SWIFT报文标准在支付业务中的应用.ppt

2019/11/11,SWIFT报文标准在支付业务中的应用,运营服务总部（收付清算） 2011年6月21日,1,2,Category 1 客户汇款与支票CUSTOMER PAYMENT & CHEQUES Category 2 银行头寸调拨FINANCIAL INSTITUTION TRANSFERS Category 3 外汇买卖、货币市场及衍生工具FOREIGN EXCHANGE, MONEY MARKETS & DEVIRATIVES Category 4 托收COLLECTIONS & CASH LETTERS Category 5 证券业务SECURITIES MARKETS Category 6 银团贷款和贵金属业务PRECIOUS METALS & SYNDICATIONS Category 7 跟单信用证和保函DOCUMENTARY CREDIT & GUARANTEES Category 8 旅行支票TRAVELLERS CHEQUES Category 9 银行和客户账务CASH MANAGEMENT & CUSTOMER STATUS Category 0 SWIFT系统报文SYSTEM MESSAGES,3,交流内容,4,4,报文由汇款行或接受汇款委托的银行直接或通过代理行发送给另一家银行，用来发送付款指令的报文格式。,MT103单笔客户汇款,4,4,-|,M=Mandatory O=Optional,5,案例一,Bike 4U是的苏黎世的自行车进口商，该公司向纽约一家大供应商Silver Wings订购了一批儿童踏板车。 Bikes 4U的账户行为苏黎世的UBS AG（UBSWCHZH），Silver Wings的账户行为纽约Citibank（CITIUS33)。 Bikes 4U指示其账户行将款项汇到收款人的账户行，汇款金额为USD99,000，发票号码为6789。,6,Bikes 4U, Zurich UBSWCHZH CITIUS33 Silver Wings, New York,MT103,7,50a：汇款人,选项50A /34x 4!a2!a2!c,选项50F 35x 4*35X,选项50K /34x 4*35X,8,50a：汇款人,格式一： /34x 1!n/33x,格式二： 4!a/2!a/27x 1!n/33x,选项50F 35x 4*35X,10,数字代码： 付款人名称 地址 国家和城市 生日 出生地 客户识别号码 公民身份号码 附加信息,代码词： ARUN 国外注册号 CCPT 护照号码 CUST 客户识别号码 DRLC 驾照号码 EMPL 雇主号码 IBEI 国际商业实体标识 NIDN 公民身份号码 SOSE 社会保险号码 TXID 纳税标识号码,9,50F：/12345678 1/SMITH JOHN 2/299，PARK AVENUE 3/US/NEW YORK，NY 10017,50F：DRLC/BE/BRUSSELS/NB0949042 1/DUPONT JACQUES 2/HIGH STREET 6，APT 6C 3/BE/BRUSSELS,50F：CUST/DE/ABC BANK/123456789/8-123456 1/MAIN GEORG 2/LOW STREET 7 3/DE/FRANKFURT 8/7890,10,59a：收款人,选项59A /34x 4!a2!a2!c,选项59 /34x 4*35X,Sender UBSWCHZH Message Type 103 Receiver CITIUS33,11,M Senders reference 20:PAY/001 M Bank Operation Code 23B:CRED O Instruction Code 23E:PHOB/2124551800 M Value Date, Ccy, Interbank Sett Amt 32A:110313USD99000, M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH M Beneficiary Customer 59: /1234567890 SILVER WINGS 42ND STREET NEW YORK, NY 10022 O Remittance Information 70: /INV/6789 M Details of Charges 71A: SHA TRAILER(S),12,23E：指示代码,CHQB 通过支票付款。使用CHQB，59栏位不能放入账号。 CORT 公司之间贸易结算的付款。 INTC 同一集团内部两个公司之间的付款。 SDVA 付款日也是起息日。汇款必须在同一天交到收款人手里。,HOLD 前来取款，验明身份后付款。 REPA 是关于电子支付参号下的付款。 PHON 请电话通知帐户人。 PHOB 请电话通知收款人。 PHOI 请电话通知中间行。 TELE 请用最有效的通讯方式通知帐户行。 TELB 请用最有效的通讯方式通知收款人。 TELI 请用最有效的通讯方式通知中间行。,13,70：汇款信息,格式：4*35x,代码词 INV 发票信息，后跟日期、参号和发票详情。 IPI 标识相关国际付款指令的唯一参号 RFB 收款人参号 ROC 汇款人参号 TSU TSU交易参号，代码字放在两个斜线之间，后跟发票号、单斜线、支付的金额。,14,假设进口商Bikes 4U指示UBS AG, Zurich向出口商Silver Wings支付瑞士法郎，金额为CHF108,000。 UBS与Citibank之间有直接账户关系。,案例二,Sender UBSWCHZH Message Type 103 Receiver CITIUS33,15,M Senders reference 20:PAY/002 M Bank Operation Code 23B:CRED O Instruction Code 23E:PHOB/2124551800 M Value Date, Ccy, Interbank Sett Amt 32A:110313CHF108000, M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH M Beneficiary Customer 59: /1234567890 SILVER WINGS 42ND STREET NEW YORK, NY 10022 O Remittance Information 70: /INV/6789 M Details of Charges 71A: SHA TRAILER(S),16,MT103的货币符号指明了支付（借记/贷记）的方向： 付款指令，授权借记 付款指令，贷记证实,17,Silver Wings在法国巴黎设有分公司，Bikes 4U向Silver Wings的巴黎分公司以同样的价格购买另一批儿童踏板车。Silver Wings做促销活动，要求Bikes 4U在2011年3月底前先支付CHF5,000押金，付款信息中列明“special offer”。 Bikes 4U指示其账户行 UBS AG，Zurich向Silver Wings 的欧元账户行Societe Generale，Paris（SOGEFRPP）汇款CHF5,000。 UBS AG在SOGEFRPP开立欧元账户。,1 EUR=1,61CHF 5,000 CHF *0,61988=3099,42 EUR,案例三,18,Bikes 4U, Zurich UBSWCHZH SOGEFRPP Silver Wings, Paris,MT103,19,Sender UBSWCHZH Message Type 103 Receiver SOGEFRPP M Senders reference 20:PAY/003 M Bank Operation Code 23B:CRED M Value Date, Ccy, Interbank Sett Amt 32A:110313EUR3099,42 O Currency/Instructed Amount 33B:CHF5000, O Exchange Rate 36:0,61988 M Ordering Customer 50K: /CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH M Beneficiary Customer 59: /FR7691000016600000090130601 SILVER WINGS 36 AVENUE DES CHAMPS ELYSEES 75002 PARIS O Remittance Information 70: /RFB/ SPECIAL OFFER M Details of Charges 71A: SHA,20,如果报文中有71F或71G栏位，则33B必选。 如果收报行和发报行BIC中的国家代字同时包含在下列清单中，则33B必选。,33B：汇款人指示的币种和金额,21,Silver Wings在墨西哥有分公司。 Bikes 4U指示其账户行UBS AG，Zurich（UBSWCHZH) 向Silver Wings在Banco De Mexico， Mexico（BDEMMXMM）的美元账户行汇款，金额为USD25,000。 UBS AG美元代理行是Citibank，New York（CITIUS33），支付的发票号码为AZV1470。 款项到帐后，要求以最有效的通讯方式通知收款人Silver Wings。 费用由交易双方各自承担。,案例四,Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，Mexico,22,MT103,23,57a：帐户行,选项57A /1!a/34x 4!a2!a2!c3!a,选项57B /1!a/34x 35x,选项57C /34x,选项57D /1!a/34x 4*35x,24,Sender UBSWCHZH Message Type 103 Receiver CITIUS33,M Senders reference 20:PAY/004 M Bank Operation Code 23B:CRED O Instruction Code 23E:TELB M Value Date, Ccy, Interbank Sett Amt 32A:110313USD25000, M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH O Account with Institution 57A:BDEMMXMM M Beneficiary Customer 59: /33225678 SILVER WINGS PASEO DE LA REFORMA 116 06600 MEXICO O Remittance Information 70: /INV/AZV1470 M Details of Charges 71A: SHA TRAILER(S),25,纽约Citibank收到此笔MT103汇款指令后，继续将汇款指令传递给下一家银行。 CITIUS33收取USD12费用。,Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，Mexico,MT103,26,52a：汇款行,选项52A /1!a/34x 4!a2!a2!c3!a,选项52D /1!a/34x 4*35x,27,Sender CITIUS33 Message Type 103 Receiver BDEMMXMM,M Senders reference 20:CUS/9232 M Bank Operation Code 23B:CRED O Instruction Code 23E:TELB M Value Date, Ccy, Interbank Sett Amt 32A:110313USD24988, O Currency/instructed Amount 33B:USD25000， M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH O Ordering Institution 52A:UBSWCHZH M Beneficiary Customer 59: /33225678 SILVER WINGS PASEO DE LA REFORMA 116 06600 MEXICO O Remittance Information 70: /INV/AZV1470 M Details of Charges 71A: SHA O Seders Charges 71F:USD12,CITIUS33收取USD12费用,28,71A：费用细则,SHA 交易中发报行方面的收费由汇款人承担，收款人承担收报行的费用。 OUR 交易中双方的收费均由汇款人承担。 BEN 交易中双方的收费均有收款人承担。,29,Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，Mexico,MT103,MT103,SHA,OUR,BEN,30,71F：发报行的收费,71G：收报行的收费,31,如果本案例中由汇款人支付所有费用。 CITIUS33的费用为USD12。 由于BDEMMXMM与UBS AG之间没有账户关系，因此UBS AG当前不知道BDEMMXMM的收费情况。,Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，Mexico,32,MT103,OUR,33,Sender UBSWCHZH Message Type 103 Receiver CITIUS33,M Senders reference 20:PAY/004 M Bank Operation Code 23B:CRED O Instruction Code 23E:TELB M Value Date, Ccy, Interbank Sett Amt 32A:110313USD25012, O Currency/Instructed Amount 33B:USD25000, M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH O Account with Institution 57A:BDEMMXMM M Beneficiary Customer 59: /33225678 SILVER WINGS PASEO DE LA REFORMA 116 06600 MEXICO O Remittance Information 70: /INV/AZV1470 M Details of Charges 71A: OUR O Details of Charges 71G:USD12，,Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，Mexico,34,MT103,BEN,假设费用由收款人支付： UBSWCHZH收费US20 CITIUS33收费USD12 BDEMMXMM收费USD11,35,Sender UBSWCHZH Message Type 103 Receiver CITIUS33,M Senders reference 20:PAY/004 M Bank Operation Code 23B:CRED O Instruction Code 23E:TELB M Value Date, Ccy, Interbank Sett Amt 32A:110313USD24980, O Currency/Instructed Amount 33B:USD25000, M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH O Account with Institution 57A:BDEMMXMM M Beneficiary Customer 59: /33225678 SILVER WINGS PASEO DE LA REFORMA 116 06600 MEXICO O Remittance Information 70: /INV/AZV1470 M Details of Charges 71A: BEN O Details of Charges 71F:USD20，,36,Sender CITIUS33 Message Type 103 Receiver BDEMMXMM,M Senders reference 20:CUS/9232 M Bank Operation Code 23B:CRED O Instruction Code 23E:TELB M Value Date, Ccy, Interbank Sett Amt 32A:110313USD24968, M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH O Account with Institution 52A:UBSWCHZH M Beneficiary Customer 59A: /33225678 WINGMXMM O Remittance Information 70: /INV/AZV1470 M Details of Charges 71A: BEN O Details of Charges 71F:USD20， O Details of Charges 71F:USD12， TRAILER(S),37,Klaus Ziegler是Bikes 4U的总裁，计划到泰国度假。 Klaus指示UBS AG Zurich（UBSWCHZH）汇款USD3,500给自己，款项汇到曼谷的Kasikornbank Public Company Limited （KASITHBK）。Klaus届时凭借其护照支取款项（护照号码：V631006）。 Klaus指示银行自己作为收款人收取款项时支付银行费用。 UBS AG的美元账户行是Barclays Bank Plc， New York（BARCUS33），并且KASITHBK在纽约的Bank of New York（IRVTUS3N）开立美元账户。,案例五,Klaus Ziegler UBSWCHZH BARCUS33 IRVTUS3N KASITHBK Klaus Ziegler,38,MT103,39,56a：中间行,选项56A /1!a/34x 4!a2!a2!c3!a,选项56D /1!a/34x 4*35x,选项56C /34x,40,Sender UBSWCHZH Message Type 103 Receiver BARCUS33,M Senders reference 20:PAY/005 M Bank Operation Code 23B:CRED O Instruction Code 23E:HOLD/SWISS PASSPORT NO.V631006 M Value Date, Ccy, Interbank Sett Amt 32A:110313USD3480, O Currency/Instructed Amount 33B:USD3500, M Ordering Customer 50K: / CH9300761234567890123 KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICH O Intermediary Institution 56A:IRVTUS3N O Account with Institution 57A:KASITHBK M Beneficiary Customer 59: KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICH M Details of Charges 71A: BEN O Details of Charges 71F:USD20， TRAILER(S),Klaus Ziegler UBSWCHZH BARCUS33 IRVTUS3N KASITHBK Klaus Ziegler,41,MT103,BARCUS33收取费用USD15。,42,Sender BARCCUS33 Message Type 103 Receiver IRVTUS3N,M Senders reference 20:12345 M Bank Operation Code 23B:CRED O Instruction Code 23E:HOLD/SWISS PASSPORT NO.V631006 M Value Date, Ccy, Interbank Sett Amt 32A:110313USD3465, O Currency/Instructed Amount 33B:USD3500, M Ordering Customer 50K: / CH9300761234567890123 KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICH O Intermediary Institution 52A:UBSWCHZH O Account with Institution 57A:KASITHBK M Beneficiary Customer 59: KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICH M Details of Charges 71A: BEN O Details of Charges 71F:USD20， O Details of Charges 71F:USD15，,Klaus Ziegler UBSWCHZH BARCUS33 IRVTUS3N KASITHBK Klaus Ziegler,43,MT103,IRVTUS3N收取费用USD20。,44,Sender IRVTUS3N Message Type 103 Receiver KASITHBK,M Senders reference 20:PT456 M Bank Operation Code 23B:CRED O Instruction Code 23E:HOLD/SWISS PASSPORT NO.V631006 M Value Date, Ccy, Interbank Sett Amt 32A:110313USD3445, O Currency/Instructed Amount 33B:USD3500, M Ordering Customer 50K: / CH9300761234567890123 O Intermediary Institution 52A:UBSWCHZH M Beneficiary Customer 59: KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICH M Details of Charges 71A: BEN O Details of Charges 71F:USD20， O Details of Charges 71F:USD15， O Details of Charges 71F:USD20， O Sender to Receiver Information 72:/INS/BARCUS33,45,72：发报行给收报行的信息,ACC 给账户行的附言 INT 给中间行的附言 REC 给收报行的附言 INS 指示行，该指示行要求发报行完成该交易。,46,SERIAL,COVER,MT103,MT103,MT202COV,MT103,47,Silver Wings在伊斯坦布尔开有分公司。 苏黎世的Bikes 4U指示其账户行UBS AG，Zurich（UBSWCHZH）汇款给Silver Wings伊斯坦布尔分公司，汇款金额为EUR100,000，该分公司的欧元账户行是伊斯坦布尔的Arab Turkish Bank（ATUBTRIS）。 UBS AG，Zurich向Arab Turkish Bank，Istanbul发送欧元汇款指令，但收发报行之间没有直接账户关系，需要中间代理行。 UBS AG和Arab Turkish Bank使用共同的代理行Societe Generale， Paris（SOGEFRPP）。,案例六,Bikes 4U，Zurich UBSWCHZH SOGEFRPP ATUBTRIS Silver Wings，Istanbul,48,MT103,49,53a：发报行的代理行,选项53A /1!a/34x 4!a2!a2!c3!a,选项53D /1!a/34x 4*35x,选项53B /1!a/34x 35x,50,Sender UBSWCHZH Message Type 103 Receiver ATUBTRIS,M Senders reference 20:PAY/006 M Bank Operation Code 23B:CRED M Value Date, Ccy, Interbank Sett Amt 32A:110313EUR100000, O Currency/Instructed Amount 33B:EUR100000, M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH O Intermediary Institution 53A:SOGEFRPP M Beneficiary Customer 59: /TR330006100519786457841326 SILVER WINGS VALIKONAGI CADESSI 10 34367 ISTANBUL O Remittance Information 70:/INV/3233/4529/5331 M Details of Charges 71A: SHA TRAILER(S),Bikes 4U，Zurich UBSWCHZH SOGEFRPP ATUBTRIS Silver Wings，Istanbul,51,MT103,MT202COV,Sender UBSWCHZH Message Type 202COV Receiver SOGEFRPP,52,M Senders reference 20:PAY/012 M Related Reference 21: PAY/006 M Value Date, Ccy Code, Amt 32A:110313EUR100000, M Beneficiary Institution 58A: ATUBTRIS,M Ordering Customer 50F: /008239345602 1/BIKES 4U 2/160 TWO EXCHANGE SQUARE 3/HK/CENTRAL M Beneficiary Customer 59: /NL1234567892145639874 SILVER WINGS PARKLAAN 7 3016 BA ROTTERDAM,假设Arab Turkish Bank与UBS AG使用各自的欧元代理行，即Arab Turkish Bank的欧元帐户行是Banque Paribas，Paris（BNPAFRPP），UBS AG的欧元帐户行是Societe Generate Paris（SOGEFRPP）。,案例七,53,Bikes 4U，Zurich UBSWCHZH SOGEFRPP BNPAFRPP ATUBTRIS Silver Wings，Istanbul,54,MT103,55,54a：收报行的代理行,选项54A /1!a/34x 4!a2!a2!c3!a,选项54D /1!a/34x 4*35x,选项54B /1!a/34x 35x,Sender UBSWCHZH Message Type 103 Receiver ATUBTRIS,56,M Senders reference 20:PAY/007 M Bank Operation Code 23B:CRED M Value Date, Ccy, Interbank Sett Amt 32A:110313EUR100000, O Currency/Instructed Amount 33B:EUR100000, M Ordering Customer 50K: /CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICH O Intermediary institution 53A:SOGEFRPP O Account with institution 54A:BNPAFRPP M Beneficiary Customer 59: /TR330006100519786457841326 SILVER WINGS VALKANOGI CADDESI 10 34367 ISTANBUL O Remittance Information 70:/INV/3233/4529/5331 M Details of Charges 71A: SHA,Bikes 4U，Zurich UBSWCHZH SOGEFRPP BNPAFRPP ATUBTRIS Silver Wings，Istanbul,57,MT103,MT202COV,Sender UBSWCHZH Message Type 202COV Receiver SOGEFRPP,58,M Senders reference 20:PAY/014 M Related Reference 21: PAY/007 M Value Date, Ccy Code, Amt 32A:110313EUR100000, O Account with Institution 57A:BNPAFRPP M Beneficiary Institution 58A: ATUBTRIS,M Ordering Customer 50F: /008239345602 1/BIKES 4U 2/160 TWO EXCHANGE SQUARE 3/HK/CENTRAL M Beneficiary Customer 59: /NL1234567892145639874 SILVER WINGS PARKLAAN 7 3016 BA ROTTERDAM,59,Bikes 4U在香港新设立了新的分公司，Silver Wings也在荷兰阿姆斯特丹设立了分公司。 Bikes 4U的香港分公司从Silver Wings阿姆斯特丹的分公司进口儿童脚踏车。 Bikes 4U指示其帐户行Standard Chartered Bank，Hong Kong（SCBLHKHH）汇款USD11,000给Silver Wings在GE Artesia Bank，Rotterdam Branch（ARTENL2AROT)的帐户，账号为NL1234567892145639874。发票号码为CHE/123/ROHK。 Standard Chartered Bank发送MT103客户汇款指令给GE Artesia Bank，Rotterdam，同时将头寸划拨给自己的美元帐户行Bank of New York （IRVTUS3N）。 GE Artesia Bank在鹿特丹所有的外币帐户都开在阿姆斯特丹的总部（ARTENL2A），其总部的美元帐户行是Credit Suisse First Boston New York （CRESUS33)。 费用由汇款人和收款人各自承担。,案例八,Bikes 4U，Hong Kong SCBLHKHH IRVTUS3N CRESUS33 ARTENL2A ARTENL2AROT Silver Wings，Rotterdam,60,MT103,MT202COV,Sender SCBLHKHH Message Type 103 Receiver ARTENL2AROT,61,M Senders reference 20:PAY/008 M Bank Operation Code 23B:CRED M Value Date, Ccy, Interbank Sett Amt 32A:110313USD11000, M Ordering Customer 50F: /008239345602 1/BIKES 4U 2/160 TWO EXCHANGE SQUARE 3/HK/CENTRAL O Senders Correspondent 53A:IRVTUS3N O Receivers Correspondent 54A:CRESUS33 O Third Reimbursement Institution 55A:ARTENL2A M Beneficiary Customer 59: /NL1234567892145639874 SILVER WINGS PARKLAAN 7 3016 BA ROTTERDAM O Remittance Information 70:/INV/CHE/123/ROHK M Details of Charges 71A: SHA,提高业务直通式（STP）处理：,正确使用SWIFT报文栏位的格式选项。 尽量使用格式化选项，如BIC、清算系统代码、代码词等。 从客户方获得准确的汇款信息。,62,65,66,67,Bikes 4U，Hong Kong SCBLHKHH IRVTUS3N CRESUS33 ARTENL2A ARTENL2AROT Silver Wings，Rotterdam,MT103,MT202COV,71,该报文格式由付款行或代表付款行的银行直接或通过代理行发送给收款行的银行，MT202COV仅用于通过COVER付款方式的客户汇款下的头寸调拨，其他方式下的银行间头寸调拨不能使用MT202COV报文格式