国际结算 第三章

Remitter Cable and Telex need at least more than 2 days to process
Payee
2T/T Rept.
In the SWIFT transfer, if you send
money in the morning, it would
enter payee’s a/c in the afternoon
1Apply and buy foreign exchanges & pay commission
With test key
6Pay
4T/T adv. 5Rept.
Remitting Bank
3PO + BT instruction by T/T
7Debit or credit Advice
Paying Bank
• Telegraphic Transfer (T/T , SWIFT ,etc.), fast and expensive
• Mail Transfer (M/T), slow and cheap
• Demand Draft (D/D), slow and easy to be negotiated.
• Remittance 汇款/顺汇 reverse remittance 逆汇 • Mail transfer （M/T）信汇 airmail 航空邮件 • Telegraphic transfer（T/T） 电汇 • Demand draft （D/D）票汇 • Commission 佣金 • Receipt 收据 • Be sold up 售定 consignment寄售 • Cover reimbursement 头寸偿付
7Debit or credit Advice
Paying Bank
APPLICATION FOR OUTWARD REMITTANCE
Байду номын сангаас□ T/T
□M/T
□D/D
AMOUNT IN WORDS
AMOUNT
BENEFICIARY NAME BENIFICARY’S BANK ACCOUNT NUMBERS BENEFICIARY ADDRESS
REMITTER’S NAME ADDRESS
MESSAGE
TEL
□IN PAYMENT OF THE ABOVE REMITTANCE □PLEASE DEBIT MY/OUR ACCOUNT WITH
YOUA/C NO. □I/WE SEND YOU CASH/CHEQUE
……………………………………… □APPLICANT’S SIGNATURE
2M/T Rept.
1Apply and buy foreign exchanges & pay commission
With authorized signature
4M/T adv.5Rept. 6Pay
Remitting Bank
3PO + BT instruction by air mail
– usually locates in the same city as that of the exporter and is often the exporter’s bank in international trade.
• 汇入行是被汇出行委托，支付一定金额给受益人 的那间银行。
Based on the manner by which the payment instruction is transmitted by the banks, remittance can be classified into three types as following:
电报/电传汇款例子
发电行：亚洲银行天津分行 收电行：汇丰银行香港分行
日期：3月1日 密押1253 我行汇款编号208TT0517，我行不承担解付行的 任何费用。请将USD20000付给贵行HAY WAY BUILDING 分行，58大街，STANLEY香港，起息日是3月1日，贷记到账 号004-110-106028-001，收款人是香港精密照相设备公司。 附言：第O.P10158号合同的付款，汇款人天津照相公司， 作为偿付，请借记我总行账户。 密押=密码，由4位或5位数组成，分别代表汇出行、汇入行、 货币代码、金额、日期等。
• Remitting bank （汇出行）
– The bank who remits the funds at the request of a remitter to the paying bank and instructs the latter to pay a certain of money to a beneficiary.
• Payee or beneficiary（收款人或受益人）
– the person who is addressed to receive the funds by remittance.
– the exporter in international trade.
Parties to a remittance
Flow chart of Bank Demand Draft (D/D)
Payer
3Forward D/D
1st copy of D/D in a set
Remitter PO= Payment Order with payee’s name and address, etc.
Beneficiary
BT= Bank Transfer, how to tranfer money from remitting bank to payment bank.
Parties to a remittance
• Remitter or payer（汇款人）
– The party who will make the payment. – Person who requires his bank to remit funds to the
beneficiary in a foreign country. – buyer and importer
FOR BANK USE ONLY.
BANK REF.
COMMISSION
POSTAGE/CABLE
银行盖章
主管
复核
核印
经办
中国银行广州分行
BANK OF CHINA， GUANGZHOU BRANCH
下列付款，请即照解，如有费用请内扣 我已贷记你行帐户。
Please advise and effect the following payment less your charges if any. In cover,we have CREDIT you’re A/C with us
• At the request of the customer, a bank transfers a certain sum of money to its overseas branches or correspondent banks and instructs them to pay a named person or corporation in that country.
Debtor’s Bank
Credit instrument Funds
Creditor’s Bank
Reverse Remittance 逆汇
逆汇（Reverse Remittance)又称为出票法，是由债权人以开 立汇票的方式，委托银行向国外债务人索取一定金额的结算 方式。其特点是结算工具传递与资金运动方向相反。逆汇在 国际结算中是托收方式和信用证方式。
– Importer’s bank
• 汇出行是应汇款人的要求将资金转移给他国外的代 理行或分行并要求后者支付资金给受益人的那间银 行
Parties to a remittance
• Paying bank （汇入行）
– the bank entrusted（受委托） to by the remitting bank to pay a certain sum of money to a beneficiary.
逆汇
Remittance 顺汇
顺汇（Remittance)称汇付法，是由付款人（债务人）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（收款人）的结算方法。特点是结算工具传递与资 金运动方向一致，故称之为顺汇。
Debtor/Buyer 付款人
Sale contract
Creditor/Seller 收款人
作为一种完善的结算方式必须具备的三个条件：
须能保证比较安全、比较快捷地结清对外贸易中的 债权债务。
须能保证买卖双方的利益都能获得充分照顾。大家 知道，在支付贸易货款这个问题上，买卖双方的利 益是相互矛盾的。概括地说，前者希望受到货物后 再付款；后者则希望在发货前先受到货款。凡是双 方都愿意采用的结算方式必须是那种不偏袒买卖双 方中任一方，全面照顾双方利益的那种结算方式。
应便于资金融通。也就是说，应该能够使买卖双方 （也包括中间商）容易从国际和国内金融市场和商 业银行筹措其所需资金。
Cash settlement • 1.according to payment tools
Non-cash settlement Commercial credit • 2.according to credit standing Bank credit • 3.according to the direction of Remittance顺汇 the movement of the instrument in relation to that of the funds flow Reverse remittance