chapter four collection

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,Chapter Four,Means of International Settlement-Collection,In this chapter,you will learn,Definition,Parties of collection,Types of collection,Procedure of collection,Risk protection and financing under,documentary/clean collection,跟单,/,光票托收,D/P,D/A,付款交单,承兑交单,4.1 Definition,托收定义,I.,Collection is an arrangement whereby the goods are,shipped and a relevant,bill of exchange,is drawn by the,seller on the buyer,and/or,commercial documents,are,forwarded to the sellers bank with clear instructions for,collection through one of its correspondent bank located,in the domicile of the buyer.,Financial instrument,Bill of lading,（title documents),4.1 Definition,托收定义,1.Please list the parties involved in collection.,2.How many kinds of documents should the beneficiary present to a bank for collecting the proceeds?,4.1 Definition,托收定义,II.URC522 Art.2,collections means the handling by banks,on instructions received,of documents,in order to:,1)obtain acceptance and/or payment;,2)deliver commercial documents against,acceptance or payment;,3)deliver documents on other terms and,conditions.,“,托收,”,指银行依所受指示处理统一规则所称,之单据，以求：,获得承兑付款，或,凭承兑付款交付单据，或,依其它条件交付单据,4.2 Parties to Collection,托收的当事人,1.The principal(seller/exporter/drawer),委托人（卖方,/,出口商,/,出票人）,2.The remitting(principals/sellers/,exporters)bank,托收行（委托人,/,卖方,/,出口商的银行）,3.The collecting bank or presenting bank,代收行或提示行,4.The,drawee,(buyer/importer),受票人（买方,/,进口商）,5.Representative in case of need,需要时的代理人,4.2 Parties to Collection,托收的当事人,URC522 Art.3,1.The“principal”who is the party entrusting the handling of a collection to a bank;,2.The“remitting bank”which is the bank to which the principal has entrusted the handling of a collection;,3.The“collecting bank”which is any bank,other than the remitting bank,involved in processing the collection;,4.The“presenting bank”which is the collecting bank making presentation to the,drawee,.,5.The“,drawee,”is the one to whom presentation is to be made in accordance with the collection instruction.,4.3,Procedure of collection,托收流程,Colleting Bank,Remitting Bank,Principal,Drawee,1,、,Documents;,2,、,Documents;,Collection instruction,4,、,Documents,3,、,Cash payment;,Acceptance,Application for Collection,Instruction for Collection,Representative,in case of need,Non-acceptance,Non-payment,outward collection,Inward collection,托,收,行,的,处,理,委托人名称、地址、有权签字人印章,托收所附单据名称、详细分类及份数,托收交单方式（,D/P,D/A,）,收账要求,拒付时采取的措施,费用问题,其它要求,罚息和贴息的规定,需要时的代理人,D/P,下，是否允许分批付款，,分批提货,D/A,下，是否需要通知到期,日,是否由代收行保管单据,是否需作拒绝证书,是否委托代收行代为存仓或保险,1.,审核托收,委托书,2.,提交相关文件,3.,选择代收行,4.,档案管理,5.,结汇与收费,工商营业执照（副本）原件,进出口业务营业许可证,法定代表人授权书,付款人名称、地址，开户行名称、地址、账号,返回,代,收,行,的,处,理,1.,核对托收指示的真实性,2.,核对单据名称、份数是否与托收指示中注明的一致,3.,核对托收指示条款,4.,及时将拒付情况和拒付理由通知托收行,密押,印鉴,5.,按托收委托书指示的路线、,账户银行账号拨交收妥款项,进口代收来单通知书,向托收行,电讯查询相关内容,返回,4.3,Procedure of collection,托收流程,Application for Collection/Collection Order,托收委托书,Collection Instruction,托收指示书,COLLECTION ORDER,TO:,Profixed,“,X,”,DRAFT NO.AMOUNT TENOR,DRAWN ON,The following documents marks with letter,“,X,”,are attached,Deliver documents against payment Do not Protest,Deliver documents against acceptance Protest for Non-payment,All collection charge are for Non-acceptance,account of,drawee,cable advice of M0-acceptance,All collection charges are for Non-payment,account of,drawee,Have proceeds remitted by cable,Airmail expenses for forwarding Waive or do not waive charges,documents for account of,drawee,if refuse by,drawee,Allow,drawee,discount of US$,.,Interest to be collected at%p.a.from,to,In case of need refer to,Credit our account with proceeds.,Special instructions:Your faithfully,MISCELIANEOUS,MAIL,RCT,CTF OF,ORIGIN,INSCERT,INVOICES,Comm.consu,.,B/L,BANK OF CHINA,（,出口托收委托书）,When corresponding,HAIKOU,22,O3,93,Please always quote,Dear Sirs,We send herewith the under mentioned items for collection,Please follow instructions marked by,”,X,”,：,Deliver documents against payment.,All your charges to be born by DRAWEES.,In case of non-payment/non-acceptance by cable/airmail,giving reasons and hole documents for our instructions.,In case of a time bill,please advise us by CABLE the date of maturity after acceptance.,Collect interest from,drawee,at_%p.a.from the date of maturity to the date of actual,payment._,For Bank of China,ORIGIN CERT,CUSTOM INV.,1/1,1/2,1/2,2/3,3/5,3/4,B/L,INS.POL,WEIGHT CERT.,INVOICE,ACCOMPANIED BY,FOGO INC.1560 HUDSON AVE.SAN FRANCISCO,CA,94124 USA,DRAWEE,AMOUNT,TENOR,DRAWERS NO.,HAINAN INTERNATIONAL TRADING CO.HAIKOU,CHINA,DRAWER,付款人支付费用,承兑后,通知到期日,代收,行,付款交单,委托人,付款人,托收,行,Oc.977012346,To:THE FIRST INTERSTATE BANK,LTD SAN FRANCISCO,USA,4.3,Procedure of collection,托收流程,Conclusion,：,Bankers are not obligation for cargo,，,funds and documents.(,银行三不管,),Collection is still based on commercial credit instead of bank credit and the banks act only as a collector of funds under a transaction and provide a channel to transfer funds between the buyer and the seller,4.4 Types of collection,托收类型,1.In terms of documents related,*,（,1,）,Documentary