國(guó)貿(mào)雙語(yǔ)--課件--國(guó)際貿(mào)易的支付方式

1、Page 1Chapter Nine Payment of Goods 第九章第九章 貨物的支付貨物的支付Page 2Case Lead-inObjectiveLectureThe processingModes of International PaymentCase studyPayment Clauses in a Sales ContractInstruments of Payment in International TradePage 3【Learning Objectives】n After learning this Chapter, you will be able to:1

2、. Acquire the most commonly used instruments of settlement and the modes of payment in international trade；2. Grasp skillfully the relationships and differences between the various modes of international settlement and procedures of business;3. Master the payment convention in international contract

3、, and apply relevant knowledge to analyze the Case.Page 4Lead-in 導(dǎo)入導(dǎo)入Page 5Case Question: Is it reasonable for the US exporter to do so? 問(wèn)題：美方此舉是否合理？問(wèn)題：美方此舉是否合理？ A Chinese company imported 200 metric tons of steel on FOB Vessel New York basis at the price of USD 242 per metric ton. The importer esta

4、blished the L/C on time for USD 48400, but the U.S. exporter required the importer to increase the amount of the L/C to USD50000, otherwise, any export tariff and certificate fee should be paid by the importer separately by T/T.Page 6 中國(guó)某公司按每公噸中國(guó)某公司按每公噸242242美元美元F.O.B. Vessel New York F.O.B. Vessel

5、New York 進(jìn)口進(jìn)口200200公噸鋼材。中方如期開(kāi)出公噸鋼材。中方如期開(kāi)出4840048400美元信用證，但美美元信用證，但美方來(lái)電要求增加信用證金額至方來(lái)電要求增加信用證金額至5000050000美元，不然有關(guān)出口美元，不然有關(guān)出口捐稅及簽證費(fèi)用應(yīng)由中方另行電匯。捐稅及簽證費(fèi)用應(yīng)由中方另行電匯。案例案例Page 7Possible answer When negotiating the price terms and signing the contract with the US seller, it should be clarified that the seller shou

6、ld be responsible for preparing and obtaining all export documents and shoulder all the certificate expenses. The contract should also indicate that the export tariff and other exports-related tax were for the sellers account, otherwise, according to Revised American Foreign Trade Definitions 1941,

7、for transactions concluded on FOB Vessel basis, the buyer should be responsible for the payment of: export duty and other export-related taxes; all the expenses incurred in obtaining the certificate of origin and other documents (excluding clean shipping receipt and B/L) for the import export of the

8、 goods. If the sales contract didnt clarify the sharing of responsibility and expense related, the US seller had the rights to ask for the increase of L/C amount according to Revised American Foreign Trade Definitions 1941. In trade with the United States and other countries, special attention shoul

9、d be given to this issue.Page 8答案：中文答案：中文 在對(duì)美國(guó)按上述價(jià)格術(shù)語(yǔ)洽談進(jìn)口交易和簽訂合同時(shí)，在對(duì)美國(guó)按上述價(jià)格術(shù)語(yǔ)洽談進(jìn)口交易和簽訂合同時(shí)，應(yīng)明確賣(mài)方應(yīng)負(fù)責(zé)辦理各種出口證件和負(fù)擔(dān)一切有關(guān)簽證應(yīng)明確賣(mài)方應(yīng)負(fù)責(zé)辦理各種出口證件和負(fù)擔(dān)一切有關(guān)簽證費(fèi)用。對(duì)于出口稅及因出口而征收的其他稅款也應(yīng)注明須費(fèi)用。對(duì)于出口稅及因出口而征收的其他稅款也應(yīng)注明須由賣(mài)方負(fù)擔(dān)。否則，按照由賣(mài)方負(fù)擔(dān)。否則，按照美國(guó)對(duì)外貿(mào)易定義美國(guó)對(duì)外貿(mào)易定義1941年修年修訂本訂本中的有關(guān)解釋?zhuān)渲兄械挠嘘P(guān)解釋?zhuān)渲蠪OB Vessel 項(xiàng)下規(guī)定買(mǎi)方責(zé)項(xiàng)下規(guī)定買(mǎi)方責(zé)任為：任為：“支付出口稅及因出口而

10、征收的其他捐稅費(fèi)用；支支付出口稅及因出口而征收的其他捐稅費(fèi)用；支付因領(lǐng)取由原產(chǎn)地及付因領(lǐng)取由原產(chǎn)地及/或裝運(yùn)地國(guó)家簽發(fā)的，為貨物出口或裝運(yùn)地國(guó)家簽發(fā)的，為貨物出口或在目的地進(jìn)口所需的各種證件（但清潔的輪船收據(jù)或提或在目的地進(jìn)口所需的各種證件（但清潔的輪船收據(jù)或提單除外）而發(fā)生的一切費(fèi)用單除外）而發(fā)生的一切費(fèi)用”。上述費(fèi)用均由買(mǎi)方負(fù)擔(dān)。上述費(fèi)用均由買(mǎi)方負(fù)擔(dān)。由于簽約時(shí)，未予以明確，美商按由于簽約時(shí)，未予以明確，美商按美國(guó)對(duì)外貿(mào)易定義美國(guó)對(duì)外貿(mào)易定義1941年修訂本年修訂本的規(guī)定要求增加金額是有道理的。這在的規(guī)定要求增加金額是有道理的。這在對(duì)美進(jìn)行交易時(shí)應(yīng)特別注意與其他國(guó)家的區(qū)別。對(duì)美進(jìn)行交易時(shí)應(yīng)

11、特別注意與其他國(guó)家的區(qū)別。 Page 9Section OneInstruments of Payment in International Trade第一節(jié) 國(guó)際貨款結(jié)算工具Page 10Content of this Section本節(jié)主要內(nèi)容本節(jié)主要內(nèi)容1.Bill of Exchange, Draft 匯票2. Promissory note本票3. Check/Cheque支票4. The Differences Between Bill of Exchange, Promissory Note and Cheque 匯票、本票與支票的區(qū)別 Sample & Case 1 (

12、雙語(yǔ)案例)Page 111.Bill of Exchange ,Draft 匯票1.1 Definition 匯票的含義匯票的含義 Bill of exchange, also called draft or draught, is defined as “an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand, or at

13、 a fixed or determinable future time, a sum certain in money, or to the order of a specified person, or to bearer”. 匯票是由一人向另一人簽發(fā)的無(wú)條件的書(shū)面命令，要求接受命令人在見(jiàn)票時(shí)或在指定的或可以確定的將來(lái)某一日期，支付一定的金額給特定的人或其指定的人或持票人。Page 121.2 The Parties to a Bill of Exchange 匯票的基本當(dāng)事人 Drawer出票人出票人 Drawee受票人受票人 Payee受款人受款人Page 131.3 Essentia

14、l Elements of Bill of Exchange 匯票的基本內(nèi)容匯票的基本內(nèi)容(1)Bill of Exchange，Draft“匯票匯票”字樣字樣(2)Unconditional Order to Pay無(wú)條件的支付命令無(wú)條件的支付命令(3)the Sum Certain in Money 確定的金額確定的金額(4)Payer，Drawee 付款人名稱(chēng)付款人名稱(chēng)(5)Payee收款人名稱(chēng)收款人名稱(chēng)(6)Date and Place of Issue 出票日期及地點(diǎn)出票日期及地點(diǎn)(7)Tenor付款期限付款期限(8)Drawer 出票人出票人Page 14 Sample Page

15、151.4 Classification of Bill of Exchange 匯票的種類(lèi)1.4.1 According to different drawer, the bills of exchange can be classified into Bankers Draft and Commercial Bill.按出票人的不同，分為銀行匯票和商業(yè)匯票P(pán)age 16 Sample of Bankers Draft 銀行匯票樣本銀行匯票樣本 Sample1Page 17 Sample2Page 18 1.4.2 According to the time when the bill fa

16、lls due, bills of exchange may be divided into Sight (or Demand) Bill or a Time (or Usance) Bill 按付款時(shí)間的不同，分為即期匯票和遠(yuǎn)期匯票P(pán)age 19Sample of Sight Draft即期匯票樣本即期匯票樣本Page 20Sample of Time Draft遠(yuǎn)期匯票樣本遠(yuǎn)期匯票樣本Page 21Case1 Question：Please analyze the possibilities of getting back the money when the draft is on du

17、e, and provide your suggestions of how to solve the problem. 問(wèn)題：試分析問(wèn)題：試分析A公司于匯票到期時(shí)收回貨款的可能性，并提公司于匯票到期時(shí)收回貨款的可能性，并提出處理該案的建議。出處理該案的建議。Page 22 The possibilities of Getting Back the Money When the Draft is on Due Company A from China exported to Company B of Korea. Payment was to be made by D/P at 90 days

18、 after sight. After the shipment of goods, draft and shipping documents were sent to the foreign collection bank through remitting bank in the exporters country. Company B had accepted the draft. After the arrival of the goods at the port of destination, Company B presented the trust receipt and too

19、k delivery of the goods for resale in advance against the borrowed shipping documents from the local collecting bank, because B was in urgent need of the goods. When the draft was falling due, B became insolvent because of poor management. The collecting bank informed the remitting bank that the dra

20、wee rejected the payment and suggested Company A to collect the money back directly from Company B. There was another 30 days left before the draft was due.Case1Page 23案例案例匯票到期時(shí)收回貨款的可能性匯票到期時(shí)收回貨款的可能性 中國(guó)中國(guó)A 公司向韓國(guó)公司向韓國(guó)B公司出口一批貨物，付款方式為付公司出口一批貨物，付款方式為付款交單款交單90天后付款。貨物出運(yùn)后。匯票及貨運(yùn)單據(jù)通過(guò)出天后付款。貨物出運(yùn)后。匯票及貨運(yùn)單據(jù)通過(guò)出口地的托

21、收銀行寄抵國(guó)外代收行，口地的托收銀行寄抵國(guó)外代收行，B公司進(jìn)行了匯票承兌。公司進(jìn)行了匯票承兌。貨抵目的港后，由于用貨心切，貨抵目的港后，由于用貨心切，B商于是出具了信托收據(jù)商于是出具了信托收據(jù)向本地代收行借得貨運(yùn)單據(jù)，先行提貨轉(zhuǎn)售。當(dāng)匯票到期向本地代收行借得貨運(yùn)單據(jù)，先行提貨轉(zhuǎn)售。當(dāng)匯票到期時(shí)，時(shí)，B商因經(jīng)營(yíng)不善，失去償付能力。代收行以匯票付款商因經(jīng)營(yíng)不善，失去償付能力。代收行以匯票付款人拒付為由通知托收行，并建議由人拒付為由通知托收行，并建議由A公司直接向公司直接向B商索取商索取貨款。此時(shí)距離匯票到期日還有貨款。此時(shí)距離匯票到期日還有30天。天。 Page 24Possible answer

22、 For Usance D/P transaction, if the payment date is later than the date of arrival of the goods, the importer, in order to seize the opportunity for resale the goods, can adopt the following two approaches. Firstly, to effect payment before the due date to redeem the documents, while deducting the i

23、nterests between the real and originally contracted date of payments as a cash discount for the importer for the advanced payment. Another approach is, for importer with good credit standing, the collecting bank will allow the importer to borrow the shipping documents against trust receipt and take

24、delivery of the goods in advance. Payment will be made when the draft is due. This is a credit facility provided by the collecting bank for the importer and has nothing to do with the exporter. Therefore, if the collecting bank cannot get the money back after the documents have been released to the

25、importer, the collecting bank should be responsible for the consequence. However, if the collecting bank is instructed by the exporter to release the documents, that is, the exporter authorizes the collecting bank to give the documents to the importer against trust receipt, which is called usance D/

26、PT/R , the risk of dishonor will be borne by the exporter itself. Therefore, the exporter should be especially careful when adopting this usance D/P T/R model. In this case, the collecting bank informed the remitting bank the rejection of payment by the importer and suggested company A to collect th

27、e money back directly from company B. This solution need to be re-considered. If its the collecting banks decision to release the documents, the bank should assume the responsibility; if the collecting banks decision to release the documents, the bank should assume the responsibility; if the collect

28、ing bank was instructed by the exporter to release the documents, the exporter should bear the consequence itself.Page 25答案：中文答案：中文 在遠(yuǎn)期付款交單的條件下，如果付款日期晚于到貨日期，進(jìn)口在遠(yuǎn)期付款交單的條件下，如果付款日期晚于到貨日期，進(jìn)口商為了抓住有利時(shí)機(jī)轉(zhuǎn)售貨物，可以采取兩種做法：一是在付款商為了抓住有利時(shí)機(jī)轉(zhuǎn)售貨物，可以采取兩種做法：一是在付款到期日之前付款贖單，扣除提前付款日至原付款到期日之間的利到期日之前付款贖單，扣除提前付款日至原付款到期日之間的利息，

29、作為進(jìn)口商享受的一種提前付款的現(xiàn)金折扣。另一種做法是息，作為進(jìn)口商享受的一種提前付款的現(xiàn)金折扣。另一種做法是代收行對(duì)于資信較好的進(jìn)口商，允許其憑信托收據(jù)借取貨運(yùn)單據(jù)，代收行對(duì)于資信較好的進(jìn)口商，允許其憑信托收據(jù)借取貨運(yùn)單據(jù)，先行提貨，于匯票到期時(shí)再付清貨款，這是代收行自己向進(jìn)口商先行提貨，于匯票到期時(shí)再付清貨款，這是代收行自己向進(jìn)口商提供的信用便利，而與出口商無(wú)關(guān)。因此，如代收行借出單據(jù)后，提供的信用便利，而與出口商無(wú)關(guān)。因此，如代收行借出單據(jù)后，到期不能收回貨款，則應(yīng)由代理行負(fù)責(zé)。但如系出口商指示代收到期不能收回貨款，則應(yīng)由代理行負(fù)責(zé)。但如系出口商指示代收行借單，就是由出口商主動(dòng)授權(quán)銀行憑信

30、托收據(jù)借單給進(jìn)口商，行借單，就是由出口商主動(dòng)授權(quán)銀行憑信托收據(jù)借單給進(jìn)口商，即所謂遠(yuǎn)期付款交單，憑信托收據(jù)借單方式，也就是進(jìn)口商承兌即所謂遠(yuǎn)期付款交單，憑信托收據(jù)借單方式，也就是進(jìn)口商承兌匯票后憑信托收據(jù)先行借單提貨，日后如進(jìn)口商到期拒付的風(fēng)險(xiǎn)，匯票后憑信托收據(jù)先行借單提貨，日后如進(jìn)口商到期拒付的風(fēng)險(xiǎn)，應(yīng)由出口商自己承擔(dān)。因此，使用遠(yuǎn)期付款交單憑信托收據(jù)借單應(yīng)由出口商自己承擔(dān)。因此，使用遠(yuǎn)期付款交單憑信托收據(jù)借單方式時(shí)出口商必須特別慎重。本案中，代收行以匯票付款人拒付方式時(shí)出口商必須特別慎重。本案中，代收行以匯票付款人拒付為由通知托收行，并建議由為由通知托收行，并建議由A A公司直接向公司直接

31、向B B商索取貨款的處理意見(jiàn)商索取貨款的處理意見(jiàn)值得商榷。如銀行擅自放單，則由代收行值得商榷。如銀行擅自放單，則由代收行承擔(dān)責(zé)任；如出口商授承擔(dān)責(zé)任；如出口商授權(quán)銀行放單給進(jìn)口商，其后果由其自身承擔(dān)。權(quán)銀行放單給進(jìn)口商，其后果由其自身承擔(dān)。Page 261.4.3 According to different acceptor, the bills of exchange can be classified into Commercial Acceptance Draft and Bankers Acceptance Draft 按承兌人的不同，分為按承兌人的不同，分為商業(yè)承兌匯票商業(yè)承兌匯票

32、和和銀行承兌匯票。銀行承兌匯票。Page 27Sample of Commercial Acceptance Draft 商業(yè)承兌匯票樣本商業(yè)承兌匯票樣本Page 28Sample of Bankers Acceptance Draft 銀行承兌匯票樣本銀行承兌匯票樣本Page 291.4.4 According to the bill of exchange is accompanied by shipping documents or not, the bills of exchange can be classified into Clean Draft and Documentary

33、Draft 按是否隨附貨運(yùn)單據(jù)，分為按是否隨附貨運(yùn)單據(jù)，分為光票和跟單匯票光票和跟單匯票P(pán)age 301.5 Bills of Exchange Act 匯票的行為 (1) To Draw出票出票 (2) Presentation提示提示 (3) Acceptance承兌承兌 (4)Payment付款付款 (5) Endorsement背書(shū)背書(shū) (6) Dishonor 拒付拒付 (7) Recourse追索追索 (8) Discount貼現(xiàn)貼現(xiàn)Page 312. Promissory note本票2.1 Definition 含義 Promissory note: It is An unco

34、nditional promise in writing made by the drawer to the payee or the holder signed by the drawer engaging to pay on demand or at a fixed or determinable future time a certain sum of money to or to the order of a specified person or to the bearer. 本票本票:是出票人簽發(fā)的，承諾自己在見(jiàn)票時(shí)或可是出票人簽發(fā)的，承諾自己在見(jiàn)票時(shí)或可以確定的時(shí)間，無(wú)條件支付確

35、定的金額給收款人以確定的時(shí)間，無(wú)條件支付確定的金額給收款人或者持票人的票據(jù)?；蛘叱制比说钠睋?jù)。Page 322.2 Essential Elements of Promissory note 本票的基本內(nèi)容(1)Promissory Note “本票本票”字樣字樣(2)Unconditional Payment Promise 無(wú)條件支付無(wú)條件支付的承諾的承諾(3)the Sum Certain in Money確定的金額確定的金額(4)Payee收款人名稱(chēng)收款人名稱(chēng)(5)Date of Issue出票日期出票日期(6)Tenor付款期限付款期限(7)Drawer出票人簽章出票人簽章Page

36、33Specimen of Promissory Note本票必要項(xiàng)目式樣 Page 342.3 Classification of Promissory note 本票的種類(lèi) According to different drawer, promissory note can be classified into Commercial Promissory Note and Bank Promissory Note. 根據(jù)出票人不同，本票分為根據(jù)出票人不同，本票分為商業(yè)本票和銀行商業(yè)本票和銀行本票本票P(pán)age 35Sample of Bank Promissory Note 銀行本票樣本銀行

37、本票樣本Sample1Page 36Sample2Page 373. Check/Cheque支票3.1 Definition支票的含義支票的含義 Cheque, Check: A check is an unconditional order in writing drawn on banker signed by the drawer, requiring the banker to pay on demand a sum certain in money to or to the order of a specified person or to bearer. Cheque can o

38、nly be sight. 支票是銀行存款戶對(duì)銀行簽發(fā)的授權(quán)銀行對(duì)特支票是銀行存款戶對(duì)銀行簽發(fā)的授權(quán)銀行對(duì)特定的人或其指定人或持票人在見(jiàn)票時(shí)無(wú)條件支付定的人或其指定人或持票人在見(jiàn)票時(shí)無(wú)條件支付一定金額的書(shū)面命令。支票都是即期的。一定金額的書(shū)面命令。支票都是即期的。Page 383.2 Essential elements of Check/Cheque支票的基本內(nèi)容(1)the Words of Cheque/Check“支票支票”字樣字樣(2)Unconditional Payment Promise無(wú)條件支付承無(wú)條件支付承諾諾(3)a Certain Amount of Money一定金額

39、的貨幣一定金額的貨幣(4)the Issuance Date and Place出票日期和出票出票日期和出票地點(diǎn)地點(diǎn)(5)Name and Location of Paying Bank付款行名付款行名稱(chēng)和地點(diǎn)稱(chēng)和地點(diǎn)(6)Tenor付款期限付款期限(7)Payee收款人收款人(8)Drawer出票人簽章出票人簽章Page 39Specimen of Cheque/Check 支票必要項(xiàng)目式樣 Page 403.3 Classification of Check/Cheque支票的種類(lèi)3.3.1 According to whether there are two parallel lines

40、 drawn on the face of the cheque or not, Check/Cheque can be classified into crossed cheque and open cheque. 按支票票面上有無(wú)劃線，分為按支票票面上有無(wú)劃線，分為劃線支票和非劃線支票。劃線支票和非劃線支票。Page 41Sample of Crossed Cheque 劃線支票樣本劃線支票樣本Page 423.3.2 Travelers Cheque旅行支票旅行支票Sample of Travelers Cheque 旅行支票樣本旅行支票樣本Page 433.3.3 Cash Chequ

41、e or Money Transfer Cheque 現(xiàn)金支票和轉(zhuǎn)賬支票現(xiàn)金支票和轉(zhuǎn)賬支票 Cash cheque or Money Transfer Cheque：Cash cheque can only be used to withdraw cash. Money Transfer Cheque can only be used by banks or other financial institution transfers. 現(xiàn)金支票和轉(zhuǎn)賬支票：現(xiàn)金支票只能用于支取現(xiàn)金支票和轉(zhuǎn)賬支票：現(xiàn)金支票只能用于支取現(xiàn)金；轉(zhuǎn)賬支票只能用于通過(guò)銀行或其他金融機(jī)現(xiàn)金；轉(zhuǎn)賬支票只能用于通過(guò)銀行或其他金

42、融機(jī)構(gòu)轉(zhuǎn)賬。構(gòu)轉(zhuǎn)賬。Page 44Sample of Cash cheque現(xiàn)金支票樣本現(xiàn)金支票樣本 Sample 1Page 45 Sample 2Page 46Sample of Money Transfer Cheque 轉(zhuǎn)賬支票樣本轉(zhuǎn)賬支票樣本Page 474. The Differences Between Bill of Exchange, Promissory Note and Cheque 匯票、本票與支票的區(qū)別Page 48Section TwoModes of International Payment第二節(jié) 國(guó)際結(jié)算方式Page 49Content of the Sect

43、ion本節(jié)主要內(nèi)容本節(jié)主要內(nèi)容1.Remittance匯款匯款2. Collection 托收托收3.Letter of Credit，L/C信用證信用證 4.Bankers Letter of Guarantee, L/G 銀行保函銀行保函 Sample & Case 2、3、4 ( (雙語(yǔ)案例雙語(yǔ)案例) )Page 501.1 Definition 匯款的含義 Remittance: Remittance refers to a bank (the remitting bank), at the request of its customer (the remitter), tra

44、nsfers a certain sum of money to its overseas branch or correspondent bank (the paying bank) instructing it to pay to a named person (the payee/beneficiary) domiciled in that country. 匯款匯款:又稱(chēng)匯付，是指匯款人委托銀行，以一定的又稱(chēng)匯付，是指匯款人委托銀行，以一定的方式將款項(xiàng)匯交收款人的結(jié)算方式。方式將款項(xiàng)匯交收款人的結(jié)算方式。Page 511.2 Parties in Remittance匯款的當(dāng)事人 Re

45、mitter匯款人匯款人 Payee收款人收款人 Remitting Bank匯出行匯出行 Paying Bank匯入行匯入行Page 521.3 Classification of Remittance 匯款的種類(lèi)1.3.1 Telegraphic Transfer, T/T電匯電匯(小額小額) The characteristics of T/T are speedy, safe and reliable, but the cost is higher. In international trade, T/T is one of the most commonly used ways in

46、 the method of remittance. 電匯的特點(diǎn)是付款速度快，安全可靠，但費(fèi)用較高。在電匯的特點(diǎn)是付款速度快，安全可靠，但費(fèi)用較高。在國(guó)際貿(mào)易中，電匯是各種匯款方式中使用最多的一種方式。國(guó)際貿(mào)易中，電匯是各種匯款方式中使用最多的一種方式。Page 531.3.2 Mail Transfer, M/T信匯 Mail transfer is characterized by relatively low cost, but long time for receiving the payment. therefore, it is rarely used. 信匯的特點(diǎn)是費(fèi)用較低，但耗

47、時(shí)長(zhǎng)，因此，目前使用得信匯的特點(diǎn)是費(fèi)用較低，但耗時(shí)長(zhǎng)，因此，目前使用得很少。很少。Page 54The Business process diagram of T/T& M/T電/信匯業(yè)務(wù)程序圖Buyers and sellers conclude a contract, confirm to use T/T or M/T to pay. 買(mǎi)賣(mài)雙方訂立合同，確認(rèn)采用電匯或信匯方式付款The remitter gives his signed written application to his bank, instructing to transfer the funds throug

48、h T/T.匯款人填寫(xiě)電匯或信匯申請(qǐng)書(shū)，交款付費(fèi)The remitting bank will stamp on the application form and return the customers copy to the remitter for record.匯出行向匯款人簽發(fā)回執(zhí)Page 55The remitting bank will debit the remitters a/c with the amount to be remitted together with its commission and cable charges (if any) and then iss

49、ue and send the payment instruction by cable/telex/SWIFT to the paying bank. 匯出行向匯入行發(fā)出匯款委托書(shū)匯出行向匯入行發(fā)出匯款委托書(shū) Upon receipt the cable message, the paying bank verifies it against the test key or SEIFT authenticate key (SAK) before it notifies the beneficiary with a copy of the cable message. 匯入行向收款人發(fā)出電、信

50、匯通知書(shū)，通知收款人提款匯入行向收款人發(fā)出電、信匯通知書(shū)，通知收款人提款The beneficiary presents the copy to the paying bank for payment. 收款人憑取款通知書(shū)到匯入行取款收款人憑取款通知書(shū)到匯入行取款The paying bank checks the identity of the beneficiary before releasing the funds to him. 匯入行付款給收款人匯入行付款給收款人The paying bank will claim reimbursement according to the re

51、imbursement clause stated in the cable message. 匯入行向匯出行發(fā)出付訖通知書(shū)匯入行向匯出行發(fā)出付訖通知書(shū)Page 561.3.3 Remittance by Bankers Demand Draft, D/D 票匯The Business process diagram of D/D 票匯業(yè)務(wù)流程圖票匯業(yè)務(wù)流程圖Buyers and sellers conclude a contract, confirm to use D/D to pay.買(mǎi)賣(mài)雙方訂立合同，確認(rèn)采用票匯方式付款The remitter gives his signed writ

52、ten application to his bank instructing the bank to transfer the funds by D/D.匯款人向匯出行提交票匯申請(qǐng)并交款付費(fèi)Page 57The remitting bank will check the remitters account with him. If it is positive, the remitting bank will debit the account and draw a draft on the paying bank payable to the beneficiary. 匯出行簽發(fā)銀行即期匯

53、票給匯款人匯出行簽發(fā)銀行即期匯票給匯款人 The remitter will send the draft to the beneficiary. 匯款人將匯票寄給收款人匯款人將匯票寄給收款人The remitting bank will keep the paying bank aware of the remittance via inter-bank system. 匯出行將匯票通知書(shū)寄匯入行匯出行將匯票通知書(shū)寄匯入行 Upon receipt of the draft, the beneficiary will present the draft for payment to the

54、paying bank. 收款人憑銀行即期匯票到匯入行取款收款人憑銀行即期匯票到匯入行取款A(yù)fter authentication of the draft against authorized signature, the paying bank will release the funds to the beneficiary. 匯入行核對(duì)匯票，向收款人付款匯入行核對(duì)匯票，向收款人付款The paying bank will claim reimbursement against the remitting bank.匯入行將付訖通知書(shū)寄送匯出行匯入行將付訖通知書(shū)寄送匯出行Page 581

55、.4 Characteristics of Remittances匯款的特點(diǎn) In the remittance business, banks only offer services ，assume no payment responsibilities, so remittance is established on the basis of commercial credit payment. 在匯款業(yè)務(wù)中，銀行參與其間只提供服務(wù)，不在匯款業(yè)務(wù)中，銀行參與其間只提供服務(wù)，不承擔(dān)付款責(zé)任，故匯款是建立在商業(yè)信用基礎(chǔ)上承擔(dān)付款責(zé)任，故匯款是建立在商業(yè)信用基礎(chǔ)上的結(jié)算方式。的結(jié)算方式。Page

56、 592. Collection 托收托收(無(wú)奈之舉無(wú)奈之舉)2.1 Definition 托收的含義 Collection is an arrangement whereby the goods are shipped and the relevant instrument is drawn by the seller on the buyer, and/or document (s) is sent to the sellers bank with clear instructions for collection through one of its correspondent bank

57、s located in the domicile of the buyer. 托收體現(xiàn)托收體現(xiàn)商業(yè)信用。出口商出口商(或債權(quán)人或債權(quán)人)開(kāi)立金開(kāi)立金融票據(jù)或商業(yè)單據(jù)或兩者兼有，委托融票據(jù)或商業(yè)單據(jù)或兩者兼有，委托托收行托收行通過(guò)通過(guò)其聯(lián)行或代理行向其聯(lián)行或代理行向進(jìn)口商進(jìn)口商(或債務(wù)人或債務(wù)人)收取貨款或收取貨款或勞務(wù)費(fèi)用的結(jié)算方式。勞務(wù)費(fèi)用的結(jié)算方式。Page 602.2 Parties托收的當(dāng)事人托收的當(dāng)事人Principal委托人委托人Remitting Bank托收行托收行Collecting Bank代收行代收行Payer付款人付款人Page 612.3 Classificatio

58、ns 托收的種類(lèi)托收的種類(lèi)光票托收光票托收付款交單付款交單托收托收種類(lèi)種類(lèi)Page 62Business Process Diagram of Document Against Payment付款交單業(yè)務(wù)流程圖付款交單業(yè)務(wù)流程圖Page 63Procedure of Documentary Collection跟單托收業(yè)務(wù)流程圖跟單托收業(yè)務(wù)流程圖 The Buyer and the seller conclude the sales contract, confirming to use Documentary Collection to pay.買(mǎi)賣(mài)雙方訂立合同，并規(guī)定以跟單托收方式結(jié)算。

59、The exporter authorizes the local bank to effect the collection, submitting the full set of shipping documents with draft to the remitting bank.出口人委托當(dāng)?shù)劂y行代收貨款，將全套單據(jù)和匯票交托收行。Page 64 The remitting bank sends the draft and the shipping documents to the collecting bank of the importers country together wi

60、th the instructions received from the exporter. 托收行將匯票和貨運(yùn)單據(jù)寄交進(jìn)口地銀行（代收行），托收行將匯票和貨運(yùn)單據(jù)寄交進(jìn)口地銀行（代收行），并說(shuō)明托收委托書(shū)上的各項(xiàng)指示。并說(shuō)明托收委托書(shū)上的各項(xiàng)指示。 The presenting bank makes presentation of the payment advice to the buyer. 提示行向買(mǎi)方做付款提示。提示行向買(mǎi)方做付款提示。 The importer makes the payment and gets the documents. 進(jìn)口人付清貨款，贖取全套單據(jù)進(jìn)口人付清貨款，贖取全套單據(jù)