SWIFT报文标准在支付业务中的应用

2020/6/13,SWIFT报文标准在支付业务中的应用,运营服务总部（收付清算）2011年6月21日,2,3,Category1客户汇款与支票CUSTOMERPAYMENT&CHEQUESCategory2银行头寸调拨FINANCIALINSTITUTIONTRANSFERSCategory3外汇买卖、货币市场及衍生工具FOREIGNEXCHANGE,MONEYMARKETS&DEVIRATIVESCategory4托收COLLECTIONS&CASHLETTERSCategory5证券业务SECURITIESMARKETSCategory6银团贷款和贵金属业务PRECIOUSMETALS&SYNDICATIONSCategory7跟单信用证和保函DOCUMENTARYCREDIT&GUARANTEESCategory8旅行支票TRAVELLERSCHEQUESCategory9银行和客户账务CASHMANAGEMENT&CUSTOMERSTATUSCategory0SWIFT系统报文SYSTEMMESSAGES,4,交流内容,5,6,报文由汇款行或接受汇款委托的银行直接或通过代理行发送给另一家银行，用来发送付款指令的报文格式。,MT103单笔客户汇款,7,8,-|,M=MandatoryO=Optional,9,案例一,Bike4U是的苏黎世的自行车进口商，该公司向纽约一家大供应商SilverWings订购了一批儿童踏板车。Bikes4U的账户行为苏黎世的UBSAG（UBSWCHZH），SilverWings的账户行为纽约Citibank（CITIUS33)。Bikes4U指示其账户行将款项汇到收款人的账户行，汇款金额为USD99,000，发票号码为6789。,10,Bikes4U,ZurichUBSWCHZHCITIUS33SilverWings,NewYork,MT103,11,50a：汇款人,选项50A/34x4!a2!a2!c,选项50F35x4*35X,选项50K/34x4*35X,12,50a：汇款人,格式一：/34x1!n/33x,格式二：4!a/2!a/27x1!n/33x,选项50F35x4*35X,13,数字代码：付款人名称地址国家和城市生日出生地客户识别号码公民身份号码附加信息,代码词：ARUN国外注册号CCPT护照号码CUST客户识别号码DRLC驾照号码EMPL雇主号码IBEI国际商业实体标识NIDN公民身份号码SOSE社会保险号码TXID纳税标识号码,14,50F：/123456781/SMITHJOHN2/299，PARKAVENUE3/US/NEWYORK，NY10017,50F：DRLC/BE/BRUSSELS/NB09490421/DUPONTJACQUES2/HIGHSTREET6，APT6C3/BE/BRUSSELS,50F：CUST/DE/ABCBANK/123456789/8-1234561/MAINGEORG2/LOWSTREET73/DE/FRANKFURT8/7890,15,59a：收款人,选项59A/34x4!a2!a2!c,选项59/34x4*35X,16,SenderUBSWCHZHMessageType103ReceiverCITIUS33,MSendersreference20:PAY/001MBankOperationCode23B:CREDOInstructionCode23E:PHOB/2124551800MValueDate,Ccy,InterbankSettAmt32A:110313USD99000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHMBeneficiaryCustomer59:/1234567890SILVERWINGS42NDSTREETNEWYORK,NY10022ORemittanceInformation70:/INV/6789MDetailsofCharges71A:SHATRAILER(S),17,23E：指示代码,CHQB通过支票付款。使用CHQB，59栏位不能放入账号。CORT公司之间贸易结算的付款。INTC同一集团内部两个公司之间的付款。SDVA付款日也是起息日。汇款必须在同一天交到收款人手里。,HOLD前来取款，验明身份后付款。REPA是关于电子支付参号下的付款。PHON请电话通知帐户人。PHOB请电话通知收款人。PHOI请电话通知中间行。TELE请用最有效的通讯方式通知帐户行。TELB请用最有效的通讯方式通知收款人。TELI请用最有效的通讯方式通知中间行。,18,70：汇款信息,格式：4*35x,代码词INV发票信息，后跟日期、参号和发票详情。IPI标识相关国际付款指令的唯一参号RFB收款人参号ROC汇款人参号TSUTSU交易参号，代码字放在两个斜线之间，后跟发票号、单斜线、支付的金额。,19,假设进口商Bikes4U指示UBSAG,Zurich向出口商SilverWings支付瑞士法郎，金额为CHF108,000。UBS与Citibank之间有直接账户关系。,案例二,20,SenderUBSWCHZHMessageType103ReceiverCITIUS33,MSendersreference20:PAY/002MBankOperationCode23B:CREDOInstructionCode23E:PHOB/2124551800MValueDate,Ccy,InterbankSettAmt32A:110313CHF108000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHMBeneficiaryCustomer59:/1234567890SILVERWINGS42NDSTREETNEWYORK,NY10022ORemittanceInformation70:/INV/6789MDetailsofCharges71A:SHATRAILER(S),21,MT103的货币符号指明了支付（借记/贷记）的方向：付款指令，授权借记付款指令，贷记证实,22,SilverWings在法国巴黎设有分公司，Bikes4U向SilverWings的巴黎分公司以同样的价格购买另一批儿童踏板车。SilverWings做促销活动，要求Bikes4U在2011年3月底前先支付CHF5,000押金，付款信息中列明“specialoffer”。Bikes4U指示其账户行UBSAG，Zurich向SilverWings的欧元账户行SocieteGenerale，Paris（SOGEFRPP）汇款CHF5,000。UBSAG在SOGEFRPP开立欧元账户。,1EUR=1,61CHF5,000CHF*0,61988=3099,42EUR,案例三,23,Bikes4U,ZurichUBSWCHZHSOGEFRPPSilverWings,Paris,MT103,24,SenderUBSWCHZHMessageType103ReceiverSOGEFRPPMSendersreference20:PAY/003MBankOperationCode23B:CREDMValueDate,Ccy,InterbankSettAmt32A:110313EUR3099,42OCurrency/InstructedAmount33B:CHF5000,OExchangeRate36:0,61988MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHMBeneficiaryCustomer59:/FR7691000016600000090130601SILVERWINGS36AVENUEDESCHAMPSELYSEES75002PARISORemittanceInformation70:/RFB/SPECIALOFFERMDetailsofCharges71A:SHA,25,如果报文中有71F或71G栏位，则33B必选。如果收报行和发报行BIC中的国家代字同时包含在下列清单中，则33B必选。,33B：汇款人指示的币种和金额,26,SilverWings在墨西哥有分公司。Bikes4U指示其账户行UBSAG，Zurich（UBSWCHZH)向SilverWings在BancoDeMexico，Mexico（BDEMMXMM）的美元账户行汇款，金额为USD25,000。UBSAG美元代理行是Citibank，NewYork（CITIUS33），支付的发票号码为AZV1470。款项到帐后，要求以最有效的通讯方式通知收款人SilverWings。费用由交易双方各自承担。,案例四,27,Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，Mexico,MT103,28,57a：帐户行,选项57A/1!a/34x4!a2!a2!c3!a,选项57B/1!a/34x35x,选项57C/34x,选项57D/1!a/34x4*35x,29,SenderUBSWCHZHMessageType103ReceiverCITIUS33,MSendersreference20:PAY/004MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt32A:110313USD25000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOAccountwithInstitution57A:BDEMMXMMMBeneficiaryCustomer59:/33225678SILVERWINGSPASEODELAREFORMA11606600MEXICOORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:SHATRAILER(S),30,纽约Citibank收到此笔MT103汇款指令后，继续将汇款指令传递给下一家银行。CITIUS33收取USD12费用。,Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，Mexico,MT103,31,52a：汇款行,选项52A/1!a/34x4!a2!a2!c3!a,选项52D/1!a/34x4*35x,32,SenderCITIUS33MessageType103ReceiverBDEMMXMM,MSendersreference20:CUS/9232MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt32A:110313USD24988,OCurrency/instructedAmount33B:USD25000，MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOOrderingInstitution52A:UBSWCHZHMBeneficiaryCustomer59:/33225678SILVERWINGSPASEODELAREFORMA11606600MEXICOORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:SHAOSedersCharges71F:USD12,CITIUS33收取USD12费用,33,71A：费用细则,SHA交易中发报行方面的收费由汇款人承担，收款人承担收报行的费用。OUR交易中双方的收费均由汇款人承担。BEN交易中双方的收费均有收款人承担。,34,Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，Mexico,MT103,MT103,SHA,OUR,BEN,35,71F：发报行的收费,71G：收报行的收费,36,如果本案例中由汇款人支付所有费用。CITIUS33的费用为USD12。由于BDEMMXMM与UBSAG之间没有账户关系，因此UBSAG当前不知道BDEMMXMM的收费情况。,37,Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，Mexico,MT103,OUR,38,SenderUBSWCHZHMessageType103ReceiverCITIUS33,MSendersreference20:PAY/004MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt32A:110313USD25012,OCurrency/InstructedAmount33B:USD25000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOAccountwithInstitution57A:BDEMMXMMMBeneficiaryCustomer59:/33225678SILVERWINGSPASEODELAREFORMA11606600MEXICOORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:OURODetailsofCharges71G:USD12，,39,Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，Mexico,MT103,BEN,假设费用由收款人支付：UBSWCHZH收费US20CITIUS33收费USD12BDEMMXMM收费USD11,40,SenderUBSWCHZHMessageType103ReceiverCITIUS33,MSendersreference20:PAY/004MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt32A:110313USD24980,OCurrency/InstructedAmount33B:USD25000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOAccountwithInstitution57A:BDEMMXMMMBeneficiaryCustomer59:/33225678SILVERWINGSPASEODELAREFORMA11606600MEXICOORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:BENODetailsofCharges71F:USD20，,41,SenderCITIUS33MessageType103ReceiverBDEMMXMM,MSendersreference20:CUS/9232MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt32A:110313USD24968,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOAccountwithInstitution52A:UBSWCHZHMBeneficiaryCustomer59A:/33225678WINGMXMMORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:BENODetailsofCharges71F:USD20，ODetailsofCharges71F:USD12，TRAILER(S),42,KlausZiegler是Bikes4U的总裁，计划到泰国度假。Klaus指示UBSAGZurich（UBSWCHZH）汇款USD3,500给自己，款项汇到曼谷的KasikornbankPublicCompanyLimited（KASITHBK）。Klaus届时凭借其护照支取款项（护照号码：V631006）。Klaus指示银行自己作为收款人收取款项时支付银行费用。UBSAG的美元账户行是BarclaysBankPlc，NewYork（BARCUS33），并且KASITHBK在纽约的BankofNewYork（IRVTUS3N）开立美元账户。,案例五,43,KlausZieglerUBSWCHZHBARCUS33IRVTUS3NKASITHBKKlausZiegler,MT103,44,56a：中间行,选项56A/1!a/34x4!a2!a2!c3!a,选项56D/1!a/34x4*35x,选项56C/34x,45,SenderUBSWCHZHMessageType103ReceiverBARCUS33,MSendersreference20:PAY/005MBankOperationCode23B:CREDOInstructionCode23E:HOLD/SWISSPASSPORTNO.V631006MValueDate,Ccy,InterbankSettAmt32A:110313USD3480,OCurrency/InstructedAmount33B:USD3500,MOrderingCustomer50K:/CH9300761234567890123KLAUSZIEGLERPELIKANSTRASSE348022ZURICHOIntermediaryInstitution56A:IRVTUS3NOAccountwithInstitution57A:KASITHBKMBeneficiaryCustomer59:KLAUSZIEGLERPELIKANSTRASSE348022ZURICHMDetailsofCharges71A:BENODetailsofCharges71F:USD20，TRAILER(S),46,KlausZieglerUBSWCHZHBARCUS33IRVTUS3NKASITHBKKlausZiegler,MT103,BARCUS33收取费用USD15。,47,SenderBARCCUS33MessageType103ReceiverIRVTUS3N,MSendersreference20:12345MBankOperationCode23B:CREDOInstructionCode23E:HOLD/SWISSPASSPORTNO.V631006MValueDate,Ccy,InterbankSettAmt32A:110313USD3465,OCurrency/InstructedAmount33B:USD3500,MOrderingCustomer50K:/CH9300761234567890123KLAUSZIEGLERPELIKANSTRASSE348022ZURICHOIntermediaryInstitution52A:UBSWCHZHOAccountwithInstitution57A:KASITHBKMBeneficiaryCustomer59:KLAUSZIEGLERPELIKANSTRASSE348022ZURICHMDetailsofCharges71A:BENODetailsofCharges71F:USD20，ODetailsofCharges71F:USD15，,48,KlausZieglerUBSWCHZHBARCUS33IRVTUS3NKASITHBKKlausZiegler,MT103,IRVTUS3N收取费用USD20。,49,SenderIRVTUS3NMessageType103ReceiverKASITHBK,MSendersreference20:PT456MBankOperationCode23B:CREDOInstructionCode23E:HOLD/SWISSPASSPORTNO.V631006MValueDate,Ccy,InterbankSettAmt32A:110313USD3445,OCurrency/InstructedAmount33B:USD3500,MOrderingCustomer50K:/CH9300761234567890123OIntermediaryInstitution52A:UBSWCHZHMBeneficiaryCustomer59:KLAUSZIEGLERPELIKANSTRASSE348022ZURICHMDetailsofCharges71A:BENODetailsofCharges71F:USD20，ODetailsofCharges71F:USD15，ODetailsofCharges71F:USD20，OSendertoReceiverInformation72:/INS/BARCUS33,50,72：发报行给收报行的信息,ACC给账户行的附言INT给中间行的附言REC给收报行的附言INS指示行，该指示行要求发报行完成该交易。,51,SERIAL,COVER,MT103,MT103,MT202COV,MT103,52,SilverWings在伊斯坦布尔开有分公司。苏黎世的Bikes4U指示其账户行UBSAG，Zurich（UBSWCHZH）汇款给SilverWings伊斯坦布尔分公司，汇款金额为EUR100,000，该分公司的欧元账户行是伊斯坦布尔的ArabTurkishBank（ATUBTRIS）。UBSAG，Zurich向ArabTurkishBank，Istanbul发送欧元汇款指令，但收发报行之间没有直接账户关系，需要中间代理行。UBSAG和ArabTurkishBank使用共同的代理行SocieteGenerale，Paris（SOGEFRPP）。,案例六,53,Bikes4U，ZurichUBSWCHZHSOGEFRPPATUBTRISSilverWings，Istanbul,MT103,54,53a：发报行的代理行,选项53A/1!a/34x4!a2!a2!c3!a,选项53D/1!a/34x4*35x,选项53B/1!a/34x35x,55,SenderUBSWCHZHMessageType103ReceiverATUBTRIS,MSendersreference20:PAY/006MBankOperationCode23B:CREDMValueDate,Ccy,InterbankSettAmt32A:110313EUR100000,OCurrency/InstructedAmount33B:EUR100000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOIntermediaryInstitution53A:SOGEFRPPMBeneficiaryCustomer59:/TR330006100519786457841326SILVERWINGSVALIKONAGICADESSI1034367ISTANBULORemittanceInformation70:/INV/3233/4529/5331MDetailsofCharges71A:SHATRAILER(S),56,Bikes4U，ZurichUBSWCHZHSOGEFRPPATUBTRISSilverWings，Istanbul,MT103,MT202COV,57,SenderUBSWCHZHMessageType202COVReceiverSOGEFRPP,MSendersreference20:PAY/012MRelatedReference21:PAY/006MValueDate,CcyCode,Amt32A:110313EUR100000,MBeneficiaryInstitution58A:ATUBTRIS,MOrderingCustomer50F:/0082393456021/BIKES4U2/160TWOEXCHANGESQUARE3/HK/CENTRALMBeneficiaryCustomer59:/NL1234567892145639874SILVERWINGSPARKLAAN73016BAROTTERDAM,58,假设ArabTurkishBank与UBSAG使用各自的欧元代理行，即ArabTurkishBank的欧元帐户行是BanqueParibas，Paris（BNPAFRPP），UBSAG的欧元帐户行是SocieteGenerateParis（SOGEFRPP）。,案例七,59,Bikes4U，ZurichUBSWCHZHSOGEFRPPBNPAFRPPATUBTRISSilverWings，Istanbul,MT103,60,54a：收报行的代理行,选项54A/1!a/34x4!a2!a2!c3!a,选项54D/1!a/34x4*35x,选项54B/1!a/34x35x,61,SenderUBSWCHZHMessageType103ReceiverATUBTRIS,MSendersreference20:PAY/007MBankOperationCode23B:CREDMValueDate,Ccy,InterbankSettAmt32A:110313EUR100000,OCurrency/InstructedAmount33B:EUR100000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOIntermediaryinstitution53A:SOGEFRPPOAccountwithinstitution54A:BNPAFRPPMBeneficiaryCustomer59:/TR330006100519786457841326SILVERWINGSVALKANOGICADDESI1034367ISTANBULORemittanceInformation70:/INV/3233/4529/5331MDetailsofCharges71A:SHA,62,Bikes4U，ZurichUBSWCHZHSOGEFRPPBNPAFRPPATUBTRISSilverWings，Istanbul,MT103,MT202COV,63,SenderUBSWCHZHMessageType202COVReceiverSOGEFRPP,MSendersreference20:PAY/014MRelatedReference21:PAY/007MValueDate,CcyCode,Amt32A:110313EUR100000,OAccountwithInstitution57A:BNPAFRPPMBeneficiaryInstitution58A:ATUBTRIS,MOrderingCustomer50F:/0082393456021/BIKES4U2/160TWOEXCHANGESQUARE3/HK/CENTRALMBeneficiaryCustomer59:/NL1234567892145639874SILVERWINGSPARKLAAN73016BAROTTERDAM,64,Bikes4U在香港新设立了新的分公司，SilverWings也在荷兰阿姆斯特丹设立了分公司。Bikes4U的香港分公司从SilverWings阿姆斯特丹的分公司进口儿童脚踏车。Bikes4U指示其帐户行StandardCharteredBank，HongKong（SCBLHKHH）汇款USD11,000给SilverWings在GEArtesiaBank，RotterdamBranch（ARTENL2AROT)的帐户，账号为NL1234567892145639874。发票号码为CHE/123/ROHK。StandardCharteredBank发送MT103客户汇款指令给GEArtesiaBank，Rotterdam，同时将头寸划拨给自己的美元帐户行BankofNewYork（IRVTUS3N）。GEArtesiaBank在鹿特丹所有的外币帐户都开在阿姆斯特丹的总部（ARTENL2A），其总部的美元帐户行是CreditSuisseFirstBostonNewYork（CRESUS33)。费用由汇款人和收款人各自承担。,案例八,65,Bikes4U，HongKongSCBLHKHHIRVTUS3NCRESUS33ARTENL2AARTENL2AROTSilverWings，Rotterdam,MT103,MT202COV,66,SenderSCBLHKHHMessageType103ReceiverARTENL2AROT,MSendersreference20:PAY/008MBankOperationCode23B:CREDMValueDate,Ccy,InterbankSettAmt32A:110313USD11000,MOrderingCustomer50F:/0082393456021/BIKES4U2/160TWOEXCHANGESQUARE3/HK/CENTRALOSendersCorrespondent53A:IRVTUS3NOReceiversCorrespondent54A:CRESUS33OThirdReimbursementInstitution55A:ARTENL2AMBeneficiaryCustomer59:/NL1234567892145639874SILVERWINGSPARKLAAN73016BAROTTERDAMORemittanceInformation70:/INV/CHE/123/ROHKMDetailsofCharges71A:SHA,67,提高业务直通式（STP）处理：,正确使用SWIFT报文栏位的格式选项。尽量使用格式化选项，如BIC、清算系统代码、代码词等。从客户方获得准确的汇款信息。,68,69,70,Bikes4U，HongKongSCBLHKHHIRVTUS3NCRESUS33ARTENL2AARTENL2AROTSilverWings，Rotterdam,MT103,MT202COV,71,该报文格式由付款行或代表付款行的银行直接或通过代理行发送给收款行的银行，MT202COV仅用于通过COVER付款方式的客户汇款下的头寸调拨，其他方式下的银行间头寸调拨不能使用MT202COV报文格式，而应使用MT202报文格式。,MT202COV附带汇款信息的单笔银行头寸调拨,72,Acoverpayment,收报行的代理行,发报行的代理行,汇款人,收款人,汇款行,收款行,73,问题,UNKNOWNPARTIESINTHECOVERPAYMENT,汇款人,汇款行,收款行,收款人,收报行的代理行,发报行的代理行,74,MT202COV,收报行的代理行,发报行的代理行,COV,汇款人,汇款行,收款行,收款人,75,MT202COV,76,MT202COV附加的相关MT103的数据,77,21：有关业务编号付款行与收款行之间的头寸调拨是与另一笔客户汇款有关，21栏位必须列明该业务编号。,78,58a：收款行,选项58A/1!a/34x4!a2!a2!c3!a,选项58D/1!a/34x4*35x,79,Bikes4U，HongKongSCBLHKHHIRVTUS3NCRESUS33ARTENL2AARTENL2AROTSilverWings，Rotterdam,MT103,MT202COV,80,SenderSCBLHKHHMessageType202COVReceiverIRVTUS3N,MSendersreference20:PAY/009MRelatedReference21:PAY/008MValueDate,CcyCode,Amt32A:110313USD11000,OIntermediary56A:CRESUS33OAccountwithInstitution57A:ARTENL2AMBeneficiaryInstitution58A:ARTENL2AROT,MOrderingCustomer50F:/0082393456021/BIKES4U2/160TWOEXCHANGESQUARE3/HK/CENTRALMBeneficiaryCustomer59:/NL1234567892145639874SILVERWINGSPARKLAAN73016BAROTTERDAM,81,MT200单笔银行头寸调入发报行帐户,报文由开户行发给账户行，用来要求将头寸从发报行开在收报行的某个帐户调入发报行开在另一家银行相同币别账户的报文格式。,82,MT200FINANCIALINSTITUTIONTRANSFERFORITSOWNACCOUNT,MMandatoryO=Optional,83,案例九,ChangHwaCommercialBank（CCBCSGSG）在DeutscheBank（DEUTDEFF）和FortisBankBrussels（GEBABEBB）均开立了欧元帐户。CCBCSGSG的资金部门将EUR500,000从DEUTDEFF的欧元帐户调入在GEBABEBB的欧元帐户。,84,CCBCSGSGDEUTDEFFGEBABEBB,MT200,85,SenderCCBCSGSGMessageType200ReceiverDEUTDEFF,MTransactionReferenceNumber20:PAY/010MValueDate,CcyCode,Amt32A:110313EUR500000,MAccountwithInstitution57A:GEBABEBB,86,案例十,假设ChangHwaCommercialBank在Deutsche有两个欧元帐户，分别是987FX和654TF。CCBCSGSG的资金部门将EUR500,000从DEUTDEFF的987FX欧元帐户调入在GEBABEBB的欧元帐户。,87,SenderCCBCSGSGMessageType200ReceiverDEUTDEFF,MTransactionReferenceNumber20:PAY/011MValueDate,CcyCode,Amt32A:110313EUR500000,OSendersCorrespondent53B:/987FXMAccountwithInstitution57A:GEBABEBB,88,案例十一,假设ChangHwaCommercialBank（CCBCSGSG）在Deutsche有两个欧元帐户，分别是987FX和654TF。CCBCSGSG的资金部门将EUR500,000从DEUTDEFF的987FX欧元帐户调入654TF帐户。,89,CCBCSGSGDEUTDEFF,MT202,987FX,654TF,D,C,当发报行在收报行开立几个帐户，并要求收报行将其头寸在这几个帐户之间调拨时，使用MT202报文。,90,SenderCCBCSGSGMessageType202ReceiverDEUTDEFF,MTransactionReferenceNumber20:PAY/012MRelatedReference21:PAY/012MValueDate,CcyCode,Amt32A:110313EUR250000,OSendersCorrespondent53B:/987FXMAccountwithInstitution58A:/654TFCCBCSGSG,91,92,93,MT900借记证实,报文由账户行发给开户行，用来通知开户行某笔款项已在所开账户中被借记的报文格式。该笔借记将在对账单中被进一步证实。,94,95,案例十二,在COVER的付款方式中，UBSWCHZH向MIDLGB22发送了一份MT103客户汇款指令，同时向其帐户行NDEADKKK发送MT202COV头寸调拨电。,96,TheDanishHouse，ZurichUBSWCHZHNDEADKKKMIDLGB22CarlsbergBrewery，London,MT103,MT202COV,MT900,97,UBSWCHZH103MIDLGB22,20:PAY/01323B:CRED32A:110313DKK100000,33B:DKK100000,50K:/CH9312345001234567890THEDANISHHOUSE10SEESTRASSE8021ZURICH53A:NDEADKKK59:/GB20MIDL50134379876546CARLSBERGBREWERY10QUEENSTREETLONDONEC470:/INV/323/452/53371A:SHA,UBSWCHZH202COVNDEADKKK,20:PAY/01421:PAY/01332A:110313DKK100000,58A:MIDLGB2250K:/CH9312345001234567890THEDANISHHOUSE10SEESTRASSE8021ZURICH59:/GB20MIDL50134379876546CARLSBERGBREWERY10QUEENSTREETLONDONEC4,98,UBSWCHZH202COVNDEADKKK,20:PAY/01421:PAY/01332A:110313DKK100000,58A:MIDLGB2250K:/:/CH9312345001234567890THEDANISHHOUSE10SEESTRASSE8021ZURICH59:/GB20MIDL50134379876546CARLSBERGBREWERY10QUEENSTREETLONDONEC4,NDEADKKK900UBSWCHZH,20:BB12521:PAY/01425:0040044011624332A:110313DKK100000,99,MT910贷记证实,报文由账户行发给开户行，用来通知开户行某笔款项已在所开账户中被贷记的报文格式。该笔贷记将在对账单中被进一步证实。,100,101,TheDanishHous