Click to edit Master title style,,*,Click to edit Master text styles,,Second level,,Third level,,Fourth level,,Fifth level,,Click to edit Master title style,,Click to edit Master text styles,,Second level,,Third level,,Fourth level,,Fifth level,,纽约梅隆银行清算业务介绍,Angela Yeh,,Treasury Service,,,,2011,年,6,月,摘要,纽约梅隆银行发展历程,,美元清算系统,,纽约梅隆银行美元清算服务,,台湾汇款清算系统,2,,纽约梅隆银行发展历程,,发展历程,亚历山大. 汉密尔顿先生于1784年创立,美国第一家银行,2007,年,7,月,1,日和梅隆银行合并，后者由,,安德鲁,·,梅隆创立,分支机构遍布全球3,6,个国家和地区，,,全球,49,000,多名员工,4,,一,个全球金融服务,的,提供商,在产品广度和全球影响上的根本性进步,1900-2000 –,积极建立传统的投资战略,通过收购，和一系列战略同盟达到业务地国际增长,一个共同，清洗和突出的焦点,两个机构联合在一起构成了世界上最大的证券服务商，和资产管理公司,,,成为在金融服务方面无与伦比的公司,1784,1869,纽约银行建立,T. Mellon and Sons’,银行建立,19,世纪,90,年代,-20,世纪,30,年代,–,早期拓展进入托管，公司信托和股票交易领域,1946,与联邦信托合并,梅隆资本管理公司,1983,1993,收购波士顿公司,1994,收购,Dreyfus,收购了,Newton,资产管理公司大部分股权并创立了梅隆全球投资有限公司,1998,与纽约银行合并,2007,与纽约人寿保险信托公司合并,1922,1988,收购欧文信托,2000,收购常青藤资产管理公司,1996,收购,J.P.,摩根信托业务,与梅隆金融公司合并,2007,2006,与,J.P.,摩根大通公司信,托,业务进行资产互换,联合,2003,收购,Pershing LLC,5,,公司名称,穆迪,标准普尔,纽约梅隆集团,Aa2 #1,AA- #1,摩根大通集团,Aa3,A+,美国合众银行,Aa3,A+,北美信托,A1,AA-,富国银行集团,A1,AA-,道富银行,A1,A+,高盛集团,A1,A,美国银行,A2,A,摩根士丹利,A2,A,花旗集团,A3,A,PNC,金融服务集团,A3,A,美国运通,A3,BBB+,6,注释：以上所有集团的优先债务等级数据统计截至,2011,年,1,月,19,日,纽约梅隆是美国唯一一家获得穆迪,AAA,评级的银行,,纽约梅隆信用评级名列前茅,6,,美元清算系统,,-,FEDWIRE :,Gross Settlement,即时清算系统,-,CHIPS :,Net Settlement,净额交割系统,-,ACH,：,大批量的单一借贷交易系统,美元支付清算流程,FEDWIRE,美元代理行,(BNYM NY),汇款行,,(ABC),MT103,MT202,CHIPS,指令,FED,指令,收款行,纽约中间行,（,CHIPS,成员行）,3 FEDWIRE,1,内部转账,2 CHIPS,美国境内,,或,,美国境外的账户行,美国境内的账户行,8,,Fedwire and CHIPS Summary,,9,,美元支付清算系统 年交易量和交易金额数据（,2010,年）,Fedwire Funds Service – 2010,,,RTGS - Real-time Gross Settlement System,即时清算系统,,Owned by the U.S. Government & operated by the Federal Reserve Bank (12),,,由美国政府所拥有及美联储的12大区行负责管理,,9500 participants,目前有9500个成员行,,Participants can be on-line or off-line members,成员行可以是或离线的成员,,Mainly domestic transactions,以美国境内交易为主,,Interbank Transfer - Reserve borrowings, Correspondent settlements,,Securities settlements,银行间的转帐 – 主要为储备金. 同业银行间汇款及证券交易的清算,,,large value commercial transactions,大额的商业汇款,,Fed Routing Number/ABA Number (American Bankers Association) – 9 digits,,The Bank of New York Mellon, New York ABA Number :,FW021000018,,,,,,,,,,,10,,Fedwire Overview,,Operating Hours,运行时间,,Implemented on May 17, 2004 to extend the day with business hours.,,The purpose was to allow overlap with business hours in Asia and EMEA,,2004,年5月17日开始执行延长交易时间, 主要的目的是与亚洲欧洲及中东,,,的交易时间同步,,21.5 hours business day begins at 21:00 (the day before value date) and,,end at 18:30 (value date),,交易日为前一天21:00开始至当天18:30结束, 共计21.5小时,,,,,,11,,Fedwire Mechanics,,付款的清算以现金余额加日间透支额度为基础,,借记付款方在：,,-,在美联储的先进余额 或者,,-,日间透支额度,,贷记到收款的收款方账户,,所有完成清算的付款被视为最终的且不可撤销的,,,Participant A,Participant B,Reserve Balance:$100,000,000,,- $ 15,000,000,,$ 85,000,000,Reserve Balance:$100,000,000,,,+$ 15,000,000,,$115,000,000,$15,000,000,$15,000,000,Fedwire,12,,Fedwire Liquidity,,Managing liquidity,流动性的管理,,Each payment is settled on :,每一笔汇款的清算基础如下,,A positive available balance,,,必要有现金余额在帐上,,2. Debit Cap - unsecured intraday overdraft line by FRB,,,借记额度是由美联储提供的无担保的日间透支额度,,Pledged Collateral – secured daylight overdraft by FRB,,,承诺抵押是由美联储提供的有担保的日间透支额度,,13,,,美元支付清算系统 年交易量和交易金额数据（,2010,年）,CHIPS Funds Service - 2010,,50 participants with 22 countries,目前有50个成员行, 覆盖22个国家,,,CHIPS direct member: 4 digits CHIPS,的直接成员使用4位数字的会员号,,例如,The Bank of New York Mellon, New York - CP0001,,Universal Identification Number : CHIPS UID number,,,经常使用,CHIPS,的银行也可在,CHIPS,的直接成员银行内开立帐户, 例如:,The,,Agriculture Bank of China, Beijing – UID number: CH279631,,95% of International USD Transfer,全球95%的美元跨国支付由该系统完成,,Real-time, final payments system for U.S. dollars that uses bi-lateral and multi-,,lateral netting,美元即时. 最终汇款交易系统, 使用双边与多边连续轧差清算,,Third-party payments with foreign originators and/or beneficiaries,,此清算系统适合用于当汇款人和收款人都不在美国境内的交易,,USD settlement of FX transactions,外汇交易清算,,,,,,,14,,CHIPS Overview,,Operating Hours,运行时间,,Implemented on May 17, 2004 to extend the day with business hours. The,,purpose was to allow overlap with business hours in Asia and EMEA,,2004,年5月17日开始执行延长交易时间, 主要的目的是与亚洲欧洲及中东的交易时,,间同步,,20 hours business day begins at 21:00 (the day before value date) and end at,,17:00 (value date),,,交易日为前一天21:00开始至当天17:00 结束, 共计20小时,,,,,15,15,,CHIPS,成员行,16,,CHIPS,The Clearing House Interbank Payment System,17,How CHIPS Works…..,CHIPS,6,,(*,5:15pm,) CHIPS sends payment orders to banks in positive closing positions via Fedwire,5,,(*,5 pm,) CHIPS system removes credit limits and releases as many unresolved payments as possible,,,CHIPS nets any unresolved payments.,,Banks fund their respective negative closing positions,,,(,* 5:15 pm,) CHIPS releases remaining payments,,Intraday,,Banks maintain positive balances,,Credit limit: Banks position can not exceed 2X pre-funded balance,,Participants may:,,- Prioritize payment,,- Delete unresolved payments,Pre-funding,,Balances to fund the day’s payments,,Amount is :,,-Far less than actual payments,,- Calculated weekly,,- Based on prior six weeks,2,,(*,9 pm – 5 pm,),,Banks send and receive payments,Netting process,,Individual,,Bilateral,,Multi- lateral,1,,(*,9 pm,) CHIPS,,Account at the,,Fed opens for,,Pre-funding,,,CHIPS opens for processing payments,,,(Bank pre-fund required balances via Fedwire no later than 9 am),3,,CHIPS,,nets and releases final payments,4,,Payments are final when released by CHIPS (throughout the day),* Eastern Time Zone,17,,CHIPS –,双边交割,双边交割,Bilateral Release:,,两成员行之间，将两笔或更多笔往来付款轧差，按净额交割,,BANK A,BANK B,$300,000,$100,000,$200,000,$200,000,$300,000,$600,000,AVAILABLE BALANCE:,,$2.5 MILLION,AVAILABLE BALANCE:,,$1.3 MILLION,$500,000,$100,000,AVAILABLE BALANCE:,,$1.2 MILLION,AVAILABLE BALANCE:,,$2.6 MILLION,18,,CHIPS –,多边交割,多边交割,Multi-lateral Release:,,三家或更多成员行之间， 将三笔或更多笔往来付款金额轧差，按净额交割,,,,Available balance $3 million,Available balance $2.5 million,Available balance $2.6 million,$22.5 MILLION,$3 MILLION,$25 MILLION,1:500,$0.5 MM,$3.1 MM,$4.5 MM,$26 MILLION,19,,CHIPS Liquidity,,1 Bank pre-fund required balances via Fedwire no later than 9 am,,,银行期初余额需在早上,9,点钟以前透过,Fedwire,存入,,2 Banks maintain positive balances,银行必须在帐上存放余额,,,- Credit limit: banks position can not exceed 2X pre-funded balance,,,信用额度：银行可动用的头寸必须控制在期初存放金额的,2,倍之内,,3 CHIPS system removes credit limits and releases as many,,unresolved payments as possible at 5 pm,,CHIPS,在下午,5,点钟挪去银行的信用额度，尽可能去完成所有支付交易的轧差,,,和净头寸计算,,4 CHIPS releases remaining payments at 5:15 pm,,CHIPS,在下午,5:15,分解付余下的汇款交易,,5 CHIPS sends payment orders to banks in positive closing positions,,via Fedwire at 5:15 pm,,CHIPS,在下午,5:15,分透过,Fedwire,将日终清算头寸盈余划拨头寸退还给该银行,,,,20,,ACH – Automated Clearing House,,Electronic payment network used by financial institutions, government,,entities, corporations, individuals,,,ACH,是一种透过电子网络来进行汇款交易的系统, 使用者为金融机构, 政府,,机构, 企业及一般个人,,Can be used for settlement of:,可以进行如下业务结算,,1. Payroll (,薪资) 2.,Social Security Benefit (,社会保障福利) 3.,Dividend (,红利),,4.,Consumer related(,普通个人消费): 例如保险费.水费.电费.房贷及房租等的支付,,,21,,,The Internet now gives you access to CHIPS, Fedwire, and S.W.I.F.T.,,Directories,,,CHIPS,,:,To find CHIPS UIDs and/or to identify bene bank’s nostro agents, go to,,,,This site allows you to search by bank name, city, country or S.W.I.F.T. BIC,,,FEDWIRE :,To find a Fedwire ABA Routing Transit number, go to :,,,,This site facilitates searching by name, state and city,,,S.W.I.F.T. :,To find S.W.I.F.T. BICs, go to,,,,Useful Websites,22,,纽约梅隆银行美元清算服务,,Flexible Charging Features – You Are in Control,Remitter,,汇款人,,$1,000,Remitting Bank,,汇款行,Correspondent,,代理行,BeneBank,收款行,Beneficiary,,收款人,“SHA” Bene Deduct,,受益人内扣,“OUR” payments,FULLPAY,,全额到帐,,Fee $25 Charde from Billing/accout,,在每月中账单中收取,,25,美元,MT103,MT103,MT103,BEN,,$1,000,OUR,,$1,000,OUR,,$1,000,MT103,MT103,MT103,BEN,,$985,BEN (USD),,$1000,OUR,,$1,000,$975,$990(USD),$1,000,Assumptions:,,Debit Ben-Deduct $15,,Credit Ben-Deduct $10,24,,BNY Mellon Commercial Payment Products,美国纽约梅隆银行美元汇款清算服务,,Expanding International Focus,国际业务扩展重点,,Direct member,主要成员,of CHIPS, FEDWIRE, SWIFT, ACH and CLS,,Network of 2,000 correspondent banks worldwide, 100 + markets,,,全球超过2,000 家代理行覆盖超过100多个国家,,28 International offices provide service 28,家海外分行,,,22 Representative offices 22,家代表处,,Focus of international offices is to provide service to the financial,,community; not compete in local markets,,,主要海外分行提供同业代理行的服务, 所以我们不会成为当地银行的竞争对象,,Ranked No. 3/4,美元汇款清算量全球排名第三或四,,-,Global Market Share 10.3%,约占全球总清算量的10.3 %,,-,Daily Volume 170,000 items,每天处理170,000 次交易,,-,Daily Value $ 1.8 trillion,每天清算额价值1.8万多亿美元,,- 35%,Internal Book Transfer 35%,汇款通过内部转帐,,-,Peak Daily Volume 245,000 items /$3 Trillion,,高峰日清算量: 245,000 笔清算量/ 3 兆美元清算额,,,,,,,,25,,BNY Mellon Global Footprint,UNITED STATES,CANADA,MEXICO,ARGENTINA,CHILE,BRAZIL,BRAZIL,BERMUDA,CAYMAN ISLANDS,BAHAMAS,IRELAND,UNITED KINGDOM,LUXEMBOURG,EGYPT,SOUTH AFRICA,SPAIN,ITALY,FRANCE,GERMANY,RUSSIA,BELGIUM,NETHERLANDS,SWITZERLAND,LEBANON,TURKEY,UNITED ARAB,,EMIRATES,INDIA,CHINA,JAPAN,HONG KONG,SINGAPORE,MALAYSIA,PHILIPPINES,SOUTH KOREA,TAIWAN,INDONESIA,THAILAND,AUSTRALIA,EMEA:,,Alternative Investment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Capital Markets, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Treasury Services, Wealth Management, Eagle Investment Systems,Asia Pacific:,,Alternative Investment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Treasury Services, Wealth Management, Eagle Investment Systems,Americas,:,,Alternative Investment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Capital Markets, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Shareowner Services, Treasury Services, Wealth Management, Eagle Investment Systems,Americas,,33,000+ employees in 7 countries and 2 territories including 5 Canadian provinces and 29 U.S. states,,,Europe, Middle East, Africa,,8,000+ employees in 30 cities across 18 countries,,,Asia-Pacific,,6,000+ employees in 16 offices across 12 countries,POLAND,* data as of December 31, 2010, reflects total staff of the company, including subsidiaries and affiliates,26,,,Reduce Your Funds Transfer Cost,减轻贵行汇款的成本,,>MT103/MT202 Beneficiary Deduct,出账扣费,,>MT103/MT202 Credit Deduct,入账扣费,,,FULLPAY,全额付款,,,PRIORITY Payments,优先付款,,MT103 Early Processing Service,提早放行服务,,Automated Intermediary Service,自动选择中间银行服务,,Same Day Cancellation & Amendment Services,付款当日取消和修改服务,,Special Return of Funds Processing,特殊退款服务,,,BNY Mellon Commercial Payment Products,,纽约梅隆银行商业汇款产品,27,,Options:,,Beneficiary Deduct (Ben Deduct),出账扣费,,Credit Deduct,入账扣费,,Eligible Transactions:,汇款的方式,,MT103 Non-Bank customer transfers,,Field 71 : /SHA/ or /BEN/,,MT202 Import L/C,Field 72:,Export Collection transactions,,,To Reduce Your Funds Transfer Cost,,减少贵行的汇款成本,28,,,Bene Deduct Benefits:,,The outgoing payment is free of charge to your bank,,,本行在执行这笔汇出款时不会向贵行收取任何的费用,,We deduct our processing fee & pay net proceeds to payee bank,,本行会在汇出款至收款行的过程当中，已扣除我们的手续费,,Your SWIFT message volume is reduced saving SWIFT charges,,,贵行发送报文量减少会节省,SWIFT,的费用,,For non-bank customer transfers, a single MT103 bearing your,,Bene Deduct instruction is used to replace the traditional procedure,,of sending:,,非银行汇款， 只需发送一个,MT103,从而取代过去传统发送报文的方式,,a MT103 to bene bank, and,,a MT202 COV to correspondent bank for the cover,,To Reduce Your Funds Transfer Cost,,减少贵行的汇款成本,29,,Credit Deduct,,The incoming payment is free of charge to your bank,,处理这笔汇入汇款时，不会向贵行收取任何的费用,,We deduct our processing fee & credit your account for the net proceeds,,执行这笔汇入汇款时 ，本行扣除手续费后，净额再汇入贵行账户内,,No need for you to recover The Bank of New York Mellon service charges from,,beneficiary,,贵行无需承担帐务费用,,,Options:,,All MT103 non-bank customer transfers,,MT202 - L/C and Export collection transactions,,Only those transactions bearing certain reference number in field 21, or,,ALL transactions, except certain reference numbers in field 21,,To Reduce Your Funds Transfer Cost,,减少贵行的汇款成本,30,,,Fixed charges borne by remitting party,,本行跟汇款银行收取固定手续费,,/FULLPAY/ is The Bank of New York Mellon codeword used only in your,,MT103‘swhen you would like to effect full payment of the principal amount,,to the beneficiary.,,透过本行汇款时， 贵行如需全额到帐至收款人的账户， 只需在,MT103,的报文中,,放入,/,FULLPAY /,的指示即可。
MT103 formatting,,报文格式如下,,: 71A : OUR,,:,,72 : /FULLPAY/,,FULLPAY Service,全额付款服务,31,,The Bank of New York Mellon will pass on your "charges: OUR" instruction to,,the intermediary bank (if any) or the beneficiary bank. In most cases, these,,banks will follow the instruction by passing on full proceeds to the beneficiary,,and claiming related fees from us.,,本行会把贵行要求全额到帐（,OUR,）的付款指示发送给中间银行或收款行 在大部,,分情况中，这些银行会根据汇款指示全额到账至收款人账户， 反向本行收取相关的,,手续费,,There is a charge back fee of $25 on your monthly service charge advice to,,cover the fee subsequently claimed by the intermediary/beneficiary bank.,,此服务的手续费为每笔,25,美元，已包含中间行或收款行向本行收取,,相关的全部费用，这个手续费将会显示在贵行每个月的帐务服务费,,账单中,FULLPAY Service,全额付款服务,32,,Time-sensitive payments can be marked for priority,,优先处理针对时效性的汇款,,Field 72 : /EARLY/ (or /PRIORITY/),,Applicable to,,MT103 and MT202 subject to availability of balance,,当贵行账户余额充足时，此付款方式适用于,MT103,及,MT202,的汇款,,Recommend coordination with our Shanghai Customer Service Team,,可要求本行上海客服的同仁来协助处理,,PRIORITY Payments,优先付款,33,,The Bank maintains a computer Beneficiary Bank S.W.I.F.T.,,addresses and CHIPS UID’s, including their U.S. correspondents,,本行的电子文档存有收款行往来,Swift address,和,CHIPS UID,的详细资料，,,,包括这些收款行在美国的代理行,,Payments to Beneficiary Banks that do not have accounts at,,The Bank will be automatically routed to the U.S. bank listed,,in the file,,当收款行并未与本行开立美元帐户时，本行汇款系统将提供自动搜寻,,,中间行的服务,Automated Intermediary Service,自动选择中间行的服务,34,,Benefits:,优点,,No need to maintain files or refer to CHIPS guides to identify Intermediary Banks to pay through,,在执行汇款过程中无需维护文档或参考,CHIPS,目录而选择中间银行,,,No operator intervention charge if the Beneficiary Bank is identified with S.W.I.F.T. address or CHIPS UID,,收款银行有,SWIFT,的资料或,CHIPS UID,号码，则无需支付人工干预的费用,,,The Bank assumes liability for mis-sent payments,,,如果造成汇款发生错误时，纽约梅隆银行将承担所有的责任,,Automated Intermediary Service,自动选择中间银行服务,35,,Eligibility:,,,MT103’s,,,MT202’s of less than $50,000,Automated Intermediary Service,自动选择中间银行服务,36,,Sample MT103,,,20: ABC123,,50: Originator,,56:,,57: Beneficiary Bank’s CHIPS UID or SWIFT address,,59: Beneficiary,Automated Intermediary Service,自动选择中间银行服务,56,37,,We begin processing your MT103’s at about 21:30 NYC time after,,completion of batch running for the day, and send our MT103 to,,Beneficiary Bank immediately,,纽约梅隆银行在完成当日的备份处理之后，于每天的纽约时间,21:30,执行贵行所,,,发出的,MT103,， 并立即发送我行的,MT103,给收款银行,,,Cover is sent when CHIPS/Fedwire opens or via book transfer, if applicable,,,头寸会透过,CHIPS/Fedwire,开始运行时或账簿上转帐来执行,,,Avoids delays associated with time zone differences,,,避免由于不同时区所造成的延迟,,MT103 Early Processing Service,提早放行服务,38,,To qualify for MT103 early processing, you must meet the following criteria,,,符合,MT103,提早放行服务的必要条件如下：,,,Your bank has sufficient balance,贵行帐上必须存放足够的余额,,MT103 goes straight through MT103,必须要符合直通率的格式,,The Bank maintains authenticated swift key with bene bank,,本行必须和收款行有,authenticated swift key,的交换,,Field 57 must not include an account number with intermediary bank.,,It should be either a CHIPS UID or Swift address (not dual identifier),,57,栏不得与中间银行有户头往来， 它必须要有,CHIPS UID,号码或,,SWIFT address,（二选一）,,The payment order does not involve any blocked entities,,,汇款的指示中不能与任何制裁的名单相抵触,,MT103 Early Processing Service,提早放行的服务,39,,For returned funds, BNYM send a swift message to your bank stating:,,,当款项退款时，纽约梅隆银行会发送一个邮件到贵行：,,Reason for return, if stated by payee bank,,如果国外的汇款银行有告知退款理由，我们会在报文中告知,,Funds will be held for 5 working days, pending your guidance,,我们会把汇款款项保留,5,个工作日， 直到接到贵行的进一步指示,,Funds will be re-credited to your account if no instruction is received from your bank within the specified time frame,,如果没有接到贵行的进一步指示，我们会把汇款款项退还至贵行的账户,,Reduces your reconcilement problems,减少贵行销账的困扰,,No extra transactional fee for re-effected payments,,,当重新汇款时， 没有任何额外的手续费发生,,Special Return of Funds Processing,特殊退款服务,40,,Client Services Contacts,纽约梅隆银行,上海,客服团队,The Bank of New York Mellon,,,Shanghai Branch,,Address: 41,st,Floor Hang Seng Bank,,Tower, 1000 Lujiazui Ring Road, Pudong,,New Area, Shanghai,,200120,,Fax: 86-21-5882-3025,,SWIFT: IRVTCNSH,,Hotline: 800-820-6818,,Group Email:,,,Working Hour: 8:30 am ~ 7:00 pm,,,,,,,,,Ms. Cathy Wang,王倩，,Manager,,Tel: 86-21-3866-1186,,Cell: 86-158-0177-3673,,Email: cathy.,,Mr. Jay Li,李杰,,Tel: 86-21-3866-1196,,Email: jay.,,Ms. Kitty Zhou,周莹,,Tel: 86-21-3866-1199,,Email: ying.,,Ms. Lucinda Bian,卞佳敏,,Tel: 86-21-3866-1222,,Email: lucinda.,,Ms. Ada Zhang,张颖,,Tel: 86-21-3866-1194,,Email: ada.,,,,,,,,41,,Funds Transfer Services,Regular Services,,- Unable to apply,,Confirmation of credit,,- Non-receipt of funds,,- Return of funds,,- Account search,,- Funds block inquiry,,Service charge inquiry,,Back valuation,,Overdraft Interest,,- Late Night Investment & adjustment,,- Monthly Account Statements,,,Special Services,,,- Multicurrency payment,,SWIFT formatting,,Fullpay,,Priority payment,,Handling of urgent cases,,Other special requests of clients,,,,,42,,Trade Finance Services,-,LC advising inquiry (e.g. non receipt of LC),,- LC payment inquiry (e.g. non receipt of acceptance or funds),,- Reimbursement Claim to BNY Mellon,,- IGC inquiry (Internet Global Collection),,- Forfeiting (procedure, credit line, pricing inquiry etc),,- Import Financing (procedure, credit line pricing inquiry etc),,43,,台湾汇款清算系统,台湾境内美元汇款方案,方案,方案1:,,透过财金汇款,(8,家,),,(成立于2010年12月6日),方案2:,,透过台湾境内存汇行,(45,家,),,(成立于2010年12月6日),方案3:,,透过国外美元存汇行,汇款,,处理,任何一家台资银行透过自己本,,身电脑系统与财金公司连线, 执,,行汇出放行, 汇款讯息即传送电,,脑主机处理.,1. MT103 (,存汇行客户),,2.,MT103 + MT202COV,,(,非存汇行客户),视客户汇款指示拍发,,MT103,或,MT103 +,,MT202COV,特点,受款行可于当日收到款项,,全额到受款行,,收取电报处理费 (,NT220),,但是收款行需为共同加入财,,汇款之银行,,5.,Cut-off time: 4:10 pm,受款行可于当日收到款项,,全额到受款行,,若为非存款汇行之国内,,他行, 则需收取两通邮,,电费(,NTD440),,4.Cut-off time: 5:10 pm,需配合美国地区营业日,,除拍发两通电文,通常受款行受到汇款时间约为一至两个工作天.,,除选用全额到受款人或全额到受款行,否则汇款会被扣收中间银行费用.,45,,台湾美元清算支付系统,–,流程图,美元清算银行,美元跨行,,基金专户,A,银行,,调拨专户,N,银行,,调拨专户,B,银行,,调拨专户,跨行系统结账后基金回拨（,2,）,减少跨行基金,(3),增加跨行基金,(3),兆丰商银同资系统,财金公司,A,银行 美元跨行基金,B,银行 美元跨行基金,N,银行 美元跨行基金,美元跨行通汇系统,一般跨行交易,(2),跨行作业平台端,,,台湾集中保管结算所,,,美元票债券交割系统,调拨专户增减,增加跨行基金（,2,）,增加跨行基金（,1,）,减少跨行基金（,4,）,减少跨行基金（,2,）,跨行系统结账后基金回拨（,1,）,调拨专户增减（,2,）,,A,银行,,B,银行,,C,银行,,N,银行,参加单位端,美元票券等交割,增加跨行基金（,4,）,（,3,）,（,1,）,一般跨行交易,减少跨行基金（,1,）,调拨专户增减（,1,）,SWIFT,,调,,拨,,专,,户,,增,,减,46,,台湾,,：,,33,家台资银行与纽约梅隆银行成立代理行关系并设立美元帐户,47,,中国,,：,,45,家中资银行与纽约梅隆银行成立代理行关系并设立美元帐户,48,,中国,,：,,45,家中资银行与纽约梅隆银行成立代理行关系并设立美元帐户,49,,The Key Components of Our Brand,,People,Partnership,Performance,50,,。