托收的FORM COLLECTION

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托收(Collection)在外贸中作用重大

托收(Collection)在外贸中作用重大

( )分类:第一部分:托收情形:一、由接到委托指示地银行办理“金融单据”和或“商业单据”以使取得承兑或付款;二、由接到委托指示地银行凭承兑或付款交出商业单;三、凭其他条件交付单据;文档收集自网络,仅用于个人学习第二部分:光票托收一、光票托收定义:,仅凭票据等“金融单据”委托银行代为收款;,不附带“商业单据”;二、光票托收用途:,用于货款尾数;,用于小额货款;,用于贸易从属费用;,用于索赔款地提取;文档收集自网络,仅用于个人学习第三部分:跟单托收(即付款交单(,))一、跟单托收定义:跟单托收即付款交单.在国际贸易中使用托收方式结算货款时,通常使用跟单托收,即以票据随附商业单据委托银行代为收款;文档收集自网络,仅用于个人学习二、跟单托收种类:,即期付款交单;,远期付款交单;,承兑交单;三、跟单托收即期付款交单程序:,出口方(委托人)装货后,将货运单据(有时随附即期汇票)、托收申请交“托收行”;,“托收行“寄交“代收行”托收委托书连同货运单据(有时随附即期汇票);,“代收行”提示单据(有时随附即时汇票);,“付款人”审单无误后付款;,“代收行”交单;,代收行办理转帐并通知托收行款已收妥;,托收行交款;在即期付款交单地情况下,可以作出口押汇,即在第一步托收行扣除利息和手续费后垫付货款给委托人,然后履行第步,第七步取消;文档收集自网络,仅用于个人学习四、跟单托收远期付款交单程序:,出口方装货后,填写托收申请,开立远期汇票连同货运单据交托收行;,托收行寄交托收委托书、单据及汇票;,代收行提示远期汇票和单据;,付款人审单无误后承兑远期汇票;,进口方到期付款;,代收行交单;,代收行办理转帐,并通知托收行款已收到;,托收行向出口方交款;远期付款交单地特点体现在,,,四步骤上.远期付款交单可以作进口押汇,即进口方在承兑汇票后,经代收行同意可以凭信托收据(,)将单据提前借出,凭以提取货物,等到远期汇票到期再付款.假如日后进口方到期不付款,风险由代收行承担.如果代收行事先经出口方同意,则称为“付款交单凭信托收据借单”(),这时进口方到期不付款地风险由出口方承担.文档收集自网络,仅用于个人学习五、跟单托收承兑交单程序:,出口方装货后,填写托收申请,开立远期汇票连同货运单据交托收行;,托收行寄交托收委托书、单据及汇票;,代收行提示远期汇票和单据;,付款人审单无误后承兑远期汇票;,代收行交单;,付款人到期付款;,代收行办理转帐,交通知托收行款已收到;,托收行向出口方交款;承兑交单地特点体现在、、、四步骤上.假如付款人在远期汇票到期时不付款,风险由委托人承担,因此委托人地风险很大.除非对进口方资信有十足把握,出口方一般不采用承兑交单方式.文档收集自网络,仅用于个人学习第四部分;跟单托收方式下出口方地风险防范:跟单托收方式下,出口方先装货,后收款,因此承担了较大地风险.但有时为了促销等目地不得不采取这种方式,出口方可以选取采用相应地风险防范措施.文档收集自网络,仅用于个人学习一、国际保险业务():,概念:在以托收、赊帐等方式下结算货款地情况下,保理商()向出口方提供地一项包括对买方资信调查、百分之百地风险担保、催收应收帐款、财务管理以及融通资金等地综合性财务服务;文档收集自网络,仅用于个人学习,国际保理商联合会()成立于年,遍布多个国家和地区.年月,中国银行正式加入该协会;文档收集自网络,仅用于个人学习,中国银行向出口方提供国际保理服务有:,出口方与中国银行签订保理合同,并报送信用额度申请表,列明进口方名称、地区等情况;申请表由中国银行转送进口商当地保理商,进口地保理商对进口方地资信情况进行调查,并在接到申请表后天内将是否批准意见通知中国银行转告出口企业.出口企业可在批准额度内用托收或其他赊帐方式与进口方成交;,出口方将全部出口单据交给中国银行办理;,如在付款日期天内尚未收到进口方付款,中国银行在第天向出口企业按发票金额全部保付;文档收集自网络,仅用于个人学习,出口方能从中国银行获得融资便利(以下三种融资方式出口方均须承担相应地融资利息):,出口合同抵押货款.银行在不超过信用额度条件下,按合同金额核贷;,出口方凭运输单据可向银行申请按发票金额地预垫货款;,出口方凭汇票和运输单据向银行申请按发票金额贴现;文档收集自网络,仅用于个人学习二、出口信用险():,概念:是保障因国外进口方地商业风险和或政治风险给本国出口方造成地收不到货款地损失;文档收集自网络,仅用于个人学习,历史:,年,由中国人民保险公司在部分省市地分公司先后逐步试办短期出口信用保险;,年,中国人民保险公司成立了出口信用保险部,并以机电产品为重点,正式办理中长期出口信用险;文档收集自网络,仅用于个人学习,办理出口信用险业务地公司:中国人民保险公司财产保险公司;中国进出口银行保险部;,出口信用险种类:,短期出口信用险:适用于持续出口地消费性货物,信用期限在天以内,有固定地保险单及条款.一般实行全部投保原则,即出口企业必须将所有地商业信用方式地出口按销售额全部投保,不允许只选择风险大地国家和买方投保.私营纯商业经营地保险公司一般对此不加限制,但保险公司有选择承保地权利,而且保险费率要高得多;文档收集自网络,仅用于个人学习,中长期出口信用险:适用于资本性货物,如:成套设备、船舶、飞机等地出口以及工程承包、技术服务项目合同,信用证限超过天直到年、年、年等等.由于信用期限长、收汇风险大、保险机构通常要介入合同谈判和可行性研究分析工作,逐笔审查,并按每个合同地具体情况设计保单和费率,不采用固定格式地保单.文档收集自网络,仅用于个人学习三、理赔业务:在出口信用保险业务中,一般规定保险机构仅赔付实际损失地,其余归出口企业自己承担,以促使其谨慎从事,并在发生损失后努力避免损失扩大.文档收集自网络,仅用于个人学习。

托收

托收

托收托收(Collection)即委托收款,是出口方根据合同规定装运货物后,开具汇票连同货运单据,委托银行代向进口方收取货款的一种方式。

(一)托收的种类托收根据金融单据(如汇票和本票等)是否附有商业单据,可分为光票托收和跟单托收。

1、光票托收光票托收(Clean Collection),是指出口方以光票向进口方索款的托收方式。

通常用于货款尾数、小额货款、贸易从属费用和索赔款的托收。

2、跟单托收跟单托收(Documentary Collection),是指出口方以跟单汇票向进口方索款的托收方式。

在国际贸易的货款结算中,通常采用跟单托收。

跟单托收根据交单的条件不同,可分为付款交单和承兑交单两种形式。

(1)付款交单(Documents Against Payment, D/P),是指代收行向进口方提示跟单汇票时,进口方付清货款后,方可获得货运单据。

根据付款时间的不同,付款交单又可分为即期付款交单和远期付款交单。

即期付款交单(Documents Against Payment At Sight, D/P),是指出口方按照合同规定发运货物后,开出即期汇票,连合全套货运单据通过托收行寄交代收行向进口方提示付款。

进口方审单无误后,必须立刻付清全部货款,方可获得以货运单据为主的全部商业单据。

远期付款交单(Documents Against Payment After Sight, D/P After Sight),是由出口方按照合同规定发运货物后,开具远期汇票,连同货运单据通过代收行向进口方提示。

进口方经审单无误后,即对汇票进行承兑,于汇票到期日付款。

代收行收妥货款后,交付以货运单据为主的全部商业单据。

(2)承兑交单(Documents Against Acceptance, D/A),是出口方按照合同规定发运货物后,开具远期汇票,连同货运单据通过代收行向进口方提示。

进口方经审单无误后,即在汇票上进行承兑,代收行才予以交单。

国际结算 第四章 托收(Collection)

国际结算 第四章 托收(Collection)
❖ 进口商向银行申请提货担保后,凭担保在没 有正本提单的情况下提货。
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国际惯例
❖ 国际惯例(International Practice)是在长期 的国际交往实践中约定俗成、对当事人的权 利义务进行明确规范的行为准则。
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托收业务流程
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托收的种类
从银行的角度划分,托收可以分为: ❖ 出口托收 (Outward Collection) ❖ 进口代收(Inward Collection) 根据托收中涉及的单据,托收可以分为: ❖ 光票托收 (Clean Collection) ❖ 跟单托收 (Documentary Collection)
❖ 付款人(Drawee)
❖ 需要时的代理(Representative in Case of
Need)
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Principal—seller(drawer) Remitting bank Collecting bank Payer - buyer (drawee) Presenting bank Representative in case of need
后会因进口商尚未付款,银行不予交单,货物可能 处于风险之中,甚至被海关罚款。这时,买方在付 款前出具一张信托收据向代收行借取单据以提取货 物。
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提货担保(Shipping Guarantee)
❖ 在进口贸易结算中,货物运抵目的港(地) 后,包括提单在内的单据尚未寄到,进口商 无法提货,而延期提货会使进口商增加额外 开支,或者承受进口商品行情下跌、市价回 落的风险,进口商为了报关的需要,凭银行 担保书提货的方式。
❖ 出口托收项下押汇(Outward Collection Bills Purchased-B/P)

经典国际贸易中常用的结算方式

经典国际贸易中常用的结算方式

国际贸易中常用得结算方式1、汇付(remittance)2、托收(collection)3、信用证(letter of credit)4、保函(letter of guarantee)5、备用信用证(standby letter of credit)一、汇付汇付就是指付款人通过银行或者其她途径主动将款额汇交给收款人。

在国际贸易中,通常就是由买方按约定时间与条件通过银行将约定得款项汇交给卖方。

1、1 汇付得当事人汇付通常有如下当事人:(1)汇款人(remitter),在进出口业务中通常就是进口方。

(2)收款人(payee or beneficiary) ,在进出口业务中通常就是出口方。

(3)汇出行(remitting bank) ,接受汇款人得委托,办理汇出汇款业务得银行。

通常就是进口方当地得银行。

(4)汇入行(paying bank),指受汇出行委托解付汇款得银行,因此又称解付行。

在国际贸易中,通常就是出口方当地得银行。

1、2 汇付得种类汇付得方式包括信汇(mail transfer,M/T)、电汇(telegraphic transfer,T/T)与票汇(remittan ce by banker’s draft,D/D)。

信汇就是汇出行应汇款人得申请,用航空信函得形式,指示汇入行解付一定金额得款项给收款人得汇款方式。

电汇就是汇出行应汇款人得申请,拍发加押电报或电传给汇入行解付一定金额给收款人得一种汇款方式。

票汇就是指汇出行应汇款人得申请,代汇款人开立以其分行或代理行为解付行得银行即期汇票,支付一定金额给收款人得汇款方式。

上述三种方式,付款速度与收费标准各不相同。

就付款速度,电汇最快,信汇次之,票汇最慢。

故电汇最受卖方欢迎,成为汇付得主要方式。

就收费而言,信汇、票汇较低,电汇费用较高。

1、3 汇付得业务程序信汇、电汇业务程序示意图信汇、电汇业务程序示意图信汇与电汇得业务程序相同,只就是传递委托书与支付通知书得方式不同,信汇就是以邮政航空信件方式,电汇就是电讯传递方式。

跟单托收

跟单托收

第六章跟单托收在国际贸易中,托收(Collection)是较为常用的支付方式。

在托收业务中,由于结算工具的传递方向与资金的流动方向相反,故托收属于逆汇。

本章首先简要介绍托收的基本概念及托收的种类,第二节和第三节专门对在托收业务中运用最为广泛的跟单托收进行详细解释,从而使读者对跟单托收实务中经常涉及的问题有一个较为深入的认识,最后通过对《托收统一规则》(URC522)逐条的详细解释,使读者熟知有关托收的国际惯例。

第一节托收概述一、托收的定义托收(Collection),是债权人(出口商)出具汇票及/或商业单据委托银行通过它的分行或代理行向债务人(进口商)代为收款的一种结算方式。

《托收统一规则》(国际商会第522号出版物)第2条对托收所作的定义是:“‘托收’意指银行按照收到的指示,处理单据,其目的为:1、取得付款及/或承兑,或者2、凭付款及/或承兑交出单据,或者3、以其他条款和条件交出单据。

”上述定义中的“以其他条款和条件”通常指的是:“以交来本票/信托收据/承诺书/保函等”。

“单据”意指金融单据及/或商业单据。

金融单据意指汇票、本票、支票,或其他用于获得付款或款项的类似凭证。

商业单据是指发票、运输单据、权利单据,或其他类似单据,或除金融单据以外的任何其他单据。

二、托收的种类托收主要包括光票托收、跟单托收和直接托收,其中在实际业务中应用最为广泛的是跟单托收。

(一)光票托收按是否随附商业单据的不同,托收可分为光票托收和跟单托收。

URC522将单据分为两类,即:(1)金融单据:指汇票、本票、支票或其他用于取得付款的类似凭证。

(2)商业单据:指发票、运输单据、物权凭证或其他类似单据,或除金融单据之外的任何其他单据。

光票托收(Clean Collection),是指不附有商业单据的金融单据的托收。

例如,为向买方收取货款尾数、代垫费用、样品费等小额支付,卖方仅向买方开立索款汇票凭以委托银行收取上述款项,而不附带任何商业单据,该项托收即为光票托收。

托收

托收

托收托收,Collection ,是债权人(出口人)出具汇票委托银行向债务人(进口人)收取货款的一种支付方式。

托收(Collection )指由出口人根据发票金额开出以进口人为付款人的汇票,向出口地银行提出托收申请,委托出口地银行(托收行)通过它在进口地的代理或往来银行(代理行)代向进口人收取货款。

托收分为跟单托收(DocumentaryCollection )和光票托收(CleanCollection )。

光票托收:出口商将金融票据委托银行向进口商或者付款人收取货款,不附带任何商业单据。

这里的“光票”中“光”的意思并非是什么都不给,“光”在“商业单据”。

这里的金融票据可以是汇票、本票或者支票。

跟单托收:出口商将金融票据连同商业单据或者仅仅只有商业单据委托银行代为向进口商或者付款人收取货款的一种托收。

这里的“跟单”中跟的主要就是商业单据,即有货物权的货运单据。

交单形式分为付款交单(D/P,documents against payment))和承兑交单(D/A,Documents against Acceptance )。

5.付款交单(D/P)又分为即期付款角度((D/P sight))和远期付款交单(D/P after sight),划分依据以步骤3中出口商开具的汇票类型为即期汇票还是远期汇票决定。

承兑交单(D/A)是指出口人的交单以进口人在汇票上承兑为条件。

D/P与D/A的差别之处在于进口方获得单据的前提不同,D/P是付款(Payment)为前提,D/A是承兑(Acceptance)为前提。

Documentary Collection and Clear CollectionDocumentary collection and clean collection are included in foreign collection, which , in international trade, is a presentation of a negotiable instrument such as a draft to a foreign country at which it is payable.Both documentary collection and clean collection need the exporter to open up a draft after shipment of goods and effect payment through banks. Their only difference is that documentary collection is a foreign collection on documentary draft, and clean collection is a foreign collection on clean draft.Documentary collection goes as follows in the figure:After conclusion of the trade contract between the two contracting parties, the exporter makes shipment of goods from the port of exportation to the port of destination. Meanwhile the exporter writes a collectin order and opens up a draft and gets ready all the shipping documents concerned. The exporter sends the collection order and the shipping documents with the draft drawn on the importer for the agreed terms to his remitting bank for collection. The remitting bank will, then, forward the documents to the collecting bank ---- its correspondent’s bank overseas, which in turn will notify the importer that all the documents needed have arrived.If the draft is a sight draft, the importer may not claim the documents and thereby obtain title to the goods un less he pays the drafts. This is known as “Documents against Payment D/P”. If the draft is a time draft, the importer will be asked by his bank to accept the draft, thereby committing himself to pay at maturity. Upon accepting the draft, the importer is permitted to obtain the documents and the goods, while not being obliged to make payment until the draft matures. This is known as “Documents against Acceptance D/A”.If the importer has, on the sight draft, made payment of the goods to the collection bank, the collecting bank makes credit advice to the exporter’s remitting bank, which in turn notifies the exporter that the payment has been made for the goods exported.If the importer has, on the time draft, made acceptance, the collecting bank notifies the remitting bank, which in turn notifies the exporter that the acceptance of the draft has been made.The most important of the documents the importer has got is the bill of lading, which normally includes the date of issue, from whom and where the goods were received, to whom and where they are to be delivered, and description of the goods or packages containing them, and the carrier’s signature. With documents in hand, the importer will get the goods from aboard the ship at the port of destination.Clean collection is a bit different from documentary collection, as in the figure below:Clean, in international trade, means without documents, as in clean versus documentary drafts. Clean collection is also a means of clearing in foreign trade. In clean collection, the exporter, after shipment of goods, will directly post all the shipping documents concerned such as marine bill of lading, insurance policy, commercial invoice, consular invoice, certificates of origion, of weight, of quality, or of analysis etc. , to the importer.The exporter only sends the clean draft to his remitting band and advises for collection. The remitting bank sends the draft to the collecting bank and advises for collection. The collecting bank sends the draft to the importer and advises f or payment. After the importer’s payment to the collecting bank, which in turn notifies the exporter that the payment has been made.Foreign collection is a commercial credit on the part of the importer who is commited to pay for the goods specified in the trade contract. Banks, which only act as agents of the exporter for collection of payment, don’t undertake any responsibility of finance.Foreign collection is different from letter of credit operation in that the exporter, in foreign collection, has a solid belief that the importer will pay for his goods. Banks get fees for their collection, but if it should happen that the importer refuses to pay, the banks bear no responsibilities for that.Notes:1. collection 托收2. documentary collection 跟单托收3. clean collection 光票托收4. foreign collection 国外代收,出口托收5. negotiable instrument 可转让票据,流通证券6. documentary draft 跟单汇票7. clean draft 光票8. trade contract 贸易合同9. advice for collection 托收通知书10. remitting bank 汇款银行11. collecting bank 托收银行12. advice for payment 付款通知书13. documents against payment (D/P) 付款交单14. documents against acceptance(D/A) 承兑交单15. notice of payment or acceptance 付款或承兑通知16. make shipment of goods 发运货物17. collection order 托收委托书18. correspondent’s bank代理银行19. bill of lading B/L 提单20. date of issue 发行日21. carrier’s signature承运人的签名22. means of clearing 结算方式分享:。

国际商会托收统一规则niformRulesforCollectionsNo.522

国际商会托收统一规则niformRulesforCollectionsNo.522

国际商会托收统一规则niformRulesforCollectionsNo.522Uniform Rules for Collections No. 522国际商会托收统一规则国际商会(ICC)第522号出版物1995 Revision in force as of January 1, 19961995年修订 1996年1月1日生效Leaflet Version, ICC No. 522LFThe ICC Uniform rules for collections were first published by the ICC in 1956. Revised versions were issued in 1967 and 1978. This present revision was adopted by the Council of the ICC in June 1995. It is issued with the title “ICC Uniform Rules for Collections’ as ICC Publication No 522. This English language gives the official text of the 1995 Revision.A. GENERAL PROVISIONS AND DEFINITIONSA.总则与定义ARTICLE 1 Application of URC 522第一条 URC522的适用a: The Uniform Rules for Collections, 1995 Revision, ICC Publication No 522, shall apply to all collections as defined in ARTICLE 2 where such rules are incorporated into the text of the ‘collection instruction’ referred to in ARTICLE 4 and are binding on all parties thereto unless otherwise expressly agreed or contrary to the provisions of a national, state or local law and/or regulation which cannot be departed from.a. 《托收统一规则》(1995年修订本)(国际商会第522号出版物)适用于本规则第二条所定义的所有托收,只要在“托收指示”(本规则第四条所提及)的文本中援引本规则。

托收(Collection)

托收(Collection)

出口商
4 办 理 出 口 通 关 事 宜
海关
D/A
D/A
1.认识与签约
( 约定采用 D/A 付 款 方 式 )
进口商 B/L
14 办 理 进 口 通 关 事 宜 指定地点
B/L
船公司 5装船出口
指定地点
船公司 D/O 卸貨
海关
D/P•T/R
• 付款交单凭信托收据借单——指出口人 指示代收行借单,主动授权银行凭信托 收据借单给进口人,那么进口人在承兑 汇票后可以凭信托收据先行借单提货。 • 这种托收方式的性质与承兑交单差不多。 如果进口人在汇票到期时拒付,则与银 行无关,应由出口人自己承担风险。
托收应注意的事项
• 认真调查进口商的资信情况、经营能力和经营 作风,控制成交额,一般采用D/P,对D/A从严 把握。 • 国外代收行一般由进口方指定,如确有必要, 应事先征得托收行同意。 • 争取按CIF或CIP条件成交,有出口人办理运输 保险,或投保出口信用险。 • 运输单据应做成“空白指示抬头”,如需做成 代收行抬头时,应先与银行联系并经认可后办 理。 • 严格按照合同规定装运货物、制作单据,以防 被买房找到借口拒付货款。
托收(Collection)
托收的含义——指债权人(出口人)出 具汇票,委托银行向债务人(进口人) 收取货款的一种支付方式。
• 二、托收(Collection)的一般含义是出口人开立汇 票委托银行向进口人收取货款的一种支付方法。 • (一)当事人: • 委托人(Principal)一般是出口人,开出汇票, 委托银行办理托收业务 • 托收银行(Remitting Bank)通常是出口所在地 银行,接受委托人的委托,代收货款的银行。 • 代收银行(Collecting Bank)进口所在地银行,受托 收银行委托向付款人收取货款,一般是托收行在 国外的分行,支行或联行。实际收款的银行。 • 付款人(Drawee)进口人,汇票的受票人。

托收(Collection),在外贸中作用重大

托收(Collection),在外贸中作用重大

托收(Collection)(2007-07-28 14:24:09)转载▼分类:国际贸易知识集锦第一部分:托收情形:一、由接到委托指示的银行办理“金融单据”和/或“商业单据”以使取得承兑或付款;二、由接到委托指示的银行凭承兑或付款交出商业单;三、凭其他条件交付单据;第二部分:光票托收一、光票托收定义:A,仅凭票据等“金融单据”委托银行代为收款;B,不附带“商业单据”;二、光票托收用途:A,用于货款尾数;B,用于小额货款;C,用于贸易从属费用;D,用于索赔款的提取;第三部分:跟单托收(即付款交单(Document Against Payment,D/P))一、跟单托收定义:跟单托收即付款交单。

在国际贸易中使用托收方式结算货款时,通常使用跟单托收,即以票据随附商业单据委托银行代为收款;二、跟单托收种类:A,即期付款交单;B,远期付款交单;C,承兑交单;三、跟单托收-即期付款交单程序:01,出口方(委托人)装货后,将货运单据(有时随附即期汇票)、托收申请交“托收行”;02,“托收行“寄交“代收行”托收委托书连同货运单据(有时随附即期汇票);03,“代收行”提示单据(有时随附即时汇票);04,“付款人”审单无误后付款;05,“代收行”交单;06,代收行办理转帐并通知托收行款已收妥;07,托收行交款;在即期付款交单的情况下,可以作出口押汇,即在第一步托收行扣除利息和手续费后垫付货款给委托人,然后履行第2-6步,第七步取消;四、跟单托收-远期付款交单程序:01,出口方装货后,填写托收申请,开立远期汇票连同货运单据交托收行;02,托收行寄交托收委托书、单据及汇票;03,代收行提示远期汇票和单据;04,付款人审单无误后承兑远期汇票;05,进口方到期付款;06,代收行交单;07,代收行办理转帐,并通知托收行款已收到;08,托收行向出口方交款;远期付款交单的特点体现在3,4,5,6四步骤上。

远期付款交单可以作进口押汇,即进口方在承兑汇票后,经代收行同意可以凭信托收据(Trust Receipt,T/R)将单据提前借出,凭以提取货物,等到远期汇票到期再付款。

托收(Collection),在外贸中作用重大

托收(Collection),在外贸中作用重大

托收(Collection)(2007-07-28 14:24:09)转载▼分类:国际贸易知识集锦第一部分:托收情形:一、由接到委托指示的银行办理“金融单据”和/或“商业单据”以使取得承兑或付款;二、由接到委托指示的银行凭承兑或付款交出商业单;三、凭其他条件交付单据;第二部分:光票托收一、光票托收定义:A,仅凭票据等“金融单据”委托银行代为收款;B,不附带“商业单据”;二、光票托收用途:A,用于货款尾数;B,用于小额货款;C,用于贸易从属费用;D,用于索赔款的提取;第三部分:跟单托收(即付款交单(Document Against Payment,D/P))一、跟单托收定义:跟单托收即付款交单。

在国际贸易中使用托收方式结算货款时,通常使用跟单托收,即以票据随附商业单据委托银行代为收款;二、跟单托收种类:A,即期付款交单;B,远期付款交单;C,承兑交单;三、跟单托收-即期付款交单程序:01,出口方(委托人)装货后,将货运单据(有时随附即期汇票)、托收申请交“托收行”;02,“托收行“寄交“代收行”托收委托书连同货运单据(有时随附即期汇票);03,“代收行”提示单据(有时随附即时汇票);04,“付款人”审单无误后付款;05,“代收行”交单;06,代收行办理转帐并通知托收行款已收妥;07,托收行交款;在即期付款交单的情况下,可以作出口押汇,即在第一步托收行扣除利息和手续费后垫付货款给委托人,然后履行第2-6步,第七步取消;四、跟单托收-远期付款交单程序:01,出口方装货后,填写托收申请,开立远期汇票连同货运单据交托收行;02,托收行寄交托收委托书、单据及汇票;03,代收行提示远期汇票和单据;04,付款人审单无误后承兑远期汇票;05,进口方到期付款;06,代收行交单;07,代收行办理转帐,并通知托收行款已收到;08,托收行向出口方交款;远期付款交单的特点体现在3,4,5,6四步骤上。

远期付款交单可以作进口押汇,即进口方在承兑汇票后,经代收行同意可以凭信托收据(Trust Receipt,T/R)将单据提前借出,凭以提取货物,等到远期汇票到期再付款。

委托收款 collection

委托收款 collection

委托收款Collection是指收款人委托银行..向付款人收取款项的结算方式。

1种类根据凭证传递方式不同‚委托收款可分为委邮(邮寄)和委电(电报划回)两种‚由收款人选用。

前者是以邮寄方式由收款人开户银行向付款人开户银行转送委托收款凭证、提供收款依据的方式;后者则是以电报方式由收款人开户银行向付款人开户银行转送委托收款凭证‚提供收款依据的方式。

委邮(邮寄)和委电(电报划回)均为一式五联。

第一联为回单,由银行盖章后退给收款单位;第二联为收款凭证,收款单位开户银行作收入传票;第三联为支款凭证,付款人开户银行作为付出传票;“委邮”第四联为收账通知,是收款单位开户银行在款项收妥后给收款人的收帐通知,“委电”第四联为发电报的依据,付款单位开户银行凭此向收款单位开户银行拍发电报;第五联为付款通知,是付款人开户银行给付款单位按期付款的通知。

2适用范围凡在银行或其他金融机构开立账户的单位和个体经济户的商品交易‚公用事业单位向用户收取水电费、邮电费、煤气费、公房租金等劳务款项以及其他应收款项‚无论是在同城还是异地‚均可使用委托收款的结算方式。

可以使用委托收款结算方式的凭证有已承兑商业汇票债券定期储蓄存款定活两便储蓄存款活期储蓄存款.3办理流程1) 签发托收凭证:收款人办理委托收款应填写邮划委托收款凭证或电划委托收款凭证并签章。

将委托收款凭证......和有关的债务证明....一起提交收款人开户行。

2) 审查委托收款凭证和有关的债务证明是否符合有关规定。

3) 委托:将委托收款凭证....寄交付款人开户行办理委托收款。

......和有关的债务证明* 收款人收取公用事业费,必须具有收付双方事先签订的经济合同,由付款人向开户银行授权,并经开户银行同意,报经中国人民银行当地分支行批准,可以使用同城特约委托收款4)付款①付款人应于接到通知的3日内书面通知银行付款。

付款人未在规定期限内通知银行付款的,视同同意付款,银行应于付款人接到通知日的次日起第4日上午开始营业时,将款项划给收款人。

托收申请书的英文

托收申请书的英文

托收申请书的英文The application for collection is a crucial document in the world of international trade and finance. It serves as a formal request from a creditor or exporter to a bank to collect payment from a debtor or importer on their behalf. This process is known as "collection" and is a common method of payment settlement in cross-border transactions.The application for collection outlines the specific details of the transaction, including the goods or services being exchanged, the amount owed, and the terms and conditions of the payment. It also provides instructions to the bank on how to proceed with the collection process, such as the method of payment, the timeline for payment, and any special instructions or requirements.One of the key benefits of the application for collection is that it helps to mitigate the risks associated with international trade. By involving a third-party bank in the payment process, the creditor or exporter can have greater confidence that the payment will be received in a timely and secure manner. This can be especiallyimportant in cases where the debtor or importer is located in a country with political or economic instability, or where the creditor or exporter has limited knowledge of the local banking system and regulations.Another advantage of the application for collection is that it can help to streamline the payment process and reduce the administrative burden on the parties involved. By providing clear instructions and documentation to the bank, the creditor or exporter can ensure that the collection process is carried out efficiently and effectively, reducing the risk of delays or misunderstandings.The application for collection typically includes a number of key elements, including the names and contact information of the parties involved, the details of the underlying transaction, the method of payment, and any special instructions or requirements. It may also include supporting documentation, such as invoices, bills of lading, or other relevant documents.One of the most important aspects of the application for collection is the method of payment. There are several different options available, including:1. Documentary collection: In this method, the creditor or exporter sends the required documents (such as the commercial invoice, billof lading, and other shipping documents) to the bank, which then presents them to the debtor or importer for payment.2. Clean collection: In this method, the creditor or exporter sends only the draft or bill of exchange to the bank, without any supporting documents.3. Avalised collection: In this method, the draft or bill of exchange is guaranteed by a third-party bank, providing additional security for the creditor or exporter.Regardless of the method of payment chosen, the application for collection must be carefully prepared and submitted to the bank in a timely manner. This is important not only to ensure that the payment is received as quickly as possible, but also to minimize the risk of disputes or misunderstandings between the parties involved.In addition to the specific details of the transaction, the application for collection may also include additional instructions or requirements, such as:- The timeline for payment, including any deadlines or grace periods - The currency in which payment should be made- Any special handling or delivery instructions for the documents- The method of reimbursement or payment to the creditor orexporter- Any additional fees or charges that may be incurredBy providing clear and comprehensive instructions to the bank, the creditor or exporter can help to ensure that the collection process is carried out smoothly and efficiently, reducing the risk of delays or disputes.Overall, the application for collection is a critical tool in the world of international trade and finance. By leveraging the expertise and resources of a third-party bank, creditors and exporters can mitigate the risks associated with cross-border transactions and ensure that they receive payment in a timely and secure manner. Whether you are a small business owner or a large multinational corporation, understanding the ins and outs of the application for collection can be a valuable asset in navigating the complex world of international commerce.。

国际结算重点— collection(托收)..

国际结算重点— collection(托收)..

Financial instrument
Page 6
Parties in Collection
1. The principal (seller/exporter/drawer) 委托人(卖方/出口商/出票人) 2. The remitting (principal’s/seller’s/exporter’s)bank 托收行(委托人/卖方/出口商的银行) 3. The collecting bank or presenting bank
Page
4
‘Documents’ means financial documents and/or commercial documents:
‘Financial documents’ means bills of exchange, promissory notes, checks, or other similar instruments used for obtaining the payment of money. ‘Commercial documents’ means invoices, transport documents, documents of title or other similar documents, or any other documents whatsoever, not being financial documents.
Page
10
Duties of Remitting bank
Make out collection instruction according to the collection application
Make sure that whether documents are in line with those listed in the collection application, but not examine further details of documents

collection托收的流程

collection托收的流程

collection托收的流程
随着社会经济的不断发展,人们互相之间的交易也越来越频繁。

在这样的背景下,许多人都会向银行申请collection托收服务,以保
证交易的安全和稳定。

那么下面我们将详细介绍collection托收的流程。

1.签订合同:申请collection托收服务之前,申请人首先需要
与银行签订相关协议和合同,明确双方的权利和义务。

2.办理委托手续:申请人需要向银行提交相关委托书,授权银行
代为收款,同时提供相关的托收文件和证明文件,如发票、合同、装
运单据等。

3.确认收款人信息:银行需要核实收款人的真实身份,确保收款
人信息的准确性和安全性。

4.发出催收通知:在货物到港或到达发货地之后,银行会向收款
人发出催收通知,提醒其支付货款。

5.收取货款:收款人根据银行的催收通知,在规定时间内向银行
支付货款。

银行在确认收到货款之后,将通知申请人进行确认。

6.移交货款:银行根据收款人要求或协商结果,将货款移交给申
请人。

需要注意的是,在整个托收过程中,申请人需要确保所提供的所
有文件和证明文件的真实性和合法性,以免因此而造成不必要的损失。

综上所述,collection托收服务在国际贸易中具有重要的作用,能够有效保证交易的安全和稳定。

申请人在办理相关手续的同时,需
要遵守相关规定和条款,并严格按照流程进行操作。

这样才能确保交
易顺利完成,达到双方的共赢目的。

托收(Collection),在外贸中作用重大

托收(Collection),在外贸中作用重大

托收(Collection)(2007-07-28 14:24:09)转载▼分类:国际贸易知识集锦第一部分:托收情形:一、由接到委托指示的银行办理“金融单据”和/或“商业单据”以使取得承兑或付款;二、由接到委托指示的银行凭承兑或付款交出商业单;三、凭其他条件交付单据;第二部分:光票托收一、光票托收定义:A,仅凭票据等“金融单据”委托银行代为收款;B,不附带“商业单据”;二、光票托收用途:A,用于货款尾数;B,用于小额货款;C,用于贸易从属费用;D,用于索赔款的提取;第三部分:跟单托收(即付款交单(Document Against Payment,D/P))一、跟单托收定义:跟单托收即付款交单。

在国际贸易中使用托收方式结算货款时,通常使用跟单托收,即以票据随附商业单据委托银行代为收款;二、跟单托收种类:A,即期付款交单;B,远期付款交单;C,承兑交单;三、跟单托收-即期付款交单程序:01,出口方(委托人)装货后,将货运单据(有时随附即期汇票)、托收申请交“托收行”;02,“托收行“寄交“代收行”托收委托书连同货运单据(有时随附即期汇票);03,“代收行”提示单据(有时随附即时汇票);04,“付款人”审单无误后付款;05,“代收行”交单;06,代收行办理转帐并通知托收行款已收妥;07,托收行交款;在即期付款交单的情况下,可以作出口押汇,即在第一步托收行扣除利息和手续费后垫付货款给委托人,然后履行第2-6步,第七步取消;四、跟单托收-远期付款交单程序:01,出口方装货后,填写托收申请,开立远期汇票连同货运单据交托收行;02,托收行寄交托收委托书、单据及汇票;03,代收行提示远期汇票和单据;04,付款人审单无误后承兑远期汇票;05,进口方到期付款;06,代收行交单;07,代收行办理转帐,并通知托收行款已收到;08,托收行向出口方交款;远期付款交单的特点体现在3,4,5,6四步骤上。

远期付款交单可以作进口押汇,即进口方在承兑汇票后,经代收行同意可以凭信托收据(Trust Receipt,T/R)将单据提前借出,凭以提取货物,等到远期汇票到期再付款。

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