国际结算的课件第四章Remittance

Chapter4remittanceEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.Chapter4remittanceEvaluationkindsofmethodsofsettlementsRemittanceDocumentaryCollectionDocumentaryL/CLetterofGuarantee(L/G)Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.kindsofmethodsofsettlementremittanceandreverseremittance.Therearetwomainkindsofmethodsofsettlements,namelyremittanceandreverseremittance.Theremittanceisthatthefundsflowinafavorabledirectiontothepaymentinstructionstransmittedtherefrom.Thereverseremittanceisthatthefundsflowinacontrarydirectiontothepaymentinstructionstransmittedtherefrom.

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.remittanceandreverseremittaremittanceSellerBuyerT/TpaymentEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.remittanceSellerBuyerT/TpaymreverseremittanceSellerBuyercollectionpaymentEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.reverseremittanceSellerBuyerDefinition

Remittancereferstothetransferoffundsfromonepartytoanotheramongdifferentcountriesthroughbanks.Attherequestofitscustomer,abanktransfersacertainsumofmoneytoitsoverseasbranchesorcorrespondentbanksandinstructsthemtopayanamedpersonorcorporationdomiciledinthatcountry.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.DefinitionRemittancereferPartiestoaRemittanceRemitterPayee/BeneficiaryRemittingBankPayingBankEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.PartiestoaRemittanceRemitte

Theremitterthepersonwhorequestshisbanktoremitfundstoabeneficiaryinaforeigncountry.Theremitterisalsothepayer.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.TheremitteTheremittingbank

thebankwhotransferringfundsattherequestofaremittertoitscorrespondentoritsbranchinanothercountryandinstructingthelattertopayacertainsumofmoneytoabeneficiary.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.TheremittingbankthebankThepayee

thepersonwhoisaddressedtoreceivetheremittance

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.ThepayeethepersonwhoisThepayingbank

thebankentrustedbytheremittingbanktopayacertainsumofmoneytoabeneficiarynamedintheremittanceadvice.

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.ThepayingbankthebankenRemittingBankPayingBankRemitterPayee/BeneficiaryEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.RemittingBankPayingBankRemOutwardRemittance

InwardRemittanceEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.OutwardRemittanceEvaluationoOutwardRemittanceTheremittanceswhicharehandledbythehomeremittingbankEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.OutwardRemittanceTheremittaInwardRemittanceTheremittancewhichthosearehandledbyforeignpayingbank.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.InwardRemittanceTheremittancMethodsofRemittanceTelegraphicTransfer(T/T)MailTransfer(M/T)RemittancebyBanker’sDemandDraft(D/D)Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.MethodsofRemittanceTelegrapTelegraphicTransfer(T/T)Themostefficientmeanswiththepaymentinstructiontransmittedbytelex/SWIFTInanymajorcurrencyforanyamountAfastandaccuratewaytotransferfundsabroad

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.TelegraphicTransfer(T/T)ThemTelegraphicTransfer(T/T)AsecurewayofremittingfundsofsubstantialamountspayabletoaspecificbeneficiaryTofacilitatepaymentsonaregularbasisbymeansofastandinginstructionEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.TelegraphicTransfer(T/T)AsediagrameEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.diagrameEvaluationonly.Procedure(1)TheremittermakesoutthenecessaryapplicationformandgiveshissignedwrittenapplicationtohisbankinstructingittoissueaT/T,indicatingthebeneficiary’sfullname,addressandthenameofbeneficiary’sbanker(ifany).Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.Procedure(1)Theremittermake(2)Theremittingbankdebitshiscustomer’saccountwiththeamounttoberemittedtogetherwithitscommissionandexpense(ifany).

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.(2)Theremittingbankdebit(3)Theremittingbankissuesapaymentordertoitsbranchorcorrespondentbankintheplacewherethebeneficiaryisdomiciled.Thepaymentorderspecifiesthedetailsofthepaymentincludingamount,nameandaddressofbeneficiary,andnameoftheremitter.

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.(3)Theremittingbankissues(4)Uponreceiptofthepaymentorder,thepayingbankverifiestheauthorizedsignatures,notifiesthebeneficiary,andpaystohimthestatedamountminusexpenseschargedbyitself.

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.(4)Uponreceiptofthepayme(5)Thepayingbankclaimsreimbursementfromtheremittingbankinaccordancewiththelatter’sinstructions.

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.(5)ThepayingbankclaimsreSpecimen从香港汇入港币

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.Specimen从香港汇入港币Evaluationon从世界各地汇入其他货币

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.从世界各地汇入其他货币Evaluationonly.MailTransfer(M/T)Themailtransferisaremittance,attherequestofaremitter,effectedbyamailadviceorpaymentordersentbytheremittingbanktothepayingbankauthorizingthelattertonotifyandpayacertainsuminmoneytopayeeoftheremittance.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.MailTransfer(M/T)ThemailtrRemittancebyBanker’sDemandDraft(D/D)DemandDraftAchequepayabletoparticularbeneficiarydrawnonspecificBank,usu.correspondentbankorbranchoffice.InanymajorcurrencyforanyamountPaymentguaranteedbytheissuingbankAninexpensiveandsimplemethodoffundstransfer

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.RemittancebyBanker’sDemandAsecureformofpaymentasthedemanddraftispayabletothespecifiedpayeeRe-purchasableandrefundableiflostTofacilitatepaymentsonaregularbasisbymeansofastandinginstructionEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.AsecureformofpaymentasthD/D(Demanddraft)

Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.D/D(Demanddraft)EvaluationexerciseDraftNo.20060613Amount:HKD32,150.00Placeanddateofdraft:Tianjin,8May,2003Payingbank:BankofChina,HongKongPayee:theorderofUnitedTradingCompany,HongKongEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.exerciseDraftNo.20060613EvaluexercisePayagainstthisdrafttothedebitofouraccount.Remittingbank:BankofChina,TianjinRemitter:ChinaNationalLightIndustrialProductsImp.&Exp.Corp.,TianjinBranch,TianjinPleasedrawademanddrafttomakeremittancebyD/D.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.exercisePayagainstthisdraftBANKOFCHINANO.__________

ThisdraftisvalidforoneAMOUNT_____yearfromdateofissue_____,_________To:

____________________________________________Payto__________________________________________THESUMOF___________________________________________________________________________________PAYAGAINSTTHISDRAFTTOTHEDEBITOFOURACCOUNTBANKOFCHINA,TIANJIN

signaturesNotnegotiable

AccountpayeeEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.BSupposeBankofChina,Tianjinwouldbetheremittingbankoftheremittance,theyhave:(1)abranchoffice---BankofChina,London(2)anaccountbank---NationalWestminsterBankLtd.,London(3)acorrespondent---BarclaysBankLtd.,LondonEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.SupposeBankofChina,TianjinBankofChina,Londonwillbemoreapplicabletoapayingbank.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.BankofChina,LondonwillbeReimbursementof

RemittanceCoverThepayingbankhasmaintainedanUSDaccountwiththeremittingbank.SupposeanoutwardremittanceinUSDismade,youshouldwrite“coverinstruction”asfollows:Incoverwehavecreditedyouraccountwithus.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.Reimbursementof

RemittanceCRemittingbankPayingbankIncoverwehavecreditedyouraccountwithus.USDaccountEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.RemittingbankPayingbankIncoTheremittingbankhasmaintainedaGBPaccountwiththepayingbank.SupposeanoutwardremittanceinGBPismade,youshouldwrite“coverinstruction”asfollows:Incover,pleasedebitouraccountwithyouEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.TheremittingbankhasmaintaiRemittingbankPayingbankIncover,pleasedebitouraccountwithyouGBPaccountEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.RemittingbankPayingbankIncoBothpayingbankandremittingbankhavemaintainedUSDaccountwithXYZBank,NewYork.supposeanoutwardremittanceinUSDismade,youshouldwrite“coverinstruction”asfollows:IncoverwehaveauthorizedXYZBank,NewYorktodebitouraccountandcredityouraccountwiththem.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.BothpayingbankandremittinRemittingbankPayingbankIncoverwehaveauthorizedXYZBank,NewYorktodebitouraccountandcredityouraccountwiththem.XYZ

bankOpenUSDaccountOpenUSDaccountEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.RemittingbankPayingbankIncoRemittingbankandpayingbankhavenotmaintainedaccountwitheachother,norhavekeptboththeaccountswithathirdBank.supposeanoutwardremittanceismade,youshouldwrite“coverinstruction”asfollows:IncoverwehaveinstructedXBanktoremitproceedstoyou.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.RemittingbankandpayingbankUsingdrafttoReimburseRemittanceCoverEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.UsingdrafttoReimburseRemitRefundmentTherefundmenttheremitterclaimesremittingbankinformpayingbankrevocationpayingbankinformremittingbankrefundremittanceEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.RefundmentTherefundmentEvaluaIftheremittancehadbeenpaid,refusetheclaimIfthepayeeapply,dowithrefusinggatheringEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.IftheremittancehadbeenpaiQuestionHowtorefundifweusingD/Dtoremit?Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.QuestionHowtorefundifweuTypesofRemittancePaymentinAdvancePaymentafterArrivaloftheGoodsEvaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.TypesofRemittancePaymentinTypesofRemittancePaymentinAdvancewhichisadoptedininternationaltradeisusuallyeffectedbyremittance,andisadvantageoustoexporter.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.TypesofRemittancePaymentinTypesofRemittancePaymentafterArrivaloftheGoodswhichisadoptedininternationaltradeisusuallyeffectedbyremittancetoo,andisadvantageoustoimporter.Evaluationonly.CreatedwithAspose.Slidesfor.NET3.5ClientProfile.Copyright2004-2011AsposePtyLtd.TypesofRemittancePaymentaft汇款案例2001年5月18日，国内某外贸公司与加拿大一家公司经中间人介绍签订了一份金额为39万美元的贸易合同，合同规定：由进口方开出即期不可撤销的信用证向出口方付款。但过了合同规定的开证日期仍未见进口方开来信用证，经出口方的催问，对方称：“证已开出，请速备货”。然而，临近约定的装运期前一周，出口方还未收到信用证。出口方再次查询，对方才告知“因开证行与出口方银行并无业务代理关系，故此证已开往有代理关系的某地银行转交”。此时，船期已到，因合同规定货物需运抵加拿大，而此航线每月只有一