国际结算第四章托收 ppt课件

Need)
Principal—seller（drawer） Remitting bank Collecting bank Payer - buyer (drawee) Presenting bank Representative in case of need
Principal —seller（drawer） The principal is usually the exporter who entrusts the collection items to the bank. The principal consign the bank to receive the amount of the draft from overseas debtor, can also be called drawer .
❖ 《托收统一规则》(Uniform Rules for Collection, ICC Publication No. 522) (即
URC522)
The Uniform Rules for Collections(URC) form an internationally accepted code of practice covering documentary collection.
Payer - buyer (drawee)
The payer is the debtor who the draft has appointed.
Representative in case of need This representative is appointed by the principal to act as case of need in the event of non-acceptance or non payment.
After the exporter has shipped the goods, he presents the draft and documents to his bank with his collection instruction. The bank will collect the proceeds on behalf of him.
❖ 光票托收是对金融单据的托收，不附带商业 单据。光票托收的金额一般不大。
❖ 非贸易托收必定是光票托收
跟单托收
❖ 跟单托收Leabharlann 附带商业单据的托收。❖ 两种情况：一是附有金融单据的商业单据托 收；二是不附有金融单据的商业单据托收。
托收业务中的单据
❖ 金融单据（Financial Documents） ❖ 商业单据（Commercial Documents）
托收业务当事人
❖ 委托人（Principal） ❖ 托收行（Remitting Bank） ❖ 代收行（Collecting Bank） ❖ 提示行（Presenting Bank） ❖ 付款人（Drawee） ❖ 需要时的代理(Representative in Case of
Relationship between the parties
Principal （Exporter）
Payer （Importer）
Application for collection
Remitting bank
Collection Advice
Collecting bank
托收业务流程
托收的种类
(Collection)
❖ 托收的定义 ❖ 托收的种类 ❖ 跟单托收的业务程序 ❖ 当事人 ❖ 跟单托收中出口商的风险与防范
❖ 托收结算方式的特点 ❖ 风险管理（案例分析）
托收的定义
❖ 指出口商（或债权人）开立金融单据或商业 单据或两者兼有，委托托收行通过其国外的 分行或代理行向进口商（或债务人）收取货 款或劳务费用的结算方式。 托收既可用于贸易结算，又可用于非贸易结 算。
Collecting bank
The obligation :
（1）check up the documents；
（2）keep the documents ； （3）feed back the headway of collection in time; （4）deal with the goods prudently.
Principal—seller（drawer）
The liability of the principal according to
trade contract: shipment in time and provide the documents according with the contract.
从银行的角度划分，托收可以分为： ❖ 出口托收 (Outward Collection) ❖ 进口代收（Inward Collection） 根据托收中涉及的单据，托收可以分为： ❖ 光票托收 (Clean Collection) ❖ 跟单托收 (Documentary Collection)
光票托收
Remitting bank: This is the bank that accept the entrustment of the principal and achieve the collection by its overseas correspondent .Such a bank is normally the exporter’s bank.
Remitting bank:
The obligation ：
（1）check up the application for collection and the documents
（2）make a collection instruction
Collecting bank
The bank that accept the consignment of remitting bank and get the payment from the debtor is the correspondent .