国际结算的第四章RemittancePPT课件.ppt

Chapter4 remittance 1 kindsofmethodsofsettlements RemittanceDocumentaryCollectionDocumentaryL CLetterofGuarantee L G 2 remittanceandreverseremittance Therearetwomainkindsofmethodsofsettlements namelyremittanceandreverseremittance Theremittanceisthatthefundsflowinafavorabledirectiontothepaymentinstructionstransmittedtherefrom Thereverseremittanceisthatthefundsflowinacontrarydirectiontothepaymentinstructionstransmittedtherefrom 3 remittance Seller Buyer T T payment 4 reverseremittance Seller Buyer collection payment 5 Definition Remittancereferstothetransferoffundsfromonepartytoanotheramongdifferentcountriesthroughbanks Attherequestofitscustomer abanktransfersacertainsumofmoneytoitsoverseasbranchesorcorrespondentbanksandinstructsthemtopayanamedpersonorcorporationdomiciledinthatcountry 6 PartiestoaRemittance RemitterPayee BeneficiaryRemittingBankPayingBank 7 Theremitterthepersonwhorequestshisbanktoremitfundstoabeneficiaryinaforeigncountry Theremitterisalsothepayer 8 Theremittingbank thebankwhotransferringfundsattherequestofaremittertoitscorrespondentoritsbranchinanothercountryandinstructingthelattertopayacertainsumofmoneytoabeneficiary 9 Thepayee thepersonwhoisaddressedtoreceivetheremittance 10 Thepayingbank thebankentrustedbytheremittingbanktopayacertainsumofmoneytoabeneficiarynamedintheremittanceadvice 11 RemittingBank PayingBank Remitter Payee Beneficiary 12 OutwardRemittanceInwardRemittance 13 OutwardRemittance Theremittanceswhicharehandledbythehomeremittingbank 14 InwardRemittance Theremittancewhichthosearehandledbyforeignpayingbank 15 MethodsofRemittance TelegraphicTransfer T T MailTransfer M T RemittancebyBanker sDemandDraft D D 16 TelegraphicTransfer T T Themostefficientmeanswiththepaymentinstructiontransmittedbytelex SWIFTInanymajorcurrencyforanyamountAfastandaccuratewaytotransferfundsabroad 17 TelegraphicTransfer T T AsecurewayofremittingfundsofsubstantialamountspayabletoaspecificbeneficiaryTofacilitatepaymentsonaregularbasisbymeansofastandinginstruction 18 diagrame 19 Procedure 1 TheremittermakesoutthenecessaryapplicationformandgiveshissignedwrittenapplicationtohisbankinstructingittoissueaT T indicatingthebeneficiary sfullname addressandthenameofbeneficiary sbanker ifany 20 2 Theremittingbankdebitshiscustomer saccountwiththeamounttoberemittedtogetherwithitscommissionandexpense ifany 21 3 Theremittingbankissuesapaymentordertoitsbranchorcorrespondentbankintheplacewherethebeneficiaryisdomiciled Thepaymentorderspecifiesthedetailsofthepaymentincludingamount nameandaddressofbeneficiary andnameoftheremitter 22 4 Uponreceiptofthepaymentorder thepayingbankverifiestheauthorizedsignatures notifiesthebeneficiary andpaystohimthestatedamountminusexpenseschargedbyitself 23 5 Thepayingbankclaimsreimbursementfromtheremittingbankinaccordancewiththelatter sinstructions 24 Specimen从香港汇入港币 25 从世界各地汇入其他货币 26 MailTransfer M T Themailtransferisaremittance attherequestofaremitter effectedbyamailadviceorpaymentordersentbytheremittingbanktothepayingbankauthorizingthelattertonotifyandpayacertainsuminmoneytopayeeoftheremittance 27 RemittancebyBanker sDemandDraft D D DemandDraftAchequepayabletoparticularbeneficiarydrawnonspecificBank usu correspondentbankorbranchoffice InanymajorcurrencyforanyamountPaymentguaranteedbytheissuingbankAninexpensiveandsimplemethodoffundstransfer 28 AsecureformofpaymentasthedemanddraftispayabletothespecifiedpayeeRe purchasableandrefundableiflostTofacilitatepaymentsonaregularbasisbymeansofastandinginstruction 29 D D Demanddraft 30 exercise DraftNo 20060613Amount HKD32 150 00Placeanddateofdraft Tianjin 8May 2003Payingbank BankofChina HongKongPayee theorderofUnitedTradingCompany HongKong 31 exercise Payagainstthisdrafttothedebitofouraccount Remittingbank BankofChina TianjinRemitter ChinaNationalLightIndustrialProductsImp Exp Corp TianjinBranch TianjinPleasedrawademanddrafttomakeremittancebyD D 32 BANKOFCHINANO ThisdraftisvalidforoneAMOUNT yearfromdateofissue To Payto THESUMOF PAYAGAINSTTHISDRAFTTOTHEDEBITOFOURACCOUNTBANKOFCHINA TIANJINsignatures NotnegotiableAccountpayee 33 SupposeBankofChina Tianjinwouldbetheremittingbankoftheremittance theyhave 1 abranchoffice BankofChina London 2 anaccountbank NationalWestminsterBankLtd London 3 acorrespondent BarclaysBankLtd London 34 BankofChina Londonwillbemoreapplicabletoapayingbank 35 ReimbursementofRemittanceCover ThepayingbankhasmaintainedanUSDaccountwiththeremittingbank SupposeanoutwardremittanceinUSDismade youshouldwrite coverinstruction asfollows Incoverwehavecreditedyouraccountwithus 36 Remittingbank Payingbank Incoverwehavecreditedyouraccountwithus USDaccount 37 TheremittingbankhasmaintainedaGBPaccountwiththepayingbank SupposeanoutwardremittanceinGBPismade youshouldwrite coverinstruction asfollows Incover pleasedebitouraccountwithyou 38 Remittingbank Payingbank Incover pleasedebitouraccountwithyou GBPaccount 39 BothpayingbankandremittingbankhavemaintainedUSDaccountwithXYZBank NewYork supposeanoutwardremittanceinUSDismade youshouldwrite coverinstruction asfollows IncoverwehaveauthorizedXYZBank NewYorktodebitouraccountandcredityouraccountwiththem 40 Remittingbank Payingbank IncoverwehaveauthorizedXYZBank NewYorktodebitouraccountandcredityouraccountwiththem XYZbank OpenUSDaccount OpenUSDaccount 41 Remittingbankandpayingbankhavenotmaintainedaccountwitheachother norhavekeptboththeaccountswithathirdBank supposeanoutwardremittanceismade youshouldwrite coverinstruction asfollows IncoverwehaveinstructedXBanktoremitproceedstoyou 42 UsingdrafttoReimburseRemittanceCover 43 Refundment Therefundmenttheremitterclaimesremittingbankinformpayingbankrevocationpayingbankinformremittingbankrefundremittance 44 Iftheremittancehadbeenpaid refusetheclaimIfthepayeeapply dowithrefusinggathering 45 Question HowtorefundifweusingD Dtoremit 46 TypesofRemittance PaymentinAdvancePaymentafterArrivaloftheGoods 47 TypesofRemittance PaymentinAdvancewhichisadoptedininternationaltradeisusuallyeffectedbyremittance andisadvantageoustoexporter 48 TypesofRemittance PaymentafterArrivaloftheGoodswhichisadoptedininternationaltradeisusuallyeffectedbyremittancetoo andisadvantageoustoimporter 49 汇款案例 2001年5月18日 国内某外贸公司与加拿大一家公司经中间人介绍签订了一份金额为39万美元的贸易合同 合同规定 由进口方开出即期不可撤销的信用证向出口方付款 但过了合同规定的开证日期仍未见进口方开来信用证 经出口方的催问 对方称 证已开出 请速备货 然而 临近约定的装运期前一周 出口方还未收到信用证 出口方再次查询 对方才告知 因开证行与出口方银行并无业务代理关系 故此证已开往有代理关系的某地银行转交 此时 船期已到 因合同规定货物需运抵加拿大 而此航线每月只有一班船 若错过这一次船期 则要推迟至下一个月才能装船 这样 将造成利息和费用的损失 这时 进口方提出改用电汇方式把货款汇来 以促成该笔生意 50 鉴于以上情况 出口方只好同意并要求对方提供汇款凭证传真件 确认后马上发货 次日 进口方便传来了银行的汇款凭证 出口方财务人员持该传真件到银行核对签字无误后 以为款项已汇出 便安排货物装船 但货物出运后十多天