SWIFT報文標(biāo)準(zhǔn)在支付業(yè)務(wù)中的應(yīng)用匯總課件

2022/12/10SWIFT報文標(biāo)準(zhǔn)在支付業(yè)務(wù)中的應(yīng)用

運(yùn)營服務(wù)總部（收付清算）2011年6月21日2022/12/10SWIFT報文標(biāo)準(zhǔn)在支付業(yè)務(wù)中的應(yīng)用

運(yùn)1標(biāo)準(zhǔn)用戶社群通訊平臺1標(biāo)準(zhǔn)用戶社群通訊平臺2Category1–客戶匯款與支票CUSTOMERPAYMENT&CHEQUESCategory2–銀行頭寸調(diào)撥FINANCIALINSTITUTIONTRANSFERSCategory3–外匯買賣、貨幣市場及衍生工具FOREIGNEXCHANGE,MONEYMARKETS&DEVIRATIVESCategory4–托收COLLECTIONS&CASHLETTERSCategory5–證券業(yè)務(wù)SECURITIESMARKETSCategory6–銀團(tuán)貸款和貴金屬業(yè)務(wù)PRECIOUSMETALS&SYNDICATIONSCategory7–跟單信用證和保函DOCUMENTARYCREDIT&GUARANTEESCategory8–旅行支票TRAVELLERSCHEQUESCategory9–銀行和客戶賬務(wù)CASHMANAGEMENT&CUSTOMERSTATUSCategory0–SWIFT系統(tǒng)報文SYSTEMMESSAGES2Category1–客戶匯款與支票CUSTOMER3客戶匯款銀行頭寸調(diào)撥銀行賬務(wù)銀行費(fèi)用交流內(nèi)容3客戶匯款銀行頭寸調(diào)撥銀行賬務(wù)銀行費(fèi)用交流內(nèi)容4客戶匯款MT103單筆客戶匯款4客戶匯款MT103單筆客戶匯款4報文由匯款行或接受匯款委托的銀行直接或通過代理行發(fā)送給另一家銀行，用來發(fā)送付款指令的報文格式。MT103單筆客戶匯款4報文由匯款行或接受匯款委托的銀行直接或通過代理行發(fā)送給另一4StatusTagFieldNameContent/OptionsM20Sender’sReference16x-------->

O13CTimeindication/8c/4!n1!x4!n--------|

M23BBankOperationCode4!c--------->

O23EInstructionCode4!c[/30x]---------|

O26TTransactionTypeCode3!aM32AValueDate/Currency/InterbankSettledAmount6!n3!a15dO33BCurrency/InstructedAmount3!a15dO36ExchangeRate12dM50aOrderingCustomerA、KorFO51ASendingInstitution[/1!a][/34x]4!a2!a2!c[3!c]O52aOrderingInstitutionAorDO53aSender’sCorrespondentA,BorDO54aReceiver’sCorrespondentA,BorDO55aThirdReimbursementInstitutionA,BorDO56aIntermediaryInstitutionA,CorDO57aAccountWithInstitutionA,B,CorDM59aBeneficiaryCustomerAornoletteroptionO70RemittanceInformation4*35xM71ADetailsofCharges3!a4StatusTagFieldNameContent/Op4O71FSender’sCharges3!a15d----|O71GReceiver’sCharges3!a15dO72SendertoReceiverInformation6*35xO77BRegulatoryReporting3*35xO77TEnvelopeContents9000zM=MandatoryO=Optional471FSender’sCharges3!a15d----5案例一Bike4U是的蘇黎世的自行車進(jìn)口商，該公司向紐約一家大供應(yīng)商SilverWings訂購了一批兒童踏板車。Bikes4U的賬戶行為蘇黎世的UBSAG（UBSWCHZH），SilverWings的賬戶行為紐約Citibank（CITIUS33)。Bikes4U指示其賬戶行將款項(xiàng)匯到收款人的賬戶行，匯款金額為USD99,000，發(fā)票號碼為6789。5案例一Bike4U是的蘇黎世的自行車進(jìn)口商，該公司向紐約6Bikes4U,ZurichUBSWCHZHCITIUS33SilverWings,NewYorkMT1036Bikes4U,ZurichMT103750a：匯款人選項(xiàng)50A[/34x]4!a2!a2!c選項(xiàng)50F35x4*35X選項(xiàng)50K[/34x]4*35X750a：匯款人選項(xiàng)50A[/34x]選項(xiàng)50F850a：匯款人格式一：/34x1!n/33x格式二：4!a/2!a/27x1!n/33x選項(xiàng)50F35x4*35X850a：匯款人格式一：/34x格式二：4!a/2!10數(shù)字代碼：付款人名稱地址國家和城市生日出生地客戶識別號碼公民身份號碼附加信息代碼詞：ARUN國外注冊號CCPT護(hù)照號碼CUST客戶識別號碼DRLC駕照號碼EMPL雇主號碼IBEI國際商業(yè)實(shí)體標(biāo)識NIDN公民身份號碼SOSE社會保險號碼TXID納稅標(biāo)識號碼10數(shù)字代碼：代碼詞：950F：/123456781/SMITHJOHN2/299，PARKAVENUE3/US/NEWYORK，NY1001750F：DRLC/BE/BRUSSELS/NB09490421/DUPONTJACQUES2/HIGHSTREET6，APT6C3/BE/BRUSSELS50F：CUST/DE/ABCBANK/123456789/8-1234561/MAINGEORG2/LOWSTREET73/DE/FRANKFURT8/7890950F：/1234567850F：DRLC/BE/BRUS1059a：收款人選項(xiàng)59A[/34x]4!a2!a2!c選項(xiàng)59[/34x]4*35X1059a：收款人選項(xiàng)59A[/34x]選項(xiàng)59SenderUBSWCHZHMessageType103ReceiverCITIUS3311MSender’sreference20:PAY/001MBankOperationCode23B:CREDOInstructionCode23E:PHOB/2124551800MValueDate,Ccy,InterbankSettAmt32A:110313USD99000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHMBeneficiaryCustomer59:/1234567890SILVERWINGS42NDSTREETNEWYORK,NY10022ORemittanceInformation70:/INV/6789MDetailsofCharges71A:SHATRAILER(S)Sender1223E：指示代碼CHQB通過支票付款。使用CHQB，59欄位不能放入賬號。CORT公司之間貿(mào)易結(jié)算的付款。INTC同一集團(tuán)內(nèi)部兩個公司之間的付款。SDVA付款日也是起息日。匯款必須在同一天交到收款人手里。HOLD前來取款，驗(yàn)明身份后付款。REPA是關(guān)于電子支付參號下的付款。PHON請電話通知帳戶人。PHOB請電話通知收款人。PHOI請電話通知中間行。TELE請用最有效的通訊方式通知帳戶行。TELB請用最有效的通訊方式通知收款人。TELI請用最有效的通訊方式通知中間行。

1223E：指示代碼CHQB通過支票付款。使用CHQ1370：匯款信息格式：4*35x代碼詞INV發(fā)票信息，后跟日期、參號和發(fā)票詳情。IPI標(biāo)識相關(guān)國際付款指令的唯一參號RFB收款人參號ROC匯款人參號TSUTSU交易參號，代碼字放在兩個斜線之間，后跟發(fā)票號、單斜線、支付的金額。1370：匯款信息格式：4*35x代碼詞14假設(shè)進(jìn)口商Bikes4U指示UBSAG,Zurich向出口商SilverWings支付瑞士法郎，金額為CHF108,000。UBS與Citibank之間有直接賬戶關(guān)系。案例二14假設(shè)進(jìn)口商Bikes4U指示UBSAG,ZuricSenderUBSWCHZHMessageType103ReceiverCITIUS3315MSender’sreference20:PAY/002MBankOperationCode23B:CREDOInstructionCode23E:PHOB/2124551800MValueDate,Ccy,InterbankSettAmt32A:110313CHF108000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHMBeneficiaryCustomer59:/1234567890SILVERWINGS42NDSTREETNEWYORK,NY10022ORemittanceInformation70:/INV/6789MDetailsofCharges71A:SHATRAILER(S)Sender16MT103的貨幣符號指明了支付（借記/貸記）的方向：付款指令，授權(quán)借記付款指令，貸記證實(shí)16MT103的貨幣符號指明了支付（借記/貸記）的方向：17SilverWings在法國巴黎設(shè)有分公司，Bikes4U向SilverWings的巴黎分公司以同樣的價格購買另一批兒童踏板車。SilverWings做促銷活動，要求Bikes4U在2011年3月底前先支付CHF5,000押金，付款信息中列明“specialoffer”。Bikes4U指示其賬戶行–UBSAG，Zurich向SilverWings的歐元賬戶行SocieteGenerale，Paris（SOGEFRPP）匯款CHF5,000。UBSAG在SOGEFRPP開立歐元賬戶。1EUR=1,61CHF5,000CHF*0,61988=3099,42EUR案例三17SilverWings在法國巴黎設(shè)有分公司，Bikes18Bikes4U,ZurichUBSWCHZHSOGEFRPPSilverWings,ParisMT10318Bikes4U,ZurichMT10319SenderUBSWCHZHMessageType103ReceiverSOGEFRPPMSender’sreference20:PAY/003MBankOperationCode23B:CREDMValueDate,Ccy,InterbankSettAmt32A:110313EUR3099,42OCurrency/InstructedAmount33B:CHF5000,OExchangeRate36:0,61988MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHMBeneficiaryCustomer59:/FR7691000016600000090130601SILVERWINGS36AVENUEDESCHAMPSELYSEES75002PARISORemittanceInformation70:/RFB/SPECIALOFFERMDetailsofCharges71A:SHA19Sender20如果報文中有71F或71G欄位，則33B必選。如果收報行和發(fā)報行BIC中的國家代字同時包含在下列清單中，則33B必選。33B：匯款人指示的幣種和金額20如果報文中有71F或71G欄位，則33B必選。33B：匯21SilverWings在墨西哥有分公司。Bikes4U指示其賬戶行UBSAG，Zurich（UBSWCHZH)向SilverWings在BancoDeMexico，Mexico（BDEMMXMM）的美元賬戶行匯款，金額為USD25,000。UBSAG美元代理行是Citibank，NewYork（CITIUS33），支付的發(fā)票號碼為AZV1470?？铐?xiàng)到帳后，要求以最有效的通訊方式通知收款人SilverWings。費(fèi)用由交易雙方各自承擔(dān)。案例四21SilverWings在墨西哥有分公司。案例四Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，Mexico22MT103Bikes4U，Zurich22MT103

2357a：帳戶行選項(xiàng)57A[/1!a][/34x]4!a2!a2!c[3!a]選項(xiàng)57B[/1!a][/34x][35x]選項(xiàng)57C/34x選項(xiàng)57D[/1!a][/34x]4*35x57a：帳戶行選項(xiàng)57A[/1!a][/3424

SenderUBSWCHZHMessageType103ReceiverCITIUS33MSender’sreference20:PAY/004MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt

32A:110313USD25000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOAccountwithInstitution57A:BDEMMXMMMBeneficiaryCustomer59:/33225678SILVERWINGSPASEODELAREFORMA11606600MEXICOORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:SHATRAILER(S)24Sender25紐約Citibank收到此筆MT103匯款指令后，繼續(xù)將匯款指令傳遞給下一家銀行。CITIUS33收取USD12費(fèi)用。

Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，MexicoMT10325紐約Citibank收到此筆MT103匯款指令后，繼續(xù)將2652a：匯款行選項(xiàng)52A[/1!a][/34x]4!a2!a2!c[3!a]選項(xiàng)52D[/1!a][/34x]4*35x52a：匯款行選項(xiàng)52A[/1!a][/34x]27

SenderCITIUS33MessageType103ReceiverBDEMMXMMMSender’sreference20:CUS/9232MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt

32A:110313USD24988,OCurrency/instructedAmount33B:USD25000，MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOOrderingInstitution52A:UBSWCHZHMBeneficiaryCustomer59:/33225678SILVERWINGSPASEODELAREFORMA11606600MEXICOORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:SHAOSeder’sCharges71F:USD12,CITIUS33收取USD12費(fèi)用27Sender2871A：費(fèi)用細(xì)則SHA交易中發(fā)報行方面的收費(fèi)由匯款人承擔(dān)，收款人承擔(dān)收報行的費(fèi)用。OUR交易中雙方的收費(fèi)均由匯款人承擔(dān)。BEN交易中雙方的收費(fèi)均有收款人承擔(dān)。2871A：費(fèi)用細(xì)則SHA交易中發(fā)報行方面的收費(fèi)由匯29Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，MexicoMT103MT103SHAOURBEN29Bikes4U，ZurichMT103MT103SHA30如果71A則71F則71GBEN必選不使用SHA可選不使用OUR不使用可選71F：發(fā)報行的收費(fèi)71G：收報行的收費(fèi)30如果71A則71F則71GBEN必選不使用SHA可選不使31如果本案例中由匯款人支付所有費(fèi)用。CITIUS33的費(fèi)用為USD12。由于BDEMMXMM與UBSAG之間沒有賬戶關(guān)系，因此UBSAG當(dāng)前不知道BDEMMXMM的收費(fèi)情況。31如果本案例中由匯款人支付所有費(fèi)用。Bikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，Mexico32MT103OURBikes4U，Zurich32MT103OUR33

SenderUBSWCHZHMessageType103ReceiverCITIUS33MSender’sreference20:PAY/004MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt

32A:110313USD25012,OCurrency/InstructedAmount33B:USD25000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOAccountwithInstitution57A:BDEMMXMMMBeneficiaryCustomer59:/33225678SILVERWINGSPASEODELAREFORMA11606600MEXICOORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:OURODetailsofCharges71G:USD12，33SenderBikes4U，ZurichUBSWCHZHCITIUS33BDEMMXMMSilverWings，Mexico34MT103BEN假設(shè)費(fèi)用由收款人支付：UBSWCHZH收費(fèi)US20CITIUS33收費(fèi)USD12BDEMMXMM收費(fèi)USD11Bikes4U，Zurich34MT103BEN假設(shè)費(fèi)用由35

SenderUBSWCHZHMessageType103ReceiverCITIUS33MSender’sreference20:PAY/004MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt

32A:110313USD24980,OCurrency/InstructedAmount33B:USD25000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOAccountwithInstitution57A:BDEMMXMMMBeneficiaryCustomer59:/33225678SILVERWINGSPASEODELAREFORMA11606600MEXICOORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:BENODetailsofCharges71F:USD20，35Sender36

SenderCITIUS33MessageType103ReceiverBDEMMXMMMSender’sreference20:CUS/9232MBankOperationCode23B:CREDOInstructionCode23E:TELBMValueDate,Ccy,InterbankSettAmt

32A:110313USD24968,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOAccountwithInstitution52A:UBSWCHZHMBeneficiaryCustomer59A:/33225678WINGMXMMORemittanceInformation70:/INV/AZV1470MDetailsofCharges71A:BENODetailsofCharges71F:USD20，ODetailsofCharges71F:USD12，TRAILER(S)36Sender37KlausZiegler是Bikes4U的總裁，計劃到泰國度假。Klaus指示UBSAGZurich（UBSWCHZH）匯款USD3,500給自己，款項(xiàng)匯到曼谷的KasikornbankPublicCompanyLimited（KASITHBK）。Klaus屆時憑借其護(hù)照支取款項(xiàng)（護(hù)照號碼：V631006）。Klaus指示銀行自己作為收款人收取款項(xiàng)時支付銀行費(fèi)用。UBSAG的美元賬戶行是BarclaysBankPlc，NewYork（BARCUS33），并且KASITHBK在紐約的BankofNewYork（IRVTUS3N）開立美元賬戶。案例五37KlausZiegler是Bikes4U的總裁，計劃KlausZieglerUBSWCHZHBARCUS33IRVTUS3NKASITHBKKlausZiegler38MT103KlausZiegler38MT1033956a：中間行選項(xiàng)56A[/1!a][/34x]4!a2!a2!c[3!a]選項(xiàng)56D[/1!a][/34x]4*35x選項(xiàng)56C/34x3956a：中間行選項(xiàng)56A[/1!a][/3440

SenderUBSWCHZHMessageType103ReceiverBARCUS33MSender’sreference20:PAY/005MBankOperationCode23B:CREDOInstructionCode23E:HOLD/SWISSPASSPORTNO.V631006MValueDate,Ccy,InterbankSettAmt

32A:110313USD3480,OCurrency/InstructedAmount33B:USD3500,MOrderingCustomer50K:/CH9300761234567890123KLAUSZIEGLERPELIKANSTRASSE348022ZURICHOIntermediaryInstitution56A:IRVTUS3NOAccountwithInstitution57A:KASITHBKMBeneficiaryCustomer59:KLAUSZIEGLERPELIKANSTRASSE348022ZURICHMDetailsofCharges71A:BENODetailsofCharges71F:USD20，TRAILER(S)40SenderKlausZieglerUBSWCHZHBARCUS33IRVTUS3NKASITHBKKlausZiegler41MT103BARCUS33收取費(fèi)用USD15。KlausZiegler41MT103BARCUS33收取42

SenderBARCCUS33MessageType103ReceiverIRVTUS3NMSender’sreference20:12345MBankOperationCode23B:CREDOInstructionCode23E:HOLD/SWISSPASSPORTNO.V631006MValueDate,Ccy,InterbankSettAmt

32A:110313USD3465,OCurrency/InstructedAmount33B:USD3500,MOrderingCustomer50K:/CH9300761234567890123KLAUSZIEGLERPELIKANSTRASSE348022ZURICHOIntermediaryInstitution52A:UBSWCHZHOAccountwithInstitution57A:KASITHBKMBeneficiaryCustomer59:KLAUSZIEGLERPELIKANSTRASSE348022ZURICHMDetailsofCharges71A:BENODetailsofCharges71F:USD20，ODetailsofCharges71F:USD15，42SenderKlausZieglerUBSWCHZHBARCUS33IRVTUS3NKASITHBKKlausZiegler43MT103IRVTUS3N收取費(fèi)用USD20。KlausZiegler43MT103IRVTUS3N收取44

SenderIRVTUS3NMessageType103ReceiverKASITHBKMSender’sreference20:PT456MBankOperationCode23B:CREDOInstructionCode23E:HOLD/SWISSPASSPORTNO.V631006MValueDate,Ccy,InterbankSettAmt

32A:110313USD3445,OCurrency/InstructedAmount33B:USD3500,MOrderingCustomer50K:/CH9300761234567890123……OIntermediaryInstitution52A:UBSWCHZHMBeneficiaryCustomer59:KLAUSZIEGLERPELIKANSTRASSE348022ZURICHMDetailsofCharges71A:BENODetailsofCharges71F:USD20，ODetailsofCharges71F:USD15，ODetailsofCharges71F:USD20，OSendertoReceiverInformation72:/INS/BARCUS3344Sender4572：發(fā)報行給收報行的信息ACC給賬戶行的附言INT給中間行的附言REC給收報行的附言INS指示行，該指示行要求發(fā)報行完成該交易。4572：發(fā)報行給收報行的信息ACC給賬戶行的附言46SERIALCOVERMT103MT103MT202COVMT10346SERIALCOVERMT103MT103MT202CO47SilverWings在伊斯坦布爾開有分公司。蘇黎世的Bikes4U指示其賬戶行UBSAG，Zurich（UBSWCHZH）匯款給SilverWings伊斯坦布爾分公司，匯款金額為EUR100,000，該分公司的歐元賬戶行是伊斯坦布爾的ArabTurkishBank（ATUBTRIS）。UBSAG，Zurich向ArabTurkishBank，Istanbul發(fā)送歐元匯款指令，但收發(fā)報行之間沒有直接賬戶關(guān)系，需要中間代理行。UBSAG和ArabTurkishBank使用共同的代理行SocieteGenerale，Paris（SOGEFRPP）。案例六47SilverWings在伊斯坦布爾開有分公司。案例六Bikes4U，ZurichUBSWCHZHSOGEFRPPATUBTRISSilverWings，Istanbul48MT103Bikes4U，Zurich48MT1034953a：發(fā)報行的代理行選項(xiàng)53A[/1!a][/34x]4!a2!a2!c[3!a]選項(xiàng)53D[/1!a][/34x]4*35x選項(xiàng)53B[/1!a][/34x][35x]4953a：發(fā)報行的代理行選項(xiàng)53A[/1!a]50

SenderUBSWCHZHMessageType103ReceiverATUBTRISMSender’sreference20:PAY/006MBankOperationCode23B:CREDMValueDate,Ccy,InterbankSettAmt

32A:110313EUR100000,OCurrency/InstructedAmount33B:EUR100000,MOrderingCustomer50K:/CH9300762011623852958BIKES4UTALSTRASSE1018022ZURICHOIntermediaryInstitution53A:SOGEFRPPMBeneficiaryCustomer59:/TR330006100519786457841326SILVERWINGSVALIKONAGICADESSI1034367ISTANBULORemittanceInformation70:/INV/3233//4529//5331MDetailsofCharges71A:SHATRAILER(S)50SenderBikes4U，ZurichUBSWCHZHSOGEFRPPATUBTRISSilverWings，Istanbul51MT103MT202COVBikes4U，Zurich51MT103MT202COVSenderUBSWCHZH MessageType202COVReceiverSOGEFRPP52MSender’sreference20:PAY/012MRelatedReference21:PAY/006MValueDate,CcyCode,Amt32A:110313EUR100000,MBeneficiaryInstitution58A:ATUBTRIS