福费廷业务操作规程

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银行福费廷业务操作规程第一章总则第一条为促进我行福费廷业务进展，标准业务操作，依据福费廷业务特点和风险掌握要求，特制定本操作规程。其次条福费廷业务是指包买银行无追索权地买入或卖出因〔以下统称信用证、托收〕/承诺付款行/保兑行/保付加〔以下统称承兑行承兑/承诺付款/保兑/〔以下统称承兑的款项，包括福费廷一级市场业务和福费廷二级市买业务。第三条本操作规程所指经办行系指经总行、银行业监视管格的各级经营机构。第四条代理福费廷和福费廷卖出业务由国际业务部门直接总行低信用风险信贷业务流程办理。其次章福费廷业务术语第五条本操作规程中主要涉及的福费廷业务术语及释义如下：和代理福费廷业务。1、自营福费廷。指我行担当承兑行付款风险，使用自有资金买入客户信用证或托收项下经承兑行承兑的款项。2、代理福费廷。指我行不担当承兑行付款风险，代理其他银行买入客户信用证或托收项下经承兑行承兑的款项。入和卖出两个方向。〔三险。〔四〕承诺费。指出口商承诺卖出票据至实际融资日超过14天所应支付的费用。承诺费一次性支付，并依据贴现总额而定。数，在计算贴现利息时将宽限期计入实际融资期。第三章办理福费廷业务的条件第六条办理福费廷业务应满足以下条件：下银行已承诺付款，托收项下远期票据银行已保付加签；〔二〕汇票或应收账款计价币种应为我行可承受的货币；〔三〕福费廷业务项下的根底交易无瑕疵；〔四项下应收账款的全部人。办理自营福费廷、福费廷二级市场买入，应占用承兑与我行各项业务往来记录良好。诺付款；交单行有明确的贴现要求。第四章福费廷业务的融资报价第七条福费廷业务区分以下两种状况对外询报价：授权的二级分行统一对外询报价〔以下简称有权询/报价行；第八条自营福费廷和福费廷二级市场买入经办行应依据承兑行资信状况、所在国的国家风险、综合报价。3-5〔三〕对从客户确认我行报价日到实际融资日超过14天的为自营福费廷项下客户或二级市场福费廷卖出行确认我行报价日到实际融资日的期限。第九条代理福费廷业务的收费标准依据包买银行的报价确定，一般在包买银行报价的根底上增加肯定的代理手续费。第五章福费廷业务流程第一节福费廷一级市场业务流程第十条业务申请但不限于：〔一据的复印件；〔二承兑行的正本承兑/承诺付款/保兑/保付加签电文或已经承兑/保付加签的汇票正本；〔三〕我行或包买银行要求的其他材料。第十一条办理自营福费廷，经办行客户部门应按上述第三背景的真实性及客户资信状况等。第十二条业务询报价。后，经办行应通知客户。第十三条签订合同资合同，明确双方的权利和义务。第十四条款项发放〔参考报文格式见附件到期向我行付款。向出口商出具福费廷融资确认书。第十五条款项收回办理自营福费廷业务，在款项到期日前，经办行应准时提示承兑行付款。办理代理福费廷业务，如到期日承兑行向我行付款，经办行应准时将款项付给包买银行。其次节福费廷二级市场业务流程第十六条福费廷二级市场买入业务〔一如同意我行报价，应向我行发送SWIFT报文〔或有签字或盖章的〕确认。〔二〕款项发放。福费廷二级市场买入业务经审批后，经办〔参考报文格式见附件2〕及其向承兑行发送的告知其款项让渡事项的SWIFT报文〔参考报文格式见附件3，应有签字或盖章，依据商定的日期在扣除有关费用后向卖出银行付款，同时向其发送SWIFT报确认已付款，并说明如承兑行到期日直接向卖出行付款，卖出行应将款项准时归还我行。第十七条福费廷卖出业务〔一办行。经办行应依据买入银行的要求提交相关的业务材料，并以SWIFT报文通知承兑行款项让渡事项，到期款项直接付给买入行。福费廷业务款项。第十八条款项收回一SWIFT〔二〕福费廷卖出业务项下，如到期日承兑行向我行付款，经办行应准时将款项付给买入行。第三节进口票据包买业务流程第十九条进口票据包买业务项下，我行既是开证行，又是请人到期仍应向我行归还信用证项下款项。约迟付，开证行应担当信用证项下到期付款责任。其次十条进口票据包买业务的申请人应为信用证项下交单SWIFT其次十一条进口票据包买业务可与开证业务一并审批，也可在信用证开出后审批。一理进口票据包买业务的同时释放开证额度。1、审批同意后，信用证报文中应参加办理进口票据包买意向的类似语句和汇票缮制要求〔也可在开证后另行缮制报文：Wearepreparedtodiscountthedueamountlessourinterestandchargesbeforematurityoncethedocumentshavebeenacceptedbyuswithoutrecourseexceptforanykindoffraudorfraudulentactivitiesofthebeneficiaryandcourtinjunction,uponthespecificinstructionsof thepresentingbank.Alldiscountchargesarefortheaccountofthe presentingbank/beneficiary.Draftsshouldbemade“PaytoorderofXX(beneficiary)“,ifany.

2〔SWIFT贴现要要求交单行以SWIFT加押报文方式确认其信用证项下的权利全〔参5。3、如交单银行承受我行报价，并在规定的时间内以SWIFT业务相关费用后向交单行付款。〔二1、交单行提交的远期汇票收款人为受益人的，经办行应审SWIFT报文中是否指示我行包买票据。后续操作流程参照本条第〔一〕2—32、交单行提交的远期汇票收款人为其自己的，经办行应向其次十二条经办行应做好相应的登记工作，在信用证项下款项到期前，应准时提示进口商按期偿付我行相应款项。第六章 治理其次十三条协议治理批准的一级分行与代理行签订福费廷协议。SWIFT加押报文方式〔或有签字或盖章的〕确认办理。SWIFT加押报文中应除单笔福费廷业务的相关信息外，分行应就业务状况向总行备案。其次十四条风险治理实行补救措施并向上级行报告。其次十五条档案治理5第七章附则XX资业务会计核算方法》的有关规定。其次十七条本操作规程由XX银行总行负责制定、解释和化，制定辖内福费廷业务的实施细则。其次十八条本操作规程所涉及的国际收支申报、出口收汇局的最规定办理。XX费廷业务操作暂行规程》和《XX银行进口信用证项下包买票据业务操作规程》同时废止。函参考格式卖出银行款项让渡报文参考格式〔给我行〕卖出银行款项让渡报文参考格式〔给承兑行〕我行付款确认报文参考格式进口票据包买业务报价报文参考格式1：给开证行、保兑行或其它指定银行的款项让渡通知函参考格式一、通知开证行我行已买入其承兑的汇票/债务LetterofAssignment(tobesentbytestedtelexorswift)To:LCissuingbankorconfirmingbankFrom：YourL/CNo.DatedOurBPNo.ForAmountofBillofExchangefordulyacceptedbyyourbanktomatureonWeherebygivenoticetoyouthatafterreceiptofyouracceptancenotice,wehavepurchasedthesubjectBillofExchange/deferredpaymentdebt.TherightofthesubjectBillofExchange/deferredpaymentdebthasbeenassignedtous.Pleasepayonmaturitydatethefullfacevalueofthedraftamountineffectivecurrencywithoutanydeductionsofanynature,counterclaimsorset-offstothefollowingaccount:AccountBank:AccountNo.QuotingthereferenceNo.Pleaseconfirmthattheoriginaldraftsareretainedinyourpossessionandbeingheldtoourorder.二、通知开证行已将款项让渡给我行代理的包买银行LetterofAssignment(tobesentbytestedtelexorswift)To:LCissuingbankorconfirmingbankFrom:YourL/CNo. DatedOurBPNo. ForAmountofBillofExchangefor dulyacceptedbyyourbanktomatureonWeherebygivenoticetoyouthatthedrawer/beneficiaryunderthecaptionedLC,hasbyletterofAssignmentirrevocablyandunconditionallyassignedallhisrights,title,interestandbenefitintheDraftdrawnonandacceptedbyyou,to包买银行Wehavesenttheoriginalofyouracceptancedated to包买银行Pleasepay包买银行[accountno.]ortotheirorderonthematuritydate.2：卖出银行款项让渡报文参考格式〔给我行〕:20:TransactionRelatedNumber:21:RelatedReference:79:NarrativesATTN:TRADEFINANCEDEPT.OURDOCSREF. FORUSDXXXXXXACCEPTED BY XXXXXXX BANK TO MATURE XXXXXXUNDERL/CNO.XXXXXXXXXX.WEHEREBYCONFIRMTHATWEHAVEUNCONDITIONALLYANDIRREVOCABLYTRANSFERREDALLRIGHTS，TITLE，INTERESTANDCLAIMSACCRUINGFROMTHEABOVEL/C，TOGETHERWITHTHERELATIVEBILLSOFEXHANGTOYOUBYACCEPTINGYOURFACILITYLETTEROFOFFERDATEDXXXX.WEUNDERTAKETHATTHERELATEDL/CAMOUNTANDTENORWILLREMAINUNCHANGEDWHENTHEPROCEEDSUNDERSUBJECTHASBEENASSIGNEDTOAGRICULTURALBANKOFCHINA, BRANCH.IFTHEISSUINGBANKPAYSTHEPROCEEDSTOOURACCOUNTDIRECTLYONTHEMATURITYDATE,WEWILLIMMEDIATELYREMITTHEAMOUNTTOAGRICULTURALBANKOFCHINA, BRANCH.IFTHEISSUINGBANKAUTHORIZESUSTOCLAIMREIMBURSEMENT AT MATURITY, WE UNDERTAKE TOIMMEDIATELYCLAIMREIMBURSEMENTONYOURBEHALFANDREMITTHEAMOUNTTOAGRICULTURALBANKOFCHINA,BRANCH.WEHAVERECEIVEDTHEAUTHENTICATEDSWIFTNOTIFICATIONFROMTHEISSUINGBANKCONFIRMINGTHATTHEYWILLREMITPROCEEDSONTHEMATURITYDATE.WEHAVESENTOURASSIGNMENTAUTHORIZATIONBYAUTHENTICATEDSWIFTTOISSUING/PAYINGBANKTOREQUESTTHEMTOPAYAGRICULTURALBANKOFCHINA, BRANCHDIRECTLYONMATURITYDATE.YOUHAVETHERIGHTTORECOURSEFORTHISTRANSACTIONIFACOURTINJUNCTIONISISSUEDORPAYMENTISREFUSEDDUETOANYFRAUDORILLEGALITYISSUES.YOURPAYMENTROUTE〕QUOTINGOURREFNO.BESTREGARDSEXPORTBILLSDEPT.3：卖出银行款项让渡报文参考格式〔给承兑行〕:20:TransactionRelatedNumber:21:RelatedReference:79:NarrativesATTN:LCDEPT.OURDOCSREF.XXXXXXXXFORUSDXXXXXXXUNDERYOURL/CNO.XXXXXXXXXXMATURIYDATE:WeherebyconfirmthatwehaveassignedalltherightsandbenefitsaccruingfromyourletterofcreditNo.XXXXXXXXXXXXXtoAgriculturalBankofChina, Branch.Pleaseconfirmyouracknowledgementoftheassignmentdirectlyto them(their SWIFTCode:ABOCCNBJ100)and to confirm undertakingtopaythembyremittingUSDXXXXXXXXXlessyourchargestoABOCCNBJheldwithCHASUS33ForfurthercredittoABOCCNBJXXXatmaturitydateXXXXXbyauthenticatedSWIFT.BESTREGARDSEXPORTBILLSDEPT.附件4：我行付款确认报文参考格式:20:TransactionReferenceNumber:21:RelatedReference:79:NarrativeATTN:EXPORTBILLSDEPT.REYOURBILLAMOUNT:USDXXXXXXUNDERLCNO.XXXXXXISSUEDBYXXXXXXBANKMATURITYDATE:OURREF:XXXXXXXREYRSWIFTMSGOFDD,WEHAVETODAYDISCOUNTEDTHEABOVEBILLANDTTREMITTEDUSDXXXXXXTOYOUASINSTRUCTED. DETAILSOFCALCULATIONAREASFOLLOWS:LESS:XXDAYSINTERESTAT PCTP.A.PLUS PCTP.A.(WORKINGDAYSGRACEPERIODINCLUDED)USDXXXUSDXXXUSDXXX

CABLECOSTPRE-DEDUCTIONTHANKYOUFORYRKINDATTENTION.REGARDS.ABC BRANCHTRADEFINANCEDEPT.5：进口票据包买业务报价报文参考格式TO xxx: BANKFM: AGRICULTURAL BANK OF CHINA, xxx BRANCHATTN: 〔NAME OF THE PERSON〕DEAR SIR/MESDAMES,RE.YOURREFNO.xxxFORAMOUNTOFxxxUNDEROURL/CNO.XXXTHISISTOADVISEYOUTHATTHEABOVE-MENTIONEDDRAFT〔S〕/DOCUMENTS PRESENTED BY YOUR BANKDATEDxxxHAVEBEENACCEPTEDBYUSTOMATUREFORPAYMENTONxxxACCORDINGTOYOURREQUEST,WEAREPLEASED TO OFFER YOU AN EXPORT BILL DISCOUNTFACILITY WITHOUT RECOURSE EXCEPT FOR ANY KINDOFFRAUD