国际结算方式 汇款.ppt

Chapter 3 Remittance 汇款 International exchange国际汇兑 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: 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 countries. That is, a bank (the remitting bank), at the request of its customer (the remitter), transfers a certain sum of money to its overseas branch or correspondent bank (the paying bank), instructing them to pay to a named person or corporation (the payee or beneficiary) domiciled in that country. 汇款是一种顺汇方式，是银行(汇出行)应汇款人(债务人)的要求，以一定的方式将一定的金额，通过其国外联行或代理行作为付款银行(汇入行)，付款给收款人(债权人)的一种结算方式。 Based on commercial credit 3.2 Parties related to a remittance 3.2.1 Remitter 汇款人 A remitter is the person who request his bank to remit funds to a beneficiary in a foreign country. He is also called the payer, importer. A remitter should first submit a remittance application, which, upon acceptance by the remitting bank, evidences a contract between the remitter and the remitting bank. 3.2.2 Payee or beneficiary 收款人/受益人 A person who is addressed to receive the remittance is named the Payee or beneficiary, exporter. 3.2.3 Remitting bank 汇出行 A remitting bank is the bank transferring funds at the request of a remitter to its correspondent or its branch in another country and instructing the latter to pay a certain amount of money to a beneficiary. A remitting bank is the importer’s bank. The remitting bank must do as instructed in the application until the whole remittance is finished. Outward Remittance 汇出汇款 3.2