国际结算实验三答案

实验素材一、汇款申请书2003年3月8日，CHINANAT.METALS&MINERALSI/ECORP.向中国农业银行广州市分行提交下面这张汇款申请书，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：中国农业银行广州分行

TO:THEAGRICULTURALBANKOFCHINA日期DATE:2003年3月8日兹委托贵行办理下列汇款。I/Weherebyrequestyoutoeffectthefollowingremittance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'snameUnitedTradingCompany

HongKong币别及金额

Curr.&Amt.及地址

&address70WingTaiRoad,ChaiWanHongKongHKDollars20,000.00账号A/CNo.0709166060322-8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.手续费(Commission)附言

DetailsofPaymentCOMM.UNDERS/CNO.CT0011-01邮电费(Postage&Cable)其他费用(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。

Allforeignbankschargesaretobebornebyus/payee(ifnotspecified,allchargesaretobebornebypayee).Allpartiesinthechannelareadvisedbytelex.请付敝账(Debitmy/ouraccount)，账号(a/cNo.)兹附支票(Enclosemy/ourcheque)，号码为(No.)付款行(Drawnon)现金支付(I/Wepaycashherewith)，联系电话(TEL)83738789申请人签章张青Applicant's

Stamp&Signature

经办：会计：复核：记账：(1)汇款方式电汇(T/T)(2)汇款人公司名称CHINANAT.METALS&MINERALSI/ECORP.(3)收款人公司名称、地址UnitedTradingCompany

HongKong\70WingTaiRoad,ChaiWanHongKong(4)汇款金额HKDollars20,000.00(5)款项用途COMM.UNDERS/CNO.CT0011-01(6)银行费用由哪方支付收款人(7)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HKDollars20,822.51(8)银行在哪些情况下可免责1、有关电汇汇款的一切电文，本行可用显白言语、暗码或密码发出，对于代理行或同业之一切错误、疏忽或过失，本行概不负责。2、.倘因下列情况而引致之任何损失，包括：款项交付或通知延误，书函、电报或其他文件在寄发或传送途中遗失、残缺、错误、遗漏、中断或延误，代理行或同业之行为，战争，检查，封锁，叛变或骚乱，本地或外国政府或其他行政机构所实施之一切法律、规令、条例、管制及其他难以控制之事故，或由于收到时误解，本行概不负责。3、如汇款系代汇款人寄出，本行不负邮误之责。(9)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1、国际收支申报表2、贸易进口付汇核销单3、进口付汇备案表4、汇款有效凭证（正本合同、发票、进出口货物报关单、运输保险单据）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，将汇款业务指示内容填列出来。1.电文一：汇出汇款FM:HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONG

TO:THEAGRICULTURALBANKOFCHINAGUANGZHOU

DATE:8THJUNE

TEST2876AOURREFTT200498

PLSPAYHKD34000.VALUE8JUNETOACCOUNTNO.764583934-128FAVOURPRECISIONPHOTOEQUIPMENTLTD.JINXINGBUILDING22GUANGZHOUMESSAGECOMM.UNDERS/CNO.87364ORDERCOVERWEHAVECREDITEDYOURACCOUNTWITHUS.2.电文二：汇入汇款...PCBCCNBJ

...BOFAUS3N

MT100CUSTOMERTRANSFERTRANSREF

VAL/CUR/AMOUNT

ORDERINGCUSTOMER

ORDERINGBANK

ACCOUNTWITH

BENEFICIARY

DETAILSOFPMT

DETAILSOFCHARGES

BANKTOBANKINF:20:180TT09266

:32A:990712:50,USD31,681.00

:50:UnitedProsperityEnterprise,Inc,

Tortol;BritishVirginIslands

:52:MidlandBankLtd.,London

:57A:BKOFCHINA

:59:HuayuEngineManufacturingCo.Ltd

:70:ContractGH680-23

:71A:BEN

:72:REIBURSEWITHBKOFNKYNY

3.电文三：汇入汇款FM:BANKOFAMERICA,NEWYORK

TO:INDUSTRIALANDCOMMERCIALBANKOFCHINA，GUANGDONGBRANCH

DATE:14OCT.

TEST87593OURREFTT10908-04

PLSPAYUSD38,000.00VALUE14,OCT.TOGUANGDONGCEREALSOILANDFOODSTUFFSI/EGROUPCORP.VIAA/CNO.310910079BEINGPROCEEDSUNDERS/CNO.CT89768ORDERWINFOODCO.LTD.COVERCREDITEDYOURH.O.ACCOUNT.电文一电文二电文三(1)汇出行HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONG

MidlandBankLtd.,LondonBANKOFAMERICA,NEWYORK(2)汇入行THEAGRICULTURALBANKOFCHINAGUANGZHOU

DATE:8THJUNEBKOFCHINAINDUSTRIALANDCOMMERCIALBANKOFCHINA，GUANGDONGBRANCH(3)发电日期8THJUNE99071214OCT(4)密押、汇款编号TEST2876AOURREFTT200498180TT09266TEST87593OURREFTT10908-04(5)汇款金额、起息时间PLSPAYHKD34000.VALUE8JUNE990712:50,USD31,681.00PLSPAYUSD38,000.00VALUE14,OCT.(6)收款人PRECISIONPHOTOEQUIPMENTLTD.JINXINGBUILDING22GUANGZHOUHuayuEngineManufacturingCo.Ltd

GUANGDONGCEREALSOILANDFOODSTUFFSI/EGROUPCORP(7)附言COMM.UNDERS/CNO.87364ContractGH680-23/BENVIAA/CNO.310910079BEINGPROCEEDSUNDERS/CNO.CT89768(8)汇款人HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONGUnitedProsperityEnterprise,Inc,

Tortol;BritishVirginIslandsWINFOODCO.LTD.(9)头寸划拨WEHAVECREDITEDYOURACCOUNTWITHUS.REIBURSEWITHBKOFNKYNYCREDITEDYOURH.O.ACCOUNT.(接第(一)题)（二）中国农业银行广州市分行接受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:THEAGRICULTURALBANKOFCHINAGuangzhouBranch

TO:POSANGBANKLTD.,HONGKONG

DATE：Mar,8th,2003

TEST

OURREFNO.

TT96785

NOANYCHARGESFORUS

PAY

HKDollars20,000.00VALUE

8March

TO

UnitedTradingCompany

HongKong

FORCREDITINGACCOUNTNO.

MESSAGE

allchargesaretobebornebybeneficiary

ORDER

CHINANAT.METALS&MINERALSI/ECORP.

COVER

pleasedebitour

accountwithyou

(接第(一)题)（三）中国农业银行广州市分行采用SWIFTMT100汇款格式，将电报内容输入电脑发送至汇入行POSANGBANKLTD.,HONGKONG。TO:POSANGBANKLTD.,HONGKONG

FM:THEAGRICULTURALBANKOFCHINA

MT100CUSTOMERTRANSFER:20TRANSREFNO.

:32AVAL/CUR/AMOUNT

:50ORDERINGCUSTOMER.

:52AORDERINGBANK.

:53ASENDER'SCORRESPONDENTBANK.

:54ARECEIVER'SCORRESPONDENTBANK.

:56INTERMEDIARYBANK.

:57AACCOUNTWITHBANK

:59BENEFICIARY

:70DETAILSOFPAYMENT

:71ADETAILSOFCHARGES

:72BANKTOBANKINFORMATION:__TT96785__

:__030308(起息日)HKDollars20,000.00__

:CHINANAT.METALS&MINERALSI/ECORP.

:

:______________________

:THEAGRICULTURALBANKOFCHINA

:______________________

:__POSANGBANKLTD.,HONGKONG____________________

:UnitedTradingCompanyHongkong.

:COMM.UNDERS/CNO.CT0011-01

:allchargesaretobebornebypayee

:_debitourouraccount__withyou_____三、信汇中的委托书和支付授权书（一）汇出行IndustrialandCommercialBankofChina,Shangdong根据业务内容，填写支付授权书。

①Date:15Sept.,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.IndustrialandCommercialBankofChina

Shangdong

PAYMENTORDERDate:

15

，

Sept.

，

2002

TO:HongkongandShanghaiBankingCorp.Ltd.,HongKongNo.ofpaymentorderTobepaidorcreditedtoAmountNo.MT28376WinFoodCompany,Ltd.,HongKongHKD30,000.00Amountinwords:

HKdollarsthirtythousands

Byorderof

ShangdongCerealsOil&FoodstuffsI&EGroupCorp.Remarks

Youareauthorizedtodebitouraccountwithyou.

□WehavecreditedyourA/Cwithus.

□FundsremittedtoyouviaIndustrialandCommercialBankofChina（二）1999年3月18日，中国银行广州分行收到中国银行香港分行信汇委托书，中国银行广州分行按信汇委托书所示内容对其进行审核。中国银行香港分行

BANKOFCHINA,HONGKONGBRANCH下列汇款，请即解付，如有费用请内扣。日期：15,March,1999,Guangzhou我已贷记你行账户。Pleaseadviseandeffectthe

followingpaymentlessyourcharges

ifany.Incover,wehavecreditedyour

accountwithus.此致

TOBANKOFCHINA，GUANGZHOU信汇号码

No.ofMailtransfer收款人

Tobepaidto金额

AmountMT992568RuiqiGarmentCo.Ltd.,Guangzhou

a/cNo.34568-113HKD200,000.00大写金额AmountinWords:H.K.DollarsTwoHundredThousand附言:BeingProceedsunderS/C汇款人MessageNo.99CC03026ByorderofUniversalGarmentImp.&Exp.Co.

HongKong中国银行香港分行

BANKOFCHINA,HONGKONG(1)汇出行BANKOFCHINA,HONGKONGBRANCH(2)汇入行BANKOFCHINA，GUANGZHOU(3)收款人RuiqiGarmentCo.Ltd.,Guangzhou

(4)汇款人UniversalGarmentImp.&Exp.Co.

(5)汇款货币及金额HKD200,000.00(6)款项用途BeingProceedsunderS/C,MessageNo.99CC03026(7)汇款头寸划拨指示wehavecreditedyour

accountwithus.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。(1)汇出行BankofChina,Guangzhou(2)汇入行BankofChina,410MadisonAvenueNewYork(3)收款人WileteccCo.,Ltd.,NewYork(4)汇款人No(5)汇款货币及金额U.S.DollarsTwentyThousandOnly(6)汇票的付款期限Oneyearfromthedateissue(7)客户提出汇票遗失，出票行的处理要求出具担保书，通知汇入行注销票根(8)是否是中心汇票是中心汇票是指以汇票票面货币的清算中心所在地银行为付款人的汇票，通常是货币的发行和结算中心。如某汇票的票面金额以美元表示，而美元的清算中心在纽约，因此汇出行在开立汇票汇票时，要选择一家位于纽约的与自己有业务代理关系的银行为汇票付款人。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，按其所示内容进行处理。（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.TT56343

forHKD65,00000datedAug.30,2001

payabletoA/CNo.86754

forA/CofBBBCo.

withreferencetotheabove,wereturnherewiththeremittancereceipttoyouforthefollowingreason(s):

Noaccount

Accountclosed

NameNA/Cnotmatched

Insufficientdetailtoidentify

Kindlyacknowledgereceiptbysigningandreturningtoustheattachedcopyofthisletter.业务及处理退汇电文一退汇电文二退汇通知书(1)汇款基本情况DraftNo.C249/7681forUSD200,000.00forcredittoouraccount786-723987-023AngloInternationalCo.DraftNo.3893-987dated20May2002forAUD105,000.00forcredittoGoodluckCo.Ltd.,HKD65,00000datedAug.30,2001

payabletoA/CNo.86754

forA/CofBBBCo(2)退汇理由payeediffersfromourrecordsdrafthasgoneashtrayinmaildeliveryAccountclosed(3)退汇的银行payingbankRemittingBankRemittingBank(4)银行的处理ReturnyourDraftcancelthesaiddraftfromyourrecordsandreturntherelativeadviceofdrawingtousKindlyacknowledgereceiptbysigningandreturningtoustheattachedcopyofthisletter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，按其所示内容进行处理。（一）电文一Re:OurP.O.RefH783746DatedFeb.20,2000

Thebeneficiaryclaimsnon-receiptofthefundsuptodate,youarekindlyrequestedtoinvestigatethismatterandrevertbytelex.（二）电文二Re:OurP.O.Ref8976224DatedJuly10,2001

PleasefurnishuswithmoreinformationsuchascontractNo.,thenameofthegoodsandthequantity,becausethebeneficiaryareunabletoapplywiththeinformationgiven.（三）电文三Re:OurP.O.RefJ67398DatedNov.18,2001

Pleaseletuslearnthefulladdressofthepayeeofyourabovepaymentorder,aswehavebeenunabletolocatethemandareholdingyourorderpending.（四）电文四Re:OurP.O.Ref563765DatedJan.7,2000

Ifthepaymenthasalreadybeeneffected,pleaseforwardusthepayee'sreceipt.（五）查询书一

XXXBankTo:YYYBank

OurDD/MT/TTNo.TT200498dated8June2002forUSD505,000.00

infavourofKimHwaTextilesCo.,89LondonSt.,Singapore

Werefertotheaboveremittanceandrequestyoutotakenoteofthefollowingitem(s)marked“X”andactaccordingly:

Wehavereceivedyourletter/cabledated

.

Thenameandaddressofthepayeeareamendedtoreadasfollow:

Theremitterhasinformedusthattheaboveremittancehadnotyetbeenreceivedbythepayeeuptothedate.

Ifthepaymenthasalreadybeeneffected,pleaseforwardthepayeesreceipttous.

Kindlyconfirmtousbymail/cablethedateofpaymentoftheremittance.

TheaboveDDhasbeenreturntousforcacellation.

TheaboveDDhasbeenreportedlastandshouldbetreatedascancelled,pleaseconfirmthatyouhaveplacedstoppaymentonthisDD.

Attherequestoftheremitterpleasecanceltheaboveremittanceimmediately,ifunpaidandcredittheamounttoouraccountwithyouafterdeductingyourchargesifany,underadvicetous.XXXBank

（六）查询书二

XXXBankTo:YYYBank

Re:YourTT999888dated990323forUSD8,900.00PayabletoHingLongMagnetronicCo.Ltd.

Werefertotheabovementioneditemandwouldliketoadviseyouasmarked“X”below:

Thepaymentorderisnotproperlysigned,pleaseconfirmitsregularity.

Theamountinwordsandfiguresonthepaymentorderdiffer,pleaseconfirmthecorrectamount.

Paymentwaseffectedon

,aphotocopyofthebeneficiarysreceiptisenclosedforyourreference.

Thebeneficiarycannotbelocatedattheaddressgiven,pleasegivefurtherinformation.

Name/addressofthebeneficiaryisincomplete,pleasegivefulldetails.

Beneficiary'sname/accountnumberdoesnotmatchwiththatinourrecords

Pleasefurnishuswiththecorrectinformation.(Theaccountname/numbershouldread

).

Thebeneficiary'snamediffersfromthatinhis/her