国贸国际贸易结算期末总复习(国外英语资料).doc

国贸国际贸易结算期末总复习(国外英语资料) review questions 1, packing loan and letter of credit difference Packing loans and advances under the L / C are all financing to the exporter, but they are different. Letter of credit issuing bank is authorized in the credit bank in the exporter to the exporter in advance of all or part of the amount of the credit funds, the bank in the exporter to exporters and importers and trade financing are closely related to the issuing bank; if the exporter will not export shipment of goods and documents, the bank can put forward the return on behalf of payment request to the issuing bank, the issuing bank should immediately repay the principal advances. Packing loan by the exporter is to depend on the original letter of credit to the export bank borrow a certain amount of money for the purchase of goods, warehousing and packaging, the borrowing behavior and the importer and the issuing bank is independent, so the bank shall bear the credit risk. Therefore, banks should strictly review the loan terms and keep close contact with customers before the loan is returned to understand the progress of their export business and urge them to deliver the goods in time and return the loans on time. If the credit expired exporters still fails to repay the loan, the bank can loan in accordance with the relevant provisions of the loan agreement, the loan principal immediately, or deduct the loan interest, overdue interest and other expenses from the deposit account in the exporter. 2, bank guarantee and standby letter of credit comparison. (I) the same point between the standby card and the bank guarantee; Both of them have the same nature and function. They are the payment guarantee made by the applicant to the beneficiary according to the applicants request according to the applicants request. In addition, when the debtor has executed the contract at the end of the contract, the beneficiary may be paid by the Issuer on the documents specified. The two open the same