国际结算第四章托收(Collection)方案.ppt

第四章 托收(Collection) 托收的定义 托收的种类 跟单托收的业务程序 当事人 跟单托收中出口商的风险与防范 融资 托收结算方式的特点 风险管理（案例分析） 托收的定义 指出口商（或债权人）开立金融单据或商业单据或两者兼有，委托托收行通过其国外的分行或代理行向进口商（或债务人）收取货款或劳务费用的结算方式。 托收既可用于贸易结算，又可用于非贸易结算。 After the exporter has shipped the goods, he presents the draft and documents to his bank with his collection instruction. The bank will collect the proceeds on behalf of him. 《托收统一规则》(Uniform Rules for Collection, ICC Publication No. 522) (即URC522) The Uniform Rules for Collections(URC) form an internationally accepted code of practice covering documentary collection. 托收业务中的单据 金融单据（Financial Documents） 商业单据（Commercial Documents） 托收业务当事人 委托人（Principal） 托收行（Remitting Bank） 代收行（Collecting Bank） 提示行（Presenting Bank） 付款人（Drawee） 需要时的代理(Representative in Case of Need) Principal—seller（drawer） Remitting bank Collecting bank Payer - buyer (drawee) Presenting bank Representative in case of need Principal —seller（drawer） The principal is usually the exporter who entrusts the collection items to the bank. The principal consign the bank to receive the amount of the draft from overseas debtor, can also be called drawer . Principal—seller（drawer） The liability of the principal according to trade contract: shipment in time and provide the documents according with the contract. Remitting bank: This is the bank that accept the entrustment of the principal and achieve the collection by its overseas correspondent .Such a bank is normally the exporter’s bank. Remitting bank: The obligation ： （1）check up the application for collection and the documents （2）make a collection instruction Collecting bank The bank that accept the consignment of remitting bank and get the payment from the debtor is the correspondent . Collecting bank The obligation : （1）check up the documents； （2）keep the documents ； （3）feed back the headway of collection in time; （4）deal with the goods prudently. Payer - buyer (drawee) The payer is the debtor who the draft has appointed. Representative in case of need