国际支付4单元-汇款_53761.ppt

It is advantageous to exporter. So it is used in the seller’s market or paying the down payment（定金，首期付款） of the goods. e.g. 30%前T/T( cash in advance)，70%后T/T(o/a) It is advantageous to importer. So it is used in the buyer’s market . ① Be sold out/up（售定） ② Consignment(寄售) 2. Payment after arrival of goods / Open Account (O/A) p.15 Purchase on open account means that the buyer agrees to pay for goods ordered within a designated time after their shipment. Common terms are 30, 60, or 90 days although longer terms of 180 days are not unheard of . 补充:汇款的偿付(reimbursement) 汇款业务中解付汇款的是汇入行,从汇款人处收取汇款资金的是汇出行,汇款资金在两行之间的调拨是这两类银行非常关注的问题.所谓汇款的偿付,就是指汇出行办理汇出业务时应及时将汇款金额拨交给解付汇款的汇入行的行为. 结合汇出行和汇入行开设帐户的情况，汇款资金的偿付有以下4种方式： （一）主动贷记。 当汇入行在汇出行开立往来帐户，汇出行在委托汇入行解付汇款时，汇出行应在支付委托书上注明： In cover, we have credited you’re a/c with us(作为偿付，我行已经贷记你行在我行开立的帐户)，表示汇出行已主动将相应头寸贷记汇入行的帐户。 汇入行收到支付委托书，知悉汇款头寸已拨入自己帐户，即可使用拨妥的头寸解付给收款人。 （二）授权借记。 当汇出行在汇入行开立往来帐户，汇出行在委托汇入行解付汇款时，汇出行应在支付委托书中注明偿付指示： In cover, please debit our a/c with you(作为偿付，请借记我行在你行开立的帐户)，表明授权汇入行借记在汇出行中的帐户。 汇入行收到汇款委托后借记汇出行帐户,拨出头寸解付收款人,并寄出借记报单通知汇出行. (三)共同帐户行转帐 当汇出行与汇入行相互之间没有往来帐户,但是在同一代理行均开立帐户时,为了偿付解款,汇出行可以在支付委托书上作偿付指示, “In cover we have authorized X bank to debit our a/c and credit you’re a/c with them”(作为偿付 ，我行已经授权X银行借记我行的帐户并同时贷记你行在它们银行所开立的帐户），表明汇出行授权它们共同帐户行（X bank）借记汇出行帐户并同时贷记汇入行。 （四）各自帐户行转帐 当汇出行和汇入行之间没有共同帐户行，但它们各自的帐户行之间有帐户往来关系时，汇出行应在支付委托书上作偿付指示： “In cover, we have instructed X bank to pay the proceeds to your account with Y bank”,(作为偿付，我行已经指示X银行支付款项于你行在Y银行所开立的帐户)，表明汇出行指示其帐户行（X bank）拨付头寸给汇入行在其帐户行(Y bank)开立的帐户。 * * Chapter 4 Remittance Contents Outline of Remittance Procedure for Remittance and Comparison Application of Remittance 4.1 Outline of Remittance Definition of Remittance Parties to a Remittance Types of Remittance Characteristics 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(居住) i