国际函电论文.doc
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1、国际金融函电论文题目:Settlement for International TradeSettlement for International TradeWe have learned “International Banking Communication” in this term. But what is the international banking communication? International banking communication is a telecommunications document which is about the internationa
2、l financial exchanges, thinking and communication of economy and finance program in English among banks. The characteristics of it are openness, globalization, regionalism, low TCO and high efficiency. International banking communication is in compliance with the internal requirement of commercial e
3、conomy, at the same time, still makes it beyond the value of itself when it as a new trade form. International banking communication not only changes the enterprises own production, operation and management, but also brings about many conflicts against traditional trade forms. The most obvious sign
4、is increasing trade opportunities, reducing the cost and improving the trade efficiency. So the international banking communication is in rapid development when it is in the process of economic globalization and information globalization. What more, development of itself greatly promotes the develop
5、ment of international trade.What we learned in this term include format of a bank Letter, agency relationship, credit inquiry, accounting business and settlement for international trade. This course is to help us understand the language features and writing style of the international banking communi
6、cation. It can improve our writing level, which will place a good foundation forour career in the future. Then I want to introduce what is the settlement for international trade.But in the first, we should know the meaning of international settlement. It is multinational bank receipt and payment bus
7、iness. And it consists of settlement of international trade and non-trade settlement. What they are different in is that settlement of international trade is based on visible trade as non-trade settlement not.The main international settlement ways are remittance, collection, letter of credit and so
8、on. Now I would introduce them. Firstly, remittance is a settlement that remitting bank is required by remitter, paying a certain amount to paying bank in a certain way through the foreign correspondent bank or agent bank. The kind of remittance include telegraphic transfer (T/T), mail transfer (M/T
9、) and demand draft (D/D). If we select remittance for our settlement way, we should inspect the exporters reputation and financial states. Its worth noting that capital and settlement tools are flowing in the same direction when we use remittance. This way is named favorable exchange. Oppositely, co
10、llection and L/C are reverse remittance that the direction of capital and settlement tools fluxion is different.Secondly, method of collection work is the exporter authorizing local bank collecting the payment for goods as import bank present importer with documents. The kinds of collection are clea
11、n collection, documentary collection and direct collection. Need to pay attention to documentary collection because of its conditions. Documentary collection is composed of document against payment (D/P) and document against acceptance (D/A).Thirdly, letter of credit is a written commitment, which i
12、s issuing bank according to the requirement and instruction from applicant issued. It means that issue bank will pay a certain amount to beneficiary at sight or at a certain day in the future if beneficiary puts in bills, and the bills must in compliance with the credit terms provision. At a word, t
13、he L/C is a bank payment written commitment. According to different aspects, L/C can be divided into different kinds. The kinds are documentary credit and clean credit, revocable credit and irrevocable credit, confirmed credit and unconfirmed credit, transferable letter of credit, etc. The semester,
14、 we learn mainly L/C in this course and something about remittance and collection. I think teachers purpose is to help us know the most important international banking business, and handle the writing methods of L/C, remittance and collection. The next, I will introduce how to write the letter of cr
15、edit mainly and give a brief introduce about remittance and collection.1. Opening and Advising Relative Little of CreditIn the head, we should write as this form:To:From:Date:Dear Sirs:There are issuing bank, applicant and date what we should write in the documentary credit application. When it is r
16、eady, we must write what the kind is of the letter of credit, which the beneficiary is and amount of the business in the next paragraph. Yet, we must note the amount because the amount should be written to upper and lowercase. For example, the amount of USD56 700.00, we should write it as “USD56 700
17、.00, say FIFTY SIX THOUSAND AND SEVEN HUNDREN ONLY”. If you dont write both, you will take a risk about it. On the other hand, you should know if you have an account with opposite side or the opposite bank have an account with us. Along again or we both have accounts in a same bank. So, the business
18、 will much easier to do. Saying that finished, after this is whether interest and change should be covered or not. And we must list the conditions if opposite bank be authorized by us to act. Such conditions as (1)Provided that we inform you of our acceptance of the documents, you can make payment/a
19、ccept bills of exchanges and / or confirm your liabilities for deferred payments. (2)In case the documents are refused by us for any points which are not in conformity with the credit terms, you shall dispose of these documents thus returned to you with a statement of our refusal. (3)When no written
20、 notice is received from this company / corporation beyond three business days, you have the right to effect payment / acceptance / confirmation under the credit. And so on.What more, if necessary, we can add some special conditions. For example:(1)Documents are to be presented within 15 days after
21、bill of lading date. (2)This credit is subject to ICC publication No.500.(3)All banking conditions and charges outside Germany are for account of beneficiary, also in case of non-utilization.And so on.When conditions are listed over, we should expressly note all matters and procedures in respect of
22、the establishment of a credit, amendments and examination of documents payment or acceptance should be subject to which, such as 2007 revision, international chamber of commerce publication No.600 and so on. Text at the end we should provide category of the responsibility. Then main part is over.The
23、 ending is name of applicant or authorized signature.The above is the whole of the contents of the documentary credit application. And we can give a complete example.To:From:Date:Dear Sirs,Documentary Credit ApplicationWe hereby request you to open for our account by airmail / cable in full an irrev
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