出口保理項(xiàng)下進(jìn)口保理商預(yù)付貨款融資服務(wù)方案

1、 .交通銀行出口保理項(xiàng)下進(jìn)口保理商預(yù)付貨款融資服務(wù)方案為拓寬融資渠道，促進(jìn)國(guó)際保理業(yè)務(wù)發(fā)展，總行與進(jìn)口保理商合作創(chuàng)新推出了出口保理項(xiàng)下進(jìn)口保理商預(yù)付貨款融資服務(wù)方案，現(xiàn)將服務(wù)方案明確如下：一、方案簡(jiǎn)介境內(nèi)出口商和交行（出口保理商）簽訂出口保理合同，出運(yùn)貨物后向交行提出出口保理融資申請(qǐng)。交行受讓出口商的應(yīng)收賬款后，將該應(yīng)收賬款再轉(zhuǎn)讓給進(jìn)口保理商，由進(jìn)口保理商基于受讓的應(yīng)收賬款債權(quán)向交行提供預(yù)付貨款融資的服務(wù)。目前，交行與臺(tái)北富邦銀行簽署了預(yù)付貨款合作協(xié)議，后期將視業(yè)務(wù)情況擴(kuò)大合作進(jìn)口保理商名單。二、服務(wù)類型根據(jù)進(jìn)口保理商在國(guó)際雙保理項(xiàng)下承擔(dān)的責(zé)任不同，保理預(yù)付貨款融資服務(wù)分為有追索權(quán)保理（托收型

2、保理）和無(wú)追索權(quán)保理（核準(zhǔn)額度型保理）項(xiàng)下的預(yù)付貨款融資。（一）有追索權(quán)保理（托收型保理）項(xiàng)下的預(yù)付貨款融資有追索權(quán)保理項(xiàng)下，進(jìn)口保理商不承擔(dān)買方信用風(fēng)險(xiǎn)，僅提供賬款管理和催收服務(wù)。進(jìn)口保理商據(jù)此向交行提供的預(yù)付貨款融資，因任何原因?qū)е沦I方到期無(wú)法按時(shí)足額支付貨款，交行需向其全額償還融資本息。 (二)無(wú)追索權(quán)保理（核準(zhǔn)額度型保理）項(xiàng)下的預(yù)付貨款融資無(wú)追索權(quán)保理項(xiàng)下，進(jìn)口保理商既承擔(dān)買方信用風(fēng)險(xiǎn)，又提供賬款管理和催收服務(wù)。進(jìn)口保理商據(jù)此向交行提供的預(yù)付貨款融資：1、因非商業(yè)糾紛原因?qū)е沦I方到期無(wú)法按時(shí)足額支付貨款，進(jìn)口保理商將依據(jù)GRIF有關(guān)規(guī)則擔(dān)保付款。2、因商業(yè)糾紛原因?qū)е沦I方到期無(wú)法按時(shí)足

3、額支付貨款且在一定時(shí)間內(nèi)買賣雙方仍未解決糾紛的，交行需向進(jìn)口保理商全額償還融資本息。三、業(yè)務(wù)規(guī)定（一）進(jìn)口保理商預(yù)付貨款融資服務(wù)依照交通銀行出口保理融資業(yè)務(wù)管理辦法（交銀辦20107號(hào)）規(guī)定辦理。（二）除另有約定外，預(yù)付貨款融資比例為應(yīng)收賬款金額的80%。預(yù)付貨款利息由進(jìn)口保理商在撥付融資款時(shí)預(yù)先扣除，融資期限根據(jù)融資日和預(yù)計(jì)收匯時(shí)間合理確定。（三）出口商保理項(xiàng)下應(yīng)收賬款為保理預(yù)付貨款融資的第一還款來(lái)源。融資到期日，進(jìn)口保理商直接扣收買方支付貨款金額的80%后再將余款劃撥至出口商。如實(shí)際收匯時(shí)間超過(guò)預(yù)計(jì)收匯時(shí)間，進(jìn)口保理商將從20的余款中補(bǔ)收利息。如實(shí)際收匯時(shí)間提前，進(jìn)口保理商不退還多收的利息

4、。（四）如應(yīng)收賬款發(fā)生爭(zhēng)議，分行應(yīng)立即要求出口商歸還交行的預(yù)付融資款。（五）分行在為出口商提供預(yù)付款融資服務(wù)前，應(yīng)與出口商簽訂出口保理合同。四、商業(yè)糾紛或間接付款的處理（一）商業(yè)糾紛若買賣雙方發(fā)生商業(yè)糾紛爭(zhēng)議，分行應(yīng)立即要求出口商回購(gòu)應(yīng)收賬款并向出口商追索融資本息，最晚于發(fā)生商業(yè)糾紛日起45日內(nèi)且不得晚于應(yīng)收賬款到期后第45天向進(jìn)口保理商足額償還融資本息。（二）間接付款間接付款是指交行或賣方直接收到買方支付的款項(xiàng)。發(fā)生間接付款的情況，分行應(yīng)于收到款項(xiàng)、接獲賣方確認(rèn)收款的通知或接獲買方已付款通知后，立即將應(yīng)收賬款反轉(zhuǎn)讓給出口商，并向出口商追索融資本息，最晚在接獲上述通知的第5個(gè)工作日，向進(jìn)口保理

5、商清償足額本息款。五、案卷管理為跟蹤預(yù)付款融資資金收匯狀態(tài)，掌握業(yè)務(wù)辦理情況，分行應(yīng)建立預(yù)付款融資業(yè)務(wù)臺(tái)帳（附件1）。附件1：預(yù)付款融資業(yè)務(wù)臺(tái)帳出口保理項(xiàng)下進(jìn)口保理商預(yù)付貨款融資業(yè)務(wù)臺(tái)帳業(yè)務(wù)編號(hào)進(jìn)口保理商預(yù)付款融資日期幣種預(yù)付款融資金額融資期限（天）融資到期日融資價(jià)格預(yù)扣利息尾款金額尾款收匯日期備注交通銀行出口保理項(xiàng)下進(jìn)口保理商預(yù)付貨款融資業(yè)務(wù)操作指引為規(guī)范出口保理項(xiàng)下進(jìn)口保理商預(yù)付貨款融資業(yè)務(wù)操作，促進(jìn)業(yè)務(wù)健康快速發(fā)展，制定本操作指引。一、出口保理額度申請(qǐng)（一）有追索權(quán)保理（托收型保理）項(xiàng)下預(yù)付款融資（以出口商不要求進(jìn)口保理商承擔(dān)買方風(fēng)險(xiǎn)，但要求提供80萬(wàn)美元融資額度為例）分行在IBP發(fā)起出

6、口保理額度申請(qǐng)（交易碼708041），申請(qǐng)額度種類選擇“有追索”，申請(qǐng)額度金額填寫融資額度80萬(wàn)美元，附言填寫“Bank of Communications provide credit cover on seller financing amount of USD 800,000.00 and related interest.”（二）無(wú)追索權(quán)保理（核準(zhǔn)額度型保理）項(xiàng)下預(yù)付款融資（以出口商要求進(jìn)口保理商承擔(dān)買方風(fēng)險(xiǎn)100萬(wàn)，預(yù)付款融資額度80萬(wàn)美元為例）分行在IBP發(fā)起出口保理額度申請(qǐng)（交易碼708041），申請(qǐng)額度種類選擇“無(wú)追索”，申請(qǐng)額度金額填寫保理額度100萬(wàn)美元（即進(jìn)口保理商承擔(dān)的

7、買方信用風(fēng)險(xiǎn)額度），附言填寫“Bank of Communications provide credit cover on seller financing amount of USD 800,000.00 and related interest.”二、保理額度及融資額度核準(zhǔn)收到進(jìn)口保理商發(fā)來(lái)的融資額度和保理額度核準(zhǔn)電文后，分行在IBP進(jìn)行電文處理（交易碼601804）和出口保理額度申請(qǐng)答復(fù)/確認(rèn)（交易碼708071），建立出口保理額度。國(guó)外EDI電文MSG04+06示例如下：（一）有追索權(quán)保理（托收型保理）項(xiàng)下的額度和融資回復(fù)電文:MSG04-Pricing Information Cre

8、ated ByyuchunliuStatusStatus 04(Retrieved)Export FactorCN00300 Bank of CommunicationsImport FactorTW01600 Taipei Fubon Commercial Bank Message Date2011/8/11SellerSeller Number77777777Seller NameAAA CO., LTDFactor CommissionGross Turnover Percentage Commission0.3Price Per DocumentDocument CurrencyBan

9、k Charge IncludedBank charges are charged to the EFCharge Per Preliminary Credit AssessmentCharge CurrencyUSDOther ChargesOther CurrencyMessage Text1.Buyer Name: BBB CO., LTD.2.TPFB commission is XX% per invoice. TPFB CHARGE INTEREST RATE: Libor+XX bpsMSG06-Credit Cover Created ByyuchunliuStatusStat

10、us06(Retrieved)Export FactorCN00300 Bank of CommunicationsImport FactorTW01600 Taipei Fubon Commercial BankReply Date2011-08-11Credit Cover Number20060811-AMessage FunctionCredit cover decisionOriginal Request NumberFC0904000042Original Request Date38935SellerSeller Number77777777Seller NameAAA CO.,

11、LTDImport Factor Own Seller NumberBuyerBuyer Company Registration NumberResponsible AgencyBuyer Number88888888Import Factor Own Buyer NumberBuyer NameBBB CO., LTDName ContinuedStreet and Number PO BoxCityProvince StatePostcodeCountryContact NameTelephone NumberFax NumberEmailCredit Cover DetailsCred

12、it Amount0CurrencyUSDOwn Risk AmountOwn Risk PercentageLongest Credit PeriodValid From Date40785Expiry Date41150ResponseApprovedReasonNo commentCredit Cover Amount Check0Message Text1. Bank of Communications own buyer risk percentage: 100%. Bank of Communications provide credit cover on seller finan

13、cing amount of USD 800,000.00 and related interest.2. TPFB provide advance finance in 80% of each invoice amount and the total amt of advance finance will not exceeding USD800,000.00.（二）無(wú)追索權(quán)保理（核準(zhǔn)額度型保理）項(xiàng)下的額度和融資回復(fù)電文:MSG04-Pricing Information Created ByyuchunliuStatusStatus 04(Retrieved)Export FactorCN

14、00300 Bank of CommunicationsImport FactorTW01600 Taipei Fubon Commercial Bank Message Date2011/8/11SellerSeller Number77777777Seller NameAAA CO., LTDFactor CommissionGross Turnover Percentage Commission0.3Price Per DocumentDocument CurrencyBank Charge IncludedBank charges are charged to the EFCharge

15、 Per Preliminary Credit AssessmentCharge CurrencyUSDOther ChargesOther CurrencyMessage Text1.Buyer Name: BBB CO., LTD.2.TPFB commission is XX% per invoice. TPFB CHARGE INTEREST RATE: Libor+XX bpsMSG06-Credit Cover Created ByyuchunliuStatusStatus06(Retrieved)Export FactorCN00300 Bank of Communication

16、sImport FactorTW01600 Taipei Fubon Commercial BankReply Date38940Credit Cover Number20060811-AMessage FunctionCredit cover decisionOriginal Request NumberFC0904000042Original Request Date38935SellerSeller Number77777777Seller NameAAA CO.,LTDImport Factor Own Seller NumberBuyerBuyer Company Registrat

17、ion NumberResponsible AgencyBuyer Number88888888Import Factor Own Buyer NumberBuyer NameBBB CO., LTDName ContinuedStreet and Number PO BoxCityProvince StatePostcodeCountryContact NameTelephone NumberFax NumberEmailCredit Cover DetailsCredit Amount1,000,000.00 CurrencyUSDOwn Risk AmountOwn Risk Perce

18、ntageLongest Credit PeriodValid From Date40785Expiry Date41150ResponseApprovedReasonNo commentCredit Cover Amount Check1,000,000.00 Message Text1. TPFB provides advance finance amt of USD800,000.00 and buyer risk of USD 1,000,000.00. 2. Bank of Communications provides credit cover on seller financin

19、g amount of USD 800,000.00 and related interest.3. TPFB provides advance finance in 80% of each invoice amount and the total amt of advance finance will not exceeding USD800,000.00.三、出口保理發(fā)票轉(zhuǎn)讓及保理預(yù)付款融資申請(qǐng)（以發(fā)票金額10萬(wàn)美元，進(jìn)口保理商核準(zhǔn)融資比例80%為例）分行應(yīng)于保理預(yù)付款預(yù)計(jì)撥付日前兩個(gè)工作日，在IBP系統(tǒng)發(fā)起出口保理發(fā)票轉(zhuǎn)讓交易（交易碼708081），錄入轉(zhuǎn)讓的發(fā)票信息（如發(fā)票金額10萬(wàn)美

20、元）后，在附言中標(biāo)注預(yù)計(jì)撥付日、申請(qǐng)撥付金額及付款指示等信息，附言內(nèi)容舉例如下“Drawdown Amount: USD 80,000.00, Drawdown Date：YYMMDD。Payment Instructions:XXXXXXXX”?？傂袑徟笸ㄟ^(guò)EDI系統(tǒng)將相關(guān)信息通知進(jìn)口保理商。（若申請(qǐng)前得知實(shí)際融資價(jià)格與EDI MSG06融資報(bào)價(jià)有所差異，分行可通過(guò)郵件與進(jìn)口保理商另行溝通確定）四、保理預(yù)付款款項(xiàng)入賬在收到交行的發(fā)票轉(zhuǎn)讓和預(yù)付款融資申請(qǐng)電文后，進(jìn)口保理商將按照指示向我行劃撥資金。分行收到資金后，在IBP系統(tǒng)發(fā)起“出口保理收匯/結(jié)匯經(jīng)辦”（交易碼708141），選擇“部分收匯”和“不申報(bào)”進(jìn)行操作。占用客戶授信的，