题目内容
（请给出正确答案）
A、商业银行在未来某一日期按照事前约定的条件向客户提供约定信用的业务
B、借款人可以全部或部分地提用承诺金额，但仅能使用一次
C、借款人可多次提用，一次提用部分贷款并不失去对剩余承诺在剩余有效期内的使用权利
D、借款人在有效期内可多次提用，并且可反复使用已偿还贷款，只要借款人在某时点使用的贷款不超过全部承诺额即可
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更多“循环贷款承诺(Revolving Commitment)业务…”相关的问题
A.定期贷款是传统的贷款形式
B.循环贷款没有关于承诺期的规定
C.在循环信贷形式下，贷款的提取与偿还可能会同时交错进行
D.在定期贷款形式下，定期贷款的偿还与提取可以同时进行
A.承诺函
B.保证书
C.阶段性担保
D.书面声明
下列关于贷款的分类,正确的是()
A．按照抵押情况可以划分为信用贷款、承诺贷款、保证贷款、抵押贷款和质押贷款
B．按照信用性质可以划分为工业贷款、商业贷款、农业贷款、建筑业贷款、消费者贷款、住房按揭贷款、商业按揭贷款、房地产开发贷款等
C．按照还款方式可以划分为一次偿还贷款和分期偿还贷款
D．按照贷款对象可以划分为定期贷款和循环信用额度贷款
不带质押的融通汇票
(1)开立循环的承兑信用额度证
Revolving acceptance credit covering purchase of cocoa beans opened in favour of The Manufacturing Co., by an accepting house, William Caxton & Co., Unsecured.
William Caxton & Company
To: The Manufacturing Co., London, 11 Jan., 200×
Liverpool
Dear Sirs,
Revolving Acceptance Credit No. U-429
In response to your application, we have pleasure in establishing our Revolving Acceptance Credit No. U-429 to the extent of GBP100,000.00 (say one hundred thousand pounds) available by your drafts on ourselves at three months after date for the purpose of financing your purchase of cocoa beans from Kingston to Liverpool and each draft must be marked "Drawn under Credit No. U-429 against purchase of cocoa beans".
All drafts are to be covered by you in cash with us at or before their respective maturity dates, but the credit being revolving, when and to the extent that drafts are so covered the facility automatically becomes available again.
Our acceptance commission payable at time of acceptance will be 1.75% per annum. This credit will expire on 11 Jan., next year, and all drafts must be drawn and accepted not later than that date.
The credit being unsecured is a condition hereof that you will not create any new mortgage of charge on your property or assets without our consent.
We enclose our usual form of undertaking in respect of this credit which kindly sign and return to us.
Yours faithfully
William Caxton & Co., London
signature
(2)开立融通汇票
Please draw an accommodating bill which was dated 1 April, 200× drawn by The Manufacturing Co., Liverpool, on William Caxton & Co., London payable to drawer's order duly endorsed in blank by them at three months after date for the sum of GBP10,000.00 marked: "Drawn under Acceptance Credit No. U-429 against purchase of cocoa beans". The bill was accepted by the drawee and payable at Barclays Bank Ltd., London. Please accept the bill and specify its due date.
(3)要求承兑融通汇票，提示贴现公司，请其贴现
You will send a letter to William Caxton & Co., with five bills, each for GBP10,000.00 taking the form as follows:
To: William Caxton & Co., Liverpool, 1 April, 200×
London
Dear Sirs,
Revolving Acceptance Credit No. U-429
With reference to the above credit dated ______ we would like to avail our- selves of GBP50,000.00 of the facility, and enclose here with five bills, each for ______, drawn at ______ which we have endorsed in blank.
After acceptance kindly hand these bills to Gillett Brother's Discount Co. Ltd., for ______.
We will be glad if you would debit our account with your acceptance commission.
Yours faithfully
The Manufacturing Company, Liverpool
signature
You will send another letter to Gillett Brother's Discount Co. Ltd., as follows:
To: Gillett Brother's Discount Co. Ltd.,
London Liverpool, 1 April, 200×
Dear Sirs ,
We enclose a copy of a letter we wrote to William Caxton & Co. today, and from which you will see that we have asked them to hand to you ______ bills total-ling ______ for ______. We should be glad if you would pay the net proceeds of these bills to Barclays Bank Ltd., London for the credit of our account.
Yours faithfully
The Manufacturing Co., Liverpool
signature
(4)计算贴现金额，制作贴现说明书
Please calculate the discount using the following formula.
______
Suppose V=CBP50,000.00
t=90
d=9
What is the amount of discount？ ______
What is the net proceeds？ ______
When the discount company has discounted the five bills, they will send a discount statement. Please make out this statement filling particulars in the form as follows:
Gillett Brother's Discount Co. Ltd.,
To: The Manufacturing Company, London, 2 April, 200×
Liverpool
We have pleasure in confirming the PURCHASE of the bills listed below. In accordance with your instructions, the net proceeds have been paid to Barclays Bank Ltd. London for the credit of your account.
| Amounts | Discount & net proceeds | Due date | Tenor in days |
| GBP 10,000.00 | ______ | ______ | |
| 10,000.00 | |||
| 10,000.00 | |||
| 10,000.00 | Total face value GBP ______ | ||
| 10,000.00 | Less discount at | ||
| 9% per annum ______ | |||
| Net proceeds GBP ______ |
Per Pro
Gillett Brother's Discount Co. Ltd.,
London
signature
(5)开立新的融通汇票，用其贴现净款归还旧的融通汇票到期应付之款
In accordance with the revolving acceptance credit, you must pay cash to the accepting house, William Caxton & Co., on or before the due date, 1 July, 200×. The credit being revolving, allows for the drawing of a new bill to replace those which are maturing.
Let us assume when the GBP50,000.00 bills fall due on 1 July, 200×, you have cash in hand for GBP20,000.00 to pay the bills, and the balance will be covered by issue of a new bill for the face amount to be calculaced by using following formula:
v=30,000 d=9 t=90
______
Please issue a new bill similar to the old bills except amount as calculated above and dated on 1 July, 200×.
Having drawn a new bill for the face amount as calculated above, The Manufacturing Company send it together with a letter addressed to William Caxton & Co., as follows:
To: William Caxton & Co.,
London 30 June, 200×
Dear Sirs,
Revolving Acceptance Credit No. U-429
With reference to the five bills of GBP10,000.00 each drawn under above credit and maturing on ______, we enclose our cheque for GBP20, 000. 00 and a new bills for ______ dated 1 July, 200× at three months after date. We should be glad if you will kindly ______ and hand to Gillett Brother's Discount Co. Ltd., for ______, the net proceeds ______ will be refunded three old bills.
Yours faithfully,
The Manufacturing Company, Liverpool
signatur
(1)( ) The Revolving credit amount is USD120,000.00.
(2)( ) The Revolving credit amount is USD20,000.00.
A.Revolving
B.Devolving
C.Evolving
D.Involving
