国际结算(双语)第一章国际结算概述.pptVIP

一、国际结算的概念 所谓国际结算，是指为清偿国际间的债权债务关系而发生在不同国家之间的货币收付活动。 Definition of International settlement： International settlement refers to the money transfer via banks to settle accounts, debts and claims among different countries.;Three elements in international settlement （国际结算中的三要素）： (1)Persons in different countries（不同国家） (2) Bank’s Participation（银行参与） (3) Funds transfer (资金转移）;三、国际结算的基本内容Research objective of International Settlement;二、国际结算涉及的法律与国际惯例 International Customs and Practices ;第三节 国际结算体系及银行网络International payment clearing system and Banking Network ;二、国际结算的银行网络 (一)商业银行的分支机构 Types of International Banking Offices ①分行和支行 (BRANCH SUB-BRANCH)，分行和支行之间的关系称为“联行关系 (SISTER BANK)” ②代表处 (REPRESENTATIVE OFFICE) ③经理处 (AGENCY OFFICE) ④子银行 (SUBSIDIARY)，它是在东道国注册的独立金融机构，具有法人地位 ⑤联营银行(AFFILIATED BANK) ⑥银团银行 (CONSORTIUM BANK);(二)代理行(CORRESPONDENT BANK OR CORRESPONDENTS) 代理行是指相互间建立委托办理业务的，具有往来关系的银行。 A bank having direct connection or friendly service relations with another bank. – A correspondent banking relationship exists when two banks maintain deposits with each other. – Correspondent bank is very necessary in global economy. Even for large international bank, such as Bank of China, the establishment of the correspondent relationship is still very important because they cannot do any business without the cooperation of local banks.;How to establish correspondent bank relationship Choose the best bank – The following factors should be considered: ? The reputation of the bank ? Size of the Bank ? Service offered by the bank ? Physical feature and personnel Signing contract and exchanging control documents(控制文件） ? Control documents include: –Specimen Signature （印鉴样本） –Telegraphic test key（密押） –Terms and conditions（条款费率表） ;(三)账户行 代理行建立代理关系后，就可以根据协议办理委办业务。但是，对于汇款、托收以及信用证业务，会涉及外汇资金的收付，需要双方建立账户处理资金的清算。 因此，代理行之间单方或者双方互相在对方银行开设账户，称为账户代理行(DEPOSITORY CORRESPONDENTS)，简称账户行(DEPOSITORY BANK)。 Banks always open an account in other banks in foreign countries, thus forms the inter-bank acc