国贸国际结算复习-案例评析（Review of international settlement in China World Trade Center a case study）文档格式.docx

国贸国际结算复习-案例评析（Review of international settlement in China World Trade Center a case study）文档格式.docx

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InaccordancewithD/P,thefirstbatchofplywoodwithavalueof$600thousandarrivedontimeandwasconsideredtobeofgoodqualityafterinspection.Awasverysatisfiedwithit.Whenthedeliverydateofthesecondbatchofplywoodisdue,theBmerchantputsforwardtoAcompany:

"

inviewofthedifficultyinthecashflowofyourcompany,wewillallowyoutoadopttheforwardpaymentmethodtohelpyourcompany.Asabuyer,youcangiveusadraftof$7millionpayableoneyearlater,andaccepttheacceptanceofShenzhenbranchofthepeople'

sConstructionBankofchina.Afteracceptance,youmayrestassuredthatwithinoneyear,weguaranteethat7milliondollarsofplywoodwillbedeliveredtoyou.Today,nextyear,yourcompanywillpayUS$7million."

AexecutivesembracedtheproposalofBmerchants.Hethinks,Idon'

tpaynow,onlytheusancebill,Bmerchantcandeliverthegoods,afterreceivingthegoods,Icansellonthedomesticmarket.Bythistimeoftheyear,

sellingplywoodcanalsobeusedforpaymentexpiresnextyear,withthebuilding,andthenearnmoneytopaythepurchasepricespeculation.Thisisreallyafreebusiness,Whynot?

!

However,A'

sboss,unexpectedisthatthisBmerchantaccepteddraftinSingaporetheUnitedStatesbankdiscountof$6million.Becausethedollarinterestrateofthebankislow,thebankcanrecovermorethan1milliondollarsayearafterdiscounting,whichisverycost-effective.So,theBankofAmericapaid6milliondollarsofcashtotheBmerchant,thusbecomingthetransfereeoftheusancedraft.

WhentheBmerchantgotthe$6millioncash,hedidn'

tgiveaplywoodtotheAcompany.NomatterhowAcompanyurgeshimtodeliverthegoods,theBmerchantdoesnotdeliverthegoods.Infact,Bmerchantslosttheirmoneyandthendisappearedwithoutatrace.

Ayearlater,theBankofAmerica,Singapore,paidtheShenzhenbranchofthebankwiththisacceptedusancedraft.Shenzhenbranchclerksaid:

theseller'

sdeliveryisnotwhatIpay?

"

thebankclerktoldhim:

whatdidnotwritethebillontheplywood,onlyonesentence:

ayearaftersightpay$7million.Ifthesellerfailstodeliver,youshouldgototheBmerchantandhavenothingtodowithourbankofamerica.Bmerchantdelivery?

Didhecheatyou?

Wedon'

tknow.Wepaid6milliondollarstotheBmerchanttoaccepttheusancedraft.Wearebonafideandpaytheassigneeoftheconsideration."

Becauseofthehugeamountofthiscase,itwassubmittedtotheStateCouncilforapproval,andtheBankofChina,Shenzhenbranch,paid$6milliontotheBankofAmericatosettlethecase.

Thinkingquestion

1.pleasepointoutthemajormistakesmadebythebuyerAShenzheninthiscase.

2.whyshouldtheCCBShenzhenbranchundertakethepaymentresponsibilityinthiscase?

3.,takingthecaseasthebackground,thepaperanalyzesthecharacteristicsofthenegotiableinstrument.

4.whyshouldthelawprotectthetransfereewhopaysthepriceingoodfaith?

Caseanalysis

ThiscaseisatypicalcasewhichhappenedinChinainrecentyears,causinggreatlosses.Throughthiscase,ourbusinesspersonnelareexposed,andthereisaveryvagueunderstandingofthepaymentmethods,paymenttoolsandnotesininternationaltrade.Thefollowingthreecasesareanalyzedinthiscase.

1.paymentmethods

TherearethreekindsofA.internationaltradepayment:

remittanceandcollectionandL/C.Amongthem,L/Cisacommonwayofsettlingaccounts.Becauseitenablesthesellertoreceivethegoodspromptlyandsafely,thebuyerreceivestheshippingdocumentsontime,andprovidesconvenienceforthebothsidesoftheimportandexport.

However,thethingisalwaysdividedintotwo,L/Calsohasshortcomings,ittakesupthebuyer'

sfunds,therefore,usingtheL/Cway,theseller'

spriceislowerthantheD/Pway.

B.Collectionreferstothepaymentbythecreditorwhogivesthedrafttoentrustthebanktocollecttheloanfromthedebtor.Collectionisdividedintotwotypes:

D/PandD/A,dependingonthetermsofpresentation.

Inthiscase,thepaymentmethodstipulatedinthecontractisD/P（L/P）,whichmeansthattheseller'

spresentationisbasedonthebuyer'

spayment.Thismethoddoesnotoccupybuyer'

sfunds,andthebuyercanobtaintheshippingdocumentsafterpayment.Thebillofladingistherealrightcertificate,thebuyerhasthebilloflading,andhasobtainedtheownershipofthegoods,whichcanbetransferredbyendorsement.Therefore,usingD