双语国结课件第四章.ppt

1、1,International SettlementPayment Techniques in international Trade Finance,管理学院黄祥钟 ,国际结算,第四章2,4、Collection,一、what is a collection The seller draws a draft on the buyer and authorizes its bank to collect the money from the buyer. In URC522, collection means “the handling by banks of documents in acc

2、ordance with instructions received, in order to: i) obtain payment and/or acceptance or ii).,国际结算,第四章3,Seller(principal,drawer) buyer(drawee),买卖合同,remitting bankcollecting bank,托收申请书Collection order,托收委托书 Collection instruction,D/P. D/A,The procedures of collection,国际结算,第四章4,二、Basic parties to a col

3、lection,1. Principal/drawer: the party entrusting the handling of a collection to a bank. A collection order includes: Details of the principal and the drawee Amount and currency Requested documents D/P, or D/A,国际结算,第四章5,2. Remitting bank: the bank to which the principal has entrusted the handling o

4、f a collection. Banks has no obligation to handle either a collection or any collection instruction. Upon its agreement on collection, however, the remitting bank will act upon the instructions in good faith and exercise reasonable care, but need not examine documents submitted.,国际结算,第四章6,3. Collect

5、ing bank: any bank, other than the remitting bank, involved in the collection process. The remitting bank will use the bank named by the principal as the collecting bank, and in absence of such a named bank, the remitting bank will use any of its own or another bank. It should examines the documents

6、 and instruction received with reasonable care.,国际结算,第四章7,4. Presenting bank: the bank that makes presentation to the importer, and it may be the collecting bank. In practice, the collecting bank and the presenting bank are usually the same. They may be different.,国际结算,第四章8,5. Drawee (payer): the pa

7、rty to whom presentation is to be made in accordance with the collection instruction. It is usually the importer under a sales contract. 6. a representative to act as case of need,国际结算,第四章9,托收行对委托人、代收行对托收行负有的义务：,1、及时提示的义务：指毫无延误地进行付款提示或承兑提示； 2、保证汇票和装运单据与托收指示书的表面一致，如发现任何单据有遗漏，应立即通知发出指示书的一方； 3、收到的款项必须按

8、照规定无迟延地解交本人； 4、无延误地通知托收结果，包括付款、承兑、拒绝承兑或拒绝付款等。,国际结算,第四章10,三、Types of collection,1、Clean Collection：the seller draws only draft on the buyer and presents the drafts to his bank for collection. 不附带货运单据的金融票据托收,US Exporter,UK Importer,goods,cheque,Local bank,Importer bank,cheque,cheque,国际结算,第四章11,2、Docum

9、entary Collection,The exporter submits draft accompanied by shipping documents to his bank for collection 附有货运单据的托收。 有些托收，为了避免在汇票上加贴印花而增加税收负担，在单据中只有商业票据，没有汇票，这也称为跟单托收。,国际结算,第四章12,The procedures of documentary collection,Principal,Drawee,ships goods,Remitting bank,Collecting bank,Collection order bil

10、l of lading Insurance policy invoice ,Presentation for payment or acceptance,Pay the bill,Collection order other documents,国际结算,第四章13,四、Terms of releasing documents,1、Delivery of documents against payment （1）D/P at sight: Presentation pay immediately release the documents after payment 在有些国家被认为是货到后付

11、款，如中南美洲如厄瓜多尔、圭亚那，欧洲如芬兰、希腊等。,国际结算,第四章14,（2）D/P at a fixed time after sight： Presentation acceptance pay at maturity release the documents after payment 2、delivery of Documents against acceptance，D/A Presentation acceptance release the documents after acceptance pay at maturity,国际结算,第四章15,案例：,我国一出口公司对

12、拉美地区出口一批黄豆，买方G公司，合同规定为：“The Buyers shall duly accept the documentary draft drawn by the Sellers at 30 days sight upon first presentation and make payment on its maturity. The shipping documents are to be delivered against payment.”,国际结算,第四章16,该出口公司根据合同规定的5月份装运期的要求, 5月13日办理装船完毕，于14日备齐一切单据向托收行办理30天远期付

13、款交单托收手续。 7月3日接托收行转来代收行电：“第xxxx号托收单据于5月21日收到。我行当天即向付款人G贸易有限公司第一次提示，21日经付款人承兑。于6月20日汇票到期日我行第二次向付款人提示要求付款时，但付款人拒付，据称因货物水分超过标准，甚至有部分霉粒，所以不肯接受。请电复处理意见。”,国际结算,第四章17,URC522第7条规定：,（1）collections should not contain bills of exchange payable at a future date with instruction that commercial documents are to b

14、e delivered against payment. (2) if a collection contains a bill of exchange payable at a future date, the instruction should state whether the documents are to be released against D/A or D/P.,国际结算,第四章18,In the absence of such statement commercial documents will be released only against payment and

15、the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.,国际结算,第四章19,(3) If a collection contains a bill of exchange payable at a future date and the collection instruction indicates that commercial documents are to be released against pa

16、yment, documents will be released only against such payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.,国际结算,第四章20,使用D/P远期时一定要注意：,（1）风险大，对出口商非常不利 （2）要选择良好代收行 （3）不要使远期天数与航程天数相差太远 （4）应打听清楚对方国家对D/P远期是否视同D/A.（URC522规定，若URC52

17、2与一国法律相抵触，则URC522对当事人不具有约束力.）,国际结算,第四章21,五、 reimbursement of collection cover,例1：代收行是托收行的账户行时,Please credit the sum to our account with you Telex/airmail advice to us.,Credit Advice : You account has been credited.,国际结算,第四章22,例2：托收行是代收行的账户行,Please authorize us by telex/airmail to debit your account

18、with us,debit Advice : You account has been debited.,Payment Order: We hereby authorize you to debit our account.,国际结算,第四章23,六、Banks liabilities and disclaimers under a collection,1. Banks have no obligation to handle a collection 2. Banks are only permitted to act upon the instructions given 3. Dis

19、claimer for acts of an instructed party 4. Disclaimer on documents received 5. Disclaimer on effectiveness of documents,国际结算,第四章24,6. Disclaimer on delays, loss in transit and translation 7. Banks do not deal with goods, services or other acts,国际结算,第四章25,七、Financing providing by banks under a collec

20、tion,1、Collection Bill Purchased（Negotiation,托收出口押汇）：the remitting bank purchases its customers draft drawn on the overseas buyer and this is done before the buyer makes payment. The remitting bank becomes a holder in due course. It has the right of recourse.,国际结算,第四章26,2、Advance against Collection

21、（贷款 ）：,The remitting bank may make a loan to the exporter against the draft and documents under collection. The amount of the loan is a proportion of the value of the draft.,国际结算,第四章27,3、信托收据（Trust Receipt）,The importer may make a written undertaking to the collecting bank to borrow the documents. The undertaking is in the form of Trust Receip