国际结算方式 汇款.ppt
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It is therefore faster, but more expensive than the mail transfer. It is often used when the remittance amount is large and the transfer of funds is subject to a time limit. The only means of authenticating a cable transfer is the test key密押. However, remittance by SWIFT should be authenticated by SWIFT authentic key.
In broad sense--the international settlement
In narrow sense--international bank remittance
Types:
Remittance顺汇
Reverse remittance逆汇
payer
资金 Bank A
contract 结算工具
10
3.3.1 Remittance by airmail (M/T)
Remittance by airmail (mail transfer i.e. M/T). A mail transfer is to transfer funds by means of payment order (支付委托书) or a mail advice (信汇委托书) issued by a remitting bank, at the request of the remitter.
信汇汇款是汇出行应汇款人申请将信汇委托书或支付委 托书邮寄给汇入行，授权其解付一定金额给收款人的 一种汇款方式。
信汇的费用比电汇低廉，但因支付凭证邮寄时间较长而 使收款较慢，故采用者较少。
11
A simplified remittance diagram
Remitter
Biblioteka Baidu
Payee
1. Signed Written Application Of M/T 信汇申请
A remitter should first submit a remittance application, which, upon acceptance by the remitting bank, evidences a contract between the remitter and the remitting bank.
A remitting bank is the importer’s bank. The remitting bank must do as instructed in the
application until the whole remittance is finished.
Outward Remittance 汇出汇款
汇款是一种顺汇方式，是银行(汇出行)应汇款人(债务人)的要 求，以一定的方式将一定的金额，通过其国外联行或代理行 作为付款银行(汇入行)，付款给收款人(债权人)的一种结算 方式。
4
Based on commercial credit
Exporter /seller
Advance payment预付
The remitting bank sends the Payment order to the paying bank by cable, telex, or SWIFT, authorizing the paying bank to make payment to the payee.
电汇汇款是汇款人委托银行以电报(cable) 、电传(telex) 、 环球同业银行金融电讯协会(SWIFT)方式，指示出口地某 一银行（其分行或代理行）作为汇入行，解付一定金额给 收款人的付款方式。
电汇是一种最快捷最安全的付款方式。它在收取汇费时， 还要加收电报费，故费用是这三种方式中最高的，通常用 于紧急款项或大额款项的支付、资金调拨各种支付指示等。
14
T/T diagram
remitter
1. Signed Written Application Of T/T 电汇申请书
2. Remittance
payee
payer
资金
Bank B
Bank A
contract 结算工具
payee Bank B
2
Remittance (顺汇)：也称汇付法，是由债务人 或付款人主动将款项交给银行，委托银行使用 某种结算工具，交付一定金额给债权人或收款 人的结算方法。结算工具的传递与资金的运动 方向一致。
Reverse remittance (逆汇)：又称出票法，是 由债权人以开出汇票的方式，委托银行向国外 债务人索取一定金额的结算方式。结算工具传 递方向与资金运动方向相反。
6
3.2.2 Payee or beneficiary 收款人/受益人 A person who is addressed to receive the
remittance is named the Payee or beneficiary, exporter.
7
3.2.3 Remitting bank 汇出行 A remitting bank is the bank 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 beneficiary.
2. Remittance
receipt 信汇回执
4.
Receipt 收款人收据
5. Payment
Remitting bank
3. Payment order by airmail 邮寄支付委托书
6. Debit advice借记通知书
Paying bank
12
3.3.2 Remittance by cable/telex/SWIFT
Inward Remittance 汇入汇款
9
3.3 ways of transfer
There are three basic ways for a bank to transfer funds for its client from home country to abroad. They are remittance by airmail (信汇), remittance by cable (电汇), and remittance by demand draft (票汇).
8
3.2.4 Paying bank 汇入行/解付行 A paying bank is the bank entrusted to by the remitting
bank to pay a certain amount of money to a beneficiary named in the remittance advice. The paying bank must do in strict compliance with the payment order sent by the remitting bank. It should authenticate the relevant signature or test key to ensure it genuineness. Usually, the paying bank will not effect payment to the payee until its receipt of the funds from the remitting bank.
receipt 电汇回执
payee
4.
Receipt 收款人收据
5. payment
remitting bank
3.cable/telegraphic/SWIFT
加押电报、电传、SWIFT Paying bank
6.Debit advice
15
(8)
remitter
(1)
(2)
(3)
Remitting
Chapter 3
Remittance
汇款
1
International exchange国际汇兑
International exchange国际汇兑refers to operational activities related with the currency conversion货币兑换 and transfer of funds between countries in order to settle the claims and debts by payment instruments through banks.
bank
(7)
payee
(4) (5) (6)
Paying bank
(1)Remittance application with funds and commission; (2)receipt (3)sends P.O. /telex/SWIFT instructing paying bank to make payment (4)after authenticating, notifies the payee (5)upon receipt, the payee provides the paying bank a receipt (6)the paying bank debited the remitting bank’s a/c and make payment (7)sends the debit advice and payment receipt from payee to the remitting bank (8)the debt is discharged
A payment order, mail advice or debit advice is an authenticated order in writing addressed by one bank to another instructing the latter to pay a sum certain in money to a specified person or a beneficiary named thereon.
3
3.1 definition
Remittance refers to the transfer of funds from one party to another among different countries. That is, a bank (the remitting bank), at the request of its customer (the remitter), transfers a certain sum of money to its overseas branch or correspondent bank (the paying bank), instructing them to pay to a named person or corporation (the payee or beneficiary) domiciled in that country.
1payment 2Ship goods
Open account赊账
Importer /buyer
Exporter /seller
2payment 1Ship goods
Importer /buyer
5
3.2 Parties related to a remittance
3.2.1 Remitter 汇款人 A remitter is the person who request his bank to remit funds to a beneficiary in a foreign country. He is also called the payer, importer.
It is therefore faster, but more expensive than the mail transfer. It is often used when the remittance amount is large and the transfer of funds is subject to a time limit. The only means of authenticating a cable transfer is the test key密押. However, remittance by SWIFT should be authenticated by SWIFT authentic key.
In broad sense--the international settlement
In narrow sense--international bank remittance
Types:
Remittance顺汇
Reverse remittance逆汇
payer
资金 Bank A
contract 结算工具
10
3.3.1 Remittance by airmail (M/T)
Remittance by airmail (mail transfer i.e. M/T). A mail transfer is to transfer funds by means of payment order (支付委托书) or a mail advice (信汇委托书) issued by a remitting bank, at the request of the remitter.
信汇汇款是汇出行应汇款人申请将信汇委托书或支付委 托书邮寄给汇入行，授权其解付一定金额给收款人的 一种汇款方式。
信汇的费用比电汇低廉，但因支付凭证邮寄时间较长而 使收款较慢，故采用者较少。
11
A simplified remittance diagram
Remitter
Biblioteka Baidu
Payee
1. Signed Written Application Of M/T 信汇申请
A remitter should first submit a remittance application, which, upon acceptance by the remitting bank, evidences a contract between the remitter and the remitting bank.
A remitting bank is the importer’s bank. The remitting bank must do as instructed in the
application until the whole remittance is finished.
Outward Remittance 汇出汇款
汇款是一种顺汇方式，是银行(汇出行)应汇款人(债务人)的要 求，以一定的方式将一定的金额，通过其国外联行或代理行 作为付款银行(汇入行)，付款给收款人(债权人)的一种结算 方式。
4
Based on commercial credit
Exporter /seller
Advance payment预付
The remitting bank sends the Payment order to the paying bank by cable, telex, or SWIFT, authorizing the paying bank to make payment to the payee.
电汇汇款是汇款人委托银行以电报(cable) 、电传(telex) 、 环球同业银行金融电讯协会(SWIFT)方式，指示出口地某 一银行（其分行或代理行）作为汇入行，解付一定金额给 收款人的付款方式。
电汇是一种最快捷最安全的付款方式。它在收取汇费时， 还要加收电报费，故费用是这三种方式中最高的，通常用 于紧急款项或大额款项的支付、资金调拨各种支付指示等。
14
T/T diagram
remitter
1. Signed Written Application Of T/T 电汇申请书
2. Remittance
payee
payer
资金
Bank B
Bank A
contract 结算工具
payee Bank B
2
Remittance (顺汇)：也称汇付法，是由债务人 或付款人主动将款项交给银行，委托银行使用 某种结算工具，交付一定金额给债权人或收款 人的结算方法。结算工具的传递与资金的运动 方向一致。
Reverse remittance (逆汇)：又称出票法，是 由债权人以开出汇票的方式，委托银行向国外 债务人索取一定金额的结算方式。结算工具传 递方向与资金运动方向相反。
6
3.2.2 Payee or beneficiary 收款人/受益人 A person who is addressed to receive the
remittance is named the Payee or beneficiary, exporter.
7
3.2.3 Remitting bank 汇出行 A remitting bank is the bank 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 beneficiary.
2. Remittance
receipt 信汇回执
4.
Receipt 收款人收据
5. Payment
Remitting bank
3. Payment order by airmail 邮寄支付委托书
6. Debit advice借记通知书
Paying bank
12
3.3.2 Remittance by cable/telex/SWIFT
Inward Remittance 汇入汇款
9
3.3 ways of transfer
There are three basic ways for a bank to transfer funds for its client from home country to abroad. They are remittance by airmail (信汇), remittance by cable (电汇), and remittance by demand draft (票汇).
8
3.2.4 Paying bank 汇入行/解付行 A paying bank is the bank entrusted to by the remitting
bank to pay a certain amount of money to a beneficiary named in the remittance advice. The paying bank must do in strict compliance with the payment order sent by the remitting bank. It should authenticate the relevant signature or test key to ensure it genuineness. Usually, the paying bank will not effect payment to the payee until its receipt of the funds from the remitting bank.
receipt 电汇回执
payee
4.
Receipt 收款人收据
5. payment
remitting bank
3.cable/telegraphic/SWIFT
加押电报、电传、SWIFT Paying bank
6.Debit advice
15
(8)
remitter
(1)
(2)
(3)
Remitting
Chapter 3
Remittance
汇款
1
International exchange国际汇兑
International exchange国际汇兑refers to operational activities related with the currency conversion货币兑换 and transfer of funds between countries in order to settle the claims and debts by payment instruments through banks.
bank
(7)
payee
(4) (5) (6)
Paying bank
(1)Remittance application with funds and commission; (2)receipt (3)sends P.O. /telex/SWIFT instructing paying bank to make payment (4)after authenticating, notifies the payee (5)upon receipt, the payee provides the paying bank a receipt (6)the paying bank debited the remitting bank’s a/c and make payment (7)sends the debit advice and payment receipt from payee to the remitting bank (8)the debt is discharged
A payment order, mail advice or debit advice is an authenticated order in writing addressed by one bank to another instructing the latter to pay a sum certain in money to a specified person or a beneficiary named thereon.
3
3.1 definition
Remittance refers to the transfer of funds from one party to another among different countries. That is, a bank (the remitting bank), at the request of its customer (the remitter), transfers a certain sum of money to its overseas branch or correspondent bank (the paying bank), instructing them to pay to a named person or corporation (the payee or beneficiary) domiciled in that country.
1payment 2Ship goods
Open account赊账
Importer /buyer
Exporter /seller
2payment 1Ship goods
Importer /buyer
5
3.2 Parties related to a remittance
3.2.1 Remitter 汇款人 A remitter is the person who request his bank to remit funds to a beneficiary in a foreign country. He is also called the payer, importer.