Chapter Four International____ Bank____ Remittance.ppt

1、2020/10/13,广东金融学院马飞,1,Chapter Four,International Bank Remittance,汇款结算方式,2020/10/13,广东金融学院马飞,2,In this chapter, you will learn,Remittance and reverse remittance Methods, parties and procedures of remittance Advantages and disadvantages of remittance Practice of remittance(reimbursement) The function

2、of remittance in international trade,2020/10/13,广东金融学院马飞,3,The remittance is that the funds flow in a favorable direction to the payment instructions transmitted therefrom.,The reverse remittance is that the funds flow in a contrary direction to the payment instructions transmitted therefrom.,Remitt

3、ance and reverse remittance,逆汇,顺汇,资金流向与支付指示方向一致。,资金流向与支付指示方向相反。,2020/10/13,广东金融学院马飞,4,Funds flow,Payment instruction,Payer,Importers Bank,Exporters Bank,Beneficiary,Remittance,Remittance,2020/10/13,广东金融学院马飞,5,Funds flow,Payment instruction,Payer,Importers Bank,Exporters Bank,Beneficiary,Reverse remi

4、ttance,Collection,Letter of credit,2020/10/13,广东金融学院马飞,6,General Description,4.1,2020/10/13,广东金融学院马飞,7,4.1 General Description,4.1.1 Definition of a international bank remittance,A client(payer) asks his bank (remitting bank), by one of the transfer methods at his option to send a sum of money to it

5、s branch or correspondent or accounting bank (paying bank) in another country and instructing the latter to pay a certain amount of money to a beneficiary.,2020/10/13,广东金融学院马飞,8,汇款方式的定义,银行接受客户的委托，使用一定的结算工具， 通过其在海外的分支机构或代理行，把款项付给 国外收款人的一种结算方式。,分类标准,收款人,汇出行,汇入行,汇款人,2020/10/13,广东金融学院马飞,9,4.1.2 Parties

6、concerned,Remitter,Remitting Bank,Paying Bank,Payee,Requests his bank to remit funds to a beneficiary in a foreign currency.,Transferring funds at the request of a remitter to its correspondent or its branch in another country and instructing the latter to pay a certain amount of money to a benefici

7、ary.,Entrusted by the remitting bank to pay a certain amount of money to a beneficiary.,Who is addressed to receive the remittance.,2020/10/13,广东金融学院马飞,10,、汇款人(Remitter) 、汇出行(Remitting Bank) 、汇入行(Paying Bank) 、收款人(Payee/Beneficiary),接受汇款的人。,向银行交出款项，申请汇出 汇款的人。,接受汇款人的委托，办 理汇出汇款业务的银行。,汇款方式的当事人,接受汇出行的委托

8、，解付汇款 给收款人的银行，即办理汇入 汇款的银行。,2020/10/13,广东金融学院马飞,11,汇款人 汇出行 汇入行,汇款当事人之间的关系,汇款申请书,汇款电文 支付书 票据,委 托 业 务,客户、 账户行,海外分行、 代理行、 账户行,2020/10/13,广东金融学院马飞,12,4.1.3 Methods and procedures,1.Telegraphic Transfer(T/T)电汇,Remitting bank transmitted instructions to paying bank by cable/telex/SWIFT.,2020/10/13,广东金融学院马飞

9、,13,Diagram,Remitter,Beneficiary,Paying Bank,3.Cable/telex/SWIFT,7.Debit advice,1.T/T application,2.T/T receipt,4.Notify the beneficiary,6. Funds,5. Signed for payment,Remitting Bank,2020/10/13,广东金融学院马飞,14,电汇流程,汇款人,收款人,汇出行,汇入行,电汇申请书 交款付费,电汇回执,加押电报或电传,借记通知书,电汇通知书,收款人收据,解付,2020/10/13,广东金融学院马飞,15,2.Mai

10、l Transfer(M/T)信汇,Remitting bank transmitted instructions to paying bank by airmail of a payment order or mail advice. 支付委托书/信汇委托书,2020/10/13,广东金融学院马飞,16,Diagram,Remitter,Beneficiary,Paying Bank,3.Payment order airmail advice,7.Debit advice,1.M/T application,2.M/T receipt,4.Notify the beneficiary,6.

11、 Funds,5. Signed for payment,Remitting Bank,2020/10/13,广东金融学院马飞,17,信汇流程,汇款人,收款人,汇出行,汇入行,信汇申请书 交款付费,信汇回执,信汇委托书或支付委托书,借记通知书,信汇通知书,收款人收据,解付,信 汇,信汇,信 汇,邮寄,2020/10/13,广东金融学院马飞,18,3.Remittance by bankers demand draft(D/D) 票汇,Remitting bank draw a bankers draft on paying bank ordering the latter to pay on

12、demand the stated amount to the holder of the draft. 银行即期汇票,2020/10/13,广东金融学院马飞,19,Diagram,Remitter,Beneficiary,Paying Bank,7.Debit advice,1.D/D application,2.Bankers demand draft,5.Present the draft for payment,6. Funds,Remitting Bank,3.Bankers demand draft,4.Advice of Bankers demand draft,2020/10/

13、13,广东金融学院马飞,20,T/T M/T=T/T-银行占用客户资金的利息 D/D =T/T-银行占用客户资金的利息 远期汇票 费率:收费 电汇:0.1%,每笔最低收50元人民币,最高收1000元人民币 信汇,票汇:0.1%,每笔最低收100元人民币,最高收1000元人民币,2020/10/13,广东金融学院马飞,21,票汇流程,汇款人,收款人,汇出行,汇入行,票汇申请书 交款付费,银行即期汇票,票汇通知书（票根）,付讫借记通知书,提示汇票并背书,解付,银行即期汇票,票 汇,票汇,汇票的提示,2020/10/13,广东金融学院马飞,22,4.1.4 Advantages and disadv

14、antages,1.Advantages,D/D:Demand draft is a negotiable instrument, which can be transferred from one person to another by endorsement, so that it is more convenient in use for payment. 流通票据可背书转让 M/T: Bank-to-bank instructions with banks responsible for making payments, so it is rather reliable;收款可靠 T

15、/T: Fastest way to transfer funds; Bank-to-bank instructions with banks responsible for making payments, so it is quite safe,especially when large amount is transferred. 速度最快，适用于较大金额的汇款,2020/10/13,广东金融学院马飞,23,4.1.4 Advantages and disadvantages,2.Disadvantages,D/D: Remitter himself is responsible for

16、 mailing the demand draft, its transmission is slower than that of T/T and cannot serve the purpose of quick payment; 速度慢 It is possible for a demand draft to be lost, stolen or destroyed; 即期汇票被遗失、被窃或遭毁坏 The remitting bank is reluctant to stop payment on a draft issued by itself for this would mean

17、an act of dishonor on its part which will have an unfavorable effect on its credit-worthiness. 止付汇票将影响银行的信誉 To stop payment on lost draft is time consuming .旷日持久,2020/10/13,广东金融学院马飞,24,2.Disadvantages,M/T: Mail transfer order to be delayed or lost in the post, thus causing difficulty for its payment

18、;信汇委托书在邮寄过程中遭延误、遗失 Its transmission is slower than that of T/T and cannot serve the purpose of quick payment;收款速度慢 The beneficiary must await notification from the bank concerned. 客户必须等待银行通知收款,2020/10/13,广东金融学院马飞,25,2.Disadvantages, T/T: It is more expensive as compared with M/T or D/D, but if the a

19、mount transferred is large, the interest cost which should be otherwise incurred due to time delay can be saved; 汇费最贵；但若延迟收款，银行将承担迟付的利息 The beneficiary must await notification from the bank concerned. 客户必须等待银行通知收款,2020/10/13,广东金融学院马飞,26,2020/10/13,广东金融学院马飞,27,Summary,M/T usually made by individuals

20、for family maintenance, cash gift, etc. 生活费，礼物 T/T is favorable to the seller, who can speed up the turnover of funds, increase the income of interests and avoid the risk of fluctuation in the exchange rate.加快资金周转，避免汇率风险 However, the seller should prevent the buyer from forcing the contractual price

21、 down under the pretext of bearing more expenses. 进口商借口支付过多的汇费而压低合同价格,2020/10/13,广东金融学院马飞,28, SWIFT can provides the member banks with faster, safer, cheaper, and more reliable handling of their customerss transactions., Swiftness, reliability, safety, and inexpensiveness are major advantages of tra

22、nsactions by means of SWIFT messages.,2020/10/13,广东金融学院马飞,29,4.2 Practice of Remittance,Inward remittance 汇入汇款,Outward remittance 汇出汇款,The remittances which are handled by the remitting bank.,The remittance which those are handled by paying bank.,2020/10/13,广东金融学院马飞,30,4.2 Practice of Remittance,4.2

23、.1 Remitting banks procedure,The remitting bank, at the remitters request, sends M/T advice or payment order (in M/T), or a telegram or a telex with test key enclosed (in T/T) to the paying bank as a payment authorization, directing it to offer the fund to the payee on behalf of the remitter.,Remitt

24、ers Application,SWIFT/telex/cable/ airmail/bankers demand draft,With authorized signature,2020/10/13,广东金融学院马飞,31,汇 出 行 的 处 理,1.审核汇款 申请书,2.审核外汇管理 规定中的文件,3.收取汇款,4.计收汇费和邮电费,汇款方式：电汇(T/T)、信汇(M/T)、票汇(D/D),汇出货币及金额大小写,收款人全称和详细地址,收款人银行（汇入行）及收款人账号,附言：进口合同号码、款项用途,国外银行费用由何方负担、授权银行借记汇款人账户,国际收支申报表,贸易进口付汇核销单,进口付汇备

25、案表,汇款有效凭证,正本合同,发票,进口/出口货物报关单,运输单据、保险单据,外汇现汇,外汇现钞,支票,2020/10/13,广东金融学院马飞,32,Remitters Application,汇款申请书,2020/10/13,广东金融学院马飞,33,2020/10/13,广东金融学院马飞,34,中国建设银行汇出汇款申请书 CHINA CONSTRUCTION BANK APPLICATION FOR REMITTANCE 年 月 日,货币兑换,汇款用途,X,2020/10/13,广东金融学院马飞,35,T/T,M/T ADVICE Bankers Demand Draft,汇款指示,2020

26、/10/13,广东金融学院马飞,36,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(付款金额、起息日） BENEFICIARY（收款人） MESSAGE（汇款附言） ORDER（汇款人） COVER（头寸拨付）,Telex/cable,2020/10/13,广东金融学院马飞,37,银行费用支付（收取）情况,YOUR CHARGES FOR BENEFICIARY.,汇入行,收款人,2020/10/13,广东金融学院马飞,38

27、,TO:THE CHASE MANHATTAN BANK N.A.,NEW YORK FM:BANK OF CHINA, BEIJING DATE:30TH SEP.,96 TEST XXXX OUR REF TT109900/96 PAY USD200,000. VALUE 30 SEP.96 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 REMI

28、T FOR CUSTOMS DUTY ETC ORDER INTERNATIONAL WATER AND ELECTRIC CORP.BEIJING YOUR CHARGES FOR BENEFICIARY COVER DEBIT US,汇入行,汇出行,发报日,密押,业务备查号,汇款 金额,汇款人,收款人支付 汇入行费用,头寸划拨指示: 借记我行(汇出行)账户,2020/10/13,广东金融学院马飞,39,TO BANQUE NATIONAL DE TUNISIE TUNIS FOR CREDIT OF A/C NO.Y10-0127-033254 OF CORPORATION INTERNA

29、TIONAL 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 TUNISIE TUNIS,A/C NO.Y10-0127-033254,CORPORATION INTERNATIONAL DES EAUX ET DE,IEL ECTRICTE DE CHINA,2020/10/13,广东金融学院马飞,40,SWIFT100格式,2020/10/13,广东金融学院马飞,41,MT100 CUSTOMER TRANSFER Date 960930 Sent to CHAS US 33 REM C

30、hase manhattan new york n.y :20/transaction reference number TT109900/96 :32A/value date, currency code,amount 96093USD200,000.00 :50/ordering customer CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING :57/account with bank BANQUE NATIONAL DE TUNISIE TUNIS :59/beneficiary customer /Y10-0127-033254

31、 CORPORATION INTERNATIONAL DES EAUX ET DE IELECTRICTE DE CHINE :70/details of payment REMIT FOR CUSTOMS DUTY ETC :71A/details of charges FOR BENEFICIARY :72/bank to bank information COVER DEBIT US,2020/10/13,广东金融学院马飞,42,:20/transaction reference number TT109900/96 :32A/value date, currency code,amou

32、nt 96093USD200,000.00 :50/ordering customer CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING :57/account with bank BANQUE NATIONAL DE TUNISIE TUNIS :59/beneficiary customer /Y10-0127-033254 CORPORATION INTERNATIONAL DES EAUX ET DE IELECTRICTE DE CHINE :70/details of payment REMIT FOR CUSTOMS DUTY

33、 :71A/details of charges FOR BENEFICIARY :72/bank to bank information COVER DEBIT US,2020/10/13,广东金融学院马飞,43,中国银行广州分行 BANK OF CHINA, GUANGZHOU BRANCH 下列汇款，请即照解。如有费用请 日期 内扣。 Guangzhou 我已贷记你行账户。 Please advise and effect the following Payment less your charges if any.In Cover,we have CREDITED your A/C w

34、ith US. 大写金额 Amount in words: 汇款人 附言 By order of Message 中国银行广州分行 汇款人 For BANK OF CHINA, GUANGZHOU BRANCH,Airmail Advice 信汇委托书,2020/10/13,广东金融学院马飞,44,中国银行支付委托书 BANK OF CHINA PAYMENT ORDER GuangZhou,Payment Order 支付授权书,2020/10/13,广东金融学院马飞,45,Not Negotiable,Bankers Demand Draft 银行即期汇票,2020/10/13,广东金融学

35、院马飞,46,票汇中的汇票,出票人： 收款人： 付款人：,汇出行,出口商,汇入行,付款期限：,即期,2020/10/13,广东金融学院马飞,47,4.2 Practice of Remittance,4.2.2 Paying banks procedure,Under telegraphic transfer, the paying bank, having received the cable and verified the test key, will make payment to the payee in accordance with the instruction, and wi

36、ll give a reply of debit advice to the remitting bank in line with the nostro account procedure between the two correspondents.,2020/10/13,广东金融学院马飞,48,汇 入 行 的 处 理,1.核对汇款指示、汇票的真实性,2. 审核汇款指示内容,3.检查汇款头寸， 坚持“收妥头寸、解付汇款”的原则,4. 处理汇款的退汇与查询,密押,印鉴,2020/10/13,广东金融学院马飞,49,汇款的退汇指在汇款解付之前，由汇款人或 收款人要求撤消该笔汇款的行为。,4.2

37、 Practice of Remittance,4.2.3 Cancellation of the remittance 汇款的退汇,2020/10/13,广东金融学院马飞,50,汇 款 人,汇 出 行,汇款未解付,汇款已解付,汇 入 行,收 款 人,5. 与收款人直接交涉,1. 退汇申请书,2. 退汇通知,3.退回头寸和 委托书/汇票,3.汇款收条,4.折成本币入账,4.通知汇款已解付,2020/10/13,广东金融学院马飞,51,、汇出行退汇手续 ）汇款人提出申请，详细说明退汇的理由， 必要时提供保证； ）汇出行审查； ）向汇入行发出要求退回头寸的通知； ）收到汇入行同意退汇的通知和头寸后

38、，即 注销，同时将汇款按汇率折算成本币入帐。 、汇入行退汇手续 ）核对退汇通知的印鉴，看汇款是否已付； ）若汇款已付，将收款人签署的汇款收条寄 回，表示汇款已经解付； ）若未付，则退回头寸，寄回汇款委托书或 汇票。,2020/10/13,广东金融学院马飞,52,汇款头寸的调拨，是指汇出行因汇入行代其解付汇款而予以偿还款项的行为，俗称“拨头寸”。,4.3 Reimbursement methods,解付汇款的原则 收妥待付,2020/10/13,广东金融学院马飞,53,Key words,reimbursement 偿付 cover 头寸 credit advice 贷记通知书 debit ad

39、vice 借记通知书 H.O.(home office) 总行 a/c(account) 账户 clearing account 清算账户,2020/10/13,广东金融学院马飞,54,、账户行 直接入账型,汇出行为账户行,汇入行为账户行,Crediting vostro account of the paying bank 贷记解付行（汇入行）来账,Debiting remitting bank s nostro account 借记汇出行往账,、“碰头行”型,通过账户行的共同账户,通过碰头行拨交头寸,4.3 Reimbursement methods,2020/10/13,广东金融学院马飞

40、,55,汇款人,收款人,汇出行,汇入行,存款账户,借记,存款账户,汇 出 行: 账 户 行,汇 入 行: 账 户 行,贷记汇入行存款,借记汇出行存款,贷记,借记,无存款账户,第三家银行转账,2020/10/13,广东金融学院马飞,56,汇款中的货币 为汇出国的货币,Remitting Bank,Paying Bank,1.In cover, we have credited your a/c with us.,2.Your a/c has been credited.,账户行,开户行,汇款指示中 头寸拨付条款,已贷记报单,4.3.1 Crediting vostro account of th

41、e paying bank 贷记解付行（汇入行）来账,4.3 Reimbursement methods,2020/10/13,广东金融学院马飞,57,1.In cover, please debit our (H.o)a/c with you.,2.Your a/c debited.,账户行,开户行,汇款指示中 头寸拨付条款,已借记报单,4.3 Reimbursement methods 4.3.2 Debiting remitting bank s nostro account 借记汇出行往账,汇款中的货币 为汇入国的货币,Remitting Bank,Paying Bank,2020/1

42、0/13,广东金融学院马飞,58,Remitting bank(US Bank),Paying bank(UK Bank),In cover, we have credited your account with us.,Currency: USD,2020/10/13,广东金融学院马飞,59,Remitting bank(US Bank),Paying bank(UK Bank),In cover ,please debit our account with you.,Currency: GBP,2020/10/13,广东金融学院马飞,60,汇出行,汇入行,账户行 X,1.In cover,

43、we have authorized X Bank to debit our a/c and credit your a/c with them,2.Please debit our a/c and credit B a/c with you,3.Your a/c credited,3.Your a/c debited,开户行,开户行,4.3 Reimbursement methods 4.3.3 Instructing a reimbursing bank to effect payment by debiting the remitting banks nostro account 通过共同的账户行拨头寸,2020/10/13,广东金融学院马飞,61,Remitting bank,Paying bank,In cover, we have authorized XYZ Bank , New York to debit our account and credit yo