国际结算方式(一)汇款.ppt

. 3.4 Reimbursement of Remittance Cover 1. Crediting vostro account of the paying bank If the paying bank opens a current account with the remitting bank, the reimbursement instruction should be written as: In cover，we have credited the sum to your a/c with us 2. debiting remitting bank’s nostro account If the paying bank maintains the remitting bank’s account, the reimbursement may be instructed as: please debit the sum to our a/c with you. or You are authorized to debit the sum to our a/c with you. 3. Instructing a reimbursing bank to pay the paying bank by debiting the remitting bank’s nostro account If the remitting bank does not open an account with the paying bank, the former may instruct its correspondent with which it maintains an account, to debit his account and credit the paying bank’s account if the paying bank has an account with that correspondent, too, or to pay the amount to another bank with which the paying bank maintains an account. The reimbursement clause is thus written: “In cover， we have authorized x bank to debit our a/c and credit you’re a/c with them.” Or “In cover， we have instructed x bank to to remit proceeds to you.” . . Chapter 3 Remittance 汇款 International exchange国际汇兑refers to operational activities related with the currency conversion货币兑换 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: International exchange国际汇兑 payer payee Bank A Bank B payer payee Bank A Bank B contract contract Remittance顺汇 Reverse remittance逆汇 资金 资金 结算工具 结算工具 Remittance (顺汇)：也称汇付法，是由债务人或付款人主动将款项交给银行，委托银行使用某种结算工具，交付一定金额给债权人或收款人的结算方法。结算工具的传递与资金的运动方向一致。 Reverse remittance (逆汇)：又称出票法，是由债权人以开出汇票的方式，委托银行向国外债务人索取一定金额的结算方式。结算工具传递方向与资金运动方向相反。 3.1 definition Remittance refers to the transfer of funds from one party to another among different count