汇款remittance结算方式课件

ChapterthreeRemittanceInternationalexchange国际汇兑Reimbursementofremittancecover汇款头寸的偿付TheconceptofremittancePartiesofremittanceMethodsandproceduresofremittanceApplicationofremittance

Internationalexchangereferstooperationalactivitiesrelatedwiththecurrencyconversionandtransferoffundsbetweencountriesinordertosettletheclaimsanddebtsbypaymentinstrumentsthroughbanks.Inbroadsense--theinternationalsettlementInnarrowsense--internationalbankremittanceTypes:

InternationalexchangepayerpayeeBankABankBpayerpayeeBankABankBcontractcontractRemittance:Reverseremittance:Ifthepayingbankmaintainsacurrentaccountwiththeremittingbank(1)ortheremittingbankhasaa/cwiththepayingbank(2)

ReimbursementofremittancecoverRemittingbankPayingbankVostroa/c(1)incover,wehavecreditedyou’rea/cwithusNostroa/c(2)incover,pleasedebitoura/cwithyou

Ifthereisnovostroornostroaccountwitheachother,buttheremittingbankcanfindathirdbank,withwhichboththepayingbankandtheremittingbankmaintaincurrentaccount.RemittingbankPayingbank

ReimbursingbankAIncover,wehaveauthorizedAtodebitoura/candcredityoura/cwiththemdebitoura/candcreditpayingbanka/cwithyouCreditadvice

Abank,atrequestofitscustomer,transferacertainsumofmoneytoitsoverseasbranchorcorrespondentbank,instructingittopayanamedpersondomiciledinthatcountry.Basedoncommercialcredit

theconceptofremittancepayeeremitterPayingbankRemittingbank②instructiongoods①Application③paying

Basedonthemeansoftransferringfunds,电汇（telegraphictransfer,T/T）theremittingbanksendstheP.O.tothepayingbankbycable,telex,orSWIFT,authorizingthepayingbanktomakepaymenttothepayee.fast;safe;limitedtimeforbankstokeepthefunds

thecontentsofT/T信汇（mailtransfer，M/T）theremittingbanktransfersthefundsbymailingaP.O.cheapbutslow

proceduresforM/TandT/T票汇（remittancebybanker’sdemanddraft,D/D）Ontherequestoftheremitter,theremittingbankdrawsademanddraftonitsoverseasbranchorcorrespondentbankorderingthelattertopayondemandtothepayeeuponpresentation.convenientandtransferable

draftoncenter中心汇票

proceduresforD/DMethodsandproceduresofremittanceFM: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payeeremitterPayingbankRemittingbank(1)(2)(3)(4)(5)(6)(7)(1)Remittanceapplicationwithfundsandcommission;(2)receipt(3)sendsP.O./telex/SWIFTinstructingpayingbanktomakepayment(4)afterauthenticating,notifiesthepayee(5)uponreceipt,thepayeeprovidesthepayingbankareceipt(6)thepayingbankdebitedtheremittingbank’sa/candmakepayment(7)sendsthedebitadviceandpaymentreceiptfrompayeetotheremittingbank(8)thedebtisdischarged(8)remitterpayeeRemittingbankPayingbank1)D/Dapplication2)Bankdemanddraft3)bankdemanddraft4)Presenting

5)payment6)DebitadviceCollectingbankAccordingtothetimeofshipmentandofpayment: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)CharacteristicsofremittanceriskyUnbalancedcapitalburdenSimpleproceduresandcost-efficient

Applicationofremittance

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