Revision-国际结算-教学课件-Review

RevisionRevision11.3.CourseOverview1.3.CourseOverview2ChapterFourInternationalBankRemittance国际银行汇兑ChapterFourInternationalBank3Whathavewelearnt?1)Methods方法Partiesandprocedures当事人,程序AdvantageanddisadvantageReimbursement偿付Function:PaymentinadvanceopenaccountWhathavewelearnt?1)Method4RemittingBank(汇出行)

PayingBank(汇入行)

Remitter(汇款人)Payee/Beneficiary(收款人)2)PartiesandproceduresRemittingBankPayingRemitterPa5

5.Reimbursementclaim

3.PaymentorderRemitterRemittingbankPayeePayingbank１．Written

application

2.Debitadvice4.FundsT/T&M/T5.Reimbursementc6

7.Debitadvice

3.D/DadviceRemitterRemittingbankPayeePayingbank１．D/D

application

2.Banksightdraft6.Payment4.BanksightDraft5.Banksightdraft7.DebitadviceRemi73)AdvantageandDisadvantageAdvantage:ForT/T:Fastest,safeforlargeamountForM/T:reliableForD/D:payingsmallamount,negotiable,endorsement3)AdvantageandDisadvantage8Disadvantage

ForT/T:expensive,notificationawaitedForM/T:delayorlostinthepost,slowerthanT/T,notificationawaitedForD/D:slow,possibletobelostDisadvantage

ForT/T:expensi9

4)ReimbursementofRemittanceCover(头寸)汇款的偿付1.Creditingvostroaccountofpayingbank贷记汇入行的来账

4)ReimbursementofRemittance10

RemittingbankPayingbankIncoverwehavecreditedyouraccountwithus.USDaccount

11

2.Debitingremittingbank’snostroaccount借记汇出行的来账2.Debitingremittingbank’s12

RemittingbankPayingbankIncover,pleasedebitouraccountwithyouGBPaccount

13

3.Instructingareimbursingbanktoeffectpaymentbydebitingtheremittingbank’snostroaccount

通知偿付行通过借记汇出行的账户付款3.Instructingareimbursi14

RemittingbankPayingbankIncoverwehaveauthorizedXYZBank,NewYorktodebitouraccountandcredityouraccountwiththem.

XYZ

bankOpenUSDaccountOpenUSDaccount

15

4.Instructingthepayingbanktoclaimreimbursementfromanotherbranchofthesamebankoranotherbankwithwhichtheremittingbankopensanaccount.Incover,pleaseclaimontheBankofTokyo,NewYork.作为偿付4.Instructingthepayingban165.Accordingtothepaymentsagreementbetweentwocountries汇款双方国家签署有关支付协定，并建立清算账户

5.Accordingtothepaymentsag17

Incover,youareauthorizedtodebitourCentralBank’sclearingaccountwithyourCentralbank.Incover,youareauthor18FunctionofRemittancePaymentinAdvance:AlwaysdownpaymentOpenaccount:bewellacquaintedwiththefinancialstatusofthebuyer

FunctionofRemittancePaymen19ChapterFiveCollection托收结算方式ChapterFiveCollection托收结算方式20Inthischapter,youwilllearn•Definition•Partiesofcollection•Typesofcollection

•Procedureofcollection•Outwardandinwardcollection•Riskprotectionandfinancingundercollectionmethods•URC522(UniformCustomsforCollection)托收统一规则documentary/cleancollection跟单/光票托收D/P,D/A付款交单,承兑交单Inthischapter,youwilllear215.1Introduction概述5.1.1Whatisacollection?I.Collectionisanarrangementwherebythegoodsareshippedandarelevantbillofexchangeisdrawnbytheselleronthebuyer,and/orshippingdocumentsareforwardedtotheseller’sbankwithclearinstructionsforcollectionthroughoneofitscorrespondentbanklocatedinthedomicileofthebuyer.FinancialinstrumentCommercialDocuments5.1Introduction概述5.1.1Whati22托收托收是这样一种安排,即出口商在货物装运后,开出以进口商为付款人的相关汇票,将汇票和(或)货运单据连同其明确的托收指示交给出口地银行,委托出口地银行通过其在进口商所在地的往来银行向进口商收取货款.托收托收是这样一种安排,即出口商在货物装运后,开出以进235.1Introduction概述5.1.2Partiestotheoperationofcollections当事人1.Theprincipal(seller/exporter/drawer)委托人（卖方/出口商/出票人）2.Theremitting(principal’s/seller’s/exporter’s)bank托收行（委托人/卖方/出口商的银行）3.Thecollectingbankorpresentingbank代收行或提示行4.Thedrawee(buyer/importer)受票人（买方/进口商）5.Representativeincaseofneed需要时的代理人5.1Introduction概述5.1.2Partie24ColletingBank代收行RemittingBank托收行PrincipalDraweeDocumentation;CollectionorderDocuments;CollectioninstructionDocumentsCashpayment;AcceptanceCollectionorderCollectioninstructionRepresentativeincaseofneedNon-acceptanceNon-paymentColletingBankRemittingBankPr25URC522,Article2

PartiestoaCollectiona.就本规则各项条款而言，托收当事人有：

i.委托人，即委托银行办理托收的当事人；

ii.托收行，即委托人委托办理托收的银行；

iii.代收行，即除托收行以外的任何参与处理托收业务的任何银行；

iv.提示行，即向付款人提示单据的代收行。

v.付款人，即根据托收指示向其提示单据的人。URC522,Article2

Partiestoa265.1Introduction概述5.1.3Typesofcollection1.Intermsofdocumentsrelated

*1)Documentarycollection跟单托收*2)Cleancollection光票托收3)Directcollection直接托收5.1Introduction概述5.1.3Types27单据是指金融单据及/或商业单据a.金融单据是指汇票、本票、支票或其他类似的可用于取得款项支付的凭证；b.商业单据是指发票、运输单据、所有权单据或其他类似的单据，或者不属于金融单据的任何其他单据。

单据是指金融单据及/或商业单据28(1)Documentarycollection

跟单托收Collectionona.financialinstrumentsbeingaccompaniedbycommercialdocumentsor;附带商业单据的金融单据项下的托收mercialdocumentswithoutbeingaccompaniedbyfinancialinstruments.不附有金融单据的商业单据项下的托收(1)Documentarycollection

29托收行付款人委托人运输公司代收行合同1.货物2.提单3.托收委托书跟单汇票4.回执5.托收指示;跟单汇票6.提示跟单汇票7.D/P或D/A8.提单9.交货10.收妥贷记通知11.付款

跟单托收业务流程托收行付款人委托人运输公司代收行合同1.货物2.提单3.托收30(2)Cleancollection光票托收Collectiononfinancialinstrumentwithoutbeingaccompaniedbycommercialdocuments.Open-accountoronconsignment赊销寄售(2)Cleancollection光票托收Col31ColletingBank代收行PrincipalDraweeDocumentationCollectioninstrumentDocumentsCashpayment;Acceptance3)directcollectionColletingBankPrincipalDraweeD323)directcollectionBecausethedocumentsunderdirectcollectionareremittedbythesellerdirectlytothecollectingbank,theyarenotroutedthroughtheremittingbank,sodirectcollectionisnotincorporatedintheURCNo.5223)directcollectionBecause335.1Introduction概述5.1.3Typesofcollection2.Intermsofreleaseofdocuments交单条件不同1)Documentsagainstpayment(D/P)付款交单2)Documentsagainstacceptance(D/A)承兑交单5.1Introduction概述5.1.3Types34D/Pcanbedividedintotwokinds:1)Documentsagainstpaymentatsight(D/Patsight)即期付款交单2)Acceptanceagainstpayment(AcceptanceD/P)远期付款交单D/Pcanbedividedintotwoki35(1)Documentsagainstpayment(D/P)付款交单Thecollectingbankmayreleasethedocumentsonlyagainstfullandimmediate

payment.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）的一种交单方式。(1)Documentsagainstpayment(36a.Documentsagainstpaymentatsight(D/Patsight)

即期付款交单Thecollectingbankpresentsthesightdrafttothebuyer.Whenthebuyerseesithemustpaythemoneyatonce,thenhecangettheshippingdocuments.a.Documentsagainstpaymenta37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，并将货款交给托收行贷记委托人账户。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38ProcedureforD/Patsight

代收行付款人即期提示即期付款即期交单即期汇票一次提示先付款,后交单ProcedureforD/Patsight39b.Acceptanceagainstpayment(AcceptanceD/P)远期付款交单Thecollectingbankpresentstheusancedrafttothebuyer.First,hemakesacceptanceatonce,andmakespaymentatmaturity,thenhecangettheshippingdocuments.b.Acceptanceagainstpayment(40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。指代收行提示跟单汇票（远期汇票）给受票人41ProcedureforD/Pafterxxdays

*代收行付款人即期承兑即期提示承兑远期付款远期交单远期提示付款远期汇票两次提示先付款,后交单ProcedureforD/Pafterxxday422)DocumentsagainstAcceptance(D/A)承兑交单Thepresentingbankmayreleasethedocumentstothebuyeragainstthebuyer’sacceptanceofadraft,drawnpayable30-180daysaftersightordueonadefinitedate.指代收行待受票人承兑完远期汇票后，收回汇票，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。2)DocumentsagainstAcceptanc43代收行付款人ProcedureforD/A即期提示承兑即期承兑远期付款即期交单远期提示付款远期汇票两次提示先承兑,后交单,远期付款代付ProcedureforD/A即期提示承兑即期承兑远44URC522,Article7

商业单据的发放:承兑交单（D/A）与付款交单（D/P）

（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单据。

（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（D/A）还是凭付款（D/P）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何延误所产生的任何后果将不承担责任。

（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。URC522,Article7商业单据的发放:承兑45出口商委托人进口商付款人托收行代收行⑤托收指示、跟单汇票⑧交单⑥提示跟单汇票⑪偿付（贷记通知书）④回执合同运输公司③托跟收单委汇托票书、①货物②提单⑫付款⑦D/P、D/A⑨提单⑩货物出口托收进口代收①②③④⑤⑪⑫⑥⑦⑧⑨⑩⑤4)DocumentaryCollectionPractice跟单托收操作实验书P46出口商进口商托收行代收行⑤托收指示、跟单汇票⑧⑥提示跟单汇票46OutwardCollection出口托收Abankactingastheremittingbanksendsthedraftdrawnagainstanexportwithshippingdocumentsattached,toanappropriateoverseasbank,namely,thecollectingbank,togetthepaymentoracceptancefromtheimporter.OutwardCollection出口托收Abank47托收行的处理委托人名称、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

托收所附单据名称、详细分类及份数托收交单方式（D/P,D/A）

收账要求

拒付时采取的措施

费用问题

其它要求罚息和贴息的规定需要时的代理人D/P下，是否允许分批付款，分批提货D/A下，是否需要通知到期日,是否由代收行保管单据

是否需作拒绝证书

是否委托代收行代为存仓或保险1.审核托收委托书2.提交相关文件3.选择代收行4.档案管理

5.结汇与收费

工商营业执照（副本）原件进出口业务营业许可证

法定代表人授权书托委托人名称、地址、有权签字人印章付款人名称、地址，开户行48InwardCollection进口代收Abankactingasthecollectingbankreceivesthedraftwithorwithoutshippingdocumentsattachedaswellastheinstructionsfromabankabroad,namely,theremittingbank.InwardCollection进口代收Abank49代收行的处理1.核对托收指示的真实性2.核对单据名称、份数是否与托收指示中注明的一致3.核对托收指示条款4.及时将拒付情况和拒付理由通知托收行

密押印鉴5.按托收委托书指示的路线、账户银行账号拨交收妥款项进口代收来单通知书

向托收行电讯查询相关内容1.核对托收指示的真实性2.核对单据名称、份数是否与托收指示50CollectionOrder托收委托书CollectionOrder托收委托书51COLLECTIONORDERTO:Profixed“X”DRAFTNO.AMOUNTTENORDRAWNONThefollowingdocumentsmarkswithletter“X”areattached□Deliverdocumentsagainstpayment□DonotProtest□DeliverdocumentsagainstacceptanceProtestfor□Non-payment□Allcollectionchargearefor□Non-acceptanceaccountofdraweecableadviceof□M0-acceptance□Allcollectionchargesarefor□Non-paymentaccountofdrawee□Haveproceedsremittedbycable□Airmailexpensesforforwarding□Waiveor□donotwaivechargesdocumentsforaccountofdraweeifrefusebydrawee□AllowdraweediscountofUS$………..□Interesttobecollectedat%p.a.from…to……………□Incaseofneedreferto□Creditouraccountwithproceeds.Specialinstructions:Yourfaithfully

MISCELIANEOUSMAILRCTCTFOFORIGININSCERTINVOICESComm.consu.

B/LDATEWeencloseforcollectionPleasefollowinstruction

521.Partiestocollection(Fullnameandaddress)当事人2.Date,referenceNo.提交托收委托书时间及业务备查号3.Draft(drawer,drawee,amount,tenor,dateofissue)汇票4.Documents(name,number)单据5.Instructionsgoverningtheoperation:业务指示(1)Termsofreleasedocuments(D/P,D/A)交单条件(2)Storeandinsureclause是否需要存仓和保险(3)Bankandothercharges银行费用及其它费用由谁支付(4)Aboutprotest拒绝证书(拒付后,是否需做拒绝证书)(5)Adviceofdishonor拒付通知(拒付后,是否需发送拒付通知)(6)Priorpresentation单据是否须预先提示(还是货到后提示)(7)Caseofneed需要时的代理人(是否需由其处理拒付后的事宜)(8)Methodofsettlement(收款方式)Acollectionorderincludes1.Partiestocollection(Fulln53₿Deliverdocumentsagainstpayment/acceptance.₿Remittheproceedsbyairmail/cable.₿Airmail/cableadviceofpayment/acceptance.₿Collectchargesoutside…fromdrawer/drawee.₿Collectinterestfordelayinpayment…daysaftersightat…%P.A.交单条件托收收款指示付款/承兑后采用邮寄/电报通知费用由出票人/付款人支付迟付利息规定₿Deliverdocumentsagainstpay54₿Airmail/cableadviceofnon-payment/non-acceptancewithreasons.₿Protestfornon-payment/non-acceptance.₿Protestwaived.₿Whenaccepted,pleaseadviseusgivingduedate.₿Whencollected,pleasecreditouraccountwith__.邮寄/电报传送退票通知发出拒绝证书放弃拒绝证书承兑后,通知到期日票款收妥后,贷记托收行₿Airmail/cableadviceofnon55₿Pleasecollectandremitproceedsto___Bankforcreditofouraccountwiththemundertheiradvicetous.₿Pleasecollectproceedsandauthorizeusbyairmail/cabletodebityouraccountwithus.通过托收行的账户行收款授权借记代收行账户₿Pleasecollectandremitpro566)RiskProtectionandFinancingunderCollectionMethods托收的风险防范和融资A.Riskinvolved托收业务中的风险Acceptancerisk市场风险Creditriskoftheimporter进口商信用风险Politicalriskoftheimporter’scountry国家风险Foreignexchangetransferrisk外汇风险Documentaryriskthattheshipmentmayfailtoclearcustoms单据风险导致货物无法清关1.Risksforexporters出口商的风险6)RiskProtectionandFinanci57Acceptancerisk市场风险Therealreasonforthenon-acceptanceofmerchandiseisthatbetweenthetimetheorderwasplacedandthedraftreceived,therehasbeenasignificantdropinthemarketprice.货价大幅度降价Storagecharge仓储费Reducedpriceinthemarket被迫降价Acceptancerisk市场风险Therealr58Non-paymentoftradeacceptanceGenerally,shippingonatime-draftbasisismoreriskyforthesellerthanasightdraft.D/A1.Afterthetime-draftisaccepted,thecolletingbankwillreleasethedocumentstotheimporter.So,theexporterlosethecontroloverthemerchandise.出口商失去货物2.Theimportermaydishonorforpaymentatmaturity.出口商到期遭拒付.Non-paymentoftradeacceptanc59Possessionofgoods进口商可提前占有货物1.Duetolocalregulation,theimportercangetpossessionofthegoodswithoutpayingoracceptingthedraft.2.Certaingovernmentsallocatetheneededforeignexchangeaftertheimportershowthemtheshippingdocuments.惯例风险Possessionofgoods进口商可提前占有货物160Exchangerestrictions外汇管制Thelocalexchangeregulationsdonotpermittheimportertoobtainthenecessaryforeignexchange.进口商无法获得外汇对外支付Exchangerestrictions外汇管制The61Riskinvolved托收业务中的风险2.Exporter’smeasuresagainstrisks出口商的风险防范措施Questions1.Howmanyexporter’smeasuresagainstriskscanyoulist?2.Whichmeasuredoyouthinkisthemostimportant?

Riskinvolved托收业务中的风险2.Exp621.Importerisofgoodsreputationandgoodfinancialstanding.进口商的信誉和财务状况良好2.Theexportershouldtakeintoaccounttheeconomicandpoliticalconditions.出口商应考虑经济和政治风险3.Theexportershouldpayattentiontotheforeignexchangeregulationsintheimportingcountry.关注进口国的外汇管理政策4.Theexportercantakeprecautions,suchasbyhedgingoperationsorbyimmediatesettlement.采取外汇风险保值措施或提前结汇1.Importerisofgoodsreputa63Financingunderthecollection托收项下的资金融通1.Billofpurchased(BP)托收出口押汇2.Trustreceipt信托收据融资

Financingunderthecollecti64RevisionRevision651.3.CourseOverview1.3.CourseOverview66ChapterFourInternationalBankRemittance国际银行汇兑ChapterFourInternationalBank67Whathavewelearnt?1)Methods方法Partiesandprocedures当事人,程序AdvantageanddisadvantageReimbursement偿付Function:PaymentinadvanceopenaccountWhathavewelearnt?1)Method68RemittingBank(汇出行)

PayingBank(汇入行)

Remitter(汇款人)Payee/Beneficiary(收款人)2)PartiesandproceduresRemittingBankPayingRemitterPa69

5.Reimbursementclaim

3.PaymentorderRemitterRemittingbankPayeePayingbank１．Written

application

2.Debitadvice4.FundsT/T&M/T5.Reimbursementc70

7.Debitadvice

3.D/DadviceRemitterRemittingbankPayeePayingbank１．D/D

application

2.Banksightdraft6.Payment4.BanksightDraft5.Banksightdraft7.DebitadviceRemi713)AdvantageandDisadvantageAdvantage:ForT/T:Fastest,safeforlargeamountForM/T:reliableForD/D:payingsmallamount,negotiable,endorsement3)AdvantageandDisadvantage72Disadvantage

ForT/T:expensive,notificationawaitedForM/T:delayorlostinthepost,slowerthanT/T,notificationawaitedForD/D:slow,possibletobelostDisadvantage

ForT/T:expensi73

4)ReimbursementofRemittanceCover(头寸)汇款的偿付1.Creditingvostroaccountofpayingbank贷记汇入行的来账

4)ReimbursementofRemittance74

RemittingbankPayingbankIncoverwehavecreditedyouraccountwithus.USDaccount

75

2.Debitingremittingbank’snostroaccount借记汇出行的来账2.Debitingremittingbank’s76

RemittingbankPayingbankIncover,pleasedebitouraccountwithyouGBPaccount

77

3.Instructingareimbursingbanktoeffectpaymentbydebitingtheremittingbank’snostroaccount

通知偿付行通过借记汇出行的账户付款3.Instructingareimbursi78

RemittingbankPayingbankIncoverwehaveauthorizedXYZBank,NewYorktodebitouraccountandcredityouraccountwiththem.

XYZ

bankOpenUSDaccountOpenUSDaccount

79

4.Instructingthepayingbanktoclaimreimbursementfromanotherbranchofthesamebankoranotherbankwithwhichtheremittingbankopensanaccount.Incover,pleaseclaimontheBankofTokyo,NewYork.作为偿付4.Instructingthepayingban805.Accordingtothepaymentsagreementbetweentwocountries汇款双方国家签署有关支付协定，并建立清算账户

5.Accordingtothepaymentsag81

Incover,youareauthorizedtodebitourCentralBank’sclearingaccountwithyourCentralbank.Incover,youareauthor82FunctionofRemittancePaymentinAdvance:AlwaysdownpaymentOpenaccount:bewellacquaintedwiththefinancialstatusofthebuyer

FunctionofRemittancePaymen83ChapterFiveCollection托收结算方式ChapterFiveCollection托收结算方式84Inthischapter,youwilllearn•Definition•Partiesofcollection•Typesofcollection

•Procedureofcollection•Outwardandinwardcollection•Riskprotectionandfinancingundercollectionmethods•URC522(UniformCustomsforCollection)托收统一规则documentary/cleancollection跟单/光票托收D/P,D/A付款交单,承兑交单Inthischapter,youwilllear855.1Introduction概述5.1.1Whatisacollection?I.Collectionisanarrangementwherebythegoodsareshippedandarelevantbillofexchangeisdrawnbytheselleronthebuyer,and/orshippingdocumentsareforwardedtotheseller’sbankwithclearinstructionsforcollectionthroughoneofitscorrespondentbanklocatedinthedomicileofthebuyer.FinancialinstrumentCommercialDocuments5.1Introduction概述5.1.1Whati86托收托收是这样一种安排,即出口商在货物装运后,开出以进口商为付款人的相关汇票,将汇票和(或)货运单据连同其明确的托收指示交给出口地银行,委托出口地银行通过其在进口商所在地的往来银行向进口商收取货款.托收托收是这样一种安排,即出口商在货物装运后,开出以进875.1Introduction概述5.1.2Partiestotheoperationofcollections当事人1.Theprincipal(seller/exporter/drawer)委托人（卖方/出口商/出票人）2.Theremitting(principal’s/seller’s/exporter’s)bank托收行（委托人/卖方/出口商的银行）3.Thecollectingbankorpresentingbank代收行或提示行4.Thedrawee(buyer/importer)受票人（买方/进口商）5.Representativeincaseofneed需要时的代理人5.1Introduction概述5.1.2Partie88ColletingBank代收行RemittingBank托收行PrincipalDraweeDocumentation;CollectionorderDocuments;CollectioninstructionDocumentsCashpayment;AcceptanceCollectionorderCollectioninstructionRepresentativeincaseofneedNon-acceptanceNon-paymentColletingBankRemittingBankPr89URC522,Article2

PartiestoaCollectiona.就本规则各项条款而言，托收当事人有：

i.委托人，即委托银行办理托收的当事人；

ii.托收行，即委托人委托办理托收的银行；

iii.代收行，即除托收行以外的任何参与处理托收业务的任何银行；

iv.提示行，即向付款人提示单据的代收行。

v.付款人，即根据托收指示向其提示单据的人。URC522,Article2

Partiestoa905.1Introduction概述5.1.3Typesofcollection1.Intermsofdocumentsrelated

*1)Documentarycollection跟单托收*2)Cleancollection光票托收3)Directcollection直接托收5.1Introduction概述5.1.3Types91单据是指金融单据及/或商业单据a.金融单据是指汇票、本票、支票或其他类似的可用于取得款项支付的凭证；b.商业单据是指发票、运输单据、所有权单据或其他类似的单据，或者不属于金融单据的任何其他单据。

单据是指金融单据及/或商业单据92(1)Documentarycollection

跟单托收Collectionona.financialinstrumentsbeingaccompaniedbycommercialdocumentsor;附带商业单据的金融单据项下的托收mercialdocumentswithoutbeingaccompaniedbyfinancialinstruments.不附有金融单据的商业单据项下的托收(1)Documentarycollection

93托收行付款人委托人运输公司代收行合同1.货物2.提单3.托收委托书跟单汇票4.回执5.托收指示;跟单汇票6.提示跟单汇票7.D/P或D/A8.提单9.交货10.收妥贷记通知11.付款

跟单托收业务流程托收行付款人委托人运输公司代收行合同1.货物2.提单3.托收94(2)Cleancollection光票托收Collectiononfinancialinstrumentwithoutbeingaccompaniedbycommercialdocuments.Open-accountoronconsignment赊销寄售(2)Cleancollection光票托收Col95ColletingBank代收行PrincipalDraweeDocumentationCollectioninstrumentDocumentsCashpayment;Acceptance3)directcollectionColletingBankPrincipalDraweeD963)directcollectionBecausethedocumentsunderdirectcollectionareremittedbythesellerdirectlytothecollectingbank,theyarenotroutedthroughtheremittingbank,sodirectcollectionisnotincorporatedintheURCNo.5223)directcollectionBecause975.1Introduction概述5.1.3Typesofcollection2.Intermsofreleaseofdocuments交单条件不同1)Documentsagainstpayment(D/P)付款交单2)Documentsagainstacceptance(D/A)承兑交单5.1Introduction概述5.1.3Types98D/Pcanbedividedintotwokinds:1)Documentsagainstpaymentatsight(D/Patsight)即期付款交单2)Acceptanceagainstpayment(AcceptanceD/P)远期付款交单D/Pcanbedividedintotwoki99(1)Documentsagainstpayment(D/P)付款交单Thecollectingbankmayreleasethedocumentsonlyagainstfullandimmediate

payment.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）的一种交单方式。(1)Documentsagainstpayment(100a.Documentsagainstpaymentatsight(D/Patsight)

即期付款交单Thecollectingbankpresentsthesightdrafttothebuyer.Whenthebuyerseesithemustpaythemoneyatonce,thenhecangettheshippingdocuments.a.Documentsagainstpaymenta101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，并将货款交给托收行贷记委托人账户。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102ProcedureforD/Patsight

代收行付款人即期提示即期付款即期交单即期汇票一次提示先付款,后交单ProcedureforD/Patsight103b.Acceptanceagainstpayment(AcceptanceD/P)远期付款交单Thecollectingbankpresentstheusancedrafttothebuyer.First,hemakesacceptanceatonce,andmakespaymentatmaturity,thenhecangettheshippingdocuments.b.Acceptanceagainstpayment(104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。指代收行提示跟单汇票（远期汇票）给受票人105ProcedureforD/Pafterxxdays

*代收行付款人即期承兑即期提示承兑远期付款远期交单远期提示付款远期汇票两次提示先付款,后交单ProcedureforD/Pafterxxday1062)DocumentsagainstAcceptance(D/A)承兑交单Thepresentingbankmayreleasethedocumentstothebuyeragainstthebuyer’sacceptanceofadraft,drawnpayable30-180daysaftersightordueonadefinitedate.指代收行待受票人承兑完远期汇票后，收回汇票，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。2)DocumentsagainstAcceptanc107代收行付款人ProcedureforD/A即期提示承兑即期承兑远期付款即期交单远期提示付款远期汇票两次提示先承兑,后交单,远期付款代付ProcedureforD/A即期提示承兑即期承兑远108URC522,Article7

商业单据的发放:承兑交单（D/A）与付款交单（D/P）

（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单据。

（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（D/A）还是凭付款（D/P）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何延误所产生的任何后果将不承担责任。

（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。URC522,Article7商业单据的发放:承兑109出口商委托人进口商付款人托收行代收行⑤托收指示、跟单汇票⑧交单⑥提示跟单汇票⑪偿付（贷记通知书）④回执合同运输公司③托跟收单委汇托票书、①货物②提单⑫付款⑦D/P、D/A⑨提单⑩货物出口托收进口代收①②③④⑤⑪⑫⑥⑦⑧⑨⑩⑤4)DocumentaryCollectionPractice跟单托收操作实验书P46出口商进口商托收行代收行⑤托收指示、跟单汇票⑧⑥提示跟单汇票110OutwardCollection出口托收Abankactingastheremittingbanksendsthedraftdrawnagainstanexportwithshippingdocumentsattached,toanappropriateoverseasbank,namely,thecollectingbank,togetthepaymentoracceptancefromtheimporter.OutwardCollection出口托收Abank111托收行的处理委托人名称、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

托收所附单据名称、详细分类及份数托收交单方式（D/P,D/A）

收账要求

拒付时采取的措施

费用问题

其它要求罚息和贴息的规定需要时的代理人D/P下，是否允许分批付款，分批提货D/A下，是否需要通知到期日,是否由代收行保管单据

是否需作拒绝证书

是否委托代收行代为存仓或保险1.审核托收委托书2.提交相关文件3.选择代收行4.档案管理

5.结汇与收费

工商营业执照（副本）原件进出口业务营业许可证

法定代表人授权书托委托人名称、地址、有权签字人印章付款人名称、地址，开户行112InwardCollection进口代收Abankactingasthecollectingbankreceivesthedraftwithorwithoutshippingdocumentsattachedaswellastheinstructionsfromabankabroad,namely,theremittingbank.InwardCollection进口代收Abank113代收行的处理1.核对托收指示的真实性2.核对单据名称、份数是否与托收指示中注明的一致3.核对托收指示条款4.及时将拒付情况和拒付理由通知托收行

密押印鉴5.按托收委托书指示的路线、账户银行账号拨交收妥款项进口代收来单通知书

向托收行电讯查询相关内容1.核对托收指示的真实性2.核对单据名称、份数是否与托收指示114CollectionOrder托收委托书CollectionOrder托收委托书115COLLECTIONORDERTO:Profixed“X”DRAFTNO.AMOUNTTENORDRAWNONThefollowingdocumentsmarkswithletter“X”areattached□Deliverdocumentsagainstpayment□DonotProtest□DeliverdocumentsagainstacceptanceProtestfor□Non-payment□Allcollectionchargearefor□Non-acceptanceaccountofdraweecableadviceof□M0-acceptance□Allcollectionchargesarefor□Non-paymentaccountofdrawee□Haveproceedsremittedbycable□Airmailexpensesforforwarding□Waiveor□donotwaivechargesdocumentsforaccountofdraweeifrefusebydrawee□AllowdraweediscountofUS$………..□Interesttobecollectedat%p.a.from…to……………□Incaseofneedreferto□Creditouraccountwithproceeds.Specialinstructions: