國(guó)際結(jié)算chpter9internationalfactoring-資料下載頁(yè)
2024-10-19 14:07本頁(yè)面
【正文】 要是出口交易）而產(chǎn)生的在將來(lái)某一個(gè)日子到期的債務(wù)，這種購(gòu)買(mǎi)對(duì)原先的票據(jù)持有人無(wú)追索權(quán)。 Parties involved in Forfeiting ? 出口商（ exporter） ? 進(jìn)口商（ importer） ? 福費(fèi)廷融資商（ forfeiter）又稱為包買(mǎi)商，即為出口商提供福費(fèi)廷融資的銀行或其他金融機(jī)構(gòu)。 ? 擔(dān)保人（ guarantor）或稱保付人，即為進(jìn)口商能按時(shí)付款做出擔(dān)保的當(dāng)事人。 Characteristics of Forfeiting ?第一，主要提供中期貿(mào)易融資。 ?第二，融資金額一般較大。 ?第三，按時(shí)間間隔出具債權(quán)憑證。 ?第四，使用最通用的貨幣。 ?第五，債權(quán)憑證應(yīng)由進(jìn)口方銀行擔(dān)保。 ?第六，債權(quán)憑證的購(gòu)買(mǎi)無(wú)追索權(quán)。 ?第七，以正常貿(mào)易為背景。 Procedures of Forfeiting ? The exporter, after obtaining a mitment from the forfeiter to finance the transaction at a fixed interest rate, will then proceed to validate the mercial contract. ? The importer, after receiving the shipping documents, signs a series of promissory notes with maturities fixed according to the repayment terms, usually at sixmonth intervals to reflect the installment, then gets the notes endorsed or guaranteed by a bank which is acceptable to the forfeiter. Procedures of Forfeiting ? The forfeiter purchases the series of notes from the exporter without recourse on discounting basis. ? At maturity of each note, the importer pays the amount due. If the importer fails to pay, the endorserbank or guarantor bank will be responsible for the due payment of the amount of the note together with the interest and losses incurred. Comparison with factoring ? 預(yù)付款金額不同。 ? 適用范圍不同。 ? 業(yè)務(wù)內(nèi)容不同。
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