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1、Chapter three Remittance,International exchange国际汇兑 Reimbursement of remittance cover汇款头寸的偿付 The concept of remittance Parties of remittance Methods and procedures of remittance Application of remittance,International exchange refers to operational activities related with the currency conversion and
2、 transfer of funds between countries in order to settle the claims and debts by payment instruments through banks. In broad sense-the international settlement In narrow sense-international bank remittance Types:,International exchange,payer,payee,Bank A,Bank B,payer,payee,Bank A,Bank B,contract,cont
3、ract,Remittance:,Reverse remittance:,If the paying bank maintains a current account with the remitting bank(1) or the remitting bank has a a/c with the paying bank(2),Reimbursement of remittance cover,Remitting bank,Paying bank,Vostro a/c,(1)in cover,we have credited youre a/c with us,Nostro a/c,(2)
4、in cover,please debit our a/c with you,If there is no vostro or nostro account with each other,but the remitting bank can find a third bank,with which both the paying bank and the remitting bank maintain current account.,Remitting bank,Paying bank,Reimbursing bank A,In cover, we have authorized A to
5、 debit our a/c and credit your a/c with them,debit our a/c and credit paying bank a/c with you,Credit advice,Exercises: please write “cover instruction” for each remittance below. The paying bank has maintained an USD account with the remitting bank. Suppose an outward remittance in USD is made, how
6、 do you write “cover instruction” for this remittance? In cover, we have credited your account with us Both remitting bank and paying bank have maintained USD account with XYZ Bank, New York. Suppose an outward in USD is made, then “cover instruction” ? In cover, we have authorized XYZ Bank, New Yor
7、k to debit our account and credit your account with them,A bank, at request of its customer, transfer a certain sum of money to its overseas branch or correspondent bank, instructing it to pay a named person domiciled in that country. Based on commercial credit,the concept of remittance,payee,remitt
8、er,Paying bank,Remitting bank, instruction,goods,Application, paying,汇款人（remitter/importer）: Remittance application Submit the same amount of funds and commission For our country, submit documents required by SAFE 收款人或受益人（payee/exporter） 汇出行(remitting bank)： payment order/P.O. （支付授权书)should be made
9、out as instructed in the application and indicate the reimbursement of remittance cover ; outward remittance 汇入行或解付行（paying bank）： paying in strict compliance with the P.O. and authenticate the relevant signature or test key ; usually paying after its receipt of the funds from the remitting bank; cl
10、ean payment; inward remittance,parties and their obligations,Based on the means of transferring funds, 电汇（telegraphic transfer, T/T） the remitting bank sends the P.O. to the paying bank by cable, telex, or SWIFT, authorizing the paying bank to make payment to the payee. fast ; safe ; limited time fo
11、r banks to keep the funds the contents of T/T 信汇（mail transfer，M/T） the remitting bank transfers the funds by mailing a P.O. cheap but slow procedures for M/T and T/T 票汇（remittance by bankers demand draft, D/D） On the request of the remitter, the remitting bank draws a demand draft on its overseas b
12、ranch or correspondent bank ordering the latter to pay on demand to the payee upon presentation. convenient and transferable draft on center中心汇票 procedures for D/D,Methods and procedures of remittance,FM:汇出行 TO:汇入行 DATE:发电日期 TEST密押 OUR REF NO.汇款编号 NO CHARGES FOR US 我行不负担费用 PAY(AMT) 金额VALUE (DATE)起息日
13、 TO(BENEFICIARY)收款人 MESSAGE附言 ORDER/BY ORDER OF (B/O)汇款人 COVER头寸拨付,The contents of T/T,收款人：,PAY TO BANK （收款人的帐户行）FOR CREDITING A/C NO. OF 收款人,Remitting bank: bank of Asia, Tianjin Paying bank：bank of Asia, Luxemburg Date of cable: 9 June Test:2563 Ref No.208TT0219 Amount:USD 1,660.00 Payee:Marie Cla
14、uda Dumont,Luxemburg account No.0-164/7295/550 with Banque International du Luxemburg Message:payroll Remitter:Crystal Palace Hotel,Tianjin Cover:Debit our H.O. account,FM: bank of Asia, Tianjin TO: bank of Asia, Luxemburg DATE: 9 June TEST 2563 OUR REF208TT0219 NO ANY CHARGES FOR US PAY USD 1,660.0
15、0 TO Banque International du Luxemburg FOR CREDITING A/C NO. 0-164/7295/550 OF Marie Clauda Dumont,Luxemburg MESSAGE payroll ORDER Crystal Palace Hotel,Tianjin COVER Debit our H.O. account,payee,remitter,Paying bank,Remitting bank,(1),(2),(3),(4),(5),(6),(7),(1)Remittance application with funds and
16、commission; (2)receipt (3)sends P.O. /telex/SWIFT instructing paying bank to make payment (4)after authenticating, notifies the payee (5)upon receipt, the payee provides the paying bank a receipt (6)the paying bank debited the remitting banks a/c and make payment (7)sends the debit advice and payment receipt from payee to the remitting bank (8)the debt is discharged,(8),remitter,payee,Remitting bank,Paying bank,1) D/D applicatio
