国际结算chapter创新 4.pptVIP

Chapter 4;逆汇;Funds flow;Funds flow;;银行接受客户的委托，使用一定的结算工具， 通过其在海外的分支机构或代理行，把款项付给 国外收款人的一种结算方式。; Remitter;;;Remitting bank transmitted instructions to paying bank by airmail of a payment order or mail advice. 支付委托书/信汇委托书 汇费相对低廉；资金汇兑速度取决于邮递速度，相对较慢；银行有机会占用客户的在途汇款资金。当今，在注重风险规避、讲求效率及投资回报的国际经济氛围中，尽管信汇的成本低廉，但其使用率仍呈下降态势;;Chapter 4 Remittance;Remitting bank draw a banker’s draft on paying bank ordering the latter to pay on demand the stated amount to the holder of the draft. 银行即期汇票 ;;*;*;Chapter 4 Remittance;Chapter 4 Remittance;1.Advantages;2.Disadvantages;⑵M/T: ①Mail transfer order to be delayed or lost in the post, thus causing difficulty for its payment; ② Its transmission is slower than that of T/T and cannot serve the purpose of quick payment; ③The beneficiary must await notification from the bank concerned. 资金汇兑速度取决于邮递速度，相对较慢；银行有机会占用客户的在途汇款资金。;⑶ T/T: ①It is more expensive as compared with M/T or D/D, but if the amount transferred is large, the interest cost which should be otherwise incurred due to time delay can be saved; ② The beneficiary must await notification （通知,通告）from the bank concerned.;Summary;⑷ SWIFT can provides the member banks with faster, safer, cheaper, and more reliable handling of their customers’s transactions., Swiftness, reliability, safety, and inexpensiveness are major advantages of transactions by means of SWIFT messages.;Chapter 4 Remittance;Methods of Reimbursement;remitter;1、汇入行在汇出行开立账户，汇出行解付汇款时 头寸拨付方式：“In cover，we have credited the sum to your account with us.”此时头寸以及拨入汇入行帐户，可以支付了。;;;2、汇出行在汇入行开立账户，汇出行委托汇入行付款时头寸拨付方式： “In cover please debit the sum to our account with you.” 或者： “In reimbursement ：You are authorized to debit the face amount to our account held with you.” 汇入行借记该帐户后，应该寄出借记报单注明“your account debited”字样 ;;;3、汇出、入行在同一第三方银???（碰头行）开立账户 头寸拨付方式：“In cover，we have authorized x Bank to debit our account and credit your account with them.” ;汇出行;;4、汇出、入行在不同的银行开立账户 头寸拨付方式：In cover，we have instructed A Bank t