汇款

null8.2.1 Remittance (汇款)国贸-周晓娟8.2.1 Remittance (汇款)null国贸-周晓娟Remitting Bank 汇出行Remitter 汇款人Paying Bank 汇入行Payee 收款人Buyer(买方) Importer (进口方)In the place of importer (在进口方所在地)In the place of importer (在出口方所在地)Seller(卖方) Exporter (出口方)Export (出口)Import (进口)Parties in RemittanceThe Procedures of Remittance国贸-周晓娟The Procedures of RemittanceText in hereRemitter 汇款人(买方)Text in hereRemitting Bank 汇出行Payee 收款人(卖方)Paying Bank 汇入行①T/T(电汇) ②M/T(信汇) ③D/D(票汇)(1) Definition of Remittance 国贸-周晓娟(1) Definition of Remittance 汇出行（进口方所在银行）应汇款人（进口方-债务人）的要求，以一定的方式将一定的金额，通过其在国外联行或代理行作为付款银行（汇入行-出口方所在地），付给收款人（出口方-债权人）的一种结算方式。 The Remitting Bank remits amount of money to the payee, at the request of remitter by the Paying Bank which has some business relationship with each other.The Procedures of T/T-电汇国贸-周晓娟The Procedures of T/T-电汇Text in hereRemitter 汇款人(买方)Text in hereRemitting Bank 汇出行Payee 收款人(卖方)Paying Bank 汇入行①电汇申请 交款付费②电汇回执③电汇委托书①电报(Cable) ②电传(Telex) ③ SWIFT④电汇通知书⑤收款联上盖章提示 ⑥付款⑦划转款项(2) Telegraphic Transfer (电汇)国贸-周晓娟(2) Telegraphic Transfer (电汇)Telegraphic Transfer or Telex Transfer , means of transferring funds overseas，meaning a cable message from one bank to another in order to effect the transfer of money. 是指汇出行应汇款人申请, 拍发加押电报\电传或SWIFT给在另一国家的分行或代理行(即汇入行)指示解付一定金额给收款人的一种汇款方式. Sample --- Application of Remittance国贸-周晓娟Sample --- Application of Remittance除港澳地区外，必须用英文填写The Format of Cable(电报) and Telex(电传)国贸-周晓娟The Format of Cable(电报) and Telex(电传)FM (Remitting bank): 汇出行 TO (Paying bank): 汇入行 DATE: 发电日 TEST: 密押 OUR REF NO. 汇款编号 NO ANY CHARGES FOR US(我行不负担费用) PAY (金额) VALUE (起息日) TO (收款人)A/C NO.(收款人账号) MESSAGE(汇款附言): 号 ORDER(汇款人) COVER(头寸拨付): Debit our HO (Head Office 总行) account(从我方账户中提取款项) SWIFT国贸-周晓娟SWIFT1.SWIFT需要会员资格。我国的大多数专业银行都是其成员。 2.SWIFT的费用较低。同样多的内容，SWIFT的费用只有TELEX（电传）的18%左右，只有CABLE（电报）的2.5%左右。 3.SWIFT的安全性较高。SWIFT的密押比电传的密押可靠性强、保密性高，且具有较高的自动化。 4.SWIFT的格式具有化。对于SWIFT电文，SWIFT组织有着统一的要求和格式。Society for Worldwide Inter-bank Financial Telecommunication (环球银行间金融电信协会)MT103 CUSTOMER TRANSFER国贸-周晓娟MT103 CUSTOMER TRANSFERM 20 Transaction reference number TRN交易编号 M 23b Bank Operation Code 银行操作代码 M 32A Value date, currency code, amount M 50a Ordering customer汇款人 M 59 Beneficiary customer O 70 Details of payment O 71A Details of charges O 72 Bank to bank information null国贸-周晓娟: 20/ transaction reference number(交易编号) 208TT0992 :32A/ value date, currency code, amount 040610 GBP62,000.00 :50a/ ordering customer(汇款人) ZHEJIANG INTERNATIONAL TRUST & INVESTMENT CORP., HANGZHOU :57/ account with bank(汇款银行) THE FIRST NATIONAL BANK, LONDON :59/ beneficiary customer(收款人) ACCOUNT NO. 36998044, ANGLO INTERNATIONAL CO. LTD., LONDON :70/ details of payment CONTRACT NO. 201541 : 71A/ details of charges(详细费用) BENEFICIARY :72/ bank to bank information COVER DEBIT OUR HO(=Head Office) ACCOUNTExample: SWIFT电文(3) The Procedures of M/T-信汇国贸-周晓娟(3) The Procedures of M/T-信汇Text in hereRemitter 汇款人(买方)Text in hereRemitting Bank 汇出行Payee 收款人(卖方)Paying Bank 汇入行①信汇申请书 交款付费②信汇回执③信汇委托书④信汇通知书⑤收款联上盖章提示⑥付款⑦划转款项银行邮递信汇委托书国贸-周晓娟信汇委托书 Please advise and effect the following payment less your charge if any. In cover, we have CREDITED you’re A/C with.下列汇款，请即照解，如有费用请内扣。我已贷记你行账户。THE BANK OF CHINA, SHANGHAIAmount in Words(大写): By order of(付款人): Message(附言): FOR THE BANK OF CHINA, SHANGHAI此 致 To (汇入行-出口方)(4) Demand Draft (票汇)国贸-周晓娟(4) Demand Draft (票汇) 票汇汇款是汇出行应汇款人申请，开立以其分行或代理行为解付行的银行即期汇票(Banker’s Demand Draft)，支付一定金额给收款人的汇款方式。 The Procedures of D/D-票汇国贸-周晓娟The Procedures of D/D-票汇Text in hereRemitter 汇款人(买方)Text in hereRemitting Bank 汇出行Payee 收款人(卖方)Paying Bank 汇入行①票汇申请书 交款付费②银行即期汇票③邮寄票汇通知书③寄银行即期汇票⑤付款④提示银行汇票⑥划转款项(5) Conclusion 国贸-周晓娟(5) Conclusion Text in hereRemitter 汇款人(买方)Text in hereRemitting Bank 汇出行Payee 收款人(卖方)Paying Bank 汇入行①T/T(电汇) ②M/T(信汇) ③D/D(票汇)三种汇款方式收付程序示意图国贸-周晓娟三种汇款方式收付程序示意图进口商将 货款交付进口商往 来银行委托出口地 银行出口商进口商将 货款交付进口商向 本地银行进口商往 来银行委托购买汇票 后寄交出口地 银行出口商将 汇票交付出口商出口地 银行托收Payment OrderPayment OrderBanker’s demand draftnull国贸-周晓娟ComparisonThank You!Thank You!