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Insurance | | English term or phrase: uncleared effects/value | | Could anyone please help me with the term "uncleared effects/value " in the sentnece "drawings against uncleared effects/value dated transactions" please?Frist I'm confused by the gramma of this sentence, then, I'm not sure what it is about. It appear in the context of "controlling facilities" many thanks |
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| | Chinese translation:未清算存款 | Explanation:
刚才查了一下有关文献，该资料应该是同银行的业务有关的资料，我本人的理解为：
uncleared effect or value dated transaction
其中：uncleared effect 意思为“未结清的存款”， value dated transaction 意思为“到期交易”。
关于uncleared effect 的具体定义，http://www.businessdictionary.com/definition/uncleared-effec... 给出的定义如下所述：
uncleared effects
Definition
Checks and drafts that have been deposited by a bank's customer but have not completed the bank's clearing cycle: either they have not been paid by the drawee bank or the proceeds have not been credited to the customer's account. Also called uncollected funds or uncollected items.
uncleared effects is in the Accounting & Auditing and Banking, Commerce & Finance subjects.
uncleared effects appears in the definitions of the following terms: uncollected funds, uncollected items and uncleared check
为了更加深入地理解" uncleared effect" 的意思，可以参考另外一个同uncleared effect 有关的短语“uncleared interest" 的有关定义，两者可以结合起来理解。
Uncleared Interest
6.4 When you lodge cheques, drafts or postal money orders to your Account, the amount of the lodgement is shown on your Account on the day of the lodgement, however, at that time we may not have received value for them. We call such items 'uncleared effects' until we have received value.
6.5 You will not be entitled as of right to draw against cheques or other items, which are lodged to your Account while they are subject to the possibility of non-payment ('uncleared effects').
6.6 Payment by the Bank against uncleared effects will not give rise to any obligation on the Bank to do so on any subsequent occasion.
6.7 If you draw against 'uncleared effects' you may be liable to an uncleared interest charge. We calculate any uncleared interest each day at the applicable debit interest rate and charge it to your Account half yearly in accordance with Conditions 6.2 and 6.3 above.
对于 value dated transaction， 主要是参考花旗银行的翻译，相关内容可以参考下述网址：
http://203.208.39.99/search?q=cache:xftO2pLAGDYJ:www.asia.ci...
其中的例子为 “(including historical and future value dated transactions)”，花旗翻译为“包括历史交易及未到期之交易”。
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Alice yang
China
Local time: 07:13
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