國際結(jié)算實驗二匯款結(jié)算業(yè)務.doc

實驗素材一、匯款申請書2003年3月8日，CHINA NAT. METALS & MINERALS I/E CORP.向中國農(nóng)業(yè)銀行廣州市分行提交下面這張匯款申請書，匯出行按所給問題審核匯款申請書。匯出匯款申請書(代支款憑證)APPLICATION FOR OUTWARD REMITTANCE致：中國農(nóng)業(yè)銀行 廣州 分行TO:THE AGRICULTURAL BANK OF CHINA日期 DATE:2003年3月8日茲委托貴行辦理下列匯款。I/We hereby request you to effect the following remittance電匯信匯票匯 付款地點T/T M/T D/D Drawn on銀行編號（查詢時請引述）Ref No. TT96785收款人Beneficiarys nameUnited Trading CompanyHong Kong幣別及金額Curr.& Amt.及地址& address70 Wing Tai Road, Chai Wan Hong KongHK Dollars 20,000.00賬號A/C No.0709166060322-8銀行填寫欄BANK USE ONLY收款銀行Beneficiarys BankPO SANG BANK LTD匯率(Rate)及地址& addressHONG KONG等值人民幣Equivalent in 匯款人By order ofCHINA NAT. METALS & MINERALS I/E CORP.手續(xù)費(Commission)附言Details of PaymentCOMM. UNDER S/C NO. CT0011-01郵電費(Postage & Cable)其他費用(Other Charges)合計國外銀行的一切費用由我方/收款人負擔（如無說明由收款人負擔）。匯款全過程均以電傳形式通知。All foreign banks charges are to be borne byus/payee(if not specified, all charges are to be borne by payee). All parties in the channel are advised by telex.請付敝賬(Debit my/our account)，賬號(a/c No.)茲附支票(Enclose my/our cheque)，號碼為(No.)付款行(Drawn on)現(xiàn)金支付(I/We pay cash herewith)， 聯(lián)系電話(TEL) 83738789申請人簽章張青ApplicantsStamp & Signature經(jīng)辦： 會計： 復核： 記賬： (1)匯款方式電匯(2)匯款人公司名稱CHINA NAT. METALS & MINERALS I/E CORP.(3)收款人公司名稱、地址United Trading Company , Hong Kong(4)匯款金額HKD 20,000.00(5)款項用途COMM. UNDER S/C NO. CT0011-01(6)銀行費用由哪方支付國外銀行的一切費用由收款人負擔(7)匯款當日港幣現(xiàn)鈔價為105.53/91，港幣現(xiàn)匯價為109.46/87，匯款人應提交多少港幣現(xiàn)鈔給銀行20,000.00*1.0987 = 2197.4(8)銀行在哪些情況下可免責有關電匯匯款的一切電文，本行可用顯白言語、暗碼或密碼發(fā)出，對于代理行或同業(yè)之一切錯誤、疏忽或過失，本行概不負責。倘若因下列情況而引致之任何損失，包括：款項交付或通知延誤，書函、電報或其他文件在寄發(fā)或傳送途中遺失、殘缺、錯誤、遺漏、中斷或延誤，代理行或同業(yè)之行為，戰(zhàn)爭、檢查、封鎖、叛變或騷亂，本地或外國政府或其他行政機構所實施之一切法律、規(guī)定、條例、管制及其他難以控制之事故，或由于收到時誤解，本行概不負責。(9)在我國現(xiàn)行外匯管理規(guī)定下，匯款人辦理匯款業(yè)務時應注意哪些事項此款項如需更改或取消，匯款人應親自攜帶身份證明文件和匯款收據(jù)到匯出行辦理，并需候匯出行接到外國同業(yè)通知證明匯款已取消，及根據(jù)外國同業(yè)實際退回之款項，依照匯出行當日買入價折算退回匯款人。匯出行有權要求匯款人負擔所有因此而引致之費用。所有電報費、郵費及傭金束不退還。匯款人應注意代理行可能收取不同之費用，一切費用由收款人支付，但本行有權要求匯款人賠償所有因匯款而引起之一切費用。除遺失匯票外，匯出行不受理停止支付。倘一經(jīng)接受，匯出行有權要求匯款人賠償所有因匯款而引起之一切費用。如匯款系代匯款人寄出，匯出行不付郵誤之責。如因操作情況所需，匯出行保留權利于匯款人指定地點以外不同地點支付匯款。如需要，匯款人須向銀行出示有關身份證明文件。請保留好匯款收據(jù)，以便查詢。二、電匯中的匯款電文 （一）匯出行與匯入行根據(jù)電匯中所給匯出匯款和匯入?yún)R款電文，將匯款業(yè)務指示內(nèi)容填列出來。 1.電文一：匯出匯款FM: HONGKONG AND SHANGHAI BANKING CORPORATION LTD. HONG KONGTO: THE AGRICULTURAL BANK OF CHINA GUANGZHOUDATE: 8TH JUNETEST 2876A OUR REF TT200498PLS PAY HKD34000. VALUE 8 JUNE TO ACCOUNT NO.764583934-128 FAVOUR PRECISION PHOTO EQUIPMENT LTD. JINXING BUILDING 22 GUANGZHOU MESSAGE COMM. UNDER S/C NO. 87364 ORDER COVER WE HAVE CREDITED YOUR ACCOUNT WITH US. 2.電文二：匯入?yún)R款.PCBCCNBJ.BOFAUS3NMT100 CUSTOMER TRANSFERTRANS REFVAL/CUR/AMOUNTORDERING CUSTOMERORDERING BANKACCOUNT WITHBENEFICIARYDETAILS OF PMTDETAILS OF CHARGESBANK TO BANK INF:20: 180TT09266:32A: 990712:50, USD31,681.00:50: United Prosperity Enterprise, Inc, Tortol; British Virgin Islands:52: Midland Bank Ltd., London:57A: BK OF CHINA:59: Huayu Engine Manufacturing Co. Ltd:70: Contract GH680-23:71A: BEN:72: REIBURSE WITH BK OF NKY NY 3.電文三：匯入?yún)R款FM: BANK OF AMERICA, NEW YORKTO: INDUSTRIAL AND COMMERCIAL BANK OF CHINA，GUANGDONG BRANCHDATE: 14 OCT.TEST 87593 OUR REF TT10908-04PLS PAY USD38,000.00VALUE 14, OCT. TO GUANGDONG CEREALS OIL AND FOODSTUFFS I/E GROUP CORP. VIA A/C NO.310910079 BEING PROCEEDS UNDER S/C NO.CT89768 ORDER WIN FOOD CO. LTD. COVER CREDITED YOUR H.O. ACCOUNT.電文一電文二電文三(1)匯出行HONGKONG AND SHANGHAI BANKING CORPORATION LTD. HONG KONGMidland Bank Ltd., LondonBANK OF AMERICA, NEW YORK(2)匯入行THE AGRICULTURAL BANK OF CHINA GUANGZHOUPCBCCNBJINDUSTRIAL AND COMMERCIAL BANK OF CHINA，GUANGDONG BRANCH(3)發(fā)電日期8TH JUNE990712 14TH , OCT(4)密押、匯款編號TEST 2876A OUR REF TT200498 180TT09266TEST 87593 OUR REF TT10908-04(5)匯款金額、起息時間HKD34000,VALUE 8 JUNEUSD31,681.00USD38000. VALUE 14, OCT.(6)收款人PRECISION PHOTO EQUIPMENT LTD. JINXING BUILDING 22 GUANGZHOUHuayu Engine Manufacturing Co. Ltd.GUANGDONG CEREALS OIL N FOODSTUFFS I/E GROUP CORP.(7)附言COMM. UNDER S/C NO. 87364Contract GH680-23BEING PROCEEDS UNDER S/C NO. CT89768(8)匯款人United Prosperity Enterprise, Inc, Tortol; British Virgin IslandsWIN FOOD CO. LTD.(9)頭寸劃撥WE HAVE CREDITED YOUR ACCOUNT WITH US.REIBURSE WITH BK OF NKY NYCREDITED YOUR H.O. ACCOUNT （二）中國農(nóng)業(yè)銀行廣州市分行接受CHINA NAT. METALS & MINERALS I/E CORP.的匯款申請，于2003年3月8日發(fā)送匯款電文。其中，匯入行是PO SANG BANK LTD. , HONG KONG，匯出行在匯入行開立有港幣存款賬戶，費用由受益人承擔。FM:Agricultural Bank of China, GuangzhouTO:PO SANG BANK LTD. , HONG KONGDATE：8th, Mar., 2003TESTOUR REF NO.NO ANY CHARGES FOR USPAYHKD20,000.00VALUE8th, Mar.TOUnited Trading Company Hong KongFOR CREDITING ACCOUNT NO.0709166060322-8MESSAGECOMM. UNDER S/C NO. CT0011-01ORDERCHINA NAT. METALS & MINERALS I/E CORPCOVERPlease debit our account with you. （三）中國農(nóng)業(yè)銀行廣州市分行采用SWIFT MT100匯款格式，將電報內(nèi)容輸入電腦發(fā)送至匯入行PO SANG BANK LTD., HONG KONG。TO: PO SANG BANK LTD. , HONG KONGFM: Agricultural Bank of China, GuangzhouMT100 CUSTOMER TRANSFER:20 TRANS REF NO.:32A VAL/CUR/AMOUNT:50 ORDERING CUSTOMER.:52A ORDERING BANK.:53A SENDERS CORRESPONDENT BANK.:54A RECEIVERS CORRESPONDENT BANK.:56 INTERMEDIARY BANK.:57A ACCOUNT WITH BANK:59 BENEFICIARY:70 DETAILS OF PAYMENT:71A DETAILS OF CHARGES:72 BANK TO BANK INFORMATION:_:_ 20030308 HKD20,000.00 _: CHINA NAT. METALS & MINERALS I/E CORP _ :Agricultural Bank of China, Guangzhou :_:_:_:_:_:_ PO SANG BANK LTD., HONG KONG :_ United Trading Company Hong Kong :_ COMM. UNDER S/C NO. CT0011-01_:_ Ben._: Please debit our account with you.三、信匯中的委托書和支付授權書（一）匯出行Industrial and Commercial Bank of China, Shangdong根據(jù)業(yè)務內(nèi)容，填寫支付授權書。 Date:15 Sept., 2002；Paying Bank: Hongkong and Shanghai Banking Corp. Ltd., Hong Kong; Ref No. MT28376; Amount: HKD30,000.00；Cover: Please debit our A/C with you；Message: Commission under S/C NO.FB9768；Payee: Win Food Company, Ltd., Hong Kong；Remitter: Shangdong Cereals Oil & Foodstuffs I&E Group Corp.Industrial and Commercial Bank of ChinaShangdongPAYMENT ORDER Date:15th ,Sept., 2002TOHongkong and Shanghai Banking Corp. Ltd., Hong KongNo. of payment orderTo be paid or credited toAmountMT28376Win Food Company, Ltd., Hong KongHKD30,000.00Amount in words:THIRTY THOUSAND HK DOLLARSBy order ofShangdong Cereals Oil & Foodstuffs I&E Group CorpRemarks You are authorized to debit our account with you. We have credited your A/C with us. Funds remitted to you viaIndustrial and Commercial Bank of China （二）1999年3月18日，中國銀行廣州分行收到中國銀行香港分行信匯委托書，中國銀行廣州分行按信匯委托書所示內(nèi)容對其進行審核。中國銀行香港分行BANK OF CHINA, HONG KONG BRANCH下列匯款，請即解付，如有費用請內(nèi)扣。 日期：15, March, 1999 , Guangzhou我已貸記你行賬戶。Please advise and effect thefollowing payment less your chargesif any. In cover, we have credited youraccount with us.此致TO BANK OF CHINA，GUANGZHOU信匯號碼No. of Mail transfer收款人To be paid to金額AmountMT992568Ruiqi Garment Co. Ltd., Guangzhoua/c No. 34568-113HKD200,000.00 大寫金額Amount in Words: H.K. Dollars Two Hundred Thousand附言: Being Proceeds under S/C匯款人Message No. 99CC03026By order of Universal Garment Imp. & Exp. Co. Hong Kong中 國 銀 行 香 港 分 行BANK OF CHINA, HONG KONG(1)匯出行BANK OFCHINA, HONG KONG(2)匯入行BANK OF CHINA, GUANGZHOU(3)收款人Ruiqi Garment Co. Ltd., Guangzhou(4)匯款人Universal Garment Imp. & Exp. Co., Hong Kong(5)匯款貨幣及金額HKD200,000.(6)款項用途Being Proceeds under S/C No. 99CC03026(7)匯款頭寸劃撥指示we have credited your account with us.四、 票匯中的銀行即期匯票 中國銀行紐約分行于2002年6月1日收到Wiletecc Co., Ltd., Hong Kong提交的匯票，按所給問題對匯票進行審核和處理。(1)匯出行BANK OF CHINA, GUANGZHOU(2)匯入行Bank of China, 410 Madison Avenue, New York (3)收款人Wiletecc Co., Ltd.,New York (4)匯款人(5)匯款貨幣及金額U.S. D20,000.00(6)匯票的付款期限At sight(7)客戶提出匯票遺失，出票行的處理客戶提交擔保書，匯出行補發(fā)匯票(8)是否是中心匯票是一張美元的中心匯票五、匯款中的退匯 根據(jù)匯出行和匯入行發(fā)出的退匯電文和退匯通知書，按其所示內(nèi)容進行處理。 （一）退匯電文一 We return herewith your Draft No. C249/7681 for USD200,000.00 for credit to our account 786-723987-023 Anglo International Co. and regret to advise that we are unable to deposit the proceeds to the captioned account because the name of the payee differs from our records. It should read as Anglo International Co. Ltd. （二）退匯電文二 Our Draft No. 3893-987 dated 20 May 2002 for AUD105,000.00 for credit to Goodluck Co. Ltd., referring to the captioned item, we are informed by the remitter that the above mentioned draft has gone ashtray in mail delivery. In this connection, we shall be much obliged if you will cancel the said draft from your records and return the relative advice of drawing to us. （三）退匯通知書Your Remittance receipt No. TT56343for HKD65,00000 dated Aug. 30, 2001payable to A/C No. 86754for A/C of BBB Co.with reference to the above, we return herewith the remittance receipt to you for the following reason(s):No accountAccount closedName N A/C not matchedInsufficient detail to identifyKindly acknowledge receipt by signing and returning to us the attached copy of this letter.業(yè)務及處理退匯電文一退匯電文二退匯通知書(1)匯款基本情況Draft No. C249/7681 for USD200,000.00 for credit to our account 786-723987-023 Anglo International Co.Draft No. 3893-987 dated 20 May 2002 for AUD105,000.00 for credit to Goodluck Co. Ltd.Your Remittance receipt No. TT56343(2)退匯理由we are unable to deposit the proceeds to the captioned account because the name of the payee differs from our recordsdraft has gone ashtray in mail deliveryAccount closed(3)退匯的銀行匯入行匯出行匯入行(4)銀行的處理匯出行與匯款人取得聯(lián)系，確認收款人名稱cancel the said draft from your records and return the relative advice of drawing to us.辦理退匯手續(xù)六、匯款的查詢 根據(jù)匯出行和匯入行所給查詢電文和查詢書，按其所示內(nèi)容進行處理。 （一）電文一Re: Our P.O. Ref H783746 Dated Feb. 20, 2000The beneficiary claims non-receipt of the funds up todate, you are kindly requested to investigate this matter and revert by telex. （二）電文二Re: Our P.O. Ref 8976224 Dated July 10, 2001Please furnish us with more information such as contract No., the name of the goods and the quantity, because the beneficiary are unable to apply with the information given. （三）電文三Re: Our P.O. Ref J67398 Dated Nov. 18, 2001Please let us learn the full address of the payee of your above payment order, as we have been unable to locate them and are holding your order pending. （四）電文四Re: Our P.O. Ref 563765 Dated Jan. 7, 2000If the payment has already been effected, please forward us the payees receipt. （五）查詢書一XXX BankTo:YYY BankOurDD/MT/TT No.TT200498dated8 June 2002forUSD505,000.00in favour ofKim Hwa Textiles Co., 89 London St., SingaporeWe refer to the above remittance and request you to take note of the following item(s) marked“X”and act accordingly:We have received your letter/cable dated.The name and address of the payee are amended to read as follow:The remitter has informed us that the above remittance had not yet been received by the payee upto the date.If the payment has already been effected, please forward the payees receipt to us.Kindly confirm to us bymail/cable the date of payment of the remittance.The above DD has been return to us for cacellation.The above DD has been reported last and should be treated as cancelled, please confirm that you have placed stop payment on this DD.At the request of the remitter please cancel the above remittance immediately, if unpaid and credit the amount to our account with you after deducting your charges if any, under advice to us.XXX Bank （六）查詢書二XXX Bank To:YYY Bank Re: YourTT999888dated990323for USD8,900.00 Payable toHing Long Magnetronic Co. Ltd. We refer to the above mentioned item and would like to advise you as marked“X”below:The payment order is not properly signed, please confirm its regularity.The amount in words and figures on the payment order differ, please confirm the correct amount.Payment was effected on, a photocopy of the beneficiarys receip