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1、 纽约梅隆银行清算业务介绍纽约梅隆银行清算业务介绍Angela YehTreasury Service 2011年6月 摘要摘要纽约梅隆银行发展历程纽约梅隆银行发展历程美元清算系统美元清算系统纽约梅隆银行美元清算服务纽约梅隆银行美元清算服务台湾汇款清算系统台湾汇款清算系统2纽约梅隆银行发展历程纽约梅隆银行发展历程发展历程亚历山大亚历山大. 汉密尔顿先生于汉密尔顿先生于1784年创立年创立 美国第一家银行美国第一家银行2007年年7月月1日和梅隆银行合并，后者由日和梅隆银行合并，后者由安德鲁安德鲁梅隆创立梅隆创立分支机构遍布全球分支机构遍布全球36个国家和地区，个国家和地区，全球全球49,000
2、多名员工多名员工 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17841869纽约银行建立T.MellonandSons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19831993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
3、银行合并2007与纽约人寿保险信托公司合并19221988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20072006与J.P.摩根大通公司信托业务进行资产互换联合2003收购PershingLLC5公司名称公司名称穆迪穆迪标准普尔标准普尔纽约梅隆集团纽约梅隆集团 Aa2 #1 AA- #1摩根大通集团摩根大通集团Aa3A+美国合众银行美国合众银行Aa3A+北美信托北美信托A1AA-富国银行集团富国银行集团A1AA-道富银行道富银行A1A+高盛集团高盛集团A1A美国银行美国银行A2A摩根士丹利摩根士丹利A2A花旗集团花旗集团A3APNC金融服务集
4、团金融服务集团A3A美国运通美国运通A3BBB+6注释：以上所有集团的优先债务等级数据统计截至注释：以上所有集团的优先债务等级数据统计截至2011年年1月月19日日纽约梅隆是美国唯一一家获得穆迪纽约梅隆是美国唯一一家获得穆迪AAA评级的银行评级的银行纽约梅隆信用评级名列前茅纽约梅隆信用评级名列前茅美元清算系统美元清算系统-FEDWIRE :GrossSettlement即时清算系统-CHIPS :NetSettlement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(BNYMNY)汇款行(ABC)MT103MT202CHIPS指令FED指令收款行纽约中
5、间行（CHIPS成员行）3FEDWIRE1内部转账2CHIPS美国境内或美国境外的账户行美国境内的账户行8FedwireandCHIPSSummaryFedwireCHIPS运作机构FederalReserveBankTheClearingHouse清算时间（美国东部时间）9PM(V-1)til6:30PME.T.9PM(V-1)til5PME.T.成员行9,50050成员行代码9-digitFedABA4-digitCHIPSABA(6-digitCHIPSUID)清算类型PrimarilydomestictransactionsInternationalUSDollarclearing年交
6、易金额$928trillion(万亿)$368trillion(万亿)年交易数量$145million(百万)$90.9million(百万)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 2010RTGS-Real-timeGrossSettlementSystem即时清算系统OwnedbytheU.S.Government&operatedbytheFederalReserveBank(12)由美国政府所拥有及美联储的12大区行负责管理9500participants目前有9500个成员行Participantscanbeon-lineor
7、off-linemembers成员行可以是在线或离线的成员Mainlydomestictransactions以美国境内交易为主InterbankTransfer-Reserveborrowings,CorrespondentsettlementsSecuritiessettlements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largevaluecommercialtransactions大额的商业汇款FedRoutingNumber/ABANumber(AmericanBankersAssociation)9digitsTheBankofNewYorkMellon,NewY
8、orkABANumber:FW02100001810FedwireOverviewOperatingHours运行时间ImplementedonMay17,2004toextendthedaywithbusinesshours.ThepurposewastoallowoverlapwithbusinesshoursinAsiaandEMEA2004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21.5hoursbusinessdaybeginsat21:00(thedaybeforevaluedate)andendat18:30(valuedate)交易日为前一天
9、21:00开始至当天18:30结束,共计21.5小时11FedwireMechanics付款的清算以现金余额加日间透支额度为基础1.借记付款方在： - 在美联储的先进余额 或者 - 日间透支额度2.贷记到收款的收款方账户3.所有完成清算的付款被视为最终的且不可撤销的Participant AParticipant BReserveBalance:$100,000,000-$15,000,000$85,000,000ReserveBalance:$100,000,000+$15,000,000$115,000,000$15,000,000$15,000,000Fedwire12FedwireLi
10、quidityManagingliquidity流动性的管理Eachpaymentissettledon:每一笔汇款的清算基础如下1.Apositiveavailablebalance必要有现金余额在帐上2.DebitCap-unsecuredintradayoverdraftlinebyFRB借记额度是由美联储提供的无担保的日间透支额度3.PledgedCollateralsecureddaylightoverdraftbyFRB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）CHIPSFundsService-201050particip
11、antswith22countries目前有50个成员行,覆盖22个国家CHIPSdirectmember:4digitsCHIPS的直接成员使用4位数字的会员号例如TheBankofNewYorkMellon,NewYork-CP0001UniversalIdentificationNumber:CHIPSUIDnumber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:TheAgricultureBankofChina,BeijingUIDnumber:CH27963195%ofInternationalUSDTransfer全球95%的美元跨国支付由该系统完成Re
12、al-time,finalpaymentssystemforU.S.dollarsthatusesbi-lateralandmulti-lateralnetting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-partypaymentswithforeignoriginatorsand/orbeneficiaries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USDsettlementofFXtransactions外汇交易清算14CHIPSOverviewOperatingHours运行时间ImplementedonMay17,2004toextendtheda
13、ywithbusinesshours.ThepurposewastoallowoverlapwithbusinesshoursinAsiaandEMEA2004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20hoursbusinessdaybeginsat21:00(thedaybeforevaluedate)andendat17:00(valuedate)交易日为前一天21:00开始至当天17:00结束,共计20小时15CHIPS 成员行成员行16CHIPSTheClearingHouseInterbankPaymentSystem17HowCHIPSWork
14、s.CHIPS6(*5:15pm)CHIPSsendspaymentorderstobanksinpositiveclosingpositionsviaFedwire5(*5 pm)CHIPSsystemremovescreditlimitsandreleasesasmanyunresolvedpaymentsaspossibleCHIPSnetsanyunresolvedpayments.Banksfundtheirrespectivenegativeclosingpositions(* 5:15 pm)CHIPSreleasesremainingpaymentsIntradayBanksm
15、aintainpositivebalancesCreditlimit:Bankspositioncannotexceed2Xpre-fundedbalanceParticipantsmay:-Prioritizepayment-DeleteunresolvedpaymentsPre-fundingBalancestofundthedayspaymentsAmountis:-Farlessthanactualpayments-Calculatedweekly-Basedonpriorsixweeks2(*9 pm 5 pm)BankssendandreceivepaymentsNetting p
16、rocessIndividualBilateralMulti-lateral1(*9 pm)CHIPSAccountattheFedopensforPre-fundingCHIPSopensforprocessingpayments(Bank pre-fund required balances via Fedwire no later than 9 am)3CHIPSnetsandreleasesfinalpayments4PaymentsarefinalwhenreleasedbyCHIPS(throughouttheday)*EasternTimeZoneCHIPS双边交割双边交割Bil
17、ateralRelease:两成员行之间，将两笔或更多笔往来付款轧差，按净额交割BANKABANKB$300,000$100,000$200,000$200,000$300,000$600,000AVAILABLEBALANCE:$2.5MILLIONAVAILABLEBALANCE:$1.3MILLION$500,000$100,000AVAILABLEBALANCE:$1.2MILLIONAVAILABLEBALANCE:$2.6MILLION18CHIPS多边交割多边交割Multi-lateralRelease: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Availa
18、ble balance $3 millionAvailable balance $2.5 millionAvailable balance $2.6 million$22.5MILLION$3MILLION$25MILLION1:500$0.5MM$3.1MM$4.5MM$26MILLION19CHIPSLiquidity1Bankpre-fundrequiredbalancesviaFedwirenolaterthan9am银行期初余额需在早上9点钟以前透过Fedwire存入2Banksmaintainpositivebalances银行必须在帐上存放余额-Creditlimit:banks
19、positioncannotexceed2Xpre-fundedbalance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3CHIPSsystemremovescreditlimitsandreleasesasmanyunresolvedpaymentsaspossibleat5pmCHIPS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4CHIPSreleasesremainingpaymentsat5:15pmCHIPS在下午5:15分解付余下的汇款交易5CHIPSsendspaymentorderstobanksinpositiveclosing
20、positionsviaFedwireat5:15pmCHIPS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20ACHAutomatedClearingHouseElectronicpaymentnetworkusedbyfinancialinstitutions,governmententities,corporations,individualsACH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Canbeusedforsettlementof:可以进行如下业务结算1.Payroll(薪资)2.SocialSecurityBe
21、nefit(社会保障福利)3.Dividend(红利)4.Consumerrelated(普通个人消费):例如保险费.水费.电费.房贷及房租等的支付21TheInternetnowgivesyouaccesstoCHIPS,Fedwire,andS.W.I.F.T.DirectoriesCHIPS:TofindCHIPSUIDsand/ortoidentifybenebanksnostroagents,gotoThissiteallowsyoutosearchbybankname,city,countryorS.W.I.F.T.BICFEDWIRE:TofindaFedwireABARouti
22、ngTransitnumber,goto:Thissitefacilitatessearchingbyname,stateandcityS.W.I.F.T.: TofindS.W.I.F.T.BICs,gotoUseful Websites22纽约梅隆银行美元清算服务纽约梅隆银行美元清算服务Flexible Charging Features You Are in ControlRemitter汇款人$1,000RemittingBank汇款行Correspondent代理行BeneBank收款行Beneficiary收款人“SHA”BeneDeduct受益人内扣“OUR”paymentsFU
23、LLPAY全额到帐Fee$25ChardefromBilling/accout在每月中账单中收取25美元MT103MT103MT103BEN$1,000OUR$1,000OUR$1,000MT103MT103MT103BEN$985BEN(USD)$1000OUR$1,000$975$990(USD)$1,000Assumptions:DebitBen-Deduct$15CreditBen-Deduct$1024BNY Mellon Commercial Payment Products美国纽约梅隆银行美元汇款清算服务美国纽约梅隆银行美元汇款清算服务ExpandingInternational
24、Focus国际业务扩展重点Directmember主要成员ofCHIPS,FEDWIRE,SWIFT,ACHandCLSNetworkof2,000correspondentbanksworldwide,100+markets全球超过2,000家代理行覆盖超过100多个国家28Internationalofficesprovideservice28家海外分行22Representativeoffices22家代表处Focusofinternationalofficesistoprovideservicetothefinancialcommunity;notcompeteinlocalmarke
25、ts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RankedNo.3/4美元汇款清算量全球排名第三或四-GlobalMarketShare10.3%约占全球总清算量的10.3%-DailyVolume170,000items每天处理170,000次交易-DailyValue$1.8trillion每天清算额价值1.8万多亿美元-35%InternalBookTransfer35%汇款通过内部转帐-PeakDailyVolume245,000items/$3Trillion高峰日清算量:245,000笔清算量/3兆美元清算额 25 BNYMellonGlobalFootp
26、rintUNITED STATESCANADAMEXICOARGENTINACHILEBRAZILBRAZILBERMUDACAYMAN ISLANDSBAHAMASIRELANDUNITED KINGDOMLUXEMBOURGEGYPTSOUTHAFRICASPAINITALYFRANCEGERMANYRUSSIABELGIUMNETHERLANDSSWITZERLANDLEBANONTURKEYUNITEDARABEMIRATESINDIACHINAJAPANHONG KONGSINGAPOREMALAYSIAPHILIPPINESSOUTH KOREATAIWANINDONESIATHA
27、ILANDAUSTRALIAEMEA: 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 SystemsAsia Pacific: Alternative
28、 Investment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Treasury Services, Wealth Management, Eagle Investment SystemsAmericas: Alternative Investment Services, Asset Management, Asset Servic
29、ing, Broker-Dealer Services, Capital Markets, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Shareowner Services, Treasury Services, Wealth Management, Eagle Investment SystemsAmericas33,000+employeesin7countriesand2territoriesincluding5Canadianprovincesand29U.S.
30、statesEurope, Middle East, Africa8,000+employeesin30citiesacross18countriesAsia-Pacific6,000+employeesin16officesacross12countriesPOLAND*dataasofDecember31,2010,reflectstotalstaffofthecompany,includingsubsidiariesandaffiliates26 ReduceYourFundsTransferCost减轻贵行汇款的成本MT103/MT202BeneficiaryDeduct出账扣费MT1
31、03/MT202CreditDeduct入账扣费FULLPAY全额付款PRIORITYPayments优先付款MT103EarlyProcessingService提早放行服务AutomatedIntermediaryService自动选择中间银行服务SameDayCancellation&AmendmentServices付款当日取消和修改服务SpecialReturnofFundsProcessing特殊退款服务BNY Mellon Commercial Payment Products纽约梅隆银行商业汇款产品纽约梅隆银行商业汇款产品27Options:BeneficiaryDeduct(
32、BenDeduct)出账扣费CreditDeduct入账扣费EligibleTransactions:汇款的方式MT103Non-BankcustomertransfersField71:/SHA/or/BEN/MT202ImportL/CField72:ExportCollectiontransactionsTo Reduce Your Funds Transfer Cost 减少贵行的汇款成本减少贵行的汇款成本28BeneDeductBenefits:Theoutgoingpaymentisfreeofchargetoyourbank本行在执行这笔汇出款时不会向贵行收取任何的费用Weded
33、uctourprocessingfee&paynetproceedstopayeebank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YourSWIFTmessagevolumeisreducedsavingSWIFTcharges贵行发送报文量减少会节省SWIFT的费用Fornon-bankcustomertransfers,asingleMT103bearingyourBeneDeductinstructionisusedtoreplacethetraditionalprocedureofsending: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-aMT103
34、tobenebank,and-aMT202COVtocorrespondentbankforthecoverTo Reduce Your Funds Transfer Cost减少贵行的汇款成本减少贵行的汇款成本29CreditDeductTheincomingpaymentisfreeofchargetoyourbank处理这笔汇入汇款时，不会向贵行收取任何的费用Wedeductourprocessingfee&credityouraccountforthenetproceeds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NoneedforyoutorecoverTheBank
35、ofNewYorkMellonservicechargesfrombeneficiary贵行无需承担帐务费用Options:AllMT103non-bankcustomertransfersMT202-L/CandExportcollectiontransactionsOnlythosetransactionsbearingcertainreferencenumberinfield21,orALLtransactions,exceptcertainreferencenumbersinfield21To Reduce Your Funds Transfer Cost减少贵行的汇款成本减少贵行的汇
36、款成本30 Fixedchargesbornebyremittingparty本行跟汇款银行收取固定手续费/FULLPAY/isTheBankofNewYorkMelloncodewordusedonlyinyourMT103swhenyouwouldliketoeffectfullpaymentoftheprincipalamounttothebeneficiary.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。MT103formatting报文格式如下:71A:OUR:72:/FULLPAY/FULLPAY Service 全额付
37、款服务全额付款服务31TheBankofNewYorkMellonwillpassonyourcharges:OURinstructiontotheintermediarybank(ifany)orthebeneficiarybank.Inmostcases,thesebankswillfollowtheinstructionbypassingonfullproceedstothebeneficiaryandclaimingrelatedfeesfromus.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
38、收取相关的手续费Thereisachargebackfeeof$25onyourmonthlyservicechargeadvicetocoverthefeesubsequentlyclaimedbytheintermediary/beneficiarybank.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 全额付款服务全额付款服务32Time-sensitivepaymentscanbemarkedforpriority优先处理针对时效性的汇款Field72:/EARLY/(or/P
39、RIORITY/)Applicableto MT103andMT202subjecttoavailabilityofbalance当贵行账户余额充足时，此付款方式适用于MT103及MT202的汇款RecommendcoordinationwithourShanghaiCustomerServiceTeam可要求本行上海客服的同仁来协助处理PRIORITY Payments 优先付款优先付款33TheBankmaintainsacomputerBeneficiaryBankS.W.I.F.T.addressesandCHIPSUIDs,includingtheirU.S.corresponden
40、ts本行的电子文档存有收款行往来Swiftaddress和CHIPSUID的详细资料，包括这些收款行在美国的代理行PaymentstoBeneficiaryBanksthatdonothaveaccountsatTheBankwillbeautomaticallyroutedtotheU.S.banklistedinthefile 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自动选择中间行的服务34Benefits:优点NoneedtomaintainfilesorrefertoCH
41、IPSguidestoidentifyIntermediaryBankstopaythrough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NooperatorinterventionchargeiftheBeneficiaryBankisidentifiedwithS.W.I.F.T.addressorCHIPSUID收款银行有SWIFT的资料或CHIPSUID号码，则无需支付人工干预的费用TheBankassumesliabilityformis-sentpayments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 Se
42、rvice自动选择中间银行服务自动选择中间银行服务35Eligibility:MT103sMT202soflessthan$50,000Automated Intermediary Service自动选择中间银行服务自动选择中间银行服务36SampleMT10320: ABC12350: Originator56:57: BeneficiaryBanksCHIPSUIDorSWIFTaddress59: BeneficiaryAutomated Intermediary Service自动选择中间银行服务自动选择中间银行服务5637WebeginprocessingyourMT103satab
43、out21:30NYCtimeaftercompletionofbatchrunningfortheday,andsendourMT103toBeneficiaryBankimmediately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CoverissentwhenCHIPS/Fedwireopensorviabooktransfer,ifapplicable头寸会透过CHIPS/Fedwire开始运行时或账簿上转帐来执行Avoidsdelaysassociatedwithtimezonedifference
44、s避免由于不同时区所造成的延迟MT103 Early Processing Service 提早放行服务提早放行服务38ToqualifyforMT103earlyprocessing,youmustmeetthefollowingcriteria符合MT103提早放行服务的必要条件如下：Yourbankhassufficientbalance贵行帐上必须存放足够的余额MT103goesstraightthroughMT103必须要符合直通率的格式TheBankmaintainsauthenticatedswiftkeywithbenebank本行必须和收款行有authenticatedswi
45、ftkey的交换Field57mustnotincludeanaccountnumberwithintermediarybank.ItshouldbeeitheraCHIPSUIDorSwiftaddress(notdualidentifier)57栏不得与中间银行有户头往来，它必须要有CHIPSUID号码或SWIFTaddress（二选一）Thepaymentorderdoesnotinvolveanyblockedentities汇款的指示中不能与任何制裁的名单相抵触MT103 Early Processing Service提早放行的服务提早放行的服务39Forreturnedfunds
46、,BNYMsendaswiftmessagetoyourbankstating:当款项退款时，纽约梅隆银行会发送一个邮件到贵行：Reasonforreturn,ifstatedbypayeebank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Fundswillbeheldfor5workingdays,pendingyourguidance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Fundswillbere-creditedtoyouraccountifnoinstructionisreceivedfromyourbankwithinthespecifiedtimefra
47、me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Reducesyourreconcilementproblems减少贵行销账的困扰Noextratransactionalfeeforre-effectedpayments当重新汇款时，没有任何额外的手续费发生Special Return of Funds Processing特殊退款服务特殊退款服务40Client Services Contacts 纽约梅隆银行纽约梅隆银行上海上海客服团队客服团队TheBankofNewYorkMellon,ShanghaiBranchAddress:41stFloorHangSengBan
48、kTower,1000LujiazuiRingRoad,PudongNewArea,Shanghai200120Fax:86-21-5882-3025SWIFT:IRVTCNSHHotline:800-820-6818GroupEmail:WorkingHour:8:30am7:00pmMs. Cathy Wang 王倩，王倩， ManagerTel:86-21-3866-1186Cell:86-158-0177-3673Email:cathy.Mr. Jay Li 李杰李杰Tel:86-21-3866-1196Email:jay.Ms. Kitty Zhou 周莹周莹Tel:86-21-38
49、66-1199Email:ying.Ms. Lucinda Bian卞佳敏卞佳敏Tel:86-21-3866-1222Email:lucinda.Ms. Ada Zhang张颖张颖Tel:86-21-3866-1194Email:ada.41FundsTransferServicesRegularServices-Unabletoapply-Confirmationofcredit-Non-receiptoffunds-Returnoffunds-Accountsearch-Fundsblockinquiry-Servicechargeinquiry-Backvaluation-Overdra
50、ftInterest-LateNightInvestment&adjustment-MonthlyAccountStatementsSpecialServices-Multicurrencypayment-SWIFTformatting-Fullpay-Prioritypayment-Handlingofurgentcases-Otherspecialrequestsofclients42TradeFinanceServices-LCadvisinginquiry(e.g.nonreceiptofLC)-LCpaymentinquiry(e.g.nonreceiptofacceptanceor
51、funds)-ReimbursementClaimtoBNYMellon-IGCinquiry(InternetGlobalCollection)-Forfeiting(procedure,creditline,pricinginquiryetc)-ImportFinancing(procedure,creditlinepricinginquiryetc)43台湾汇款清算系统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
52、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1.受款行可于当日收到款项2.全额到受款行3.收取电报处理费(NT220)4.但是收款行需为共同加入财汇款之银行5.Cut-offtime:4:10pm1.受款行可于当日收到款项2.全额到受款行3.若为非存款汇行之国内他行,则需收取两通邮电费(NTD440)4.Cut-offtime:5:10pm1.需配合美国地区营业日2.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.3.除选
53、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)跨跨行行作作业业平平台台端端台湾集中保管结算所台湾集中保管结算所美元票债券交割系统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
54、银行N银行参参加加单单位位端端美元票券等交割增加跨行基金（ 4 ）（3）（1）一般跨行交易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46No.BANKS NAMEBANK CODEA/CSWIFT CODE1BangkokBankPublicCo.,Ltd.TPBKB890-0621-109BKAOTWTK2BankofKaohsiungBOK803-3394-722BKAOTWTK3BankofPanhsinBOP890-0626-402BBBKTWTP4BankofTaiwanBOT803-3059-850BKTWTWTP5BankSinoPacBSP8
55、90-0097-620SINOTWTP6CathayUnitedBankCUB803-3063-041UWCBTWTP7CentralBankofChinaCBC890-0492-503CBCTTWTP8ChangHwaCommlBankCHB803-3060-301CCBCTWTP9ChinaDevelopmentIndBankCDB890-0429-844CDIBTWTP10ChinaTrustCommlBankCCB890-006-0190CTCBTWTP11CosmosBankCMB890-0228-857CSMBTWTP12CreditSuisseBankTaipeiCSB890-0
56、707-992CSFBTWTE13DBSTaipeiDBS890-0347-791DBSSTWTP14DBSTaiwanLtd.(formerBWB)BWB890-0097-671PABKTWTP15E.SunCommlBankESB890-0407-204ESUNTWTP16EnTieCommlBankETB890-0228-881ENTITWTP17FarEasternIntlBankFEB890-0101-644FEINTWTP18FirstCommlBankFCB803-3060-565FCBKTWTP19HuaNanCommlBankHNB803-3060-646HNBKTWTP20
57、HwataiCommlBankHTB890-0600-403HTBKTWTP21INGSecuritiesCo.,Ltd.ING890-0708-67022KingsTownBankKTB890-0596-953TNBBTWTN23LandBankofTaiwanLBT890-0067-608LBOTTWTP24MEGAIntlCommlBkICB803-3059-699ICBCTWTP25ShanghaiComml&SavingsBkSCB803-3060-999SCSBTWTP26TaipeiFubonCommlBankTFB803-3062-754TPBKTWTP27TaishinInt
58、lBankTIB890-0097-485TSIBTWTP28TaiwanBusinessBankTWB890-0040-815MBBTTWTP29TaiwanCooperativeBankTCB890-0050-438TACBTWTP30TaiwanShinKongBankSKB890-0608-641MKTBTWTP31UnionBankofTaiwanUBT890-0330-783UBOTTWTP32UnitedOverseasBank,Taiwanbr.UOB890-0280-212UOVBTWTP33YuantaComlBankYTB890-0101-407APBKTWTH台湾：33家
59、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48No #BANKS NAMEA/C #SWIFT1AgriculturalBankofChina,H.O.890-0330-686ABOCCNBJ2BankofHebei,HO890-1051-128BKSHCNBJ3BankofChangsha,HO890-0719-850CHCCCNSS4BankofJinhua,HO890-1003-212JHCBCNBJ5BankofChina,H.O.803-3412-224BKCHCNBJ6BankofCommunications
60、,H.O.890-0330-694COMMCNSH7BankofEastAsia(China)Ltd,Guangzhou890-0574-577BEASCNSHGZU8BankofJiujiang,HO890-0719-702BOJJCNBJ9BankofNanjing,HO890-0536-640NJCBCNBN10BankofShanghai,H.O.890-0300-051BOSHCNSH11ChangHwaBank,KunShan890-1043-605CCBCCNBK12CathayUnitedBank,Shanghai890-1054-267UWCBCNSH13ChinaCitic
61、Bank,HO890-0331-801CIBKCNBJ14ChinaContructionBank,HO890-0587-571PCBCCNBJ15ChinaEverbrightBank,H.O.890-0298-936EVERCNBJ16ChinaMerchantsBank,HO890-0613-831CMBCCNBS17CommonwealthBankofAustralia,Shanghai890-0720-697CTBACNSH18CreditSuisseFirstBoston,Shanghai890-0361-093CRESCNSH19CreditSuisseFirstBoston,S
62、hanghaiBanking890-0676-558CRESCNSHPBS20DahSingBank(China)Ltd890-0691-085DSBACNBX21DBS(China)Ltd890-0347-821DBSSCNSH22EvergrowingBank,HO890-0719-699HFBACNSD23FirstSinoBank,H.O.890-0328-576FSBCCNSH24FirstCommercialBank,Shanghai890-1044-938FCBKCNSH25ChinaGuangfaBankCo.,Ltd.(GuangdongDevelopmentBank)890
63、-0571-004GDBKCN2226HainingRuralCreditCooperativeUnion890-1042-838HNBCCNBJ27IndustrialBank,H.O.890-0406-992FJIBCNBA28IndustrialandCommercialBankofChina,H.O.890-0229-047ICBKCNBJ29JiangsuJiangyanRuralCommercialBank890-1045-314JRCBCNBY30KookminBank,Suzhou890-1026-905CZNBCN22SUZ31KookminBank,Guangzhou890
64、-0647-507CZNBCN2232KookminBank,Harbin890-0708-034CZNBCN22HRB33KrungThaiBank,Kunming890-0299-266KRTHCNB134LandBankofTaiwan,Shanghai890-1052-310LBOTCNSH35PingAnBank,HO890-0608-226SZCBCNBS36ShanghaiPudongDevelopmentBank,HO890-0708-727SPDBCNSH37ShenzhenDevelopmentBank,HO890-0548-061SZDBCNBS38Skandinavis
65、kaEnskildaBanken,Shanghai890-0600-896ESSECNSH39TaiwanCooperativeBank,Suzhou890-1041-823TACBCNBS40TongxiangRuralCreditCooperativesUnion890-1049-72741UrumqiCityCommercialBankCo.Ltd.890-1081-744UCCBCNBJ42WingHangBank(China)Ltd890-0676-787WIHBCNBX43YamaguchiBank,Qingdao890-0060-212YMBKCNBQ44ZhejiangHechengRuralCooperativeBank890-1056-782HCRCCNBJ45ZhejiangTailongCommercialBank890-0720-352ZJTLCNBH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49TheKeyComponentsofOurBrandPeoplePartnershipPerformance50
