国际结算chapter4-Collection解析.pptVIP

Chapter Four Collection Collection 1.What is a collection? 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 seller’s bank with clear instructions for collection through one of its correspondent bank located in the domicile of the buyer. Collection “Collection” means the handling by banks, on instructions received, of documents, in order to: obtain payment and/or acceptance, or deliver documents against payment and/or against acceptance, or deliver documents on other terms and conditions. -------Article 2 a of URC522 Collection 2.parties to the operation of collections Collection (1)The principal(seller/exporter/drawer)委托人 (2)The remitting bank托收行，寄单行 (3)The collecting bank代收行 (4)The drawee (buyer/importer)付款人 (5)Presenting bank提示行 If the collecting bank is not located near the importer, it will send the documents to a presenting bank in the importer’s city. Collection (6)Case of need需要时代理 It is the representative appointed by the principal to act as case of need in the event of non-acceptance and/or non-payment, whose power should be clearly and fully stated in the collection. Eg. Special Instruction In case of need refer to Smith Jones Co., 99 Rue des Achetuer, Paris whose authority is limited to assisting in having the draft honored. Collection 3.Types of collection托收的分类 （1）clean collections光票托收 Clean collections are collections on financial instruments without being accompanied by commercial documents, such as invoice, bill of lading, insurance policy, etc. Collection Case study[4-1] H公司与J公司签订一项购货合同，H公司于1990年2月交付给J公司一张面额为50余万美元的美国财政部支票（不受追索时间限制）作为预付款，J公司委托G市T银行办理托收业务。 T银行委托香港华侨商业银行代收。同年3月13日款项收妥后转入J公司帐户。 4月16日，H公司以不能完全履约为由要求退款，J公司于4月2日和1990年5月3日共两次把50余万美元汇出境外。 1990年10月12日香港华侨商业银行通知T银行：该支票系伪