国际结算第一讲祥解.ppt

田霖 International Settlement 国际结算 Why do we study international settlement? International settlement in fact is the course that tells us how to make payment in an international transaction. The purpose of learning this course are: (1)Providing some information on fundamental principles （基本原则）and theories which are closely associated with the international trade payment. (2)Making the readers or learners familiarize with the customs and practice in international trade payment The Research Objective of International Settlement 1.Tools of international payment and settlement （国际结算工具） 汇票、本票、支票的区别 支票(Cheque;Check)：仅作支付作用，有现金支票和转账支票两种。 需先在付款银行存有不低于票面金额的存款。见票即付。一张正本。持票人应该自出票日起10日内提示付款。 汇票(Bill of Exchange;Draft)：支付和信用两种作用。由出票人签发，委托付款人在见票时或在指定日期无条件支付确定的金额给收款人或持票人。 分为银行汇票(Bankers Draft)和商业汇票(Commercial Draft),有即期（Sight Draft)和远期汇票（Time Bill of usance Bill)之分. 不付带商业单据的汇票为光票（Clean Bill)，银行汇票多为光票。 附带商业单据的汇票为跟单汇票（Documentary Bill),商业汇票一般为跟单汇票。单据是一套（一式两分或数份），有副本。 本票（Promissory Note)：支付和信用两种作作。由出票人签发，承诺自己在见票时无条件支付确定的金额给收款人或持票人的票据。本票的出票人必须具有支付本票金额的可靠资金来源 分商业本票和银行本票，商业本票分为即期和远期，银行本票都是即期的。一张正本。 Reference books（参考书） Written in English by Chinese 《国际支付与结算》清华大学出版社，肖云南主编 《国际贸易结算》武汉大学出版社 何康民主编 《国际贸易结算教程》西南财经大学出版社 何泽荣主编 Written in Chinese 《国际结算》高等教育出版社 梁琦编 《国际结算》中国人民大学出版社 沈瑞年等编 Chapter Objectives Concept of international settlement International trade settlement and non-trade settlement Evolution of international settlement（演进） Characteristics of international settlement Basic methods of international payment and settlement What is international settlement? What is international settlement? Definition of International settlement ：International settlement refers to the money transfer via banks to settle accounts（结账）,debts and claims（债权） among different countries. 国际结算的定义 国际结算是指处于两个不同国家的当事人，通过银行办理的两国间货币收付业务。 What is international settlement? 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 Participa