InternationalSettlement解读.doc
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1、International SettlementThe Research Objective of International SettlementChapter one:Introduction to International Settlement1.国际结算的定义Definition of International settlement International settlement refers to the money transfer via banks to settle accounts,debts and claims among different countries.
2、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。2.Three elements in international settlement(国际结算中的三要素)(1)Persons in different countries(不同国家)Buyers and sellers in the international transaction are not competitors,but cooperative partners for seeking long-term and common interest.(2) Banks Participation(银行参与)(1
3、)facilitating funds transfer efficiently world-wide; (2)promoting transactions because of their easily supervising both buyer and seller;(3) Funds transfer (资金转移)Funds transfer always happens in the following activities: visible trade:importing and exporting the tangible and visible commodity and go
4、ods.Importers in one country must make payment to exporters in another country for their imported goods;on the other hand,exporters must receive payment from the overseas buyers. invisible trade:It includs service trade,technology transfer,patent,copyright contracts,etc. service trade include all re
5、ceipts and payments betwwen the residents and foreigners on transportation,insurance,travel,communications,postage and bank service,etc. financial transaction:International financial transaction covers foreign exchange market transaction,government supported export credits,syndicated loans,etc. paym
6、ent between governments :The government of one country may make payment to that of another country for political,military,or economic reasons,such as giving aids and grants,providing disaster relief,etc. 3. Types of International Settlement visible trade International Trade Settlement invisible trad
7、e financial transaction International Non-trade Settlement payment between governments4.Evolution of Modern International Settlement From barter transaction to cash settlement 从易货交易到现金结算 From cash settlement to non-cash settlement从现金结算到非现金结算 From direct payment made between international traders to
8、payment effected through a financial intermediary从直接支付到通过金融中介支付 From payments under simple price terms to payments under more complex price terms从简单贸易术语结算到复杂贸易术语结算 From traditional settlement to E-settlement从传统结算到电子结算4. Characteristics of Modern International Settlement 5. Types of International Ban
9、king Offices Representative Office(代表处)A representative office is a small service facility staffed by parent bank personnel that is designed to assist MNC clients of the parent bank in dealings with the banks correspondents.-Promotes the bank in the local market -Not licensed or chartered -May not a
10、ccept deposits or make loans -Directs business to other offices or affiliates -Representative offices also assist with information about local business customs, and credit evaluation of the MNCs local customers. Agency Office(代理处) Agency office is the overseas financial institution which can transfe
11、r money and make loans in foreign country. -One part of the parent bank,not a dependent legal person(juristic person). -Not to accept deposits, but can make loans,provide trade financing, issuing L/C, and make acceptance.lForeign Branch(海外分行) An office of an organization that is located outside the
12、home country of that organization where a banking or financing business is conducted. A foreign branch bank operates like a local bank, but is legally part of the the parent. -Subject to both the banking regulations of home country and foreign country. -Can provide a much fuller range of services th
13、an a representative office.Branch Banks are the most popular way for U.S. banks to expand overseas. Correspondent Bank(代理银行) The correspondent bank can be defined as “a bank having direct connection or friendly service relations with another bank.” -A correspondent banking relationship exists when t
14、wo banks maintain deposits with each other. -Correspondent bank is very necessary in global economy. Even for large international bank,such as Bank of China, the establishment of the correspondent relationship is still very important because they cannot do any business without the cooperation of loc
15、al banks. Subsidiary and Affiliate Bank(附属银行) A subsidiary bank is a locally incorporated bank wholly or partly owned by a foreign parent.An affiliate bank is one that is partly owned but not controlled by the parent.A consortium bank refers to a joint venture in which no single owner has a controll
16、ing interest.oAffiliated Bank(联营银行)pConsortium Bank(银团银行)7.How to establish correspondent bank relationship Choose the best bank-The following factors should be considered:1) The reputation of the bank2) Size of the Bank3) Service offered by the bank4) Physical feature and personnel Signing contract
17、 and exchanging control documents(控制文件) Control documents include: Specimen Signature(印鉴样本) Telegraphic test key(密押) Terms and conditions(条款费率表)8. Inter-bank accounts (银行往来帐户) Banks always open an account in other banks in foreign countries,thus forms the inter-bank accounts. l To credit sbs a/c wit
18、h 贷记某人或某某单位帐户一定金额 l To debit sbs a/c with借记某人或某某单位账户一定金额l Credit Advice and Debit Advice贷记报单和借记报单9. Basic Methods of International Settlement Chapter 2: Instruments in International Settlement(结算工具)一negotiable instruments定义:A written promise or order signed by the maker to transfer a specified sum o
19、f money on demand or at a fixed future time to the person named on the instrument or to the bearer. Examples of negotiable instruments are promissory notes, drafts and cheques.二Essentials of of a negotiable instrument Be in writing Be signed by the maker or drawer Be an unconditional promise or orde
20、r to pay State a fixed amount of money Be payable on demand or at a definite time Be payable to order or to bearer三 Characteristics of Negotiable Instruments 1) Establishing the claim for a sum certain in money(票据创设了付给一定金额的请求权) 2)Accepting the instruments without investigating or questioning(票据是无因证券
21、,不必追究原因的证券) Once the instrument is issued, rights on the instrument and reasons why instruments are created are separated,independent to each other.(票据一旦做成,票据上权利即与其原因分离,成为独立的票据债权债务关系,不受先前原因关系存在与否的影响) Example: A deposit money in B,and A buys goods from C, then A issued an instrument to C,paid by B; C
22、 transfers the instrument to D because C once borrowed money from D; And D transfers the instrument to E for some value relationship; E asks B to make payment. 3)The form of instruments should keep up with law. Only those accordance with law can be protected.4) Instruments can be transferred. 5) Ins
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