國際結算全集合ppt課件-資料下載頁

　　

【正文】 tion and indicate the reimbursement of remittance cover 。 ? outward remittance ? 匯入行或解付行（ paying bank）： ? paying in strict pliance with the . and authenticate the relevant signature or test key 。 ? usually paying after its receipt of the funds from the remitting bank。 ? clean payment。 ? inward remittance parties and their obligations Based on the means of transferring funds, ? 電匯（ telegraphic transfer, T/T） the remitting bank sends the . to the paying bank by cable, telex, or SWIFT, authorizing the paying bank to make payment to the payee. fast 。 safe 。 limited time for banks to keep the funds the contents of T/T ? 信匯（ mail transfer， M/T） the remitting bank transfers the funds by mailing a . cheap but slow procedures for M/T and T/T ? 票匯 （ remittance by banker’s demand draft, D/D） On the request of the remitter, the remitting bank draws a demand draft on its overseas branch or correspondent bank ordering the latter to pay on demand to the payee upon presentation. convenient and transferable draft on center中心匯票 procedures for D/D Methods and procedures of remittance FM:匯出行 TO:匯入行 DATE:發電日期 TEST密押 OUR REF NO CHARGES FOR US 我行不負擔費用 PAY(AMT) 金額 VALUE (DATE)起息日 TO(BENEFICIARY)收款人 MESSAGE附言 ORDER/BY ORDER OF (B/O)匯款人 COVER頭寸撥付 The contents of T/T 收款人： PAY TO BANK （收款人的帳戶行） FOR CREDITING A/C NO. OF 收款人 Remitting bank: bank of Asia, Tianjin Paying bank： bank of Asia, Luxemburg Date of cable: 9 June Test:2563 Ref Amount:USD 1, Payee:Marie Clauda Dumont,Luxemburg account with Banque International du Luxemburg Message:payroll Remitter:Crystal Palace Hotel,Tianjin Cover:Debit our . account FM: bank of Asia, Tianjin TO: bank of Asia, Luxemburg DATE: 9 June TEST 2563 OUR REF208TT0219 NO ANY CHARGES FOR US PAY USD 1, TO Banque International du Luxemburg FOR CREDITING A/C NO. 0164/7295/550 OF Marie Clauda Dumont,Luxemburg MESSAGE payroll ORDER Crystal Palace Hotel,Tianjin COVER Debit our . account payee remitter Paying bank Remitting bank (1) (2) (3) (4) (5) (6) (7) (1)Remittance application with funds and mission。 (2)receipt (3)sends . /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 (8) remitter payee Remitting bank Paying bank 1) D/D application 2)Bank demand draft 3)bank demand draft 4)Presenting 5)payment 6)Debit advice Collecting bank ? 銀行開出的以票面貨幣清算中心城市的銀行為付款行的匯票。 ? 出票行：匯出行 付款行：清算中心的代理行 ? 特點： 購票人將中心匯票交收款人，收款人可委托當地銀行托收或買入，還可轉讓。 匯出行不寄票根，不撥頭寸，當中心匯票提交付款行時，借記出票行的帳戶以付款并向其寄送借記報單。從出票到付款前不占用出票行的資金。 Draft on center ? According to the time of shipment and of payment : ? 預付貨款 (payment in advance) :pay at the time of order(cash with order) or prior to shipment of the goods, monly used in specialized and capital intensive goods. ? 貨到付款（ payment after arrival of goods :also called open account, say, cash on delivery/交貨付現。 goods sold（售定） sold on consignment（寄售） ? 憑單付匯 (remittance against documents) ? Characteristics of remittance ? risky ? Unbalanced capital burden ? Simple procedures and costefficient Application of remittance 出口合同規定的支付條款為裝運月前 15天電匯付款，買方延至裝運中始從郵局寄來銀行匯票一紙，為保證按期交貨，出口企業于收到該匯票次日即將貨物托運，同時委托銀行代收票款。一個月后，接銀行通知，因該匯票系偽造，已被退票。此時，貨已抵達目的港，并已被買方憑出口企業自行寄去的單據提走。事后追償，對方早已人去樓空。 結論： 進口方改變了付款方式 收到匯票并不等于收到錢，當企業無法辨別其真偽時，應交銀行代為審核 Case study ? 委托人 principalseller(drawer) collection application ? 托收行 remitting bank/寄單行 collection instruction ? 代收行 collecting bank ? 提示行 presenting bank ? 付款人 payer buyer (drawee) ? 需要時的代理 principal’s representative in case of need Basic parties to a collection Chapter five Letter of credit ? The concept and characteristics of a L/C ? Contents of a L/C ? Parties to a L/C ? Procedures of a documentary credit operation ? Types of credit ? Examination of a L/C ? A L/c is a written undertaking by the issuing bank to the beneficiary, under which the bank will pay a sum certain in money to the beneficiary if the beneficiary of the L/C provides the bank with specified documents within a prescribed time period, which all ply with the terms and conditions of the credit. The concept of a L/C UCP500 an arrangement, however named or described, whereby a bank(the issuing bank) acting at the request and on the instructions of a customer (the applicant) or on its own behalf, 1)is to make a payment to the order of a third party(the beneficiary), or is to accept and pay bills of exchange(drawn by the beneficiary)。 or 2)authorizes another bank to effect such payment, or to accept and pay such bills of exchange。 or 3) authorizes another bank to negotiate, against stipulated documents, provided that the terms and conditions of the credit are plied with. ? A written undertaking on the part of the issuing bank ? Independent of the sales contract ? Exclusively dealing with documents ? High level of protection and security to both buyers and sellers ? Abide byUCP500, Uniform Customs and Practice for Documentary Credits, ICC Publication 1929/74， 1933/82， 1951/151， 1962/222，1974/290， 1983/400， 1993/500, 2022/600 全文共 49條，包括：總則與定義、信用證的格式與通知、責任與義務、單據、雜項規定、可轉讓信用證和款項讓渡七個部分。 Characteristics of a L/C ? the ICC Banking Commission on 25 October, 2022