国际结算方式 汇款.ppt

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1、Chapter3Remittance汇款1Internationalexchange国际汇兑referstooperationalactivitiesrelatedwiththecurrencyconversion货币兑换andtransferoffundsbetweencountriesinordertosettletheclaimsanddebtsbypaymentinstrumentsthroughbanks.Inbroadsense--theinternationalsettlementInnar

2、rowsense--internationalbankremittanceTypes:Internationalexchange国际汇兑payerpayeeBankABankBpayerpayeeBankABankBcontractcontractRemittance顺汇Reverseremittance逆汇资金资金结算工具结算工具2Remittance(顺汇)：也称汇付法，是由债务人或付款人主动将款项交给银行，委托银行使用某种结算工具，交付一定金额给债权人或收款人的结算方法。结算工具的传递与资金的运动方

3、向一致。Reverseremittance(逆汇)：又称出票法，是由债权人以开出汇票的方式，委托银行向国外债务人索取一定金额的结算方式。结算工具传递方向与资金运动方向相反。33.1definitionRemittancereferstothetransferoffundsfromonepartytoanotheramongdifferentcountries.Thatis,abank(theremittingbank),attherequestofitscustomer(theremitter),tran

4、sfersacertainsumofmoneytoitsoverseasbranchorcorrespondentbank(thepayingbank),instructingthemtopaytoanamedpersonorcorporation(thepayeeorbeneficiary)domiciledinthatcountry.汇款是一种顺汇方式，是银行(汇出行)应汇款人(债务人)的要求，以一定的方式将一定的金额，通过其国外联行或代理行作为付款银行(汇入行)，付款给收款人(债权人)的一种结算方式

5、。4BasedoncommercialcreditAdvancepayment预付Exporter/seller2Shipgoods1paymentOpenaccount赊账Importer/buyerImporter/buyerExporter/seller2payment1Shipgoods53.2Partiesrelatedtoaremittance3.2.1Remitter汇款人Aremitteristhepersonwhorequesthisbanktoremitfundstoabenefici

6、aryinaforeigncountry.Heisalsocalledthepayer,importer.Aremittershouldfirstsubmitaremittanceapplication,which,uponacceptancebytheremittingbank,evidencesacontractbetweentheremitterandtheremittingbank.63.2.2Payeeorbeneficiary收款人/受益人Apersonwhoisaddressedtorece

7、ivetheremittanceisnamedthePayeeorbeneficiary,exporter.73.2.3Remittingbank汇出行Aremittingbankisthebanktransferringfundsattherequestofaremittertoitscorrespondentoritsbranchinanothercountryandinstructingthelattertopayacertainamountofmoneytoabeneficiary.Aremitt

8、ingbankistheimporter’sbank.Theremittingbankmustdoasinstructedintheapplicationuntilthewholeremittanceisfinished.OutwardRemittance汇出汇款83.2.4Payingbank汇入行/解付行Apayingbankisthebankentrustedtobytheremittingbanktopayacerta