5章国际结算第6周.ppt

1章 2004年9月 二、三种汇款方式比较 三、采用电报/电传的电汇（付款委托书） 电报/电传格式 FM: (汇出行名称) TO: (汇入行名称) DATE: (发电日期) TEST:(密押) OUR REF NO.________(汇款编号) NO ANY CHARGES FOR US (我行不负担费用) PAY (AMT金额)VALUE(DATE起息日期)TO(BENEFICIARY收款人) MESSAGE:_________(汇款附言) ORDER:__________(汇款人) COVER:__________(头寸拨付) 返回“汇款偿付” 电报/电传格式说明 NO ANY CHARGES FOR US 有时可写在电文最后一句，有时可写成：YOUR CHARGES FOR BENEFICIARY 收款人的表示，分两种情况： 1） 收款人的账户行是第三家银行(BANK OF ENGLAND ) PAY TO BANK OF ENGLAND (账户行) FOR CREDIT OF A/C NO. 86OF UNICAM 收款人的账户行是汇入行(MIDLAND BANK) PAY TO YOURSELVES FOR CREDIT OF A/C NO. 86OF UNICAM 汇款附言有时写成：DETAILS OF PAYMENT ORDER=BY ORDER OF，有时可写为 B/O 头寸拨付，即汇出行如何将汇款偿付给汇入行，也要分多种情况。 示例5.1 电报/电传付款委托书 TO：MDLAND BANK, LONDON FM：INDUSTRIAL AND COMMERCIAL BANK OF CHINA, HUBEI DATE：SEP. 30TH, 2002 TEST **** OUR REF TT123456/02 PAY USD41,084.34 VALUE SEP 30,2002 TO YOURSEVES FOR CREDIT OF A/C NO.86-27OF UNICAM LIMITED FOR SPECTROMETER ORDER HUBEI INTERNATIONAL TRADE CORPORATION YOUR CHARGES FOR BENEFICIARY COVER DEBIT US 返回“汇款偿付” 示例5.1解读 汇出行 INDUSTRIAL AND COMMERCIAL BANK OF CHINA, HUBEI 汇入行 MDLAND BANK, LONDON 汇款金额 USD41,084.34 收款人 UNICAM LIMITED 汇款人 HUBEI INTERNATIONAL TRADE CORPORATION 收款人的账户行是 MDLAND BANK, LONDON 示例5.2 电报/电传付款委托书（苏钟祥等人，2004, p104～105） TO：THE CHASE MANHATTAN BANK N.A.,NEW YORK FM：BANK OF CHINA, BEIJING DATE：SEP. 30TH, 2002 TEST **** OUR REF TT109900/02 PAY USD200,000 VALUE SEP 30,2002 TO BANQUE NATIONALE DE TUNISIE FOR CREDIT OF A/C NO.Y10-0127-033254 OF CORPORATION INTERNATIONAL DES EAUX ET DE I’ ELECTRICITE DE CHINE MESSAGE REMIT FOR CUSTOMS DUTY ETC ORDER INTERNATIONAL WATER AND ELECTRIC CORP. BEIJING YOUR CHARGES FOR BENEFICIARY COVER DEBIT US 返回“汇款偿付” 示例5.2解读 汇出行 BANK OF CHINA, BEIJING 汇入行 THE CHASE MANHATTAN BANK N.A.,NEW YORK 汇款金额 USD200,000 收款人 CORPORATION INTERNATIONAL DES EAUX ET DE I’ ELECTRICITE DE CHINE 汇款人 INTERNATIONAL WATER AND ELECTRIC CORP. BEIJING 收款人的账户行是 BANQUE NATIONALE DE TUNISIE 示例5.3 SWIFT付款委托书（苏钟祥等人，2004, p105