汇出汇款业务知识点五汇款种类和汇款指示.doc

五、汇款种类和汇款指示 ????? 汇款的种类见图2.1.1-4。 ????? 如图2.1.1-4所示，汇款业务包括电汇（Telegraphic Transfer,T/T）、信汇(Mail Transfer,M/T)、票汇(Bankers Demand Draft,D/D)。电汇、信汇业务处理程序比较相似，票汇业务中因采用银行即期汇票作为结算工具，增加了汇票处理中的提示操作过程。 ????? （一）电汇业务的基本程序和汇款电文?????? 1.电汇业务基本程序????? 电汇业务基本程序见图2.1.1-5。 ????? 2.电报或电传格式????? 汇款指示中电报或电传格式见示样2.1.1-2。 ??? 示样2.1.1-2?? 电报或电传格式 ? FM:(汇出行名称)?TO:(汇入行名称)?DATE:(发电日期)TEST(密押) OUR REF NO.(汇款编号)PAY(AMT)(付款金额) VALUE(DATE)(起息时间) TO (BENEFICIARY)(收款人)MESSAGE(附言)?ORDER(汇款人名称)COVER(头寸划拨指示) ? ????? 3.采用SWIFT的汇款格式????? 顾客汇款SWIFT MT100各项目见表2.1.1-1。 ??? 表2.1.1-1 ? SWIFT中MT100的汇款格式 M/O Tag Field Name O 15 Test key M 20 Transaction reference number(TRN) M 32A Value date, currency code, amount M 50 Ordering customer O 52X Ordering bank O 52s Senders correspondent bank O 54s Receivers correspondent bank O 57s “Account with” bank M 59 Beneficiary customer O 70 Details of payment O 71A Details of charges O 72 Bank to bank information ????? （二）信汇业务的基本程序和信汇委托书、支付授权书????? 1.信汇业务基本程序????? 信汇业务基本程序见图2.1.1-6。 ????? 2.信汇委托书（Mail Transfer Advice）与支付授权书（Payment Order）????? 信汇委托书见示样2.1.1-3，支付授权书见示样2.1.1-4。 ?? 示样2.1.1-3?? 信汇委托书 中国银行广州分行BANK OF CHINA, GUANGZHOU BRANCHMail Transfer Advice? ????下列汇款，请即解付，如有费用请内扣。????我已贷记你行账户。 日期Date:???? ,???? ,?????Guangzhou Please advise and effect the followingpayment less your charges if any. In cover, we have CREDITED your A/C with 此致TO 信汇号码No. of Mail transfer 收款人To be paid to 金额Amount ? 　 　 　 ? 大写金额Amount in Words:?????????????? ? 附言Message 汇款人By order of??????????? ???? 中 国 银 行 广 州 分 行BANK OF CHINA, GUANGZHOU BRANCH ??? 示样2.1.1-4?? 支付授权书 ? ?中国银行支付授权书BANK OF CHINAPAYMENT ORDER ???????????????Guangzhou?????????????? Date:???????? ? ，??????? ?? ，????????? ?? 此致TO ? 信汇号码No. of payment order 收款人To be paid or credited to 金额Amount 　 　 　 大写金额Amount in words:??????????????? ???? 汇款人By order of?????????????????????? ????? ???? 附言Remarks You are authorized to debit our account with you.We have credited your A/C with us