c4 Collections

1、Chapter 4 专业PPT/商演示设计制作 Payment Methods - Collections周锦周锦Review How do the international funds be transferred?Definition and parties of Remittance? The comparison of three types of Remittance? Application of Remittance in I.SCollectionsIn this chapter, you will learnDefinition Parties of collection

2、Types of collection Procedure of collection Outward and inward collection Risk protection and financing under collection methodsURC522(Uniform Customs for Collection)documentary/clean collection跟单跟单/光票托收光票托收D/P, D/A付款交单付款交单,承兑交单承兑交单4.1 Introduction概述概述4.1.1 What is a collection?I. Collection is an a

3、rrangement whereby the goods are shipped and a relevant bill of exchange is drawn by the seller on the buyer, and/or shipping documents are forwarded to the sellers bank with clear instructions for collection through one of its correspondent bank located in the domicile of the buyer.Financial instru

4、mentBill of lading（title documents)1.Please list the parties involved in collection.2.How many kinds of documents should the beneficiary present to a bank for collecting the proceeds?4.1 Introduction概述概述4.1.1 What is a collection?II. (URC522, Article 2 Definition of Collection)Collection means the h

5、andling by banks of documents in accordance with instructions received in order to :i. obtain payment and /or, acceptance orii. deliver documents against payment and /or against acceptance.iii. Deliver documents on other terms and conditions. “托收托收”指银行依所受指示处理统一规则所称指银行依所受指示处理统一规则所称 之单据，以求：之单据，以求：获得承兑

6、付款，或获得承兑付款，或 凭承兑付款交付单据，或凭承兑付款交付单据，或 依其它条件交付单据依其它条件交付单据 Collecting BankDraweeBuyerImporter1.get acceptancepayment2.deliver documents against acceptance/paymentD/AD/P4.1 Introduction概述概述4.1.2 Parties to the operation of collections当事人当事人1. The principal (seller/exporter/drawer) 委托人（卖方委托人（卖方/出口商出口商/出票人

7、）出票人）2. The remitting (principals/sellers/exporters)bank 托收行（委托人托收行（委托人/卖方卖方/出口商的银行）出口商的银行）3. The collecting bank or presenting bank 代收行或提示行代收行或提示行4. The drawee ( buyer/importer) 受票人（买方受票人（买方/进口商）进口商）5. Representative in case of need 需要时的代理人需要时的代理人1. The “principal” who is the party entrusting the h

8、andling of a collection to a bank;2. The “remitting bank” which is the bank to which the principal has entrusted the handling of a collection;3. The “collecting bank” which is any bank, other than the remitting bank, involved in processing the collection;4. The “presenting bank” which is the collect

9、ing bank making presentation to the drawee.5. The “drawee” is the one to whom presentation is to be made in accordance with the collection instruction.Colleting BankRemitting BankPrincipalDraweeDocumentation;Collection orderDocuments;Collection instructionDocumentsCash payment;AcceptanceCollection o

10、rderCollection instructionRepresentative in case of need COLLECTION ORDERTO: Profixed “X”DRAFT NO. AMOUNT TENORDRAWN ON The following documents marks with letter“X” are attachedDeliver documents against payment Do not ProtestDeliver documents against acceptance Protest for Non-paymentAll collection

11、charge are for Non-acceptance account of drawee cable advice of M0-acceptance All collection charges are for Non-payment account of drawee Have proceeds remitted by cableAirmail expenses for forwarding Waive or do not waive charges documents for account of drawee if refuse by draweeAllow drawee disc

12、ount of US$.Interest to be collected at % p.a.from toIn case of need refer toCredit our account with proceeds. Special instructions: Your faithfully MISCELIANEOUSMAILRCTCTF OF ORIGININSCERTINVOICESComm.consu. B/LDATE We enclose for collection Please follow instruction1.Parties to collection(Full nam

13、e and address)当事人当事人2.Date, reference No.提交托收委托书时间及业务备查号提交托收委托书时间及业务备查号3.Draft(drawer,drawee, amount, tenor,date of issue)汇票汇票4.Documents(name, number)单据单据5.Instructions governing the operation:业务指示业务指示(1)Terms of release documents(D/P,D/A)交单条件交单条件(2)Store and insure clause是否需要存仓和保险是否需要存仓和保险(3)Bank

14、and other charges银行费用及其它费用由谁支付银行费用及其它费用由谁支付(4)About protest拒绝证书拒绝证书(拒付后拒付后,是否需做拒绝证书是否需做拒绝证书)(5)Advice of dishonor拒付通知拒付通知(拒付后拒付后,是否需发送拒付通知是否需发送拒付通知)(6)Prior presentation单据是否须预先提示单据是否须预先提示(还是货到后提还是货到后提 示示)(7)Case of need需要时的代理人需要时的代理人(是否需由其处理拒付后的事宜是否需由其处理拒付后的事宜)(8)Method of settlement(收款方式收款方式)A coll

15、ection order includesDeliver documents against payment /acceptance. Remit the proceeds by airmail/cable. Airmail/cable advice of payment /acceptance. Collect charges outsidefrom drawer/drawee. Collect interest for delay in paymentdays after sight at% P.A.交单条件交单条件托收收款指示托收收款指示付款付款/ /承兑后采用邮寄承兑后采用邮寄/ /电

16、报通知电报通知费用由出票人费用由出票人/ /付款人支付付款人支付迟付利息规定迟付利息规定 Airmail /cable advice of non-payment/non-acceptance with reasons. Protest for non-payment/non-acceptance. Protest waived. When accepted, please advise us giving due date. When collected, please credit our account with _.邮寄邮寄/ /电报传送退票通知电报传送退票通知发出拒绝证书发出拒绝证书

17、放弃拒绝证书放弃拒绝证书承兑后承兑后, ,通知到期日通知到期日票款收妥后票款收妥后, ,贷记托收行贷记托收行 Please collect and remit proceeds to _Bank for credit of our account with them under their advice to us. Please collect proceeds and authorize us by airmail/cable to debit your account with us.通过托收行的账户行收款通过托收行的账户行收款授权借记代收行账户授权借记代收行账户This collect

18、ion is subject to Uniform Rules for Collection . (1995 Revision)ICC Publication No. 522本业务根据本业务根据URC522URC522处理处理 BANK OF CHINA （出口托收委托书）（出口托收委托书）When corresponding HAIKOU,22,O3,93Please always quoteDear SirsWe send herewith the under mentioned items for collectionPlease follow instructions marked b

19、y”X”： Deliver documents against payment. All your charges to be born by DRAWEES. In case of non-payment/non-acceptance by cable/airmail, giving reasons and hole documents for our instructions. In case of a time bill, please advise us by CABLE the date of maturity after acceptance. Collect interest f

20、rom drawee at_ % p.a. from the date of maturity to the date of actual payment. _ For Bank of ChinaOc.977012346To:THE FIRST INTERSTATE BANK, LTD SAN FRANCISCO, USAORIGIN CERTCUSTOM INV.1/11/21/22/33/53/4B/LINS. POLWEIGHT CERT.INVOICEACCOMPANIED BYFOGO INC.1560 HUDSON AVE. SAN FRANCISCO, CA, 94124 USA

21、DRAWEEAMOUNTTENORDRAWERS NO.HAINAN INTERNATIONAL TRADING CO. HAIKOU, CHINADRAWER付款人付款人支付费支付费用用承兑承兑后通后通知到知到期日期日代收行代收行付款付款交单交单委托人委托人付款人付款人托收行托收行 中国建设银行中国建设银行 CHINA CONSTRUCTION BANK CHINA CONSTRUCTION BANK ( (第一联回单寄托收行）第一联回单寄托收行） OfficeOffice Address Address 进口托收单据通知书进口托收单据通知书 INWARD DOCUMENTS FOR COL

22、LECTIONINWARD DOCUMENTS FOR COLLECTION我行业务编号我行业务编号 日期日期Our Ref. No. DateOur Ref. No. DateWe acknowledged receipt of your collection item above mentioned and have dealt with it as follows(see Marked”X”: We have presented documents to the drawee as per your instructions. The collection has been paid a

23、nd proceeds have been remitted to your good bank as per instructions. Draft(s)accepted to mature on our bank charges, if any, would be for your account if refused by drawee. 中国建设银行中国建设银行 CHINA CONSTRUCTION BANK 银行印鉴银行印鉴 金额金额(Amount)发票号码发票号码 (Invoice No.) Date托收行托收行(Remitting Bank)Ref. No. Date委托人委托人

24、(Drawer)合同号码合同号码 (Contract)t)付款人付款人(Drawee)付款期限付款期限(Due on)汇票期限（汇票期限（Tenor)ACKNOWLEDGEMENT 中国建设银行中国建设银行 CHINA CONSTRUCTION BANK CHINA CONSTRUCTION BANK ( (第二联交代收行）第二联交代收行） OfficeOffice Address Address 进口托收单据通知书进口托收单据通知书 INWARD DOCUMENTS FOR COLLECTIONINWARD DOCUMENTS FOR COLLECTION我行业务编号我行业务编号 日期日期O

25、ur Ref. No. DateOur Ref. No. Date Deliver documents against payment. All your charges to be born by DRAWEES.Our banks charges are for your account.Remitting banks charges are for your account. 中国建设银行中国建设银行 CHINA CONSTRUCTION BANKCHINA CONSTRUCTION BANK 银行印鉴银行印鉴 金额金额(Amount)发票号码发票号码 (Invoice No.) Dat

26、e托收行托收行(Remitting Bank)Ref. No. Date委托人委托人(Drawer)合同号码合同号码 (Contract)t)付款人付款人(Drawee)付款期限付款期限(Due on)汇票期限（汇票期限（Tenor)DraftsBeneficial CertOriginCert.Quality Cert.Insurance PolicyAirway BillsOcean B/LCommercial InvoiceDocuments第一次寄第一次寄送的单据送的单据第二第二次寄次寄送的送的单据单据 中国建设银行中国建设银行 CHINA CONSTRUCTION BANK CHIN

27、A CONSTRUCTION BANK ( (第三联银行留底联）第三联银行留底联） OfficeOffice Address Address 进口托收单据通知书进口托收单据通知书 INWARD DOCUMENTS FOR COLLECTIONINWARD DOCUMENTS FOR COLLECTION我行业务编号我行业务编号 日期日期Our Ref. No. DateOur Ref. No. Date Deliver documents against payment. All your charges to be born by DRAWEES. Our banks charges are

28、 for your account. Remitting banks charges are for your account. 中国建设银行中国建设银行 CHINA CONSTRUCTION BANKCHINA CONSTRUCTION BANK 银行印鉴银行印鉴 金额(Amount)发票号码 (Invoice No.) Date托收行(Remitting Bank)Ref. No. Date委托人(Drawer)合同号码 (Contract)t)付款人(Drawee)付款期限(Due on)汇票期限（Tenor)DraftsBeneficial CertOriginCert.Quality

29、 Cert.Insurance PolicyAirway BillsOcean B/LCommercial InvoiceDocuments第一次寄第一次寄送的单据送的单据第二次寄第二次寄送的单据送的单据即期汇票即期汇票F For Tianjin Textiles Import and Export Corp. Tianjin Signature (Manager)远期汇票远期汇票For Tianjin Textiles Import and Export Corp., Tianjin Signature (Manager)Instructions for proceeds received

30、in the collection instruction The remitting bank has maintained an account with the collecting bank , When collected ,please credit our account with you under your cable/airmail advice to us. Remitting bankCollecting bankWhen collected ,please credit our account with you under your cable/airmail adv

31、ice to us.Open an accountInstructions for proceeds received in the collection instruction The collecting bank has maintained an account with the remitting bank , please collect the proceeds and authorize us by cable/airmail to debit your account with us. Remitting bankcollecting bankplease collect t

32、he proceeds and authorize us by cable/airmail to debit your account with us.Open an accountInstructions for proceeds received in the collection instruction The remitting bank has maintained an account with the X bank , please collect and remit the proceeds to X bank for credit of our account with wi

33、th them under their cable/airmail advice to us. Remitting bankCollecting bankplease collect and remit the proceeds to X bank for credit of our account with with them under their cable / airmail advice to us. X bankOpen an accountOpen an accountremittingbankpayeeprincipalShippingcompanycollecting ban

34、kS/C1.goods2.B/L5.collection instruction, documentary bill8.B/L9.goods10.cebit advice Collection Procedure11.makepayment4.receipt3.Collectioninstruction,documentarybill7.D/P,D/A6.PresentdocumentarybillFlow chart of documentary collectionexporter/principalCarrier2 B/LRemittingBankCollecting Bank6Pay1

35、0 Deliver goods8 Credit Advice or Debit AuthorizationHow to release documents? 1Deliver goods 9 Hand in B/Limporter/drawee5 Collection Orderor Instruction & docs.4Rept.3Documents andInstructions(Application)7 Release DocumentsD/A or D/P9 Pay4.1 Introduction概述概述4.1.3 Types of collection1. In terms of

36、 documents related *1) Documentary collection跟单托收跟单托收*2) Clean collection光票托收光票托收 3) Direct collection直接托收直接托收“Documents” means financial documents and /or commercial documents:“Financial Documents” means bills of exchange, promissory notes, cheques, or other similar instruments used for obtaining t

37、he payment of money.i.“Commercial Documents” means invoices, transport documents of title or other similar documents, or any other documents whatsoever, not being financial documents.(1) Documentary collection Collection on a. financial instruments being accompanied by commercial documents or;b. com

38、mercial documents without being accompanied by financial instruments. 跟单托收跟单托收a.a.附带附带商业单据商业单据的的金融单据金融单据项下的托收项下的托收b.不不 附有金融单据的附有金融单据的商业单据商业单据项下的托收项下的托收避免印花税避免印花税(2) Clean collection Collection on financial instruments without being accompanied by commercial documents.3) direct collectionBecause the

39、documents under direct collection are remitted by the seller directly to the collecting bank ,they are not routed through the remitting bank ,so direct collection is not incorporated in the URC No.522. ICC Publication No.550 says that the collection from attaching with the documents under direct col

40、lection must indicate that: (1) the collection is subject to URC No.522.and (2) the collection is to be treated by the collecting bank as through it was received from the remitting bank.4.1 Introduction概述概述4.1.3 Types of collection2. In terms of release of documents 交单条件不同交单条件不同1) Documents against

41、payment(D/P)付款交单付款交单2) Documents against acceptance(D/A)承兑交单承兑交单(1) Documents against payment(D/P)The collecting bank may release the documents only against full and immediate payment.代收行收到跟单汇票后，只有在受票人（付款人）代收行收到跟单汇票后，只有在受票人（付款人）付清款项时，才将货运单据交给受票人（付款人）付清款项时，才将货运单据交给受票人（付款人）的一种交单方式。的一种交单方式。a. Documents

42、 against payment at sight (D/P at sight) The collecting bank presents the sight draft to the buyer. When the buyer sees it he must pay the money at once, then he can get the shipping documents.指代收行提示跟单汇票（即期汇票）给受票人要求付款指代收行提示跟单汇票（即期汇票）给受票人要求付款时，受票人见票即付，代收行立即交出货运单据，并将时，受票人见票即付，代收行立即交出货运单据，并将货款交给托收行贷记委托

43、人账户。货款交给托收行贷记委托人账户。Procedure for D/P at sightCollectingbankPayermakes paymentDelivers documentsPresentoncepresents for paymentMakes payment at first,delivers documents at last.跟单托收的程序跟单托收的程序b. Acceptance against payment (Acceptance D/P)The collecting bank presents the usance draft to the buyer. Firs

44、t, he makes acceptance at once, and makes payment at maturity, then he can get the shipping documents.指代收行提示跟单汇票（远期汇票）给受票人要求承兑，受票指代收行提示跟单汇票（远期汇票）给受票人要求承兑，受票人承兑汇票后，单票仍退还给代收行，待付款到期日，代收行人承兑汇票后，单票仍退还给代收行，待付款到期日，代收行再向受票人做付款提示，待受票人付款后，代收行才交单给付再向受票人做付款提示，待受票人付款后，代收行才交单给付款人，并将货款交托收行贷记委托人账户。款人，并将货款交托收行贷记委托人账

45、户。 payerProcedure for D/P after xx daysacceptsMakes paymentDelivers documentsPresents for paymentPresenttwiceMakes payment at first,delivers documents at last.CollectingbankPresents for acceptance2) Documents against Acceptance(D/A)The presenting bank may release the documents to the buyer against t

46、he buyers acceptance of a draft, drawn payable 30-180 days after sight or due on a definite date.指代收行待受票人承兑完远期汇票后，收回汇票，立指代收行待受票人承兑完远期汇票后，收回汇票，立即将货运单据交给受票人，待汇票到期日向其提示汇即将货运单据交给受票人，待汇票到期日向其提示汇票，由受票人履行付款义务的一种交单方式。票，由受票人履行付款义务的一种交单方式。payerProcedure for D/AacceptsMakes paymentPresents for paymentCollectin

47、gbankPresenttwiceMakes acceptance at first,then gets the documents,delivers documents at last.Presents for acceptanceDelivers the documentsExercise:You have to distinguish the following three kinds of collections.Which type of collection (D/P or D/A) offers the greatest security to the exporter? 商业单

48、据的发放商业单据的发放: :承兑交单（承兑交单（D/AD/A）与付款交单（）与付款交单（D/PD/P）（1 1）如果托收包含有远期付款的汇票，则其指示不应要求付款才交付商业）如果托收包含有远期付款的汇票，则其指示不应要求付款才交付商业单据。单据。（2 2）如果托收包含有远期付款的汇票，托收指示应说明商业单据是凭承兑）如果托收包含有远期付款的汇票，托收指示应说明商业单据是凭承兑（D/AD/A）还是凭付款（）还是凭付款（D/PD/P）发放给付款人。）发放给付款人。 若无上述说明，商业单据只能是付款放单，而代收行对由于交付单据的任若无上述说明，商业单据只能是付款放单，而代收行对由于交付单据的任何延误

49、所产生的任何后果将不承担责任。何延误所产生的任何后果将不承担责任。（3 3）如果托收包含有远期付款的汇票，而且托收指示表明应凭付款发放商）如果托收包含有远期付款的汇票，而且托收指示表明应凭付款发放商业单据时，则单据只能凭该项付款才能发放，而代收行对由于交付单据的业单据时，则单据只能凭该项付款才能发放，而代收行对由于交付单据的任何延误所产生的任何结果将不承担责任。任何延误所产生的任何结果将不承担责任。How do you think about the above article?PrincipalexporterPayerimporterRemitting BankCollectingbank

50、instruction, documentary billdocumentsdocumentary billreimbursementreceiptS/CShippingcompanyApplication,documentary billGoodsB/LmakepaymentD/P、D/AB/LGoodsOutwardcollectionInwardcollection4.2 Documentary Collection Practice跟单托收操作跟单托收操作The importer and exporter sign the S/C, select collection method;

51、The exporter ships the goods and gets the B/L, prepare the other documentsThe exporter fills out the application and presents the documentary bill to the remitting bankThe exporter receives the receiptThe remitting bank airmails collection instruction and documentary bill to collecting bankThe remit

52、ting bank receives the credit advcie from the collecting bankThe remitting bank cebits the exporters account. Outward collection procedureOutward collection procedure The collecting bank check the instruction and documentary billThe collecting bank presents the documentary bill to the payerThe payer

53、 makes payment/acceptanceThe collecting bank delivers the documents to the payerThe colleting bank sends credit advice to the remitting bankInward collection procedureInward collection procedure 4.2.1 Outward Collection 出口托收出口托收A bank acting as the remitting bank sends the draft drawn against an exp

54、ort with shipping documents attached, to an appropriate overseas bank, namely, the collecting bank, to get the payment or acceptance from the importer.4.2 Documentary Collection Practice托托收收行行的的处处理理委托人名称、地址、有权签字人印章委托人名称、地址、有权签字人印章 付款人名称、地址，开户行名称、地址、账号付款人名称、地址，开户行名称、地址、账号 托收所附单据名称、详细分类及份数托收所附单据名称、详细分

55、类及份数 托收交单方式（托收交单方式（D/P,D/AD/P,D/A） 收账要求收账要求 拒付时采取的措施拒付时采取的措施 费用问题费用问题 其它要求其它要求 罚息和贴息的规定罚息和贴息的规定 需要时的代理人需要时的代理人 D/PD/P下，是否允许分批付款，下，是否允许分批付款，分批提货分批提货 D/AD/A下，是否需要通知到期下，是否需要通知到期日日, ,是否由代收行保管单据是否由代收行保管单据 是否需作拒绝证书是否需作拒绝证书 是否委托代收行代为存仓或保险是否委托代收行代为存仓或保险 1.审核托收审核托收委托书委托书2.提交相关文件提交相关文件3.选择代收行选择代收行4.档案管理档案管理 5

56、.结汇与收费结汇与收费 工商营业执照（副本）原件工商营业执照（副本）原件 进出口业务营业许可证进出口业务营业许可证 法定代表人授权书法定代表人授权书 4.2.2 Inward Collection 进口代收进口代收A bank acting as the collecting bank receives the draft with or without shipping documents attached as well as the instructions from a bank abroad, namely, the remitting bank.4.2 Documentary Co

57、llection Practice代代收收行行的的处处理理1.1.核对托收指示的真实性核对托收指示的真实性2.2.核对单据名称、份数是否与托收指示中注明的一致核对单据名称、份数是否与托收指示中注明的一致 3.3.核对托收指示条款核对托收指示条款4.4.及时将拒付情况和拒付理由通知托收行及时将拒付情况和拒付理由通知托收行 密押密押印鉴印鉴5. 5. 按托收委托书指示的路线、按托收委托书指示的路线、账户银行账号拨交收妥款项账户银行账号拨交收妥款项进口代收来单通知书进口代收来单通知书 向托收行电讯查询相关内容向托收行电讯查询相关内容 1.Exporter (Seller)The exporter s

58、hips his or her goods and prepares his or her export documents. 2.Exporters Bank The exporter completes an exporter collection form from his or her bank (see Useful Forms page) and sends the export documents to the bank together with a Bill of Exchange (Time Draft) demanding payment from the importe

59、r (Buyer) at a future date. 3.Importers Bank The exporters bank sends the export documents together with the Bill of Exchange, to the importers bank to be released to the importer against their acceptance of the Bill of Exchange. 4.Importer The importers bank approaches the importer to accept the Bi

60、ll of Exchange. The importers bank may not release the export documents to the importer until he or she has accepted the Bill of Exchange. 5.Importer The importer accepts the Bill of Exchange and returns it to his or her bank. 6.Importers Bank Upon receipt of the accepted Bill of Exchange, the impor