国际结算-小结-Remittance

Remittance&Collection汇款托收Settlementclassified:Remittance顺汇:ThebuyertakestheinitiativeinremittingmoneytothesellerthroughabankReverseRemittance逆汇Collection,LetterofCreditRemittanceRemittancemeansthecross-borderdirecttransferoffundsbybanks.Theremittingbankpaysapredeterminedamountontherequestofremitter(importer)throughtheforeigncorrespondentbankoragentbank(payingbank)topayee/beneficiary(exporter).Threebasicwaysforabanktotransferfundsforitsclientfromthehomecountrytoabroad.telegraphictransferTTmailtransferMTdemanddraftDDT/Tistotransferfundsbycable/telex/SWIFTsentbyaremittingbank,attherequestoftheremitter.Itinstructsthepayingbanktopayacertainsumofmoneytothebeneficiary.WorkflowofT/TM/T(4)Remittancebycable/telex/SWIFT---TelegraphicTransfer(T/T)DifferencesbetweenM/TandT/Tinthefollowingsteps:P48Step1:AgreeM/Tasmethodofpayment;Step2:ChooseM/Tonapplication;andStep4:TheremittingbanksendspaymentordertothepayingbankviaairmailRemittancebybanker’sdemanddraft(D/D)Theremittingbankattherequestoftheclientdrawsabanker’sdraftonitsoverseasbranchoritscorrespondentbankabroadorderingthelattertopayondemandthestatedamounttotheholderofthedraft.Itisoftenusedwhentheclientwantstotransferthefundstothebeneficiarybyhimself.Pleaseidentifythedrawer,draweeandpayeeofthedraftunderD/DReimbursementofremittance汇款偿付P49ThesettlementbetweenremittingbankandpayingbankCredityourA/Cwithus主动贷记（汇入行在汇出行有账户）DebitourA/Cwithyou授权借记AuthorizeBankXtodebitourA/CandcredityourA/Cwiththem共同账户行InstructBankXtopaytheproceedstoyouraccountwithBankYComparisonofT/T,M/T,D/DT/T:fastest,mostexpensive,mostreliableformofmoneytransferbecauseitdependsontheinter-banktransfersystemM/T:slow,notveryexpensive,lessreliablebecausethemailedM/Torpaymentordercouldbedelayed.D/D:slowest,leastexpensive,lessreliablebecausethecustomershouldbeartheriskoftheft,destructionorlossofthedraftintransit3.2.Collection（URC522）Collectionmeansthemethodforhandlingfinancialandcommercialdocumentsbybanksinaccordancewithinstructionfromprincipalinorderto:obtainpaymentand/oracceptance;deliverdocumentsagainstpaymentand/oragainstacceptanceCollectionisatypeofreverseremittancesettlementoncommercialcreditbasis.Fourmainpartiestoacollectiontransaction权利义务P53theprincipal(seller/exporter/drawer)theremittingbank(principal’s/seller’s/exporter’sbank)thecollectingbankthedrawee(buyer/importer)Otherparties:thepresentingbanktherepresentativeincaseofnee