unit 28 阅读 金融英语reading material.ppt

Unit 28 Reading Material(1)Mail Transfer and Telegraphic Transfer信汇和电汇 电汇：全称为电子汇兑，是通过人民银行的大额支付系统或者中转银行进行适时交易的一种汇款方式！可以跨行跨区域进行汇兑！时间较短！一般为1-3天！ 信汇：客户将款项委托给银行，由银行通过邮寄方式将款项汇入到客户指定的收款人的当地银行转入收款人手中。这种汇款方式很慢，现在客户要求办理的较少。 两者的区别在于：一个用挂号信件投递,一个通过邮局电报发送,因此,后者汇款的速度要比前者快,但所支付的手续费高.但在电脑进入银行业务应用后,银行内部之间的资金清算已通过网络实现,故而现在的汇款都通过网络传递,但通信不发达的地区还可能存在过去的做法. A mail transfer (MT) is a form of remittance in which the amount remitted by a customer or a non-customer is directly credited（存入） to the account of the beneficiary （受益人，收款人）with another branch. 信汇（MT）是汇款的一种形式，汇款金额由客户或非客户直接存入收款人当地的银行帐户。 Exchange shall be charged as per bank’s schedule（一览表，图表） of charges. Drawee branches afford （提供）credit of MT to customers account within a maximum period （期限）of 7 days from the date of receipt（收到） of funds. 每个银行都会按照收费表规定的收费标准收取汇款交易费。付款人所在银行从接收汇款之日起向客户账户提供最多七天期限的信汇信托。 A telegraphic transfer (TT) is a form of remittance, which is advised （通知）by telegram, telex or fax machines（传真机）. 电汇（TT）也是汇款的一种形式，是通过电报、电传或传真通知电汇的。 The fundamental （基本的）principles（原理） of such transfer are otherwise identical with the mail transfer. 电汇的基本原理是与信汇有所相同。 Exchange shall be charged as per bank’s schedule of charges. Drawee branches afford credit of telegraphic transfer to customers account within a maximum period of 2 days from the date of deposit of funds for TT. 每个银行都会按照收费表规定的收费标准收取汇款手续费。付款人所在银行从接收汇款之日起向客户账户提供最多二天期限的电汇信托。 (2) Banker’s Acceptance 银行承兑汇票 Banker’s acceptances are money market instruments created in the course（过程） of financing international trade. Banker’s acceptances have been in use since the twelfth century. 银行承兑汇票是国际贸易融资过程中创造的货币市场工具。自12世纪起人们就开始使用银行承兑汇票。 However, they were not major market securities until the volume of international trade ballooned （激增）in the 1960s. They are used to finance （给…提供资金）goods that have not yet been transferred from the seller to the buyer. 然而，直至国际贸易额在20世纪60年代激增之后，它们才成为主要的有价市场证券。它们用来向那些还没有从卖方转移到买方的货品提供资金。 For example, suppose（假设） that Company A in the United States wants