國際結(jié)算實(shí)驗(yàn)三答案

實(shí)驗(yàn)素材一、匯款申請書2003年3月8日，CHINANAT.METALS&MINERALSI/ECORP.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)

APPLICATIONFOROUTWARDREMITTANCE

致：中國農(nóng)業(yè)銀行廣州分行

TO:THEAGRICULTURALBANKOFCHINA日期DATE:2003年3月8日茲委托貴行辦理下列匯款。I/Weherebyrequestyoutoeffectthefollowingremittance電匯信匯票匯付款地點(diǎn)

T/TM/TD/DDrawnon銀行編號（查詢時請引述）

RefNo.TT96785收款人

Beneficiary'snameUnitedTradingCompany

HongKong幣別及金額

Curr.&Amt.及地址

&address70WingTaiRoad,ChaiWanHongKongHKDollars20,000.00賬號A/CNo.0709166060322-8銀行填寫欄BANKUSEONLY收款銀行

Beneficiary'sBankPOSANGBANKLTD匯率(Rate)及地址

&addressHONGKONG等值人民幣

Equivalentin￥匯款人

ByorderofCHINANAT.METALS&MINERALSI/ECORP.手續(xù)費(fèi)(Commission)附言

DetailsofPaymentCOMM.UNDERS/CNO.CT0011-01郵電費(fèi)(Postage&Cable)其他費(fèi)用(OtherCharges)合計國外銀行的一切費(fèi)用由我方/收款人負(fù)擔(dān)（如無說明由收款人負(fù)擔(dān)）。匯款全過程均以電傳形式通知。

Allforeignbankschargesaretobebornebyus/payee(ifnotspecified,allchargesaretobebornebypayee).Allpartiesinthechannelareadvisedbytelex.請付敝賬(Debitmy/ouraccount)，賬號(a/cNo.)茲附支票(Enclosemy/ourcheque)，號碼為(No.)付款行(Drawnon)現(xiàn)金支付(I/Wepaycashherewith)，聯(lián)系電話(TEL)83738789申請人簽章張青Applicant's

Stamp&Signature

經(jīng)辦：會計：復(fù)核：記賬：(1)匯款方式電匯(T/T)(2)匯款人公司名稱CHINANAT.METALS&MINERALSI/ECORP.(3)收款人公司名稱、地址UnitedTradingCompany

HongKong\70WingTaiRoad,ChaiWanHongKong(4)匯款金額HKDollars20,000.00(5)款項(xiàng)用途COMM.UNDERS/CNO.CT0011-01(6)銀行費(fèi)用由哪方支付收款人(7)匯款當(dāng)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(yīng)提交多少港幣現(xiàn)鈔給銀行HKDollars20,822.51(8)銀行在哪些情況下可免責(zé)1、有關(guān)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(fù)責(zé)。2、.倘因下列情況而引致之任何損失，包括：款項(xiàng)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(jī)構(gòu)所實(shí)施之一切法律、規(guī)令、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(fù)責(zé)。3、如匯款系代匯款人寄出，本行不負(fù)郵誤之責(zé)。(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(wù)時應(yīng)注意哪些事項(xiàng)1、國際收支申報表2、貿(mào)易進(jìn)口付匯核銷單3、進(jìn)口付匯備案表4、匯款有效憑證（正本合同、發(fā)票、進(jìn)出口貨物報關(guān)單、運(yùn)輸保險單據(jù)）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(wù)指示內(nèi)容填列出來。1.電文一：匯出匯款FM:HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONG

TO:THEAGRICULTURALBANKOFCHINAGUANGZHOU

DATE:8THJUNE

TEST2876AOURREFTT200498

PLSPAYHKD34000.VALUE8JUNETOACCOUNTNO.764583934-128FAVOURPRECISIONPHOTOEQUIPMENTLTD.JINXINGBUILDING22GUANGZHOUMESSAGECOMM.UNDERS/CNO.87364ORDERCOVERWEHAVECREDITEDYOURACCOUNTWITHUS.2.電文二：匯入?yún)R款...PCBCCNBJ

...BOFAUS3N

MT100CUSTOMERTRANSFERTRANSREF

VAL/CUR/AMOUNT

ORDERINGCUSTOMER

ORDERINGBANK

ACCOUNTWITH

BENEFICIARY

DETAILSOFPMT

DETAILSOFCHARGES

BANKTOBANKINF:20:180TT09266

:32A:990712:50,USD31,681.00

:50:UnitedProsperityEnterprise,Inc,

Tortol;BritishVirginIslands

:52:MidlandBankLtd.,London

:57A:BKOFCHINA

:59:HuayuEngineManufacturingCo.Ltd

:70:ContractGH680-23

:71A:BEN

:72:REIBURSEWITHBKOFNKYNY

3.電文三：匯入?yún)R款FM:BANKOFAMERICA,NEWYORK

TO:INDUSTRIALANDCOMMERCIALBANKOFCHINA，GUANGDONGBRANCH

DATE:14OCT.

TEST87593OURREFTT10908-04

PLSPAYUSD38,000.00VALUE14,OCT.TOGUANGDONGCEREALSOILANDFOODSTUFFSI/EGROUPCORP.VIAA/CNO.310910079BEINGPROCEEDSUNDERS/CNO.CT89768ORDERWINFOODCO.LTD.COVERCREDITEDYOURH.O.ACCOUNT.電文一電文二電文三(1)匯出行HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONG

MidlandBankLtd.,LondonBANKOFAMERICA,NEWYORK(2)匯入行THEAGRICULTURALBANKOFCHINAGUANGZHOU

DATE:8THJUNEBKOFCHINAINDUSTRIALANDCOMMERCIALBANKOFCHINA，GUANGDONGBRANCH(3)發(fā)電日期8THJUNE99071214OCT(4)密押、匯款編號TEST2876AOURREFTT200498180TT09266TEST87593OURREFTT10908-04(5)匯款金額、起息時間PLSPAYHKD34000.VALUE8JUNE990712:50,USD31,681.00PLSPAYUSD38,000.00VALUE14,OCT.(6)收款人PRECISIONPHOTOEQUIPMENTLTD.JINXINGBUILDING22GUANGZHOUHuayuEngineManufacturingCo.Ltd

GUANGDONGCEREALSOILANDFOODSTUFFSI/EGROUPCORP(7)附言COMM.UNDERS/CNO.87364ContractGH680-23/BENVIAA/CNO.310910079BEINGPROCEEDSUNDERS/CNO.CT89768(8)匯款人HONGKONGANDSHANGHAIBANKINGCORPORATIONLTD.HONGKONGUnitedProsperityEnterprise,Inc,

Tortol;BritishVirginIslandsWINFOODCO.LTD.(9)頭寸劃撥WEHAVECREDITEDYOURACCOUNTWITHUS.REIBURSEWITHBKOFNKYNYCREDITEDYOURH.O.ACCOUNT.(接第(一)題)（二）中國農(nóng)業(yè)銀行廣州市分行接受CHINANAT.METALS&MINERALSI/ECORP.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POSANGBANKLTD.,HONGKONG，匯出行在匯入行開立有港幣存款賬戶，費(fèi)用由受益人承擔(dān)。FM:THEAGRICULTURALBANKOFCHINAGuangzhouBranch

TO:POSANGBANKLTD.,HONGKONG

DATE：Mar,8th,2003

TEST

OURREFNO.

TT96785

NOANYCHARGESFORUS

PAY

HKDollars20,000.00VALUE

8March

TO

UnitedTradingCompany

HongKong

FORCREDITINGACCOUNTNO.

MESSAGE

allchargesaretobebornebybeneficiary

ORDER

CHINANAT.METALS&MINERALSI/ECORP.

COVER

pleasedebitour

accountwithyou

(接第(一)題)（三）中國農(nóng)業(yè)銀行廣州市分行采用SWIFTMT100匯款格式，將電報內(nèi)容輸入電腦發(fā)送至匯入行POSANGBANKLTD.,HONGKONG。TO:POSANGBANKLTD.,HONGKONG

FM:THEAGRICULTURALBANKOFCHINA

MT100CUSTOMERTRANSFER:20TRANSREFNO.

:32AVAL/CUR/AMOUNT

:50ORDERINGCUSTOMER.

:52AORDERINGBANK.

:53ASENDER'SCORRESPONDENTBANK.

:54ARECEIVER'SCORRESPONDENTBANK.

:56INTERMEDIARYBANK.

:57AACCOUNTWITHBANK

:59BENEFICIARY

:70DETAILSOFPAYMENT

:71ADETAILSOFCHARGES

:72BANKTOBANKINFORMATION:__TT96785__

:__030308(起息日)HKDollars20,000.00__

:CHINANAT.METALS&MINERALSI/ECORP.

:

:______________________

:THEAGRICULTURALBANKOFCHINA

:______________________

:__POSANGBANKLTD.,HONGKONG____________________

:UnitedTradingCompanyHongkong.

:COMM.UNDERS/CNO.CT0011-01

:allchargesaretobebornebypayee

:_debitourouraccount__withyou_____三、信匯中的委托書和支付授權(quán)書（一）匯出行IndustrialandCommercialBankofChina,Shangdong根據(jù)業(yè)務(wù)內(nèi)容，填寫支付授權(quán)書。

①Date:15Sept.,2002；②PayingBank:HongkongandShanghaiBankingCorp.Ltd.,HongKong;③RefNo.MT28376;④Amount:HKD30,000.00；⑤Cover:PleasedebitourA/Cwithyou；⑥Message:CommissionunderS/CNO.FB9768；⑦Payee:WinFoodCompany,Ltd.,HongKong；⑧Remitter:ShangdongCerealsOil&FoodstuffsI&EGroupCorp.IndustrialandCommercialBankofChina

Shangdong

PAYMENTORDERDate:

15

，

Sept.

，

2002

TO:HongkongandShanghaiBankingCorp.Ltd.,HongKongNo.ofpaymentorderTobepaidorcreditedtoAmountNo.MT28376WinFoodCompany,Ltd.,HongKongHKD30,000.00Amountinwords:

HKdollarsthirtythousands

Byorderof

ShangdongCerealsOil&FoodstuffsI&EGroupCorp.Remarks

Youareauthorizedtodebitouraccountwithyou.

□WehavecreditedyourA/Cwithus.

□FundsremittedtoyouviaIndustrialandCommercialBankofChina（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(jìn)行審核。中國銀行香港分行

BANKOFCHINA,HONGKONGBRANCH下列匯款，請即解付，如有費(fèi)用請內(nèi)扣。日期：15,March,1999,Guangzhou我已貸記你行賬戶。Pleaseadviseandeffectthe

followingpaymentlessyourcharges

ifany.Incover,wehavecreditedyour

accountwithus.此致

TOBANKOFCHINA，GUANGZHOU信匯號碼

No.ofMailtransfer收款人

Tobepaidto金額

AmountMT992568RuiqiGarmentCo.Ltd.,Guangzhou

a/cNo.34568-113HKD200,000.00大寫金額AmountinWords:H.K.DollarsTwoHundredThousand附言:BeingProceedsunderS/C匯款人MessageNo.99CC03026ByorderofUniversalGarmentImp.&Exp.Co.

HongKong中國銀行香港分行

BANKOFCHINA,HONGKONG(1)匯出行BANKOFCHINA,HONGKONGBRANCH(2)匯入行BANKOFCHINA，GUANGZHOU(3)收款人RuiqiGarmentCo.Ltd.,Guangzhou

(4)匯款人UniversalGarmentImp.&Exp.Co.

(5)匯款貨幣及金額HKD200,000.00(6)款項(xiàng)用途BeingProceedsunderS/C,MessageNo.99CC03026(7)匯款頭寸劃撥指示wehavecreditedyour

accountwithus.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WileteccCo.,Ltd.,HongKong提交的匯票，按所給問題對匯票進(jìn)行審核和處理。(1)匯出行BankofChina,Guangzhou(2)匯入行BankofChina,410MadisonAvenueNewYork(3)收款人WileteccCo.,Ltd.,NewYork(4)匯款人No(5)匯款貨幣及金額U.S.DollarsTwentyThousandOnly(6)匯票的付款期限Oneyearfromthedateissue(7)客戶提出匯票遺失，出票行的處理要求出具擔(dān)保書，通知匯入行注銷票根(8)是否是中心匯票是中心匯票是指以匯票票面貨幣的清算中心所在地銀行為付款人的匯票，通常是貨幣的發(fā)行和結(jié)算中心。如某匯票的票面金額以美元表示，而美元的清算中心在紐約，因此匯出行在開立匯票匯票時，要選擇一家位于紐約的與自己有業(yè)務(wù)代理關(guān)系的銀行為匯票付款人。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(jìn)行處理。（一）退匯電文一WereturnherewithyourDraftNo.C249/7681forUSD200,000.00forcredittoouraccount786-723987-023AngloInternationalCo.andregrettoadvisethatweareunabletodeposittheproceedstothecaptionedaccountbecausethenameofthepayeediffersfromourrecords.ItshouldreadasAngloInternationalCo.Ltd....（二）退匯電文二OurDraftNo.3893-987dated20May2002forAUD105,000.00forcredittoGoodluckCo.Ltd.,referringtothecaptioneditem,weareinformedbytheremitterthattheabovementioneddrafthasgoneashtrayinmaildelivery.

Inthisconnection,weshallbemuchobligedifyouwillcancelthesaiddraftfromyourrecordsandreturntherelativeadviceofdrawingtous.（三）退匯通知書YourRemittancereceiptNo.TT56343

forHKD65,00000datedAug.30,2001

payabletoA/CNo.86754

forA/CofBBBCo.

withreferencetotheabove,wereturnherewiththeremittancereceipttoyouforthefollowingreason(s):

Noaccount

Accountclosed

NameNA/Cnotmatched

Insufficientdetailtoidentify

Kindlyacknowledgereceiptbysigningandreturningtoustheattachedcopyofthisletter.業(yè)務(wù)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DraftNo.C249/7681forUSD200,000.00forcredittoouraccount786-723987-023AngloInternationalCo.DraftNo.3893-987dated20May2002forAUD105,000.00forcredittoGoodluckCo.Ltd.,HKD65,00000datedAug.30,2001

payabletoA/CNo.86754

forA/CofBBBCo(2)退匯理由payeediffersfromourrecordsdrafthasgoneashtrayinmaildeliveryAccountclosed(3)退匯的銀行payingbankRemittingBankRemittingBank(4)銀行的處理ReturnyourDraftcancelthesaiddraftfromyourrecordsandreturntherelativeadviceofdrawingtousKindlyacknowledgereceiptbysigningandreturningtoustheattachedcopyofthisletter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(jìn)行處理。（一）電文一Re:OurP.O.RefH783746DatedFeb.20,2000

Thebeneficiaryclaimsnon-receiptofthefundsuptodate,youarekindlyrequestedtoinvestigatethismatterandrevertbytelex.（二）電文二Re:OurP.O.Ref8976224DatedJuly10,2001

PleasefurnishuswithmoreinformationsuchascontractNo.,thenameofthegoodsandthequantity,becausethebeneficiaryareunabletoapplywiththeinformationgiven.（三）電文三Re:OurP.O.RefJ67398DatedNov.18,2001

Pleaseletuslearnthefulladdressofthepayeeofyourabovepaymentorder,aswehavebeenunabletolocatethemandareholdingyourorderpending.（四）電文四Re:OurP.O.Ref563765DatedJan.7,2000

Ifthepaymenthasalreadybeeneffected,pleaseforwardusthepayee'sreceipt.（五）查詢書一

XXXBankTo:YYYBank

OurDD/MT/TTNo.TT200498dated8June2002forUSD505,000.00

infavourofKimHwaTextilesCo.,89LondonSt.,Singapore

Werefertotheaboveremittanceandrequestyoutotakenoteofthefollowingitem(s)marked“X”andactaccordingly:

Wehavereceivedyourletter/cabledated

.

Thenameandaddressofthepayeeareamendedtoreadasfollow:

Theremitterhasinformedusthattheaboveremittancehadnotyetbeenreceivedbythepayeeuptothedate.

Ifthepaymenthasalreadybeeneffected,pleaseforwardthepayeesreceipttous.

Kindlyconfirmtousbymail/cablethedateofpaymentoftheremittance.

TheaboveDDhasbeenreturntousforcacellation.

TheaboveDDhasbeenreportedlastandshouldbetreatedascancelled,pleaseconfirmthatyouhaveplacedstoppaymentonthisDD.

Attherequestoftheremitterpleasecanceltheaboveremittanceimmediately,ifunpaidandcredittheamounttoouraccountwithyouafterdeductingyourchargesifany,underadvicetous.XXXBank

（六）查詢書二

XXXBankTo:YYYBank

Re:YourTT999888dated990323forUSD8,900.00PayabletoHingLongMagnetronicCo.Ltd.

Werefertotheabovementioneditemandwouldliketoadviseyouasmarked“X”below:

Thepaymentorderisnotproperlysigned,pleaseconfirmitsregularity.

Theamountinwordsandfiguresonthepaymentorderdiffer,pleaseconfirmthecorrectamount.

Paymentwaseffectedon

,aphotocopyofthebeneficiarysreceiptisenclosedforyourreference.

Thebeneficiarycannotbelocatedattheaddressgiven,pleasegivefurtherinformation.

Name/addressofthebeneficiaryisincomplete,pleasegivefulldetails.

Beneficiary'sname/accountnumberdoesnotmatchwiththatinourrecords

Pleasefurnishuswiththecorrectinformation.(Theaccountname/numbershouldread

).

Thebeneficiary'snamediffersfromthatinhis/her