Chapter 6 Collection.ppt

1、Chapter 6. Collection,托 收,(1) Definition of Collection I. Collection is an arrangement whereby the goods are shipped and a relevant bill of exchange is drawn by the seller on the buyer, and/or shipping documents are forwarded to the sellers bank with clear instructions for collection through one of

2、its correspondent bank located in the domicile(付款地) of the buyer.,Bill of lading （title documents),Financial instrumentt,6.1 Introduction to Collection,(1) Definition of Collection,托收（collection）是委托收款的簡稱。是出口商或債權(quán)人開立金融票據(jù)或商業(yè)票據(jù)或兩者兼有，委托托收行通過其聯(lián)行或代理行向進(jìn)口商或債務(wù)人收取貨款或勞務(wù)費(fèi)用的結(jié)算方式,II. (URC522, Article 2 Definition

3、of Collection，p114) Collection means the handling by banks of documents in accordance with instructions received in order to :“托收”指銀行依所受指示處理單據(jù)，以求： i. obtain payment and /or, acceptance or獲得承兌付款，或 ii. deliver documents against payment and /or against acceptance.憑承兌付款交付單據(jù)，或 iii. Deliver documents on o

4、ther terms and conditions依其它條件交付單據(jù).,(1) Definition of Collection,Collecting Bank,Drawee Buyer Importer,1.get acceptancepayment,2.deliver documents against acceptance/payment,D/A D/P,（2）Parties to the operation of collections當(dāng)事人,1. The principal (seller/exporter/drawer) 委托人（賣方/出口商/出票人） 2. The remitti

5、ng (principals/sellers/exporters)bank 托收行（又稱寄單行）（委托人/賣方/出口商的銀行） 3. The collecting bank or presenting bank 代收行或提示行 4. The drawee ( buyer/importer) 受票人（買方/進(jìn)口商） 5. Representative in case of need 需要時(shí)的代理人,who is the party entrusting the handling of a collection to a bank,the bank to which the principal h

6、as entrusted the handling of a collection,any bank, other than the remitting bank, involved in processing the collection,the collecting bank making presentation to the drawee,the one to whom presentation is to be made in accordance with the collection instruction,托收業(yè)務(wù)可分為委托和收款兩個(gè)階段，委托人、托收行、代收行與付款人之間的關(guān)

7、系有：委托代理關(guān)系、債權(quán)債務(wù)關(guān)系。委托人與托收行、托收行與代收行之間皆為委托代理關(guān)系；委托人與付款人之間是債權(quán)債務(wù)關(guān)系。代收行與付款人之間不存在委托代理關(guān)系或契約關(guān)系。,Colleting Bank,Remitting Bank,Principal,Drawee,Documentation; Collection order,Financial Documents; Collection instruction,Documents,Acceptance; Cash payment,Collection order,Collection instruction,Representative in

8、 case of need,Non-acceptance Non-payment,托收的兩個(gè)契約關(guān)系,委托人與托收行之間的契約關(guān)系 托收行與代收行之間的契約關(guān)系,托收行發(fā)給代收行的面函,形成托收行于代收行的契約 托收行將列入托收申請書的各項(xiàng)托收指示全部轉(zhuǎn)入托收面函，不能隨便增加或減少,出口商用托收申請書發(fā)出的托收指示，形成委托人與托收行之間的契約。,6.2 Types of collection,In terms of documents related *1) Clean collection光票托收 *2) Documentary collection跟單托收,URC522 Article

9、 2 b.,“Documents” means financial documents and /or commercial documents: “Financial Documents” means bills of exchange, promissory notes, cheques, or other similar instruments used for obtaining the payment of money. “Commercial Documents” means invoices, transport documents of title or other simil

10、ar documents, or any other documents whatsoever, not being financial documents.,Chapter4. Collection,（1）Clean collection光票托收,Collection on financial instruments without being accompanied by commercial documents.,是指不附帶商業(yè)單據(jù)的金融單據(jù)的托收。光票托收一般用于收取貨款尾數(shù)、代墊費(fèi)用、傭金、樣品費(fèi)或其他貿(mào)易從屬費(fèi)用。光票托收的匯票有即期匯票和遠(yuǎn)期匯票,（2）Documentary c

11、ollection跟單托收,Collection on a.financial instruments being accompanied by commercial documents or; mercial documents without being accompanied by financial instruments.,是指將金融單據(jù)與商業(yè)單據(jù)一起或僅有商業(yè)單據(jù)不附有匯票等金融單據(jù)的托收。,跟單托收 a.附帶商業(yè)單據(jù)的金融單據(jù)項(xiàng)下的托收 b.不附有金融單據(jù)的商業(yè)單據(jù)項(xiàng)下的托收,避免印花稅,remitting bank,Drawee payer,principal,Shipping

12、 company,collecting bank,S/C,1.goods,2.B/L,5.collection instruction, documentary bill,9.B/L,10.goods,11. reimbursement補(bǔ)償,Collection Procedure,12. make payment,4. receipt,3. Collection application, documentary bill,7. D/P, D/A,6. Present documentary bill,8. deliver documents,Terms for delivering docu

13、ments,1.Documents against Acceptance (DA) 2. Documents against Payment (DP) 3. Documents against Payment at XX days after sight (DP at XX days after sight ),Chapter4. Collection,remitting bank,Drawee payer,principal,Shipping company,collecting bank,S/C,1.goods,2.B/L,5.collection instruction, documen

14、tary bill,9.B/L,10.goods,13. reimbursement,1. (DA) Collection Procedure,14. make payment,4. receipt,3. Collection instruction, documentary bill,7. D/A,6. Present documentary BE for acceptance,8. deliver documents,11. Present BE for Payment,12. Make payment,注釋：,1、進(jìn)出口商訂立買賣合同，規(guī)定采用承兌付款交單方式結(jié)算。 2、出口商發(fā)貨后，填

15、寫托收申請書，開具遠(yuǎn)期匯票，連同全套貨運(yùn)單據(jù)交托收銀行，委托代收貨款。 3、托收銀行填制和寄送托收委托書和跟單匯票委托代收銀行收款。 4、代收銀行向進(jìn)口商提示跟單匯票。 5、進(jìn)口商驗(yàn)單無誤后承兌匯票 6、代收銀行將全套貨運(yùn)單據(jù)交進(jìn)口商。 7、到期日代收銀行向進(jìn)口商提示付款 8、進(jìn)口商驗(yàn)單無誤后付清貨款。 9、代收銀行向托收銀行付款 。 10、托收銀行將貨款付給出口商。,remitting bank,Drawee payer,principal,Shipping company,collecting bank,S/C,1.goods,2.B/L,5.collection instruction,

16、 documentary bill,9.B/L,10.goods,11. reimbursement,2.DP Collection Procedure,12. make payment,4. receipt,3. Collection instruction, documentary bill,7. Make payment,8. deliver documents,6. Present documentary bill for payment,注釋：,1、進(jìn)出口商訂立買賣合同，規(guī)定采用即期付款交單方式結(jié)算。 2、出口商發(fā)貨后，填寫托收申請書，開具即期匯票，連同全套貨運(yùn)單據(jù)交托收銀行，委托代

17、收貨款。 3、托收銀行填制和寄送托收委托書和跟單匯票委托代收銀行收款。 4、代收銀行向進(jìn)口商提示跟單匯票。 5、進(jìn)口商驗(yàn)單無誤后付清貨款。 6、代收銀行將全套貨運(yùn)單據(jù)交進(jìn)口商。 7、代收銀行向托收銀行付款 。 8、托收銀行將貨款付給出口商。,*即期付款交單（D/P SIGHT）,remitting bank,Drawee payer,principal,Shipping company,collecting bank,S/C,1.goods,2.B/L,5.collection instruction, documentary bill,9.B/L,10.goods,13. reimburse

18、ment,14. make payment,4. receipt,3. Collection instruction, documentary bill,7. D/A,6. Present documentary BE for acceptance,10. deliver documents,8. Present BE for Payment,9. Make payment,3.DP at x days after sight Collection Procedure,注釋：,1、進(jìn)出口商訂立買賣合同，規(guī)定采用遠(yuǎn)期付款交單方式結(jié)算。 2、出口商發(fā)貨后，填寫托收申請書，開具遠(yuǎn)期匯票，連同全套貨運(yùn)單據(jù)交托收銀行，委托代收貨款。 3、收銀行郵寄托收委托書和跟單匯票委托代收銀行收款。 4、代收銀行向進(jìn)口商提示匯票、要求承兌。 5、進(jìn)口商驗(yàn)單無誤后承兌匯票，代收銀行保留匯票和全套單據(jù),*遠(yuǎn)期付款交單（D/P AFTER SIGHT）,Chapter4. Collection,注釋：,6、匯票到期日提示匯票，要求進(jìn)口商付款。 7、進(jìn)口商付清貨款。 8、代收銀行將全套貨運(yùn)單據(jù)交進(jìn)口商。 9、代收銀行向托收銀行付款。 10、托收銀行將貨款付給出口商。 貨物抵港，但買方尚未付款，不能得到單據(jù)，無法提貨