托收结算方式

1、Chapter four CollectionThe concept of collection Basic parties to a collectionProcedures of a collectionDocuments in collectionTypes of collectionTerms of releasing documentsRisks involved and protectionURC5221 URC522 Art.2 collections means the handling by banks, on instructions received, of docume

2、nts, in order to: 1)obtain acceptance and/or payment; 2)deliver commercial documents against acceptance or payment; 3)deliver documents on other terms and conditions. 指由接到委托指示的银行处理金融单据和/或商业单据以便取得付款/承兑，或凭付款/承兑交出商业单据，或凭其它条件交出单据。 Collection is an arrangement whereby the seller draws a draft on the buye

3、r , and /or shipping documents are forwarded to his bank, authorizing it to collect the money from the buyer through its correspondent bank . 指债权人（出口人）出具债权凭证（汇票等）委托银行向债务人（进口人）收取货款。 银行参与仅是利用其资金划拨渠道，提供完善服务，并无收妥保证，商业信用基础。The concept of collection2委托人 principal-seller(drawer) collection application托收行 r

4、emitting bank/寄单行 collection instruction 代收行 collecting bank 提示行 presenting bank 付款人 payer - buyer (drawee) 需要时的代理 principals representative in case of need Basic parties to a collection3It serves as the contract between the principal and the remitting bank,and should expressly indicate the intentio

5、n and requirement of the principal.Content:details of the principal and drawee a list of documentsAmount and currency to be collected terms of releasing documents 交单条件 disposal of proceeds upon collection票款收妥后代收行汇交托收款的方式 store and insure clause when documents are not taken up on arrival of goods 仓储保

6、险 bank and other charges银行费用 about protest in the event of dishonor designating collecting bank 指定代收行 Collection application4 托收行在缮制托收指示书时，应将交款指示明确、清楚地表达出来。交款指示是托收行对代收行在款项收妥后如何汇交的指示。 如果托收行在代收行设有账户 collection instruction：upon collection,please credit the proceeds to our account with you under airmail

7、/cable advice to us. 如果代收行在托收行设有账户 collection instruction:Please collect proceeds and authorize us by airmail/cable to debit your account with us. 托收行与代收行之间没有帐户，托收行在国外X银行开立帐户 请代收行将收妥款项汇至X银行，贷记本行帐户，并请该行以电报或航邮通知我行。 please collect and remit the proceeds to x Bank for credit of our account with them und

8、er their cable/airmail advice to us.5 Procedures of a collection 6Collection draft Payee: 1)drawer/principal remitting bank collecting bank 2)remitting bank collecting bankpay to the order of remitting bankEndorsement: for collection pay to the order of collecting bank, for remitting bank,signature

9、3)collecting bank Drawn clause： Drawn against shipment of * from * to* for collection for payment on demand, draft is not necessaryBill of lading consignee:to order/to order of shipper Documents in collectionBlank endorsementSpecial endorsement7光票托收（clean collection) Collection on financial instrume

10、nts only,sometimes accompanied by invoice,etc. Documents are sent directly by the exporter to the importer. The exporter is in fact shipping on open-account terms.Payment instrument: a draft, a check or a money order, the tenor of which can be at sight or a future time.跟单托收(documentary collection) C

11、ollection on financial documents being accompanied by commercial documents or collection on commercial documents without financial documents. Only the draft drawn is paid or accepted, will the documents be released to the importer.直接托收(direct collection) an arrangement whereby the seller obtains his

12、 banks pre-numbered direct collection letter, thus enabling him to sent his documents directly to his banks correspondent bank for collection. 是委托人以从托收行获取的托收表格为基础，直接将托收单据和托收表格寄给代收行, 代收行将委托人直接寄送的单据视同由托收行寄出。 Types of collection8付款交单（documents against payment，D/P) 即期付款交单（D/P at sight) 远期付款交单（D/P at day

13、s after sight)承兑交单（documents against acceptance，D/A)凭其他条件交单(documents against other terms and conditions) Terms of releasing documents9 the collecting bank is allowed to release the documents to the drawee only against full and immediate paymentD/P at sight sight draft; pay on presentation for docum

14、ents “upon first presentation the buyers shall pay against documentary draft drawn by the sellers at sight. The shipping documents are to be delivered against payment only.”D/P at a fixed time after sight time draft; first presenting for acceptance;when the accepted draft matures, presenting it for

15、payment, then releasing document to buyer. 一般是为避免在运输途中买方资金的占压，远期期限以货物运输的在途时间为宜。 Procedures Documents against payment10Drawer Drawee Remitting bankCollecting bankcontract1)Documents,draft and application 2)Documents,draft andCollection instruction3)Presenting draft4)pay/ acceptPresenting for paymentp

16、ay5)release documents6)payment7)pay-mentRed letter stands for D/P at a fixed time after sight11 The collecting bank is allowed to release the documents to the drawee only against the acceptance of a draft. the exporter extends credit to the importer. Documents against acceptanceDrawer Drawee Remitti

17、ng bankCollecting bank1)Documents,draft and applicationcontract2)Documents,draft andCollection instruction3)Presenting draft4)Accept5)docu-ments6)present-ing for payment7)payment8)payment9)payment12部分凭即期付款，其余凭承兑远期汇票交单（ Delivery of documents against partial payment) “Delivery of documents against par

18、t of collection to be paid at sight and the balance by the way of the acceptance of a separate draft payable at a future date .”凭本票交单(against P/N)凭付款承诺交单(against letter of undertaking to pay) 凭信托收据交单(against trust receipt)凭保函交单(against letter of guarantee) Documents against other terms13Non-acceptan

19、ce or payment by the importer for a significant drop in market price of the imported goodsOperational risks of the importerExchange restrictionsRisks relating to insuranceSpecial collections customs in different countries Risks involved to an exporter14Investigate the reputation and financial standi

20、ng of the importerMarket trend of exported goods in importing countryTake into account the foreign exchange regulations and the economic and political conditions in the importing country Pay attention to the local collection customs or usagesBetter conclude a deal under CIF Protection against risks

21、15托收统一规则(国际商会出版物第522号出版物)是托收业务使用的国际惯例。国际商会为调和托收有关当事人之间的矛盾，以利商业和金融活动的开展，于1967年拟定商业单据托收统一规则，并建议各国银行采用。此后国际商会对该规则一再进行了修订，并改名为托收统一规则。其内容包括：总则与定义，托收的形式和结构，提示的形式，义务和责任，付款，利息、手续费和开销以及其他条款等共26个条款。URC522 16解释和说明：凡在托收指示书中注明按URC522行事的托收业务，本规则对有关当事人均具有约束力。除非事先已征得银行同意，货物不应直接运交银行，也不得以银行或其指定人为收货人。否则此项货物的风险和责任由发货方承

22、担。银行必须确定所收到的单据与托收指示书所列的完全一致，除此之外，银行没有进一步审核单据的义务。托收如被拒绝付款或拒绝承兑，代收行行必须毫不延迟地向发出托收指示书的银行通知，托收银行须在合理时间内对代收银行作出处理有关单据的指示，如在送出拒付通知60天内仍末接到该项指示时，可将单据退回托收银行，而不负任何责任。托收不应含有凭付款交付商业单据指示的远期汇票。托收指示书中明确且完整地注明需要时代理人的权限。对托收费用、利息、部分付款、拒绝证明、托收情况的通知等问题具体的规定。银行免责和不可抗力的规定17案例1： 我某外贸公司与某国A商达成一项出口合同，付款条件为D/P45天付款。当汇票及所附单据通过托收行寄抵进口地代收行后，A商及时在汇票上履行了承兑手续。货抵目的港时，由于用货心切，A商出具信托收据向代收行借得单据，先行提货