国际结算实验-汇款实验参考答案

./实验素材一、汇款申请书2003年3月8日,CHINANAT.METALS&MINERALSI/ECORP.向中国农业银行市分行提交下面这汇款申请书,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>APPLICATIONFOROUTWARDREMITTANCE致：中国农业银行分行TO:THEAGRICULTURALBANKOFCHINA日期DATE:2003兹委托贵行办理下列汇款。I/Weherebyrequestyoutoeffectthefollowingremittance.X电汇□信汇□票汇付款地点T/TM/TD/DDrawnon:银行编号〔查询时请引述RefNo.TT96785收款人Beneficiary’snameUnitedTradingCompanyHongKong币别及金额Curr.&Amt.HKDollars20,000.00及地址&address70WingTaiRoad,ChaiWanHongKong账号A/CNo.22-8银行填写栏BANKUSEONLY收款银行Beneficiary’sBankPOSANGBANKLTD.汇率<Rate>及地址&addressHONGKONG等值人民币Equivalentin￥汇款人ByorderofCHINANAT.METALS&MINERALSI/ECORP.<Commission>附言DetailsofPaymentCOMM.UNDERS/CNO.CT0011-01邮电费<Postage&Cable>其它费用<OtherCharges>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。Allforeignbank’schargesaretobebornebyus/payee<ifnotspecified,allchargesaretobebornebypayee>.Allpartiesinthechannelareadvisedbytelex.□请付敝账<debitmy/ouraccount>,账号<a/cNo.>□兹附支票<enclosemy/ourcheque>,为<No.>付款行<Drawnon>X现金支付<I/Wepaycashherewith>。联系<TEL>83738789申请人签章青Applicant’sStamp&Signature______________________________________________________经办:：会计：复核：记账：⑴汇款方式电汇⑵汇款人公司名称CHINANAT.METALS&MINERALSI/ECORP.⑶收款人公司名称、地址UnitedTradingCompany,HongKong⑷汇款金额HKD20,000.00⑸款项用途COMM.UNDERS/CNO.CT0011-01⑹银行费用由哪方支付?国外银行的一切费用由收款人负担⑺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*1.0987⑻银行在哪些情况下可免责？参看P29页汇款申请书背面条款⑼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？参看P27页汇出行处理环节二、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,将汇款业务指示容填列出来。1、电文一：汇出汇款FM:HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONGTO:THEAGRICULTURALBANKOFCHINAGUANGZHOUDATE:8THJUNETEST2876AOURREFTT200498PLSPAYHKD34000.VALUE8JUNETOACCOUNTNO.764583934-128FAVOURPRECISIONPHOTOEQUIPMENTLTD.JINXINGBUILDING22GUANGZHOUMESSAGECOMM.UNDERS/CNO.87364ORDERCOVERWEHAVECREDITEDYOURACCOUNTWITHUS.2、电文二：汇入汇款…PCBCCNBJ…BOFAUS3NMT100CUSTOMERTRANSFERTRANS.REF:20:180TT09266VAL/CUR/AMOUNT:32A:990712USD31,681.00ORDERINGCUSTOMER:50:UnitedProsperityEnterprise,Inc,Tortol;BritishVirginIslandsORDERINGBANK:52:MidlandBankLtd.,LondonACCOUNTWITH:57A:BKOFCHINABENEFICIARY:59:HuayuEngineManufacturingCo.Ltd.DETAILSOFPMT:70:ContractGH680-23DETAILSOFCHARGES:71A:BENBANKTOBANKINF:72:REIBURSEWITHBKOFNKYNY3、电文三：汇入汇款FM:BANKOFAMERICA,NEWYORKTO:INDUSTRIALANDCOMMERCIALBANKOFCHINA,GUANGDONGBRANCHDATE:14TH,OCTTEST87593OURREFTT10908-04PLSPAYUSD38000.VALUE14,OCT.TOGUANGDONGCEREALSOILNFOODSTUFFSI/EGROUPCORP.VIAA/CNO.310910079BEINGPROCEEDSUNDERS/CNO.CT89768ORDERWINFOODCO.LTD.COVERCREDITEDYOURH.O.ACCOUNT电文审核容电文一电文二电文三⑴汇出行HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONGMidlandBankLtd.,LondonBANKOFAMERICA,NEWYORK⑵汇入行THEAGRICULTURALBANKOFCHINAPCBCCNBJINDUSTRIALANDCOMMERCIALBANKOFCHINA,GUANGDONGBRANCH⑶发电日期8THJUNE99071214TH,OCT⑷密押、汇款编号TEST2876AOURREFTT200498180TT09266TEST87593OURREFTT10908-04⑸汇款金额、起息时间HKD34000,VALUE8JUNEUSD31,681.00USD38000.VALUE14,OCT.⑹收款人PRECISIONPHOTOEQUIPMENTLTD.JINXINGBUILDING22GUANGZHOUHuayuEngineManufacturingCo.Ltd.GUANGDONGCEREALSOILNFOODSTUFFSI/EGROUPCORP.⑺附言COMM.UNDERS/CNO.87364ContractGH680-23BEINGPROCEEDSUNDERS/CNO.CT89768⑻汇款人UnitedProsperityEnterprise,Inc,Tortol;BritishVirginIslandsWINFOODCO.LTD.⑼头寸划拨WEHAVECREDITEDYOURACCOUNTWITHUS.REIBURSEWITHBKOFNKYNYCREDITEDYOURH.O.ACCOUNT〔二中国农业银行市分行接受CHINANAT.METALS&MINERALSI/ECORP.的汇款申请,于2003年3月8日发送汇款电文。其中,汇入行是POSANGBANKLTD.,HONGKONG,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:AgriculturalBankofChina,GuangzhouTO:POSANGBANKLTD.,HONGKONGDATE8th,Mar.,2003TEST:_________________OURREFNO._________________NOANYCHARGESFORUSPAYHKD20,000.00VALUE8th,Mar.TOUnitedTradingCompanyHongKongFORCREDITINGACCOUNTNO.22-8MESSAGECOMM.UNDERS/CNO.CT0011-01ORDERCHINANAT.METALS&MINERALSI/ECORP.COVERPleasedebitouraccountwithyou.〔三中国农业银行市分行采用SWIFTM/T100汇款格式,将电报容输入电脑发送至汇入行POSANGBANKLTD.,HONGKONG。TO:POSANGBANKLTD.,HONGKONGFM:AgriculturalBankofChina,GuangzhouMT100CUSTOMERTRANSFER:20TRANS.REFNO.:___________________________:32AVAL/CUR/AMOUNT:20030308HKD20,000.00:50ORDERINGCUSTOMER:CHINANAT.METALS&MINERALSI/ECORP:52AORDERINGBANK:AgriculturalBankofChina,Guangzhou:53ASENDER’SCORRESPONDENT:___________________________________:54ARECEIVER’SCORRESPONDENT:___________________________________:56INTERMEDIARYBANK:___________________________________:57AACCOUNTWITHBANK:POSANGBANKLTD.,HONGKONG:59BENEFICIARY:UnitedTradingCompanyHongKong:70DETAILSOFPAYMENT:COMM.UNDERS/CNO.CT0011-01:71ADETAILSOFCHARGES:Ben.:72BANKTOBANKINFORMATION:Pleasedebitouraccountwithyou.三、信汇中的委托书和支付授权书〔一汇出行IndustrialandCommercialBankofChina,Shangdong根据业务容,填写支付授权书。①Date:15thSept.,2002；②PayingBank:HongkongandShanghaiBankingCorp.Ltd.,HongKong;③RefNo.MT28376;④Amount:HKD30,000.00；⑤Cover:PleasedebitourA/Cwithyou；⑥Message:CommissionunderS/CNO.FB9768；⑦Payee:WinFoodCompany,Ltd.,HongKong；⑧Remitter:ShangdongCerealsOil&FoodstuffsI&EGroupCorp.IndustrialandCommercialBankofChinaShangdongPAYMENTORDERDate:15thSept.,2002ToHongkongandShanghaiBankingCorp.Ltd.,ToHongkongandShanghaiBankingCorp.Ltd.,HongKongNo.ofpaymentorderTobepaidorcreditedtoAmountMT28376WinFoodCompany,Ltd.,HongKongHKD30,000.00Amountinwords:THIRTYTHOUSANDHKDOLLARSByorderofShangdongCerealsOil&FoodstuffsI&EGroupCorp.RemarksCommissionunderS/CNO.FB9768XYouareauthorizedtodebitouraccountwithyou.WehavecreditedyourA/Cwithus.FundsremittedtoyouviaIndustrialandCommercialBankofChina〔二1999年3月18日,中国银行分行收到中国银行分行信汇委托书,中国银行分行按信汇委托书所示容对其进行审核。中国银行分行BANKOFCHINA,HONGKONGBRANCH下列汇款,请即解付,如有费用请扣。日期15,March,1999,Guangzhou我已贷记你行账户。此致此致敬礼followingpaymentlessyourchargesifany.Incover,wehavecreditedyouraccountwithus.信汇No.ofMailtransfer收款人Tobepaidto金额AmountMT992568RuiqiGarmentCo.Ltd.,Guangzhoua/cNo.34568-113HKD200,000.-大写金额AmountinWords:DollarsTwoHundredThousand附言:BeingProceedsunderMessageS/CNo.99CC03026汇款人ByorderofUniversalGarmentImp.&Exp.Co.HongKong中国银行香港分行BANKOFCHINA,HONGKONG⑴汇出行⑵汇入行⑶收款人RuiqiGarmentCo.Ltd.,Guangzhou⑷汇款人UniversalGarmentImp.&Exp.Co.,HongKong⑸汇款货币及金额HKD200,000.⑹款项用途BeingProceedsunderS/CNo.99CC03026⑺汇款头寸划拨指示wehavecreditedyouraccountwithus.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WileteccCo.,Ltd.,HongKong提交的汇票,按所给问题对汇票进行审核和处理。BANKOFCHINAThisdraftisvalidforoneNo.1256679yearfromthedateofIssueAmountUSD20,000.00Guangzhou,15th,May,2002PaytotheorderofWileteccCo.,Ltd.,NewYorkthesumofU.S.DollarsTwentyThousandOnlyToBankofChina410MadisonAvenueNewYorkBANKOFCHINA110017GUANGZHOU中国银行中国银行⑴汇出行BANKOFCHINA,GUANGZHOU⑵汇入行BankofChina,410MadisonAvenue⑶收款人WileteccCo.,Ltd.,NewYork⑷汇款人⑸汇款货币及金额U.S.D20,000.00⑹汇票的付款期限Atsight⑺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⑻是否是中心汇票？是一美元的中心汇票五、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,按其所示容进行处理。〔一退汇电文一WereturnherewithyourDraftNo.C249/7681forUSD200,000.00forcredittoouraccount786-723987-023AngloInternationalCo.andregrettoadvisethatweareunabletodeposittheproceedstothecaptionedaccountbecausethenameofthepayeediffersfromourrecords.ItshouldreadasAngloInternationalCo.Ltd.┄〔二退汇电文二OurDraftNo.3893-987dated20May2002forAUD105,000.00forcredittoGoodluckCo.Ltd.,referringtothecaptioneditem,weareinformedbytheremitterthattheabovementioneddrafthasgoneashtrayinmaildelivery.Inthisconnection,weshallbemuchobligedifyouwillcancelthesaiddraftfromyourrecordsandreturntherelativeadviceofdrawingtous.〔三退汇通知书YourRemittancereceiptNo.TT56343forHKD65,000.00datedAug.30,2001payabletoA/CNo.86754forA/CofBBBCo.withreferencetotheabove,wereturnherewiththeremittancereceipttoyouforthefollowingreason<s>:NoaccountXAccountclosedNameNA/CnotmatchedInsufficientdetailtoidentifyKindlyacknowledgereceiptbysigningandreturningtoustheattachedcopyofthisletter.业务及处理退汇电文一退汇电文二退汇通知书⑴汇款基本情况DraftNo.C249/7681forUSD200,000.00forcredittoouraccount786-723987-023AngloInternationalCo.DraftNo.3893-987dated20May2002forAUD105,000.00forcredittoGoodluckCo.Ltd.YourRemittancereceiptNo.TT56343forHKD65,000.00datedAug.30,2001payabletoA/CNo.86754forA/CofBBBCo.⑵退汇理由weareunabletodeposittheproceedstothecaptionedaccountbecausethenameofthepayeediffersfromourrecordsdrafthasgoneashtrayinmaildeliveryAccountclosed⑶退汇的银行汇入行汇出行汇入行⑷银行的处理汇出行与汇款人取得联系,确认收款人名称cancelthesaiddraftfromyourrecordsandreturntherelativeadviceofdrawingtous.办理退汇手续六、汇款的查询根据汇出行和汇入行所给查询电文和查询书,按其所示容进行处理。〔一电文一Re:OurP.O.RefH783746DatedFeb.20,2000Thebeneficiaryclaimsnon-receiptofthefundsuptodate,youarekindlyrequestedtoinvestigatethismatterandrevertbytelex.〔二〔电文二Re:OurP.O.Ref8976224DatedJuly10,2001PleasefurnishuswithmoreinformationsuchascontractNo.,thenameofthegoodsandthequantity,becausethebeneficiaryareunabletoapplywiththeinformationgiven.〔三电文三Re:OurP.O.RefJ67398DatedNov.18,2001Pleaseletuslearnthefulladdressofthepayeeofyourabovepaymentorder,aswehavebeenunabletolocatethemandareholdingyourorderpending.〔四电文四Re:OurP.O.Ref563765DatedJan.7,2000Ifthepaymenthasalreadybeeneffected,pleaseforwardusthepayee’sreceipt.〔五查询书一XXXBankTo:YYYBankOurDD/MT/TTNo.TT200498dated8thJune2002forUSD505,000.infavourofKimHwaTextilesCo.,89Werefertotheaboveremittanceandrequestyoutotakenoteofthefollowingitem<s>marked"X"andactaccordingly:Wehavereceivedyourletter/cabledatedThenameandaddressofthepayeeareamendedtoreadasfollow:XTheremitterhasinformedusthattheaboveremittancehadnotyetbeenreceivedbythepayeeuptodate.□Ifthepaymenthasalreadybeeneffected,pleaseforwardthepayee’sreceipttous.XKindlyconfirmtousbymail/cable/thedateofpaymentoftheremittance.TheaboveDDhasbeenreturntousforcacellation.TheaboveDDhasbeenreportedlastandshouldbetreatedascancelled,pleaseconfirmthatyouhaveplacedstoppaymentonthisDD.Attherequestoftheremitterpleasecanceltheaboveremittanceimmediately,ifunpaidandcredittheamounttoouraccountwithyouafterdeductingyourchargesifany,underadvicetous.XXXBank〔六查询书二XXXBankTo:YYYBankRe:YourTT999888dated990323forUSD8,900.PayabletoHingLongMagnetronicCo.Ltd.Werefertotheabovementioneditemandwouldliketoadviseyouasmarked"X"below:Thepaymentorderisnotproperlysigned,pleaseconfirmitsregularity.XTheamountinwordsandfiguresonthepaymentorderdiffer,pleaseconfirmthecorrectamount.Paymentwaseffectedon_______,aphotocopyofthebeneficiary’sreceiptisenclosedforyourreference.Thebeneficiarycannotbelocatedattheaddressgiven,pleasegivefurth