Click to edit Master title style,Click to edit Master text styles,Second level,Third level,Fourth level,Fifth level,*,*,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,*,单击此处编辑母版标题样式,编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,第二章 国际结算业务中的往来银行,2024/11/17,第二章 国际结算业务中的往来银行2023/10/7,1,第一节 国际金融业务中的银行机构,银行开展国际结算业务，必须有海外分支机构或代理行的合作。否则，业务就无法顺利进行。根据与本行的关系，可将往来银行分为两种类型：,联行,一家商业银行内部的总行、分行及支行之间的关系。,包括横向关系（分行之间，主体）；纵向关系（总行与分行之间）。,代理行,两家不同国籍的银行，互相委托，互为办理国际银行业务发生往来关系。,一般由双方银行的总行之间建立。,2024/11/17,第一节 国际金融业务中的银行机构银行开展国际结算业务，必须有,2,联 行,代表处,Representation Office,非营业性机构，不能经营真正的银行业务。主要提供信息。,代理处,Agency Office,能够转移资金、发放工商业贷款，不能经营消费者个人贷款，不能吸收当地存款。,分行,Branch,不具有法人资格，可以经营完全的银行业务，不能经营非银行业务。,受母行所在地和经营地法规的双重约束,2024/11/17,联 行代表处 Representation Office20,3,联 行,子银行,Subsidiary Banks,全部或大部分股权被总行控制，具有独立的法人资格，可以经营所在地所能经营的所有业务。,联营银行,Affiliated Banks,总行拥有其,50%,以下的股权，其余股权由东道国或外国几家投资者共有，业务与子银行相同。,银团银行,Consortium Banks,两个以上跨国银行共同投资组成，每家银行持股不超过,50,。,特点：母银行著名,/,在金融中心,/,经营单个银行不愿做的业务,/,服务各国政府或跨国公司,2024/11/17,联 行子银行Subsidiary Banks2023/10,4,代理行,建立代理行关系的必要性：,全球经济一体化的要求,国际贸易发展的要求,各国金融法规制约的产物,节约商业银行的外汇开支,代理行关系的建立,资信调查,签订代理协议并互换控制文件,确认控制文件：密押,/,印签样本,/,费率表,2024/11/17,代理行建立代理行关系的必要性：2023/10/7,5,Agency arrangemen,t,(,代理行协议),Bank A and Bank B through friendly negotiation and on the basis of equality and mutual benefits agree to establish correspondent relationship for the cooperation of banking business as follows：,Office concerned：,Bank A including its xxx branches,Bank B including its xxx branches,Additional branches Will be included through negotiation whenever business requires,2024/11/17,6,Control documents：,1Each party will send its Booklet of Authorized Signatures and Schedule of Terms and Conditions to the other party,2Bank As telegraphic test key is supplied to Bank Bs office for mutual use,Currency for transactions：,USdollars，Hongkong dollars，Deutsche Mark，Pound Sterling,Other currencies will be included through negotiation whenever it is necessary,Account will be opened through negotiation according to the development of business,2024/11/17,Control documents：2023/10/7,7,Business transactions：,1Remittance：,Each party may ask the other party to pay by draft，mail transfer，telegraphic transferAt time of drawing cover is to be remitted to the designated account of the paying party,2Letter of credit：,Each party may issue by mail or by cable the letter of credit to the other party nominated as advising bank Appropriate instruction is to be embodied in each credit advice with regard to reimbursement,2024/11/17,Business transactions：2023,8,3Collection：Each party may send collections directly to the other party with specific instruction in each dividual case regarding the disposal of proceeds,4Each party may request the other party to provide the credit standing of their clients,5Credit facilities：Credit facilities furnished by each bank shall be subject to separate arrangement,This arrangement becomes effective immediately on the date of signing of both parties and will terminate after receipt of either partys advise three months prior to the date of termination,Bank A Bank B,2024/11/17,3Collection：Each party may,9,COOPERATION AGREEMENT,(,合作协议),This Agreement is concluded to strengthen the cooperation of banking business and promote the development of business transactions between Bank A and Bank B，both parties agree on the basis of equality and mutual benefit as f01lows：,1Establish the correspondent relationship between two Banks,2Exchange information on the financial field and provide advisory service to each other,2024/11/17,COOPERA,10,3Bank A Will furnish Bank B with 1oans andor credit facilities at favorable condition,4Bank A undertakes to prepare and carry out at its own expense，trainee programs for senior officers from Bank B,This cooperation agreement shall take effect on the day of signing,Bank A Bank B,President General Manager,date date,2024/11/17,3Bank A Will furnis,11,代理行协议举例,代理行协议,甲银行与乙银行为了加强双方的业务往来合作，本着平等互利的原则，经过友好协商，决定建立代理行关系，达成如下协议：,协议行：甲银行 包括其,xx,分行,乙银行 包括其,xx,分行,在业务发展需要时，通过协商，双方其他分支机构亦可列入本协议内。,2024/11/17,代理行协议举例2023/10/7,12,控制文件：,1,、双方互换费率表、印鉴。,2,甲银行提供密押，双方共同使用。,代理货币：,美元，港元，日元，马克，英镑。,在业务发展需要时，双方可随时协商，增加其他主要的国际货币。,2024/11/17,控制文件：2023/10/7,13,开立账户：,根据业务发展需要，双方可随时协商，彼此开立账户，以便互相结算。,双方相互委托的业务：,1,、汇款：甲乙双方可互相委托对方解付票汇、信汇或电汇，委托方应及时将解付的款项调拨至受托方指定的账户行。,2,、信用证：甲乙双方可以函或电的方式向对方开立信用证，指定对方为通知行，每个信用证应列明偿付指示。,2024/11/17,开立账户：2023/10/7,14,3,、托收：甲乙双方互相委托办理托收业务，每笔托收业务应注明款项处理特别指示。,4,、甲乙双方可互相委托了解对方客户的资信。,5,、授信额度：另行商议。,本协议自签字之日起生效。日后任何一方要求终止协议，则需提前三个月通知对方。,甲银行 乙银行,（签字）,(,签字,),2024/11/17,3、托收：甲乙双方互相委托办理托收业务，每笔托收业务应注,15,第二节 账户行关系的建立,账户行,：一方或双方在对方开设账户，以解决双方结算中的货币收付。通常二者之间的业务往来较多。,非账户行,：仅建立代理行关系，不开设账户，而通过第三家银行进行结算。,代理行,账户行,非账户行,2024/11/17,第二节 账户行关系的建立账户行：一方或双方在对方开设账户，以,16,建立帐户的方式,一方在对方开立对方货币账户,一方在对方开立第三国货币账户,双方互开对方货币账户,2024/11/17,建立帐户的方式一方在对方开立对方货币账户2023/10/7,17,帐户行的选择,已建立关系的代理行，互委业务量比较多，资金实力雄厚，信誉卓著，经营作风稳健,具有先进的通讯设备，较高的工作效率，账户条件比较优惠,开户行所在国的货币应是国际上比较广泛使用的清算货币,2024/11/17,帐户行的选择2023/10/7,18,帐户的类别,往来账户：处理日常业务时使用的活期账户，一般不计利息,专用账户：除往来账户外，可以另外开立专用账户，用于在国外发行债券、发行股票,2024/11/17,帐户的类别2023/10/7,1