第四章 托收结算方式课件.ppt

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1、ChapterfourCollection4.1Theconceptofcollection4.2Basicpartiestoacollection4.3Proceduresofacollection4.4Typesofcollection4.5Termsofreleasingdocuments4.6Documentsincollection4.7RisksinvolvedandprotectionURC522URC522Art.2Collectionsmeansthehandlingbybanks,oninstructionsreceived,ofdocuments,

2、inorderto:1)obtainacceptanceand/orpayment;2)delivercommercialdocumentsagainstacceptanceorpayment;3)deliverdocumentsonothertermsandconditions.4.1ConceptofcollectionCollectionisanarrangementwherebythesellerdrawsadraftonthebuyer,and/orshippingdocumentsareforwardedtohisbank,authorizingittoco

3、llectthemoneyfromthebuyerthroughitscorrespondentbank.Basedoncommercialcredit委托人principal--seller(drawer)collectionapplication托收行remittingbank/寄单行collectioninstruction代收行collectingbank提示行presentingbank付款人payer--buyer(drawee)需要时的代理principal’srepresentativeincaseofneed4.2BasicpartiesCollect

4、ionapplication--thecontractbetweentheprincipalandtheremittingbank,clearlyindicatingtheintentionandrequirementoftheprincipal.Content:detailsoftheprincipalanddraweealistofdocumentsAmountandcurrencytermsofreleasingdocumentsdisposalofproceedsuponcollectionstoreandinsureclausebankandotherchar

5、gesaboutprotestintheeventofdishonordesignatingcollectingbank4.3ProceduresofacollectioncleancollectionCollectiononfinancialinstrumentsonly,documentsaresentdirectlybytheexportertotheimporter.RelativelyslowcomparedtoT/TFurthermore,thepayingbankunderacleancollectionhastherightofrecourseforth

6、erefundingofcollectionproceeds.Paymentinstrument:adraft,acheckoramoneyorder,thetenorofwhichcanbeatsightorafuturetime.4.4Typesofcollection案例：某外贸公司W与国外进口方约定用光票托收结算，W担心买方收到货物后不付款，而运输方式是空运，一旦出货后难以控制物权，因此，计划将进口人的支票交自己账户行托收，待收妥后再发运。5天后，银行从国外代收行收妥款项，并记入W账户。W随后立即办理了空运出口手续。3天后，托收行收到代收行因付款人退票要求追偿的

7、通知，托收行随即根据国际惯例和委托人填写的“票据托收申请书有关条款的规定（“票据托收如遇国外退票、拒付、追索等情况，本人/公司愿立即偿还全部款项，并承担相关费用”），要求委托人归还款项。documentarycollectionCollectiononfinancialdocumentsbeingaccompaniedbycommercialdocumentsorcollectiononcommercialdocumentswithoutfinancialdocuments.Thedocumentswillbereleasedtothei