Revision 国际结算 教学课件 Review.pptVIP

Revision 1.3.Course Overview Chapter Four International Bank Remittance 国际银行汇兑 What have we learnt? 1) Methods 方法 Parties and procedures 当事人,程序 Advantage and disadvantage Reimbursement　偿付 Function : Payment in advance open account １．Writtenapplication 5. Reimbursement claim 3.Payment order １．D/Dapplication 7.Debit advice 3.D/D advice 3)Advantage and Disadvantage Advantage: For T/T: Fastest , safe for large amount For M/T: reliable For D/D: paying small amount, negotiable , endorsement Disadvantage  For T/T: expensive, notification awaited For M/T: delay or lost in the post, slower than T/T, notification awaited For D/D: slow, possible to be lost 4)Reimbursement of Remittance Cover (头寸) 汇款的偿付 1. Crediting vostro account of paying bank 贷记汇入行的来账 2. Debiting remitting bank’s nostro account 借记汇出行的来账 　 3. Instructing a reimbursing bank to effect payment by debiting the remitting bank’s nostro account 通知偿付行通过借记汇出行的账户付款 4. Instructing the paying bank to claim reimbursement from another branch of the same bank or another bank with which the remitting bank opens an account. In cover, please claim on the Bank of Tokyo, New York. 5.According to the payments agreement between two countries 汇款双方国家签署有关支付协定，并建立清算账户 In cover, you are authorized to debit our Central Bank’s clearing account with your Central bank. 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. URC522, Article 2Parties to a Collection a. 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。 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。 (1)Documentary collection 跟单托收 Collection on a.financial instruments being accompanied by commercial documents or;