国际结算 第三章

Ch03RemittanceKeywordsRemittance汇款/顺汇reverseremittance逆汇Mailtransfer（M/T）信汇airmail航空邮件Telegraphictransfer（T/T）

电汇Demanddraft（D/D）票汇Commission佣金Receipt收据Besoldup售定consignment寄售Coverreimbursement头寸偿付3.1OutlineofRemittance当前，国际上通行的结算方式有以下几种：

(1)Remittance汇款

(2)Collection托收

(3)LetterofCredit信用证

(4)Bankguarantees银行保函

(5)Internationalfactoring国际保理

(6)Internationalforfeiting福费庭作为一种完善的结算方式必须具备的三个条件：须能保证比较安全、比较快捷地结清对外贸易中的债权债务。须能保证买卖双方的利益都能获得充分照顾。大家知道，在支付贸易货款这个问题上，买卖双方的利益是相互矛盾的。概括地说，前者希望受到货物后再付款；后者则希望在发货前先受到货款。凡是双方都愿意采用的结算方式必须是那种不偏袒买卖双方中任一方，全面照顾双方利益的那种结算方式。应便于资金融通。也就是说，应该能够使买卖双方（也包括中间商）容易从国际和国内金融市场和商业银行筹措其所需资金。ClassificationofPaymentMethodsCashsettlement1.accordingtopaymenttoolsNon-cashsettlementCommercialcredit2.accordingtocreditstandingBankcredit3.accordingtothedirectionofRemittance顺汇themovementoftheinstrumentinrelationtothatofthefundsflowReverseremittance

逆汇Debtor/Buyer付款人Creditor/Seller收款人Debtor’sBankCreditor’sBankSalecontractCreditinstrumentFundsRemittance顺汇

顺汇（Remittance)称汇付法，是由付款人（债务人）主动将款项交给银行，委托银行使用某种结算工具，交付一定金额给债权人（收款人）的结算方法。特点是结算工具传递与资金运动方向一致，故称之为顺汇。Debtor/Buyer付款人Creditor/Seller收款人Debtor’sBankCreditor’sBankSalecontractCreditinstrumentFundsReverseRemittance逆汇

逆汇（ReverseRemittance)又称为出票法，是由债权人以开立汇票的方式，委托银行向国外债务人索取一定金额的结算方式。其特点是结算工具传递与资金运动方向相反。逆汇在国际结算中是托收方式和信用证方式。Whatisremittance?Thetransferoffundsfromonepartytoanotheramongdifferentcountriesthroughbanks.Attherequestofthecustomer,abanktransfersacertainsumofmoneytoitsoverseasbranchesorcorrespondentbanksandinstructsthemtopayanamedpersonorcorporationinthatcountry.PartiestoaremittancePa疲rt拴ie高s者to爹a队r轰em驳it吸ta初nc型eRe团mi绕tt颠er爷o木r草pa惜ye欧r（汇告款人竿）Th究e膝pa阿rt涛y牢wh酷o哑wi头ll丛m骄ak缴e饰th竹e身pa翼ym挡en论t.Pe腐rs带on灰w节ho义r耳eq衫ui廊re扑s特hi貌s浸ba闹nk滤t绿o亿re拜mi渐t愉fu值nd哄s窑to曲t磁he圾b柏en淋ef视ic漠ia废ry危i批n哨a猫fo西re仙ig胜n减co华un胖tr节y.bu良ye棕r罢an朴d本im乌po布rt暂erPa窝ye抛e饺or调b援en租ef拿ic惩ia愈ry（收祥款人醋或受勺益人羡）th尼e谎pe械rs捆on度w溉ho馅i存s素ad芹dr返es闲se裁d安to自r肠ec乳ei强ve移t绸he葵f培un长ds俩b惯y贪re蜂mi双tt财an晨ce受.th扣e梳ex鸭po钞rt叼er纺i哈n牧in挨te载rn潜at田io识na秃l剥tr较ad贡e.Pa泰rt糟ie配s格to钳a各r冤em泰it佛ta欢nc梁eRe圣mi疏tt她in茫g兆ba习nk（汇购出行嗽）Th错e网ba现nk浊w恋ho概r虾em劳it系s蓄th中e腾fu苏nd妙s虎at抹t拔he正r跟eq饭ue拖st屈o矩f侦a畅re烦mi亮tt至er救t抗o翁th爬e劫pa元yi规ng理b充an寻k信an蹈d争in必st仙ru刊ct突s居th励e犬la累tt项er脑t拌o赞pa油y奸a栏ce宴rt寨ai庄n鞠of到m丧on洪ey认t李o润a祥be进ne辫fi展ci达ar地y.Im源po皱rt塞er益’s谨b肺an泪k汇出丧行是袄应汇券款人碌的要趋求将茎资金议转移哄给他构国外苗的代毫理行副或分纹行并饮要求鹿后者说支付山资金屋给受堵益人港的那炭间银战行Pa院rt胡ie输s巴to竿a偿r销em俯it昌ta鸟nc锻ePa滤yi报ng畏b稿an里k（汇觉入行寄）th域e胜ba雪nk梯e丑nt档ru厅st母ed（受岛委托树）to离b摧y索th故e取re完mi压tt悼in安g理ba谋nk耕t厚o洪pa碌y世a杠ce植rt坡ai揉n僚su杰m省of权m帽on沿ey氏t湾o填a莲be锦ne曲fi淡ci检ar框y.us获ua桌ll扣y慨lo旦ca范te熟s唇in先t呆he冷s飞am摩e钩ci椅ty伙a浮s迹th江at肤o笋f泊th父e辨ex索po存rt伟er慌a留nd超i漂s续of竹te勇n节th拦e巩ex药po集rt应er善’s王b请an养k谅in饰i难nt圆er初na婚ti杂on耀al畅t慎ra汽de各.汇入称行是迈被汇差出行探委托队，支露付一猾定金赔额给肆受益活人的耐那间忌银行伐。Ty权pe宰s吸of家r慰em眨it畜ta修nc乓eBa取se痒d娇on劈燕t垫he丝式m惯an幻玉ne盛r绝by重w烫hi负ch武t炕he陕p泉ay么me哗nt惨i央ns走tr旷uc欠ti杯on此i签s妈tr起an贿sm戏it密te边d巨by规t维he蚊b蹲an沙ks姨,疼re来mi绞tt玩an玻ce鬼c袄an寒b纺e存cl盈as辣si降fi它ed呼i台nt怎o逃th座re妙e村ty险pe适s印as岩f着ol语lo早wi嚷ng效:Te夹le屈gr萍ap弦hi搬c汽Tr届an魄sf凶er妨(T/长T莫,疮SW拔IF幻玉T,e胡tc近.)休,撇fa诱st务a殊nd旗e六xp盖en药si达veMa态il昨T针ra装ns济fe往r撒(M/斧T),看s辈lo啊w狮an萝d象ch裹ea理pDe毫ma佩nd师D岂ra询ft赚(D/怕D),豪s楚lo召w笑an喇d圾ea脱sy南t林o郊be踪蝶n果eg雅ot洁ia耍te花d.Fl盛ow胞c盗ha傲rt重o键f驱Ma撞il套T抹ra拔ns天fe淹r剥(M炒/T膏)Remitter1Applyandbuyforeignexchanges&paycommissionRemittingBank2M/TRept.3PO+BTinstructionbyairmailPayingBank

4M/Tadv.Beneficiary5Rept.6Pay7DebitorcreditAdvicePO闸=管Pa商ym锈en迷t肺Or帝de策r射wi帜th柔p婶ay英ee落’sna耐me辞a割nd旦a俗dd沃re凤ss固,忆et球c.BT咽=俗Ba蛙nk绪T掠ra亏ns施fe参r,弄h复ow密t过o斤tr甚an范fe窜rmo耀ne择y律fr圆om倍r补em蒜it米ti贞ng曲b摄an零k破topa肃ym苹en已t席ba璃nk迟.WithauthorizedsignatureAP搜PL龙IC秃AT棚IO惠N戴FO少R办OU璃TW所AR桃D码RE好MI玩TT析AN似CE□悦T/较T粪□M鞋/T呼□艇D/烂DAMOUNTINWORDSAMOUNTBENEFICIARYNAMEBENIFICARY’SBANKACCOUNTNUMBERSBENEFICIARYADDRESSREMITTER’SNAMEADDRESSTELMESSAGE□I染N污PA蓝YM纽奉EN朗T且OF浅T马HE拼A苍BO税VE寻R枯EM昏IT酬TA搂NC案E□P台LE瞧AS斧E妥DE面BI损T遣MY症/O荐UR察A哑CC驰OU情NT机W冲IT霸HYO池UA摔/C筑N翁O.□I峡/W剩E辱SE郑ND谢Y壶OU江C蚂AS甘H/叶CH凑EQ构UE……犁……虚……头……报……严……幸……额…□A改PP祥LI秀CA拖NT府’S贷S崇IG限NA钳TU伪REFORBANKUSEONLY.BANKREF.COMMISSIONPOSTAGE/CABLE银行盖章主管复核核印经办中国银行广州分行BANKOFCHINA，GUANGZHOUBRANCH下列付款，请即照解，如有费用请内扣我已贷记你行帐户。日期GUANGZHOUPleaseadviseandeffectthefollowingpaymentlessyourchargesifany.Incover,wehaveCREDITyou’reA/Cwith

us至此TO

金额

amount

收款人

TobepaidtoNo.ofMailtransfer

信汇号码大写金额AmountinWords:汇款人Byorderof附言Message：

中国银行广州分行BANKOFCHINA，GUANGZHOUFl异ow渠c希ha允rt蓄o喘f勇ca颠bl小e/逝te题le匠x/刃SW挡IF洽T剃(Te脚le鄙gr斤ap厘hi皂c莲Tr士an丑sf额er闯,开T/萌T)Remitter1Applyandbuyforeignexchanges&paycommission2T/TRept.3PO+BTinstructionbyT/TPayingBankRemittingBank

4T/Tadv.Payee5Rept.6Pay7DebitorcreditAdviceCa抬bl边e吩an漂d真Te要le堡x惕ne继ed哗a稻t米le声as肺t缠mo蜡reth败an础2净d谦ay宴s床to专p扣ro访ce违ssIn绣t异he穷S痰WI敲FT缴t炒ra阻ns叔fe孩r,农i惊f督yo受u号se严ndmo永ne眯y壮in愿t膏he题m掌or纳ni降ng炸,侮it绣w赚ou窃lden解te尘r贩pa饲ye腿e’拐s均a/怎c莲in特t引he尤a屈ft粪er恐no雄onWithtestkeySampleofcable/telexTransferFM：BANKOFASIA，TIANJINTO：THEHONGKONGANDSHANGHAIBANKINGCORP.，

HONGKONGDATE：1STMARCHTEST

1253OUR

REF.208TT0517

NOANYCHARGESFORUSPAYUSD20000,VALUE1STMARCHTOYOURHAYWAYBUILDINGBRANCH58ST.STANLEYHONGKONGFORA/CNO.004-110-106028-001

FAVOURPRECISIONPHOTOEQUIPMENTLTD.HONGKONGMESSAGECONTRACTNO.P10158

ORDERPHOTOGRAPHCO.TIANJIN

COVERDEBITOURHOACCOUNT电报/电传汇款例子发电行：亚洲银行天津分行收电行：汇丰银行香港分行日期：3月1日密押1253我行汇款编号208TT0517，我行不承担解付行的任何费用。请将USD20000付给贵行HAYWAYBUILDING分行，58大街，STANLEY香港，起息日是3月1日，贷记到账号004-110-106028-001，收款人是香港精密照相设备公司。附言：第O.P10158号合同的付款，汇款人天津照相公司，作为偿付，请借记我总行账户。密押=密码，由4位或5位数组成，分别代表汇出行、汇入行、货币代码、金额、日期等。Fl布ow昌c钱ha贡rt愉o瓶f仗Ba桌nk磨D肥em塑an押d肺Dr傅af殿t孟(D捧/D轻)Payer1

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