轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)

1、附件2：中國(guó)農(nóng)業(yè)銀行江蘇省分行轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)操作規(guī)程（試行）第一章 總則 第一條 為進(jìn)一步完善業(yè)務(wù)功能，提高我行國(guó)際化經(jīng)營(yíng)水平，根據(jù)市場(chǎng)發(fā)展需要以及總行貿(mào)易融資業(yè)務(wù)有關(guān)規(guī)定和福費(fèi)廷業(yè)務(wù)的有關(guān)國(guó)際慣例，特制定本操作規(guī)程。 第二條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)，是指我行根據(jù)其它金融機(jī)構(gòu)的要求，在開(kāi)證行或保兌行或其它指定銀行對(duì)跟單信用證項(xiàng)下的遠(yuǎn)期匯票承兌或承諾付款后，對(duì)該匯票或承諾付款進(jìn)行無(wú)追索權(quán)的買(mǎi)斷，融資到期日匯票承兌行或承諾付款行或指定議付行向我行付款的融資行為。第三條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的期限為自買(mǎi)斷日至付款到期日不超過(guò)一年，且進(jìn)出口貿(mào)易背景真實(shí)、合法。第四條 轉(zhuǎn)賣(mài)銀行不需在我行有授信額度，不需辦理?yè)?dān)保手續(xù)，

2、辦理轉(zhuǎn)買(mǎi)福費(fèi)廷后不占用轉(zhuǎn)賣(mài)銀行已有的授信額度。第五條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)僅對(duì)開(kāi)證行或保兌行或其它指定銀行的加押有效承兌或承諾付款電文辦理，且信用證承兌行或承諾付款行必須在農(nóng)業(yè)銀行有代理行單證額度，按照總分行下發(fā)的金融機(jī)構(gòu)授信額度管理相關(guān)制度執(zhí)行。第六條 根據(jù)轄內(nèi)機(jī)構(gòu)的信貸業(yè)務(wù)管理和國(guó)際結(jié)算業(yè)務(wù)操作水平，二級(jí)分行可對(duì)轄內(nèi)機(jī)構(gòu)辦理轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)進(jìn)行轉(zhuǎn)授權(quán)。 第七條 本操作規(guī)程所指轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的幣種主要包括美元、歐元、英鎊、瑞士法郎、日元、澳元、加元、港幣等可自由兌換貨幣。第二章 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)術(shù)語(yǔ)和交易單據(jù) 第八條 本操作規(guī)程中涉及的轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)術(shù)語(yǔ)及釋義如下（一） 轉(zhuǎn)買(mǎi)銀行：無(wú)追索權(quán)地買(mǎi)斷出口商

3、未來(lái)應(yīng)收遠(yuǎn)期票據(jù)或債務(wù)的銀行稱(chēng)為轉(zhuǎn)買(mǎi)銀行。本操作規(guī)程中是我行作為轉(zhuǎn)買(mǎi)銀行買(mǎi)斷跟單信用證項(xiàng)下經(jīng)銀行承兌的遠(yuǎn)期匯票或應(yīng)收賬款。（二） 轉(zhuǎn)賣(mài)銀行：將經(jīng)有效承兌或承諾付款的應(yīng)收賬款權(quán)益轉(zhuǎn)賣(mài)我行的銀行。（三） 承兌行：承兌遠(yuǎn)期票據(jù)或承諾到期付款的銀行。本操作規(guī)程中指經(jīng)我行認(rèn)可的，遠(yuǎn)期信用證項(xiàng)下的承兌行或遲期付款信用證項(xiàng)下的承諾付款行。（四） 寬限期：從票據(jù)到期日至實(shí)際收款日的估計(jì)延期天數(shù)，在計(jì)算貼現(xiàn)時(shí)將寬限期計(jì)入實(shí)際融資期。第九條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)所需提供的單據(jù)主要包括：信用證、開(kāi)證行或保兌行的承兌或承諾付款電文，如需要，可要求賣(mài)方銀行提供信用證項(xiàng)下單據(jù)，包括已經(jīng)承兌的匯票、商業(yè)發(fā)票、運(yùn)輸單據(jù)以及交單面函

4、等。第三章 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的職責(zé)分工第十條 省分行的職責(zé)（一） 負(fù)責(zé)向總行申請(qǐng)代理行額度，了解相關(guān)國(guó)家風(fēng)險(xiǎn)和代理行風(fēng)險(xiǎn)。（二） 負(fù)責(zé)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)外資同業(yè)的詢(xún)價(jià)、報(bào)價(jià)工作。（三） 轉(zhuǎn)買(mǎi)后，一旦買(mǎi)斷款項(xiàng)不能按期收回，與經(jīng)辦行一起采取有效法律手段進(jìn)行追索。（四） 負(fù)責(zé)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)營(yíng)銷(xiāo)管理工作。第十一條 各二級(jí)分行的職責(zé)（一）負(fù)責(zé)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)境內(nèi)同業(yè)的詢(xún)價(jià)、報(bào)價(jià)工作（蘇州分行可負(fù)責(zé)外資同業(yè)和境內(nèi)同業(yè)的詢(xún)價(jià)、報(bào)價(jià)工作）。（二）負(fù)責(zé)轄屬支行轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的審批工作。（三）協(xié)助經(jīng)辦行受理賣(mài)方銀行該業(yè)務(wù)項(xiàng)下所需提供的單據(jù)，審核信用證和承兌電文的真實(shí)有效性及相關(guān)條款的合規(guī)性。（四）轉(zhuǎn)買(mǎi)后，負(fù)責(zé)業(yè)務(wù)的跟蹤了

5、解和監(jiān)測(cè)。（五）負(fù)責(zé)向當(dāng)?shù)亟鹑跈C(jī)構(gòu)營(yíng)銷(xiāo)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)。（六）負(fù)責(zé)將相關(guān)市場(chǎng)信息和業(yè)務(wù)信息反饋省分行（國(guó)際業(yè)務(wù)部）。第十二條 各支行的職責(zé)（一）受理轉(zhuǎn)賣(mài)銀行該業(yè)務(wù)項(xiàng)下所需提供的單據(jù)，審核信用證和承兌電文相關(guān)條款的合規(guī)性，審核信用證和承兌電文的真實(shí)有效性。若本行無(wú)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的審批權(quán)限，需將相關(guān)資料報(bào)送有權(quán)審批行進(jìn)行審批。（二）負(fù)責(zé)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的內(nèi)部審批手續(xù)和業(yè)務(wù)處理。（三）轉(zhuǎn)買(mǎi)后，負(fù)責(zé)業(yè)務(wù)的跟蹤了解和監(jiān)測(cè)。（四）負(fù)責(zé)向當(dāng)?shù)亟鹑跈C(jī)構(gòu)營(yíng)銷(xiāo)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)。（五）負(fù)責(zé)將相關(guān)市場(chǎng)信息和業(yè)務(wù)信息反饋市分行（國(guó)際業(yè)務(wù)部）。第四章 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的辦理流程第十三條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的辦理流程（一）轉(zhuǎn)賣(mài)銀行向我

6、行詢(xún)價(jià)，提供包括開(kāi)證行、開(kāi)證行所在地、單據(jù)幣種和金額、匯票到期日、交易貨物品名等信息，詢(xún)價(jià)可通過(guò)傳真、電郵、電話(huà)等。（二）各二級(jí)分行可接受經(jīng)辦行和轉(zhuǎn)賣(mài)銀行詢(xún)價(jià)，經(jīng)辦行須以書(shū)面形式向市分行國(guó)際業(yè)務(wù)部詢(xún)價(jià)（詢(xún)價(jià)單詳見(jiàn)附件1），市分行國(guó)際業(yè)務(wù)部根據(jù)開(kāi)證行所在國(guó)家風(fēng)險(xiǎn)、開(kāi)證行資信狀況和裝運(yùn)日期、融資金額、期限等確定是否辦理轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)。如確認(rèn)可以辦理，市分行國(guó)際業(yè)務(wù)部對(duì)下批復(fù)價(jià)格，經(jīng)辦行當(dāng)天及時(shí)通過(guò)傳真、電話(huà)或電郵方式提供報(bào)價(jià)。首次與我行辦理轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的金融機(jī)構(gòu)必須與我行簽訂福費(fèi)廷協(xié)議(Forfaiting Agreement)（附件2）。協(xié)議簽署后每筆福費(fèi)廷業(yè)務(wù)可以O(shè)ffer Letter（附

7、件3）方式確認(rèn)即可辦理。（三）如轉(zhuǎn)賣(mài)銀行同意我行報(bào)價(jià)以及Offer Letter內(nèi)容，則須將有關(guān)信用證和承兌電文副本（需簽字或蓋章作實(shí)）傳真至我行經(jīng)辦行，經(jīng)辦行客戶(hù)部門(mén)在轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)呈批表（附件4）上填寫(xiě)調(diào)查意見(jiàn)，連同客戶(hù)提交的相關(guān)資料交國(guó)際業(yè)務(wù)部門(mén)審核。（四）國(guó)際業(yè)務(wù)部門(mén)審核無(wú)誤后，在轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)呈批表上填寫(xiě)審核意見(jiàn)，連同客戶(hù)提交的相關(guān)資料交信貸部門(mén)審查，審查同意后，報(bào)有權(quán)審批人審批。（五）有權(quán)審批人審批同意后，經(jīng)辦行簽署Offer Letter并傳真至轉(zhuǎn)賣(mài)銀行。（六）轉(zhuǎn)賣(mài)銀行簽署Offer Letter傳真件，然后傳真至我行經(jīng)辦行，并發(fā)MT799福費(fèi)廷電文（附件5）至我行經(jīng)辦行，同時(shí)，

8、轉(zhuǎn)賣(mài)銀行需向開(kāi)證行發(fā)送MT799電文（附件6），告知相關(guān)款項(xiàng)讓渡事項(xiàng)，并將款項(xiàng)讓渡報(bào)文簽字或蓋章作實(shí)后傳真至我行。（七）在收到轉(zhuǎn)賣(mài)銀行MT799電文后，經(jīng)辦行進(jìn)行CMS系統(tǒng)處理以及相應(yīng)賬務(wù)處理（CMS處理流程見(jiàn)第十五條），根據(jù)電文要求以雙方約定時(shí)間扣收有關(guān)利息后付款給轉(zhuǎn)賣(mài)銀行。同時(shí)向轉(zhuǎn)賣(mài)銀行發(fā)送MT799電文（附件7）確認(rèn)付款金額、付款日、到期日以及我行收匯路線(xiàn)等信息，并說(shuō)明如開(kāi)證行到期日直接向轉(zhuǎn)賣(mài)銀行付款，要求轉(zhuǎn)賣(mài)銀行及時(shí)歸還我行轉(zhuǎn)買(mǎi)款項(xiàng)。（八）在到期日1、如信用證中有索償條款，在到期日前三個(gè)銀行工作日，經(jīng)辦行應(yīng)通知轉(zhuǎn)賣(mài)銀行及時(shí)向相關(guān)償付行索償。2、如信用證中無(wú)索償條款，我行在業(yè)務(wù)到期日沒(méi)有

9、收到轉(zhuǎn)買(mǎi)款項(xiàng)，應(yīng)及時(shí)提請(qǐng)轉(zhuǎn)賣(mài)銀行協(xié)助我行向開(kāi)證行催收。（九）如我行在業(yè)務(wù)到期日直接收到開(kāi)證行的付款，我行應(yīng)于收到開(kāi)證行款項(xiàng)當(dāng)日書(shū)面通知轉(zhuǎn)賣(mài)銀行，以便轉(zhuǎn)賣(mài)銀行辦理國(guó)際收支申報(bào)手續(xù)（書(shū)面通知見(jiàn)附件8）。第十四條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的CMS錄入流程（一）錄入客戶(hù)信息。在CMS客戶(hù)管理法人客戶(hù)概況登記法人基本信息中錄入轉(zhuǎn)賣(mài)銀行信息。要求真實(shí)錄入轉(zhuǎn)賣(mài)銀行的組織機(jī)構(gòu)代碼（無(wú)組織機(jī)構(gòu)代碼的銀行可按規(guī)定審批流程由市分行統(tǒng)一虛擬代碼）、全稱(chēng)及相關(guān)信息。（二）在未實(shí)施信貸業(yè)務(wù)網(wǎng)上作業(yè)前，直接在CMS臺(tái)賬管理登記審批記錄貸款登記中錄入審批信息，其中“貸款類(lèi)別”選擇“貿(mào)易融資貸款”中的“買(mǎi)入外匯票據(jù)”，“貸款期限分類(lèi)”選

10、擇“銀行承兌匯票貼現(xiàn)”，“貸款方式”選擇“票據(jù)貼現(xiàn)”。實(shí)施信貸業(yè)務(wù)網(wǎng)上作業(yè)后，轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)納入網(wǎng)上作業(yè)范圍。（三）在CMS臺(tái)賬管理貸款臺(tái)賬管理中依次錄入借款合同、借款憑證信息，向ABIS發(fā)送賬務(wù)處理電子信息，并打印“貼現(xiàn)/轉(zhuǎn)貼現(xiàn)”憑證和“票據(jù)貼現(xiàn)通知單”，經(jīng)有關(guān)部門(mén)負(fù)責(zé)人和人員簽字后送會(huì)計(jì)部門(mén)進(jìn)行賬務(wù)處理。會(huì)計(jì)人員必須在轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)電子流信息與“貼現(xiàn)/轉(zhuǎn)貼現(xiàn)”憑證和“票據(jù)貼現(xiàn)通知單”信息一致的情況下才能進(jìn)行賬務(wù)處理。（四）收回票據(jù)買(mǎi)入融資款。CMS通過(guò)DIS系統(tǒng)自動(dòng)從ABIS接入票據(jù)買(mǎi)入融資收回信息。第五章 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的融資利率、期限、計(jì)費(fèi)和計(jì)息 第十五條 轉(zhuǎn)買(mǎi)福費(fèi)廷的融資利率由市分行

11、（國(guó)際業(yè)務(wù)部）根據(jù)國(guó)家風(fēng)險(xiǎn)情況、代理行風(fēng)險(xiǎn)情況以及同業(yè)競(jìng)爭(zhēng)情況向經(jīng)辦行提出報(bào)價(jià)。轉(zhuǎn)買(mǎi)福費(fèi)廷的融資利率確定標(biāo)準(zhǔn)為：根據(jù)開(kāi)證行所在國(guó)家風(fēng)險(xiǎn)、開(kāi)證行資信狀況和裝運(yùn)日期、融資金額、期限等在LIBOR或COST OF FUND基礎(chǔ)上加一定幅度的利差點(diǎn)數(shù)。 第十六條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的期限為經(jīng)辦行實(shí)際融資日至代理行承兌或承諾付款日的期限，再根據(jù)相關(guān)代理行的收匯考核記錄，增加35個(gè)工作日的寬限期。 第十七條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)對(duì)相關(guān)的代理行費(fèi)用不予買(mǎi)斷，經(jīng)辦行應(yīng)根據(jù)代理行扣費(fèi)情況，在計(jì)算貼現(xiàn)時(shí)預(yù)扣一定金額的費(fèi)用，以免我行到期收匯時(shí)遭受損失。 第十八條 轉(zhuǎn)買(mǎi)福費(fèi)廷融資金額的計(jì)算公式 經(jīng)辦行可選擇適用直接貼現(xiàn)法和復(fù)利

12、貼現(xiàn)法來(lái)計(jì)算福費(fèi)廷融資金額。（一）直接貼現(xiàn)法公式：福費(fèi)廷融資凈額承兌（承諾付款）金額福費(fèi)廷貼現(xiàn)利息手續(xù)費(fèi)及郵電費(fèi)及其它相關(guān)費(fèi)用；福費(fèi)廷貼現(xiàn)利息承兌（承諾付款）金額貼現(xiàn)期限（天數(shù)）貼現(xiàn)利率360（365）；（二）復(fù)利貼現(xiàn)法公式：福費(fèi)廷融資凈額承兌（承諾付款）金額除數(shù)手續(xù)費(fèi)及郵電費(fèi)及其它相關(guān)費(fèi)用；除數(shù)貼現(xiàn)利率天數(shù)360（365）1；第六章 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)管理 第十九條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的內(nèi)部審批流程和審批權(quán)限比照各行的貿(mào)易融資審批執(zhí)行。 第二十條 省分行（國(guó)際業(yè)務(wù)部）負(fù)責(zé)對(duì)全省轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)進(jìn)行統(tǒng)一監(jiān)控和管理。市分行承擔(dān)轄內(nèi)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的管理和營(yíng)銷(xiāo)職能，并按月向省分行（國(guó)際業(yè)務(wù)部）報(bào)送中國(guó)農(nóng)業(yè)銀行

13、江蘇省分行轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)情況統(tǒng)計(jì)表（附件9）。第二十一條 代理行額度管理。省、市分行（國(guó)際業(yè)務(wù)部）共同負(fù)責(zé)代理行額度管理。各市分行按月匯總各支行代理行單證額度使用情況，向省分行報(bào)送代理行單證額度使用情況表。第二十二條 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的編號(hào)為：100PFXXYYYZZZZ（XX代表年份后兩位數(shù)字，YYY代表BIBS系統(tǒng)中各行代碼，ZZZZ代表序列號(hào)）。 第二十三條 經(jīng)辦行應(yīng)加強(qiáng)對(duì)所辦轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的跟蹤，如果出現(xiàn)開(kāi)證行遲付，經(jīng)辦行應(yīng)按實(shí)際遲付天數(shù)及時(shí)向開(kāi)證行索要遲付利息；如果開(kāi)證行出現(xiàn)其他的風(fēng)險(xiǎn)，應(yīng)及時(shí)采取補(bǔ)救措施并向上級(jí)行國(guó)際業(yè)務(wù)部門(mén)報(bào)告，上級(jí)行要協(xié)助向有關(guān)銀行進(jìn)行交涉；如果發(fā)生貿(mào)易欺詐風(fēng)險(xiǎn)，

14、經(jīng)辦行應(yīng)采取有效的追索措施并及時(shí)向上級(jí)行信貸管理部門(mén)和國(guó)際業(yè)務(wù)部門(mén)報(bào)告。 第二十四條 在辦理轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)時(shí)，各經(jīng)辦行應(yīng)當(dāng)使用自有外匯資金，不得購(gòu)匯，亦不得占用結(jié)售匯周轉(zhuǎn)頭寸。在出現(xiàn)業(yè)務(wù)風(fēng)險(xiǎn)時(shí)，各經(jīng)辦行亦不得購(gòu)匯，不得占用結(jié)售匯周轉(zhuǎn)頭寸，亦不得與代客業(yè)務(wù)混淆而通過(guò)銀行間外匯市場(chǎng)進(jìn)行平補(bǔ)。 第二十五條 檔案管理。對(duì)轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)項(xiàng)下的交易單據(jù)，各經(jīng)辦行應(yīng)及時(shí)歸檔，專(zhuān)卷保管，妥善保存，保存期限為5年。第七章 轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)的會(huì)計(jì)核算第二十六條 轉(zhuǎn)買(mǎi)福費(fèi)廷會(huì)計(jì)核算（一）經(jīng)辦行在福費(fèi)廷融資交割日，將扣除了貼現(xiàn)利息和相關(guān)手續(xù)費(fèi)及其他費(fèi)用后的款項(xiàng)支付給出口商，會(huì)計(jì)分錄如下：借：31207福費(fèi)廷融資 外幣

15、貸：31904福費(fèi)廷融資利息調(diào)整 外幣 79105結(jié)算業(yè)務(wù)收入 外幣 79108融資手續(xù)費(fèi)收入 外幣 66699福費(fèi)廷預(yù)扣國(guó)外款項(xiàng) 外幣 12104存放系統(tǒng)內(nèi)清算款項(xiàng)等 外幣（二）以權(quán)責(zé)發(fā)生制為基礎(chǔ)，于每月末日、融資到期日確認(rèn)該期利息收入。借：31904福費(fèi)廷融資利息調(diào)整 外幣 貸：77112貿(mào)易融資貸款利息收入 外幣（三）票據(jù)到期日收到開(kāi)證行付款，會(huì)計(jì)分錄如下：借：12104存放系統(tǒng)內(nèi)清算款項(xiàng) 外幣 66699福費(fèi)廷預(yù)扣國(guó)外款項(xiàng) 外幣 貸：31207福費(fèi)廷融資 外幣 貸：12104存放系統(tǒng)內(nèi)清算款項(xiàng)（余款） 外幣第二十七條 逾期福費(fèi)廷融資的會(huì)計(jì)核算福費(fèi)廷融資款項(xiàng)在延期到期日營(yíng)業(yè)終了前，如仍未

16、能收回，則將其轉(zhuǎn)入逾期戶(hù)，會(huì)計(jì)分錄如下：借：27144其他貿(mào)易項(xiàng)下融資墊款逾期福費(fèi)廷融資 外幣 貸：31207 福費(fèi)廷融資 外幣 第二十八條 非應(yīng)計(jì)福費(fèi)廷融資的會(huì)計(jì)核算 逾期（含展期后到期）超過(guò)90天仍未歸還或雖未逾期或逾期不滿(mǎn)90天而承兌行倒閉或其他原因致使融資款項(xiàng)無(wú)法收回，將款項(xiàng)轉(zhuǎn)入非應(yīng)計(jì)貸款戶(hù)，會(huì)計(jì)分錄如下：借：29144非應(yīng)計(jì)其他貿(mào)易項(xiàng)下融資墊款 外幣 貸：27144其他貿(mào)易項(xiàng)下融資墊款逾期福費(fèi)廷融資 外幣第八章 附則第二十九條 本操作規(guī)程由中國(guó)農(nóng)業(yè)銀行江蘇省分行（國(guó)際業(yè)務(wù)部）負(fù)責(zé)解釋和修改。第三十條 本操作規(guī)程自文到之日起執(zhí)行。附件1：轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)詢(xún)價(jià)單附件2：福費(fèi)廷協(xié)議(Forf

17、aiting Agreement)附件3：OFFER LETTER附件4：轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)呈批表附件5：轉(zhuǎn)賣(mài)銀行MT799福費(fèi)廷電文附件6：轉(zhuǎn)賣(mài)銀行MT799款項(xiàng)讓渡電文附件7：轉(zhuǎn)買(mǎi)銀行MT799確認(rèn)電文附件8：收款書(shū)面通知附件9：中國(guó)農(nóng)業(yè)銀行江蘇省分行轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)情況統(tǒng)計(jì)表附件1：轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)詢(xún)價(jià)單市分行國(guó)際業(yè)務(wù)部：我行擬申請(qǐng)辦理轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)，具體業(yè)務(wù)細(xì)節(jié)如下：開(kāi)證行信用證號(hào)碼承兌行或承諾付款行信用證類(lèi)型轉(zhuǎn)賣(mài)銀行轉(zhuǎn)賣(mài)行業(yè)務(wù)編號(hào)單據(jù)幣種單據(jù)金額融資幣種融資金額融資起息日融資期限我行業(yè)務(wù)編號(hào)請(qǐng)市分行報(bào)價(jià)。經(jīng)辦人： 復(fù)核人： 支行 部年 月 日轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)詢(xún)價(jià)確認(rèn)函 支行 部：你行業(yè)務(wù)編號(hào)為

18、 的轉(zhuǎn)買(mǎi)福費(fèi)廷業(yè)務(wù)，經(jīng)市分行國(guó)際業(yè)務(wù)部研究決定，市分行報(bào)價(jià)為： 。市分行國(guó)際業(yè)務(wù)部年 月 日附件2：福費(fèi)廷協(xié)議(Forfaiting Agreement)Agreement on Without Recourse Discounting under L/C between Agricultural Bank of China and Named Financial InstitutionThis agreement on without recourse discounting under L/C (“Forfaiting Purchase”) is made between Agricult

19、ural Bank of China and Named Financial Institution for entering into and promoting the business of without recourse discounting under L/C. Either party of the agreement may offer to sell from time to time, and the other party may from time to time purchase without recourse the proceeds of letters of

20、 credit (and drafts drawn under them) to be issued by other banks (each an “Issuing Bank”). The party offering the sale shall be known as the “Seller”, while the party accepting the purchase shall be known as the “Purchaser”. There shall be no obligation on each party to make or accept an offer. An

21、offer accepted shall be documented in an offer letter.1. Definitions and InterpretationPS: The terms should be reorganized as per alphabetical order"Banking Day" means a day (other than a Saturday or Sunday) on which banks are open for business in the location of each party, and if any pay

22、ment is to be made on that day, in the principal financial centre of the currency of that payment;“Without Recourse” unless otherwise expressly agreed in writing by both parties, “without recourse” means (i) the Seller shall have no obligation to repay any amount paid by the Purchaser to the Seller

23、relating to a Forfaiting Purchase under this agreement, or to support or share any losses suffered by the Purchaser because of any kind of delay or unpayment from the issuing bank or acceptor in respect of the Forfaiting Purchase, and also, the Seller shall have no obligation to repurchase or reacqu

24、ire or reassign the above-said instruments/receivables and documents; (ii) the Seller assumes no responsibility for the performance of the obligor concerning its obligations in respect of the instruments/receivables or any failure by the issuing bank or acceptor to effect any payment upon the receiv

25、ables on its due date; (iii) the Purchaser will make its own independent investigation and appraisal of the financial condition, creditworthiness, business status of the issuing bank or acceptor instead of relying on the Seller to appraise or/and keep under review on issuing bank or acceptors credit

26、 situation and financial conditions.“Credit” or “L/C” means any irrevocable letter of credit issued by a bank which is subject to UCP600 or such later revision as may be adopted by the ICC (“UCP”), under which the Seller is entitled to receive the proceeds, whether as negotiating bank or assignee.“B

27、eneficiary” means the beneficiary of the letter of credit.“LIBOR” means the arithmetic meaning of the offered rates appearing on the Reuters Screen-LIBOR page for deposits in the relevant currency at 11:00 a.m. (London) time on the date of determination, as conclusively determined by the Purchaser.2

28、. Pre-Conditions The following conditions must be met prior to each payment: to each payment2.1 The following documents to be received by the Purchaser:a. Conformed copy of Letter of Credit plus all amendments thereto;b. Conformed copy of the Bill(s) of Exchange (or) commercial Invoice;c. Conformed

29、copy of the Bill of Lading evidencing the shipment;d. Letter of Assignment and Notification of Assignment (see attachment formats) issued by the Seller in favor of the Purchaser;e. Tested telex/SWIFT messages from the L/C Issuing bank to the L/C Negotiating Bank (Sellers) confirming its acceptance o

30、f the L/C documents and that at maturity funds will be remitted according to the instructions of the L/C Negotiating Bank without any set off, deduction or withholding whatsoever.2.2 Each Credit is trade-related and shall be governed by International Chamber of Commerce UCP600 or such later revision

31、 as may be adopted by the ICC , and shall have been opened by the Issuing bank for the account of the Seller (or the Sellers customer), or shall be an irrevocable negotiation credit nominating the Seller as the negotiating bank (or available by negotiation at any bank).3. Pricing a. The Seller shall

32、 pay the fees, commissions or discount amounts calculated according to the Discount Rate together to be known as the due cost. The due cost may be deducted at the actual funding day from the gross amounts of the documents or/and face value of the receivables under a Credit while the Purchaser effect

33、s the payments to the Seller.b. Discount Rate Discount Rate = ( )% p.a.+LIBOR × actual days 360/365 Note: The margin should be specified on a case by case basis upon both parties approval. For UK Pounds or HK Dollars, the calculation shall base on a 365 days year.All commissions, commitment fee

34、s, flat fees or/and management fees or other charges payable under each Forfaiting Purchase shall be calculated on the basis of 360 days year.4. Payment a. All payments under the Forfaiting Purchase shall be made within two Banking Days in immediately available, freely transferable funds without set

35、 off or counter-claim and free of any deduction or withholding for or on account of any tax, levy and charges whatsoever. In the event that any deduction or withholding for or on account of tax, levy and charge is required to be made, the Purchaser or the Seller shall pay such additional amounts as

36、to ensure that the other party receives and retains the amount it would have received.b. The payment of funds from the Purchaser is subject to the Sellers notice to the Issuing Bank or acceptor concerning the sale and assignment of the Agreement and notifying the issuing bank or acceptor to pay the

37、Purchaser directly at the maturity day according to the Purchasers payment institution.c. In the event that the Issuing Bank or acceptor refuses to acknowledge the Purchaser and insists on paying the Seller at maturity, the Purchaser nevertheless may agree (at its discretion) to purchase the receiva

38、bles and effect the payment in time. If the purchaser has effected the payment, the Seller shall, whenever it receives or recovers any payments or amounts from the Issuing Bank or acceptor or any other person, hold the same on trust for the Purchaser and immediately T/T transfer such fund to the Pur

39、chaser, under immediate advice to the Purchaser, without deduction except for any costs and expenses (including legal fees) reasonably incurred.5. Representations, Each party represents and warrants to the other that: Warranties, And Covenants it has full power and authority to enter into this Agree

40、ment and it has duly authorized and obtained consents to exercise its rights and perform its obligations under this Agreement. The Seller further represents, warrants and covenants the following as of the date of this Agreement, each payment is made and/or a Forfaiting Purchase is outstanding: a. Th

41、e L/C presented by the Seller is valid, legal and enforceable, and includes all amendments thereof (duly certified by authorized signatories of the Seller with evidence that the test or authentication thereto is correct), and theSeller has a valid and legal claim against the issuing bank thereunder.

42、b. The bills and any all ancillary documents provided by the Seller are genuine, complete and in strict compliance with the terms and conditions of the L/C and related to the underlying shipment of goods mentioned in the L/C.c. The seller has lawful power and authority to transfer any and all of its

43、 right, title and interest to the bills/drafts and the L/C. The seller shall complete any and all requirements (including without limitation endorsement) and procedures necessary for transfer of such right, title and interest.d. The face value of each draft represents payment unconditionally due and

44、 owing to the Seller without defense, offset or counterclaim, for goods delivered or work performed by the Seller on behalf of the account party named in the Credit.e. The Seller has not (i) sold, transferred, assigned or otherwise participated an or any of its interest in any draft to any other par

45、ty; (ii) not created or permitted to remain any lien, assignment of proceeds or other encumbrance against the draft, or (iii) otherwise taken any action which might in any prejudice or limit the Purchasers rights in respect to any draft, and now covenant to refrain from taking any such action listed

46、 in this sub-clause.f.It will handle and process the Credit and documents thereunder (including presentation of the documents) strictly in accordance with the UCP and the terms of the Credit.g To the best of its knowledge, it has no notice that the underlying transaction of the Credit or the documen

47、ts might be or are suspected to be forged, fraudulent or contain any misrepresentations, that the underlying transaction is a genuine commercial deal and that all relevant import/export regulations and rules relating to the underlying trade have been complied with.h It will co-operate with the Purch

48、aser fully at the Purchasers expense in anything that the Purchaser may lawfully do in order to obtain payments under the Credit that the Purchaser has acquired the rights, including (without limitation) to file any claims or take any legal actions or proceedings (either singly or jointly with the P

49、urchaser) against the Issuing Bank or any other relevant parties. Provided that this clause is applicable only if the Purchaser is unable to take action against the Issuing Bank because the assignment to the Purchaser was not possible or because of other valid legal restrainti.It will not take any a

50、ction that might affect the validity of the Credit, or the interest of the Purchaser thereunder pursuant to the Forfaiting Purchase, or the validity of the acceptance and/or payment undertaking issued by the Issuing Bank; j.It will not agree to nor allow any amendment to the Credit without the Purch

51、asers consent; andk.It will remain responsible to observe and perform all obligations and services required of it under the Credit.6. Termination Each party can terminate this agreement at any time upon 30 days prior written notice. Termination shall not affect the parties respective rights and obli

52、gations under any draft remaining outstanding at the termination of this Agreement. Representations, Warranties, covenants, indemnification and payment obligations contained in this Agreement shall survive termination of this Agreement and payment of the obligations under any draft. 7. Notices; Noti

53、ces shall be delivered to each party at the respective addresses shown Interpretation or such other address as either may notify the other in writing in English. Headings are included only for convenience and are not interpretative. If any provision of this Agreement is held illegal or unenforceable

54、, the validity of the remaining provisions shall not be affected. All notices and other communications under this Agreement shall be in writing in English .8. Expiry Date Offer under this Agreement will automatically expire on the maturity date of each transaction, unless otherwise accepted by the s

55、eller.9. Assignment Neither the Seller nor the Purchaser may assign its rights and obligations hereunder, all or partial, to any other person without the prior written consent by each other.10. Modification; None of the terms of this Agreement may be waived or amended No Waiver except in writing and signed by the party against whose interest the term is waived or amended.11. Others a. The Purchaser shall waive any claim, legal action, right of remedy which the Purchaser may have under the applicable law against th