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Chapter 9 Banking Communications on Remittance and Collections Chapter 9 Banking Communications  on Remittance and Collections 9.1 Mail Transfer Mail Transfer(信汇)是汇出行应汇款人的要求，将付款指示以邮寄的方式转递给汇入行。下面是汇入行写给汇出行的电函，电函中说明因汇出行在信汇委托书上漏写了受益人的账号，故无法解付此款。 Re: Your Mail Transfer dated March 10, 2005 With reference to your captioned mail transfer, we regret to inform you that we are unable to effect payment due to the absence of the account number of the beneficiary in the mail transfer given. Therefore, we shall appreciate it if you will make us informed about it as soon as possible. We look forward to your early reply. 9.2 Demand Draft Demand Draft(票汇)指的是汇出行应汇款人的申请，代汇款人开立银行汇票，并由汇款人交给收款人，最后通过银行办理托收或直接解付票据款项。下列电函是有关出票行，即汇款行对丢失票据的止付通知。 Re: Our Draft No. 12345 In respect of our draft No.12345 which was reported missing, we wish to advise you that our New York Office has placed “stop payment” to the above-mentioned draft as requested. If you want the amount of the draft to be paid by our New Your Office, you may approach them direct with a Banker’s Letter of Indemnity acceptable to them. 9.3 Telegraphic Transfer Telegraphic Transfer(电汇)是汇出行应汇款人的申请，通过SWIFT指示和授权汇入行解付一定金额给收款人的汇款方式。 Re: Your Telegraphic Transfer on May 5, 2006 With reference to your captioned telegraphic transfer, we find that there is no account number of the beneficiary. Please look at the matter and make us informed the result. 9.4 Accounts Intercourse 账户往来分为银行之间和银行与客户之间两种情况。 (1) 银行帮助客户办理销户并转移资金的电函。 Re: Transfer of Gray’s Account # AO 1234 Enclosed are savings passbook # AO1234 and customer’s draft # B 5678 in the name of Sam Gray. Please close the account and forward the principal balance plus any accrued interest to OVERSEAS CHINESE BANK CORP., LTD. A postage paid envelope is enclosed for your convenience. We thank you for your assistance in this matter. (2) 银行通知客户关闭支票账户。 Re: Your Unused Cheques Nos. 33478  33479 for Closing Your A/C According to our regulations, our customers should return all