花旗环球汇票操作规程

1、附件：中国农业银行环球汇票业务操作规程（试行）第一章 总 则第一条 为保证我行环球汇票业务的顺利开展，根据中国人民银行、国家外汇管理局和中国农业银行外汇汇款业务操作规程等我行规章制度，特制定本操作规程。第二条 环球汇票业务属于我行国际票汇业务，包括汇出、挂失、止付等业务环节。该业务使用票据由花旗银行提供，包括美元、加元和多币种三类票据，支持美元、日元、欧元、英镑、澳大利亚元、丹麦克朗、瑞士法郎、瑞典克朗、新加坡元、加拿大元、港币等外汇币种，通过花旗银行分支机构或指定银行进行解付，具有方便、快捷的“本地支票”特性，收款人开户银行收到票据后可通过当地支票清算系统实现收款。环球汇票采用了化学感光纸、

2、MICR（磁墨水字符辨识）、荧光墨水、金属丝等技术，有较高防伪性。第三条 环球汇票出票行可为一级支行、二级分行（含一级分行营业部）或一级分行。第二章 业务处理流程第四条 经办行办理环球汇票业务主要包括以下环节：环球汇票的管理与核算、受理汇出申请、落实票汇资金、系统录入、缮制汇票、缮制业务报文、撤销与挂失、业务归档、会计核算、国际收支申报、大额和可疑外汇资金交易报告等。第一节 环球汇票的管理与核算第五条 环球汇票作为重要空白凭证，应按照我行重要空白凭证有关管理规定调入、调出、使用和销毁，不得预签空白的环球汇票。第二节 受理汇出申请第六条 客户申请办理环球汇票汇出业务，须填妥一式四联境外汇款申请书

3、，经办行对业务申请的审核要点如下：（一）汇款方式为票汇（D/D）；（二）汇款币种及金额准确无误（包括货币符号和大小写）；（三）汇款人名称、账号、详细地址、联系电话等信息填写齐全；（四）收款人英文名称和收款国家准确无误；（五）汇款人签章清楚、合规（个人客户须由汇款人本人签字、并与客户有效身份证件核对一致，机构客户的签章须与其在我行的预留印鉴相符）；（六）收款人开户银行、代理行信息无需填写。第七条 汇出汇款应按照国家外汇管理中有关付汇的规定，区分机构客户和个人客户，经常项目（经营性、非经营性）和资本项目，对汇款人凭以付汇的有效单证进行真实性和表面一致性审核，审核无误后方予办理。第三节 落实票汇资金

4、第八条 为客户办理环球汇票汇出业务应遵循“先扣款，后汇出”的原则。汇款资金按照来源划分，可分为以下四种:（一）现汇账户直接支付。经办行应核实汇款人的现汇账户余额是否足以支付该笔汇款。（二）人民币购汇后支付。经办行应根据国家外汇管理局及总行的有关规定办理。（三）不同币种套算后支付。汇款人要求汇出与其外汇账户币种不同的汇款时，经办行需核实汇款人原币账户余额是否足以支付该笔汇款，进行外汇买卖账务处理。（四）个人客户交存外汇现钞或以外汇现钞户存款办理汇款时，应按我行即时挂牌汇率办理现钞转现汇手续。第九条 审核无误后，核印人员加具签章证实印鉴相符，由经办、复核和审批人员签章，加盖业务章后将境外汇款申请书

5、（申报主体留存联）退汇款人，两联境外汇款申请书（银行留存联）分别作为业务档案和会计传票附件，境外汇款申请书（外汇局留存联）作为国际收支申报资料。第十条 经办行向汇款人收取汇款手续费。第四节 系统录入与缮制汇票第十一条 经办行在相关业务处理系统中录入汇款方式、币种、金额、汇款人名称、收款人名称等有关要素，经确认后，系统自动生成汇出汇款业务记录。第十二条 缮制环球汇票。（一）环球汇票格式要求：1、出票日期（DATE）。加元汇票日期格式为“年月日”（YYYYMMDD）；美元汇票和多币种汇票的日期栏中“月”和“日”不能同时以阿拉伯数字表示，以出票日期2009年1月1日为例，应在日期划线处填写“JANU

6、ARY 1，2009”或“JAN.1, 2009”。2、收款人名称（PAY AGAINST THIS CHECK TO）。按境外汇款申请书上的收款人名称以大写英文填写，前后加具“”，以收款人为MICHAEL ZHAO为例，应填写为“MICHAEL ZHAO”。3、汇款币种和小写金额（AMOUNT）。应严格按境外汇款申请书上的汇款币种和金额填写。因美元汇票和加元汇票已印有货币代码“U.S.$”和“$”，故在货币代码后直接填写小写金额即可；在多币种汇票中该栏需填写汇款币种及小写金额，以3万欧元为例，应填写为“EUR30,000.00”。4、汇款币种大写金额（THE SUM OF）。应严格按境外汇款

7、申请书上的汇款币种和金额填写，以汇款3万欧元为例，应在多币种汇票上填写 “EURO THIRTY THOUSAND ONLY”；以汇款3万加元为例，应在加元汇票上填写“CANADIAN DOLLARS THIRTY THOUSAND ONLY”。因美元汇票已印有“U.S.DOLLARS”，“THE SUM OF”后划线处只需填写大写金额即可。5、解付银行及地址（PAYABLE AT）。美元汇票和加元汇票已提前印有相应的解付银行，无需另行填写；多币种票该栏应填写相应汇款币种的解付银行及地址（见附件1）。6、有权签字人签字（AUTHORIZED SIGNATURES）。出票行相关签字人在右下角签字

8、处加具签字。（二） 缮制汇票时应严格依据境外汇款申请书的内容和环球汇票格式要求开立，并应注意以下要点：1、收款人名称应与汇款申请书上的收款人名称一致；2、币种及金额大小写必须正确一致；3、汇票所有内容（除对外签字人签字外）用英文填写；4、汇票币种一般应与收款国家相对应；5、美元、加元和多币种票之间不得混用；6、汇票干净、整洁，内容不得更改；7、除对外签字人签字外，汇票上的其它要素原则上均应打印完成。（三）出票行可通过以下方式之一对外签发环球汇票：1、由我行签字样本有权签字人在其权限内按相关规定签发，并注明签字号码。2、由经办行运营主管或营业机构负责人在环球汇票签字处签字后，经该行业务主管副行长

9、或行长按B类有权签字人权限对外签发。目前B类有权签字人签发汇票权限为5万美元或等值币种（含）。第十三条 环球汇票签发后，第一联正本和第三联副本（加元票为第二联）交汇款人，第二联（加元票为第三联）经汇款人签字确认后留底作为会计记账依据。第五节 缮制业务报文第十四条 经办行在签发环球汇票当日向花旗银行（SWIFT 代码为CITIUS33BUF）发送SWIFT MT110报文，通知花旗银行所签发环球汇票的号码、出票日期、票面金额、收款人等内容，并通过上级行向总行外汇清算中心发送SWIFT MT202报文，通知总行外汇清算中心按花旗银行要求将外汇头寸划拨至相应银行（各外汇币种的清算路径详见附件2）。对

10、于当天开出的环球汇票，原则上于当日向总行清算中心发送SWIFT MT202报文。第十五条 经办行须在完成本级行环球汇票业务操作后及时在业务系统查询，核实本笔业务的处理状态，确保上级行已处理该笔汇款业务，保证账实相符、内外账务相符。第六节 业务撤销与挂失第十六条 环球汇票签发后不得进行修改。第十七条 环球汇票签发后撤销。（一）汇款人需填写汇出汇款撤销申请书，列明撤销理由，个人客户出示有效身份证件并签字，机构客户加盖预留印鉴；（二）经办行将汇票正本与汇票留底联进行核对，确认一致后予以收回，并在汇出汇款撤销申请书标注“已收回汇票正本”，妥善保管汇票正本；（三）向汇款人收取撤销费用（也可在退回的余款中

11、扣收）后，即向花旗银行（SWIFT代码为CITIUS33BUF）发送SWIFT MT111和MT199报文要求注销该笔汇票并告知退汇路径(退汇路径中涉及总行选择的账户行需向总行查询)。（四）经办行必须在收到花旗银行止付生效的确认报文（SWIFT MT112）和退回的汇款头寸后，将余款退汇款人，并在汇票正面加盖“注销”或“未用退回”戳记，按我行相关规定保管、销毁。第十八条 环球汇票签发后挂失。（一）汇款人需填写汇出汇款撤销申请书，列明汇票遗失的时间和事由、汇票细节（包括汇票号码、币种金额、出票日期、收款人名称等），并注明“如果申请挂失的汇票已解付且收款人拒绝退回的，贵行不承担任何责任”等字样；个

12、人客户出示有效身份证件并签字，机构客户加盖预留印鉴；（二）经办行核对签章和汇票留底联无误并收取有关费用后，即向花旗银行（SWIFT代码为CITIUS33BUF）发送SWIFT MT111和MT199报文要求挂失止付该笔汇票并告知退汇路径(退汇路径中涉及总行选择的账户行需向总行查询)；（三）经办行必须在收到花旗银行止付生效的确认报文（SWIFT MT112）和退回的汇款头寸后，将余款退汇款人，并在汇票留底联上批注“已挂失”字样。第七节 其 他第十九条 环球汇票业务项下向个人客户收取的手续费计入“对私跨境汇出汇款业务收入”账户，向对公客户收取的手续费计入“对公跨境汇出汇款业务收入”账户。第二十条

13、环球汇票业务的材料归档、会计核算、国际收支申报、大额和可疑外汇资金交易报告等均按中国人民银行、国家外汇管理局和总行相关规章制度执行。第三章 附则第二十一条 本规程自印发之日起生效，试行期限为2年。第二十二条 本规程由总行负责制定和修改。第二十三条 本规程与中国农业银行外汇汇款业务操作规程中票汇业务内容不一致的，以本规程为准。第二十四条 本规程未尽事宜，按中国人民银行、国家外汇管理局和总行相关规定办理。附件：1.1 环球汇票业务各币种解付银行及地址1.2 环球汇票业务各币种清算路径1.3 相关SWIFT报文范例附件1.1：环球汇票业务各币种解付银行及地址Country Currency Code

14、 Payable At Issuing Restrictions and Special Information Australia Dollar (AUD) ANZ Bank, Melbourne, AustraliaCorrect Acct Services, 282202AUD00001 The statement “This item must be presented to drawee for final payment” must appear at the top of the check. The software prints this statement on the c

15、heck. AUD-specific check stock is available. Austria European Monetary Unit (EUR) Citibank International, plc Austria Branch (Vienna) For CRS A/C 781046-027 The statement “All charges for beneficiary” must appear at the top of the check. Local banks may charge beneficiaries a fee for accepting check

16、s. Belgium European Monetary Unit (EUR) Citibank International, plc Brussels Branch For CRS A/C 570-8020855-80 Local banks may charge beneficiaries a fee for accepting checks. For euro payments to beneficiaries in Luxembourg use the Belgium payable at address. Canada Dollar (CAD) Citibank Canada 123

17、 Front St. W. Tor, Ont M5J 2M3 A/C 2183509007 Transit No. 00082-260 Checks valued for 10,000 Canadian dollar and above (or its foreign currency equivalent) that are endorsed or are in bearer form (payable to Bearer or Cash or the payee is left blank) must be reported to Canadian Customs when being i

18、mported or exported into Canada. Failure to report such instruments may result in their seizure and possible penalties and forfeiture. For further information and to obtain the required reporting forms visit the Canadian Customs and Revenue Agency Web site at: www.cra-arc.gc.caCAD-specific check sto

19、ck is available. There are no facilities for the encashment of items. Any requests made to Citibank Canada will be refused. Denmark Krone (DKK) Citibank International, plcDenmark Branch For CRS Account 811160 016 There are no facilities for the encashment of items. Any requests made to Citibank Denm

20、ark will be refused. Finland European Monetary Unit (EUR) OKO BANK (Helsinki, Finland) Osuuspankkien Keskuspankki Oyj For Citibank Europe plc Organizations located in Finland cannot issue on-site checks to other organizations located in Finland. France European Monetary Unit (EUR) Citibank, Internat

21、ional plc Paris For CRS A/C 0141674048 Germany European Monetary Unit (EUR) Zahlbar bei Citigroup Global Markets Deutschland AG & CO. KGAA 60323 Frankfurt, Germany Local banks may charge beneficiaries a fee for accepting checks. There are no facilities for the encashment of items. Any requests m

22、ade to Citibank Frankfurt will be refused. Greece European Monetary Unit (EUR) Citibank, N.A. (Athens) For CRS A/C 0984632517 Hong Kong Dollar (HKD) Citibank, N.A. (Hong Kong) For CRS A/C 08889759 HKD-specific check stock is available. Ireland European Monetary Unit (EUR) Citibank Europe plc(Ireland

23、 Branch) Sort 99-00-52 For CRS A/C 4944-038 Italy European Monetary Unit (EUR) Citibank, N.A. (Milan) For CRS A/C 4/107116/023 Local banks may charge beneficiaries a fee for accepting checks. At minimum, the drawer's name (issuing company) must be printed just below the Drawer Line on the check.

24、 Italian regulations require special treatment of euro checks payable in Italy that meet the following conditions: The check amount regardless of currency is over 10,000 EUR equivalent and The beneficiary is in Italy. Checks meeting these conditions must contain the full name of the beneficiary and

25、have the term "Non Transferable" printed either on the face (anywhere but the upper left-hand corner) or on the back of the check above the endorsement line. Even when these provisions are not adhered to, the check will be processed by the Italian clearing system and the beneficiary will b

26、e entitled to payment. However, Italian authorities can apply the following administrative sanctions: For checks issued by an Italian resident, regardless of the currency, the issuer can be fined by Italian authorities up to 40% of the face value of the check for failure to comply with this law. For

27、 checks issued by a non-resident of Italy to a beneficiary in Italy, the beneficiary can be fined by Italian authorities up to 40% of the face value of the check for the issuer's failure to comply with this law. To help deter fraud, Citibank recommends that you add the term "Non Transferabl

28、e" to all euro checks payable in Italy. There are no facilities for the encashment of items. Any requests made to Citibank Milan will be refused. Japan Yen (JPY) Citibank Japan Ltd For CRS A/C 0-221704-401 Issuers residing in Japan may not issue Japanese yen checks that leave the country. Local

29、 banks may charge beneficiaries a fee for accepting yen out-of-town checks. The amount on a Japanese yen check does not include a decimal portion. Luxemburg European Monetary Unit (EUR) If the beneficiary is located in Luxemburg, use the Belgium Payable At and Issuing Restrictions If the beneficiary

30、 is located in Luxemburg, use the Belgium Payable At and Issuing Restrictions. Portugal European Monetary Unit (EUR) Citibank International plc Sucursal em Portugal For CRS A/C 0-801001-017 The Central Bank has imposed an incremental clearing fee for all non-standard items. Citibank reserves the rig

31、ht to recover this fee from your organization for each item. For additional information, contact your Citibank Representative. There are no facilities for the encashment of items. Any requests made to Citibank Portugal will be refused. Singapore Dollar (SGD) Citibank, N.A. (Singapore) For CRS A/C 07

32、00478009 If you mark a Singapore dollar check “NON-TRANSFERABLE,” you and/or your beneficiary may be assessed a fee. SGD-specific check stock is available. Slovenia European Monetary Unit (EUR) If the beneficiary is located in Slovenia, use the Germany Payable At and Issuing Restrictions If the bene

33、ficiary is located in Slovenia, use the Germany Payable At and Issuing Restrictions. Spain European Monetary Unit (EUR) Citibank, International plc Spain Jose Ortega y Gassett 29 Madrid For CRS A/C 14740000140008179018 The Central Bank has imposed an incremental clearing fee for all non-standard ite

34、ms. Citibank reserves the right to recover this fee from your organization for each item. For additional information, contact your Citibank Representative. Local banks may charge beneficiaries a fee for accepting checks. There are no facilities for the encashment of items. Any requests made to Citib

35、ank Spain will be refused. Sweden Krona (SEK) Citibank International, plc Sweden Branch (Stockholm) For CRS Account Only organizations located outside Sweden can issue on-site checks in Swedish Krona. In accordance with Swedish banking practices, a payable-at bank may elect not to honor a Swedish Kr

36、ona check presented for payment later than six months after its date of issuance. There are no facilities for the encashment of items. Any requests made to Citibank Stockholm will be refused. SwitzerlandFranc (CHF)Citibank, N.A. (Zurich) For CRS A/C 800112United Kingdom Pound Sterling (GBP) Citibank

37、, CRS Account Canada Square, Canary Wharf London E14 5LB, Sort 08-60-71 GBP-specific check stock is available. United States Dollar (USD) Citibank, N.A.New Castle, DEABA 031100209 USD-specific check stock is available. 附件1.2：环球汇票业务各币种清算路径Funding Currency CCY Code/ EURO Country Funding Location Remit

38、tance Account Name and Number Australian Dollar AUD Australia & New Zealand Banking Group SWIFT/BIC Identifier Code: ANZBAU3M Citibank Europe plc282202AUD00001Canadian Dollar CAD Citibank Canada SWIFT/BIC Identifier Code: CITICATT Citibank Europe plc 2183509007 Danish Krone DKK Citibank Internat

39、ional, plc Denmark Branch SWIFT/BIC Identifier Code: CITIDKKX Citibank Europe plc 811160 016 Euro EUR London Citibank, N.A. (London) SWIFT/BIC Identifier Code: CITIGB2L Citibank Europe plc IBAN: GB47CITI18500805512654 Euro Austria Citibank International, plc Austria Branch (Vienna) SWIFT/BIC Identif

40、ier Code: CITIATWX Citibank Europe plc IBAN: AT561814000781046027 Euro Belgium Citibank International, plc Brussels Branch SWIFT/BIC Identifier Code: CITIBEBX Citibank Europe plc IBAN: BE47570802085580 Euro Cyprus Bank of Cyprus SWIFT/BIC Identifier Code: BCYPCY2N Citibank Europe plc IBAN: CY7300200

41、1430000005000088800 Euro Finland Okobank (Helsinki, Finland) SWIFT/BIC Identifier Code: OKOYFIHH Citibank Europe plc IBAN: FI3759311110000214 Euro France Citibank International, plc (Paris) SWIFT/BIC Identifier Code: CITIFRPP Code Banque: 11689 Code guichet: 00700 Clé RIB: 20 Citibank Europe pl

42、c IBAN: FR7611689007000014167404820 Euro Germany Citigroup Global Markets SWIFT/BIC Identifier Code: CITIDEFF BLZ: 50210900 Citibank Europe plc IBAN: DE59502109004120060029 Euro Greece Citibank, N.A. (Athens) SWIFT/BIC Identifier Code: CITIGRAA Citibank Europe plc IBAN: GR9108400010000000984632517 E

43、uro Ireland Citibank Europe plc (Ireland Branch) SWIFT/BIC Identifier Code: CITIIE2X Citibank Europe plc IBAN: IE88CITI99005104944038 Euro Italy Citibank, N.A. (Milan) SWIFT/BIC Identifier Code: CITIITMX Citibank Europe plc IBAN: IT42K0356601600004107116023 Euro Malta Bank of Valletta, plc SWIFT/BIC

44、 Identifier Code: VALLMTMT Citibank Europe plc 10422447011 Euro Netherlands Citibank, International plc (Netherlands Branch) SWIFT/BIC Identifier Code: CITINL2X Citibank Europe plc IBAN: NL37CITI0266099971 Euro Portugal Citibank International, plc Sucursal em Portugal SWIFT/BIC Identifier Code: CITI

45、PTPX Citibank Europe plc IBAN: PT50016900010080100101731 Euro Slovenia Citibank, N.A. (London) SWIFT/BIC Identifier Code: CITIGB2L Citibank Europe plc IBAN: GB47CITI18500805512654 Euro Spain Citibank International plc, Spain SWIFT/BIC Identifier Code: CITIESMX Citibank Europe plc IBAN: ES12147400001

46、40008179018 Hong Kong Dollar HKD Citibank, N.A. (Hong Kong) SWIFT/BIC Identifier Code: CITIHKHX Citibank Europe plc 08889759 Japanese Yen JPY Citibank Japan SWIFT/BIC Identifier Code: CITIJPJT Citibank Europe plc 0221704401 Singapore Dollar SGD Citibank, N.A. (Singapore) SWIFT/BIC Identifier Code: C

47、ITISGSG Citibank Europe plc 0700478009 Swedish Krona SEK Citibank International, plc Sweden Branch (Stockholm) SWIFT/BIC Identifier Code: CITISESX Citibank Europe plc IBAN: SE1190400000090405000016 Swiss Franc CHF Citibank, N.A. London SWIFT/BIC Identifier Code: CITIGB2L BC Code: 89095 Citibank Euro

48、pe plc 800112 U.K. Pound Sterling GBP Citibank, N.A. (London) U.K. Sort Code: CHAPS settlement via 18-50-08 SWIFT/BIC Identifier Code: CITIGB2L Citibank Europe plc 607363 U.S. Dollar USD Citibank, N.A. (New York) FW021000089 New York City, N.Y. SWIFT/BIC Identifier Code: CITIUS33 Citibank Ireland FinancialService, PLC40523666 附件1.3：相关SWIFT报文范例一、MT110报文范例（一）通知单笔环球汇票开立信息报文TO：CITIUS33BUF FROM：ABOCCNBJXXX:20:XXXDD090206 (transaction reference number):21:123456789 (check number):30:090206 (issue date,YYMMDD):32B:GBP23,00 (currency code and amount):5