汇款remittance结算方式

ChapterthreeRemittance,Internationalexchange国际汇兑Reimbursementofremittancecover汇款头寸的偿付TheconceptofremittancePartiesofremittanceMethodsandproceduresofremittanceApplicationofremittance,Internationalexchangereferstooperationalactivitiesrelatedwiththecurrencyconversionandtransferoffundsbetweencountriesinordertosettletheclaimsanddebtsbypaymentinstrumentsthroughbanks.Inbroadsense-theinternationalsettlementInnarrowsense-internationalbankremittanceTypes:,Internationalexchange,payer,payee,BankA,BankB,payer,payee,BankA,BankB,contract,contract,Remittance:,Reverseremittance:,Ifthepayingbankmaintainsacurrentaccountwiththeremittingbank(1)ortheremittingbankhasaa/cwiththepayingbank(2),Reimbursementofremittancecover,Remittingbank,Payingbank,Vostroa/c,(1)incover,wehavecreditedyourea/cwithus,Nostroa/c,(2)incover,pleasedebitoura/cwithyou,Ifthereisnovostroornostroaccountwitheachother,buttheremittingbankcanfindathirdbank,withwhichboththepayingbankandtheremittingbankmaintaincurrentaccount.,Remittingbank,Payingbank,ReimbursingbankA,Incover,wehaveauthorizedAtodebitoura/candcredityoura/cwiththem,debitoura/candcreditpayingbanka/cwithyou,Creditadvice,Exercises:pleasewrite“coverinstruction”foreachremittancebelow.ThepayingbankhasmaintainedanUSDaccountwiththeremittingbank.SupposeanoutwardremittanceinUSDismade,howdoyouwrite“coverinstruction”forthisremittance?Incover,wehavecreditedyouraccountwithusBothremittingbankandpayingbankhavemaintainedUSDaccountwithXYZBank,NewYork.SupposeanoutwardinUSDismade,then“coverinstruction”?Incover,wehaveauthorizedXYZBank,NewYorktodebitouraccountandcredityouraccountwiththem,Abank,atrequestofitscustomer,transferacertainsumofmoneytoitsoverseasbranchorcorrespondentbank,instructingittopayanamedpersondomiciledinthatcountry.Basedoncommercialcredit,theconceptofremittance,payee,remitter,Payingbank,Remittingbank,instruction,goods,Application,paying,汇款人（remitter/importer）:RemittanceapplicationSubmitthesameamountoffundsandcommissionForourcountry,submitdocumentsrequiredbySAFE收款人或受益人（payee/exporter）汇出行(remittingbank)：paymentorder/P.O.（支付授权书)shouldbemadeoutasinstructedintheapplicationandindicatethereimbursementofremittancecover;outwardremittance汇入行或解付行（payingbank）：payinginstrictcompliancewiththeP.O.andauthenticatetherelevantsignatureortestkey;usuallypayingafteritsreceiptofthefundsfromtheremittingbank;cleanpayment;inwardremittance,partiesandtheirobligations,Basedonthemeansoftransferringfunds,电汇（telegraphictransfer,T/T）theremittingbanksendstheP.O.tothepayingbankbycable,telex,orSWIFT,authorizingthepayingbanktomakepaymenttothepayee.fast;safe;limitedtimeforbankstokeepthefundsthecontentsofT/T信汇（mailtransfer，M/T）theremittingbanktransfersthefundsbymailingaP.O.cheapbutslowproceduresforM/TandT/T票汇（remittancebybankersdemanddraft,D/D）Ontherequestoftheremitter,theremittingbankdrawsademanddraftonitsoverseasbranchorcorrespondentbankorderingthelattertopayondemandtothepayeeuponpresentation.convenientandtransferabledraftoncenter中心汇票proceduresforD/D,Methodsandproceduresofremittance,FM:汇出行TO:汇入行DATE:发电日期TEST密押OURREFNO.汇款编号NOCHARGESFORUS我行不负担费用PAY(AMT)金额VALUE(DATE)起息日TO(BENEFICIARY)收款人MESSAGE附言ORDER/BYORDEROF(B/O)汇款人COVER头寸拨付,ThecontentsofT/T,收款人：,PAYTOBANK（收款人的帐户行）FORCREDITINGA/CNO.OF收款人,Remittingbank:bankofAsia,TianjinPayingbank：bankofAsia,LuxemburgDateofcable:9JuneTest:2563RefNo.208TT0219Amount:USD1,660.00Payee:MarieClaudaDumont,LuxemburgaccountNo.0-164/7295/550withBanqueInternationalduLuxemburgMessage:payrollRemitter:CrystalPalaceHotel,TianjinCover:DebitourH.O.account,FM:bankofAsia,TianjinTO:bankofAsia,LuxemburgDATE:9JuneTEST2563OURREF208TT0219NOANYCHARGESFORUSPAYUSD1,660.00TOBanqueInternationalduLuxemburgFORCREDITINGA/CNO.0-164/7295/550OFMarieClaudaDumont,LuxemburgMESSAGEpayrollORDERCrystalPalaceHotel,TianjinCOVERDebitourH.O.account,payee,remitter,Payingbank,Remittingbank,(1),(2),(3),(4),(5),(6),(7),(1)Remittanceapplicationwithfundsandcommission;(2)receipt(3)sendsP.O./telex/SWIFTinstructingpayingbanktomakepayment(4)afterauthenticating,notifiesthepayee(5)uponreceipt,thepayeeprovidesthepayingbankareceipt(6)thepayingbankdebitedtheremittingbanksa/candmakepayment(7)sendsthedebitadviceandpaymentreceiptfrompayeetotheremittingbank(8)thedebtisdischarged,(8),remitter,payee,Remittingbank,Payingbank,1)D/Dapplication,2)Bankdemanddraft,3)bankdemanddraft,4)Presenting,5)payment,6)Debitadvice,Collectingbank,银行开出的以票面货币清算中心城市的银行为付款行的汇票。出票行：汇出行付款行：清算中心的代理行特点：购票人将中心汇票交收款人，收款人可委托当地银行托收或买入，还可转让。汇出行不寄票根，不拨头寸，当中心汇票提交付款行时，借记出票行的帐户以付款并向其寄送借记报单。从出票到付款前不占用出票行的资金。,Draftoncenter,Accordingtothetimeofshipmentandofpayment:预付货款(paymentinadvance):payatthetimeoforder(cashwithorder)orpriortoshipmentofthegoods,commonlyusedinspecializedandcapitalintensivegoods.货到付款（paymentafterarrivalofgoods:alsocalledopenaccount,say,cashondelivery/交货付现。goodssold（售定）soldonconsignment（寄售）凭单付汇(remittanceagainstdocuments)CharacteristicsofremittanceriskyUnbalancedcapitalburdenSimpleproced