【正文】 assured of receiving payment if no special security is provided for the payment such as in the open account business and documentary security may be obtained through banks in the form of a bank guarantee is used as an instrument for securing performance or payment especially in international bank guarantee is a written promise issued by a bank at the request of its customer, undertaking to make payment to the beneficiary within the limits of a stated sum of money in the event of default by the may also be defined as the irrevocable obligation of a bank to pay a sum of money in the event of nonperformance of a contract by the from a letter of credit, a bank guarantee is an undertaking which will be brought into effect by the guarantor, namely the bank, only if the principal fails to pay or perform and so the bank is secondarily liable to the , under a payment guarantee, it is stipulated that the bank undertakes to pay, provided the documents presented are in pliance with the terms and conditions of the forms of a letter of guarantee are bank in the world seldom follows the Uniform Rule for Contract Guarantee and uses its own forms instance:PERFORIVIANCE GUARANTEETo:(Foreign buyer)Date:Performance Bond Betweenandhereafter referred to as the vendor, a contract for delivery ofunder entered into onat a total price ofCIF/,(bank), hereby irrevocablyguarantee the correct fulfillment of the abovementioned contract by the vendor and undertake hereby irrevocably to make a payment at once of an amount up to a total of___(in words)on your first written demand against return of the original of this document and your written declaration that the vendor has not plied with the liability under this guarantee expires at the latest must be made by registered letter or cable to reach us by that date, otherwise our liability bees original of this document must be returned to us after expiry or on settlement of claims under the guarantee, In case of a claim under the guarantee, we shall make payments according to the regulations in force concerning payment transaction bankExercises::1．支付方．2．延期支寸貨款3．賒賬4．裝運單證5．付款／承兌交單6．跟單托收7．履行其承諾8．書面承諾9．產(chǎn)地證明10．預(yù)付貨款 TO E:1．不可撤銷信用證為受益人提供了高度的保證。2．跟單信用證業(yè)務(wù)基本包括三個當(dāng)事人：開證申請人、開證行、受益人。3．信用證業(yè)務(wù)使銀行在進(jìn)口商和出口商之間起到了中間人的作用。4．在付款交單方式下，付款之前，買方不能取得代表貨物所有權(quán)的單據(jù)和提取貨物。5．銀行辦理托收業(yè)務(wù)對于付款人付款與否并不承擔(dān)責(zé)任，所以托收僅是一種商業(yè)信用。6．銀行保證書是由銀行向受益人提供的一種防止違約的付款承諾。就其在實際中的作用而言，它幾乎相當(dāng)于跟單信用證。銀行承擔(dān)向受益人付款的責(zé)任。但保函與信用證不同在于它不是一種付款方式，而是一種保障付款或履行其他義務(wù)的法律工具。而且，付款條件也不同，后者要提交運輸或者其他單據(jù)，而前者只需受益人提交簡單的報告書。 TO C:A documentary collection is the collection of a sum due from a buyer by a bank acting on behalf of a seller against delivery of certain is a method of payment, like a documentary documentary collection is an alternative to the letter of is often used when the buyer and seller know each other from prior transactions, when the amount is small, when financing from the bank is unnecessary, or when the buyer and seller wish to avoid the expense of the letter of documentary collection provides the buyer and the seller with a greater degree of protection than shipping on open the documentary collection, documentary bills are sometimes marked with6‘Documents against Payment“ or ”Documents against Acceptance.In either documents against payment or documents against acceptance, a bank is not liable beyond following the instructions given by the seller and exercising normal care in protecting the the buyer refuses either payment or acceptance, as the case may be, the merchandise remains the property of the is the risk that the seller faces in a collection.第二篇：電子支付與結(jié)算判斷題電子支付與結(jié)算判斷題（對）。（錯）。（對）。（錯），結(jié)算并非必須的一個環(huán)節(jié)。（錯）。（錯）。（對）。（錯）。（對）。（對）。（錯）。（對）。（錯）。（對）。（對）。（錯）。（錯）。（對）。（錯）。（錯）。（錯）。（對）。（錯）。（對）。（錯）。（對）。（錯）。（對）。（對）。（錯）。（對）。（錯）。（錯）。（錯）。（對）。（對）。（錯）。（對）。（對）。（錯）。（對）。（錯）。（對）。（對）。（錯）。（錯）。（錯）。（對）、多行業(yè)通用的一卡通。（錯）。（對）。（對）1．自助銀行又稱無人銀行。（錯）2．自動存款機(jī)簡稱ATM。（錯）3．自動存折補登機(jī)簡稱CDM。（對）4．指紋銀行是自助銀行的新模式。（錯）5．POS系統(tǒng)必須通過有線系統(tǒng)連接。（對）6．ATM故障時致電銀行客服無需提供密碼。（對）7．附行式自助銀行一般設(shè)立在銀行營業(yè)大廳內(nèi)。（錯）8．便利型自助銀行已大量應(yīng)用于居民小區(qū)內(nèi)。（錯）9．離行式自助銀行一般設(shè)置在人口稀少區(qū)域。（錯）10．自助銀行不提供夜間存款服務(wù)。，業(yè)務(wù)金額最大的是小額批量支付系統(tǒng)。錯 ，業(yè)務(wù)筆數(shù)最多的是大額實時支付系統(tǒng)。錯。對 。錯 。對 。錯 。錯。對、各省會及港澳臺處理中心。對 。對 八。錯。對 。錯，災(zāi)備中心在北京。對 。錯。對 。錯 。對 。錯。對 九（）。對（）。錯（），全球用戶數(shù)最多的第三方支付公司是PayPal。錯（）、C2C、B2B。對（）。錯（）。對（）。錯（）。對（）%費用。錯（）。對十（對），就稱為“多頭寸”。（錯）。（對）。（對）。（錯）。（錯）。（對）。（錯）。（對）。（錯）。十一（）。錯（）。對（）。錯（），加密密鑰和解密密鑰相同。對（）。對（）。錯（）。錯（）。對（）。錯（）。對 十二（）。對（）。錯（）。錯（）。錯（）5．《渥太華宣言》已成為主要發(fā)達(dá)國家制定其電子商務(wù)稅收政策的出發(fā)點和基本指導(dǎo)原則。對（）《支付清算組織管理辦法》（征求意見稿）在2013年初定稿。錯（）。對（）。錯（）9．《網(wǎng)上銀行業(yè)務(wù)管理暫行辦法》適用于所有商業(yè)銀行的網(wǎng)銀。對（）10．2013年8月起，中國開始全面對網(wǎng)店征稅。錯第三篇：電子支付與結(jié)算第一章，以及電子交易與傳統(tǒng)交易的區(qū)別內(nèi)涵：①信息共享②電子訂購③電子支付④訂單的執(zhí)行⑤售后服務(wù)區(qū)別：①傳輸和獲取信息的方式不同②商家處理客戶訂單的方式不同③交易中涉及的媒體不同在互聯(lián)網(wǎng)環(huán)境下，主要有B2C、B2B、C2C三種基本類型的電子交易①B2C電子交易是以互聯(lián)網(wǎng)