最新国际贸易实务Remittance幻灯片.ppt

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1、Letter of Credit Letter of Credit （信用证）（信用证）Remittance Remittance （汇付）（汇付）Collection Collection （托收）（托收）2、Mail Transfer, M/T（信汇）（信汇） Payment instruction given by the remitting bank is Payment instruction given by the remitting bank is transmitted by mail or by courier.transmitted by mail or by couri

2、er. 汇出行应汇款人的要求，用航邮信函通知汇入行向收款汇出行应汇款人的要求，用航邮信函通知汇入行向收款人付款的方式。人付款的方式。Characteristics of M/T:Characteristics of M/T:1 1、 lower costlower cost 2 2 、but slower but slower 3 3 、funds can be taken up for short time by bank funds can be taken up for short time by bank 4 4 、Control Documents: Specimen of auth

3、orized Control Documents: Specimen of authorized signature booksignature book( (印鉴）印鉴）Explanation1 1、汇款人填写汇款申请书，交款付费给汇出行，申请书上说明使汇款人填写汇款申请书，交款付费给汇出行，申请书上说明使用信汇方式。用信汇方式。2 2、汇款人取得信汇回执。、汇款人取得信汇回执。3 3、汇出行根据申请书制作信汇委托书或支付委托书，经过两人双、汇出行根据申请书制作信汇委托书或支付委托书，经过两人双签，邮寄汇入行。签，邮寄汇入行。4 4、汇入行收到信汇委托书或支付委托书后，核对签字无误，将信、汇

4、入行收到信汇委托书或支付委托书后，核对签字无误，将信汇委托书的第二联信汇通知书及第三、四联收据正副本一并通汇委托书的第二联信汇通知书及第三、四联收据正副本一并通知收款人。知收款人。5 5、收款人凭收据取款。、收款人凭收据取款。6 6、汇入行借记汇出行帐户，取出头寸，解付汇款给收款人。、汇入行借记汇出行帐户，取出头寸，解付汇款给收款人。7 7、汇入行将借记通知书寄给汇出行，通知它汇款解付完毕、汇入行将借记通知书寄给汇出行，通知它汇款解付完毕。Procedure of M/TProcedure of M/T3 、Demand Draft, D/D（票汇）票汇）Payment instruction

5、 is written down directly on the Payment instruction is written down directly on the surface of the bank draft.surface of the bank draft.A bank draft is a negotiable instrument drawn by the A bank draft is a negotiable instrument drawn by the remitting bank, ordering its overseas correspondent remit

6、ting bank, ordering its overseas correspondent bank to pay on demand the stated amount to the bank to pay on demand the stated amount to the holder of the draft.holder of the draft.票汇是汇出行应汇款人的申请，代其开立以汇入行为付款人的银行即期汇票，并交汇款人，由汇款人自寄或自带给国外收款人，由收款人到汇入行凭票取款的汇款方式。Explanation1 1、汇款人填写汇款申请书，交款付费给汇出行，申请书上说明使、汇款

7、人填写汇款申请书，交款付费给汇出行，申请书上说明使用票汇方式。用票汇方式。2 2、汇出行作为受票行，开立银行即期汇票交给汇款人。、汇出行作为受票行，开立银行即期汇票交给汇款人。3 3、汇款人将汇票寄收款人。、汇款人将汇票寄收款人。4 4、汇出行将汇款通知书，又称票根，即汇票一式五联中的第二联、汇出行将汇款通知书，又称票根，即汇票一式五联中的第二联寄汇入行，凭此将与收款人提交的汇票正本核对。今年来为简寄汇入行，凭此将与收款人提交的汇票正本核对。今年来为简化手续，汇出行已不再寄汇款通知书了，汇票从一式五联改为化手续，汇出行已不再寄汇款通知书了，汇票从一式五联改为一式四联。一式四联。5 5、收款人提

8、示银行即期汇票给汇入行要求付款。、收款人提示银行即期汇票给汇入行要求付款。6 6、汇入行借记汇出行帐户，取出头寸，凭票解付汇款给收款人。、汇入行借记汇出行帐户，取出头寸，凭票解付汇款给收款人。7 7、汇入行将借记通知书寄汇出行，通知它汇款解付完毕。、汇入行将借记通知书寄汇出行，通知它汇款解付完毕。Procedure of D/DProcedure of D/D 汇付方式 结 算 手 段 特点优点缺点电 汇（T/T） 委托汇出行以电报/电传等电讯手段发出付款委托通知书，将款项付给指定的收款人安全可靠结算时间短收款快 费用高 信汇M/T委托汇出行以信件方式发出信汇委托书或支付通知书 费用较低 结算

9、时间长收款慢 票 汇（D/D） 以银行即期汇票或银行汇票为支付工具，由汇款人自行寄交收款人 1. 支付工具由汇款人自行传递2. 经收款人背书后，汇票可在市场流通3. 收款人可自行持票向汇入行收款电汇、信汇、票汇三种方式比较电汇、信汇、票汇三种方式比较Application of remittance in international trade1 1、Payment in AdvancePayment in Advance（预付货款预付货款）The importer pays the exporter before delivery of the goods.The importer pays

10、 the exporter before delivery of the goods. 预付货款是进口商（付款人）在出口商（收款人）将货物或货运单据交付以前将货款的全部或者一部分通过银行付给出口商，出口商收到货款后，再根据约定发运货物。 For importer: pay in advanceFor importer: pay in advance For exporter: paid in advanceFor exporter: paid in advance For bank at importers side: remitting bankFor bank at importers s

11、ide: remitting bank For bank at exporters side: paying bank For bank at exporters side: paying bank This method is favorable to the exporter while putting the importer at a great risk.2 2、Open AccountOpen Account（记账交易）（记账交易）A simple agreenment in which you agree to pay for the goods after you have received them, usually on a monthly basis.This method is favorable to the importer while putting the exporter at a great risk. Thank you for your attention!