国际商会托收统一细则说明

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托收统一规则URC522资料

五、义务与责任有关银行在办理托收业务时必须诚信、合理谨慎。如因银行的失误，给委托人造成不应有的损失，银行不能免除责任。
（一）托收银行的权利与义务 1.托收银行的权利选择代收银行之权在委托人未指定代收银行的情形下

单证提示方法的决定权单据必须以银行收到时的形式向付款人提示
收回代垫费用之权即使未能收到货款，托收银行的托收手续费仍可向委托人收取。

（二）代收行的权利与义务 1.对托收指示的处理没有执行托收指示的义务。如托收指示不明确，应征求托收行意见。

不从审单中获取托收指示
除非另有授权，对来自委托方以外的任何一方的指示不予理会。

2.对单据的处理代制单据单据的格式和措辞应由托收行提供,否则,托收行将不承担责任或对其负责。
（三）URC522第二条未涉及的问题支票托收 EDI托收
四、托收的形式和结构托收指示（Collection Instruction)——银行以及有关当事人据以办理托收业务的依据。
托收指示应备事项：包括全称、邮政地址等在内的寄单行、委托人、付款人及提示行的详情。托收金额及货币。所寄单据清单及每一种单据的份数。
《托收统一规则》解读与案例
一、《托收统一规则》的产生及发展
《托收统一规则》于1995年5月由国际商会银行委员会定名为国际商会第522号出版物（以下简称“URC522”）。 1996年1月1日实施。
二、《托收统一规则》的主要内容概述（URC522）共7部分，共26条。包括： A.总则及定义,包括3条； B.托收的形式和结构，包括1条； C.提示方式，包括4条； D.义务与责任，包括7条； E.付款，包括4条； F.利息、手续费及其它费用,包括2条； G.其它规定,包括5条。

国际结算URC522要点

国际商会托收统一规则(URC 522)（1995 年修订本1996 年1 月1 日起施行）一、总则和定义第一款《托收统一规则》第 522 号的应用（1）国际商会第 522 号出版物《托收统一规则》1995 年修订本将适用于第二款所限定的、并在第四款托收指示中列明适用该项规则的所有托收项目。

除非另有明确的约定，或与某一国家、某一政府，或与当地法律和尚在生效的条例有所抵触，本规则对所有的关系人均具有约束力。

（2）银行没有义务必须办理某一托收或任何托收指示或以后的相关指示。

（3）如果银行无论出于何种理由选择了不办理它所收到的托收或任何相关的托收指示，它必须毫不延误地采用电讯，或者如果电讯不可能时采用其它快捷的工具向他收到该项指示的当事人发出通知。

第二款托收的定义就本条款而言：（1）托收是指银行依据所收到的指示处理下述（2）款所限定的单据，以便于：a.取得付款和/或承兑；或b.凭以付款或承兑交单；或c.按照其他条款和条件交单。

（2）单据是指金融单据和/或商业单据。

a.金融单据是指汇票、本票、支票或其他类似的可用于取得款项支付的凭证；b.商业单据是指发票、运输单据、所有权文件或其他类似的文件，或者不属于金融单据的任何其他单据。

（3）光票托收是指不附有商业单据的金融单据项下的托收。

（4）跟单托收是指：a.附有商业单据的金融单据项下的托收；b.不附有金融单据的商业单据项下的托收。

第三款托收的关系人（1）就本条款而言，托收的关系人有：a.委托人即委托银行办理托收的有关人；b.寄单行即委托人委托办理托收的银行；c.代收行即除寄单行以外的任何参与处理托收业务的任何银行；（2）付款人即根据托收指示向其提示单据的人。

二、托收的形式和结构第四款托收指示（1） a.所有送往托收的单据必须附有一项托收指示，注明该项托收将遵循《托收统一规则》第 522 号文件并且列出完整和明确的指示。

银行只准允根据该托收指示中的命令和本规则行事；b.银行将不会为了取得指示而审核单据；c.除非托收指示中另有授权，银行将不理会来自除了他所收到托收的有关人/银行以外的任何有关人/银行的任何指令。

URC522《托收统一规则》(中英文).doc

(ICC Uniform Rules for Collections ICC Publication No. 522 )ICC Uniform Rules for CollectionsICC Publication No. 5221995 Revision in force as of January 1, 1996CONTENTA. General Provisions and DefinitionsApplication of URC 522Definition of CollectionParties to a CollectionB. Form and Structure of CollectionsC. Form of PresentationPresentationSight/AcceptanceRelease of Commercial DocumentsDocuments Against Acceptance (D/A) vs Documents Against Payment (D/P)Creation of DocumentsD. Liabilities and ResponsibilitiesGood Faith and Reasonable CareDocuments vs. Goods/Services/PerformancesDisclaimer for Acts of an Instructed PartyDisclaimer on Documents ReceivedDisclaimer on Effectiveness of DocumentsDisclaimer on Delays, Loss in Transit and TranslationForce MajeureE. PaymentPayment Without DelayPayment in Local CurrencyPayment in Foreign CurrencyPartial PaymentF. Interest, Charges and ExpensesInterestCharges and ExpensesG. Other ProvisionsAcceptancePromissory Notes and other InstructionsProtestCase-of-NeedAdvicesA. General Provisions and Definitions总则和定义Article 1Application of URC 522第一款：《托收统一规则》第522号的应用。

URC522《托收统一规则》(中英文)

国际商会托收统一规则(URC522)(中文版).doc

国际商会托收统一规则(URC522)（中文版）()国际商会调解国际商会仲裁范围国际商会仲裁规则国际商会争议解决国际贸易法国际商会托收统一规则(URC 522) 一、总则和定义第一款：《托收统一规则》第522号的应用。

（1）国际商会第522号出版物《托收统一规则》1995年修订本将适用于第二款所限定的、并在第四款托收指示中列明适用该项规则的所有托收项目。

除非另有明确的约定，或与某一国家国际商会托收统一规则(URC 522)一、总则和定义第一款：《托收统一规则》第522号的应用。

国际商会第522号出版物《托收统一规则》1995年修订本将适用于第二款所限定的、并在第四款托收指示中列明适用该项规则的所有托收项目。

除非另有明确的约定，或与某一国家、某一政府，或与当地法律和尚在生效的条例有所抵触，本规则对所有的关系人均具有约束力。

（2）银行没有义务必须办理某一托收或任何托收指示或以后的相关指示。

如果银行无论出于何种理由选择了不办理它所收到的托收或任何相关的托收指示，它必须毫不延误地采用电讯，或者如果电讯不可能时采用其它快捷的工具向他收到该项指示的当事人发出通知。

（2）单据是指金融单据和/或商业单据。

（3）光票托收是指不附有商业单据的金融单据项下的托收。

（4）跟单托收是指：a. 附有商业单据的金融单据项下的托收；b.不附有金融单据的商业单据项下的托收。

URC522(中)

《跟单托收统一规则》第522号(URC522)一、总则和定义第一款：《托收统一规则》第522号的应用。

（1）国际商会第522号出版物《托收统一规则》1995年修订本将适用于第二款所限定的、并在第四款托收指示中列明适用该项规则的所有托收项目。

除非另有明确的约定，或与某一国家、某一政府，或与当地法律和尚在生效的条例有所抵触，本规则对所有的关系人均具有约束力。

（2）银行没有义务必须办理某一托收或任何托收指示或以后的相关指示。

（2）单据是指金融单据和/或商业单据。

（3）光票托收是指不附有商业单据的金融单据项下的托收。

（4）跟单托收是指：a. 附有商业单据的金融单据项下的托收；b.不附有金融单据的商业单据项下的托收。

二、托收的形式和结构第四款托收指示（1）a.所有送往托收的单据必须附有一项托收指示，注明该项托收将遵循《托收统一规则》第522号文件并且列出完整和明确的指示。

国际商会托收统一规则

国际商会托收统一规则国际商会（ICC）出版物第522号一、总则和定义第一条：URC 522之适用（1）本国际商会第522号出版物《托收统一规则》1995年修订本，应适用于第二条界定的、并在第四条“托收指示”中列明适用该项规则的所有托收项目，且除非另有明确的相反约定，或与无法规避的某一国家、政府或地方法律及/或法规相抵触，本规则对所有的当事人均具有约束力。

（2）银行没有义务必须办理某一托收或任何托收指示或以后的相关指示。

（3）如果银行无论出于何种理由选择不办理它所收到的托收或任何相关的托收指示，应毫不延误地采用电讯，或者如果电讯不可能时，采用其它快捷的工具，通知向其发出托收或指示的当事人。

第二条：托收的定义就本规则各项条款而言：（1）托收是指银行依据所收到的指示，处理下述第（2）款所界定的单据，以便：a.取得付款及/或承兑；或b.付款交单及/或承兑交单；或c.按照其他条款和条件交付单据。

（2）单据是指金融单据及/或商业单据。

a.金融单据是指汇票、本票、支票或其他类似的可用于取得款项支付的凭证；b.商业单据是指发票、运输单据、所有权单据或其他类似的单据，或者不属于金融单据的任何其他单据。

（3）光票托收是指不附有商业单据的金融单据项下的托收。

（4）跟单托收是指：a. 附有商业单据的金融单据项下的托收；b.不附有金融单据的商业单据项下的托收。

第三条：托收当事人（1）就本规则各项条款而言，托收当事人有：a.委托人，即委托银行办理托收的当事人；b.托收行，即委托人委托办理托收的银行；c.代收行，即除托收行以外的任何参与处理托收业务的任何银行；d. 提示行，即向付款人提示单据的代收行。

（2）付款人，即根据托收指示向其提示单据的人。

二、托收的形式和结构第四条：托收指示（1） a.所有送往托收的单据必须附有一项托收指示，注明该项托收将遵循《托收统一规则》第522号出版物，并列出完整和明确的指示。

银行只准根据该托收指示中的命令和本规则行事；b.银行将不会为了取得指示而审核单据；c.除非托收指示中另有授权，银行将不理会向其发出托收的任何当事人/银行以外的任何当事人/银行的任何指示。

托收统一规则URC522

分析：根据《托收统一规则》第4条明确规定，“与托收有关的银行，对由于任何通知、信件或单据在寄送途中发生延误和（或）失落所造成的一切后果，或对电报、电传、电子传送系统在传送中发生延误、残缺和其他错误，或对专门性术语在翻译上和解释上的错误，概不承担义务或责任。”由此可以断定托收行已经善意地履行了义务。《托收统一规则》第1条即提出“银行应以善意和合理的谨慎行事”。签收的单据找不到了，又无《托收统一规则》第5条所规定的不可抗力来解脱责任，代收行明显地没有尽到谨慎义务，应该承担单据丢失的责任。

（二）代收行的权利与义务 1.对托收指示的处理没有执行托收指示的义务。如托收指示不明确，应征求托收行意见。

不从审单中获取托收指示
除非另有授权，对来自委托方以外的任何一方的指示不予理会。

2.对单据的处理代制单据单据的格式和措辞应由托收行提供,否则,托收行将不承担责任或对其负责。
5、通知代收情况代收行必须毫无延误地将付款通知、承兑通知、拒绝付款或拒绝承兑的通知向托收行发出。
（三）受托方的免责事项
1、对所收单据的免责银行将按单据收到时的原样提示，而不予地一步审核。
对于任何单据缺少或出现与托收指示中所列单据不一致时，必须用电讯，或用其他快捷的方法通知发出托收指示书的一方。
确认所收到的单据与托收指示书所列的是否一致 a.如果不一致或缺少，应毫不延迟地用电讯方式通知托收行。 b.代收行的主要责任是保管好单据，不得擅自将单据交给进口人。 c.代收行将单据按收到时的原样提示，不需审核。

3、对货物的处理银行与货物或买卖合同无关。 4、无延误地付款代收行必须将收妥的金额按托收指示无延误地拨交托收行。
五、义务与责任有关银行在办理托收业务时必须诚信、合理谨慎。如因银行的失误，给委托人造成不应有的损失，银行不能免除责任。

《托收统一规则》URC522

《托收统一规则》(简称“国际商会第522号出版物”或“URC522”)敬请注意：本规则各条的题目、分类或标题仅用于参考之目的，只应解释为方便或指引参照，不包含任何法律含义。

一、总则和定义第一条：URC522之适用（1）本国际商会第522号出版物《托收统一规则》1995年修订本，应适用于第二条界定的、并在第四条“托收指示”中列明适用该项规则的所有托收项目，且除非另有明确的相反约定，或与无法规避的某一国家、政府或地方法律及/或法规相抵触，本规则对所有的当事人均具有约束力。

（2）银行没有义务必须办理某一托收或任何托收指示或以后的相关指示。

（2）单据是指金融单据及/或商业单据。

（3）光票托收是指不附有商业单据的金融单据项下的托收。

（4）跟单托收是指：a. 附有商业单据的金融单据项下的托收；b.不附有金融单据的商业单据项下的托收。

（2）付款人，即根据托收指示向其提示单据的人。

URC522-chinese version

URC522URC522是国际商会于1979年1月号发布《托收统一规则》，一切国际商业贸易的托收规则都是根据本规则执行。

这个规则的效率与L/C的UCP600一致，深圳天捷建议各位国际贸易者，只有认真了解URC522,才能更好做好D/P托收操作。

以下是URC522中文版，本URC522中文版选自网络，我司对其翻译客观性与正确性不负担任何责任：托收统一规则（URC522中文版）（１９７８年国际商会修订）★总则和定义：Ａ．本总则、定义以及下列条文适用于下面（Ｂ）所限定的一切托收。

除非另有明示同意，或除非与一国、一州或地方所不得违反的法律条例的规定相抵触，它们对所有当事人都具有约束力。

Ｂ．就本规则、定义和条文而言：１．I．"托收"是指银行根据所收到的指示来处理下面（II）项所限定的单据，为了：ａ．取得承兑，和（或）视情况予以付款，或者ｂ．在承兑后，和（或）视情况在付款后交付商业单据，或者ｃ．按照其他条件交付单据。

II．"单据"是指资金单据和（或）商业单据：ａ．"资金单据"是指汇票、期票、支票、付款收据或其他用于取得付款的类似凭证；ｂ．"商业单据"是发票、装运单据、所有权单据或其他类似的单据，或者一切不属于资金单据的其他单据。

III．"光票托收"是指资金单据的托收，不附有商业单据。

Ⅳ．"跟单托收"是指：ａ．资金单据的托收，附有商业单据；ｂ．商业单据的托收，不附有资金单据。

２．"有关当事人"是指：I．"委托人"，是指委托银行，办理托收业务的客户；II．"委托行"，是指受委托人的委托，办理托收业务的银行；III．"代收?是指除委托行以外，参与办理托收指示的任何银行；Ⅳ．"提示行"是指向付款人作出指示的代收行。

托收统一规则URC522资料

《托收统一规则》解读与案例
一、《托收统一规则》的产生及发展
《托收统一规则》于1995年5月由国际商会银行委员会定名为国际商会第522号出版物（以下简称“URC522”）。 1996年1月1日实施。
二、《托收统一规则》的主要内容概述（URC522）共7部分，共26条。包括： A.总则及定义,包括3条； B.托收的形式和结构，包括1条； C.提示方式，包括4条； D.义务与责任，包括7条； E.付款，包括4条； F.利息、手续费及其它费用,包括2条； G.其它规定,包括5条。
确认所收到的单据与托收指示书所列的是否一致 a.如果不一致或缺少，应毫不延迟地用电讯方式通知托收行。 b.代收行的主要责任是保管好单据，不得擅自将单据交给进口人。 c.代收行将单据按收到时的原样提示，不需审核。

3、对货物的处理银行与货物或买卖合同无关。 4、无延误地付款代收行必须将收妥的金额按托收指示无延误地拨交托收行。
五、义务与责任有关银行在办理托收业务时必须诚信、合理谨慎。如因银行的失误，给委托人造成不应有的损失，银行不能免除责任。
（一）托收银行的权利与义务 1.托收银行的权利选择代收银行之权在委托人未指定代收银行的情形下

单证提示方法的决定权单据必须以银行收到时的形式向付款人提示
收回代垫费用之权即使未能收到货款，托收银行的托收手续费仍可向委托人收取。
托收的定义（Collection）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。取得付款及/或承兑凭付款及/或承兑交出单据以其他条款和条件交出单据
一、付款交单（Documents against Payment，D/P）买方付款后才能向代收行领取商业单据。

托收统一规则

三、托收的分类和流程
四、案例分析
案例一：出口商A向进口商B出口大蒜,双方达成协议采用D/P即期方式（即期付款交单）进行结算，并且明确表示适用于URC522的规定。出口商将这批大蒜装船出运后，随即向出口地银行提交了托收申请书和相应的单据，而C银行始终没有给出口商A答复。当这批货物到达目的港后，进口商B没有收到出口商A通过托收行给其寄来的海运提单等单据，无法迅速提货。随着时间的推移，这批大蒜开始腐烂变质，进口商B没有办法只好向出口商A发电要求速寄单据，出口商 A也感到莫名其妙，要求C银行给其答复。C银行的解释是：它始终没有答应为其办理托收业务。与此同时，由于当时A向其提交托收指示及相关单据的时间恰逢周五下午，C银行借故没来得及通知出口商 A，等到下周一的银行工作日时，已经是两天以后了；同时由于银行业务的复杂性又耽搁了一段时间。但等到出口商将单据重新寄交进口商的时候，此批大蒜已经出现了大范围的腐烂。出口商A只有降价处理给进口商B，损失惨重。
二、《托收统一规则》主要内容
（URC522）共7部分，共26条。包括：
A.总则及定义
B.托收的形式和结构 C.提示方式
包括3条
包括1条包括4条
D.义务与责任
E.付款 F.利息、手续费及其它费用 G.其它规定
包括7条
包括4条包括2条包括5条
根据《托收统一规则》规定托收意指银行根据所收的指示，处理金融单据或商业单据，目的在于取得付款或承兑，凭付款或承兑交单，或按其他条款及条件交单。上述定义中所涉及的金融单据是指汇票、本票、支票或其他用于付款或款项的类似凭证；商业单据是指发票、运输单据、物权单据或其他类似单据，或除金融单据之外的任何其他单据。需要注意的是，该规则本身不是法律，因而对一般当事人没有约束力。只有在有关当事人事先约定的条件下，才受该惯例的约束。

托收统一规则

4.银行有是否接受委托的自主权有人认为，一方收到了托收单据即自动使该当事方有义务处理此项托收业务。为消除上述误解，URC522在本条b分条中首次明确规定：银行没有处理托收单据或执行托收指示或其后相关指示的义务。所谓“其后相关指示”是指在托收业务中，委托人因情况变化，或由于其他原因，如根据进口商的要求，或在进口商拒付的情况下，通过银行变更原先“托收指示”中的条件，如增减托收金额、变更付款人名称、改变交单条件、延长付款期限等。按上述规定，银行不仅有拒绝处理托收单据或执行托收指示的权利，而且还享有拒绝处理其后相关托收指示的权利。这是因为，托收是银行提供的一种服务，银行有选择不提供这种服务的权利。事实上我们可以将申请人向银行发出托收指示及托收单据等行为当成一种要约，银行可以承诺或不承诺。
（二）托收的定义就本条款而言：（1）托收是指银行依据所收到的指示处理下述（2）款(金融单据和/或商业单据)所限定的单据，以便于： a.取得付款及/或承兑. 例如,进口方向出口方寄发一份以进口方银行为付款人的银行本票以结算货款时,出口方利用光票托收方式委托出口地一家银行向进口方银行托收该份以进口方银行为付款人的银行本票以取得货款.
B.不附有金融单据的商业的托收。即指托收单据中仅有发票、运输单证、保险单等商业单据，而不附有汇票等金融单据。由于有些国家规定汇票要征收印花税，所以这些国家的进口商要求出口商不要开立汇票，以逃避印花税。
值得注意的是，URC522对跟单托收中的“单”是指除金融单据以外的任何其他单据，而并不一定要求该单据中必须包括海运提单等物权凭证。但在实际进出口业务中，为掌握货物所有权，出口商通常均将物权凭证（如全套正本海运提单）附于跟单托收项下。此时，买方在未付清货款前拿不到物权凭证，提不走货物，货物的所有权仍属卖方。如买方到期拒不付款赎单，卖方除可与买方交涉外，还可将货物另行处理或再装运回。

托收统一规则中英文

国际商会托收统一规则（英文版）(ICC Uniform Rules for Collections ，ICC Publication No. 522 )ICC Uniform Rules for CollectionsICC Publication No. 5221995 Revision in force as of January 1, 1996CONTENTA. General Provisions and DefinitionsApplication of URC 522Definition of CollectionParties to a CollectionB. Form and Structure of CollectionsC.Form of PresentationPresentationSight/AcceptanceRelease of Commercial DocumentsDocuments Against Acception (D/A) vs Documents Against Payment (D/P) Creation of DocumentsD.Liabilities and ResponsibilitiesGood Faith and Reasonable CareDocuments vs. Goods/Services/PerformancesDisclaimer for Acts of an Instructed PartyDisclaimer on Documents ReceivedDisclaimer on Effectiveness of DocumentsDisclaimer on Delays,Loss in Transit and TranslationForce MajeureE. PaymentPayment Without DelayPayment in Local CurrencyPayment in Foreign CurrencyPartial PaymentF.Interest,Charges and ExpensesInterestCharges and ExpensesG. Other ProvisionsAcceptancePromissory Notes and other InstructionsProtestCase-of-NeedAdvices1A. General Provisions and DefinitionsArticle 1Application of URC 522a. 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.b. Banks shall have no obligation to handle either a collection or any collection instruction or subsequent related instructions.c. If a bank elects, for any reason, not to handle a collection or any related instructions received by it, it must advise the party from whom it received the collection or the instructions by telecommunication or, if that is not possible, by other expeditious means, without delay.Article 2Definition of CollectionFor the purposes of these Articles:a.“Collection”means the handling by banks of documents as defined in sub-Article 2 (b), in accordance received, in order to:I. obtain payment and/or acceptance, orII. deliver documents against payment and/or against acceptance,orIII. deliver documents on other terms and conditions.b.“Documents”means financial documents and/or commercial documents:I. “Financial documents”means bills of exchange,promissory notes, cheques, or other similar instruments used for obtaining the payment of money;II. “Commercial documents” means invoice,transport documents,documents of title or other similar documents,or any other documents whatsoever, not being financial documents.c.”Clean collection” means collection of financial documents not accompanied by commercial documents.d.”Documentary collection”means collection of:I. financial documents accompanied by commercial documents;mercial documents not accompanied by financial documents.Article 3a. For the purposes of these Articles the “parties thereto” are:I. the “principal” who is the party entrusting the handling of a collection to a bank;II. the “remitting bank” which is the bank to which the principal has entrusted the handling of a collection;III. “collecting bank” which is any bank,other than the remitting bank, involved in processing the collection;IV. the “presenting bank” which is the collecting bank making presentation to the drawee.b. The “drawee” is the one to whom presentation is to be made in accordance with the collection instruction.2B．Form and Structure of CollectionsArticle 4Collection InstructionA i. All documents sent for collection must be accompanied by a collection instruction indicating that the collection is subject to URC522 and giving complete and precise instructions. Banks are only permitted to act upon the instructions given in such collection instruction,and in accordance with these Rules.ii. Banks will not examine documents in order to obtain instructions.iii. Unless otherwise authorized in the collection instruction, banks will disregard any instructions from any party/bank other than the party/bank from whom they received the collections.B A collection instruction should contain the following items of information,as appropriate.i. Details of the bank from which the collection was received including full name,postal and SWIFT addresses,telex,telephone,facsimile numbers and referece.ii. Details of the principal including full name, postal address,and if applicable telex,telephone and facsimile numbers.iii. Details of the drawee including full name,postal address,or the domicile at which presentation is to be made and if applicable telex, telephone and facsimile numbers.iv. Details of the presenting bank,if any,including full name,postal address,and if applicable telex, telephone and facsimile numbers.v. Amount(s) and currency(ies) to be collected.vi. List of documents enclosed and the numerial count of each document.vii. a) Terms and conditions upon which payment and/or acceptance is to be obtained.b) Terms of delivery of documents against:1) payment and/or acceptance2)other terms and conditionsIt is the responsibility of the party preparing the collection instruction to ensure that the terms for the delivery of documents are clearly and unambiguously stated, otherwise banks will not be responsible for any consequences arising therefrom.viii. Charges to be collected, indicating whether they may be waived or not.ix. Interest to be collected, if applicable, indicating whether it may be waived or not, including:a) rate of interestb) interest periodc) basis of calculation (for example 360 or 365 days in year) as applicable.x. Method of payment and form of payment advice.xi. Instrucitons in case of non-payment, non-acceptance and/or non-compliance with other instructions.i. Collection instructions should bear the complete address of the drawee or of the domicile at which the presentation is to be made. If the address is incomplete or incorrect, the collecting bank may, without any liability and responsibility on its part, endeavour to ascertain the proper address. ii. The collecting bank will not be liable or responsible for any ensuing delay as a result of an incomplete.incorrect address being provided.B. Form of PresentationArticle 5Presentationa. For the purposes of these Articles, presentation is the procedure whereby the presenting bank makes the documents available to the drawee as instructed.3b. The collection instruction should state the exact period of time within which any action is to be taken by the drawee.Expressions such as “first”, “prompt”,”immediate”, and the like should not be used in connection with presentation or with reference to any period of time within which documents have to be taken up or for any other action that is to be taken by the drawee. If such terms are used banks will disregard them.c. Documents are to be presented to the drawee in the form in which they are received, except that banks are authorized to affix any necessary stamps, at the expense of the party from whom they received the collection unless otherwise instructed, and to make any necessary endorsements or place any rubber stamps or other identifying marks or symbols customary to or required for the collection operation.d. For the purpose of giving effect to the instructions of the principal, the remitting bank will utilize the bank nominated by the principal as the collecting bank. In the absence of such nomination, the remitting bank will utilize any bank of its own, or another bank’s choice in the country of payment or acceptance or in the country where other terms and conditions have to be complied with.e. The documents and collection instruction may be sent directly by the remitting bank to the collecting bank or through another bank as intermediary.f. If the remitting bank does not nominate a specific presenting bank, the collecting bank may utilize a presenting bank of its choice.Article 6Sight/AcceptanceIn the case of documents payable at sight the presenting bank must make presentation for payment without delay.In the case of documents payable at a tenor other than sight the presenting bank must, where acceptance is called for, make presentation for acceptance without delay, and where payment is called for, make presentation for payment not later than the appropriate maturity date.Article 7Release of Commercial DocumentsDocuments Against Acceptance (D/A) vs. Documents Against Payment (D/P)a.Collection should not contain bills of exchange payable at a future date with instruction that commercial documents are to be delivered against payment.b. If a collection contains a bill of exchange payable at a future date, the collection instruction should state whether the commercial documents are to be released to the drawee against acceptance (D/A) or against payment (D/P).In the absence of such statement commercial documents will be released only against payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.c. If a collection contains a bill of exchange payable at a future date and the collection instruction indicates that commercial documents are to be released against payment, documents will be released only against such payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.Article 8Creation of DocumentsWhere the remitting bank instructs that either the collecting bank or the drawee is to create documents (bills of exchange promissory notes, trust receipts,letters of undertaking or other documents) that were not included in the collection, the form and wording of such documents4shall be provided by the remitting bank, otherwise the collecting bank shall not be liable or responsible for the form and wording of any such document provided by the collecting bankand/or the drawee.C. Liabilities and ResponsibilitiesArticle 9Good faith and Reasonable CareBanks will act in good faith and exercise reasonable care.Article 10Documents vs. Goods/Services/Performancesa.Goods should not be dispatched directly to the address of a bank or consigned to or to the order of a bank without prior agreement on the part of that bank.Nvertheless, in the event that goods are dispatched directly to the address of a bank or consignedto or to the order of a bank for release to a drawee against payment or acceptance or upon other terms and conditions without prior agreement on the part of that bank, such bank shall have no obligation to take delivery of the goods, which remain at the risk and responsibility of the party dispatching the goods.b. Banks have no obligation to take any action in respect of the goods to which a documentary collection relates, including storage and insurance of the goods even when specific instructions are given to do so. Banks will only take such action if, when, and to the extent that they agree to do so in each case, notwithstanding the provisions of sub-article 1 (c), this rule applies even in the absence of any specific advice to this effect by the collecting bank.c. Nevertheless, in the case that banks take action for the protection of the goods, whether instructed or not, they assume no liability or responsibility with regard to the fate and/or condition of the goods and/or for any acts and/or omissions on the part of any third parties entrusted with the custody and/or protection of the goods. However, the collecting bank must advise without delay the bank from which the collection instruction was received of any such action taken.d. Any charges and/or expensed incurred by banks in connection with any action taken to protect the goods will be for the account of the party from whom they received the collection.e. i. Notwithstanding the provisions of sub-article 10 (a), where the goods are consigned to or the order of the collecting bank and the drawee has honoured the collection by payment, acceptance or other terms and conditions, and the collecting bank arranges for the authorized the collecting bank to do so.ii.Where a collecting bank on the instructions of the remitting bank or in terms of sub-article 10 (e) i, arranges for the release of the goods, the remitting bank shall indemnify such collecting bank for all damages and expenses incured.Article 11Disclaimer For Acts of an Instructed Partya. Banks utilizing the services of another bank or other banks for the purposes of giving effect to the instructions of the principal, do so for the account and at the risk of such principal.b. Banks assume no liability or responsibility should the instructions they transmit not be carried out, even if they have themselves taken the initiative in the choice of such other bank(s).c. A party instructing another party to perform services shall be bound by and liable to indemnify the instructed party against all obligations and responsibilities imposed by foreign laws and usages. Article 12Disclaimer on Documents Receiveda.Bank must determine that the documents received appear to be as listed in the collection5instruction and must advise by telecom-munication or, if that is not possible, by other expeditious means, without delay, the party from whom the collection instruction was received of any documents missing, or found t be other than listed.Banks have no further obligation in this respect.b. If the documents do not appear to be listed, the remitting bank shall be precluded from disputing the type and number of documents received by the collecting bank.c. Subject to sub-article 5 (c) and sub-article 12 (a) and 12 (b) above, banks will present documents as received without further examination.Article 13Disclaimer on Effectiveness of DocumentsBanks assume no liability or responsibility ofr the form,sufficiency,accuracy,genuineness,falsification or legal effect of any document (s) or superimposed thereon; nor do they assume any liability, condition,packing ,delivery, value of existence of the goods represented by any document (s),or for the good faith or acts and/oromission,solvency,performance or standing of the consignors, the carriers,the forwarders,the consignees or the insurers of the goods, or any other person whomsoever.Article 14Disclaimer on Delays,Loss in Transit and Translationa.Banks assume no liability or responsibility for the consequences arising out of delay and/or loss in transit of any message (s), letter(s) or document(s), or for delay,mutilation or other error(s) arising in transmission of any telecommunication or for error(s) in translation and/or interpretation of technical terms.b. Banks will not be liable or responsible for any delays resulting from the need to obtain clarification of any instructions received.Article 15Force MajeureBanks assume no liability or responsibility for consequence arising out of the interruption of their business by Acts of God, riots,civil commotios,insurrections, wars, or any other causes beyond their control or by strikes or lockouts.D. PaymentArticle 16Payment Without Delaya.Amounts collected (less charges and/or disbursements and/or expenses where applicable) must be made available without delay to the party from whom the collection instruction was received in accordance with the terms and conditions of the collection instruction.b. Notwithstanding the provisions of sub-article 1 (c) and unless otherwise agreed, the collecting bank will effect payment of the amounts collected in favour of the remitting bank only.Article 17Payment in Local CurrencyIn the case of documents payable in the currency of the country of payment (local currency), the presenting bank must, unless otherwise instructed in the collection instruction, release the documents to the drawee against payment in local currency only if such currency is immediately available for disposal in the manner specified in the collection instruction.6Article 18Payment in Foreign CurrencyIn the case of documents payable in a currency other than of the country of payment (foreign currency), the presenting bank must, unless otherwise instructed in the collectioninstruction,release the documents to the drawee against payment in the designed foreign currency only if such foreign currency can immediately remitted in accordance with the instructions given in the collection instruction.Article 19Partial Paymentsa.In respect of clean collections, partial payments may be accepted if and to the extent to which and on the conditions on which partial payments are authorized by the law in force in the place of payment. The financial document(s) will be released to the drawee only when full payment thereof has been received.b. In respect of documentary collection, partial payments will only be accepted if specifically authorized in the collection instruction. However,unless otherwise instructed, the presenting bank will release the documents to the drawee only after full payment has been received, and the presenting bank will not be responsible for any consequence arising out of any delay in the delivery of documents.c.In all cases partial payments will be accepted only subject to compliance with the provisions of either Article 17 or Article 18 as appropriate. Partial payment, if accepted, will be dealt with in accordance with the provisions of Article 16.E. Interest, Charges and ExpensesArticle 20Interesta.If the collection instruction specifies that interest is to be collected and the drawee refuses to pay such interest, the presenting bank may deliver the document (s) against payment of acceptance or on other terms and conditions as the case may be, without collecting such interest, unless sub-article 20 (c) applies.b. Where such interest is to be collected, the collection instruction must specify the rate of interest,interest period and basis of calculation.c.Where the collection instruction expressly states that interest may not be waived and the drawee refuses to pay such interest the presenting abnk will not deliver document and will not be responsible for any consequences arising out of any delay in the delivery of document(s). When payment of interest has been refused, the presenting bank must inform by telecommunication or, if that is not possible, by other expeditious means without delay the bank from which the collection instruction was received.Article 21Charges and Expensesa.If the collection instruction specifies that collection charges and/or expenses are to be ofr account of the drawee and the drawee refuses to pay them, the presenting bank may deliver the document(s) against payment or acceptance or on other terms and conditions as the case may be, without collecting charges and/or expenses,unless sub-article 21 (b) applies.Whenever collection charges and/or expenses are so waived they will be for the account of the party from whom the collection was received and may be deducted from the proceeds.b.Where the collection instruction expressly states that charges and/or expenses may not be waived and the drawee refuses to pay such charges and/or expenses, the presenting bank will not7deliver documents and will not be responsible for any consequence arising out of any delay in the delivery of the document(s). When payment of collection charges and/or expenses has been refused the presenting bank must inform by telecommunication or, if that is not possible, by other expeditious means without delay the bank from which the collection instruction was received. c.In all cases where in the express terms of a collection instruction or under these Rules, disbursements and/or expenses and/or collection charges are to be borne by the principal, the collecting bank(s) shall be entitled to recover promptly outlays in respect of disbursements,expenses and charges from the bank form which the collection instruction ws received, and the remitting bank shall be entitled to recover promptly from the principal any amount so paid out by it,together with its own disbursements,expenses and charges,regardless of the fate of the collection.d.Banks reserve the right to demand payment of charges and/or expenses in advance from the party from whom the collection instruction was received, to cover costs in attempting to carry out any instructions, and pending receipt of such payment also reserve the right not to carry out such instructions.F. Other ProvisionsArticle 22AcceptanceThe presenting bank is responsible for seeing that the form of the acceptance of a bill of exchange appears to be complete and correct, but is not responsible for the genuineness of any signature or for the authority of any signatory to sign the acceptance.Article 23Promissory Notes and Other InstructionsThe presenting bank is not responsible fo the genuineness of any signature or for the authority of any signature to sign a promissory note, receipt, or other instruments.Article 24ProtestThe collection instruction should give specific instructions regarding protest (or other legal process in lieu thereof), in the event of non-payment or non-acceptance.In the absence of such specific instructions, the banks concerned with the collection have no obligation to have the document(s) protested (or subjected to other legal process in lieu thereof) for non-payment or non-acceptance.Any charges and/or expenses incurred by banks in connection with such protest, or other legal process,will be for the account of the party from whom the collection instruction was received. Article 25Case-of-NeedIf the principal nominates a representative to act as case-of-need in the event of non-payment and/or non-acceptance the collection instruction should clearly and fully indicate the powers of such case-of-need. In the absence of such indication banks will not accept any instructions from the case-of-need.Article 26AdvicesCollecting banks are to advise fate in accordance with the following rules:a.Form of Advise8All advices of information from the collecting bank to the bank from which the collection instruction was received, must bear appropriate details including, in all cases,the latter bank’s reference as stated in the collection instruction.b.Method of AdviceIt shall be the responsibility of the remitting bank to instruct the collecting bank regarding the method by which the advices detailed in (c) i, (c) ii and (c) iii are to be given. In the absence of such instructions, the collecting bank will send the relative advices by the method of its choice at the expense of the bank from which the collection instruction was received.c. i. Advice of PaymentThe collecting bank must send without delay advice of payment to the bank from which the collection instruction was received, detailing the amount or amounts collected,charges and/or disbursements and/or expenses deducted, where appropriate, and method of disposal of the funds. ii.Advice of AcceptanceThe collecting bank must send without delay advice of acceptance to the bank from which the collection instruction was received.iii.Advice of Non-payment and/or Non-acceptanceThe presenting bank should endeavour to ascertain the reasons for non-payment and/or non-acceptance and advise accordingly, without delay,the bank from which it received the collection instruction.The presenting bank must send without delay advice of non-payment and/or advice of non-acceptance to the bank form which it received the collection instruction.On receipt of such advice the remitting bank must give appropriate instructions as to the further handling of the documents. If such instructions are not received by the presenting bank within 60 days after its advice of non-payment and/or non-acceptance, the documents may be returned to the bank from which the collection instruction was received without any further responsibility on the part of the presenting bank.一、总则和定义第一款《托收统一规则》第522号的应用。

中国银行关于发送《托收统一规则(URC522)的掌握原则》的通知-

中国银行关于发送《托收统一规则(URC522)的掌握原则》的通知正文：----------------------------------------------------------------------------------------------------------------------------------------------------中国银行关于发送《托收统一规则(URC522)的掌握原则》的通知（1996年1月1日）各省、自治区、直辖市分行，计划单列市、经济特区分行，沈阳市、长春市、哈尔滨市、南京市、武汉市、广州市、成都市、西安市、杭州市、济南、浦东分行，总行营业部(2)：随着世界各国银行实务、法律等方面的发展，托收业务也出现了一些新的问题。

为此，国际商会组织了专门的工作小组对《托收统一规则》进行修订，并于1996年1月1日生效实施。

近年来，我国采用托收方式办理国际结算的比重越来越大，国内各种公司、企业经济成分多样化的发展，亦使托收业务中各种关系人之间的关系日趋复杂，从而也就加大了银行在叙办托收业务中的责任与风险。

为使各级行在依照《托收统一规则》办理托收业务时口径统一，步调一致，总行制定了《托收统一规则(URC522)的掌握原则》，现下发各分行(详见附件一)。

有关凭证格式的调整，总行国际业务部将根据《托收统一规则》的有关内容调整“COLLECTIONIN STRUCTION”，由总行总务部统一印刷并下发各分行。

在新格式正式下发前，仍使用原有格式，但需在原有格式中将(URC NO.322)改为(URC NO.522)，待新格式到后立即启用。

各省行于每年11月15日前将下一年该凭证全辖用量报总行总务部(物资供应处)。

此文附件二为客户委托我行办理托收业务的《托收委托书》样本，省辖行根据样本统一印制，自行决定启用时间。

《托收委托书》中的有关说明，详见附件三。

本掌握原则请国内各级行遵照执行；海外分行可根据当地同业习惯、法律规定，结合本掌握原则参考执行。

托收统一规则中英文完整版

国际商会托收统一规则(英文版)(ICC Uniform Rules for Collections ，ICC Publication No. 522 )ICC Uniform Rules for CollectionsICC Publication No. 5221995 Revisi on in force as of Jan uary 1, 1996CONTENTA. Gen eral Provisi ons and Defin iti onsApplication of URC 522Defin iti on of Collectio nParties to a Collect ionB. Form and Structure of Collecti onsof Prese ntati onPrese ntatio nSight/Accepta neeRelease of Commercial Docume ntsDocume nts Aga inst Acceptio n (D/A) vs Docume nts Aga inst Payme nt (D/P) Creati on of Docume ntsand Resp on sibilitiesGood Faith and Reas on able CareDocume nts vs. Goods/Services/Performa ncesDisclaimer for Acts of an In structed PartyDisclaimer on Docume nts ReceivedDisclaimer on Effective ness of Docume ntsDisclaimer on Delays,Loss in Tran sit and Tran slatio nForce MajeureE. Payme ntPayme nt Without DelayPayme nt in Local Curre ncyPayme nt in Foreig n CurrencyPartial Payme nt‘Charges and Expe nsesIn terestCharges and Expe nsesG. Other Provisi onsAccepta neePromissory Notes and other In struct ionsProtestCase-of-NeedAdvices11A. Gen eral Provisi ons and Defin iti onsArticle 1Application of URC 522a. The Uniform Rules for Collections, 1995 Revision, ICC Publication , shall apply to all collecti ons as defi ned in Article 2 where such rules are in corporated into the text of the“ collectio n in structi on ” referred to in Article 4 and are binding on all parties thereto uni ess otherwise expressly agreed or con trary to the provisi ons of a n ati on al,state or local law an d/or regulati on which cannot be departed from.b. Banks shall have no obligatio n to han dle either a collectio n or any collectio n in structi on or subseque nt related in struct ions.c. If a bank elects, for any reas on, not to han dle a collectio n or any related in struct ions received by it, it must advise the party from whom it received the collectio n or the in struct ions by telecom muni cati on or, if that is not possible, by other expeditious means, without delay.Article 2Defin iti on of Collectio nFor the purposes of these Articles:a. “ Collect ion ” means the han dli ng by banks of docume nts as defi ned in sub-Article 2(b), in accorda nee received, in order to:I. obta in payme nt an d/or accepta nee, orII. deliver docume nts aga inst payme nt an d/or aga inst accepta nce,orIII. deliver docume nts on other terms and con diti ons.b. “ Documents” means financial documents and/or commercial documents:I. “ Financial documents ” means bills of exchange,promissory notes, cheques, or other similar in strume nts used for obta ining the payme nt of mon ey;II. “Commercial documents ” means invoice,transport documents,documents of title or other similar docume nts,or any other docume nts whatsoever, not being finan cial docume nts.c. ” Clean collection ” means collection of financial documents not accompanied by commercial docume nts.d. ” Docume ntary collect ion ” means collect ion of:I. finan cial docume nts accompa nied by commercial docume nts;docume nts not accompa nied by finan cial docume nts.Article 3a. For the purposes of these Articles the “ parties thereto” are:I. the “ prin cipal ” who is the party en trusti ng the han dli ng of a collect ion to a bank;II. the “ remitting bank ” which is the bank to which the principal has entrusted the han dli ng of a collect ion;III. “collecting bank ” which is any bank,other than the remitting bank, involved in process ing the collect ion;IV. the “ presenting bank” which is the collecting bank making presentation to the drawee.b. The “drawee” is the one to whom presentation is to be made in accordanee with the22collecti on in structio n. 23B . Form and Structure of Collect ionsArticle 4Collectio n In structi onA i. All docume nts sent for collectio n must be accompa nied by a collecti on in structio n in dicati ng that the collect ion is subject to URC522 and givi ng complete and precise in struct ions. Banks are only permitted to act upon the in struct ions give n in such collecti on in struct ion,and in accorda nee with these Rules.ii. Banks will not exam ine docume nts in order to obta in in struct ions.iii. Uni ess otherwise authorized in the collect ion in struct ion, banks will disregard any in struct ions from any party/ba nk other tha n the party/ba nk from whom they received the collecti ons.B A collectio n in structio n should con tain the followi ng items of in formatio n,as appropriate.i. Details of the bank from which the collection was received including full name,postal and SWIFT addresses,telex,teleph on e,facsimile nu mbers and referece.ii. Details of the prin cipal in clud ing full n ame, postal address,a nd if applicabletelex,telephone and facsimile numbers.iii. Details of the drawee including full name,postal address,or the domicile at which presentation is to be made and if applicable telex, telephone and facsimile numbers.iv. Details of the presenting bank,if any,including full name,postal address,and if applicable telex, teleph one and facsimile nu mbers.v. Amoun t(s) and curre ncy(ies) to be collected.vi. List of docume nts en closed and the nu merial count of each docume nt.vii. a) Terms and con diti ons upon which payme nt an d/or accepta nee is to be obta in ed.b) Terms of delivery of docume nts aga in st:1) payme nt an d/or accepta nee2) other terms and con diti onsIt is the resp on sibility of the party prepari ng the collect ion in struct ion to en sure that the terms for the delivery of docume nts are clearly and un ambiguously stated, otherwise banks will not be resp on sible for any con seque nces aris ing therefrom.viii. Charges to be collected, in dicat ing whether they may be waived or n ot.ix. In terest to be collected, if applicable, in dicat ing whether it may be waived or not, in cludi ng:a) rate of in terestb) in terest periodc) basis of calculati on (for example 360 or 365 days in year) as applicable.x. Method of payme nt and form of payme nt advice.xi. I nstrucit ons in case of non-payme nt, non-accepta nee an d/or non-complia nee with other in struct ions.i. Collectio n in struct ions should bear the complete address of the drawee or of the domicile at which the prese ntati on is to be made. If the address is in complete or in correct, the collecti ng bank may, without any liability and resp on sibility on its part, en deavour to ascerta in the proper address.ii. The collect ing bank will not be liable or resp on sible for any ensuing delay as a result of an address being provided.B. Form of Prese ntati onArticle 533Prese ntatio na. For the purposes of these Articles, prese ntati on is the procedure whereby the prese nting bank makes the docume nts available to the drawee as in structed.b. The collection instruction should state the exact period of time within which any action is to be take n by the drawee.Expressions such as “ first ” , “ prompt ”，” immediate ” , and the like should not be used in connection with presentation or with referenee to any period of time within which documents have to be take n up or for any other action that is to be take n by the drawee. If such terms are used banks will disregard them.c. Docume nts are to be prese nted to the drawee in the form in which they are received, except that banks are authorized to affix any n ecessary stamps, at the expe nse of the party from whom they received the collect ion uni ess otherwise in structed, and to make any n ecessaryen dorseme nts or place any rubber stamps or other ide ntify ing marks or symbols customary to or required for the collect ion operati on.d. For the purpose of giving effect to the instructions of the principal, the remitting bank will utilize the bank nominated by the principal as the collecting bank. In the absence of such nomination, the remitting bank will utilize any bank of its own, or another bank ' s choice in the country of payme nt or accepta nce or in the country where other terms and con diti ons have to be complied with.e. The documents and collection instruction may be sent directly by the remitting bank to the collect ing bank or through ano ther bank as in termediary.f. If the remitti ng bank does not nomin ate a specific prese nting bank, the collect ing bank may utilize a presenting bank of its choice.Article 6Sight/Accepta nceIn the case of docume nts payable at sight the prese nting bank must make prese ntati on for payme nt without delay.In the case of docume nts payable at a tenor other tha n sight the prese nti ng bank must, where accepta nce is called for, make prese ntati on for accepta nce without delay, and where payme nt is called for, make prese ntati on for payme nt no t later tha n the appropriate maturity date.\ Article 7Release of Commercial Docume ntsDocume nts Aga inst Accepta nce (D/A) vs. Docume nts Aga inst Payme nt (D/P) should not contain bills of excha nge payable at a future date with in struct ion that commercial docume nts are to be delivered aga inst payme nt.b. If a collect ion contains a bill of excha nge payable at a future date, the collect ionin struct ion should state whether the commercial docume nts are to be released to the drawee aga inst accepta nce (D/A) or aga inst payme nt (D/P).In the abse nce of such stateme nt commercial docume nts will be released only aga inst payme nt and the collect ing bank will not be resp on sible for any con seque nces aris ing out of any delay in the delivery of docume nts.c. If a collect ion contains a bill of excha nge payable at a future date and the collect ionin struct ion in dicates that commercial docume nts are to be released aga inst payme nt, docume nts will be released only aga inst such payme nt and the collect ing bank will not be resp on sible for any con seque nces aris ing out of any delay in the delivery of docume nts.Article 8Creati on of Docume nts44Where the remitti ng bank in structs that either the collect ng bank or the drawee is to create docume nts (bills of excha nge promissory no tes, trust receipts,letters of un dertak ing or other docume nts) that were not in cluded in the collecti on, the form and word ing of such docume nts shall be provided by the remitt ing bank, otherwise the collect ing bank shall not be liable or resp on sible for the form and word ing of any such docume nt provided by the collect ing bank an d/or the drawee.C. Liabilities and Resp on sibilitiesArticle 9Good faith and Reas on able CareBanks will act in good faith and exercise reas on able care.Article 10Docume nts vs. Goods/Services/Performa ncesshould not be dispatched directly to the address of a bank or con sig ned to or to the order of a bank without prior agreeme nt on the part of that bank.Nvertheless, in the event that goods are dispatched directly to the address of a bank or con sig ned to or to the order of a bank for release to a drawee aga inst payme nt or accepta nee or upon other terms and con diti ons without prior agreeme nt on the part of that bank, such bank shall have no obligati on to take delivery of the goods, which rema in at the risk and resp on sibility of the party dispatch ing the goods.b. Banks have no obligation to take any action in respect of the goods to which a docume ntary collectio n relates, i ncludi ng storage and in sura nee of the goods even whe n specific in struct ions are give n to do so. Banks will only take such action if, whe n, and to the exte nt that they agree to do so in each case, no twithsta nding the provisi ons of sub-article 1 (c), this rule applies even in the abse nee of any specific advice to this effect by the collect ing bank.c. Nevertheless, in the case that banks take acti on for the protect ion of the goods, whether in structed or not, they assume no liability or resp on sibility with regard to the fate an d/or con diti on of the goods an d/or for any acts an d/or omissi ons on the part of any third parties en trusted with the custody an d/or protect ion of the goods. However, the collecti ng bank must advise without delay the bank from which the collection instruction was received of any such action taken.d. Any charges an d/or expe nsed in curred by banks in conn ecti on with any action take n to protect the goods will be for the acco unt of the party from whom they received the collecti on.e. i. Notwithsta nding the provisi ons of sub-article 10 (a), where the goods are con sig ned to or the order of the collect ing bank and the drawee has honoured the collecti on by payme nt, accepta nee or other terms and con diti ons, and the collect ing bank arran ges for the authorized the collect ing bank to do so.a collect ing bank on the in struct ions of the remitt ing bank or in terms of sub-article 10 (e) i, arran ges for the release of the goods, the remitt ing bank shall indemnify such collect ing bank for all damages and expe nses in cured.Article 11Disclaimer For Acts of an In structed Partya. Banks utiliz ing the services of ano ther bank or other banks for the purposes of givi ng effect to the in struct ions of the prin cipal, do so for the acco unt and at the risk of such prin cipal.b. Banks assume no liability or resp on sibility should the in struct ions they tran smit not be carried out, even if they have themselves taken the initiative in the choice of such other bank(s).c. A party in struct ing ano ther party to perform services shall be bound by and liable to indemnify the in structed party aga inst all obligati ons and resp on sibilities imposed by foreig n laws and usages.55Article 12Disclaimer on Docume nts Receivedmust determ ine that the docume nts received appear to be as listed in the collect ionin struct ion and must advise by telecom-muni catio n or, if that is not possible, by other expeditious means, without delay, the party from whom the collection instruction was received of any docume nts miss ing, or found t be other tha n listed.Banks have no further obligati on in this respect.b. If the docume nts do not appear to be listed, the remitt ing bank shall be precluded from disputi ng the type and nu mber of docume nts received by the collect ing bank.c. Subject to sub-article 5 (c) and sub-article 12 (a) and 12 (b) above, banks will prese nt docume nts as received without further exam in ati on.Article 13Disclaimer on Effective ness of Docume ntsBanks assume no liability or responsibility ofr the form, sufficie ncy,accuracy,ge nuineness,falsificati on or legal effect of any docume nt (s) or superimposed there on; nor do they assume any liability, con diti on ,pack ing ,delivery, value of existe nee of the goods represe nted by any docume nt (s),or for the good faith or acts an d/or omissi on, solve ncy,performa nee or sta nding of the con sig nors, the carriers,the forwarders,the con sig nees or the in surers of the goods, or any other pers on whomsoever.Article 14Disclaimer on Delays,Loss in Tran sit and Tran slatio nassume no liability or resp on sibility for the con seque nces aris ing out of delay an d/or loss in transit of any message (s), letter(s) or document(s), or for delay,mutilation or other error(s) arising in tran smissi on of any telecom muni cati on or for error(s) in tran slati on an d/or in terpretati on of tech ni cal terms.b. Banks will not be liable or resp on sible for any delays result ing from the n eed to obta in clarificati on of any in struct ions received.Article 15Force MajeureBanks assume no liability or responsibility for consequence arising out of the interruption of their bus in ess by Acts of God, riots,civil commotios,i nsurrect ions, wars, or any other causes bey ond their con trol or by strikes or lockouts.D. Payme ntArticle 16Payme nt Without Delaycollected (less charges an d/or disburseme nts an d/or expe nses where applicable) must be made available without delay to the party from whom the collect ion in struct ion was received in accordance with the terms and conditions of the collection instruction.b. Notwithsta nding the provisi ons of sub-article 1 (c) and uni ess otherwise agreed, the collect ing bank will effect payme nt of the amounts collected in favour of the remitti ng bank only.Article 17Payme nt in Local Curre ncy66In the case of docume nts payable in the curre ncy of the country of payme nt (local curre ncy), the prese nting bank must, uni ess otherwise in structed in the collect ion in structi on, release the docume nts to the drawee aga inst payme nt in local curre ncy on ly if such curre ncy is immediately available for disposal in the manner specified in the collection instruction.Article 18Payme nt in Foreig n CurrencyIn the case of docume nts payable in a curre ncy other tha n of the country of payme nt (foreig n curre ncy), the prese nting bank must, uni ess otherwise in structed in the collecti on in struct ion, release the docume nts to the drawee aga inst payme nt in the desig ned foreig n curre ncy only if such foreig n curre ncy can immediately remitted in accorda nee with the in structi ons give n in the collectio n in structio n.Article 19Partial Payme ntsrespect of clea n collect ions, partial payme nts may be accepted if and to the exte nt to which and on the conditions on which partial payments are authorized by the law in force in the place of payment. The financial document(s) will be released to the drawee only when full payment thereof has bee n received.b. In respect of docume ntary collecti on, partial payme nts will only be accepted if specifically authorized in the collect ion in struct ion. However,u nl ess otherwise in structed, the prese nting bank will release the docume nts to the drawee only after full payme nt has bee n received, and the presenting bank will not be responsible for any consequence arising out of any delay in the delivery of docume nts.all cases partial payme nts will be accepted only subject to complia nce with the provisi ons of either Article 17 or Article 18 as appropriate. Partial payment, if accepted, will be dealt with in accorda nce with the provisi ons of Article 16.E. In terest, Charges and Expe nsesArticle 20In terestthe collecti on in struct ion specifies that in terest is to be collected and the drawee refuses to pay such in terest, the prese nti ng bank may deliver the docume nt (s) aga inst payme nt of accepta nce or on other terms and con diti ons as the case may be, without collect ing such in terest, uni ess subarticle 20 (c) applies.b. Where such in terest is to be collected, the collect ion in struct ion must specify the rate of interest,interest period and basis of calculation.the collecti on in struct ion expressly states that in terest may not be waived and the drawee refuses to pay such in terest the prese nti ng abnk will not deliver docume nt and will not be resp on sible for any con seque nces aris ing out of any delay in the delivery of docume nt(s). When payment of interest has been refused, the presenting bank must inform by telecommunication or, if that is not possible, by other expeditious means without delay the bank from which the collecti on in struct ion was received.Article 21Charges and Expe nsesthe collecti on in struct ion specifies that collect ion charges an d/or expe nses are to be ofr acco unt of the drawee and the drawee refuses to pay them, the prese nting bank may deliver the77docume nt(s) aga inst payme nt or accepta nee or on other terms and con diti ons as the case may be, without collect ing charges an d/or expe nses, uni ess sub-article 21 (b) applies.When ever collect ion charges an d/or expe nses are so waived they will be for the acco unt of the party from whom the collect ion was received and may be deducted from the proceeds.the collecti on in struct ion expressly states that charges an d/or expe nses may not be waived and the drawee refuses to pay such charges an d/or expe nses, the prese nti ng bank will not deliver docume nts and will not be resp on sible for any con seque nee aris ing out of any delay in the delivery of the docume nt(s). When payme nt of collecti on charges an d/or expe nses has bee n refused the presenting bank must inform by telecommunication or, if that is not possible, by other expeditious means without delay the bank from which the collecti on in structi on was received.all cases where in the express terms of a collectio n in structio n or un der these Rules, disburseme nts an d/or expe nses an d/or collect ion charges are to be borne by the prin cipal, the collect ing ban k(s) shall be en titled to recover promptly outlays in respect of disburseme nts,expe nses and charges from the bank form which the collectio n in structio n ws received, and the remitting bank shall be entitled to recover promptly from the principal any amount so paid out by it,together with its own disbursements,expenses and charges,regardless of the fate of the collect ion.reserve the right to dema nd payme nt of charges an d/or expe nses in adva nee from the party from whom the collect ion in struct ion was received, to cover costs in attempti ng to carry out any in struct ions, and pending receipt of such payme nt also reserve the right not to carry out such in struct ions.F. Other Provisi onsArticle 22Accepta neeThe prese nting bank is resp on sible for see ing that the form of the accepta nee of a bill of excha nge appears to be complete and correct, but is not resp on sible for the genuinen ess of any sig nature or for the authority of any sig natory to sig n the accepta nee.Article 23Promissory Notes and Other In structi onsThe presenting bank is not responsible fo the genuineness of any sig nature or for the authority of any sig nature to sig n a promissory no te, receipt, or other in strume nts.Article 24ProtestThe collectio n in structio n should give specific in struct ions regard ing protest (or other legal process in lieu thereof), in the event of non-payme nt or non-accepta nee.In the abse nee of such specific in struct ions, the banks concerned with the collect ion have no obligati on to have the docume nt(s) protested (or subjected to other legal process in lieu thereof) for non-payme nt or non-accepta nee.Any charges an d/or expe nses in curred by banks in conn ecti on with such protest, or other legal process,will be for the acco unt of the party from whom the collecti on in struct ion was received.Article 25Case-of-NeedIf the prin cipal nomin ates a represe ntative to act as case-of- need in the event of non-payme nt an d/or non-accepta nee the collect ion in structi on should clearly and fully in dicate the powers of 88such case-of- need. In the abse nee of such in dicati on banks will not accept any in structi ons from the case-of- need.Article 26AdvicesCollecting banks are to advise fate in accordance with the following rules:of AdviseAll advices of information from the collecting bank to the bank from which the collection in struct ion was received, must bear appropriate details in clud in g, in all cases,the latter bank ' s refere nce as stated in the collectio n in structio n.of AdviceIt shall be the resp on sibility of the remitt ing bank to in struct the collect ing bank regard ing the method by which the advices detailed in (c) i, (c) ii and (c) iii are to be give n. In the abse nce of such in struct ions, the collect ing bank will send the relative advices by the method of its choice at the expe nse of the bank from which the collectio n in structio n was received.c. i. Advice of Payme ntThe collect ing bank must send without delay advice of payme nt to the bank from which the collecti on in struct ion was received, detaili ng the amount or amounts collected,charges an d/or disburseme nts an d/or expe nses deducted, where appropriate, and method of disposal of the funds.of Accepta nceThe collecti ng bank must send without delay advice of accepta nce to the bank from which the collectio n in structio n was received.of Non-payme nt an d/or Non-accepta nceThe prese nting bank should en deavour to ascerta in the reas ons for non-payme nt an d/or non- accepta nce and advise accord in gly, without delay,the bank from which it received the collect ion in structio n.The prese nti ng bank must send without delay advice of non-payme nt an d/or advice of non- accepta nce to the bank form which it received the collectio n in structio n.On receipt of such advice the remitt ing bank must give appropriate in struct ions as to the further han dli ng of the docume nts. If such in struct ions are not received by the prese nti ng bank within 60 days after its advice of non-payme nt an d/or non-accepta nce, the docume nts may be returned to the bank from which the collectio n in structio n was received without any further resp on sibility on the part of the prese nting bank.一、总则和定义第一款《托收统一规则》第522号的应用。

URC522的适用和托收指示

URC522的适用
第一条（2）银行没有义务必须办理某一托收或任何托收指示或以后的相
关指示。（3）如果银行无论出于何种理由选择了不办理它所收到的托收或
任何相关的托收指示，它必须毫不延误地采用电讯，或者如果电讯不可能时采用其它快捷的工具向他收到该项指示的当事人发出通知。
托收指示
第一条
托收指示
Collection Instruction
g. i.凭以取得付款和/或承兑的条件和条款；ii. 凭以交付单据的条件:①付款和/或承兑；②其他条件和条款。缮制托收指示的有关方应有责任清楚无误地说明，确保单据交付的条件，否则的话，银行对此所产生的任何后果将不承担责任；
h. 待收取的手续费指明是否可以放弃； i. 待收取的利息，如有的话，指明是否可以放弃，包括利率、计息期、适用的计算期基数（如一年按360天还是365天）； j. 付款方法和付款通知的形式； k. 发生不付款、不承兑和/或与其他批示不相符时的指示。
托收指示是寄送托收单据的面函（Covering Letter），是由托收行根据托收申请书缮制的、授权代收行处理单据的完全和准确的条款。
托收指示
第四条 a.所有送往托收的单据必须附有一项托收指示，注明该项
托收将遵循《托收统一规则》第522号文件并且列出完整和明确的指示。银行只准允根据该托收指示中的命令和本规则行事。
刘一展urc522的适用和托收指示托收统一规则托收统一规则urc522托收统一规则uniformrulescollections托收统一规则其他条款托收统一规则01urc522的适用02托收的定义03托收的当事人第一条urc522的适用1国际商会第522号出版物托收统一规则1995年修订本将适用亍第二条所限定的并在第四条托收指示中列明适用该项规则的所有托收项目

托收统一规则

托收统一规则(1978年国际商会修订)★总则和定义：A．本总则、定义以及下列条文适用于下面(B)所限定的一切托收。

除非另有明示同意，或除非与一国、一州或地方所不得违反的法律条例的规定相抵触，它们对所有当事人都具有约束力。

B．就本规则、定义和条文而言：1． I． "托收"是指银行根据所收到的指示来处理下面( II)项所限定的单据，为了：a．取得承兑，和(或)视情况予以付款，或者b．在承兑后，和(或)视情况在付款后交付商业单据，或者c．按照其他条件交付单据。

II． "单据"是指资金单据和(或)商业单据：a． "资金单据"是指汇票、期票、支票、付款收据或其他用于取得付款的类似凭证；b ． "商业单据"是发票、装运单据、所有权单据或其他类似的单据，或者一切不属于资金单据的其他单据。

III． "光票托收"是指资金单据的托收，不附有商业单据。

Ⅳ． "跟单托收"是指：a．资金单据的托收，附有商业单据；b．商业单据的托收，不附有资金单据。

2． "有关当事人"是指：I． "委托人" ，是指委托银行，办理托收业务的客户；II． "委托行" ，是指受委托人的委托，办理托收业务的银行；III． "代收?是指除委托行以外，参与办理托收指示的任何银行；Ⅳ． "提示行"是指向付款人作出指示的代收行。

3． "受票人" ，就是根据托收指示书，向其作出提示的人。

c．送交托收的一切单据，必须附有一份完整的明确的托收指示书。

银行只被允许按照托收指示书中的规定和根据本规则行事。

如出于某种原因，某一银行不能执行它所收到的托收指示书的规定时，必须立即通知发出托收指示书的一方。

★义务和责任第一条银行应以善意和合理的谨慎行事。

URC522《托收统一规则》(中英文)

URC522《托收统一规则》(中英文)(ICC Uniform Rules for Collections ICC Publication No. 522 ) ICC Uniform Rules for Collections ICC Publication No. 5221995 Revision in force as of January 1, 1996 CONTENTA. General Provisions and Definitions Application of URC 522 Definition of Collection Parties to a CollectionB. Form and Structure of CollectionsC. Form of Presentation PresentationSight/AcceptanceRelease of Commercial DocumentsDocuments Against Acceptance (D/A) vs Documents Against Payment (D/P) Creation of DocumentsD. Liabilities and Responsibilities Good Faith and Reasonable CareDocuments vs. Goods/Services/Performances Disclaimer for Acts of an Instructed Party Disclaimer on Documents ReceivedDisclaimer on Effectiveness of DocumentsDisclaimer on Delays, Loss in Transit and Translation Force Majeure E. PaymentPayment Without Delay Payment in Local Currency Payment in Foreign Currency Partial PaymentF. Interest, Charges and Expenses InterestCharges and Expenses G. Other Provisions AcceptancePromissory Notes and other Instructions ProtestCase-of-Need AdvicesA. General Provisions and Definitions总则和定义 Article 1Application of URC 522第一款：《托收统一规则》第522号的应用。