null8.2.1 Remittance (汇款)国贸-周晓娟8.2.1 Remittance (汇款)null国贸-周晓娟Remitting
Bank
汇出行Remitter
汇款人Paying Bank
汇入行Payee
收款人Buyer(买方)
Importer
(进口方)In the place of importer
(在进口方所在地)In the place of importer
(在出口方所在地)Seller(卖方)
Exporter
(出口方)Export (出口)Import (进口)Parties in RemittanceThe Procedures of Remittance国贸-周晓娟The Procedures of RemittanceText in
hereRemitter
汇款人(买方)Text in
hereRemitting Bank
汇出行Payee
收款人(卖方)Paying Bank
汇入行①T/T(电汇)
②M/T(信汇)
③D/D(票汇)(1) Definition of Remittance 国贸-周晓娟(1) Definition of Remittance 汇出行(进口方所在银行)应汇款人(进口方-债务人)的要求,以一定的方式将一定的金额,通过其在国外联行或代理行作为付款银行(汇入行-出口方所在地),付给收款人(出口方-债权人)的一种结算方式。 The Remitting Bank remits amount of money to the payee, at the request of remitter by the Paying Bank which has some business relationship with each other.The Procedures of T/T-电汇国贸-周晓娟The Procedures of T/T-电汇Text in
hereRemitter
汇款人(买方)Text in
hereRemitting Bank
汇出行Payee
收款人(卖方)Paying Bank
汇入行①电汇申请
交款付费②电汇回执③电汇委托书①电报(Cable)
②电传(Telex)
③ SWIFT④电汇通知书⑤收款联上盖章提示
⑥付款⑦划转款项(2) Telegraphic Transfer (电汇)国贸-周晓娟(2) Telegraphic Transfer (电汇)Telegraphic Transfer or Telex Transfer , means of transferring funds overseas,meaning a cable message from one bank to another in order to effect the transfer of money.
是指汇出行应汇款人申请, 拍发加押电报\电传或SWIFT给在另一国家的分行或代理行(即汇入行)指示解付一定金额给收款人的一种汇款方式. Sample --- Application of Remittance国贸-周晓娟Sample --- Application of Remittance除港澳地区外,必须用英文填写The Format of Cable(电报) and Telex(电传)国贸-周晓娟The Format of Cable(电报) and Telex(电传)FM (Remitting bank): 汇出行
TO (Paying bank): 汇入行
DATE: 发电日
TEST: 密押
OUR REF NO. 汇款编号
NO ANY CHARGES FOR US(我行不负担费用)
PAY (金额) VALUE (起息日) TO (收款人)A/C NO.(收款人账号)
MESSAGE(汇款附言): 合同号
ORDER(汇款人)
COVER(头寸拨付): Debit our HO (Head Office 总行) account(从我方账户中提取款项)
SWIFT国贸-周晓娟SWIFT1.SWIFT需要会员资格。我国的大多数专业银行都是其成员。
2.SWIFT的费用较低。同样多的
,SWIFT的费用只有TELEX(电传)的18%左右,只有CABLE(电报)的2.5%左右。
3.SWIFT的安全性较高。SWIFT的密押比电传的密押可靠性强、保密性高,且具有较高的自动化。
4.SWIFT的格式具有
化。对于SWIFT电文,SWIFT组织有着统一的要求和格式。Society for Worldwide Inter-bank Financial Telecommunication
(环球银行间金融电信协会)MT103 CUSTOMER TRANSFER国贸-周晓娟MT103 CUSTOMER TRANSFERM 20 Transaction reference
number TRN交易编号
M 23b Bank Operation Code
银行操作代码
M 32A Value date, currency
code, amount
M 50a Ordering customer汇款人
M 59 Beneficiary customer
O 70 Details of payment
O 71A Details of charges
O 72 Bank to bank
information null国贸-周晓娟: 20/ transaction reference number(交易编号)
208TT0992
:32A/ value date, currency code, amount
040610 GBP62,000.00
:50a/ ordering customer(汇款人)
ZHEJIANG INTERNATIONAL TRUST &
INVESTMENT CORP., HANGZHOU
:57/ account with bank(汇款银行)
THE FIRST NATIONAL BANK, LONDON
:59/ beneficiary customer(收款人)
ACCOUNT NO. 36998044, ANGLO INTERNATIONAL
CO. LTD., LONDON
:70/ details of payment
CONTRACT NO. 201541
: 71A/ details of charges(详细费用)
BENEFICIARY
:72/ bank to bank information
COVER DEBIT OUR HO(=Head Office) ACCOUNTExample: SWIFT电文(3) The Procedures of M/T-信汇国贸-周晓娟(3) The Procedures of M/T-信汇Text in
hereRemitter
汇款人(买方)Text in
hereRemitting Bank
汇出行Payee
收款人(卖方)Paying Bank
汇入行①信汇申请书
交款付费②信汇回执③信汇委托书④信汇通知书⑤收款联上盖章提示⑥付款⑦划转款项银行邮递信汇委托书国贸-周晓娟信汇委托书 Please advise and effect the following payment less your charge if any. In cover, we have CREDITED you’re A/C with.下列汇款,请即照解,如有费用请内扣。我已贷记你行账户。THE BANK OF CHINA, SHANGHAIAmount in Words(大写):
By order of(付款人):
Message(附言):
FOR THE BANK OF CHINA, SHANGHAI此 致
To
(汇入行-出口方)(4) Demand Draft (票汇)国贸-周晓娟(4) Demand Draft (票汇)
票汇汇款是汇出行应汇款人申请,开立以其分行或代理行为解付行的银行即期汇票(Banker’s Demand Draft),支付一定金额给收款人的汇款方式。 The Procedures of D/D-票汇国贸-周晓娟The Procedures of D/D-票汇Text in
hereRemitter
汇款人(买方)Text in
hereRemitting Bank
汇出行Payee
收款人(卖方)Paying Bank
汇入行①票汇申请书
交款付费②银行即期汇票③邮寄票汇通知书③寄银行即期汇票⑤付款④提示银行汇票⑥划转款项(5) Conclusion 国贸-周晓娟(5) Conclusion Text in
hereRemitter
汇款人(买方)Text in
hereRemitting Bank
汇出行Payee
收款人(卖方)Paying Bank
汇入行①T/T(电汇)
②M/T(信汇)
③D/D(票汇)三种汇款方式收付程序示意图国贸-周晓娟三种汇款方式收付程序示意图进口商将
货款交付进口商往
来银行委托出口地
银行出口商进口商将
货款交付进口商向
本地银行进口商往
来银行委托购买汇票
后寄交出口地
银行出口商将
汇票交付出口商出口地
银行托收Payment OrderPayment OrderBanker’s demand draftnull国贸-周晓娟ComparisonThank You!Thank You!