國際結(jié)算(雙語)

1、International Settlements國際結(jié)算 國際結(jié)算課程的性質(zhì) 國際結(jié)算是國際金融學(xué)的一個分支,從微觀角度探討國際間貨幣運動的理論與實務(wù)問題,主要研究結(jié)算工具,結(jié)算方式和以銀行為中心的資金劃撥清算,其主要目的在于以最科學(xué),最有效的方法來清算國與國之間以貨幣表現(xiàn)的債權(quán)債務(wù)關(guān)系.國際結(jié)算課程的性質(zhì) 國際結(jié)算商業(yè)銀行國際結(jié)算業(yè)務(wù)緊密相關(guān)的,注重理論在實際業(yè)務(wù)中應(yīng)用,具有很強的專業(yè)性和實務(wù)可操作性,也是一門適應(yīng)我國銀行業(yè)務(wù)與國際銀行業(yè)務(wù)接軌需要, 與國際慣例緊密聯(lián)系,具有很強國際性的專業(yè)課程.國際結(jié)算課程的目的 通過國際結(jié)算的教學(xué),要求學(xué)生能夠掌握國際結(jié)算的基本理論,基本知識和基本技能

2、;做到理論與實際相結(jié)合,能夠運用理論知識為指導(dǎo)進行國際結(jié)算的實務(wù)操作的實用型、實踐型、實干型人才。國際結(jié)算課程所處的位置 先修課程為貨幣銀行學(xué)、貨幣金融學(xué)、國際金融學(xué)；后續(xù)課程包括外匯銀行會計,國際融資實務(wù)、進出口單證實務(wù)等國際結(jié)算的教學(xué)重點 以課堂講授為主 課程的重點有兩個： 一是國際結(jié)算方式,即匯款,托收,信用證; 二是國際結(jié)算單據(jù).通過案例教學(xué),實訓(xùn)室軟件模擬操作,習(xí)題練習(xí)等辦法解決.About the course International settlements is a course of integrated theory（一（一體化理論）體化理論） with practice

3、. It puts emphasis on the application of theory into actual business operations.Importer/ Importer/ Buyer Buyer ExporterExporters sbankbankFundsFundsGoods/commoditiesGoods/commoditiesExporter/ Exporter/ Seller Seller ImporterImporters sbankbankBasic procedure of international settlementsShipping Co.

4、FundsFundsGoodsGoodsAbout the course International settlements is also a course of our country s banking business linking up with the world s banking business , it lays stress on handling international business in English in accordance with international practice . Our Purpose For the sake of helpin

5、g students to learn international settlements and to have a good grasp of basic theory , elementary knowledge and fundamental technical ability of this course ,so we teach partly in English .What will you learn in this course?1. Three financial instruments: bill of exchange（匯票）（匯票）, promissory note（

6、本票）（本票）, check (cheque支票支票)2. Three main international settlement methods remittance（匯款）（匯款）, collection（托收）（托收）, letter of credit（信用（信用證）證）3. Other documents commercial invoice（發(fā)票）（發(fā)票）, transport documents（運輸單（運輸單據(jù)）據(jù)）, insurance documents（保險單）（保險單）4. International customs and practice for internati

7、onal settlements URC522（托收統(tǒng)一規(guī)則）（托收統(tǒng)一規(guī)則）, UCP600（跟單信用證慣例）（跟單信用證慣例）How to study this course? 提前預(yù)習(xí)與課后復(fù)習(xí)結(jié)合; 理論知識與實務(wù)操作結(jié)合； 考勤和平時作業(yè)考察與考試相結(jié)合.Outline Chapter 1. Introduction to International Settlement Chapter 2. Instruments Chapter 3. Remittance Chapter 4. Collection Chapter 5. Letters of Credit Chapter 6.

8、Documents Related to International Settlement and Examination Chapter 7. Other Methods of Settlement System Chapter 8. International Non-Trade Finances 1國際結(jié)算概述 2國際結(jié)算票據(jù) 票據(jù)基本知識 匯票及案例 本票及案例 支票及案例 3國際結(jié)算方式 匯款及案例 托收及案例 信用證及案例 銀行保函、備用信用證及案例 5國際非貿(mào)易結(jié)算資 單據(jù)的基本知識 單據(jù)的審核及案例 單據(jù)制作及范例 4國際結(jié)算單據(jù) Chapter 1. Introduction

9、 to International Settlement國際結(jié)算概述In this chapter，you will learn： 1.1 Definition 1.2 Types of International Settlement 1.3 History and Development of International Settlement 1.4 Major Points Concerning International settlements 1.5 Bank relationships in international SettlementsThe origin Most inte

10、rnational settlements originate from transaction in the world trade. International political, economic and cultural exchange inevitably leads to credits and debts owed by one country to another. 是一個國家由于對外貿(mào)易和經(jīng)濟合作以及政治穩(wěn)獲交流活動而發(fā)生的以貨幣表現(xiàn)的款項收付或債權(quán)債務(wù)結(jié)算。Importer/ Importer/ Buyer Buyer ExporterExporters sbankba

11、nkFundsFundsGoods/commoditiesGoods/commoditiesExporter/ Exporter/ Seller Seller ImporterImporters sbankbankBasic procedure of international settlementsShipping Co.FundsFundsGoodsGoods1.1 Definition International payments and settlements are financial activities conducted among different countries in

12、 which payments are effected or funds are transferred from one country to another in order to settle accounts，debts，claims，etcfinancial financial intermediaryintermediaryconvertible convertible currencycurrency所謂國際結(jié)算，是指為清償國際間的債權(quán)債務(wù)關(guān)系而發(fā)生在不同國家之間的貨幣收付活動 Principle for International settlementsEach curren

13、cy is cleared within the boundary of the issuing country. A Co.(exporter)USAB Co.(importer)JapanChemical BankUSASumitomo BankJapanCurrency: Convertible Currency (1) Convertible currency in export country. (2) Convertible currency in import country. (3) Convertible currency in third country, generall

14、y referred to US currency. Absolutelyconvertible currencyLimitedConvertiblecurrencyUnconvertible currency?Convertible Currency 可兌換貨幣也稱自由外匯，是指一種貨幣只要不受限制可以自由兌換成其他貨幣，即為可兌換貨幣。作為可兌換貨幣必須具備以下三個條件： （1）它能自由兌換成其他貨幣； （2）它對國際性經(jīng)常項目（即貿(mào)易與非貿(mào)易項目）的支付不受限制； （3）該貨幣國的管理當局不采用或不實行多種匯率制度或差別匯率制度。 國際結(jié)算中貨幣的使用原則： 出口“硬幣”， 進口“軟幣”

15、 非貿(mào)易收款“硬幣”， 非貿(mào)易付款軟幣； 引進外資軟幣也就是 收入“硬幣” 支出“軟幣”預(yù)先付款預(yù)先付款 裝運時付款裝運時付款 裝運后付款裝運后付款 交單后付款交單后付款 交單前預(yù)付交單前預(yù)付 交單時付款交單時付款 國國際際結(jié)結(jié)算算方方式式付付款款時時間間 1.2 Types of International SettlementMost international payments originate from transactions in the world Trade. They are money transfers as a result of international clea

16、ring, such as: International trade settlement國際貿(mào)易結(jié)算 International non-trade settlement國際非貿(mào)易結(jié)算 .Current Account1. Goods & Servicea. Goodsb. Serviced2. Income3. Current Transfer/Unilateral Current Transfer.Capital and Financial Account1. Capital Account2.Financial Account(1) Direct Investment(2) I

17、ndirect Investment(3) Portfolio Investment(4) Other Investment.International Reserve .Net Error & Omission(1) International trade settlement國際貿(mào)易結(jié)算 With the expansion of global trade amongst countries, the role of banks, in international trade finance is becoming more and more important. Most tra

18、nsactions must be settled through banks. Without the banks participation，international trade would not have been developed to the stage we have reached today. International Trade1.Major participants :buyer sellerbanksquality clausequantity clausepackage clauseprice clausedelivery termsinsurance clau

19、sepayment clauseCommodity inspection clause3. Trade terms:Incoterms 2010, 13 terms2.Sale contract:Sale contractSeller: address, telex/fax; Buyer:address, telex/faxGoodsQuality clause:the goods description, quality,specificationsQuantity clause:weight, numbers, length, dimension, volume, capacityPack

20、ing clause:mode of packing, and its materialPrice clause:unit price, pricing currency , price terms usedDeliver terms:time of delivery, port of loading and destination, transshipment, partial shipment ,mode of transportationInsurance clause:risks to be covered, the percentage of insurancePayment cla

21、use:payment method and its contentCommodity inspection clause:how the right of inspection is determined,k the time, place and organization of inspectionClaim clause , arbitration clause & force majeure clausesEXWEX WORKS(named place)工廠交貨條件工廠交貨條件FCAFREE CARRIER( named place)交至承運人條件交至承運人條件FASFREE

22、ALONGSIDE SHIP ( named port of shipment)船邊交貨條件船邊交貨條件FOBFREE ON BOARD ( named port of shipment)裝運港船上交貨條件裝運港船上交貨條件CFRCOST AND FREIGHT ( named port of destination)成本加運費條件成本加運費條件CIFCOST, INSURANCE AND FREIGHT ( named port of shipment)成本成本加運保費交貨條件加運保費交貨條件CPTCARRIAGE PAID TO ( named port of shipment)運費付至運

23、費付至交貨交貨CIPCARRIAGE AND INSURANCE PAID TO ( named port of shipment)運保費付至運保費付至交貨條件交貨條件DATDelivered At Terminal ( named place)目的港目的港交貨條件交貨條件DAP (new delivery term) Delivered At Place 特定地點交貨條件特定地點交貨條件DDPDELIVERED DUTY PAID ( named port of shipment)完稅交貨條件完稅交貨條件(2) International non-trade settlement國際非貿(mào)易結(jié)

24、算 There are many ways by which funds can be transferred from one country to another under trade service. When the tourists, merchants, delegations or other people go abroad, they need money to spend, to buy something, or to pay for various expenses and charges there. The most common means for them t

25、o carry funds are cash , travelers check, travelers letter of credit and credit card. These are within the scope of non-trade settlement. How many international transactions can you list? visible trade有形貿(mào)易 invisible trade無形貿(mào)易 financial transaction金融交易 overseas remittances 海外匯款 educational expenses教育

26、開支 inheritances遺產(chǎn)繼承How many international transactions can you list? technology transfer技術(shù)轉(zhuǎn)讓 patent 專利 copyright contract版權(quán)合同 foreign exchange market transactions金融市場交易 export credits出口信貸 syndicated loans辛迪加貸款 international bond 國際債券1.3 History and Development of International Settlement (1) From ca

27、sh settlement to non-cash settlement從現(xiàn)金結(jié)算到非現(xiàn)金結(jié)算 (2) From direct payment made between international traders to payment effected through a financial intermediary從貿(mào)易商之間直接支付到通過金融中介進行支付 (3) From payments under simple price terms to payments under more complex price terms從使用簡單貿(mào)易術(shù)語結(jié)算到復(fù)雜貿(mào)易術(shù)語的結(jié)算 (4) Internet

28、 era互聯(lián)網(wǎng)的結(jié)算 （1）From cash settlement to non-cash settlement13 century A.D.InstrumentsBill of exchangePromissory NoteCheque/checkNon-Cash Settlement非現(xiàn)金結(jié)算非現(xiàn)金結(jié)算Exchange for GBP1,250.00 Beijing,1 April,2003At sight pay to the order of DEF Co.the sum of Pounds one thousand two hundred and fifty onlyTo XYZ

29、Bank, For ABC Co., Beijing London (signature) End of 18 centuryExpensiveRiskyTurnover of funds slowForeign exchange bankNon-cash settlement非現(xiàn)金結(jié)算 From the thirteenth century A.D., bills of exchange were created, gradually taking the place of coins in international payments, and the bill of exchange m

30、arket began to develop.Bill of exchangeForeign exchange bank13 century A.D.end of 18 century A.D.Foreign exchange market（2）From direct payment made between international traders to payment effected through a financial intermediary With the worldwide banking network and modern banking technicality, b

31、anks can not only provide easy and quick transfer of funds needed for conducting international trade but also furnish their customers with valuable economic and credit information. （3）From simple price terms to more complex price terms In the past, international trade payments were settled on very s

32、imple price terms, such as cash on delivery, cash on shipment, cash with order, cash before shipment, etc. In modern international trade, a more comprehensive and exact set of terms has been developed. As indicated in INCORTERMS2010(International Rules for the Interpretation of Trade Terms)ICC Publi

33、cation, the price terms available for use are multifarious and more complicated than before.多種的,各式各樣的（4）Internet era With the development of computer technology, business is done and payments and settlements are effected by means of all kinds of payment systems, which makes it quicker and safer and

34、more convenient for both the Buyer and Seller. Nowadays, Internet is developing very fast. This new type of business transaction is called net banking. Although there are a lot of problems to be solved，net banking is very promising. P P R R環(huán)球銀行間金融環(huán)球銀行間金融電訊協(xié)會電訊協(xié)會紐約清算所交換銀紐約清算所交換銀行相互收付系統(tǒng)行相互收付系統(tǒng)倫敦交換銀行倫敦

35、交換銀行自動收付系統(tǒng)自動收付系統(tǒng)聯(lián)邦儲備聯(lián)邦儲備清算系統(tǒng)清算系統(tǒng) communication meshwork/networkSWIFT:The Society For Worldwide Inter-bank Financial Telecommunications(環(huán)球環(huán)球銀行間金融電訊協(xié)會銀行間金融電訊協(xié)會) 19731973年年5 5月成立月成立, ,總部設(shè)在布魯塞爾。目前，全總部設(shè)在布魯塞爾。目前，全世界已有超過世界已有超過200200個國家的個國家的70007000多個銀行在使用多個銀行在使用SWIFT SWIFT 。計算機數(shù)據(jù)通訊網(wǎng)在荷蘭和美國設(shè)有運。計算機數(shù)據(jù)通訊網(wǎng)在荷蘭和美國

36、設(shè)有運行中心，在各會員國設(shè)有地區(qū)處理站。行中心，在各會員國設(shè)有地區(qū)處理站。 20022002年，年，SWIFTSWIFT報文承載量達報文承載量達8 8億，日均億，日均7 7百萬條百萬條，金額超過，金額超過6 6萬億歐元。萬億歐元。 中國是中國是SWIFTSWIFT會員國。中國銀行作為中國的外匯會員國。中國銀行作為中國的外匯外貿(mào)專業(yè)銀行于外貿(mào)專業(yè)銀行于19831983年年2 2月加入月加入SWIFTSWIFT，成為中國，成為中國第一家會員銀行，第一家會員銀行，19851985年年5 5月月1313日，中國銀行正式日，中國銀行正式開通開通SWIFTSWIFT。 2020世紀世紀9090年代開始，中

37、國所有可以辦理國際金融年代開始，中國所有可以辦理國際金融業(yè)務(wù)的國有商業(yè)銀行、外資和僑資銀行以及地方業(yè)務(wù)的國有商業(yè)銀行、外資和僑資銀行以及地方銀行紛紛加入銀行紛紛加入SWIFTSWIFT。 19961996年中國年中國SWIFTSWIFT發(fā)報增長率為發(fā)報增長率為42.2%42.2%，在，在SWIFTSWIFT全球增長率排名第一，中國銀行在全球增長率排名第一，中國銀行在SWIFTSWIFT前前4040家大家大用戶中排名用戶中排名3434位。位。 中國銀行每日中國銀行每日SWIFTSWIFT發(fā)報量達發(fā)報量達3 3萬多筆，采用萬多筆，采用SWIFTSWIFT方式進行收發(fā)電報已占到全行電訊總收付量方式進

38、行收發(fā)電報已占到全行電訊總收付量的的90%90%。SWIFTSWIFT網(wǎng)絡(luò)是國際結(jié)算、收付清算、外匯資金買賣、網(wǎng)絡(luò)是國際結(jié)算、收付清算、外匯資金買賣、國際匯兌等各種業(yè)務(wù)系統(tǒng)的通訊主渠道，部分業(yè)國際匯兌等各種業(yè)務(wù)系統(tǒng)的通訊主渠道，部分業(yè)務(wù)實現(xiàn)了自動化處理。務(wù)實現(xiàn)了自動化處理。chaining(SWIFTchaining(SWIFT study): study):http:/ 1.SWIFT needs member qualification. 2.SWIFTs charge is low. Its about 18% of that used by telex, and 2.5% of tha

39、t used by cable.3.SWIFT is safer. (SWIFT authenticate key)4.SWIFT has standard uniform format.Bank Identified codeBank of ChinaBKCH CN BJThe Industrial and Commercial Bank of ChinaICBK CN BJThe Agricultural Bank of ChinaABOC CN BJThe Investment Bank of ChinaIBOC ON BJThe Communication Bank of ChinaC

40、OMM CN BJChina Construction BankPCBC CN BJThe Peoples Bank of ChinaPBOC CN BJChina Citic BankCIBK CN BJAmerica Bank , Shanghai BranchBOFX CN SXHongKong and Shanghai Banking Corporation, Ltd. HSBC CN SX加入加入SWIFTSWIFT的中國境內(nèi)銀行的中國境內(nèi)銀行 19701970年年4 4月成立月成立, ,國際美元支付系統(tǒng)。它是一個國際美元支付系統(tǒng)。它是一個著名的私營跨國大額美元支付系統(tǒng)，是跨國美元著

41、名的私營跨國大額美元支付系統(tǒng)，是跨國美元交易的主要結(jié)算渠道。交易的主要結(jié)算渠道。 通過通過CHIPSCHIPS處理的美元交易額約占全球美元總交處理的美元交易額約占全球美元總交易額的易額的95%95%。 CHIPSCHIPS成員有紐約清算所協(xié)會會員、紐約市商業(yè)成員有紐約清算所協(xié)會會員、紐約市商業(yè)銀行、外國銀行在紐約的分支機構(gòu)等。銀行、外國銀行在紐約的分支機構(gòu)等。 CHIPSCHIPS是一個凈額支付清算系統(tǒng)，它租用了高速是一個凈額支付清算系統(tǒng)，它租用了高速傳輸線路，有一個主處理中心和一個備份處理中傳輸線路，有一個主處理中心和一個備份處理中心。每日營業(yè)終止后，進行收付差額清算，每日心。每日營業(yè)終止后

42、，進行收付差額清算，每日下午六時（紐約時間）完成資金轉(zhuǎn)賬。下午六時（紐約時間）完成資金轉(zhuǎn)賬。CHIPS:Clearing House Interbank Payments System.（跨國美元支付系統(tǒng)）（跨國美元支付系統(tǒng)）CHAPS: Clearing House AutomatedPayment System 英國大額英鎊清算系統(tǒng)。在英國大額英鎊清算系統(tǒng)。在CHAPSCHAPS下，下，1212家交換家交換銀行成為結(jié)算銀行，由八條信息通道把它們和該銀行成為結(jié)算銀行，由八條信息通道把它們和該系統(tǒng)的一個信息轉(zhuǎn)換中心連接起來。系統(tǒng)的一個信息轉(zhuǎn)換中心連接起來。 CHAPS用于英鎊資金交換的當日用于

43、英鎊資金交換的當日 結(jié)算結(jié)算,主要由英主要由英國大型清算銀行和英格蘭銀行使用。國大型清算銀行和英格蘭銀行使用。 它歸美聯(lián)儲所有，它歸美聯(lián)儲所有，19131913年建立，年建立，F(xiàn)EDWIREFEDWIRE將全將全美劃分為美劃分為1212個聯(lián)邦儲備區(qū)、個聯(lián)邦儲備區(qū)、2525個分行和個分行和1111個專門個專門的支付處理中心，主要用于金融機構(gòu)之間的隔夜的支付處理中心，主要用于金融機構(gòu)之間的隔夜拆借、行間清算、公司之間的大額交易結(jié)算，美拆借、行間清算、公司之間的大額交易結(jié)算，美國政府與國際組織的記賬債券轉(zhuǎn)移業(yè)務(wù)等等。國政府與國際組織的記賬債券轉(zhuǎn)移業(yè)務(wù)等等。 由于該系統(tǒng)有專用的實現(xiàn)資金轉(zhuǎn)移的電碼通訊由

44、于該系統(tǒng)有專用的實現(xiàn)資金轉(zhuǎn)移的電碼通訊網(wǎng)絡(luò)，權(quán)威性、安全性較高。此外它還承擔著美網(wǎng)絡(luò)，權(quán)威性、安全性較高。此外它還承擔著美聯(lián)儲貨幣政策操作及政府債券買賣的重要任務(wù)。聯(lián)儲貨幣政策操作及政府債券買賣的重要任務(wù)。 它每日運行它每日運行1818個小時，每筆大額的資金轉(zhuǎn)賬從個小時，每筆大額的資金轉(zhuǎn)賬從發(fā)起、處理到完成，運行全部自動化。發(fā)起、處理到完成，運行全部自動化。FEDWIRE: Federal Reserves Wire Transfer System（全美境內(nèi)美元支付系統(tǒng)）全美境內(nèi)美元支付系統(tǒng)）1.4 Major Points Concerning International settlemen

45、ts (1) International settlements methods (2) The financial instrument that facilitate International settlements (3) Documents used in International settlements (4) The currencies used in international settlements. (5) Rules and regulations on international settlements.make sure they are differentURC

46、522:Uniform Rules for Collection UCP500:Uniform Customs and Practice for documentary creditDomestic SettlementDomestic Settlement International settlementsInternational settlementssettlementsettlementInternational Trade SettlementInternational Trade SettlementInternational Non-Trade SettlementIntern

47、ational Non-Trade SettlementInstrumentsInstrumentsMethodsMethodsDocumentsDocumentsRulesRulesBill ofBill ofExchangeExchangeMain methodsMain methodsOther methodsOther methodsbasicbasicAdditionalAdditionalPromissory Promissory notenoteCheckCheckRemittanceRemittanceLetter ofLetter of credit creditCollec

48、tionCollectionFactoringFactoringLetter of Letter of guaranteeguaranteeForfeiting Forfeiting Standby letter Standby letter of creditof creditInvoiceInvoiceBill of Bill of LadingLadingInsurance Insurance documentsdocumentsPackingPacking list listWeightWeight memo memoCertificate ofCertificate of Origi

49、nal Original All kinds ofAll kinds of Certificates CertificatesURGURGUCPUCPURCURC國際結(jié)算的基本要素國際結(jié)算的基本要素 1、銀行合作是辦理國際結(jié)算業(yè)務(wù)的關(guān)鍵所在。（結(jié)算路徑） 2、現(xiàn)代化的支付和通訊系統(tǒng)保證了資金順暢、快速地跨國流動。（結(jié)算路徑） 3、票據(jù)是國際結(jié)算中主要支付工具。（結(jié)算工具） 4、單據(jù)是實現(xiàn)物權(quán)轉(zhuǎn)移與債務(wù)清償?shù)闹匾罁?jù)。（結(jié)算工具） 5、國際結(jié)算方式是最終實現(xiàn)貨幣跨國收付的手段。（結(jié)算方式）1.5 Bank relationships in international Settlements (1

50、)Sisters Bank/overseas branch海外分行 (2)Representative Bank (Correspondent)代理行 (3)Accounting Bank賬戶行 The Worldwide Network of Banks1、 Representative Office(代表處代表處)2、 Agency Office(代理處代理處)3、 Overseas Sister Bank/Branch, Sub branch(海外分、支行海外分、支行(境外聯(lián)行境外聯(lián)行)4、 Correspondent Banks(代理銀行代理銀行)5、 Subsidiary Banks

51、(附屬銀行附屬銀行(子銀行子銀行) 6、 Affiliated Banks(聯(lián)營銀行聯(lián)營銀行) 7、 Consortium Bank(銀團銀行銀團銀行) Bank of ChinaOverseas branch(2)Representative Bank (Correspondent)代理行 International banking is effected through the cooperation of commercial banks all over the world. This cooperation comes from the establishment of corres

52、pondent relationships between banks. The so-called correspondent bank may be defined as “a bank having direct connection or friendly service relations with another bank”. The bank may open deposit accounts with, and entrust business to each other on a reciprocal basis.互惠的互惠的,相應(yīng)的相應(yīng)的信賴信賴,信托信托,交托交托When

53、 selecting a bank as a correspondent bank, what factors should be taken into account? The reputation of the bank; Size of the bank; Location of the bank; Services offered by the bank; Fundamental policies and strength of the bank; Physical features and personnel; Momentum of early start, etc.Agency

54、arrangementControl documentsEstablish a correspondent relationship between two banks.What do control documents include?Control Documents Lists of specimen of authorized signatures印鑒印鑒Verify the messages, letters(airmailed) are authentic Telegraphic test keys密押密押Verify the telex and cable are authent

55、ic Terms and conditions費率表費率表 SWIFT authentic key驗證碼驗證碼是銀行列示的所有有權(quán)簽字的人的有權(quán)簽字額度、簽字范圍、有效簽字組合方式以及親筆簽字字樣。代理行可憑其核對對方銀行發(fā)來的電報、電傳等的真實性。是兩家代理行之間事先約定的專用押碼，在發(fā)送電報時，由發(fā)送電報的銀行在電文前面加注，經(jīng)接受電報的銀行核對相符，用以確認電報的真實性。服務(wù)項目服務(wù)項目收費標準收費標準匯出境外匯款匯出境外匯款 電匯電匯匯款金額的匯款金額的 11，最低，最低5050元元/ /筆，最高筆，最高10001000元元/ /筆，另加收電訊費筆，另加收電訊費票匯、信匯票匯、信匯匯款

56、金額的匯款金額的 11，最低，最低100100元元/ /筆，最高筆，最高12001200元元/ /筆，另加收郵費（如有）筆，另加收郵費（如有）外幣光票托收外幣光票托收 光票托收光票托收托收金額的托收金額的 11，最低，最低5050元元/ /筆，最高筆，最高10001000元元/ /筆，另加收郵費筆，另加收郵費 買入外幣票據(jù)買入外幣票據(jù) 買入票據(jù)買入票據(jù)票據(jù)金額的票據(jù)金額的 7.57.5，最低，最低5050元元/ /筆筆現(xiàn)鈔托收現(xiàn)鈔托收100100元元/ /筆，另加收郵費筆，另加收郵費進口托收進口托收進口代收金額的進口代收金額的 11，最低，最低100100元元/ /筆，最高筆，最高200020

57、00元元/ /筆筆 跟單托收跟單托收代收金額的代收金額的 11，最低，最低100100元元/ /筆，最高筆，最高20002000元元/ /筆，另加收郵費筆，另加收郵費Bank of China(3)Inter-bank account A current account or a checking account may be opened between banks with the establishment of a correspondent banking relationship. Any bank before opening an account in its correspo

58、ndent bank, must be aware of the detailed conditions of this connection, such as amount of initial deposit, minimum credit balance for covering the cost of services provided, interest rate of the account, overdraft permission, and how often the statement of account is sent. DepositorDepositoryBankCu

59、rrent a/c XXXDepositorBankCurrent a/c XXXDepositoryBank賬戶行賬戶行開戶行開戶行存款客戶存款客戶賬戶行賬戶行 Nostro account往賬 The Italian word “Nostro” means “our”. Nostro account is the foreign currency account(due from account)of a major bank with the foreign banks abroad to facilitate international payments and settlements

60、.我行在它行開立的存款賬戶我行在它行開立的存款賬戶 Vostro account來賬 The Italian word “Vostro” means “your”. The Italian word “Vostro” means “your”. Vostro account is an account(due to account)held by a bank on behalf of a correspondent bank它行在我行開立的存款賬戶它行在我行開立的存款賬戶Nostro account: is the foreign currency account (due from account) of a