国际结算英文版讲义

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

2、nktosendasumofmoneytoabeneficiaryabroadbyoneofthetransfermethodsathisoption.§2.2partiesconcernedandmethods1.Partiesinvolvedininternationalbankremittanceincludethefollowing:(1)TheremitterTheremitterisalsothepayer.(2)Remittingbank,outwardremittance(3)Payingbank,inwardremittance(4)Thepa

3、yee2.Methods:(1)Remittancebyairmail----M/TPaymentorder,mailadviceorcreditadvice/pleasedebitadvicearetransmittedbyairmail.(2)Remittancebycable/telex/SWIFT----T/TInstructionsaretransmittedbycable,throughSWIFT/CHIPS…(3)Remittancebybanker’sdemanddraft.----D/DAbanker’sdraftisanegotiablein

4、strumentdrawnbyabankonitsoverseasbranchoritscorrespondentabroadorderingthelattertopayondemandthestatedamounttotheholderofthedraft.Itisoftenusedwhentheclientwantstotransferthefundstohisbeneficiaryhimself.1.Theprocedureforbankremittancebymailorbycableusuallycomprisesthefollowing:Writte

5、napplicationDebitadvicePaymentorderPaymentReimbursementclaim§2.3ProceduresMailtransfer,M/TTelegraphictransfer,T/T2.Theprocessofademanddraftisasfollows:D/DapplicationBanksightdraft.Theremitterforwardsthedrafttothepayee.Thepayeepresentsthedrafttothedraweebankforpayment.Thedraweebankver

6、ifiesthesignatures,paysthedraft,andclaimsbacktheamountthatispaidaccordingtoitsagencyarrangementwiththeremittingbank.Banker’sDemandDraft,D/D§2.4AdvantageandDisadvantage1.Advantage.AdvantageofD/D:Demanddraftisanegotiableinstrument,whichcanbetransferredsothatitismoreconvenientinuseforpa

7、yment.AdvantageofM/TItinvolvedbank-to-bankinstructionwithbanksresponsibleformakingpayments,soitisratherreliable.AdvantageofT/TTHEFASTESTWAY2.Disadvantage:Disadvantagesofremittancebydemanddraft:(1)ThetransmissionofD/DisslowerthanthatofT/Tandcannotservethepurposeofquickpayment.(2)Itisp

8、ossibleforad