《國(guó)際結(jié)算(英文版)》是根據(jù)普通高等學(xué)校應(yīng)用型特色規(guī)劃教材編寫(xiě)計(jì)劃，按照教育部應(yīng)用型人才培養(yǎng)的教學(xué)要求編寫(xiě)的�！秶�(guó)際結(jié)算(英文版) 》分為英文和中文兩部分，英文部分作為主體，系統(tǒng)地闡述了國(guó)際結(jié)算的產(chǎn)生與發(fā)展，國(guó)際結(jié)算方式和結(jié)算工具，國(guó)際結(jié)算中的單據(jù)以及貿(mào)易融資等方面內(nèi)容，并盡可能吸收了此領(lǐng)域內(nèi)最新的研究成果和研究動(dòng)態(tài)。中文部分作為英文部分有益、必要的補(bǔ)充，將本教材內(nèi)容前后貫通，并進(jìn)行綜合分析和輔以案例說(shuō)明，增加了教材的可讀性和實(shí)用性，滿(mǎn)足了讀者學(xué)習(xí)的要求，強(qiáng)化了讀者學(xué)習(xí)的效果。
相對(duì)于其他的國(guó)際結(jié)算教材，《國(guó)際結(jié)算(英文版) 》更加注重對(duì)學(xué)生的實(shí)踐操作和綜合分析能力的培養(yǎng)。通過(guò)各章節(jié)的案例分析、實(shí)戰(zhàn)操練等內(nèi)容的訓(xùn)練，加強(qiáng)對(duì)學(xué)生分析問(wèn)題和解決問(wèn)題的能力的培養(yǎng)，通過(guò)知識(shí)拓展、知識(shí)遷移等內(nèi)容的學(xué)習(xí)，加強(qiáng)學(xué)生綜合運(yùn)用知識(shí)解決問(wèn)題的能力，從而突出了培養(yǎng)應(yīng)用型人才和復(fù)合型人才的雙重特色�！秶�(guó)際結(jié)算(英文版) 》具有覆蓋面廣、適用性強(qiáng)、內(nèi)容新穎、案例豐富等特點(diǎn)。
《國(guó)際結(jié)算(英文版) 》可作為應(yīng)用型本科院校的國(guó)際貿(mào)易、金融專(zhuān)業(yè)學(xué)生的教材，也可作為國(guó)際貿(mào)易、國(guó)際金融領(lǐng)域內(nèi)從業(yè)人員的參考用書(shū)。
《國(guó)際結(jié)算(英文版)》特色 新穎性：打破常規(guī)、體例獨(dú)特，中英文雙語(yǔ)編寫(xiě)，側(cè)重點(diǎn)不同，方便讀者理解和迅速掌握要點(diǎn)�！ �(shí)踐性：案例講解、實(shí)戰(zhàn)操練等內(nèi)容的安排。訓(xùn)練了讀者運(yùn)用理論知識(shí)分析實(shí)際問(wèn)題的能力，從而提高解決實(shí)際問(wèn)題的能力，增強(qiáng)國(guó)際結(jié)算的基本技能�！ 【G合性：百科小知識(shí)、知識(shí)拓展等專(zhuān)欄融合了我國(guó)當(dāng)前國(guó)際結(jié)算發(fā)展的動(dòng)態(tài)，對(duì)前后章節(jié)內(nèi)容、不同學(xué)科的知識(shí)點(diǎn)進(jìn)行了綜合分析，指出了其聯(lián)系，旨在培養(yǎng)金融專(zhuān)業(yè)讀者的融會(huì)貫通的能力，增強(qiáng)其跨學(xué)科知識(shí)的駕馭能力，符合復(fù)合型人才發(fā)展的需求。
前 言
在全球經(jīng)濟(jì)一體化的背景下，不同國(guó)家和地區(qū)間的貿(mào)易往來(lái)和非貿(mào)易往來(lái)日益頻繁，與此同時(shí)，伴隨著國(guó)與國(guó)之間的經(jīng)濟(jì)往來(lái)，以經(jīng)濟(jì)往來(lái)為目的的資金劃撥和資金流動(dòng)也日益增加。因此，國(guó)際結(jié)算在當(dāng)今全球經(jīng)濟(jì)中發(fā)揮的作用也日益顯著，銀行等金融中介機(jī)構(gòu)能否為各類(lèi)貿(mào)易企業(yè)提供方便、快捷、安全的跨國(guó)資金結(jié)算將成為他們?cè)谖磥?lái)競(jìng)爭(zhēng)中取勝的一個(gè)重要因素。近年來(lái)，隨著電子信息技術(shù)和通信技術(shù)的突飛猛進(jìn)，國(guó)際結(jié)算業(yè)務(wù)也隨之不斷改革和創(chuàng)新，呈現(xiàn)出明顯的復(fù)雜、多樣的特征。本書(shū)正是在這樣的背景下，結(jié)合新的國(guó)際形勢(shì)和新的國(guó)際慣例，緊緊圍繞21世紀(jì)人才培養(yǎng)的要求，系統(tǒng)地闡述了國(guó)際結(jié)算的相關(guān)理論和實(shí)務(wù)。
本書(shū)主要針對(duì)應(yīng)用型本科院校國(guó)際金融和國(guó)際貿(mào)易專(zhuān)業(yè)的學(xué)生，分別從金融從業(yè)人員和國(guó)際貿(mào)易行業(yè)的不同要求出發(fā)，安排了如下四方面內(nèi)容：Chapter 1～3系統(tǒng)闡述國(guó)際結(jié)算的產(chǎn)生和發(fā)展歷程，國(guó)際結(jié)算的相關(guān)背景；Chapter 4～7分別介紹當(dāng)前國(guó)際經(jīng)濟(jì)往來(lái)中常用的結(jié)算方式和結(jié)算工具；Chapter 8～9主要圍繞國(guó)際結(jié)算的基本內(nèi)容進(jìn)行拓展學(xué)習(xí)，闡述國(guó)際結(jié)算中的單據(jù)等相關(guān)內(nèi)容；Chapter 10結(jié)合當(dāng)前國(guó)際結(jié)算發(fā)展的趨勢(shì)，系統(tǒng)闡述了國(guó)際結(jié)算與貿(mào)易融資之間的相互關(guān)系。
本書(shū)的編寫(xiě)主要突出如下幾方面的特點(diǎn)：內(nèi)容新穎全面，強(qiáng)調(diào)實(shí)踐運(yùn)用，突出融會(huì)貫通。首先，本書(shū)內(nèi)容的編寫(xiě)安排既能兼顧以往傳統(tǒng)教材的優(yōu)點(diǎn)，系統(tǒng)、全面地闡述了國(guó)際結(jié)算的相關(guān)理論，同時(shí)又能突破常規(guī)，與時(shí)俱進(jìn)，及時(shí)補(bǔ)充國(guó)際結(jié)算發(fā)展的前沿動(dòng)態(tài)，引入最新的國(guó)際慣例。其次，本書(shū)內(nèi)容強(qiáng)調(diào)了對(duì)學(xué)生實(shí)踐能力和操作技能的培訓(xùn)。在重要的理論內(nèi)容鋪墊基礎(chǔ)之上，能夠運(yùn)用諸如知識(shí)拓展、案例分析、實(shí)戰(zhàn)操練等多種方法調(diào)動(dòng)學(xué)生學(xué)習(xí)的積極性和熱情，很好地實(shí)現(xiàn)了理論聯(lián)系實(shí)際的應(yīng)用特色。各章備有的典型案例、實(shí)戰(zhàn)操練等內(nèi)容，方便了教與學(xué)，既適合金融和貿(mào)易專(zhuān)業(yè)的學(xué)生學(xué)習(xí)，也可作為從事結(jié)算實(shí)務(wù)工作的人員的參考讀物。通過(guò)理論內(nèi)容的學(xué)習(xí)和實(shí)踐操作的訓(xùn)練，讀者可以更快更好地理解國(guó)際結(jié)算含義，掌握其操作的基本流程和要領(lǐng)。最后，本書(shū)作為一本英文教材，學(xué)生學(xué)習(xí)和理解時(shí)可能存在一定的困難。因此，在本書(shū)編寫(xiě)過(guò)程中，每一章都精心安排了百科小知識(shí)、知識(shí)拓展、知識(shí)遷移等模塊，使學(xué)生能夠結(jié)合相關(guān)的背景知識(shí)介紹，更好地理解國(guó)際結(jié)算的基本理論。知識(shí)拓展、知識(shí)遷移的內(nèi)容既能幫助學(xué)生理解教材前后章節(jié)之間的內(nèi)在聯(lián)系，系統(tǒng)掌握國(guó)際結(jié)算原理，同時(shí)也能將國(guó)際結(jié)算和其他相關(guān)專(zhuān)業(yè)課程相聯(lián)系，使金融專(zhuān)業(yè)的學(xué)生學(xué)會(huì)知識(shí)的融會(huì)貫通，系統(tǒng)掌握金融專(zhuān)業(yè)的基本知識(shí)和基本理論，促使學(xué)生能夠在未來(lái)的工作崗位上綜合運(yùn)用所學(xué)知識(shí)對(duì)實(shí)際問(wèn)題進(jìn)行分析，以適應(yīng)復(fù)合型人才培養(yǎng)的需求。
本書(shū)由秦定總體策劃，并負(fù)責(zé)完成英文部分與實(shí)戰(zhàn)操練和習(xí)題的編寫(xiě)；周錦負(fù)責(zé)統(tǒng)稿和全書(shū)的修改；高蓉蓉和吳敏負(fù)責(zé)完成百科小知識(shí)、知識(shí)拓展、知識(shí)遷移等內(nèi)容的編寫(xiě)。
我們希望通過(guò)本書(shū)能夠?yàn)閺V大讀者提供更多、更有益的幫助，但由于編者水平有限，書(shū)中難免存在不足和遺漏，敬請(qǐng)批評(píng)和指正。
編 者
Chapter 1 International Settlement
under Globalization
1.1 International Trade and Settlement
1.1.1 International Trade
1.1.2 International Settlement
1.2 International Settlement in New Era
1.2.1 Computerization on Clearing
1.2.2 Innovation on Products
1.2.3 Enhancement on Financial
Means
1.2.4 Combination of International
Settlement and Lending
1.3 Types of International Methods
1.4 International Customs and Practices
百科小知識(shí)：國(guó)際結(jié)算的產(chǎn)生和
發(fā)展
知識(shí)拓展：國(guó)際結(jié)算的分類(lèi)
知識(shí)遷移：人民幣貿(mào)易結(jié)算
實(shí)戰(zhàn)操練
習(xí)題
Chapter 2 International Clearing
Systems and SWIFT
2.1 US Dollar Clearing Systems
2.1.1 US Dollar Fund Transfer Payment Methods
2.1.2 Comparison and Fund Transfer Processing
2.2 Selection of Optimal Payment
Method
2.2.1 To Pay Parties Located outside
the United States
2.2.2 To Pay Parties Located in
the United States
2.3 EUR Clearing Systems
2.3.1 Euro
2.3.2 Two Key Clearing Systems：
TARGET and Euro 1
2.4 Japanese Yen Clearing Systems
2.5 HKD Clearing System
2.6 SWIFT - A Worldwide Interbank
Financial Telecommunication
2.6.1 SWIFT Address/BIC
Standard
2.6.2 SWIFT Authentication Key
2.6.3 SWIFT Message Types
百科小知識(shí)：支付清算系統(tǒng)
知識(shí)拓展：支付清算系統(tǒng)的
基本要素
知識(shí)遷移：我國(guó)的支付清算系統(tǒng)
實(shí)戰(zhàn)操練
習(xí)題
Chapter 3 Correspondent Banking
3.1 Correspondent Relationship
3.1.1 Sense of Correspondent
3.1.2 Organization Structure of
Correspondent in Foreign
Banks
3.2 Establishment of Correspondent
Relationship
3.3 Selection of Correspondent
Accounts
3.3.1 Current Accounts
3.3.2 Investment Accounts and
Combined Accounts
3.3.3 Collection Service Accounts
3.4 Establishment of Credit Line for
Correspondent
3.4.1 Risk Assessment and
Management
3.4.2 The Procedure for Credit Line
3.4.3 Utilization of Credit Line
3.5 Information Collection and Policy
Making
3.6 Correspondent Files Management
3.7 Production and Services Promotion
3.8 Development and Cultivation of
Correspondent
百科小知識(shí)：代理行知多少
知識(shí)拓展：為什么要建立代理行
知識(shí)遷移：國(guó)際結(jié)算業(yè)務(wù)中的
其他銀行機(jī)構(gòu)
實(shí)戰(zhàn)操練
習(xí)題
Chapter 4 Instruments
4.1 Overview of Negotiable Instruments
4.1.1 Characteristics
4.1.2 Transfer
4.2 Negotiable Instruments
4.2.1 Bills of Exchange
4.2.2 Promissory Notes and
Bankers Drafts
4.2.3 Checks and Travellers
Checks
4.3 Credit Cards
百科小知識(shí)：票據(jù)知多少
知識(shí)拓展：票據(jù)功能知多少
知識(shí)遷移：你了解票據(jù)風(fēng)險(xiǎn)嗎
實(shí)戰(zhàn)操練
習(xí)題
Chapter 5 Means of International
Settlement -Remittance
5.1 Definition
5.2 Means of Remittance
5.2.1 Mail Transfer(M/T)
5.2.2 Demand Drafts (D/D)
5.2.3 Telegraphic Transfer
(T/T)
5.2.4 Credit Cards
5.2.5 Travellers Checks
5.2.6 E-banking and Web
5.3 Payment Transaction by T/T
5.3.1 Cover Payment Method
5.3.2 Key Points of Using Cover
Method
5.3.3 Serial Payment Method
5.3.4 Key Points of Using Serial
Method
5.3.5 Comparison between Cover and
Serial Payment Methods
5.4 Guideline to Interbank
Compensation
5.4.1 Natures of the Rules
5.4.2 Applications on the Rules
5.4.3 Operation on Claim
5.4.4 Cases on Compensation Claims
and Related Errors
百科小知識(shí)：提供匯款業(yè)務(wù)的
各類(lèi)機(jī)構(gòu)
知識(shí)拓展：國(guó)際匯款的具體應(yīng)用
知識(shí)遷移：匯款結(jié)算方式的風(fēng)險(xiǎn)
與防范
實(shí)戰(zhàn)操練
習(xí)題
Chapter 6 Means of International
Settlement -Collection
6.1 Definition
6.2 Parties and Workflow to a
Collection
6.3 Documentary Collection
6.4 Uniform Rules for Collections
(URC)
6.4.1 Collection Instructions
6.4.2 Legal Position of Banks
6.5 Risk Control in the Documentary
Collection
百科小知識(shí)：托收及其相關(guān)規(guī)則
知識(shí)拓展：托收當(dāng)事人之間的
關(guān)系
知識(shí)遷移：托收結(jié)算方式的特點(diǎn)及
風(fēng)險(xiǎn)
實(shí)戰(zhàn)操練
習(xí)題
Chapter 7 Means of International
Settlement - Letter of
Credit
7.1 Introduction of Letter of Credit
7.1.1 Definition and Workflow
7.1.2 Contractual Arrangement under
the Credit
7.1.3 Principles and Characteristics of
the Credit
7.1.4 Roles of Credit
7.2 Rights and Liabilities of Parties
7.2.1 Applicants(Importers)
7.2.2 Issuing Banks
7.2.3 Beneficiaries(Exporters)
7.2.4 Advising Banks
7.2.5 Confirming Banks
7.2.6 Negotiating Banks
7.2.7 Paying Banks
7.2.8 Accepting Banks
7.3 Operation on the Letter of
Credit
7.3.1 Issuing a Letter of Credit
7.3.2 Utilizing the Credit
百科小知識(shí)：信用證及其相關(guān)
規(guī)則的產(chǎn)生和發(fā)展
知識(shí)拓展：信用證種類(lèi)知多少
知識(shí)遷移：信用證支付方式的
風(fēng)險(xiǎn)
實(shí)戰(zhàn)操練
習(xí)題
Chapter 8 Guarantees and Standby
Letters of Credit
8.1 Bank Guarantees
8.1.1 Definition
8.1.2 Characteristics
8.1.3 Usage
8.2 Types of Bank Guarantee
8.2.1 Tender Guarantees or
Bid Bonds
8.2.2 Performance Bonds/
Guarantees
8.2.3 Advance Payment
Bonds/Guarantees
8.2.4 Retention Money Guarantees
8.3 Standby Letters of Credit
8.3.1 What Is Standby L/C
8.3.2 Rapid Development for
Standby L/C
8.3.3 Structure of Standby L/C
8.3.4 Advantages of Using Standby
L/C
百科小知識(shí)：備用信用證知多少
知識(shí)拓展：備用信用證與銀行
保函的比較
知識(shí)遷移：備用信用證的風(fēng)險(xiǎn)
實(shí)戰(zhàn)操練
習(xí)題
Chapter 9 Documents Handled in
International Settlement
9.1 Presentation of Documents
9.1.1 Latest Date of
Presentation
9.1.2 Credit with Dual Mature
Dates
9.1.3 Extension of Expiry Date
9.1.4 Risks after Documents
Presentation
9.2 Examination of Documents
9.2.1 Key Points for Documents
Examination
9.2.2 Discrepancies Handling by
Negotiating Bank
9.3 Forwarding of Documents
9.4 Documents to Be Made
9.4.1 Drafts
9.4.2 Commercial Invoices
9.4.3 Transportation Documents
9.4.4 Insurance Documents
9.4.5 Inspection Certificates
9.4.6 Certificates of Origin
9.4.7 Packing Lists
9.4.8 Additional Terms and
Conditions
百科小知識(shí)：?jiǎn)螕?jù)的含義及種類(lèi)
知識(shí)拓展：?jiǎn)螕?jù)的作用
知識(shí)遷移：?jiǎn)螕?jù)的制作原則
及要求
實(shí)戰(zhàn)操練
習(xí)題
Chapter 10 International Trade Finance
10.1 Credit Line Granted by Banks
10.1.1 Credit Line Management
10.1.2 Scope and Utilization of
Credit Line
10.2 Facilities on Import Finance
10.2.1 Letter of Credit Issuance
10.2.2 Imported Bill Purchased
10.2.3 Trust Receipt (T/R)
10.2.4 Shipping Guarantee
10.2.5 Receivables and Warehouse Bill as Pledge
10.3 Facilities on Export Finance
10.3.1 Anticipatory Credit
10.3.2 Packing Loan
10.3.3 Export Bill Purchased
10.3.4 Bill Discounted
10.3.5 Factoring
10.3.6 Forfaiting
百科小知識(shí)：國(guó)際貿(mào)易融資的產(chǎn)
生與發(fā)展
知識(shí)拓展：國(guó)際保理業(yè)務(wù)與
信用證及托收的比較
知識(shí)遷移：貿(mào)易融資風(fēng)險(xiǎn)及防范
實(shí)戰(zhàn)操練
習(xí)題
Keys
1.1 International Trade and Settlement
Global economic integration is an inevitable trend. The interaction and inter-reliance of the world economy has been greatly strengthened. The founding of the World Trade Organization has speed up economic globalization. Markets in different areas have become linked closely together. They have been gradually integrated into one single market. In addition, the developments of regional economic integration such as the EU and APEC have made great contributions to global economic integration because they have set up models for other countries in the world to follow.
1.1.1 International Trade
A core element of globalization is the expansion of world trade through the elimination or reduction of trade barriers, such as import tariffs. Greater imports offer consumers a wider variety of goods at lower prices, while providing strong incentives for domestic industries to remain competitive. Exports, often a source of economic growth for developing nations, stimulate job creation as industries sell beyond their borders. More generally, trade enhances national competitiveness by driving workers to focus on those vocations where they, and their country, have a competitive advantage. Trade promotes economic resilience and flexibility, as higher imports help to offset adverse domestic supply shocks. Greater openness can also stimulate foreign investment, which would be a source of employment for the local workforce and could bring along new technologies-thus promoting higher productivity.
1.1.2 International Settlement
Tracing back the history of international settlement, the medium of exchange originated from coins to notes. Later on, commercial drafts and other credit instruments emerged and became popular to meet the needs of the constantly increasing business activities in both geographical regions and volume of the international trade.
Due to globalization, the volume of international trade has boomed. International political, economic and cultural exchange inevitably leads to credits and debts owed by one country to another. Most of the international payments originate from transactions in world trade. With the enormous international trades worldwide, the volume of the international settlement has amounted to trillions of US dollars. Banks, as a result, are focusing more and more on the development of the businesses because it is a major resource of profit.
International payments and settlements are financial activities conducted among different countries in which payments are effected or funds are transferred from one country to another in order to settle accounts, debts, claims, etc. The international settlement involves tangible trades, intangible trades, foreign investments, funds borrowed from or lent to other countries and so on. To be more specific, international payments and settlements may arise from commercial payments, payments for the services rendered, payments between governments and transfer of funds among countries. Depending on the creditability of financial institutions, both buyers and sellers are usually willing to complete their settlement through banks respectively, and a financial arrangement could be reached then.
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