国际结算实验二汇款结算业务

1、实验素材一、汇款申请书      2003年3月8日，CHINA NAT. METALS & MINERALS I/E CORP.向中国农业银行广州市分行提交下面这张汇款申请书，汇出行按所给问题审核汇款申请书。汇出汇款申请书(代支款凭证)APPLICATION FOR OUTWARD REMITTANCE致：中国农业银行   广州   分行TO:THE AGRICULTURAL BANK OF CHINA 日期 DATE: 2003年3月8日兹委托贵行办理下列汇款。I

2、/We hereby request you to effect the following remittance电汇 信汇 票汇 付款地点    T/T     M/T    D/D   Drawn on银行编号（查询时请引述）Ref No. TT96785收款人Beneficiary's nameUnited Trading CompanyHong Kong币别及金额Curr.& Amt.及地址& address70

3、Wing Tai Road, Chai Wan Hong KongHK Dollars 20,000.00账号A/C No.0709166060322-8银行填写栏BANK USE ONLY收款银行Beneficiary's BankPO SANG BANK LTD汇率(Rate) 及地址& addressHONG KONG等值人民币Equivalent in ¥ 汇款人By order ofCHINA NAT. METALS & MINERALS I/E CORP.手续费(Commission) 附言Details of Pay

4、mentCOMM. UNDER S/C NO. CT0011-01邮电费(Postage & Cable) 其他费用(Other Charges) 合计 国外银行的一切费用由我方/收款人负担（如无说明由收款人负担）。汇款全过程均以电传形式通知。All foreign banks charges are to be borne by us/payee(if not specified, all charges are to be borne by payee).  All parties in the channel are advise

5、d by telex.请付敝账(Debit my/our account)，账号(a/c No.)兹附支票(Enclose my/our cheque)，号码为(No.)付款行(Drawn on)现金支付(I/We pay cash herewith)， 联系电话(TEL) 83738789 申请人签章张青Applicant's Stamp & Signature                

6、60;                                                经办： 

7、    会计：       复核：       记账：        (1)汇款方式电汇(2)汇款人公司名称CHINA NAT. METALS & MINERALS I/E CORP.(3)收款人公司名称、地址United Trading Company , Hong Kong(4)汇款金额HKD 20,000.00(5)款项用途COMM. UNDER S/C NO. CT001

8、1-01(6)银行费用由哪方支付国外银行的一切费用由收款人负担(7)汇款当日港币现钞价为105.53/91，港币现汇价为109.46/87，汇款人应提交多少港币现钞给银行20,000.00*1.0987 = 2197.4(8)银行在哪些情况下可免责有关电汇汇款的一切电文，本行可用显白言语、暗码或密码发出，对于代理行或同业之一切错误、疏忽或过失，本行概不负责。倘若因下列情况而引致之任何损失，包括：款项交付或通知延误，书函、电报或其他文件在寄发或传送途中遗失、残缺、错误、遗漏、中断或延误，代理行或同业之行为，战争、检查、封锁、叛变或骚乱，本地或外国政府或其他行政机构所实施之一切法律、规定、条例、管

9、制及其他难以控制之事故，或由于收到时误解，本行概不负责。(9)在我国现行外汇管理规定下，汇款人办理汇款业务时应注意哪些事项此款项如需更改或取消，汇款人应亲自携带身份证明文件和汇款收据到汇出行办理，并需候汇出行接到外国同业通知证明汇款已取消，及根据外国同业实际退回之款项，依照汇出行当日买入价折算退回汇款人。汇出行有权要求汇款人负担所有因此而引致之费用。所有电报费、邮费及佣金束不退还。汇款人应注意代理行可能收取不同之费用，一切费用由收款人支付，但本行有权要求汇款人赔偿所有因汇款而引起之一切费用。除遗失汇票外，汇出行不受理停止支付。倘一经接受，汇出行有权要求汇款人赔偿所有因汇款而引起之一切费用。如汇

10、款系代汇款人寄出，汇出行不付邮误之责。如因操作情况所需，汇出行保留权利于汇款人指定地点以外不同地点支付汇款。如需要，汇款人须向银行出示有关身份证明文件。请保留好汇款收据，以便查询。二、电汇中的汇款电文      （一）汇出行与汇入行根据电汇中所给汇出汇款和汇入汇款电文，将汇款业务指示内容填列出来。      1.电文一：汇出汇款FM: HONGKONG AND SHANGHAI BANKING CORPORATION LTD. HONG KONGTO: THE AGRICULTURAL BANK

11、 OF CHINA GUANGZHOU DATE: 8TH JUNE TEST 2876A OUR REF TT200498 PLS PAY HKD34000.  VALUE 8 JUNE TO ACCOUNT NO.764583934-128 FAVOUR PRECISION PHOTO EQUIPMENT LTD. JINXING BUILDING 22 GUANGZHOU MESSAGE COMM. UNDER S/C NO. 87364 ORDER COVER WE HAVE CREDITED YOUR ACCOUNT WITH US. 

12、;     2.电文二：汇入汇款.PCBCCNBJ.BOFAUS3N MT100 CUSTOMER TRANSFERTRANS REF VAL/CUR/AMOUNT  ORDERING CUSTOMER  ORDERING BANK ACCOUNT WITH BENEFICIARYDETAILS OF PMT DETAILS OF CHARGES BANK TO BANK INF :20: 180TT09266:32A: 990712:50, U

13、SD31,681.00:50: United Prosperity Enterprise, Inc,   Tortol; British Virgin Islands:52: Midland Bank Ltd., London:57A: BK OF CHINA :59: Huayu Engine Manufacturing Co. Ltd:70: Contract GH680-23:71A: BEN:72: REIBURSE WITH BK OF NKY NY      3.电文三：汇入汇款FM: BANK OF

14、AMERICA, NEW YORKTO: INDUSTRIAL AND COMMERCIAL BANK OF CHINA，GUANGDONG BRANCHDATE: 14 OCT.TEST 87593 OUR REF TT10908-04 PLS PAY USD38,000.00VALUE 14, OCT. TO GUANGDONG CEREALS OIL AND FOODSTUFFS I/E GROUP CORP. VIA A/C NO.310910079 BEING PROCEEDS UNDER S/C NO.CT89768 ORDER WIN FOOD CO. LTD. COV

15、ER CREDITED YOUR H.O. ACCOUNT.电文一电文二电文三(1)汇出行HONGKONG AND SHANGHAI BANKING CORPORATION LTD. HONG KONGMidland Bank Ltd., LondonBANK OF AMERICA, NEW YORK(2)汇入行THE AGRICULTURAL BANK OF CHINA GUANGZHOUPCBCCNBJINDUSTRIAL AND COMMERCIAL BANK OF CHINA，GUANGDONG BRANCH(3)发电日期8TH JUNE990712 14TH , OCT(4)密押、汇

16、款编号TEST 2876A OUR REF TT200498 180TT09266TEST 87593 OUR REF TT10908-04(5)汇款金额、起息时间HKD34000,VALUE 8 JUNEUSD31,681.00USD38000. VALUE 14, OCT.(6)收款人PRECISION PHOTO EQUIPMENT LTD. JINXING BUILDING 22 GUANGZHOUHuayu Engine Manufacturing Co. Ltd.GUANGDONG CEREALS OIL N FOODSTUFFS I/E GROUP CORP.(7)附言COMM.

17、 UNDER S/C NO. 87364Contract GH680-23BEING PROCEEDS UNDER S/C NO. CT89768(8)汇款人United Prosperity Enterprise, Inc, Tortol; British Virgin IslandsWIN FOOD CO. LTD.(9)头寸划拨WE HAVE CREDITED YOUR ACCOUNT WITH US.REIBURSE WITH BK OF NKY NYCREDITED YOUR H.O. ACCOUNT      （二）中国农业银行广州

18、市分行接受CHINA NAT. METALS & MINERALS I/E CORP.的汇款申请，于2003年3月8日发送汇款电文。其中，汇入行是PO SANG BANK LTD. , HONG KONG，汇出行在汇入行开立有港币存款账户，费用由受益人承担。 FM:  Agricultural Bank of China, Guangzhou  TO:   PO SANG BANK LTD. , HONG KONG  DATE： 8th, Mar., 2003 

19、60; TEST                                           OUR REF NO.   

20、                                         NO ANY CHARGES FOR USPAY   HKD20,000.00

21、        VALUE  8th, Mar.   TO   United Trading Company Hong Kong     FOR CREDITING ACCOUNT NO.  0709166060322-8    MESSAGE  COMM. UNDER S/C NO. CT0011-01&#

22、160; ORDER   CHINA NAT. METALS & MINERALS I/E CORP     COVER   Please debit our account with you.        （三）中国农业银行广州市分行采用SWIFT MT100汇款格式，将电报内容输入电脑发送至汇入行PO SANG BANK LTD., HONG KONG。 TO: PO SANG BA

23、NK LTD. , HONG KONGFM: Agricultural Bank of China, GuangzhouMT100 CUSTOMER TRANSFER:20 TRANS REF NO.:32A VAL/CUR/AMOUNT:50 ORDERING CUSTOMER. :52A ORDERING BANK.:53A SENDER'S CORRESPONDENT BANK.:54A RECEIVER'S CORRESPONDENT BANK.:56 INTERMEDIARY BANK.:57A ACCOUNT WITH BANK:59 BENEFICIAR

24、Y:70 DETAILS OF PAYMENT:71A DETAILS OF CHARGES:72 BANK TO BANK INFORMATION:_:_ 20030308 HKD20,000.00 _: CHINA NAT. METALS & MINERALS I/E CORP _ :Agricultural Bank of China, Guangzhou :_:_:_:_:_:_ PO SANG BANK LTD., HONG KONG :_ United Trading Company Hong Kong :_ COMM. UNDER S/C NO. CT0011-01_:_

25、 Ben._: Please debit our account with you.三、信汇中的委托书和支付授权书     （一）汇出行Industrial and Commercial Bank of China, Shangdong根据业务内容，填写支付授权书。      Date:15 Sept., 2002；Paying Bank: Hongkong and Shanghai Banking Corp. Ltd., Hong Kong; Ref No. MT28376; Amount:

26、HKD30,000.00；Cover: Please debit our A/C with you；Message: Commission under S/C NO.FB9768；Payee: Win Food Company, Ltd., Hong Kong；Remitter: Shangdong Cereals Oil & Foodstuffs I&E Group Corp.Industrial and Commercial Bank of ChinaShangdongPAYMENT ORDER       

27、60;                                         Date: 15th ,Sept., 2002 TO Hongkong and Shanghai Banking Corp. Ltd., Ho

28、ng Kong No. of payment orderTo be paid or credited toAmount MT28376 Win Food Company, Ltd., Hong Kong HKD30,000.00Amount in words:   THIRTY THOUSAND HK DOLLARS  By order of Shangdong Cereals Oil & Foodstuffs I&E Group Corp Remarks You ar

29、e authorized to debit our account with you. We have credited your A/C with us.  Funds remitted to you via Industrial and Commercial Bank of China      （二）1999年3月18日，中国银行广州分行收到中国银行香港分行信汇委托书，中国银行广州分行按信汇委托书所示内容对其进行审核。中国银行香港分行BANK OF CHINA, HONG KONG BRANCH下列汇款，请即解付，如有

30、费用请内扣。             日期：15, March, 1999 , Guangzhou我已贷记你行账户。Please advise and effect the following payment less your charges if any. In cover, we have credited youraccount with us.此致TO BANK OF CHINA，GUANGZHOU  信汇号码No. of M

31、ail transfer收款人To be paid to金额Amount MT992568Ruiqi Garment Co. Ltd., Guangzhoua/c No. 34568-113HKD200,000.00  大写金额Amount in Words: H.K. Dollars Two Hundred Thousand附言: Being Proceeds under S/C汇款人 Message No. 99CC03026By order of Universal Garment Imp. & Exp. Co.   &

32、#160;                   Hong Kong中 国 银 行 香 港 分 行     BANK OF CHINA, HONG KONG (1)汇出行BANK OFCHINA, HONG KONG(2)汇入行BANK OF CHINA, GUANGZHOU(3)收款人Ruiqi Garment Co. Ltd., Guangzhou(4)汇

33、款人Universal Garment Imp. & Exp. Co., Hong Kong(5)汇款货币及金额HKD200,000.(6)款项用途Being Proceeds under S/C No. 99CC03026(7)汇款头寸划拨指示we have credited your account with us.四、 票汇中的银行即期汇票      中国银行纽约分行于2002年6月1日收到Wiletecc Co., Ltd., Hong Kong提交的汇票，按所给问题对汇票进行审核和处理。 (1)汇出行BANK OF

34、CHINA, GUANGZHOU(2)汇入行Bank of China, 410 Madison Avenue, New York (3)收款人Wiletecc Co., Ltd.,New York (4)汇款人(5)汇款货币及金额U.S. D20,000.00(6)汇票的付款期限At sight(7)客户提出汇票遗失，出票行的处理客户提交担保书，汇出行补发汇票(8)是否是中心汇票是一张美元的中心汇票五、汇款中的退汇      根据汇出行和汇入行发出的退汇电文和退汇通知书，按其所示内容进行处理。    &

35、#160; （一）退汇电文一    We return herewith your Draft No. C249/7681 for USD200,000.00 for credit to our account 786-723987-023 Anglo International Co. and regret to advise that we are unable to deposit the proceeds to the captioned account because the name of the payee differs from our reco

36、rds. It should read as Anglo International Co. Ltd.      （二）退汇电文二    Our Draft No. 3893-987 dated 20 May 2002 for AUD105,000.00 for credit to Goodluck Co. Ltd., referring to the captioned item, we are informed by the remitter that the above mentioned draft has

37、 gone ashtray in mail delivery.    In this connection, we shall be much obliged if you will cancel the said draft from your records and return the relative advice of drawing to us.      （三）退汇通知书 Your Remittance receipt No. TT56343for HKD65,00000 dated Aug

38、. 30, 2001payable to A/C No. 86754for A/C of BBB Co.with reference to the above, we return herewith the remittance receipt to you for the following reason(s):No accountAccount closedName N A/C not matchedInsufficient detail to identifyKindly acknowledge receipt by signing and returning to us the att

39、ached copy of this letter. 业务及处理退汇电文一退汇电文二退汇通知书(1)汇款基本情况Draft No. C249/7681 for USD200,000.00 for credit to our account 786-723987-023 Anglo International Co.Draft No. 3893-987 dated 20 May 2002 for AUD105,000.00 for credit to Goodluck Co. Ltd.Your Remittance receipt No. TT56343(2)退汇理由we are un

40、able to deposit the proceeds to the captioned account because the name of the payee differs from our recordsdraft has gone ashtray in mail deliveryAccount closed(3)退汇的银行汇入行汇出行汇入行(4)银行的处理汇出行与汇款人取得联系，确认收款人名称cancel the said draft from your records and return the relative advice of drawing to us.办理退汇手续六

41、、汇款的查询      根据汇出行和汇入行所给查询电文和查询书，按其所示内容进行处理。      （一）电文一Re: Our P.O. Ref H783746 Dated Feb. 20, 2000The beneficiary claims non-receipt of the funds up todate, you are kindly requested to investigate this matter and revert by telex.   &#

42、160;  （二）电文二Re: Our P.O. Ref 8976224 Dated July 10, 2001Please furnish us with more information such as contract No., the name of the goods and the quantity, because the beneficiary are unable to apply with the information given.      （三）电文三Re: Our P.O. Ref J67398 Dated

43、 Nov. 18, 2001Please let us learn the full address of the payee of your above payment order, as we have been unable to locate them and are holding your order pending.      （四）电文四Re: Our P.O. Ref 563765 Dated Jan. 7, 2000If the payment has already been effected, please forwar

44、d us the payee's receipt.      （五）查询书一XXX BankTo:YYY BankOur  DD/MT/TT No.TT200498 dated 8 June 2002 for USD505,000.00in favour of Kim Hwa Textiles Co., 89 London St., SingaporeWe refer to the above remittance and request you to take no

45、te of the following item(s) marked“X”and act accordingly: We have received your letter/cable dated             . The name and address of the payee are amended to read as follow: The remitter has informed us that the abov

46、e remittance had not yet been received by the payee upto the date. If the payment has already been effected, please forward the payees receipt to us. Kindly confirm to us by mail/cable the date of payment of the remittance. The above DD has been return to us for cacellation. 

47、;The above DD has been reported last and should be treated as cancelled, please confirm that you have placed stop payment on this DD. At the request of the remitter please cancel the above remittance immediately, if unpaid and credit the amount to our account with you after deducting your charg

48、es if any, under advice to us.XXX Bank                        （六）查询书二XXX Bank      To:YYY Bank      Re: Your TT999888 dated 9

49、90323 for USD8,900.00 Payable to Hing Long Magnetronic Co. Ltd.    We refer to the above mentioned item and would like to advise you as marked“X”below: The payment order is not properly signed, please confirm its regularity. The amount in words and figures on the p

50、ayment order differ, please confirm the correct amount. Payment was effected on              , a photocopy of the beneficiarys receipt is enclosed for your reference. The beneficiary cannot be located at the address give

51、n, please give further information. Name/address of the beneficiary is incomplete, please give full details. Beneficiary's name/account number does not match with that in our recordsPlease furnish us with the correct information. (The account name/number should read