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1、Chapter three RemittanceInternational exchange国际汇兑国际汇兑Reimbursement of remittance cover汇款头汇款头寸的偿付寸的偿付The concept of remittanceParties of remittanceMethods and procedures of remittanceApplication of remittance International exchange refers to operational activities related with the currency conversio
2、n and transfer of funds between countries in order to settle the claims and debts by payment instruments through banks.In broad sense-the international settlement In narrow sense-international bank remittanceTypes:International exchangepayerpayeeBank ABank BpayerpayeeBank ABank BcontractcontractRemi
3、ttance:Reverse remittance:If the paying bank maintains a current account with the remitting bank(1)or the remitting bank has a a/c with the paying bank(2)Reimbursement of remittance cover Remitting bankPaying bankVostro a/c(1)in cover,we have credited youre a/c with usNostro a/c(2)in cover,please de
4、bit our a/c with you If there is no vostro or nostro account with each other,but the remitting bank can find a third bank,with which both the paying bank and the remitting bank maintain current account.Remitting bankPaying bank Reimbursing bank AIn cover,we have authorized A to debit our a/c and cre
5、dit your a/c with them debit our a/c and credit paying bank a/c with you Credit advice Exercises:please write“cover instruction”for each remittance below.a.The paying bank has maintained an USD account with the remitting bank.Suppose an outward remittance in USD is made,how do you write“cover instru
6、ction”for this remittance?b.In cover,we have credited your account with usb.Both remitting bank and paying bank have maintained USD account with XYZ Bank,New York.Suppose an outward in USD is made,then“cover instruction”?c.In cover,we have authorized XYZ Bank,New York to debit our account and credit
7、 your account with them A bank,at request of its customer,transfer a certain sum of money to its overseas branch or correspondent bank,instructing it to pay a named person domiciled in that country.Based on commercial credit the concept of remittancepayeeremitterPaying bankRemitting bank instruction
8、goodsApplication paying汇款人（汇款人（remitter/importer）:Remittance applicationSubmit the same amount of funds and commissionFor our country,submit documents required by SAFE 收款人或受益人（收款人或受益人（payee/exporter）汇出行汇出行(remitting bank)：payment order/P.O.（支付授权书支付授权书)should be made out as instructed in the applicat
9、ion and indicate the reimbursement of remittance cover;outward remittance 汇入行或解付行（汇入行或解付行（paying bank）：）：paying in strict compliance with the P.O.and authenticate the relevant signature or test key;usually paying after its receipt of the funds from the remitting bank;clean payment;inward remittancep
10、arties and their obligations Based on the means of transferring funds,电汇（电汇（telegraphic transfer,T/T）the remitting bank sends the P.O.to the paying bank by cable,telex,or SWIFT,authorizing the paying bank to make payment to the payee.fast ;safe ;limited time for banks to keep the funds the contents
11、of T/T信汇（信汇（mail transfer，M/T）the remitting bank transfers the funds by mailing a P.O.cheap but slow procedures for M/T and T/T 票汇票汇（remittance by bankers demand draft,D/D）On the request of the remitter,the remitting bank draws a demand draft on its overseas branch or correspondent bank ordering the
12、 latter to pay on demand to the payee upon presentation.convenient and transferable draft on center中心汇票中心汇票 procedures for D/DMethods and procedures of remittanceFM:汇出行汇出行TO:汇入行汇入行DATE:发电日期发电日期TEST密押密押OUR REF NO.汇款编号汇款编号NO CHARGES FOR US 我行不负担费用我行不负担费用PAY(AMT)金额金额VALUE(DATE)起息日起息日 TO(BENEFICIARY)收款人
13、收款人MESSAGE附言附言ORDER/BY ORDER OF(B/O)汇款人汇款人COVER头寸拨付头寸拨付The contents of T/T收款人：收款人：PAY TO BANK（收款人的帐户行）（收款人的帐户行）FOR CREDITING A/C NO.OF 收款人收款人 Remitting bank:bank of Asia,TianjinPaying bank：bank of Asia,LuxemburgDate of cable:9 June Test:2563Payee:Marie Clauda Dumont,Luxemburg Banque International du
14、 LuxemburgMessage:payrollRemitter:Crystal Palace Hotel,TianjinCover:Debit our H.O.accountFM:bank of Asia,Tianjin TO:bank of Asia,LuxemburgDATE:9 June TEST 2563 OUR REF208TT0219NO ANY CHARGES FOR USPAY TO Banque International du LuxemburgFOR CREDITING A/C NO.0-164/7295/550 OF Marie Clauda Dumont,Luxe
15、mburgMESSAGE payrollORDER Crystal Palace Hotel,TianjinCOVER Debit our H.O.accountpayeeremitterPaying bankRemitting bank(1)(2)(3)(4)(5)(6)(7)(1)Remittance application with funds and commission;(2)receipt(3)sends P.O./telex/SWIFT instructing paying bank to make payment(4)after authenticating,notifies
16、the payee(5)upon receipt,the payee provides the paying bank a receipt(6)the paying bank debited the remitting banks a/c and make payment(7)sends the debit advice and payment receipt from payee to the remitting bank(8)the debt is discharged(8)remitterpayeeRemitting bankPaying bank1)D/D application2)B
17、ank demand draft3)bank demand draft4)Presenting 5)payment6)Debit adviceCollecting bank银行开出的以票面货币清算中心城市的银行为付款行银行开出的以票面货币清算中心城市的银行为付款行的汇票。的汇票。出票行：汇出行出票行：汇出行 付款行：清算中心的代理行付款行：清算中心的代理行特点：特点：购票人将中心汇票交收款人，收款人可委托当地银行购票人将中心汇票交收款人，收款人可委托当地银行托收或买入，还可转让。托收或买入，还可转让。汇出行不寄票根，不拨头寸，当中心汇票提交付款行汇出行不寄票根，不拨头寸，当中心汇票提交付款行时
18、，借记出票行的帐户以付款并向其寄送借记报单。时，借记出票行的帐户以付款并向其寄送借记报单。从出票到付款前不占用出票行的资金。从出票到付款前不占用出票行的资金。Draft on centerAccording to the time of shipment and of payment:预付货款预付货款(payment in advance):pay at the time of order(cash with order)or prior to shipment of the goods,commonly used in specialized and capital intensive go
19、ods.货到付款（货到付款（payment after arrival of goods:also called open account,say,cash on delivery/交货付现。交货付现。goods sold（售定）售定）sold on consignment（寄售）寄售）凭单付汇凭单付汇(remittance against documents)Characteristics of remittanceriskyUnbalanced capital burdenSimple procedures and cost-efficient Application of remitta
20、nce 出口合同规定的支付条款为装运月前出口合同规定的支付条款为装运月前1515天电汇付款，买方天电汇付款，买方延至装运中始从邮局寄来银行汇票一纸，为保证按期交货，出口延至装运中始从邮局寄来银行汇票一纸，为保证按期交货，出口企业于收到该汇票次日即将货物托运，同时委托银行代收票款。企业于收到该汇票次日即将货物托运，同时委托银行代收票款。一个月后，接银行通知，因该汇票系伪造，已被退票。此时，货一个月后，接银行通知，因该汇票系伪造，已被退票。此时，货已抵达目的港，并已被买方凭出口企业自行寄去的单据提走。事已抵达目的港，并已被买方凭出口企业自行寄去的单据提走。事后追偿，对方早已人去楼空。后追偿，对方早已人去楼空。结论：结论：1 1、进口方改变了付款方式进口方改变了付款方式 2 2、收到汇票并不等于收到钱，当企业无法辨别其真伪时，、收到汇票并不等于收到钱，当企业无法辨别其真伪时，应交银行代为审核应交银行代为审核 Case study