国际结算英文版讲义

《国际结算英文版讲义》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

1、Chapter2InternationalBankRemittanceInthischapter,wewilllearn:1.Methods,partiesandproceduresofremittance2.Advantagesanddisadvantagesofremittance.3.Practiceofremittance.4.Thefunctionofremittanceininternationaltrade.§2.1DefinitionInternationalremittancehappenswhenaclient(payer)a

2、skshisbanktosendasumofmoneytoabeneficiaryabroadbyoneofthetransfermethodsathisoption.§2.2partiesconcernedandmethods1.Partiesinvolvedininternationalbankremittanceincludethefollowing:(1)TheremitterTheremitterisalsothepayer.(2)Remittingbank,outwardremittance(3)Payingbank,inwardre

3、mittance(4)Thepayee2.Methods:(1)Remittancebyairmail----M/TPaymentorder,mailadviceorcreditadvice/pleasedebitadvicearetransmittedbyairmail.(2)Remittancebycable/telex/SWIFT----T/TInstructionsaretransmittedbycable,throughSWIFT/CHIPS…(3)Remittancebybanker’sdemanddraft.----D/DAbank

4、er’sdraftisanegotiableinstrumentdrawnbyabankonitsoverseasbranchoritscorrespondentabroadorderingthelattertopayondemandthestatedamounttotheholderofthedraft.Itisoftenusedwhentheclientwantstotransferthefundstohisbeneficiaryhimself.1.Theprocedureforbankremittancebymailorbycableusu

5、allycomprisesthefollowing:WrittenapplicationDebitadvicePaymentorderPaymentReimbursementclaim§2.3ProceduresMailtransfer,M/TTelegraphictransfer,T/T2.Theprocessofademanddraftisasfollows:D/DapplicationBanksightdraft.Theremitterforwardsthedrafttothepayee.Thepayeepresentsthedraftto

6、thedraweebankforpayment.Thedraweebankverifiesthesignatures,paysthedraft,andclaimsbacktheamountthatispaidaccordingtoitsagencyarrangementwiththeremittingbank.Banker’sDemandDraft,D/D§2.4AdvantageandDisadvantage1.Advantage.AdvantageofD/D:Demanddraftisanegotiableinstrument,whichca

7、nbetransferredsothatitismoreconvenientinuseforpayment.AdvantageofM/TItinvolvedbank-to-bankinstructionwithbanksresponsibleformakingpayments,soitisratherreliable.AdvantageofT/TTHEFASTESTWAY2.Disadvantage:Disadvantagesofremittancebydemanddraft:(1)ThetransmissionofD/Disslowerthan

8、thatofT/Tandcannotservethepurposeofquickpayment.(2)Itispossibleforad