9/25/20241FourInternationalBankRemittance汇款结算方式Inthischapter,youwilllearnRemittanceandreverseremittanceMethods,partiesandproceduresofremittanceAdvantagesanddisadvantagesofremittancePracticeofremittance(reimbursement)Thefunctionofremittanceininternationaltrade9/25/20242FourInternationalBankRemittance汇款结算方式Theremittanceisthatthefundsflowinafavorabledirectiontothepaymentinstructionstransmittedtherefrom.Thereverseremittanceisthatthefundsflowinacontrarydirectiontothepaymentinstructionstransmittedtherefrom.Remittanceandreverseremittance逆汇逆汇顺汇顺汇资金流向与支付资金流向与支付指示方向一致。指示方向一致。资金流向与支付资金流向与支付指示方向相反。指示方向相反。9/25/20243FourInternationalBankRemittance汇款结算方式Funds flowFunds flowPayment Payment instructioninstructionPayerPayerImporters Importers BankBankExportersExportersBankBankBeneficiaryBeneficiaryRemittanceRemittanceRemittance9/25/20244FourInternationalBankRemittance汇款结算方式Funds flowFunds flowPayment Payment instructioninstructionPayerPayerImporters Importers BankBankExportersExportersBankBankBeneficiaryBeneficiaryReverseremittanceCollectionCollectionLetter of creditLetter of credit9/25/20245FourInternationalBankRemittance汇款结算方式9/25/20246FourInternationalBankRemittance汇款结算方式4.1GeneralDescription4.1.1DefinitionofainternationalbankremittanceAclient(payer)askshisbank(remittingbank),byoneofthetransfermethodsathisoptiontosendasumofmoneytoitsbranchorcorrespondentoraccountingbank(payingbank)inanothercountryandinstructingthelattertopayacertainamountofmoneytoabeneficiary.9/25/20247FourInternationalBankRemittance汇款结算方式汇款方式的定义汇款方式的定义银行银行接受接受客户客户的委托，使用一定的的委托，使用一定的结算工具结算工具，通过其在通过其在海外的分支机构或代理行海外的分支机构或代理行，把款项付给，把款项付给国外收款人国外收款人的一种结算方式。的一种结算方式。分类标准分类标准收款人收款人汇出行汇出行汇入行汇入行汇款人汇款人9/25/20248FourInternationalBankRemittance汇款结算方式4.1.2PartiesconcernedRemitterRemittingBankPayingBankPayeeRequestshisbanktoremitfundstoabeneficiaryinaforeigncurrency.Transferringfundsattherequestofaremittertoitscorrespondentoritsbranchinanothercountryandinstructingthelattertopayacertainamountofmoneytoabeneficiary.Entrustedbytheremittingbanktopayacertainamountofmoneytoabeneficiary.Whoisaddressedtoreceivetheremittance.9/25/20249FourInternationalBankRemittance汇款结算方式、汇款人、汇款人(Remitter)(Remitter) 、汇出行、汇出行(Remitting Bank)(Remitting Bank) 、汇入行汇入行(Paying Bank)(Paying Bank)、收款人、收款人(Payee/Beneficiary)(Payee/Beneficiary)接受汇款的人。接受汇款的人。向银行交出款项，申请汇出向银行交出款项，申请汇出汇款的人。汇款的人。接受汇款人的委托，办接受汇款人的委托，办理汇出汇款业务的银行。理汇出汇款业务的银行。汇款方式的当事人汇款方式的当事人接受汇出行的委托，解付汇款接受汇出行的委托，解付汇款给收款人的银行，即办理汇入给收款人的银行，即办理汇入汇款的银行。汇款的银行。9/25/202410FourInternationalBankRemittance汇款结算方式汇款人汇款人汇出行汇出行汇入行汇入行汇款当事人之间的关系汇款当事人之间的关系汇款申请书汇款申请书汇款电文汇款电文支付书支付书票据票据委委托托业业务务客户、客户、账户行账户行海外分行、海外分行、代理行、代理行、账户行账户行9/25/202411FourInternationalBankRemittance汇款结算方式4.1.3Methodsandprocedures1.TelegraphicTransfer(T/T)电汇电汇Remittingbanktransmittedinstructionstopayingbankbycable/telex/SWIFT.9/25/202412FourInternationalBankRemittance汇款结算方式Diagram Diagram 3.Cable/telex/SWIFT7.Debitadvice1.T/Tapplication2.T/Treceipt4.Notifythebeneficiary6.Funds5.Signedforpayment9/25/202413FourInternationalBankRemittance汇款结算方式电汇流程电汇流程电电汇汇申申请请书书交交款款付付费费电电汇汇回回执执加押电报或电传加押电报或电传借记通知书借记通知书电电汇汇通通知知书书收收款款人人收收据据解解付付9/25/202414FourInternationalBankRemittance汇款结算方式2.MailTransfer(M/T)信汇信汇Remittingbanktransmittedinstructionstopayingbankbyairmailofapaymentorderormailadvice.支付委托书支付委托书/信汇委托书信汇委托书9/25/202415FourInternationalBankRemittance汇款结算方式Diagram Diagram 3.Paymentorderairmailadvice7.Debitadvice1.M/Tapplication2.M/Treceipt4.Notifythebeneficiary6.Funds5.Signedforpayment9/25/202416FourInternationalBankRemittance汇款结算方式信汇流程信汇流程信信汇汇申申请请书书交交款款付付费费信信汇汇回回执执信汇委托书或支付委托书信汇委托书或支付委托书借记通知书借记通知书信信汇汇通通知知书书收收款款人人收收据据解解付付信信汇汇信汇信汇信信汇汇邮邮寄寄9/25/202417FourInternationalBankRemittance汇款结算方式3.Remittancebybankersdemanddraft(D/D)票汇票汇Remittingbankdrawabankersdraftonpayingbankorderingthelattertopayondemandthestatedamounttotheholderofthedraft.银行即期汇票银行即期汇票9/25/202418FourInternationalBankRemittance汇款结算方式Diagram Diagram 7.Debitadvice1.D/Dapplication2.Bankersdemanddraft5.Presentthedraftforpayment6.Funds3.Bankersdemanddraft4.AdviceofBankersdemanddraft9/25/202419FourInternationalBankRemittance汇款结算方式T/TM/T=T/T-银行占用客户资金的利息银行占用客户资金的利息D/D=T/T-银行占用客户资金的利息银行占用客户资金的利息远期汇票远期汇票费率费率:收费收费电汇电汇:0.1%,每笔最低收每笔最低收50元人民币元人民币,最高最高收收1000元人民币元人民币信汇信汇,票汇票汇:0.1%,每笔最低收每笔最低收100元人民元人民币币,最高收最高收1000元人民币元人民币9/25/202420FourInternationalBankRemittance汇款结算方式票汇流程票汇流程票票汇汇申申请请书书交交款款付付费费银银行行即即期期汇汇票票票汇通知书（票根）票汇通知书（票根）付讫借记通知书付讫借记通知书提提示示汇汇票票并并背背书书解解付付银行即期汇票银行即期汇票票票汇汇票汇票汇汇票的汇票的提示提示9/25/202421FourInternationalBankRemittance汇款结算方式4.1.4Advantagesanddisadvantages1.AdvantagesD/D:Demanddraftisanegotiableinstrument,whichcanbetransferredfromonepersontoanotherbyendorsement,sothatitismoreconvenientinuseforpayment.流通票据可背书转让流通票据可背书转让M/T:Bank-to-bankinstructionswithbanksresponsibleformakingpayments,soitisratherreliable;收款可靠收款可靠T/T:Fastestwaytotransferfunds;Bank-to-bankinstructionswithbanksresponsibleformakingpayments,soitisquitesafe,especiallywhenlargeamountistransferred.速度最快，适用于较大金额的汇款速度最快，适用于较大金额的汇款9/25/202422FourInternationalBankRemittance汇款结算方式4.1.4Advantagesanddisadvantages2.DisadvantagesD/D:Remitterhimselfisresponsibleformailingthedemanddraft,itstransmissionisslowerthanthatofT/Tandcannotservethepurposeofquickpayment;速度慢速度慢Itispossibleforademanddrafttobelost,stolenordestroyed;即期汇票被遗失、被窃或遭毁坏即期汇票被遗失、被窃或遭毁坏Theremittingbankisreluctanttostoppaymentonadraftissuedbyitselfforthiswouldmeananactofdishonoronitspartwhichwillhaveanunfavorableeffectonitscredit-worthiness.止付汇票将影响银行的信誉止付汇票将影响银行的信誉Tostoppaymentonlostdraftistimeconsuming.旷日持久旷日持久9/25/202423FourInternationalBankRemittance汇款结算方式2.DisadvantagesM/T:Mailtransferordertobedelayedorlostinthepost,thuscausingdifficultyforitspayment;信汇委托书在邮寄过程中遭延误、遗失信汇委托书在邮寄过程中遭延误、遗失ItstransmissionisslowerthanthatofT/Tandcannotservethepurposeofquickpayment;收款速度慢收款速度慢Thebeneficiarymustawaitnotificationfromthebankconcerned.客户必须等待银行通知收款客户必须等待银行通知收款9/25/202424FourInternationalBankRemittance汇款结算方式2.DisadvantagesT/T:ItismoreexpensiveascomparedwithM/TorD/D,butiftheamounttransferredislarge,theinterestcostwhichshouldbeotherwiseincurredduetotimedelaycanbesaved;汇费最贵；但若延迟收款，银行将承担迟付的利息汇费最贵；但若延迟收款，银行将承担迟付的利息Thebeneficiarymustawaitnotificationfromthebankconcerned.客户必须等待银行通知收款客户必须等待银行通知收款9/25/202425FourInternationalBankRemittance汇款结算方式 比比较较种类种类advantagesdisadvantagesT/T安全，收款速度快。安全，收款速度快。电汇汇率最贵；电汇汇率最贵；客户收款必须等待银行通客户收款必须等待银行通知。知。M/T收款有保障。收款有保障。信汇委托书在邮寄过程中信汇委托书在邮寄过程中可能延误、遗失；可能延误、遗失；收款速度慢；收款速度慢；D/D收款方式较灵活，客收款方式较灵活，客户可将银行即期汇票户可将银行即期汇票背书后转让给他人。背书后转让给他人。银行即期汇票在邮寄过程银行即期汇票在邮寄过程中可能延误、遗失；中可能延误、遗失；收款速度慢；收款速度慢；9/25/202426FourInternationalBankRemittance汇款结算方式SummaryM/Tusuallymadebyindividualsforfamilymaintenance,cashgift,etc.生活费，礼物生活费，礼物T/Tisfavorabletotheseller,whocanspeeduptheturnoveroffunds,increasetheincomeofinterestsandavoidtheriskoffluctuationintheexchangerate.加快资金周转，避免汇率风险加快资金周转，避免汇率风险However,thesellershouldpreventthebuyerfromforcingthecontractualpricedownunderthepretextofbearingmoreexpenses.进口商借口支付过多的汇费而压低合同价格进口商借口支付过多的汇费而压低合同价格9/25/202427FourInternationalBankRemittance汇款结算方式SWIFTcanprovidesthememberbankswithfaster,safer,cheaper,andmorereliablehandlingoftheircustomersstransactions.,Swiftness,reliability,safety,andinexpensivenessaremajoradvantagesoftransactionsbymeansofSWIFTmessages.9/25/202428FourInternationalBankRemittance汇款结算方式4.2PracticeofRemittanceInwardremittance汇入汇款汇入汇款Outwardremittance汇出汇款汇出汇款Theremittanceswhicharehandledbytheremittingbank.Theremittancewhichthosearehandledbypayingbank.9/25/202429FourInternationalBankRemittance汇款结算方式4.2PracticeofRemittance4.2.1RemittingbanksprocedureTheremittingbank,attheremittersrequest,sendsM/Tadviceorpaymentorder(inM/T),oratelegramoratelexwithtestkeyenclosed(inT/T)tothepayingbankasapaymentauthorization,directingittoofferthefundtothepayeeonbehalfoftheremitter.RemittersApplicationSWIFT/telex/cable/airmail/bankersdemanddraftWithauthorizedsignature9/25/202430FourInternationalBankRemittance汇款结算方式汇汇出出行行的的处处理理1.1.审核汇款审核汇款申请书申请书2.2.审核外汇管理审核外汇管理规定中的文件规定中的文件3.3.收取汇款收取汇款 4.4.计收汇费和邮电费计收汇费和邮电费 汇款方式：电汇汇款方式：电汇(T/T)(T/T)、信汇、信汇(M/T)(M/T)、票汇、票汇(D/D) (D/D) 汇出货币及金额大小写汇出货币及金额大小写收款人全称和详细地址收款人全称和详细地址收款人银行（汇入行）及收款人账号收款人银行（汇入行）及收款人账号附言：进口合同号码、款项用途附言：进口合同号码、款项用途国外银行费用由何方负担、授权银行借记汇款人账户国外银行费用由何方负担、授权银行借记汇款人账户国际收支申报表国际收支申报表 贸易进口付汇核销单贸易进口付汇核销单 进口付汇备案表进口付汇备案表 汇款有效凭证汇款有效凭证正本合同正本合同 发票发票进口进口/ /出口货物报关单出口货物报关单运输单据、保险单据运输单据、保险单据外汇现汇外汇现汇外汇现钞外汇现钞支票支票9/25/202431FourInternationalBankRemittance汇款结算方式汇款申请书汇款申请书9/25/202432FourInternationalBankRemittance汇款结算方式Remittingbankexaminetheapplicationofremittance1.正确填列收款人全称、账号（必须注明收款人开户银行的交换行正确填列收款人全称、账号（必须注明收款人开户银行的交换行号）及开户银行英文名全称。号）及开户银行英文名全称。 2.如企业在境外账户行办理汇款时，则应该在汇款申请书中的收如企业在境外账户行办理汇款时，则应该在汇款申请书中的收款人银行的代理行（款人银行的代理行（INTERMEDIARY INSTINTERMEDIARY INST）一栏填写开户银行的相）一栏填写开户银行的相对应境外账户行名称。开户银行账户行资料可向开户银行查询。对应境外账户行名称。开户银行账户行资料可向开户银行查询。 3.收款人银行名称要准确，最好要有收款人银行名称要准确，最好要有银行银行SWIFT号码号码4.收款人名称为开户银行名称。收款人名称为开户银行名称。 5.收款人账号：收款人账号：A/C NOA/C NO：XXXX XXXX ，（填写开户银行在境外账户行的，（填写开户银行在境外账户行的相对应的币种的有关账号）。相对应的币种的有关账号）。 6.备注或附言中应注明实际的收款单位名称和账号（收款人单位备注或附言中应注明实际的收款单位名称和账号（收款人单位账号组成必须是行号账号组成必须是行号+ +收款人账号，收款人账号，A/C NOA/C NO：XXX-XXXXXXXXXX-XXXXXXX）。）。 9/25/202433FourInternationalBankRemittance汇款结算方式 中国建设银行汇出汇款申请书中国建设银行汇出汇款申请书 CHINA CONSTRUCTION BANK CHINA CONSTRUCTION BANK APPLICATION FOR REMITTANCE APPLICATION FOR REMITTANCE 年年 月月 日日 （建设银行盖章）（建设银行盖章） 电汇电汇T/T T/T 信汇信汇M/T M/T 票汇票汇 D/D D/D汇款人附言：汇款人附言：REMARKS REMARKS 汇款人名称、地址或账号汇款人名称、地址或账号NAME OF REMITTERNAME OF REMITTER收款人地址、账号收款人地址、账号ADDRESS OF BENEFICIARYADDRESS OF BENEFICIARY收款人收款人NAME OF BENEFICIARYNAME OF BENEFICIARY汇出金额汇出金额AMOUNTAMOUNT货币货币兑换兑换汇款汇款用途用途X X9/25/202434FourInternationalBankRemittance汇款结算方式汇款指示汇款指示9/25/202435FourInternationalBankRemittance汇款结算方式FM:(汇出行汇出行)TO:(汇入行汇入行)DATE(发电日期发电日期)TEST(密押密押)OURREFNO.(汇款编号汇款编号)NOANYCHARGESFORUS(我行不负担费用我行不负担费用)PAY(AMT)VALUE(DATE)TO(付款金额、起息日）付款金额、起息日）BENEFICIARY（收款人）（收款人）MESSAGE（汇款附言）（汇款附言）ORDER（汇款人）（汇款人）COVER（头寸拨付）（头寸拨付）Telex/cable Telex/cable 9/25/202436FourInternationalBankRemittance汇款结算方式银行费用支付（收取）情况银行费用支付（收取）情况YOURYOUR CHARGES FOR CHARGES FOR BENEFICIARYBENEFICIARY. .汇入行汇入行收款人收款人9/25/202437FourInternationalBankRemittance汇款结算方式TO:TO:THE CHASE MANHATTAN BANK N.A.,NEW YORKTHE CHASE MANHATTAN BANK N.A.,NEW YORKFM:FM:BANK OF CHINA, BEIJINGBANK OF CHINA, BEIJINGDATE:DATE:3030THTH SEP.,96 SEP.,96TESTTEST XXXX OUR XXXX OUR REF REF TT109900/96 PAY TT109900/96 PAY USD200,000.USD200,000. VALUE 30 SEP.96 VALUE 30 SEP.96 TO BANQUE NATIONAL DE TUNISIE TO BANQUE NATIONAL DE TUNISIE TUNIS FOR CREDIT OF A/C NO.Y10-0127-033254 OF TUNIS FOR CREDIT OF A/C NO.Y10-0127-033254 OF CORPORATION INTERNATIONAL DES EAUX ET DE IEL CORPORATION INTERNATIONAL DES EAUX ET DE IEL ECTRICTE DE CHINAECTRICTE DE CHINA MESSAGE REMIT FOR CUSTOMS MESSAGE REMIT FOR CUSTOMS DUTY ETC DUTY ETC ORDERORDER INTERNATIONAL WATER AND ELECTRIC INTERNATIONAL WATER AND ELECTRIC CORP.BEIJINGCORP.BEIJING YOUR YOUR CHARGES FOR BENEFICIARYCHARGES FOR BENEFICIARY COVERCOVER DEBIT US DEBIT US 汇入行汇入行汇出行汇出行发报日发报日密押密押业务备查号业务备查号汇款汇款金额金额汇款人汇款人收款人支付收款人支付汇入行费用汇入行费用头寸划拨指示头寸划拨指示: :借记我行借记我行( (汇出行汇出行) )账户账户9/25/202438FourInternationalBankRemittance汇款结算方式TO TO BANQUE NATIONAL DE TUNISIE TUNISBANQUE NATIONAL DE TUNISIE TUNIS FOR FOR CREDIT OF CREDIT OF A/C NO.Y10-0127-033254 OFA/C NO.Y10-0127-033254 OF CORPORATION INTERNATIONAL DES EAUX ET DE CORPORATION INTERNATIONAL DES EAUX ET DE IEL ECTRICTE DE CHINAIEL ECTRICTE DE CHINA收款人的账户行收款人的账户行收款人账号收款人账号收款人名称收款人名称BANQUE NATIONAL DE TUNISIE TUNISBANQUE NATIONAL DE TUNISIE TUNISA/C NO.Y10-0127-033254A/C NO.Y10-0127-033254CORPORATION INTERNATIONAL DES EAUX ET DECORPORATION INTERNATIONAL DES EAUX ET DEIEL ECTRICTE DE CHINAIEL ECTRICTE DE CHINA9/25/202439FourInternationalBankRemittance汇款结算方式15Test key密押密押20Transaction reference number(TRN)业务备查号业务备查号32A Value date, currency code, amount起息日起息日,付款货币金付款货币金额额50Ordering customer汇款人汇款人52X Ordering bank汇出行汇出行53S Senders correspondent bank 汇出行之代理行汇出行之代理行54S Receivers correspondent bank汇入行之代理行汇入行之代理行57S Account with bank受益人之账户行受益人之账户行59Beneficiary customer受益人受益人70Details of payment汇款用途汇款用途71A Details of charges费用支付情况费用支付情况72Bank to bank information汇出行与汇入行间业务指示汇出行与汇入行间业务指示SWIFTSWIFT100100格式格式9/25/202440FourInternationalBankRemittance汇款结算方式MT100 CUSTOMER TRANSFERDate960930Sent to CHAS US 33 REMChase manhattan new york n.y:20/transaction reference number TT109900/96:32A/value date, currency code,amount 96093USD200,000.00:50/ordering customer CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING:57/account with bank BANQUE NATIONAL DE TUNISIE TUNIS:59/beneficiary customer /Y10-0127-033254 CORPORATION INTERNATIONAL DES EAUX ET DE IELECTRICTE DE CHINE:70/details of paymentREMIT FOR CUSTOMS DUTY ETC :71A/details of charges FOR BENEFICIARY:72/bank to bank informationCOVER DEBIT US9/25/202441FourInternationalBankRemittance汇款结算方式:20/transaction reference number TT109900/96:20/transaction reference number TT109900/96:32A/value date, currency code,amount:32A/value date, currency code,amount 96093USD200,000.00 96093USD200,000.00:50/ordering customer:50/ordering customer CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING CHINA INTERNATIONAL WATER AND ELECTRIC CORP BEIJING:57/account with bank :57/account with bank BANQUE NATIONAL DE TUNISIE TUNIS BANQUE NATIONAL DE TUNISIE TUNIS:59/beneficiary customer:59/beneficiary customer /Y10-0127-033254 /Y10-0127-033254 CORPORATION INTERNATIONAL DES EAUX ET DE IELECTRICTE CORPORATION INTERNATIONAL DES EAUX ET DE IELECTRICTE DE CHINEDE CHINE:70/details of payment:70/details of paymentREMIT FOR CUSTOMS DUTYREMIT FOR CUSTOMS DUTY:71A/details of charges:71A/details of charges FOR BENEFICIARY FOR BENEFICIARY:72/bank to bank information:72/bank to bank informationCOVER DEBIT USCOVER DEBIT US9/25/202442FourInternationalBankRemittance汇款结算方式 中国银行广州分行中国银行广州分行 BANK OF CHINA, GUANGZHOU BRANCH BANK OF CHINA, GUANGZHOU BRANCH下列汇款，请即照解。如有费用请下列汇款，请即照解。如有费用请 日期日期内扣。内扣。 Guangzhou Guangzhou我已贷记你行账户。我已贷记你行账户。Please advise and effect the following Please advise and effect the following Payment Payment less your chargesless your charges if any.In if any.InCover,we have CREDITED your A/CCover,we have CREDITED your A/Cwith US.with US.大写金额大写金额Amount in words:Amount in words:汇款人汇款人 附言附言By order of MessageBy order of Message 中国银行广州分行中国银行广州分行汇款人汇款人 For BANK OF CHINA, GUANGZHOU For BANK OF CHINA, GUANGZHOU BRANCHBRANCH此致此致ToTo金额金额Amount收款人收款人To be paid toNo. of Mail transfer信汇号码信汇号码Airmail Advice Airmail Advice 信汇委托书信汇委托书9/25/202443FourInternationalBankRemittance汇款结算方式 中国银行支付委托书中国银行支付委托书 BANK OF CHINA BANK OF CHINA PAYMENT ORDER PAYMENT ORDER GuangZhou GuangZhou致致To支付委托书支付委托书No. of payment order收款人收款人To be paid to金额金额Amount大写金额大写金额Amount in words:汇款人汇款人 附言附言By order of RemarksYou are authorized to debitOur account with you We have credited your A/C with us.Payment Order Payment Order 支付授权书支付授权书 9/25/202444FourInternationalBankRemittance汇款结算方式 BANK OF CHINA This draft is valid for one NO. year from the date of issue AMOUNTTO:PAY TO THE SUM OF PAY AGAINST THIS DRAFT TO THE DEBIT OF OUR ACCOUNT BANK OF CHINA,TIANJINNot NegotiableNot Negotiable Bankers Demand Draft Bankers Demand Draft 银行即期汇票银行即期汇票9/25/202445FourInternationalBankRemittance汇款结算方式票汇中的汇票票汇中的汇票出票人：出票人：收款人：收款人：付款人：付款人：汇出行汇出行出口商出口商汇入行汇入行付款期限：付款期限： 即期即期9/25/202446FourInternationalBankRemittance汇款结算方式4.2PracticeofRemittance4.2.2PayingbanksprocedureUndertelegraphictransfer,thepayingbank,havingreceivedthecableandverifiedthetestkey,willmakepaymenttothepayeeinaccordancewiththeinstruction,andwillgiveareplyofdebitadvicetotheremittingbankinlinewiththenostroaccountprocedurebetweenthetwocorrespondents.9/25/202447FourInternationalBankRemittance汇款结算方式汇汇入入行行的的处处理理1.1.核对汇款指示、汇票的真实性核对汇款指示、汇票的真实性2. 2. 审核汇款指示内容审核汇款指示内容3.3.检查汇款头寸，检查汇款头寸，坚持坚持“收妥头寸、解付汇款收妥头寸、解付汇款”的原则的原则 4. 4. 处理汇款的退汇与查询处理汇款的退汇与查询密押密押印鉴印鉴9/25/202448FourInternationalBankRemittance汇款结算方式汇款的退汇指在汇款解付之前，由汇款人或汇款的退汇指在汇款解付之前，由汇款人或收款人要求撤消该笔汇款的行为。收款人要求撤消该笔汇款的行为。 4.2PracticeofRemittance4.2.3Cancellationoftheremittance汇款的退汇汇款的退汇9/25/202449FourInternationalBankRemittance汇款结算方式汇汇款款人人汇汇出出行行汇款未解付汇款未解付汇款已解付汇款已解付汇汇 入入 行行收收款款人人5. 5. 与收款人直接交涉与收款人直接交涉1. 1. 退汇申请书退汇申请书2. 2. 退汇通知退汇通知3.3.退回头寸和退回头寸和委托书委托书/ /汇票汇票3.3.汇款收条汇款收条4.4.折成本币入账折成本币入账4.4.通知汇款已解付通知汇款已解付9/25/202450FourInternationalBankRemittance汇款结算方式、汇出行退汇手续、汇出行退汇手续 ）汇款人提出申请，详细说明退汇的理由，）汇款人提出申请，详细说明退汇的理由， 必要时提供保证；必要时提供保证； ）汇出行审查；）汇出行审查； ）向汇入行发出要求退回头寸的通知；）向汇入行发出要求退回头寸的通知； ）收到汇入行同意退汇的通知和头寸后，即）收到汇入行同意退汇的通知和头寸后，即 注销，同时将汇款按汇率折算成本币入帐。注销，同时将汇款按汇率折算成本币入帐。、汇入行退汇手续、汇入行退汇手续 ）核对退汇通知的印鉴，看汇款是否已付；）核对退汇通知的印鉴，看汇款是否已付； ）若汇款已付，将收款人签署的汇款收条寄）若汇款已付，将收款人签署的汇款收条寄 回，表示汇款已经解付；回，表示汇款已经解付； ）若未付，则退回头寸，寄回汇款委托书或）若未付，则退回头寸，寄回汇款委托书或 汇票。汇票。9/25/202451FourInternationalBankRemittance汇款结算方式汇款头寸的调拨，是指汇出行因汇入行汇款头寸的调拨，是指汇出行因汇入行代其解付汇款而予以偿还款项的行为，代其解付汇款而予以偿还款项的行为，俗称俗称“拨头寸拨头寸”。4.3Reimbursementmethods解付汇款的原则解付汇款的原则收妥待付收妥待付9/25/202452FourInternationalBankRemittance汇款结算方式Keywordsreimbursement偿付偿付cover头寸头寸creditadvice贷记通知书贷记通知书debitadvice借记通知书借记通知书H.O.(homeoffice)总行总行a/c(account)账户账户clearingaccount清算账户清算账户9/25/202453FourInternationalBankRemittance汇款结算方式、账户行、账户行直接入账型直接入账型汇出行为账户行汇出行为账户行汇入行为账户行汇入行为账户行Creditingvostroaccountofthepayingbank贷记解付行（汇入行）来账贷记解付行（汇入行）来账Debitingremittingbanksnostroaccount借记汇出行往账借记汇出行往账、“碰头行碰头行”型型通过账户行的共同账户通过账户行的共同账户通过碰头行拨交头寸通过碰头行拨交头寸4.3Reimbursementmethods9/25/202454FourInternationalBankRemittance汇款结算方式存款账户存款账户借记借记存款账户存款账户汇汇出出行行: :账账户户行行汇汇入入行行: :账账户户行行贷记汇入行存款贷记汇入行存款借记汇出行存款借记汇出行存款贷记贷记借记借记无存款账户无存款账户第三家银行转账第三家银行转账9/25/202455FourInternationalBankRemittance汇款结算方式汇款中的货币汇款中的货币为汇出国的货币为汇出国的货币1.In cover, we have 1.In cover, we have credited your a/c with us.credited your a/c with us.2.Your a/c has been credited.2.Your a/c has been credited.账户行账户行开户行开户行汇款指示中汇款指示中头寸拨付条款头寸拨付条款已贷记报单已贷记报单4.3.1Creditingvostroaccountofthepayingbank贷记解付行（汇入行）来账贷记解付行（汇入行）来账4.3Reimbursementmethods9/25/202456FourInternationalBankRemittance汇款结算方式1.In cover, please debit our 1.In cover, please debit our (H.o)a/c with you.(H.o)a/c with you.2.Your a/c debited.2.Your a/c debited.账户行账户行开户行开户行汇款指示中汇款指示中头寸拨付条款头寸拨付条款已借记报单已借记报单4.3Reimbursementmethods4.3.2Debitingremittingbanksnostroaccount借记汇出行往账借记汇出行往账汇款中的货币汇款中的货币为汇入国的货币为汇入国的货币9/25/202457FourInternationalBankRemittance汇款结算方式Remitting bank(US Bank)Paying bank(UK Bank)In cover, we have credited your account with us.Currency:USD9/25/202458FourInternationalBankRemittance汇款结算方式Remitting bank(US Bank)Paying bank(UK Bank)In cover ,please debit our account with you.Currency:GBP9/25/202459FourInternationalBankRemittance汇款结算方式1.In cover,we have authorized X Bank to 1.In cover,we have authorized X Bank to debit our a/c and credit your a/c with themdebit our a/c and credit your a/c with them2.Please debit 2.Please debit our a/c and our a/c and credit B a/c with credit B a/c with youyou 3.Your a/c 3.Your a/c creditedcredited3.Your a/c debited3.Your a/c debited开户行开户行开户行开户行4.3Reimbursementmethods4.3.3Instructingareimbursingbanktoeffectpaymentbydebitingtheremittingbanksnostroaccount通过共同的账户行拨头寸通过共同的账户行拨头寸9/25/202460FourInternationalBankRemittance汇款结算方式Remitting bankPaying bankIn cover, we have authorized XYZ Bank , New York to debit our account and credit your account with them.XYZbankOpen USDaccountOpen USDaccount9/25/202461FourInternationalBankRemittance汇款结算方式4.3Reimbursementmethods4.3.4Instructingthepayingbanktoclaimreimbursementfromanotherbranchofthesamebankoranotherbankwithwhichtheremittingbankopensanaccount解付行向偿付行索偿解付行向偿付行索偿Incover,pleasereimburseyourselvestothedebitingofouraccountwithTheBankofTokyo,NewYork.Incover,pleaseclaimonTheBankofTokyo,NewYork.头寸划拨中，请向东京银行纽约分行索偿，头寸划拨中，请向东京银行纽约分行索偿，由其借记我行在他行的存款账户由其借记我行在他行的存款账户头寸划拨中，请向东京银行纽约分行索偿头寸划拨中，请向东京银行纽约分行索偿9/25/202462FourInternationalBankRemittance汇款结算方式4.3Reimbursementmethods4.3.5Accordingtothepaymentsagreementbetweentwocountries按两国签订的支付协议偿付按两国签订的支付协议偿付Incover,youareauthorizedtodebitourCentralBanksclearingaccountwithyourCentralBank.Incover,wehaverequestedourCentralBanktocreditthesumtotheclearingaccountofyourCentralBankwiththem.头寸划拨中，你行被授权由你国中央银行头寸划拨中，你行被授权由你国中央银行借记我国中央银行清算账户借记我国中央银行清算账户头寸划拨中，你行可要求我中央银行头寸划拨中，你行可要求我中央银行贷记你中央银行清算账户贷记你中央银行清算账户9/25/202463FourInternationalBankRemittance汇款结算方式4.4ThefunctionofRemittanceinInternationalTrade4.4.1Paymentinadvanceismadebyremittance预付货款预付货款Payment in Advance which is adopted in international trade is usually effected by remittance, and is advantageous to exporter.9/25/202464FourInternationalBankRemittance汇款结算方式