国际结算英文版清华大学出版社答案.docx
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国际结算英文版清华大学出版社答案
国际结算（英文版）清华大学出版社-答案
KEYOFINTERNATIONALSETTLEMENT
Chapter1
I.PutthefollowingphrasesintoEnglish
贸易壁垒
tradebarrier
进口关税
importtariff
全球经济体化
economicglobalization
资金转移
fundtransfer
有形贸易
tangibletrade
无形贸易
intangibletrade
国际惯例
internationalcustomsandpractices
全球金融同业通讯协会
SWIFT
2.PutthefollowingsentencesintoEnglish
（1）国际结算涉及有形贸易和无形贸易，外国投资，从其他国家借贷资金，等等。
Theinternationalsettlementinvolves
tangibletrades,intangibletrades,
foreigninvestments,fundsborrowedfromorlenttoothercountriesandsoon.
（2）许多银行注重发展国际结算和贸易融资的业务。
Manybankshavefocusedontheirbusinessofinternationalsettlementandtradefinance.
（3）大多数国际间的支付来自于世界贸易。
Mostoftheinternationalpaymentsoriginatefromtransactionsintheworldtrade.
（4）一般来说，国际结算的方式分为三类：
汇款、托收和信用证。
Usuallytheinternationalsettlementisdividedintothreebroadcategories:
remittance,collectionandletterofcredit.
3.TrueorFalse
1）Internationalpaymentsandsettlements
arefinancialactivitiesconductedinthe
domesticcountry.（F）
2）Fundtransfersareprocessedandsettledthroughcertainclearingsystems.（T）
3）UsingtheSWIFTnetwork,bankscan
communicatewithbothcustomersandcolleaguesinastructured,secure,and
timelymanner.（T）
4）SWIFTcanachievesamedaytransfer.（T）
4.MultipleChoice
1）SWIFTis_B__
A.intheunitedstates
B.akindofcommunicationsbelongingtoTT
systemforinterbank'sfundtransfer
C.aninstitutionoftheUnitedNations
D.agovernmentaiorganization
2）SWIFTisanorganizationbasedinA
A.Brussels
B.NewYork
C.London
D.HongKong
3）Afacilityinfundarrangementforbuyers
orsellersisreferredtoA
A.tradefinance
B.salecontract
C.letterofcredit
D.billofexchange
4）Fundtransfersareprocessedandsettled
through__C
A.banks
B.SWIFT
C.clearingsystem
D.telecommunicationsystems
5）__C__isthereasonwhyinternational
tradefirstbegan.
A.Unevendistributionofresources
B.Patternsofdemand
C.Economicbenefits
D.Comparativeadvantages
5.Answerthefollowingquestions
1）Wherearethemediumofexchangeoriginatedfrom?
Tracingbackthehistoryofinternationalsettlement,themediumofexchange
originatedfromcoinstonotes.
2）Whatwillinevitablyleadtounderthe
internationalpolitical,economicand
culturalexchanges?
culturalexchangeinevitablyleadstocreditsanddebtsowedbyonecountrytoanother.
3）Whydobanksfocusonthedevelopmentofthebusinessesofinternationalsettlement?
Banksfocusmoreandmoreonthedevelopmentofthebusinessesbecauseitisamajorresourceofprofits.
4）Whatwillbanksdotomeetthehigherandhigherdemandoftheinternationalmarket?
Banksneedtodevelopinnovativeproductsanddeliverthebestservicespossibleinwhateverwaytheycan.
Chapter2
1.PutthefollowingphrasesintoEnglish
资金转移
fundtransfer
清算系统
clearingsystem
银仃竞争
bankingcompetition
可兑换货币
convertiblecurrency
国际支付
internationalpayment
2.PutthefollowingsentencesintoEnglish
（1）用于国际结算的货币是可兑换的货币•
Currenciesusedintheinternationalsettlementareconvertiblecurrencies.
（2）每一个通信和支付系统都有自己的使用规贝薦
Eachcommunicationandpaymentsystemhasitsownrules.
（3）有五种美元清算的方式。
TherearefiveUSdollarfundtransferpaymentmethods.
（4）欧元是欧盟国家使用的货币。
Euroisthesinglecurrencyofthe
EuropeanUnion.
（5）香港作为国际金融中心必须遵循国际惯例。
Asaninternationalfinancialcenter,HongKongmustfollowinternationalpaymentpractice.
3.TrueorFalse
1）CHIPSpaymentsareirrevocableandsubjecttoasame-daynetsettlementprocess.（T）
2）Booktransfersarepaymentmadebetweenpartiesthatmaintainaccountsatthedifferentbank.（F）
3）InJapan,cashisnotfarmoreoftenusedthanchecksforpaymentattheretaillevel.（F）
4）NotlaterthanJuly2002,theEurowillreplacethenationalcurrenciesinallpublicandprivatetransactions.
4.MultipleChoice
1）Thefollowingarethespecialproblemsfor
internationaltradeexceptfor__C__
A.usingforeignIanguagesandforeign
currencies
B.underforeignlaws,customsand
regulations
C.havingrisks
D.numerousculturaldifferences
2）Allthepartiestoacollectionarebound
byC__
A.UCP400
B.UCP500
C.UCR522
D.URC254
3）Anadditionalriskbornebytheseller
whengrantingacredittothebuyeristhat
thelatterwillnot__D_
A.acceptthebill
B.takeupthedocuments
C.takedelivery
D.makepaymentatmaturity
4）Totheexporter,thefastestandsafestmethodofsettlementis__B
A.letterofcredit
B.advaneepayment
C.collection
D.banker'sdraft
5）Totheimporter,thefastestandsafestmethodofsettlementis__C_—
A.letterofcredit
B.cashinadvanee
C.openaccount
D.banker'sdraft
6）Whichistherealinternationalpaymentsystem?
A
A.TARGET
B.FedWire
C.CHAPS
D.SWIFT
5.Answerthefollowingquestions
1）Howwillfundtransfersbeprocessedandsettled?
Fundtransfersareprocessedandsettledthroughcertainclearingsystems.
2）WhatisFedWire?
FedWireisanelectronicpaymentsystemoperatedbytheU.S.FederalReserve.ItsiusedtomakeUSdollarpaymentstobanksandtheircustomersthroughouttheUnitedStates.
3）Whenwilltheeurostarttouse?
FromJanuary1,1999,EuroisthesinglecurrencyoftheEuropeanUnion.
4）WhatisthestrongestofSWIFT?
ThestrongestfeatureofSWIFTismessagetextstandards.
Chapter3
1.PutthefollowingphrasesintoEnglish
总资产
totalassets
缺乏经验
lackofexpertise
全球策略
globalstrategy
专业服务
professionalservice
财务报表
financialstatement
2.PutthefollowingsentencesintoEnglish
（1）两家银行建立代理行关系的原则是基于双
方的互惠互利
Theoverallprincipletoestablishcorrespondentbankingrelationshipbetweentwobanksisonthebasisofmutualbenefits.
（2）一家银行对其所在国金融系统的重要性是对该银行进行评级的重要因素。
Theimportanceofabanktoitscountry'sfinancialsystemisamajorfactorintheratingprocess.
（3）穆迪和标准普尔在对银行进行评级时有许多相似之处。
MoodyandStandard&Poor's（“S&P”）sharemanysimilaritiesinratingbanks.
（4）许多著名的大银行是根据一定的程序来向代理行提供信用额度。
Thecreditlineforacorrespondentisworkedoutaccordingtocertainproceduresinmanysizeableandwell-know
banks.
（5）银行不仅可从贸易融资中获利，而且还可以介入金融活动之中。
Notonlybankscangainfromtradefinance,theycanalsoengageinthosefinancialactivities.
3.TrueorFalse
1）Riskmanagementstrategiesshouldbetakenintoconsiderationwhenratingcorrespondentbanks.（T）
2）Aworldwidecomputernetworkformonitoringthelineismaintainedbymanybanks.（T）
3）Abankshouldintroduceormodifythoseproductsinordertohavethoseproductstobemarketedinitsbankingoperation.（T）
4）Somecorrespondentswillnotextendcreditfacilitiestothebankwithnostroaccountandofferapreferentialaccount,sothatconductingbusinesswillbecomemoreconvenientandeasier.（T）
4.MultipleChoice
1）FromthepointofviewofaChinesebank,
_B__isourbank'saccountinthebookofanoverseasbank,denominatedin
foreigncurrency.
A.avostroaccount
B.anostroaccount
C.amirrioaccount
D.arecordaccount
2）AbankgetstoknowitsexactpositionoffundsbyA__
A.reflectingthecreditbalanee
B.examiningthemirroraccount
C.consuitingaforeignbank
D.checkingthenostroaccount
3）Statementsofbalaneeofinternationaipaymentdon'tinclude__D__
A.currentaccount
B.capitalaccount
C.balancingaccount
D.visibleaccount
4）
or
_A_referstoanexchangeofservicesassetsbetweencountries.
A.Invisibletrade
B.Visibletrade
C.Internationaltrade
D.Balaneeoftrade
5）Eachcountryhastoearn__Btopayforimports.
A.money
B.foreignexchange
C.cash
D.currency
5.Answerthefollowingquestions
1）Howwillratioofearningbedivided?
Ratiosofearningcanbedividedintoratioofcapitalreturn（Earning/Total
Capital,ROE）andratioofassetreturn（Earning/TotalCapital,ROE）.
2）Whydobanksdevelopthecorrespondentrelationshipwithforeignbanks?
Forthepurposeofrenderingbestservicetothebanks'clients,itisessentialforthebankstodevelopdirectcorrespondentrelationshipwithforeignbanksandoffermorediversifiedbankingservices,therebyplayinganincreasinglyprominentroleinpromotingand
regulatingthegrowthofthenational
economy.
3）WhatdoAmericanbanksandEuropeanbanksusuallydointheirfinancialactivities?
Americanbanksareactiveinmarketing
theirproductsandservicesinthefield
offundclearing,TradefinancehasalwaysbeenthemainsubjectofcorrespondentbankingoperationsbymanyEuropeanbanksforquitealongtime.
4）Whatshouldthecorrespondentfilesbe?
Thecorrespondentfilesshouldbeconcise,butcomplete,andupdated.
Chapter4
1.PutthefollowingphrasesintoEnglish
大小写金额
amountinwordsandfigures
无条件的书面支付命令
unconditionalorderofpaymentinwriting
远期汇票
termbill
跟单汇票
documentarydraft
无条件的支
付承诺
unconditionalpromiseofpayment
流通工具
negotiableinstrument
2.PutthefollowingsentencesintoEnglish
1）由于这张信用卡的持卡人不讲信用，发卡银行将取消该卡。
Theissuingbankofthiscreditwillcanceltheholderscardbecauseofhispoorcreditstanding.
2）旅行支票易于在国外银行、旅店、商店、机场等兑现。
Traveler'schecksareeasilyencashabkes,hotels,shipsandairportsabroad.
3）汇票和本票的定义有一些相似之处。
Therearesomesimilaritiesbetweenthedefinitionofabillofexchangeandapromissorynote.
4）请开立一张以Mr.Smith为付款人的金额为2000美元的即期汇票。
PleasedrawasightdraftonMr.
SmithforUSdollars2000.
2.TrueorFalse
1）Inchecktransaction,thedrawerandthepayerarethesameperson.（T）
2）Acheckisademandbankdraft.（T）
3）Adraftisaconditionalorderinwriting.（F）
4）Thepersonwhodrawsthebilliscalledthedrawer.（T）
5）Anyusancebillsneedtobeaccepted.（T）
6）Thereisnoaccept
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