国际金融法的.ppt

第十二章 国际融资 International loan  第一节 概述 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 一.概念International loan （一）又称为国际信贷,是指发生在不同国家的当事人之间的跨国资金信贷。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. （二）特征 1.国际性 2.本质：债权债务关系 3.基础：国际借贷协议 4.主体 银行 国际金融机构 政府 个人 5.借贷资金：可自由兑换货币 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 二.分类 (一)贷款的期限 短期贷款Short-term loans :期限≤1年 中期贷款Medium-term loans :1年＜期限≤5年 长期贷款Long-term loans :期限＞5年 (二)贷款方数量 独家贷款Exclusive Loan 银团贷款Syndicated Loan Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. (三)贷款利率是否浮动 浮动利率贷款Floating rate loan 中长期贷款 固定利率贷款Fixed-rate loan 短期贷款 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 固定利率贷款是指在贷款期限内，不论银行利率如何变动，借款人都将按照合同签订的固定利率支付利息，不会因为利率变化而改变还款数额。 浮动利率贷款是指在整个借款期内利率随市场利率或法定利率等变动定期调整的贷款，调整周期和利率调整基准的选择，由借贷双方在借款时议定。 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. (四)贷款是否有担保 有担保的国际融资 Secured international financing 无担保的国际融资 Unsecured international financing Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 贷款人 借款人 担保申请人 担保人 1.约定担保融资 2.担保申请 3. 审查 评审 4.担保合同 5.借贷合同 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5.2.0.0. Copyright 2004-2011 Aspose Pty Ltd. 借款人 担保申请人 贷款人 担保人 1.还贷 1.无法还贷 2.代偿 3.追偿 Evaluation only. Created with Aspose.Slides for .NET 3.5 Client Profile 5