第三章 汇款emittance结算方式.pptVIP

Chapter three Remittance International exchange国际汇兑 Reimbursement of remittance cover汇款头寸的偿付 The concept of remittance Parties of remittance Methods and procedures of remittance Application of remittance International exchange International exchange refers to operational activities related with the currency conversion and transfer of funds between countries in order to settle the claims and debts by payment instruments through banks. In broad sense--the international settlement In narrow sense--international bank remittance Types: Reimbursement of remittance cover If the paying bank maintains a current account with the remitting bank(1) or the remitting bank has a a/c with the paying bank(2) the concept of remittance A bank, at request of its customer, transfer a certain sum of money to its overseas branch or correspondent bank, instructing it to pay a named person domiciled in that country. Based on commercial credit parties and their obligations 汇款人（remitter/importer）: Remittance application Submit the same amount of funds and commission For our country, submit documents required by SAFE 收款人或受益人（payee/exporter） 汇出行(remitting bank)： 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 ; outward remittance 汇入行或解付行（paying bank）： paying 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; clean payment; inward remittance Methods and procedures of remittance Based on the means of transferring funds, 电汇（telegraphic transfer, T/T） the remitting bank sends the P.O. to the paying bank by cable, telex, or SWIFT, authorizing the paying bank to make payment to the payee. fast ; safe ; limited time for banks to keep the funds the contents of T/T 信汇（mail transfer，M/T） the remitting bank transfers th