CDCS考试全攻略

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1、CDCS 考考 试试 全全 攻攻 略略 主主 要要 内内 容容?CDCS考试概况?考试形式?考试范围?复习计划巧安排?应试技巧 CDCS 考试概况 CDCS简介 1 1、什么是、什么是CDCSCDCS Certified Documentary Credit Specialist（CDCS）是一个证明跟单信用证人员理论能力以及实际业务操作能力的专业认证考试，它是在业内专家磋商基础上发展起来的，并保证此认证能够真实地对参考人员的业务能力进行考察。它由国际商会（ICC）授权，英国注册银行家协会（CIB）和国际金融服务协会（IFSA)合作共同推出。其签发的证书代表了跟单信用证人员的业务水平，受全世界

2、承认。CDCS 考试概况 CDCS简介 2 2、为什么要参加、为什么要参加CDCSCDCS考试考试 CDCS考试可以扩大从业人员的实际业务知识，是专业人员在此领域继续发展不可或缺的一部分。由于CDCS得认证为世界所承认，因此它代表了跟单信用证方面的国际水准，能够通过此考试的人拥有“跟单信用证专家资格证书”。CDCS 考试概况 CDCS简介 3 3、考生资格、考生资格 实际上，此考试对有意参考的人员没有特殊要求，但是考试中心要求参考人员必须具有至少三年在信用证领域工作的经验。考试人员要想正式得到此认证，必须提交一封由一名高级人员证明的该考生在信用证领域有一定从业经验的推荐信。但由于中国是ICC成

3、员国，因此不受此限制，参考人员无论工作年限、是否具有专业背景，都可以参加考试。CDCS 考试概况 CDCS简介 4 4、备战考试、备战考试 参加考试的考生应使用CIB和IFSA的统一考试资料。考卷中的所有试题以此考试资料为依据。当考生正式注册成功后，会收到这些资料。CDCS考试时间为3小时，全英文考卷，共分为两个部分，第一部分为85道选择题，以CDCS考试大纲内容为基础，第二部分包括35道选择题，以案例分析为主，目的在于检测考生工作中的信息积累、对信用证的理解和判定等方面的技巧。CDCS 考试概况 CDCS简介 5 5、考试时间，报名程序、考试时间，报名程序 CDCS考试每年4月中旬举行一次，

4、ICC CHINA秘书局负责中国大陆地区考生报名。www.icc-china.org 6、专家资格的延续、专家资格的延续 CDCS专家资格有效期为三年，如果希望延续，有两个途径：一是重新参加考试；二是积累学分（Professional Development Units,PDUs），三年内积满24分，一年内最多不超过16分。CDCS 考试概况 CDCS在中国 在2001年4月以前，中国大陆地区还没有进行过CDCS考试，距离中国大陆地区最近的考点设在香港。最近几年，国际商会中国国家委员会（ICC CHINA)有关学术机构和其他单位一直在中国开设UCP500的课程和培训，但还没有这方面的资质认证。

5、值得庆幸的是，经过ICC CHINA秘书局的努力，终于和英国金融服务协会（IFS）达成协议，在2001年4月12日，首次在北京举行了CDCS考试，并于2002年经考试地点扩大到上海和广州三个城市，今年又增加了大连、长沙、成都三个城市。以后中国考区的CDCS考试将由ICC CHINA和IFS联合举办。CDCS 考试概况 CDCS在工行 自2001年中国大陆正式引入CDCS考试开始，总行国际部一直非常重视，并且一直鼓励和支持全行从事国际结算的广大员工参加考试。到目前为止，全行通过该考试的人员超过240人。同时，为了加强对CDCS考试的管理和对已通过CDCS考试人员的使用，总行在2004年特制定了关

6、于对CDCS考试相关问题的指导意见。?考试报名?考试费用及资格延展?获得CDCS资格认证人员的使用 考试形式 考试时间：三个小时 答题形式：涂题卡 题目类型：选择题，两个部分，第一部分85题；第二部分35题 考试通过要求：两部分分别通过 考试形式题目类型 第一部分：第一部分：Multiple-choice questions 只有一个正确答案，三个等级：Knowledge questions are recall questions.Application questions apply knowledge.Analysis,also called higher level thinking,

7、questions require both knowledge and application skills.Knowledge I?Recall/Knowledge:recognize specific information and facts that do not vary by situation.There will be 55 knowledge or recall questions on the exam.Ex.1:Which of the following percentages represents the minimum insured value of goods

8、 on the insurance document unless otherwise stated in the Documentary Credit where the CIF/CIP value can be determined?A.100%.B.105%.C.110%.D.115%.Explanation:Article 34 Insurance Documents f.ii.Unless otherwise stipulated in the Credit,the minimum amount for which the insurance document must indica

9、te the insurance cover to have been effected is the CIF or CIP value of the goods,as the case ay be,plus 10%,but only when the CIF or CIP value can be determined from the documents on their face.Knowledge II Ex.2:Prior to advising a Documentary Credit to the beneficiary,the Advising Bank is responsi

10、ble for:A.Effecting payment against conforming documents.B.Checking the apparent authenticity of the Documentary Credit.C.Notifying the Issuing Bank that the Documentary Credit is being advised.D.Checking that the reimbursement method is effective.Explanation:Article 7 Advising Banks Liability a.A C

11、redit may be advised to a Beneficiary through another bank(the“Advising Bank”)without engagement on the part of the Advising Bank,but that bank,if it elects to advise the Credit,shall take reasonable care to check the apparent authenticity of the Credit which it advises.If the bank elects not to adv

12、ise the Credit,it must so inform the Issuing Bank without delay.Application I?Application:require comprehension,interpretation,or manipulation of concepts or data.There will be a total of 65 application questions on the exam(Part 1 and 2).Ex.3:Delivery of goods has been made to the buyer on 08 Octob

13、er.The relevant documents were presented in order,including a CMR dated 15 days prior to delivery.The Documentary Credit terms state that payment is to be effected 30 days after shipment.On which date will payment be made?(There are NO banking holidays and Saturdays and Sundays are NOT banking days.

14、)A.Friday 22 October.B.Monday 25 October.C.Friday 05 November.D.Monday 08 November.Explanation:CMR（p.205）:Transport documents covering the dispatch of goods by rail or by road are Rail and Road Consignment Notes.Road waybills are also called Truck Waybills or CMR Notes(Convention Merchandises Routie

15、rs).Date of Shipment（UCP500 article28）ii.The date of issuance will be deemed to be the date of shipment unless the transport document contains a reception stamp,in which case the date of the reception stamp will be deemed to be the date of shipment.Application II Ex.4:When an Advising Bank has accep

16、ted a Time/Usance Draft under an Advised Documentary Credit,they are responsible for effecting payment at maturity when:A.they have received funds from the Issuing Bank.B.they have received funds from the Reimbursing Bank.C.the draft is verified by the Applicant.D.the draft is presented by the Benef

17、iciary.Explanation:By Acceptance（p.83）:The terms and conditions of a Credit issued on acceptance terms are that:payment is not immediate drafts are required to be presented payment is on the maturity dates of the draft.Analysis?Analysis:require the integration or synthesis of a variety of concepts a

18、nd/or elements to solve a specific problem situation.Questions test the ability to gather information,evaluate data and make decisions.Analysis questions often require value judgments concerning the effectiveness,appropriateness or best course of action in a given situation.There will be 5 analysis

19、questions on the exam.Direct or Closed Question?A complete question followed by four options;there is only one correct answer to direct or closed questions.Ex.5:What is the applicable Incoterm for an Airway Bill market“Freight Prepaid”?A.FCA.B.CFR C.CPT C.CPT D.DAF Explanation:FCA:Free Carrier(named

20、 place)CFR:Cost and Freight(named port of destination)CPT:Carriage Paid To(named place of destination)DAF:Delivery at Frontier(named place)Open Question or Incomplete Sentence?An incomplete sentence with four options;there is only one correct answer to incomplete sentence questions.Ex.6:Documents un

21、der a Documentary Credit,including the CMR consigned to the order of the Issuing Bank,have been delayed in transit between the Confirming Bank and the Issuing Bank.The Applicant requires the goods urgently and therefore requests from the Issuing Bank a:A.Delivery Order.A.Delivery Order.B.Letter of I

22、ndemnity.C.Performance Guarantee.D.Shipping Company Guarantee.Explanation:Airway Releases and Delivery Orders(p.460):and delivery orders deal with the delivery of goods dispatched by modes other than sea and air and are the mode generally seen is in respect of goods dispatched by road.Complete Quest

23、ion that includes the phrase“which of the following”?Is used when there is more than one correct answer to a question,but ONLY one of the correct answers is offered in the options.Ex.7:Which of the following Incoterms applies only to where a ship represents the point of delivery for transportation b

24、y sea or inland waterway?A.FCA.B.FAS B.FAS C.CPT D.DAF FAS,FOB,CFR CIF,DES,DEQ Complex Multiple-Choice?There may be more than one correct answer.The response will include options.Ex.8:A Marine Bill of Lading acts as:1.an acknowledgement of receipt of the goods by the carrier.2.evidence of a contract

25、 of carriage.3.a document of title for the goods.4.evidence of the contract between the seller and the forwarding agent.A.1 and 3 only.B.2 and 4 only.C.1,2 and 3 only.C.1,2 and 3 only.D.2,3 and 4 only.Negatively Worded or EXCEPT questions?Three of the four options are correct and only one option is

26、incorrect.There is only one answer for EXCEPT questions.Ex.9:In accordance with UCP all the following statements relating to commercial invoices under a non-transferable Documentary Credit are correct EXCEPT the commercial invoices must:A.be manually signed by the Beneficiary.A.be manually signed by

27、 the Beneficiary.B.be made out in the name of the Applicant.C.appear to have been issued by the named Beneficiary.D.indicate the description of goods corresponding with the Documentary Credit.Key Words-LEAST,BEST,MOST?The question requires evaluation and the selection of the appropriate option.Ex.10

28、:Which party has the MOST responsibility to examine the terms and conditions of a Documentary Credit against the sales agreement?A.Applicant.B.Beneficiary.B.Beneficiary.C.Issuing Bank.D.Confirming Bank.Situational Set?There is one answer to each question in situational sets.There may be more than on

29、e question for each information set.多为分析性问题，多为分析性问题，一般情况下，一般情况下，一组情境下只有一个问题。一组情境下只有一个问题。考试形式题目类型 第二部分：第二部分：In-basket/Simulation exercises 五个分析性问题（Analysis questions）。四套单据，每套单据五个问题。两道审单题，各五个不符点。考试范围考试内容概览 1、Documentary Credit Groups(1)Types and Uses of Documentary Credits(2)Parties to the Credit:Role

30、s,Responsibilities and Risks(3)Types of Payment 2、Characteristics of Documentary Credits(1)Primary Characteristics(2)Specialty Characteristics 3、Operations(1)Processes(2)Related Products/Terms 4、Financial and Commercial Documents 5、Rules Multiple Choice Questions Content Outline1、Documentary Credit

31、Groups(1)Types and Uses of Documentary Credits(2)Parties to the Credit:Roles,Responsibilities and Risks(3)Types of PaymentSubtotal2、Characteristics of Documentary Credits(1)Primary Characteristics(2)Specialty CharacteristicsSubtotal3、Operations(1)Processes(2)Related Products/TermsSubtotal4、Financial

32、 and Commercial Documents5、RulesTOTALSTotal31131717311141424428282299090KN3831414369 912315151165555APAN33 30 044 4911010103303011 133 315 5考试范围读透CDCS应试指南 应试指南章节一览应试指南章节一览 1.2.3.4.Documentary credits-an overview The sales agreement Documentary credits-types,uses and characteristics Parties to docume

33、ntary credit transactions-roles and responsibilities 5.Issuance and amendment 6.Transportation documents 7.Other documents 8.Presentation,examination and settlement/rejection 9.Bank-to-bank reimbursements under documentary credits 10.Related products 11.Risk issues 考试范围读透CDCS应试指南 应试指南第二版与第一版不同之处（一）应

34、试指南第二版与第一版不同之处（一）ISBPInternational Standard Banking Practice for the Examination of Documents under Documentary Credits?Preliminary considerations that relate to the application and issuance of credits(15)?General principles that are not specific to any one article of UCP500 or any one document(644)

35、?Practices that are clearly linked to a named type of document:?Drafts(4558)?Invoices(5972)?Transport documents(73182)?Insurance documents(183195)?Certificates of origin(196200)考试范围读透CDCS应试指南 应试指南第二版与第一版不同之处（二）应试指南第二版与第一版不同之处（二）eUCPThe Supplement to the Uniform Customs and Practice for Documentary C

36、redits for Electronic Presentations?eUCP是UCP500的补充，与UCP500一同适用；eUCP应用灵活，适用与部分纸质、部分电子交单和全部电子交单的情况；eUCP是动态的，目前是1.0版本；eUCP的结构比照UCP500并按电子交单的流程进行规定；eUCP的条款可以分成四个部分：?在UCP500中有的、也适用于eUCP信用证的条款（如UCP500中2到10）；?对UCP500是一种补充而无冲突、且不影响UCP500适用的条款（如eUCP中e3(a)）；?与UCP500不同，但仅适用于电子单据的条款（如eUCP中的11和12）；?对UCP500中对应有所改

37、变的条款（如eUCP的2(a)、5(c)和(e)、7(a)和(b)、8）。?信用证，凡遵守eUCP的，将自动遵守UCP500而无需明示；?如果信用证遵守eUCP，当与UCP500冲突时，以eUCP为准。?推荐阅读“Guide to understanding the electronic supplement to the UCP500”ICC639。考试范围读透CDCS应试指南 应试指南第二版与第一版不同之处（三）应试指南第二版与第一版不同之处（三）ISP98International Standby Practices?部分条款 全部条款?ISP98与UCP500的比较 ISP98 与 U

38、CP500 比较 项目项目 适用适用 约束约束 及时及时 分行分行 提示提示 不可抗力不可抗力 单单一致单单一致 Two-copies Two-fold 转让转让 包括申请人包括申请人 3天，天，47天天 履行非开证人义务时为另一个履行非开证人义务时为另一个party 可以部分提示可以部分提示 顺延到再营业后的第顺延到再营业后的第30个工作日个工作日 可以不完全一致可以不完全一致 均为正本或副本均为正本或副本 可多次，但不能部分可多次，但不能部分 ISP98“当事人当事人”不一定是银行不一定是银行 银行银行 UCP500 不包括申请人不包括申请人 7天天 另一个另一个party 不可以不可以

39、终止终止 必须一致必须一致 可以有一张正本可以有一张正本 可部分，但只可一次可部分，但只可一次 考试范围读透CDCS应试指南 涉及到的国际惯例涉及到的国际惯例 1.UCP500Uniform Customs and Practice for Documentary Credits 2.ISP98International Standby Practices 3.URR525Uniform Rules for Bank-to-bank Reimbursement Under Documentary Credits 4.UCP500 subarticle 20(b)Decision on Orig

40、inal Documents(p.373)5.ICC Position Papers 14 Position No.1Amendments（p.193）Position No.2Negotiation（p.84）Position No.3Non-documentary conditions（p.180）Position No.4Transportation documents articles(23-30)(p.292)6.ISBP International Standard Banking Practice for the Examination of Documents under Do

41、cumentary Credits 7.eUCPSupplement UCP500 for Electronic Presentations 8.Incoterms 2000 复习计划巧安排?制定合理的复习计划，熟悉应试指南内容（480页）1.2.3.4.Documentary credits-an overview（8页）The sales agreement（28页）Documentary credits-types,uses and characteristics（98页）Parties to documentary credit transactions-roles and respo

42、nsibilities（38页）5.Issuance and amendment（24页）6.Transportation documents（102页）7.Other documents（46页）8.Presentation,examination and settlement/rejection（82页）9.Bank-to-bank reimbursements under documentary credits（28页）10.Related products（14页）11.Risk issues（12页）复习计划巧安排?重点复习 UCP 500 Chapter 3 Documentary

43、 credits-types,uses and characteristics Chapter 6 Transportation documents Chapter 9 Bank-to-bank reimbursements under documentary credits 复习计划巧安排?Chapter 3 Documentary credits-types,uses and characteristics?Types of Credits?Commercial Documentary Credits?Standby Letters of Credit?Types of payment?A

44、vailability and settlement methods?Assignment of Credit proceeds?Characteristics?Revocable?Irrevocable?Irrevocable confirmed?Transferable?Back to back(counter)?Clean?Advance payment(red clause)?Revolving and installment?Evergreen?Established under aid agreements?Inoperative 复习计划巧安排?Chapter 6 Transpo

45、rt Documents?Characteristics of Transport Documents?Marine/Ocean bill of lading?Non-negotiable sea waybill?Charter party bill of lading?Multimodal transport document?Air transport document?Road,rail or inland waterway transport documents?Courier and post receipts?Common characteristics?Life cycle of

46、 transport documents?Forwarders vs.carriers?Introduction to the Processing of Transport Documents under Documentary Credits and UCP500?Marine/Ocean bill of lading?Non-negotiable sea waybill?Charter party bill of lading?Multimodal transport document?Air transport document?Road,rail or inland waterway

47、 transport documents?Courier and post receipts 复习计划巧安排?Chapter 9 Bank-to-bank reimbursements under documentary credits?UCP and Bank-to-bank Reimbursements under Documentary Credits?Introduction?ICC working party for ICC Uniform Rules for bank-to-bank reimbursements under Documentary Credits?ICC Unif

48、orm Rules for Bank-to-bank Reimbursements under Documentary Credits?Introduction?Study of articles,including types,parties,issuance,documents and presentation?Disciplines prompted by SWIFT?Step by step guide?Problems 复习计划巧安排?比较复习 例如：INCOTERMS 2000 Transport Documents Transport Documents 以Article 23

49、Marine/Ocean Bill of Lading为例：?a port-to-port shipment?unless otherwise stipulated in the Credit?however named?on its face?signed or otherwise authenticated?loading on board?date of shipment?intended vessel?place of receipt or taking in charge different?full set?all of the terms and conditions of ca

50、rriage?charter parties-sail only?transhipment 应试技巧 顺序顺序 时间时间 做题做题 涂卡涂卡 铅笔铅笔 认真读题 I Ex.11:Delivery of goods has been made to the buyer on 08 October.The relevant documents were presented in order,including a CMR dated 15 days prior to delivery.The Documentary Credit terms state that payment is to be

51、effected 30 days after shipment.On which date will payment be made?(There are NO banking holidays and Saturdays and Sundays are NOT banking days.)A.Saturday 23 October.B.Monday 25 October.C.Saturday 06 November.D.Monday 08 November.认真读题 II Ex.12:In accordance with UCP,what is the maximum number of b

52、anking days(inclusive of presentation date)that a Confirming Bank is allowed to refuse the documents?A.One.B.Three.C.Seven.D.Eight.Explanation:Article 13 Standard for Examination of Documents b.The Issuing Bank,the Confirming Bank,if any,or a Nominated Bank acting on their behalf,shall each have a r

53、easonable time,not to exceed seven banking days following the day of receipt of the documents,to examine the documents and determine whether to take up or refuse the documents and to inform the party from which it received the documents accordingly.注意关键词 Ex.13:Which Documentary Credit enables a Bene

54、ficiary to obtain pre-shipment financing without impacting his facility?A.Transferable.B.Red Clause.C.Irrevocable,payable at sight.D.Confirmed Irrevocable,payable at maturity.Explanation:Advance Payment Credits（p.126）:At the sellers request the buyer may agree to make a part of the purchase price av

55、ailable to the seller as a pre shipment advance and further agree that such advance should be made from within the Credit issued.Historically,this clause appeared in bold red type in order to draw attention to the special advance,and for this reason such Credits were termed Red Clause Credits.排除法 I

56、Ex.14:A Marine Bill of Lading acts as:1.an acknowledgement of receipt of the goods by the carrier.2.evidence of a contract of carriage.3.a document of title for the goods.4.evidence of the contract between the seller and the forwarding agent.A.1 and 3 only.B.2 and 4 only.C.1,2 and 3 only.D.2,3 and 4

57、 only.排除法 II Ex.15:A Documentary Credit calls for presentation of an Insurance Certificate.Which of the following insurance documents would be acceptable for CIF shipment where the invoice valued is USD75,000.00?1.Insurance Certificate for USD82,500.00.2.Insurance Policy for USD85,000.00.3.Insurance

58、 Declaration under Open Cover for USD75,000.00.4.Insurance Certificate for USD75,000.00.A.1 and 2 only.B.1 and 3 only.C.2 and 3 only.D.3 and 4 only.Explanation I:Article 34 Insurance Documents f.ii.Unless otherwise stipulated in the Credit,the minimum amount for which the insurance document must ind

59、icate the insurance cover to have been effected is the CIF or CIP value of the goods,as the case ay be,plus 10%,but only when the CIF or CIP value can be determined from the documents on their face.Otherwise,banks ill accept as such minimum amount 110%of the amount for which payment,acceptance or ne

60、gotiation is request under the Credit,or 110%of the gross amount of the invoice,whichever is the greater.Explanation II:Article 34 Insurance Documents d.Unless otherwise stipulated in the Credit,banks will accept an insurance certificate or a declaration under an open cover pre-signed by insurance c

61、ompanies or underwriters or their agents.If a Credit specifically calls for an insurance certificate or a declaration under an open cover,banks will accept,in lieu thereof,an insurance policy.干扰项 Ex.16:The Confirming Bank receives documents on Friday 02 April and finds them to be in order on 05 Apri

62、l.Tenor is 30 days after the Bill of Lading date.The Bill of Lading is dated 01 April,and the Confirming Bank agrees to pay the Beneficiary immediately.On what date would the Confirming Bank expect to receive funds from the Issuing Bank?(There are NO bank holidays and Saturdays and Sundays are NOT banking days.)A.05 April.B.01 May.C.03 May.D.05 May.