URBPO主要款解读.docVIP

中信银行成功办理首笔银行付款责任业务记者从中信银行获悉，该行近日与马来西亚联昌银行合作，成功完成首笔银行付款责任业务，成为继中国银行后国内第二家开展该业务的银行，截至目前，全球仅有12家银行开办此业务。 BPO作为国际结算创新产品，由环球同业银行金融电讯协会针对近年来赊销贸易逐渐成为国际贸易主流支付方式而设计开发，依托SWIFT贸易服务设施 系统进行操作，帮助进出口双方完成交易。同时，双方银行可在BPO下为企业提供贸易融资、外汇资金等产品与服务。国际商会制订的《银行付款责任统一规则》于 2013年7月1日实施。 与传统信用证业务人工审核单据不同，BPO业务由TSU系统自动匹配数据，缩短银行处理时间，加快付款流程，提高资金使用效率。同时，与信用证一样，BPO提供了银行的付款承诺，有效降低交易风险，并为进出口双方提供融资渠道。 中信银行顺应国际贸易和结算网络电子化发展趋势，积极开展电子类结算产品创新，2012年11月成为国内首家推出信用证电子交单业务的银行。此次BPO业务的成功办理，标志着该行在国际业务电子化创新领域继续处于业界前列。 Swift and the ICC Banking Commission have jointly produced a set of rules on Bank Payment Obligation (BPO), which can be defined as an irrevocable conditional undertaking to pay given from one bank to another.? The URBPO (Uniform Rules for Bank Payment Obligation) can also be viewed as an electronic letter of credit and is an alternative means of settlement in international trade. It provides the benefits of a letter of credit (LC) in an automated environment and enables banks to offer flexible risk mitigation and financing services across the supply chain to their corporate customers. Establish uniformity of practice The URBPO contractual rules will establish uniformity of practice in the market adoption of the BPO and the related ISO 20022 messaging standards. Chairman of the ICC Banking Commission Mr Kah Chye Tan affirmed it was vital that the financial industry aligned on improved rules and tools in support of trading counterparties whether large or small. “The ICC Banking Commission views the development of the Bank Payment Obligation rules and the related ISO 20022 messaging standards as strong foundations for banks to provide modern risk and financing services aligned with today’s technology.” URBPO主要条款解读 时间: 2014-11-13 17:41:50　来源: 《贸易金融》杂志　 网友评论 0 条 2013?年?4月，国际商会（ICC）与环球同业银行金融电讯协会（SWIFT）合作制定了URBPO（Uniform?Rules?for?Bank?Payment?Obligations，银行付款责任统一规则），是规范BPO（Bank?Payment?Obligations，银行付款责任）业务的纲领性文件，于2013年7月1日起正?式在全球范围内实施。 　　作为一种新兴的国际结算渠道，BPO集合了信用证的安全性与赊销的快捷性，具有业务自动化操作、无纸化处理，便捷、高效、低成本、低