国际结算-小结-Remittance.doc

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1、Remittance&Collection汇款托收Settlementclassified:Remittance顺汇:ThebuyertakestheinitiativeinremittingmoneytothesellerthroughabankReverseRemittance逆汇Collection,LetterofCreditRemittanceRemittancemeansthecross-borderdirecttransferoffundsbybanks.Theremittingbankpaysapre

2、determinedamountontherequestofremitter(importer)throughtheforeigncorrespondentbankoragentbank(payingbank)topayee/beneficiary(exporter).Threebasicwaysforabanktotransferfundsforitsclientfromthehomecountrytoabroad.telegraphictransferTTmailtransferMTdemanddraftDDT/

3、Tistotransferfundsbycable/telex/SWIFTsentbyaremittingbank,attherequestoftheremitter.Itinstructsthepayingbanktopayacertainsumofmoneytothebeneficiary.WorkflowofT/TM/T(4)Remittancebycable/telex/SWIFT---TelegraphicTransfer(T/T)DifferencesbetweenM/TandT/Tinthefollow

4、ingsteps:P48Step1:AgreeM/Tasmethodofpayment;Step2:ChooseM/Tonapplication;andStep4:TheremittingbanksendspaymentordertothepayingbankviaairmailRemittancebybanker’sdemanddraft(D/D)Theremittingbankattherequestoftheclientdrawsabanker’sdraftonitsoverseasbranchoritscor

5、respondentbankabroadorderingthelattertopayondemandthestatedamounttotheholderofthedraft.Itisoftenusedwhentheclientwantstotransferthefundstothebeneficiarybyhimself.Pleaseidentifythedrawer,draweeandpayeeofthedraftunderD/DReimbursementofremittance汇款偿付P49Thesettleme

6、ntbetweenremittingbankandpayingbankCredityourA/Cwithus主动贷记（汇入行在汇出行有账户）DebitourA/Cwithyou授权借记AuthorizeBankXtodebitourA/CandcredityourA/Cwiththem共同账户行InstructBankXtopaytheproceedstoyouraccountwithBankYComparisonofT/T,M/T,D/DT/T:fastest,mostexpensive,mostreliablef

7、ormofmoneytransferbecauseitdependsontheinter-banktransfersystemM/T:slow,notveryexpensive,lessreliablebecausethemailedM/Torpaymentordercouldbedelayed.D/D:slowest,leastexpensive,lessreliablebecausethecustomershouldbeartheriskoftheft,destructionorlossofthedraftint

8、ransit3.2.Collection（URC522）Collectionmeansthemethodforhandlingfinancialandcommercialdocumentsbybanksinaccordancewithinstructionfromprincipalinorderto:lobtainpaymentand/orac