国际支付与结算chapter 4.ppt

2、汇出行在汇入行开立账户，汇出行委托汇入行付款时头寸拨付方式： “In cover please debit the sum to our account with you.” 或者： “In reimbursement ：You are authorized to debit the face amount to our account held with you.” 汇入行借记该帐户后，应该寄出借记报单注明“your account debited”字样 Chapter 4 Remittance 1.In cover, please debit our (H.o)a/c with you. 2.Your a/c debited. 账户行 开户行 汇款指示中 头寸拨付条款 已借记报单 Debiting remitting bank ’s Nostro account 借记汇出行往账 汇款中的货币 为汇入国的货币 Remitting Bank Paying Bank 汇出行 汇入行 Chapter 4 Remittance ???????????? ????????????????? ?????????????? Remitting bank(US Bank) Paying bank(UK Bank) In cover ,please debit our account with you. Currency: GBP 账户行 Chapter 4 Remittance 3、汇出、入行在同一第三方银行（碰头行）开立账户 头寸拨付方式：“In cover，we have authorized x Bank to debit our account and credit your account with them.” Chapter 4 Remittance 汇出行 汇入行 账户行 X 1.In cover,we have authorized X Bank to debit our a/c and credit your a/c with them 2.Please debit our a/c and credit B a/c with you 3.Your a/c credited 3.Your a/c debited 开户行 开户行 Instructing a reimbursing bank to effect payment by debiting the remitting bank’s Nostro account 通过共同的账户行拨头寸 Chapter 4 Remittance ???????????? ????????????????? ?????????????? Remitting bank Paying bank In cover, we have authorized XYZ Bank , New York to debit our account and credit your account with them. ?????????????? XYZ bank Open USD account Open USD account Chapter 4 Remittance 4、汇出、入行在不同的银行开立账户 头寸拨付方式：In cover，we have instructed A Bank to pay the proceeds to your account with D Bank. 或者： In cover，we have instructed A Bank to remit to you. Chapter 4 Remittance 汇款的退汇指在汇款解付之前，由汇款人或 收款人要求撤消该笔汇款的行为。 Cancellation of the remittance 汇款的退汇 Chapter 4 Remittance Cancellation of Mail transfer or telegraphic transfer Mail transfer or telegraphic transfer can be cancelled before its payment is made. It is usually done at the request of the remitter or the payee who refuses to receive the payment. Whenever the paying bank receives an advic