国际结算实验二汇款结算业务

实验素材一、汇款申请书      2003年3月8日，CHINANAT.METALS&MINERALSI/ECORP.向中国农业银行广州市分行提交下面这张汇款申请书，汇出行按所给问题审核汇款申请书。汇出汇款申请书(代支款凭证)APPLICATIONFOROUTWARDREMITTANCE致：中国农业银行  广州  分行TO:THEAGRICULTURALBANKOFCHINA 日期DATE: 2003年3月8日兹委托贵行办理下列汇款。I/Weherebyrequestyoutoeffectthefollowingremittance电汇 信汇 票汇付款地点    T/T    M/T   D/D  Drawnon银行编号（查询时请引述）RefNo.TT96785收款人Beneficiary'snameUnitedTradingCompanyHongKong币别及金额Curr.&Amt.及地址&address70WingTaiRoad,ChaiWanHongKongHKDollars20,000.00账号A/CNo.0709166060322-8银行填写栏BANKUSEONLY收款银行Beneficiary'sBankPOSANGBANKLTD汇率(Rate) 及地址&addressHONGKONG等值人民币Equivalentin¥ 汇款人ByorderofCHINANAT.METALS&MINERALSI/ECORP.手续费(Commission) 附言DetailsofPaymentCOMM.UNDERS/CNO.CT0011-01邮电费(Postage&Cable) 其他费用(OtherCharges) 合计 国外银行的一切费用由我方/收款人负担（如无说明由收款人负担）。汇款全过程均以电传形式通知。Allforeignbankschargesaretobeborneby us/payee(ifnotspecified,allchargesaretobebornebypayee). Allpartiesinthechannelareadvisedbytelex.请付敝账(Debitmy/ouraccount)，账号(a/cNo.)兹附支票(Enclosemy/ourcheque)，号码为(No.)付款行(Drawnon)现金支付(I/Wepaycashherewith)，联系电话(TEL)83738789 申请人签章张青Applicant's Stamp&Signature                                                                 经办：    会计：      复核：     记账：       (1)汇款方式电汇(2)汇款人公司名称CHINANAT.METALS&MINERALSI/ECORP.(3)收款人公司名称、地址UnitedTradingCompany,HongKong(4)汇款金额HKD20,000.00(5)款项用途COMM.UNDERS/CNO.CT0011-01(6)银行费用由哪方支付国外银行的一切费用由收款人负担(7)汇款当日港币现钞价为105.53/91，港币现汇价为109.46/87，汇款人应提交多少港币现钞给银行20,000.00*1.0987=2197.4(8)银行在哪些情况下可免责①有关电汇汇款的一切电文，本行可用显白言语、暗码或密码发出，对于代理行或同业之一切错误、疏忽或过失，本行概不负责。②倘若因下列情况而引致之任何损失，包括：款项交付或通知延误，书函、电报或其他文件在寄发或传送途中遗失、残缺、错误、遗漏、中断或延误，代理行或同业之行为，战争、检查、封锁、叛变或骚乱，本地或外国政府或其他行政机构所实施之一切法律、规定、条例、管制及其他难以控制之事故，或由于收到时误解，本行概不负责。(9)在我国现行外汇管理规定下，汇款人办理汇款业务时应注意哪些事项①此款项如需更改或取消，汇款人应亲自携带身份证明文件和汇款收据到汇出行办理，并需候汇出行接到外国同业通知证明汇款已取消，及根据外国同业实际退回之款项，依照汇出行当日买入价折算退回汇款人。汇出行有权要求汇款人负担所有因此而引致之费用。所有电报费、邮费及佣金束不退还。②汇款人应注意代理行可能收取不同之费用，一切费用由收款人支付，但本行有权要求汇款人赔偿所有因汇款而引起之一切费用。③除遗失汇票外，汇出行不受理停止支付。倘一经接受，汇出行有权要求汇款人赔偿所有因汇款而引起之一切费用。④如汇款系代汇款人寄出，汇出行不付邮误之责。⑤如因操作情况所需，汇出行保留权利于汇款人指定地点以外不同地点支付汇款。⑥如需要，汇款人须向银行出示有关身份证明文件。⑦请保留好汇款收据，以便查询。二、电汇中的汇款电文     （一）汇出行与汇入行根据电汇中所给汇出汇款和汇入汇款电文，将汇款业务指示内容填列出来。     1.电文一：汇出汇款FM:HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONGTO:THEAGRICULTURALBANKOFCHINAGUANGZHOU DATE:8THJUNE TEST2876AOURREFTT200498 PLSPAYHKD34000. VALUE8JUNETOACCOUNTNO.764583934-128FAVOURPRECISIONPHOTOEQUIPMENTLTD.JINXINGBUILDING22GUANGZHOUMESSAGECOMM.UNDERS/CNO.87364ORDERCOVERWEHAVECREDITEDYOURACCOUNTWITHUS.     2.电文二：汇入汇款...PCBCCNBJ...BOFAUS3N MT100CUSTOMERTRANSFERTRANSREF VAL/CUR/AMOUNT  ORDERINGCUSTOMER  ORDERINGBANK ACCOUNTWITH BENEFICIARYDETAILSOFPMT DETAILSOFCHARGES BANKTOBANKINF :20:180TT09266:32A:990712:50,USD31,681.00:50:UnitedProsperityEnterprise,Inc,  Tortol;BritishVirginIslands:52:MidlandBankLtd.,London:57A:BKOFCHINA :59:HuayuEngineManufacturingCo.Ltd:70:ContractGH680-23:71A:BEN:72:REIBURSEWITHBKOFNKYNY     3.电文三：汇入汇款FM:BANKOFAMERICA,NEWYORKTO:INDUSTRIALANDCOMMERCIALBANKOFCHINA，GUANGDONGBRANCHDATE:14OCT.TEST87593OURREFTT10908-04 PLSPAYUSD38,000.00VALUE14,OCT.TOGUANGDONGCEREALSOILANDFOODSTUFFSI/EGROUPCORP.VIAA/CNO.310910079BEINGPROCEEDSUNDERS/CNO.CT89768ORDERWINFOODCO.LTD.COVERCREDITEDYOURH.O.ACCOUNT.　电文一电文二电文三(1)汇出行HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONGMidlandBankLtd.,LondonBANKOFAMERICA,NEWYORK(2)汇入行THEAGRICULTURALBANKOFCHINAGUANGZHOUPCBCCNBJINDUSTRIALANDCOMMERCIALBANKOFCHINA，GUANGDONGBRANCH(3)发电日期8THJUNE99071214TH,OCT(4)密押、汇款编号TEST2876AOURREFTT200498180TT09266TEST87593OURREFTT10908-04(5)汇款金额、起息时间HKD34000,VALUE8JUNEUSD31,681.00USD38000.VALUE14,OCT.(6)收款人PRECISIONPHOTOEQUIPMENTLTD.JINXINGBUILDING22GUANGZHOUHuayuEngineManufacturingCo.Ltd.GUANGDONGCEREALSOILNFOODSTUFFSI/EGROUPCORP.(7)附言COMM.UNDERS/CNO.87364ContractGH680-23BEINGPROCEEDSUNDERS/CNO.CT89768(8)汇款人UnitedProsperityEnterprise,Inc,Tortol;BritishVirginIslandsWINFOODCO.LTD.(9)头寸划拨WEHAVECREDITEDYOURACCOUNTWITHUS.REIBURSEWITHBKOFNKYNYCREDITEDYOURH.O.ACCOUNT     （二）中国农业银行广州市分行接受CHINANAT.METALS&MINERALSI/ECORP.的汇款申请，于2003年3月8日发送汇款电文。其中，汇入行是POSANGBANKLTD.,HONGKONG，汇出行在汇入行开立有港币存款账户，费用由受益人承担。 FM:  AgriculturalBankofChina,Guangzhou  TO:   POSANGBANKLTD.,HONGKONG  DATE： 8th,Mar.,2003   TEST                                           OURREFNO.                                            NOANYCHARGESFORUSPAY   HKD20,000.00        VALUE  8th,Mar.   TO   UnitedTradingCompanyHongKong     FORCREDITINGACCOUNTNO.  0709166060322-8    MESSAGE  COMM.UNDERS/CNO.CT0011-01  ORDER   CHINANAT.METALS&MINERALSI/ECORP     COVER   Pleasedebitouraccountwithyou.       （三）中国农业银行广州市分行采用SWIFTMT100汇款格式，将电报内容输入电脑发送至汇入行POSANGBANKLTD.,HONGKONG。 TO:POSANGBANKLTD.,HONGKONGFM:AgriculturalBankofChina,GuangzhouMT100CUSTOMERTRANSFER:20TRANSREFNO.:32AVAL/CUR/AMOUNT:50ORDERINGCUSTOMER. :52AORDERINGBANK.:53ASENDER'SCORRESPONDENTBANK.:54ARECEIVER'SCORRESPONDENTBANK.:56INTERMEDIARYBANK.:57AACCOUNTWITHBANK:59BENEFICIARY:70DETAILSOFPAYMENT:71ADETAILSOFCHARGES:72BANKTOBANKINFORMATION:______________________:_20030308HKD20,000.00_:CHINANAT.METALS&MINERALSI/ECORP_:AgriculturalBankofChina,Guangzhou:______________________:______________________:______________________:______________________:______________________:_POSANGBANKLTD.,HONGKONG:_UnitedTradingCompanyHongKong:_COMM.UNDERS/CNO.CT0011-01_:_Ben._:Pleasedebitouraccountwithyou.三、信汇中的委托书和支付授权书     （一）汇出行IndustrialandCommercialBankofChina,Shangdong根据业务内容，填写支付授权书。     ①Date:15Sept.,2002；②PayingBank:HongkongandShanghaiBankingCorp.Ltd.,HongKong;③RefNo.MT28376;④Amount:HKD30,000.00；⑤Cover:PleasedebitourA/Cwithyou；⑥Message:CommissionunderS/CNO.FB9768；⑦Payee:WinFoodCompany,Ltd.,HongKong；⑧Remitter:ShangdongCerealsOil&FoodstuffsI&EGroupCorp.IndustrialandCommercialBankofChinaShangdongPAYMENTORDER                                         Date: 15th,Sept.,2002 　TO HongkongandShanghaiBankingCorp.Ltd.,HongKong 　No.ofpaymentorderTobepaidorcreditedtoAmount MT28376 WinFoodCompany,Ltd.,HongKong HKD30,000.00Amountinwords:   THIRTYTHOUSANDHKDOLLARS  Byorderof ShangdongCerealsOil&FoodstuffsI&EGroupCorp Remarks□Youareauthorizedtodebitouraccountwithyou.□WehavecreditedyourA/Cwithus. □Fundsremittedtoyouvia IndustrialandCommercialBankofChina     （二）1999年3月18日，中国银行广州分行收到中国银行香港分行信汇委托书，中国银行广州分行按信汇委托书所示内容对其进行审核。中国银行香港分行BANKOFCHINA,HONGKONGBRANCH下列汇款，请即解付，如有费用请内扣。            日期：15,March,1999,Guangzhou我已贷记你行账户。Pleaseadviseandeffectthe followingpaymentlessyourcharges ifany.Incover,wehavecreditedyouraccountwithus.此致TOBANKOFCHINA，GUANGZHOU  　信汇号码No.ofMailtransfer收款人Tobepaidto金额Amount MT992568RuiqiGarmentCo.Ltd.,Guangzhoua/cNo.34568-113HKD200,000.00 大写金额AmountinWords:H.K.DollarsTwoHundredThousand附言:BeingProceedsunderS/C汇款人 MessageNo.99CC03026ByorderofUniversalGarmentImp.&Exp.Co.                      HongKong中国银行香港分行     BANKOFCHINA,HONGKONG (1)汇出行BANKOFCHINA,HONGKONG(2)汇入行BANKOFCHINA,GUANGZHOU(3)收款人RuiqiGarmentCo.Ltd.,Guangzhou(4)汇款人UniversalGarmentImp.&Exp.Co.,HongKong(5)汇款货币及金额HKD200,000.(6)款项用途BeingProceedsunderS/CNo.99CC03026(7)汇款头寸划拨指示wehavecreditedyouraccountwithus.四、票汇中的银行即期汇票     中国银行纽约分行于2002年6月1日收到WileteccCo.,Ltd.,HongKong提交的汇票，按所给问题对汇票进行审核和处理。 (1)汇出行BANKOFCHINA,GUANGZHOU(2)汇入行BankofChina,410MadisonAvenue,NewYork(3)收款人WileteccCo.,Ltd.,NewYork(4)汇款人(5)汇款货币及金额U.S.D20,000.00(6)汇票的付款期限Atsight(7)客户提出汇票遗失，出票行的处理客户提交担保书，汇出行补发汇票(8)是否是中心汇票是一张美元的中心汇票五、汇款中的退汇     根据汇出行和汇入行发出的退汇电文和退汇通知书，按其所示内容进行处理。     （一）退汇电文一   WereturnherewithyourDraftNo.C249/7681forUSD200,000.00forcredittoouraccount786-723987-023AngloInternationalCo.andregrettoadvisethatweareunabletodeposittheproceedstothecaptionedaccountbecausethenameofthepayeediffersfromourrecords.ItshouldreadasAngloInternationalCo.Ltd....     （二）退汇电文二   OurDraftNo.3893-987dated20May2002forAUD105,000.00forcredittoGoodluckCo.Ltd.,referringtothecaptioneditem,weareinformedbytheremitterthattheabovementioneddrafthasgoneashtrayinmaildelivery.   Inthisconnection,weshallbemuchobligedifyouwillcancelthesaiddraftfromyourrecordsandreturntherelativeadviceofdrawingtous.     （三）退汇通知书 YourRemittancereceiptNo.TT56343forHKD65,00000datedAug.30,2001payabletoA/CNo.86754forA/CofBBBCo.withreferencetotheabove,wereturnherewiththeremittancereceipttoyouforthefollowingreason(s):NoaccountAccountclosedNameNA/CnotmatchedInsufficientdetailtoidentifyKindlyacknowledgereceiptbysigningandreturningtoustheattachedcopyofthisletter. 业务及处理退汇电文一退汇电文二退汇通知书(1)汇款基本情况DraftNo.C249/7681forUSD200,000.00forcredittoouraccount786-723987-023AngloInternationalCo.DraftNo.3893-987dated20May2002forAUD105,000.00forcredittoGoodluckCo.Ltd.YourRemittancereceiptNo.TT56343(2)退汇理由weareunabletodeposittheproceedstothecaptionedaccountbecausethenameofthepayeediffersfromourrecordsdrafthasgoneashtrayinmaildeliveryAccountclosed(3)退汇的银行汇入行汇出行汇入行(4)银行的处理汇出行与汇款人取得联系，确认收款人名称cancelthesaiddraftfromyourrecordsandreturntherelativeadviceofdrawingtous.办理退汇手续六、汇款的查询     根据汇出行和汇入行所给查询电文和查询书，按其所示内容进行处理。     （一）电文一Re:OurP.O.RefH783746DatedFeb.20,2000Thebeneficiaryclaimsnon-receiptofthefundsuptodate,youarekindlyrequestedtoinvestigatethismatterandrevertbytelex.     （二）电文二Re:OurP.O.Ref8976224DatedJuly10,2001PleasefurnishuswithmoreinformationsuchascontractNo.,thenameofthegoodsandthequantity,becausethebeneficiaryareunabletoapplywiththeinformationgiven.     （三）电文三Re:OurP.O.RefJ67398DatedNov.18,2001Pleaseletuslearnthefulladdressofthepayeeofyourabovepaymentorder,aswehavebeenunabletolocatethemandareholdingyourorderpending.     （四）电文四Re:OurP.O.Ref563765DatedJan.7,2000Ifthepaymenthasalreadybeeneffected,pleaseforwardusthepayee'sreceipt.     （五）查询书一XXXBankTo:YYYBankOur  DD/MT/TTNo.TT200498 dated 8June2002 for USD505,000.00infavourof KimHwaTextilesCo.,89LondonSt.,SingaporeWerefertotheaboveremittanceandrequestyoutotakenoteofthefollowingitem(s)marked“X”andactaccordingly: Wehavereceivedyourletter/cabledated             . Thenameandaddressofthepayeeareamendedtoreadasfollow: Theremitterhasinformedusthattheaboveremittancehadnotyetbeenreceivedbythepayeeuptothedate. Ifthepaymenthasalreadybeeneffected,pleaseforwardthepayeesreceipttous. Kindlyconfirmtousby mail/cablethedateofpaymentoftheremittance. TheaboveDDhasbeenreturntousforcacellation. TheaboveDDhasbeenreportedlastandshouldbetreatedascancelled,pleaseconfirmthatyouhaveplacedstoppaymentonthisDD. Attherequestoftheremitterpleasecanceltheaboveremittanceimmediately,ifunpaidandcredittheamounttoouraccountwithyouafterdeductingyourchargesifany,underadvicetous.XXXBank                      （六）查询书二XXXBank     To:YYYBank     Re:Your TT999888 dated 990323 forUSD8,900.00Payableto HingLongMagnetronicCo.Ltd.   Werefertotheabovementioneditemandwouldliketoadviseyouasmarked“X”below: Thepaymentorderisnotproperlysigned,pleaseconfirmitsregularity. Theamountinwordsandfiguresonthepaymentorderdiffer,pleaseconfirmthecorrectamount. Paymentwaseffectedon              ,aphotocopyofthebeneficiarysreceiptisenclosedforyourreference. Thebeneficiarycannotbelocatedattheaddressgiven,pleasegivefurtherinformation. Name/addressofthebeneficiaryisincomplete,pleasegivefulldetails. Beneficiary'sname/accountnumberdoesnotmatchwiththatinourrecordsPleasefurnishuswiththecorrectinformation.(Theaccountname/numbershouldread                            ). Thebeneficiary'snamediffersfromthatinhis/heridentificationdocumentpleaseletushavethecorrectname. Wedonotappeartohavereceivedyourreimbursement,pleasepromptlyinvestigateandcreditouraccountwithBankofAmericaN.T.&S.A.,insettlementunderadvicetous. Weencloseaphotocopyoftelexfrom              of               withyourselves,pleaseauthenticateit.□Wehavenotyetreceivedyourreplytoourletter(s)of             ,photocopy(ies)ofwhichis/areendorsedforyourreference.Pleaseletushaveyourreplyassoonaspossible.□PleasecontactourMiss/Mr.                  ofremittanceDeptat                   .□Withreferencetoyourletterdated                  claimingnon-receiptofourdebitadviceoftheaboveremittance,weherebyenclosetheduplicatedadviceforyourdisposal.   Thankyouforyourkindlyattention.XXXBank            　电文一电文二电文三电文四查询书一查询书二查询内容汇款解付情况提供合同、货物等详细情况收款人地址解付汇款后提交收款收据汇款解付情况和确切的付款时间汇款金额、汇款头寸拨付银行的处理汇入行进行调查，汇款金额是否已解付