chapter 3 Remit创新tance.pptVIP

Chapter 3 Remittance;In this chapter, we will learn: 1.Remittance and reverse remittance 2. Methods, parties and procedures of remittance 3. Advantages and disadvantages of remittance. 4.The application of remittance in international trade. 5. Practice of remittance. 6. reimbursement of remittance.;Terminologies;Debtor/Buyer;Remittance Reverse remittance;Debtor/ Buyer;Reverse Remittance (逆汇) Payee or creditor draws draft and entrust bank to use instruments to get paid from foreign debtor. 又称出票法。它是由收款人出具票据，交给银行，委托银行通过国外代理行向付款人收取汇票金额的一种汇款方式。 Funds flow is in a contrary direction to the credit instruments transmitted.;Methods of International Settlements;Extract from S/C. ;Definition: A bank（remitting bank）, at request of its customer （remitter）, transfers a certain sum of money to its overseas branch or correspondent bank（paying bank）, instructing it to pay a named person (payee) domiciled in that country. Both fund and payment instruction due from the buyer to seller. remit/ debtor/ importer etc. originates the payment. ;(1)Remitter (importer/payer) : Remittance application Submit the same amount of funds and commission. (2) Remitting bank(汇出行)： Payment order (P.O.) （支付授权书)should be made out as instructed in the application and indicate the reimbursement of remittance cover.;(3) Paying bank(汇入行或解付行) Pay in strict compliance with the P.O. and authenticate the relevant signature or test key. Usually paying after its receipt of the funds from the remitting bank. (4)Beneficiary (exporter/payee);payee;Application of remittance in international trade;CASE 1;case 2;有些欠款拖欠达3年之久，并以种种理由继续拖欠。对于这笔欠款，A公司既想催讨以解决资金周转不灵的问题，又怕损害和这个大客户的关系，最后请资信调查机构核实B公司的经营状况和拖欠理由是否属实，结果发现B公司正全力变卖固定资产，已处于破产边缘。 ;汇款使用灵活、方便，被广泛用于零星货款、尾款、保证金、佣金等款项的支付。正是因为灵活，也给了犯罪分子可乘之机，利用我出口企业对进出口业务不是很熟悉，不清楚规则，又急于开发市场的情况，故意在合同中设置比较诱人的条款和一些不合理之处，骗取我出口企业的保证金，然后以质量问题为由拒收货物，达到没收保证金的目的。预收保证金后或逃之夭夭，不见踪影，或反咬一口。; Characteristics of Remittance;;Search on the internet and find out:;Chapter 3 Remittance;3.2.1 Procedur