chapter3Remittance详解.ppt

1、LOGO,Chapter 3 Remittance,In this chapter, we will learn: 1.Remittance and reverse remittance 2. Types, parties and procedures of remittance 3. Practice of remittance 4. Comparisons among the three types of remittance. 5. Reimbursement of remittance,Objectives,Some word or expressions,Favorable exch

2、ange Adverse exchange Outward remittance Inward remittance Of ones own accord Currency conversion Payment order Mail transfer advice Reimbursement In cover,remittance 顺汇 reverse remittance 逆汇 汇出汇款 汇入汇款 自愿地，主动地 货币汇兑 支付委托书 信汇通知书 偿付 作为偿付,Outline of remittance,3.1 Remittance 头寸调拨 .) 汇款头寸偿付指汇出行办理汇出业务时应及时

3、将汇款金额拨交给解付汇款的汇入行的行为，俗称拨头寸。,3.2.1 Parties to a Remittance,(3) Paying bank(汇入行或解付行) Pay in strict compliance with the P.O. and authenticate the relevant signature or test key. Usually make payment after its receipt of the funds from the remitting bank. (4)Beneficiary (exporter/payee) To receive the re

4、mittance,3.2.1 Parties to a Remittance,境外汇款申请书填报说明,(1)境外汇款申请书:凡采用电汇,票汇或信汇方式对境外付款的机构或个人(统称汇款人),须逐笔填写此申请书. (2)日期:指汇款人填写此申请书的日期.“ (3)申报号码:根据国家外汇管理局有关申报号码的编制规则,由银行编制(此栏由银行填写). (4)银行业务编号:指该笔业务在银行的业务编号(此栏由银行填写). (5)收电行/付款行:(此栏由银行填写) (6)汇款币种及金额:指汇款人申请汇出的实际付款币种及额. (7)现汇金额:汇款人申请汇出的实际付款金额中,直接从外汇账户(包括外汇保证金账户)中

5、支付的金额,汇款人将从银行购买的外汇存入外汇账户(包括外汇保证金账户)后对境外支付的金额应作为现汇金额.汇款人以外币现钞方式对境外支付的金额作为现汇金额.,“(8)购汇金额:指汇款人申请汇出的实际付款金额中,向银行购买外汇直接对境外支付的金额.” “(9)其他金额:指汇款人除购汇和现汇以外对境外支付的金额.包括跨境人民币交易以及记账贸易项下交易等的金额. (10)账号:指银行对境外付款时扣款的账号,包括人民币账号,现汇账号,现钞账号,保证金账号,银行卡号.如从多个同类账户扣款,填写金额大的扣款账号.,(11)汇款人名称及地址:对公项下指汇款人预留银行印鉴或国家质量监督检验检疫总局颁发的组织机构

6、代码证或国家外汇管理局及其分支局(以下简称外汇局)签发的特殊机构代码赋码通知书上的名称及地址;对私项下指个人身份证件上的名称及住址. (12)组织机构代码:按国家质量监督检验检疫总局颁发的组织机构代码证或外汇局签发的特殊机构代码赋码通知书上的单位组织机构代码或特殊机构代码填写.,(13)个人身份证件号码:包括境内居民个人的身份证号,军官证号等以及境外居民个人的护照号等. (14)中国居民个人/中国非居民个人:根据国际收支统计申报办法中对中国居民/中国非居民的定义进行选择. (15)收款银行之代理行名称及地址:为中转银行的名称,所在国家,城市及其在清算系统中的识别代码. (16)收款人开户银行名

7、称及地址:为收款人开户银行名称,所在国家,城市及其在清算系统中的识别代码. (17)收款人开户银行在其代理行的账号:为收款银行在其中转行的账号.,(18)收款人名称及地址:指收款人全称及其所在国家,城市. (19)汇款附言:由汇款人填写所汇款项的必要说明,可用英文填写且不超过140字符(受SWIFT系统限制).“ (20)国内外费用承担:指由汇款人确定办理对境外汇款时发生的国内外费用由何方承担,并在所选项前的中打. (21)收款人常驻国家(地区)名称及代码:指该笔境外汇款的实际收款人常驻的国家或地区.名称用中文填写,代码根据国家(地区)名称代码表填写.,(22)交易编码:应根据本笔对境外付款交

8、易性质对应的国际收支交易编码表(支出)填写.如果本笔付款为多种交易性质,则在第一行填写最大金额交易的国际收支交易编码,第二行填写次大金额交易的国际收支交易编码;如果本笔付款涉及进口付汇核销项下交易,则核销项下交易视同最大金额交易处理;如果本笔付款为退款,则应填写本笔付款对应原涉外收入的国际收支交易编码. (23)相应币种及金额:应根据填报的交易编码填写,如果本笔对境外付款为多种交易性质,则在第一行填写最大金额交易相应的币种和金额,第二行填写其余币种及金额.两栏合计数应等于汇款币种及金额;如果本笔付款涉及进口付汇核销项下交易,则核销项下交易视同最大金额交易处理. (24)交易附言:应对本笔对境外

9、付款交易性质进行详细描述.如果本笔付款为多种交易性质,则应对相应的对境外付款交易性质分别进行详细描述;如果本笔付款为退款,则应填写本笔付款对应原涉外收入的申报号码. (25)外汇局批件/备案表号:指外汇局签发的,银行凭以对外付款的各种批件或进口付汇备案表号.,“(26)报关单经营单位代码:指由海关颁发给企业的自理报关单位注册登记证明书上的代码. (27)报关单号:指海关报关单上的编码,应与海关报关数据库中提示的编码一致.若有多张关单,表格不够填写,可附附页. (28)最迟装运日期:指货物的实际装运日期.境外工程物资和转口贸易项下的支付中最迟转运日期应为收汇日期. (29)购汇汇率(银行专用栏)

10、:指对境外汇款金额中,以人民币购汇部分的汇率.,CREDIT SUISEE B070 ZURICH,201707609000039,IVOCLAR VIVADENT AG,USD 34581.04,YUNLAN FREEDOM IMP. (2)receipt (3)sends P.O. instructing paying bank to make payment (4)after authenticating, notifies the payee (5)upon receipt, the payee provides the paying bank a receipt (6)the pay

11、ing bank debited the remitting banks a/c and make payment (7)sends the debit advice and payment receipt from payee to the remitting bank,Procedure for M/T,汇款人填写汇款申请书，交款付费给汇出行,汇款人取回回执,委托汇入行 解付汇款给收款人,汇入行收到后，核对签字，缮制汇款通知书，通知收款人收款,收款人收到通知书后，在收款联上盖章，交汇入行,汇入行借记汇出行帐户，取出头寸，解付汇款给收款人,汇入行将借记单和来自收款人的回执书寄给汇出行，通知它

12、汇款解付完毕,on 9 June, Crystal Palace Hotel, Tianjin entrust Bank of Asia, Tianjin remit USD 1660 to Marie Clauda Dumont, Luxemburg, whose account no. 0-164/7295/550 in Bank of Asia, Luxemburg Message: payroll Test:2563 Ref No. 208TT0219 Remitting bank maintain an USD account in paying bank.,Bank of Asia

13、,Bank of Asia, Luxemburg,208TT0219,Marie Clauda Dumont, Luxemburg,USD 1660,Crystal Palace Hotel, Tianjin,payroll,US DOLLARS ONE THOUSAND SIX HUNDRED AND SIXTY,Bank of Asia,Remittance by telegraphic transfer,Remittance by cable/telex/SWIFT is called telegraphic transfer (T/T). The remitting bank ,at

14、the request of the remitter, transfers funds by means of cable/telex/SWIFT message to the paying bank, asking the latter to pay a certain sum of money to the beneficiary.,Beneficiary,Remitter,Paying bank,Remitting bank,(1),(2),(3),(4),(5),(6),(7),(1)Remittance application with funds and commission.

15、(2)Receipt (Checks the remitters account and debits the account.) (3)Sends payment instruction to the paying bank by cable/telex/SWIFT, instructing it to make payment. (4)After checking the documents sent by the remitting bank, notifies the beneficiary. (5)Upon receipt, the beneficiary provides the

16、paying bank a receipt (6)The paying bank debits the remitting banks a/c and makes payment (7)Sends the debit advice and payment receipt from the beneficiary to the remitting bank,Procedure of Telegraphic Transfer,TO:THE CHASE MANHATTAN BANK N.A.,NEW YORK FM:BANK OF CHINA, BEIJING DATE:30TH SEP.,11 T

17、EST XXXX OUR REF.TT109900/96 PAY USD200,000. VALUE 30 SEP.11 TO BANQUE NATIONAL DE TUNISIE TUNIS FOR CREDIT OF A/C NO.Y10-0127-033254 OF CORPORATION INTERNATIONAL DES EAUX ET DE IEL ECTRICTE DE CHINA MESSAGE REMIT FOR CUSTOMS DUTY ORDER INTERNATIONAL WATER AND ELECTRIC CORP.BEIJING COVER PLEASE DEBI

18、T OUR ACCOUNT WITH YOU,汇入行,汇出行,发报日,密押,业务备查号,汇款 金额,汇款人,头寸划拨指示: 借记我行(汇出行)账户,Payment instruction send by telex / cable,TO BANQUE NATIONAL DE TUNISIE TUNIS FOR CREDIT OF A/C NO.Y10-0127-033254 OF CORPORATION INTERNATIONAL DES EAUX ET DE IEL ECTRICTE DE CHINA,收款人的账户行,收款人账号,收款人名称,BANQUE NATIONAL DE TUNISI

19、E TUNIS,A/C NO.Y10-0127-033254,CORPORATION INTERNATIONAL DES EAUX ET DE,IEL ECTRICTE DE CHINA,FM:汇出行 TO:汇入行 DATE:发电日期 TEST：密押 OUR REF NO.：汇款编号 NO ANY CHARGES FOR US： 我行不负担费用 PAY (AMT) VALUE (DATE) TO (BENEFICIARY) MESSAGE附言 or DATAILS OF PAYMENT ORDER/BY ORDER OF (B/O) 汇款人 COVER 头寸拨付,收款人：,PAY TO BAN

20、K （收款人的帐户行）FOR CREDITING A/C NO. OF payee 收款人的账户行是第三家银行,Telex/cable电报/电传汇款格式,PAY TO YOURSELVES （收款人的帐户行）FOR CREDITING A/C NO. OF payee 收款人的账户行是汇入行,on 9 June, Crystal Palace Hotel, Tianjin entrust Bank of Asia, Tianjin remit USD 1660 to Marie Clauda Dumont, Luxemburg, whose account no. 0-164/7295/550

21、 in Bank of Asia, Luxemburg Message: payroll Test:2563 Ref No.208TT0219 Remitting bank maintain an USD account in paying bank.,Answer,FM: Bank of Asia, Tianjin TO: Bank of Asia, Luxemburg DATE: 9th June TEST: 2563 OUR REF NO.:208TT0219 NO ANY CHARGES FOR US PAY USD 1,660.00 VALUE 9th June TO YOURSEL

22、VES FOR CREDITING A/C NO. 0-164/7295/550 OF Marie Clauda Dumont MESSAGE payroll ORDER Crystal Palace Hotel,Tianjin COVER Debit our H.O. account,LOGO,SWIFTMT103,some points in the Text block of SWIFT,Field: mandatory field/ optional field Date: YYMMDD figures: 不用分隔号，小数点用逗号来表示 9,876,543.219876543,21 1

23、0%10 percent currency: 三位大写英文字母 HKD CAD AUD SGD JPY CNY,MT103,MT103 is one of the MT message types. This message type is sent by or on behalf of the financial institution of the ordering customer, directly or through correspondent, to the financial institution of the beneficiary customer.,MT103 Sing

24、le Customer Credit Transfer 客户汇款请求调拨资金,SWIFT MT103汇款格式,MT103 CUSTOMER TRANSFER Date: 100930 Sent to: CHAS US 33 REM Chase Manhattan New York n.y :20/ TT109900/96 :23B/ CRED :32A/ 100930USD200000,00 :50/ CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING :57/ BANQUE NATIONAL DE TUNISIE, TUNIS :59/ Y

25、10-0127-033254 CORPORATION INTERNATIONAL DES EAUX ET DE IELECTRICTE DE CHINE :70/ REMIT FOR CUSTOMS DUTY. :71A/ BEN :72/ COVER DEBIT US,问题 请找出该汇款电文中的当事人,汇款金额,款项用途,费用支付的相关规定。,SWIFT MT202 General Financial Institution Transfer 单笔银行头寸调拨,Value 27 May 2012, Franz Holzapfel G.m.b.H. orders Bank Austria, V

26、ienna, to pay pounds sterling 120,850 into H.F. Janssens account (number 125-00698) with ABN Amro Bank, Amsterdam. Bank Austria sends two SWIFT messages: 1. A customer transfer request to ABN Amro Bank, Amsterdam, using reference 494934/DEV. 2. A cover message for the Pounds Sterling payment, which

27、is provided through its account number 15158000 at Midland Bank, London.,Cover method 头寸付款方式,MT103 Date: 120527 From: BKAUATWW （Bank Austria, Vienna） Sent to: ABNANL2A （ABN AMRO BANK AMSTERDAM） :20/ 494934/DEV :23B/ CRED :32A/ 120527 GBP 120850,00 :50/ FRANZ HOLZAPFEL G.M.B.H.VIENNA :53A/ MIDLGB22 （

28、MIDLAND BANK, LONDON） :59/ 125-00698 H.F. JANSSEN, AMSTERDAM :71A/ SHA,MT202 Date: 120527 From: BKAUATWW （Bank Austria, Vienna） Sent to: MIDLGB22 （MIDLAND BANK, LONDON） :20/ 213804/887 :21/ 494934/DEV :32A/ 120527 GBP 120850,00 :53B/ 15158000 (account used for reimburesement) :58A/ ABNANL2A （ABN AMR

29、O BANK AMSTERDAM）,Remittance by Bankers Demand Draft(小额支付),The remitting bank, at the request of the remitter, draws a bill of exchange on the paying bank ordering the latter to pay on demand a certain sum of money to the beneficiary who will also be the payee of the draft.,remitter,Beneficiary,Remi

30、tting Bank (drawer),Paying Bank (drawee),1) D/D application,2)Bank demand draft,4)bank demand draft,5)Presenting,6)payment,7)Debit advice,Remittance by D/D,3)Draw a demand draft and notify,Not Negotiable,Bankers Demand Draft 银行即期汇票,Paying bank,Payee,Remit fund by D/D,on 9 June, Crystal Palace Hotel,

31、 Tianjin entrust Bank of Asia, Tianjin remit USD 1660 to Marie Clauda Dumont, Luxemburg, whose account no. 0-164/7295/550 in Bank of Asia, Luxemburg Message: payroll Test:2563 Ref No.208TT0219 Remiting bank maintain an USD account in paying bank.,The drawer is：_ The drawee is: _ The payee is：_ The d

32、raft is: _draft,exporter,importer,remitting bank,sight,In D/D, the draft is a special draft, please use the giving words to fill in the blanks.,paying bank,usance,remitting bank,paying bank,exporter,sight,Exercise,PT. Trade Corporation, 310 Vtra Montreal Canada. order Bank of Montreal, Montreal to p

33、ay Jiangsu Import & Export trade corporation, 333 zhonghua road Suzhou China (number 6222-2110-0536-3668) with Bank of China, Suzhou. Both BOM (account No. within citibank is 186978542 ) and BOC have their US dollars account at Citibanks New York office.,2 Comparison of the M/T, T/T and D/D,3.4 Appl

34、ication of Remittance in International Trade,Payment in advance (预付货款): The importer will make payment to the exporter before the delivery of goods or the provision of services. Open account（赊销）: The importer will make payment to the exporter after arrival of goods or provision of services. Consignment （寄售，寄销）： The importer will make payment to the exporter only when the goods are sold to a third party.,汇款中的货币 为汇出国的货币USD,Remitting Bank In US,Paying Bank In UK,1.In cover, we have credited your a/c with us.,2.Your a/c has been credited.,accounting bank 账户行,depositor bank 存款行,汇款指示中