《汇款结算方式》PPT课件

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1、ChapterthreeRemittanceInternationalexchange国际汇兑TheconceptofremittancePartiesofremittanceMethodsandproceduresofremittanceApplicationofremittanceInternationalexchangereferstooperationalactivitiesrelatedwiththecurrencyconversionandtransferoffundsbetweencountriesinordertosettletheclaimsanddebtsbyp

2、aymentinstrumentsthroughbanks.Inbroadsense--theinternationalsettlementInnarrowsense--internationalbankremittanceTypes:InternationalexchangepayerpayeeBankABankBpayerpayeeBankABankBcontractcontractRemittance（顺汇）:Reverseremittance（逆汇）:顺汇与逆汇顺汇：它是汇款人（通常为债务人）主动将款项交给银行，委托银行通过结算工具，转托国外银行将汇款付给国外收款人（通常为

3、债权人）的一种汇款方法。其特点是资金流向和结算工具的流向一致。（如汇款）逆汇（ReverseRemittance）又称出票法。它是由收款人出具汇票，交给银行，委托银行通过国外代理行向付款人收取汇票金额的一种汇款方式。其特点是资金流向和结算支付工具的流向不相同。（如托收、信用证）Abank,atrequestofitscustomer,transferacertainsumofmoneytoitsoverseasbranchorcorrespondentbank,instructingittopayanamedpersondomiciledinthatcountry.Basedonc

4、ommercialcredittheconceptofremittancepayeeremitterPayingbankRemittingbank②instructiongoods①Application③paying汇款人（remitter/importer）:RemittanceapplicationSubmitthesameamountoffundsandcommissionForourcountry,submitdocumentsrequiredbySAFE收款人或受益人（payee/exporter）汇出行(remittingbank)：paymentorder/P.O.

5、（支付授权书)shouldbemadeoutasinstructedintheapplicationandindicatethereimbursementofremittancecover;outwardremittance汇入行或解付行（payingbank）：payinginstrictcompliancewiththeP.O.andauthenticatetherelevantsignatureortestkey;usuallypayingafteritsreceiptofthefundsfromtheremittingbank;cleanpayment;inwardremi

6、ttancepartiesandtheirobligationsBasedonthemeansoftransferringfunds,电汇（telegraphictransfer,T/T）theremittingbanksendstheP.O.tothepayingbankbycable,telex,orSWIFT,authorizingthepayingbanktomakepaymenttothepayee.fast;safe;limitedtimeforbankstokeepthefundsthecontentsofT/T信汇（mailtransfer，M/T）theremit

7、tingbanktransfersthefundsbymailingaP.O.cheapbutslowproceduresforM/TandT/T票汇（remittancebybanker’sdemanddraft,D/D）Ontherequestoftheremitter,theremittingbankdrawsademanddraftonitsoverseasbranchorcorrespondentbankorderingthelattertopayondem