IS-03(上).ppt

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1、International Settlement-BNUChapter 3 RemittanceLearning outcomesMethods,partiesandproceduresofremittanceAdvantagesanddisadvantagesofremittancePracticeofremittance(reimbursement)ThefunctionofremittanceininternationaltradeTheremittanceisthatthefundsflowinafavorabledirectiontothepaymentinstructionstra

2、nsmittedtherefrom.Thereverseremittanceisthatthefundsflowinacontrarydirectiontothepaymentinstructionstransmittedtherefrom.Remittance and reverse remittance逆汇逆汇顺汇顺汇1.GeneralDescription（1）DefinitionofainternationalbankremittanceAclient(payer)askshisbank(remittingbank),byoneofthetransfermethodsathisopti

3、ontosendasumofmoneytoitsbranchorcorrespondentoraccountingbank(payingbank)inanothercountryandinstructingthelattertopayacertainamountofmoneytoabeneficiary.汇出行汇出行汇款人汇款人收款人收款人汇入行汇入行（2）PartiesconcernedRemitterRemittingBankPayingBankPayeeRequestshisbanktoremitfundstoabeneficiaryinaforeigncurrency.Transfer

4、ringfundsattherequestofaremittertoitscorrespondentoritsbranchinanothercountryandinstructingthelattertopayacertainamountofmoneytoabeneficiary.Entrustedbytheremittingbanktopayacertainamountofmoneytoabeneficiary.Whoisaddressedtoreceivetheremittance.remitterremittingbankpayingbank Relationship between t

5、he partiesremittanceapplicationformRemittanceinstruction/cable/instrumentsTrustbusinessdepositor、depositorybankoverseasbranchcorrespondentbankaccountingbank|（3）Methodsandprocedures-TelegraphicTransfer(T/T)Remittingbanktransmittedinstructionstopayingbankbycable/telex/SWIFT.Diagram3.Cable/telex/SWIFT7

6、.Debitadvice1.T/Tapplication2.T/Treceipt4.Notifythebeneficiary6.Funds5.Signedforpayment-MailTransfer(M/T)Remittingbanktransmittedinstructionstopayingbankbyairmailofapaymentorderormailadvice.Diagram3.Paymentorderairmailadvice7.Debitadvice1.M/Tapplication2.M/Treceipt4.Notifythebeneficiary6.Funds5.Sign

7、edforpayment（3）Remittancebybankersdemanddraft(D/D)RemittingbankdrawabankersdraftonpayingbankorderingthelattertopayondemandthestatedamounttotheholderofthedraftDiagram7.Debitadvice1.D/Dapplication2.Bankersdemanddraft5.Presentthedraftforpayment6.Funds3.Bankersdemanddraft4.AdviceofBankersdemanddraft2.Ad

8、vantagesanddisadvantages（1）Advantages-D/D:Demanddraftisanegotiableinstrument,sothatitismoreconvenientinuseforpayment.-M/T:Bank-to-bankinstructionswithbanksresponsibleformakingpayments,soitisratherreliable;-T/T:Fastestwaytotransferfunds;Bank-to-bankinstructionswithbanksresponsibleformakingpayments,so

9、itisquitesafe,especiallywhenlargeamountistransferred.（2）DisadvantagesD/D:Remitterhimselfisresponsibleformailingthedemanddraft,itstransmissionisslowerthanthatofT/Tandcannotservethepurposeofquickpayment;Itispossibleforademanddrafttobelost,stolenordestroyed;Theremittingbankisreluctanttostoppaymentonadr

10、aftissuedbyitselfforthiswouldmeananactofdishonoronitspartwhichwillhaveanunfavorableeffectonitscredit-worthiness.Tostoppaymentonlostdraftistimeconsuming.M/T:Mailtransferordertobedelayedorlostinthepost,thuscausingdifficultyforitspayment;ItstransmissionisslowerthanthatofT/Tandcannotservethepurposeofqui

11、ckpayment;Thebeneficiarymustawaitnotificationfromthebankconcerned.T/T:ItismoreexpensiveascomparedwithM/TorD/D,butiftheamounttransferredislarge,theinterestcostwhichshouldbeotherwiseincurredduetotimedelaycanbesaved;Thebeneficiarymustawaitnotificationfromthebankconcerned.SummaryM/Tusuallymadebyindividu

12、alsforfamilymaintenance,cashgift,etc.T/Tisfavorabletotheseller,whocanspeeduptheturnoveroffunds,increasetheincomeofinterestsandavoidtheriskoffluctuationintheexchangerate.However,thesellershouldpreventthebuyerfromforcingthecontractualpricedownunderthepretextofbearingmoreexpenses.SWIFTcanprovidesthemem

13、berbankswithfaster,safer,cheaper,andmorereliablehandlingoftheircustomersstransactions.,Swiftness,reliability,safety,andinexpensivenessaremajoradvantagesoftransactionsbymeansofSWIFTmessages.3.PracticeofRemittanceInwardremittanceOutwardremittanceTheremittanceswhicharehandledbytheremittingbank.Theremit

14、tancewhichthosearehandledbypayingbank.(1)RemittingbanksprocedureTheremittingbank,attheremittersrequest,sendsM/Tadviceorpaymentorder(inM/T),oratelegramoratelexwithtestkeyenclosed(inT/T)tothepayingbankasapaymentauthorization,directingittoofferthefundstothepayeeonbehalfoftheremitter.RemittersApplicatio

15、n SWIFT/telex/cable/airmail/bankersdemanddraft汇汇出出行行的的处处理理1.1.审核汇款审核汇款申请书申请书2.2.审核外汇管理审核外汇管理规定中的文件规定中的文件3.3.收取收取汇汇款款 4.4.计计收收汇费汇费和和邮电费邮电费 汇款方式：电汇汇款方式：电汇(T/T)(T/T)、信汇、信汇(M/T)(M/T)、票汇票汇(D/D)(D/D)汇出货币及金额大小写汇出货币及金额大小写收款人全称和详细地址收款人全称和详细地址收款人银行（汇入行）及收款人账号收款人银行（汇入行）及收款人账号附言：进口合同号码、款项用途附言：进口合同号码、款项用途国外银行费用由

16、何方负担、授权银行借记汇款人账户国外银行费用由何方负担、授权银行借记汇款人账户国际收支申报表国际收支申报表 贸易进口付汇核销单贸易进口付汇核销单 进口付汇备案表进口付汇备案表 汇款有效凭证汇款有效凭证正本合同正本合同 发票发票进口进口/出口货物报关单出口货物报关单运输单据、保险单据运输单据、保险单据外汇现汇外汇现汇外汇现钞外汇现钞支票支票Remitters Application 中国建设银行汇出汇款申请书中国建设银行汇出汇款申请书 CHINA CONSTRUCTION BANKCHINA CONSTRUCTION BANK APPLICATION FOR REMITTANCE APPLICA

17、TION FOR REMITTANCE 年年 月月 日日 （建设银行盖章）（建设银行盖章）电汇电汇T/T T/T 信汇信汇M/T M/T 票汇票汇 D/DD/D汇款人附言：汇款人附言：REMARKS REMARKS 汇款人名称、地址或账号汇款人名称、地址或账号NAME OF REMITTERNAME OF REMITTER收款人地址、账号收款人地址、账号ADDRESS OF BENEFICIARYADDRESS OF BENEFICIARY收款人收款人NAME OF BENEFICIARYNAME OF BENEFICIARY汇出金额汇出金额AMOUNTAMOUNT货币货币兑换兑换汇款汇款用途

18、用途X X1.正确填列收款人全称、账号（必须注明收款人开户银行的交正确填列收款人全称、账号（必须注明收款人开户银行的交换行号）及开户银行英文名全称。换行号）及开户银行英文名全称。2.如企业在境外账户行办理汇款时，则应该在汇款申请书中如企业在境外账户行办理汇款时，则应该在汇款申请书中的收款人银行的代理行（的收款人银行的代理行（INTERMEDIARY INSTINTERMEDIARY INST）一栏填写开户银）一栏填写开户银行的相对应境外账户行名称。开户银行账户行资料可向开户银行的相对应境外账户行名称。开户银行账户行资料可向开户银行查询。行查询。3.收款人银行名称要准确，最好要有收款人银行名称要

19、准确，最好要有银行银行SWIFT号码号码4.收款人名称为开户银行名称。收款人名称为开户银行名称。5.收款人账号：收款人账号：A/C NOA/C NO：XXXX XXXX，（填写开户银行在境外账户，（填写开户银行在境外账户行的相对应的币种的有关账号）。行的相对应的币种的有关账号）。6.备注或附言中应注明实际的收款单位名称和账号（收款人备注或附言中应注明实际的收款单位名称和账号（收款人单位账号组成必须是行号单位账号组成必须是行号+收款人账号，收款人账号，A/C NOA/C NO：XXX-XXX-XXXXXXXXXXXXXX）。）。Remittingbankexaminetheapplication

20、ofremittanceT/T,M/T ADVICEBankers Demand DraftFM:(汇出行汇出行)TO:(汇入行汇入行)DATE(发电日期发电日期)TEST(密押密押)OURREFNO.(汇款编号汇款编号)NOANYCHARGESFORUS(我行不负担费用我行不负担费用)PAY(AMT)VALUE(DATE)TO(付款金额、起息日）付款金额、起息日）BENEFICIARY（收款人）（收款人）MESSAGE（汇款附言）（汇款附言）ORDER（汇款人）（汇款人）COVER（头寸拨付）（头寸拨付）Telex/cableCHARGESYOURCHARGESFORBENEFICIARY.

21、PayingBankPayeeTO:TO:THE CHASE MANHATTAN BANK N.A.,NEW YORKTHE CHASE MANHATTAN BANK N.A.,NEW YORKFM:FM:BANK OF CHINA,BEIJINGBANK OF CHINA,BEIJINGDATE:DATE:3030THTH SEP.,06 SEP.,06TESTTEST XXXX OUR XXXX OUR REF REF TT109900/96 PAY TT109900/96 PAY USD200,000.USD200,000.VALUE 30 SEP.06 VALUE 30 SEP.06

22、TO BANQUE NATIONAL DE TUNISIE TO BANQUE NATIONAL DE TUNISIE TUNIS FOR DEBIT OF A/C NO.Y10-0127-033254 OF TUNIS FOR DEBIT OF A/C NO.Y10-0127-033254 OF CORPORATION INTERNATIONAL DES EAUX ET DE ICORPORATION INTERNATIONAL DES EAUX ET DE IEL EL ECTRICTE DE CHINAECTRICTE DE CHINA MESSAGE REMIT FOR CUSTOMS

23、 MESSAGE REMIT FOR CUSTOMS DUTY ETC DUTY ETC ORDERORDER INTERNATIONAL WATER AND ELECTRIC INTERNATIONAL WATER AND ELECTRIC CORP.BEIJINGCORP.BEIJING YOUR YOUR CHARGES FOR BENEFICIARYCHARGES FOR BENEFICIARY COVERCOVER DEBIT US DEBIT US 汇入行汇入行汇出行汇出行发报日发报日密押密押业务备查号业务备查号汇款汇款金额金额汇款人汇款人收款人支付收款人支付汇入行费用汇入行费用头

24、寸划拨指示头寸划拨指示:借记我行借记我行(汇出行汇出行)账户账户TO TO BANQUE NATIONAL DE TUNISIE TUNISBANQUE NATIONAL DE TUNISIE TUNIS FOR FOR DEBIT OF DEBIT OF A/C NO.Y10-0127-033254 OFA/C NO.Y10-0127-033254 OF CORPORATION INTERNATIONAL DES EAUX ET DE CORPORATION INTERNATIONAL DES EAUX ET DE I IEL ECTRICTE DE CHINAEL ECTRICTE DE

25、CHINA收款人的账户行收款人的账户行收款人账号收款人账号收款人名称收款人名称BANQUE NATIONAL DE TUNISIE TUNISBANQUE NATIONAL DE TUNISIE TUNISA/C NO.Y10-0127-033254A/C NO.Y10-0127-033254CORPORATION INTERNATIONAL DES EAUX ET DECORPORATION INTERNATIONAL DES EAUX ET DEI IEL ECTRICTE DE CHINAEL ECTRICTE DE CHINA15Test key20Transaction refere

26、nce number(TRN)32A Value date,currency code,amount50Ordering customer52X Ordering bank53S Senders correspondent bank54S Receivers correspondent bank57S Account with bank59Beneficiary customer70Details of payment71A Details of charges72Bank to bank informationSWIFTMT100MT100 CUSTOMER TRANSFERDate9609

27、30Sent to CHAS US 33 REMChase manhattan new york n.y:20/transaction reference number TT109900/96:32A/value date,currency code,amount 96093USD200,000.00:50/ordering customer CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING:57/account with bank BANQUE NATIONAL DE TUNISIE TUNIS:59/beneficiary custom

28、er /Y10-0127-033254 CORPORATION INTERNATIONAL DES EAUX ET DE IELECTRICTE DE CHINE:70/details of paymentREMIT FOR CUSTOMS DUTY ETC:71A/details of charges FOR BENEFICIARY:72/bank to bank informationCOVER DEBIT US:20/transaction reference number TT109900/96:20/transaction reference number TT109900/96:3

29、2A/value date,currency code,amount:32A/value date,currency code,amount 960903USD200,000.00 960903USD200,000.00:50/ordering customer:50/ordering customer CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING:57/account with bank:57/account with bank B

30、ANQUE NATIONAL DE TUNISIE TUNIS BANQUE NATIONAL DE TUNISIE TUNIS:59/beneficiary customer:59/beneficiary customer /Y10-0127-033254 /Y10-0127-033254 CORPORATION INTERNATIONAL DES EAUX ET DE I CORPORATION INTERNATIONAL DES EAUX ET DE IELECTRICTE ELECTRICTE DE CHINEDE CHINE:70/details of payment:70/deta

31、ils of paymentREMIT FOR CUSTOMS DUTYREMIT FOR CUSTOMS DUTY:71A/details of charges:71A/details of charges FOR BENEFICIARY FOR BENEFICIARY:72/bank to bank information:72/bank to bank informationCOVER DEBIT USCOVER DEBIT US 中国银行广州分行中国银行广州分行 BANK OF CHINA,GUANGZHOU BRANCHBANK OF CHINA,GUANGZHOU BRANCH下列

32、汇款，请即照解。如有费用请下列汇款，请即照解。如有费用请 日期日期内扣。内扣。GuangzhouGuangzhou我已贷记你行账户。我已贷记你行账户。Please advise and effect the following Please advise and effect the following Payment Payment less your chargesless your charges if any.In if any.InCover,we have CREDITED your A/CCover,we have CREDITED your A/Cwith US.with US

33、.大写金额大写金额Amount in words:Amount in words:汇款人汇款人 附言附言By order of MessageBy order of Message 中国银行广州分行中国银行广州分行汇款人汇款人 For BANK OF CHINA,GUANGZHOU BRANCHFor BANK OF CHINA,GUANGZHOU BRANCH此致此致ToTo金额金额Amount收款人收款人To be paid to信汇号码信汇号码No.of Mail transferAirmailAdvice 中国银行支付委托书中国银行支付委托书 BANK OF CHINABANK OF

34、CHINA PAYMENT ORDER PAYMENT ORDER GuangZhou GuangZhou致致To支付委托书支付委托书No.of payment order收款人收款人To be paid to金额金额Amount大写金额大写金额Amount in words:汇款人汇款人 附言附言By order of Remarks You are authorized to debitOur account with you We have credited your A/C with us.PaymentOrder BANK OF CHINA This draft is valid f

35、or one NO.year from the date of issue AMOUNTTO:PAY TO THE SUM OF PAY AGAINST THIS DRAFT TO THE DEBIT OF OUR ACCOUNT BANK OF CHINA,TIANJINNot NegotiableNot Negotiable BankersDemandDraft银行即期汇票银行即期汇票Bankersdemanddraftdrawer：payee：drawee：RemittingbankexporterPayingbanktenor：sight(2)PayingbanksprocedureUndertelegraphictransfer,thepayingbank,havingreceivedthecableandverifiedthetestkey,willmakepaymenttothepayeeinaccordancewiththeinstruction,andwillgiveareplyofdebitadvicetotheremittingbankinlinewiththenostroaccountprocedurebetweenthetwocorrespondents.