第三章_汇款方式1 / 8第三章 汇款方式第一节 国际汇兑（INTERNATIONAL EXCHANGE ，FOREIGN EXCHANGE ）1．国际汇兑的动态概念：指通过国际间银行的“汇”与“兑” 来实现国与国之间债权债务的清偿和国际资金的转移。

“汇” 是指货币资金在不同国家之间的转移，“兑” 是指不同国家货币的相互转换。

2．国际汇兑的静态概念： 指某种以外币表示的、用于国际结算的支付手段。

通常称为 “外汇”。

在国际贸易中，银行接受进出口商的委托，办理国际间的汇款、托收、信用证等业务。

其中汇款属于顺汇业务，托收和信用证属于逆汇业务。

(1) 顺汇（REMITTANCE ） 指资金流向与结算工具传递方向一致的一种结算方式，如汇款。

(2) 逆汇（REVERSE REMITTANCE ） 指资金流向和结算工具传递方向相反的一种结算方式，如托收、信用证。

第二节 汇款方式概述一、汇款的基本概念及其当事人汇款（Remittance ）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，通过其在国外联行或代理行作为付款银行（汇入行），付给收款人（债权人）的一种结算方式。

汇款的四方基本当事人：remitter （汇款人） payee or beneficiary （收款人） remitting bank （汇出行） paying bank （汇入行，解付行） 二、汇款方式的种类及其业务程序 汇款方式的种类：1．电汇（Telegraphic Transfer, T/T ） 2．信汇（Mail Transfer, M/T ）3．票汇（Remittance by Banker ’s Demand Draft, D/D ）第三节 电汇汇款电汇汇款（Telegraphic Transfer, T/T ）是汇款人委托银行（汇出行）以电报（Cable ）、电传（Telex ）或SWIFT 方式，指示汇入行解付一定金额给收款人的汇款方式。

The telegraphic transfer is a remittance, at the request of a remitter, effected by an authenticated cable or telex or SWIFT sent by a remitting bank to a paying bank instructing the latter to pay a certain sum in money to a designated payee of the remittance.资金第三章_汇款方式一、电报或电传的电文Example One:FM: BANK OF ASIA, TIANJIN （汇出行）TO: THE HONGKONG AND SHANGHAI BANKING CORP., HONGKONG（汇入行）DA TE: 1ST MARCHTEST 1235 OUR REF. 208TT0517 NO ANY CHARGES FOR US PAY USD 20，000.00 V ALUE 1ST MARCH TO YOUR HAY WAY BUILDING BRANCH 58 STANLEY STREET HONGKONG（收款人的帐户行）FOR (CREDIT OF) ACCOUNT NO. 004-110-106028-001 FA VOURING PRECISION PHOTO EQUIPMENT LTD. HONGKONG（收款人）MESSAGE CONTRACT NO. P10158 ORDER PHOTO GRAPH CO. TIANJIN（汇款人）COVER DEBIT OUR HO ACCOUNT.Exercise 1:Remitting bank: Bank of China, HangzhouPaying bank: Midland Bank Ltd., LondonDate of cable: 10 JuneTest: 1234Ref No. 208TT0992Amount: GBP62,000.00Value on: 10 JunePayee: Anglo International Co., Ltd, LondonAccount No. 36998044 with Midland Bank Ltd., LondonMessage: Contrat No. 201541Remitter: Zhejiang International Trust & Investment Corp., HangzhouCover: Debit our HO accountFM: BANK OF CHINA, HANGZHOUTO: MIDLAND BANK LTD., LONDON2 / 8第三章_汇款方式DA TE: 10 JUNETEST 1234 OUR REF 208TT0992 PAY GBP62,000.00 V ALUE 10 JUNE TO YOURSELVES FOR CREDIT OF ACCOUNT NO. 36998044 OF ANGLO INTERNA TIONAL CO. LTD., LONDON MESSAGE CONTRACT NO. 201541 B/O ZHEJIANG INTERNA TIONAL TRUST & INVESTMENT CORP., HANGZHOU COVER DEBIT OUR HO ACCOUNT YOUR CHARGES FOR BENEFICIARY如payee这一栏改成：Payee: Anglo International Co., Ltd, LondonAccount No. 36998044 with The First National Bank, London则电文如下：FM: BANK OF CHINA, HANGZHOUTO: MIDLAND BANK LTD., LONDONDA TE: 10 JUNETEST 1234 OUR REF 208TT0992 PAY GBP62,000.00 V ALUE 10 JUNE TO THE FIRST NA TIONAL BANK, LONDON FOR CREDIT OF ACCOUNT NO. 36998044 OF ANGLO INTERNATIONAL CO. LTD., LONDON MESSAGE CONTRACT NO. 201541 B/O ZHEJIANG INTERNATIONAL TRUST & INVESTMENT CORP., HANGZHOU COVER DEBIT OUR HO ACCOUNT YOUR CHARGES FOR BENEFICIARY二．SWIFT的电文MT100 CUSTOMER TRANSFERDate050315Sent toBKCHCNBJ910BANK OF CHINA, ZHEJIANGFrom04HSBCHK25264HONGKONG AND SHANGHAI BANKING CORP., HONGKONG: 20/ transaction reference numberTT31506:32A/ value date, currency code, amount05315USD50,000.00:50/ ordering customerANDERSON CO., HONGKONG:57/ account with bankBANK OF CHINA, ZHEJIANG:59/ beneficiary customerZHEJIANG INTERNATIONAL TRUST & INVESTMENT CORP., HANGZHOU:70/ details of paymentCONTRACT NO 12345: 71A/ details of chargesBENEFICIARY3 / 8第三章_汇款方式4 / 8:72/ bank to bank information COVER DEBIT US三、美元通过CHIPS 电支付方式Remitting bank: Industrial and Commercial Bank of China, Hanzhou Paying bank: Chemical Bank, New York Date of cable: 9 June Ref No.: TT 03 -1548 Amount: USD420,500.00 Value on: 9 JunePayee: Fuji Bank Ltd., Tokyo a/c UID 012547 with their New York Branchby Chips ABA 809Message: Our LC 14261 their BP 60014189 Remitter: Guangda Industrial Corp., Hangzhou Cover: Debit our US dollars accountFM: ICBC, HANGZHOUTO: CHEMICAL BANK. NEW YORK DA TE: 10 JUNETEST 1234 OUR REF TT03-1548 PAY 420,500.00 V ALUE 10 JUNE TO FUJI BANK LTD., NEW YORK BY CHIPS ABA 809 FOR CREDIT OF THEIR TOKYO OFFICE A/C UID 012547 MESSAGE OUR LC 14261 THEIR BP 60014189 ORDER GUANGDA INDUSTRIAL CORP., HANGZHOU COVER DEBIT OUR US DOLLARS ACCOUNT第四节 信汇汇款信汇汇款是汇出行应汇款人申请，将信汇委托书（M/T Advice ）或支付委托书（Payment Order ）邮寄给汇入行，授权其解付一定金额给收款人的一种汇款方式。

The mail transfer is a remittance, at the request of a remitter, effected by a mail advice or payment order sent by a remitting bank to a paying bank authorizing the latter to pay a certain sum in money to a designated payee of the remittance.资金第三章_汇款方式第五节票汇汇款一、票汇格式及其业务基本程序票汇汇款是汇出行应汇款人申请，开立以其分行或代理行为解付行的银行即期汇票（Banker’s Demand Draft），支付一定金额给收款人的汇款方式。