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1、跨境电子商务双语教程案例库Case Bank for Bilingual Course of Cross-BorderE-Commerce2023年1月In January, 2023Chapter 7 Cross-border E-commerce Payments and Settlements第7章跨境电商支付与结算Case 1: The State Administration of Foreign Exchange of China reported 10 cases of illegal trading of foreign exchange for cross-border ga
2、mbling, with a maximum penalty of 4. 1 million YuanOn August 8, 2022, a reporter from the Beijing Business Daily noted that the State Administration of Foreign Exchange of China recently reported 10 cases of illegal foreign exchange trading for cross-border gambling. The time involved in these 10 ca
3、ses ranged from October 2017 to October 2019. The punishment targets were individuals, and the amount of punishment ranged from 86000 Yuan to 4. 1 million Yuan. According to the introduction of the SAFE, relevant punishment information is included in the central bank,s credit reporting system.From t
4、he content of the notice, in these 10 cases of illegal foreign exchange trading for cross-border gambling, 4 people illegally bought and sold foreign exchange by swiping cards through POS machines of domestic merchants who illegally moved overseas, and the other 6 people illegally bought and sold fo
5、reign exchange through underground banks for cross-border gambling. Among them, the case with the highest penalty amount was Zhao, a native of Shanxi Province, who illegally traded four foreign exchange transactions (equivalent to US $5. 989 million) through underground banks from September to Novem
6、ber 2018 for overseas gambling activities, which constituted illegal trading of foreign exchange. According to Article 45 of the Regulations on the Administration of Foreign Exchange, a fine of 4. 1 million Yuan was imposed.Source: Beijing Business Daily 2022-08-08Question:Please list Chinas legal p
7、rovisions on individual foreign exchange.1案例1:中国国家外汇管理局通报10起非法买卖外汇用于跨境赌博案例,最高被罚410万2022年8月8日,北京商报记者注意到,中国国家外汇管理局日前再度通 报10起非法买卖外汇用于跨境赌博案例。这10起案例涉及的时间从2017年10 月到2019年10月,处罚对象均为个人,被罚金额在8. 6万元至410万元间不等。 按照外汇局介绍,相关处罚信息均纳入央行征信系统。从通报的内容看,这10起非法买卖外汇用于跨境赌博案例中,有4人通过 非法移机境外的境内商户POS机刷卡来非法买卖外汇,另外6人则是通过地下钱 庄非法买卖外
8、汇用于跨境赌博。其中,被罚金额最高的一起案例是山西籍赵某, 其在2018年9月至11月,通过地下钱庄非法买卖外汇4笔折合598. 9万美元, 用于境外赌博活动,构成非法买卖外汇行为。根据外汇管理条例第四十五条, 处以罚款410万元人民币。资料来源:北京商报2022-08-08问题:我国对个人外汇兑换有什么规定?Answer:According to Article 2 of Detailed Rules for the Implementation of the Measures for the A dm in i s tra t i on of Indi vidual Foreign Exc
9、hange, the daily individual settlement of foreign exchange and the domestic individual purchase of foreign exchange are subject to the annual total amount management. The total annual amount is equivalent to US $50000 per person per year.参考答案:根据个人外汇管理办法实施细则第二条,对日常个人结汇和境内个人购 汇实行年度总额管理。年度总额合计为每人每年等值5万
10、美元。Case 2: The “2022 List of Financing Data of Cross-borderE-commerce Service Providers7 has raised 5. 15 billion Yuan in33 cases, a year-on-year decreaseOn January 10, 2023, the the Belt and Road” Top 10 influential social think tank, the Economic and Social E-Commerce Research Center, and the Econ
11、omic and Social Cross border E-commerce Platform (CBEC. 100EC. CN) released the 2022 Cross border E-commerce Service Provider Financing Data List. Analyze the financing development of Chinas cross-border e-commerce service providers in 2022 from the financing perspective.According to the monitoring
12、data of Dianshubao (DATA. 100EC. CN), a major e-commerce database under the Economic and Social Council of China, a total of 33 platforms in the field of cross-border e-commerce service providers in China in 2022 were funded, including LinkBaby, FindBear, ShoeGo, Coral Cross-border, ShopBase, Dousha
13、 Bao, Shop Secrets, Boding International, Silk Road Internet, Saivens, FunPinPin, Xingpan Cross-border, Shupai Cross-border, Wotu Network, Brandgogo, MoeGo, Eurostat, QuickCEP Sanmo Technology, OgCloud, Camel Digital, Yiya, Zhongying Cross-border, Jet Commerce, Laizenbao, Aochuang Aisi, Chenhai Grou
14、p, Jijia, Zhuozhi Group, Air Yunhui, Whale Tokowhale, with a total financing amount of about 5. 15 billion yuan. The investors include Yuanxin Capital, Mingyu Venture Capital, Huaou Venture Capital, Venture Works, Sequoia China, Qianhai, etc.From 2019 to 2021, the total financing amount of China,s c
15、ross-border e-commerce service providers was about 1. 97 billion, 3. 85 billion and 7. 35 billion respectively. In 2021, the number of cross-border e-commerce service provider financing events was 52, and the financing enterprises included Lai Zanbao, Shop Secrets, Mabang, XTransfer, E-warehouse Tec
16、hnology, Captain BI, Yishitong, Jijia, Air Yunhui, Zhiliu Technology, Mango Overseas Warehouse, Yiyan Technology, E-net Innovation Technology, Yiya, Pongo, Aike Technology, Fastnet E-commerce, Tutuo Shuke, Mogu, Lingxing, Modou Technology, Shumo Cross-border, Skyee, 17Track, Rice Cloud, COZMOX Qbit
17、Qubihui, Keyou Cloud, E-warehouse Technology, Fanding International, Yishuitong, Chuanliu, Xingpan Cross-border, XTransfer, Air Yunhui, Yiyan Technology, Qingtian All-Tax, Qupital Qiaobidao, SmartCloud Service, Fastlane, Xuhui SUNRATE, FunPinPin. Compared with 2021, the number of cross-border e-comm
18、erce service providers financing events in 2022 decreased by 36.54% year-on-year, and the total amount of financing decreased by 29. 93% year-on-year.Source: https:www. lOOec. cn/zt/2022kjdsfwsrzb/Question:(1) What is the reason for the current decline in financing data of cross-border e-commerce en
19、terprises?(2) What is the possible negative impact of the increase in financing scale for enterprises?案例2:2022跨境电商服务商融资数据榜33起融资51. 5亿元,同比双降2023年1月10日,“一带一路” T0P10影响力社会智库网经社电子商务研究 中心联合网经社跨境电商台(CBEC.100EC.CN)发布2022跨境电商服务商融资 数据榜。从融资角度分析2022年中国跨境电商服务商融资发展情况。据网经社旗下电商大数据库“电数宝”(DATA. 100EC. CN)监测数据显示,2022
20、中国跨境电商服务商领域共有33家平台获得融资,分别为链接宝贝、查明熊、 店匠、珊瑚跨境、ShopBase、豆沙包、店小秘、博鼎国际、丝路互联、赛文思、 FunP inPin星盘跨境、数派跨境、卧兔网络、Brandgogo、MoeGo、欧税通、Qu ickCEP 三墨科技、OgCloud,驼驼数科、易芽、中盈跨境、Jet Commerce.来赞宝、奥 创爱思、辰海集团、积加、卓志集团、空中云汇、鲸绽Tokowhale,融资总金额 约51. 5亿元。投资方包括渊信资本、明裕创投、华瓯创投、创业工场、红杉中 国、前海一方等。2019年至2021年中国跨境电商服务商融资总金额分别约为19.7亿、38.
21、 5 亿、73. 5亿。2021年跨境电商服务商融资事件数共52起,融资的企业有来赞宝、 店小秘、马帮、XTransfer,易仓科技、船长BI、亿数通、积加、空中云汇、智 六科技、芒果海外仓、邑炎科技、易网创新科技、易芽、Pongo,爱客科技、速 网电商、驼驼数科、墨谷、领星、魔豆科技、数魔跨境、Skyee. 17Track,稻米 云、COZMOX、Qbit趣比汇、客优云、易仓科技、泛鼎国际、亿数通、川流、星 盘跨境、XTransfer、空中云汇、邑炎科技、擎天全税通、Qupital桥彼道、智 慧云服、Fastlane、寻汇SUNRATE、FunPinPin。与2021年相比,2022年跨境电
22、 商服务商融资事件数同比下降36. 54%,融资总金额同比下降29. 93%O 资料来源:. 100ec. cn/zt/2022kjdsfwsrzb/问题:(1)分析跨境电商企业目前融资数据下降的原因是什么?(2)对企业来说融资规模增加可能产生什么负面影响?Answer:(1) Perhaps due to the slowdown of global economic development and the reduction of consumer demand, the sales volume of enterprises has not increased much.(2) With
23、 the increase of financing scale, enterprises have to pay interest and return principal, and if the debt scale is too large, financial risks may be formed.参考答案:;1)可能由于全球经济发展变缓,消费者需求减少,企业销量也增加不多。(2)融资规模增加,企业要支付利息和归还本金,并且如果负债规模过大,可 能会形成财务风险。Case 3: Application of letter of credit on cross-bordere-comm
24、erce B2B platformXiao Li of an import and export company reached a deal with a Pakistani customer to sell a batch of masks on the cross-border e-commerce B2B platform. The customer requested to pay by telegraphic transfer after the goods arrived. After consulting with the master, Xiao Li did not agr
25、ee to use telegraphic transfer, and suggested using letter of credit for settlement.(1) What is a letter of credit?(2) What are the characteristics of letter of credit?(3) The letter of credit only passes through the electronic payment company, and does not need to be processed through the bank?案例3:
26、跨境电商B2B平台上信用证的应用某进出口公司小李在跨境电商B2B平台上与巴基斯坦客户达成销售一批口 罩交易,客户要求用货到后电汇付款。小李向师傅请教后不同意用电汇,建议采 用信用证结算。(1)什么是信用证?(2)信用证有哪些特点?(3)信用证仅通过电子支付公司,不需要通过银行处理吗?Answer:(1) Letter of credit refers to a written document issued by the bank to the exporter (seller) at the request of the importer (buyer) to guarantee that
27、it will bear the responsibility of payment for goods. In the letter of credit, the bank authorizes the exporter, under the conditions specified in the letter of credit, to draw a bill of exchange with the bank or its designated bank as the drawee, which shall not exceed the specified aniounl, and at
28、 Lach Lhe shipping documeriLs as required, so as to collect the goods at the designated place on schedule.(2) The letter of credit has three characteristics:First, the letter of credit is a self-sufficient instrument. The letter of credit is not attached to the sales contract. When the bank examines
29、 the document, it emphasizes that the letter of credit is separated from the basic trade in written form;Second, the letter of credit is pure document transaction. The letter of credit is payable against documents, not subject to the goods. The issuing bank shall pay unconditionally as long as the d
30、ocuments are consistent; Third, the issuing bank bears the primary liability for payment. Letter of credit is a kind of bank credit. It is a guarantee document of the bank. The issuing bank has the primary responsibility for payment.(3) (3) The L/C must be processed by the bank, and the documents mu
31、st be consistent with each other. Only when the documents are consistent with the L/C can the issuing bank obtain timely and full payment.参考答案:(1)信用证,是指银行根据进口人(买方)的请求,开给出口人(卖方)的一 种保证承担支付货款责任的书面凭证。在信用证内,银行授权出口人在符合信用 证所规定的条件下,以该行或其指定的银行为付款人,开具不得超过规定金额的 汇票,并按规定随附装运单据,按期在指定地点收取货物。(2)信用证方式有三个特点:一是信用证是一项自足文件(self-sufficient instrument)信用证不依附于 买卖合同,银行在审单时强调的是信用证与基础贸易相分离的书面形式上的认证; 二是信用证方式是纯单据业务(pure documentary transaction)。信用证是凭 单付款,不以货物为准。只要单据相符,开证行就应无条件付款;三是开证银行负首要付款责任(primary liabilities for payment)o信用证是 一种银行信用,它是银行的一种担保文件,开证银行对支付有首要付款的责任。(3)信用证必须要通过银行处理单据,单单相符,单证相符才能获得开证行的 及时足额付款。
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