〈金融学〉Chapter Five.pptVIP

⑤ Principal`s representative in case of need 需要时的代理; The case of need 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.（需要时的代理人（委托人的代表）就是委托人指定的代表。他在汇票遭到拒绝承兑和/或拒绝付款时充当需要时的代理人。其权利应在托收委托书上有明确而充分的规定。） This party is called as “case of need”.It is an agent or representative of a seller in an importer’s location or vicinity.If the importer refuses payment or acceptance ,the representative can sell the goods to another buyer,or take delivery of or even ship back the goods on behalf of the seller. 如委托人指定一名代表，在遭到拒绝付款及/或拒绝承兑时作为需要时的代理人，则应在托收指示中清楚、完全地表明此项代理人的权限；如无上述明示，银行将不接受关于需要时的代理人的任何指示。 做出需要时的代理人的指示，举例如下： Special Instruction In case of need refer to Peter Jones Co., 99 Rue des Achetuer, Paris whose authority is limited to assisting in having the draft honoured. 4.1.3 Types of collection 4.1.3.1. In terms of documents related 1) Documentary collections Documentary collections may be described as collections on financial instruments being accompanied by commercial documents or collections on commercial documents without being accompanied by financial instruments, that is, commercial documents without a bill of exchange.跟单托收意指金融单据附带商业票据的托收，或者商业单据不附带金融单据的托收，即并无汇票，单是商业票据的托收。跟单托收一定有商业单据；不一定有金融单据。 2) Clean collections Clean collections are collections on financial instruments without being accompanied by commercial documents, such as invoice, bill of lading, insurance policy, etc. 光票托收是指出口商仅开具汇票而不附商业单据（主要指货运单据）的托收。 “托收统一规则”表述： “光票托收”意指金融单据托收而不伴随商业单据。 即：有金融单据无商业单据。 光票托收并不一定不附带任何单据，有时也附有一些非货运单据，如发票、垫款清单等，这种情况仍被视为光票托收。 光票托收通常用于收取货款尾数、样品费、佣金、代垫费用等。在实际工作中，光票托收还包括许多委托行不能立即解付或因各种原因不能立即付款的各类票据。 光票托收和跟单托收 3) Direct collection Direct collection is an arrangement whereby the seller obtains his bank’s pre-numbered direct collection letter, thus enabling him to send his documents directly to his bank’s correspondent bank for collection. Thi