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International SettlementInternational Settlement

Chapter four CollectionChapter four Collection

bull The concept of collection bull Basic parties to a collectionbull Procedures of a collectionbull Documents in collectionbull Types of collectionbull Terms of releasing documentsbull Risks involved and protectionbull URC522

bull URC522 Art2

collections means the handling by banks on instructions received of documents in order to 1)obtain acceptance andor payment 2)deliver commercial documents against acceptance or payment 3)deliver documents on other terms and conditions

指由接到委托指示的银行处理金融单据和 或商业单据以便取得付款 承兑或凭付款 承兑交出商业单据或凭其它条件交出单据

bull Collection is an arrangement whereby the seller draws a draft on the buyer and or shipping documents are forwarded to his bank authorizing it to collect the money from the buyer through its correspondent bank

指债权人（出口人）出具债权凭证（汇票等）委托银行向债务人（进口人）收取货款

bull 银行参与仅是利用其资金划拨渠道提供完善服务并无收妥保证商业信用基础

The concept of collectionThe concept of collection

bull 委托人 principal--seller(drawer)

collection application

bull 托收行 remitting bank 寄单行 collection instruction

bull 代收行 collecting bank

bull 提示行 presenting bank

bull 付款人 payer - buyer (drawee)

bull 需要时的代理 principalrsquos representative in case

of need

Basic parties to a collection Basic parties to a collection

Chapter four CollectionChapter four Collection

bull The concept of collection bull Basic parties to a collectionbull Procedures of a collectionbull Documents in collectionbull Types of collectionbull Terms of releasing documentsbull Risks involved and protectionbull URC522

bull URC522 Art2

collections means the handling by banks on instructions received of documents in order to 1)obtain acceptance andor payment 2)deliver commercial documents against acceptance or payment 3)deliver documents on other terms and conditions

指由接到委托指示的银行处理金融单据和 或商业单据以便取得付款 承兑或凭付款 承兑交出商业单据或凭其它条件交出单据

bull Collection is an arrangement whereby the seller draws a draft on the buyer and or shipping documents are forwarded to his bank authorizing it to collect the money from the buyer through its correspondent bank

指债权人（出口人）出具债权凭证（汇票等）委托银行向债务人（进口人）收取货款

bull 银行参与仅是利用其资金划拨渠道提供完善服务并无收妥保证商业信用基础

The concept of collectionThe concept of collection

bull 委托人 principal--seller(drawer)

collection application

bull 托收行 remitting bank 寄单行 collection instruction

bull 代收行 collecting bank

bull 提示行 presenting bank

bull 付款人 payer - buyer (drawee)

bull 需要时的代理 principalrsquos representative in case

of need

Basic parties to a collection Basic parties to a collection

bull URC522 Art2

collections means the handling by banks on instructions received of documents in order to 1)obtain acceptance andor payment 2)deliver commercial documents against acceptance or payment 3)deliver documents on other terms and conditions

指由接到委托指示的银行处理金融单据和 或商业单据以便取得付款 承兑或凭付款 承兑交出商业单据或凭其它条件交出单据

bull Collection is an arrangement whereby the seller draws a draft on the buyer and or shipping documents are forwarded to his bank authorizing it to collect the money from the buyer through its correspondent bank

指债权人（出口人）出具债权凭证（汇票等）委托银行向债务人（进口人）收取货款

bull 银行参与仅是利用其资金划拨渠道提供完善服务并无收妥保证商业信用基础

The concept of collectionThe concept of collection

bull 委托人 principal--seller(drawer)

collection application

bull 托收行 remitting bank 寄单行 collection instruction

bull 代收行 collecting bank

bull 提示行 presenting bank

bull 付款人 payer - buyer (drawee)

bull 需要时的代理 principalrsquos representative in case

of need

Basic parties to a collection Basic parties to a collection

bull 委托人 principal--seller(drawer)

collection application

bull 托收行 remitting bank 寄单行 collection instruction

bull 代收行 collecting bank

bull 提示行 presenting bank

bull 付款人 payer - buyer (drawee)

bull 需要时的代理 principalrsquos representative in case

of need

Basic parties to a collection Basic parties to a collection

bull It serves as the contract between the principal and the remitting bankand should expressly indicate the intention and requirement of the principal

bull Content details of the principal and drawee a list of documents Amount and currency to be collected terms of releasing documents 交单条件 disposal of proceeds upon collection

票款收妥后代收行汇交托收款的方式 store and insure clause when documents are not taken up

on arrival of goods 仓储保险 bank and other charges 银行费用 about protest in the event of dishonor designating collecting bank 指定代收行

Collection application Collection application

托收行在缮制托收指示书时应将交款指示明确清楚地表达出来交款指示是托收行对代收行在款项收妥后如何汇交的指示 如果托收行在代收行设有账户 collection instruction upon collectionplease credit the proceeds to our account with you under airmailcable advice to us 如果代收行在托收行设有账户 collection instructionPlease collect proceeds and authorize us by airmailcable to debit your account with us

托收行与代收行之间没有帐户托收行在国外 X 银行开立帐户 请代收行将收妥款项汇至 X 银行贷记本行帐户并请该行以电报或航邮通知我行 please collect and remit the proceeds to x Bank for credit of our account with them under their cableairmail advice to us

Procedures of a collection Procedures of a collection

bull Collection draft Payee 1)drawerprincipal remitting bank collecting

bank 2)remitting bank collecting bankpay to the order of remitting bankEndorsement for collection pay to the order of collecting bank for remitting banksignature 3)collecting bank Drawn clause Drawn against shipment of from to for collection for payment on demand draft is not necessary

bull Bill of lading consigneeto orderto order of shipper

Documents in collection Documents in collection

Blank endorsement Special endorsement

bull 光票托收（ clean collection) Collection on financial instruments onlysometimes accompa

nied by invoiceetc Documents are sent directly by the exporter to the importer The exporter is in fact shipping on open-account terms

1048708Payment instrument a draft a check or a money order the tenor of which can be at sight or a future time

bull 跟单托收 (documentary collection) Collection on financial documents being accompanied by co

mmercial documents or collection on commercial documents without financial documents Only the draft drawn is paid or accepted will the documents be released to the importer

bull 直接托收 (direct collection) an arrangement whereby the seller obtains his bankrsquos pre-nu

mbered direct collection letter thus enabling him to sent his documents directly to his bankrsquos correspondent bank for collection 是委托人以从托收行获取的托收表格为基础直接将托收单据和托收表格寄给代收行 代收行将委托人直接寄送的单据视同由托收行寄出

Types of collection Types of collection

bull 付款交单（ documents against payment DP)

即期付款交单（ DP at sight)

远期付款交单（ DP at hellip days after sight)

bull 承兑交单（ documents against acceptance DA)

bull 凭其他条件交单 (documents against other t

erms and conditions)

Terms of releasing documents Terms of releasing documents

the collecting bank is allowed to release the documents to the drawee only against full and immediate payment

bull DP at sight sight draft pay on presentation for documents ldquoupon first presentation the buyers shall pay against doc

umentary draft drawn by the sellers at sight The shipping documents are to be delivered against payment onlyrdquo

bull DP at a fixed time after sight time draft first presenting for acceptancewhen the accepte

d draft matures presenting it for payment then releasing document to buyer

一般是为避免在运输途中买方资金的占压远期期限以货物运输的在途时间为宜

Procedures

Documents against payment Documents against payment

Procedures of a collection Procedures of a collection

bull Collection draft Payee 1)drawerprincipal remitting bank collecting

bank 2)remitting bank collecting bankpay to the order of remitting bankEndorsement for collection pay to the order of collecting bank for remitting banksignature 3)collecting bank Drawn clause Drawn against shipment of from to for collection for payment on demand draft is not necessary

bull Bill of lading consigneeto orderto order of shipper

Documents in collection Documents in collection

Blank endorsement Special endorsement

bull 光票托收（ clean collection) Collection on financial instruments onlysometimes accompa

nied by invoiceetc Documents are sent directly by the exporter to the importer The exporter is in fact shipping on open-account terms

1048708Payment instrument a draft a check or a money order the tenor of which can be at sight or a future time

bull 跟单托收 (documentary collection) Collection on financial documents being accompanied by co

mmercial documents or collection on commercial documents without financial documents Only the draft drawn is paid or accepted will the documents be released to the importer

bull 直接托收 (direct collection) an arrangement whereby the seller obtains his bankrsquos pre-nu

mbered direct collection letter thus enabling him to sent his documents directly to his bankrsquos correspondent bank for collection 是委托人以从托收行获取的托收表格为基础直接将托收单据和托收表格寄给代收行 代收行将委托人直接寄送的单据视同由托收行寄出

Types of collection Types of collection

bull 付款交单（ documents against payment DP)

即期付款交单（ DP at sight)

远期付款交单（ DP at hellip days after sight)

bull 承兑交单（ documents against acceptance DA)

bull 凭其他条件交单 (documents against other t

erms and conditions)

Terms of releasing documents Terms of releasing documents

the collecting bank is allowed to release the documents to the drawee only against full and immediate payment

bull DP at sight sight draft pay on presentation for documents ldquoupon first presentation the buyers shall pay against doc

umentary draft drawn by the sellers at sight The shipping documents are to be delivered against payment onlyrdquo

bull DP at a fixed time after sight time draft first presenting for acceptancewhen the accepte

d draft matures presenting it for payment then releasing document to buyer

一般是为避免在运输途中买方资金的占压远期期限以货物运输的在途时间为宜

Procedures

Documents against payment Documents against payment

bull Collection draft Payee 1)drawerprincipal remitting bank collecting

bank 2)remitting bank collecting bankpay to the order of remitting bankEndorsement for collection pay to the order of collecting bank for remitting banksignature 3)collecting bank Drawn clause Drawn against shipment of from to for collection for payment on demand draft is not necessary

bull Bill of lading consigneeto orderto order of shipper

Documents in collection Documents in collection

Blank endorsement Special endorsement

bull 光票托收（ clean collection) Collection on financial instruments onlysometimes accompa

nied by invoiceetc Documents are sent directly by the exporter to the importer The exporter is in fact shipping on open-account terms

1048708Payment instrument a draft a check or a money order the tenor of which can be at sight or a future time

bull 跟单托收 (documentary collection) Collection on financial documents being accompanied by co

mmercial documents or collection on commercial documents without financial documents Only the draft drawn is paid or accepted will the documents be released to the importer

bull 直接托收 (direct collection) an arrangement whereby the seller obtains his bankrsquos pre-nu

mbered direct collection letter thus enabling him to sent his documents directly to his bankrsquos correspondent bank for collection 是委托人以从托收行获取的托收表格为基础直接将托收单据和托收表格寄给代收行 代收行将委托人直接寄送的单据视同由托收行寄出

Types of collection Types of collection

bull 付款交单（ documents against payment DP)

即期付款交单（ DP at sight)

远期付款交单（ DP at hellip days after sight)

bull 承兑交单（ documents against acceptance DA)

bull 凭其他条件交单 (documents against other t

erms and conditions)

Terms of releasing documents Terms of releasing documents

the collecting bank is allowed to release the documents to the drawee only against full and immediate payment

bull DP at sight sight draft pay on presentation for documents ldquoupon first presentation the buyers shall pay against doc

umentary draft drawn by the sellers at sight The shipping documents are to be delivered against payment onlyrdquo

bull DP at a fixed time after sight time draft first presenting for acceptancewhen the accepte

d draft matures presenting it for payment then releasing document to buyer

一般是为避免在运输途中买方资金的占压远期期限以货物运输的在途时间为宜

Procedures

Documents against payment Documents against payment

bull 光票托收（ clean collection) Collection on financial instruments onlysometimes accompa

nied by invoiceetc Documents are sent directly by the exporter to the importer The exporter is in fact shipping on open-account terms

1048708Payment instrument a draft a check or a money order the tenor of which can be at sight or a future time

bull 跟单托收 (documentary collection) Collection on financial documents being accompanied by co

mmercial documents or collection on commercial documents without financial documents Only the draft drawn is paid or accepted will the documents be released to the importer

bull 直接托收 (direct collection) an arrangement whereby the seller obtains his bankrsquos pre-nu

mbered direct collection letter thus enabling him to sent his documents directly to his bankrsquos correspondent bank for collection 是委托人以从托收行获取的托收表格为基础直接将托收单据和托收表格寄给代收行 代收行将委托人直接寄送的单据视同由托收行寄出

Types of collection Types of collection

bull 付款交单（ documents against payment DP)

即期付款交单（ DP at sight)

远期付款交单（ DP at hellip days after sight)

bull 承兑交单（ documents against acceptance DA)

bull 凭其他条件交单 (documents against other t

erms and conditions)

Terms of releasing documents Terms of releasing documents

the collecting bank is allowed to release the documents to the drawee only against full and immediate payment

bull DP at sight sight draft pay on presentation for documents ldquoupon first presentation the buyers shall pay against doc

umentary draft drawn by the sellers at sight The shipping documents are to be delivered against payment onlyrdquo

bull DP at a fixed time after sight time draft first presenting for acceptancewhen the accepte

d draft matures presenting it for payment then releasing document to buyer

一般是为避免在运输途中买方资金的占压远期期限以货物运输的在途时间为宜

Procedures

Documents against payment Documents against payment

bull 付款交单（ documents against payment DP)

即期付款交单（ DP at sight)

远期付款交单（ DP at hellip days after sight)

bull 承兑交单（ documents against acceptance DA)

bull 凭其他条件交单 (documents against other t

erms and conditions)

Terms of releasing documents Terms of releasing documents

the collecting bank is allowed to release the documents to the drawee only against full and immediate payment

bull DP at sight sight draft pay on presentation for documents ldquoupon first presentation the buyers shall pay against doc

umentary draft drawn by the sellers at sight The shipping documents are to be delivered against payment onlyrdquo

bull DP at a fixed time after sight time draft first presenting for acceptancewhen the accepte

d draft matures presenting it for payment then releasing document to buyer

一般是为避免在运输途中买方资金的占压远期期限以货物运输的在途时间为宜

Procedures

Documents against payment Documents against payment

the collecting bank is allowed to release the documents to the drawee only against full and immediate payment

bull DP at sight sight draft pay on presentation for documents ldquoupon first presentation the buyers shall pay against doc

umentary draft drawn by the sellers at sight The shipping documents are to be delivered against payment onlyrdquo

bull DP at a fixed time after sight time draft first presenting for acceptancewhen the accepte

d draft matures presenting it for payment then releasing document to buyer

一般是为避免在运输途中买方资金的占压远期期限以货物运输的在途时间为宜

Procedures

Documents against payment Documents against payment

Drawer Drawee

Remitting bank

Collecting bank

contract

1)Documentsdraft and

application 2)Documentsdraft andCollection instruction

3)Presenting draft

4)pay accept

Presenting for payment

pay

5)release documents

6)payment

7)pay-ment

Red letter stands for DP at a fixed time after sight

The collecting bank is allowed to release the documents to the drawee only against the acceptance of a draft the exporter extends credit to the importer

Documents against acceptance Documents against acceptance

Drawer Drawee

Remitting bank

Collecting bank

1)Documentsdraft and application

contract

2)Documentsdraft and

Collection instruction

3)Presenting draft

4)Accept

5)docu-ments

6)present-ing for payment

7)payment

8)payment

9)payment

bull 部分凭即期付款其余凭承兑远期汇票交单（ Delivery of documents against partial payment)

ldquoDelivery of documents against part of collection to be paid at sight and the balance by the way of the acceptance of a separate draft payable at a future date rdquo

bull 凭本票交单 (against PN)

bull 凭付款承诺交单 (against letter of undertaking to pay)

bull 凭信托收据交单 (against trust receipt)

bull 凭保函交单 (against letter of guarantee)

Documents against other terms Documents against other terms

bull Non-acceptance or payment by the importer for

a significant drop in market price of the

imported goods

bull Operational risks of the importer

bull Exchange restrictions

bull Risks relating to insurance

bull Special collections customs in different

countries

Risks involved to an exporter Risks involved to an exporter

bull Investigate the reputation and financial standing of the importer

bull Market trend of exported goods in importing country

bull Take into account the foreign exchange regulations and the economic and political conditions in the importing country

bull Pay attention to the local collection customs or usages

bull Better conclude a deal under CIF

Protection against risks Protection against risks

bull 《托收统一规则》 ( 国际商会出版物第 522 号出版物 ) 是托收业务使用的国际惯例

bull 国际商会为调和托收有关当事人之间的矛盾以利商业和金融活动的开展于 1967 年拟定《商业单据托收统一规则》并建议各国银行采用此后国际商会对该规则一再进行了修订并改名为《托收统一规则》

bull 其内容包括总则与定义托收的形式和结构提示的形式义务和责任付款利息手续费和开销以及其他条款等共 26 个条款

URC522 URC522

解释和说明解释和说明

bull 凡在托收指示书中注明按 URC522 行事的托收业务本规则对有关当事人均具有约束力

bull 除非事先已征得银行同意货物不应直接运交银行也不得以银行或其指定人为收货人否则此项货物的风险和责任由发货方承担

bull 银行必须确定所收到的单据与托收指示书所列的完全一致除此之外银行没有进一步审核单据的义务

bull 托收如被拒绝付款或拒绝承兑代收行行必须毫不延迟地向发出托收指示书的银行通知托收银行须在合理时间内对代收银行作出处理有关单据的指示如在送出拒付通知 60天内仍末接到该项指示时可将单据退回托收银行而不负任何责任

bull 托收不应含有凭付款交付商业单据指示的远期汇票bull 托收指示书中明确且完整地注明需要时代理人的权限bull 对托收费用利息部分付款拒绝证明托收情况的通知等问题具体的规定

bull 银行免责和不可抗力的规定

案例 1 我某外贸公司与某国 A商达成一项出口合同付款条件为 DP45天付款当汇票及所附单据通过托收行寄抵进口地代收行后 A商及时在汇票上履行了承兑手续货抵目的港时由于用货心切 A商出具信托收据向代收行借得单据先行提货转售汇票到期时 A商因经营不善失去偿付能力代收行以汇票付款人拒付为由通知托收行并建议由我外贸公司直接向 A商索取货款 代收行有责任但托收行没有责任要由我出口方直接向代收行追索货款

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

The collecting bank is allowed to release the documents to the drawee only against the acceptance of a draft the exporter extends credit to the importer

Documents against acceptance Documents against acceptance

Drawer Drawee

Remitting bank

Collecting bank

1)Documentsdraft and application

contract

2)Documentsdraft and

Collection instruction

3)Presenting draft

4)Accept

5)docu-ments

6)present-ing for payment

7)payment

8)payment

9)payment

bull 部分凭即期付款其余凭承兑远期汇票交单（ Delivery of documents against partial payment)

ldquoDelivery of documents against part of collection to be paid at sight and the balance by the way of the acceptance of a separate draft payable at a future date rdquo

bull 凭本票交单 (against PN)

bull 凭付款承诺交单 (against letter of undertaking to pay)

bull 凭信托收据交单 (against trust receipt)

bull 凭保函交单 (against letter of guarantee)

Documents against other terms Documents against other terms

bull Non-acceptance or payment by the importer for

a significant drop in market price of the

imported goods

bull Operational risks of the importer

bull Exchange restrictions

bull Risks relating to insurance

bull Special collections customs in different

countries

Risks involved to an exporter Risks involved to an exporter

bull Investigate the reputation and financial standing of the importer

bull Market trend of exported goods in importing country

bull Take into account the foreign exchange regulations and the economic and political conditions in the importing country

bull Pay attention to the local collection customs or usages

bull Better conclude a deal under CIF

Protection against risks Protection against risks

bull 《托收统一规则》 ( 国际商会出版物第 522 号出版物 ) 是托收业务使用的国际惯例

bull 国际商会为调和托收有关当事人之间的矛盾以利商业和金融活动的开展于 1967 年拟定《商业单据托收统一规则》并建议各国银行采用此后国际商会对该规则一再进行了修订并改名为《托收统一规则》

bull 其内容包括总则与定义托收的形式和结构提示的形式义务和责任付款利息手续费和开销以及其他条款等共 26 个条款

URC522 URC522

解释和说明解释和说明

bull 凡在托收指示书中注明按 URC522 行事的托收业务本规则对有关当事人均具有约束力

bull 除非事先已征得银行同意货物不应直接运交银行也不得以银行或其指定人为收货人否则此项货物的风险和责任由发货方承担

bull 银行必须确定所收到的单据与托收指示书所列的完全一致除此之外银行没有进一步审核单据的义务

bull 托收如被拒绝付款或拒绝承兑代收行行必须毫不延迟地向发出托收指示书的银行通知托收银行须在合理时间内对代收银行作出处理有关单据的指示如在送出拒付通知 60天内仍末接到该项指示时可将单据退回托收银行而不负任何责任

bull 托收不应含有凭付款交付商业单据指示的远期汇票bull 托收指示书中明确且完整地注明需要时代理人的权限bull 对托收费用利息部分付款拒绝证明托收情况的通知等问题具体的规定

bull 银行免责和不可抗力的规定

案例 1 我某外贸公司与某国 A商达成一项出口合同付款条件为 DP45天付款当汇票及所附单据通过托收行寄抵进口地代收行后 A商及时在汇票上履行了承兑手续货抵目的港时由于用货心切 A商出具信托收据向代收行借得单据先行提货转售汇票到期时 A商因经营不善失去偿付能力代收行以汇票付款人拒付为由通知托收行并建议由我外贸公司直接向 A商索取货款 代收行有责任但托收行没有责任要由我出口方直接向代收行追索货款

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

bull 部分凭即期付款其余凭承兑远期汇票交单（ Delivery of documents against partial payment)

ldquoDelivery of documents against part of collection to be paid at sight and the balance by the way of the acceptance of a separate draft payable at a future date rdquo

bull 凭本票交单 (against PN)

bull 凭付款承诺交单 (against letter of undertaking to pay)

bull 凭信托收据交单 (against trust receipt)

bull 凭保函交单 (against letter of guarantee)

Documents against other terms Documents against other terms

bull Non-acceptance or payment by the importer for

a significant drop in market price of the

imported goods

bull Operational risks of the importer

bull Exchange restrictions

bull Risks relating to insurance

bull Special collections customs in different

countries

Risks involved to an exporter Risks involved to an exporter

bull Investigate the reputation and financial standing of the importer

bull Market trend of exported goods in importing country

bull Take into account the foreign exchange regulations and the economic and political conditions in the importing country

bull Pay attention to the local collection customs or usages

bull Better conclude a deal under CIF

Protection against risks Protection against risks

bull 《托收统一规则》 ( 国际商会出版物第 522 号出版物 ) 是托收业务使用的国际惯例

bull 国际商会为调和托收有关当事人之间的矛盾以利商业和金融活动的开展于 1967 年拟定《商业单据托收统一规则》并建议各国银行采用此后国际商会对该规则一再进行了修订并改名为《托收统一规则》

bull 其内容包括总则与定义托收的形式和结构提示的形式义务和责任付款利息手续费和开销以及其他条款等共 26 个条款

URC522 URC522

解释和说明解释和说明

bull 凡在托收指示书中注明按 URC522 行事的托收业务本规则对有关当事人均具有约束力

bull 除非事先已征得银行同意货物不应直接运交银行也不得以银行或其指定人为收货人否则此项货物的风险和责任由发货方承担

bull 银行必须确定所收到的单据与托收指示书所列的完全一致除此之外银行没有进一步审核单据的义务

bull 托收如被拒绝付款或拒绝承兑代收行行必须毫不延迟地向发出托收指示书的银行通知托收银行须在合理时间内对代收银行作出处理有关单据的指示如在送出拒付通知 60天内仍末接到该项指示时可将单据退回托收银行而不负任何责任

bull 托收不应含有凭付款交付商业单据指示的远期汇票bull 托收指示书中明确且完整地注明需要时代理人的权限bull 对托收费用利息部分付款拒绝证明托收情况的通知等问题具体的规定

bull 银行免责和不可抗力的规定

案例 1 我某外贸公司与某国 A商达成一项出口合同付款条件为 DP45天付款当汇票及所附单据通过托收行寄抵进口地代收行后 A商及时在汇票上履行了承兑手续货抵目的港时由于用货心切 A商出具信托收据向代收行借得单据先行提货转售汇票到期时 A商因经营不善失去偿付能力代收行以汇票付款人拒付为由通知托收行并建议由我外贸公司直接向 A商索取货款 代收行有责任但托收行没有责任要由我出口方直接向代收行追索货款

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

bull Non-acceptance or payment by the importer for

a significant drop in market price of the

imported goods

bull Operational risks of the importer

bull Exchange restrictions

bull Risks relating to insurance

bull Special collections customs in different

countries

Risks involved to an exporter Risks involved to an exporter

bull Investigate the reputation and financial standing of the importer

bull Market trend of exported goods in importing country

bull Take into account the foreign exchange regulations and the economic and political conditions in the importing country

bull Pay attention to the local collection customs or usages

bull Better conclude a deal under CIF

Protection against risks Protection against risks

bull 《托收统一规则》 ( 国际商会出版物第 522 号出版物 ) 是托收业务使用的国际惯例

bull 国际商会为调和托收有关当事人之间的矛盾以利商业和金融活动的开展于 1967 年拟定《商业单据托收统一规则》并建议各国银行采用此后国际商会对该规则一再进行了修订并改名为《托收统一规则》

bull 其内容包括总则与定义托收的形式和结构提示的形式义务和责任付款利息手续费和开销以及其他条款等共 26 个条款

URC522 URC522

解释和说明解释和说明

bull 凡在托收指示书中注明按 URC522 行事的托收业务本规则对有关当事人均具有约束力

bull 除非事先已征得银行同意货物不应直接运交银行也不得以银行或其指定人为收货人否则此项货物的风险和责任由发货方承担

bull 银行必须确定所收到的单据与托收指示书所列的完全一致除此之外银行没有进一步审核单据的义务

bull 托收如被拒绝付款或拒绝承兑代收行行必须毫不延迟地向发出托收指示书的银行通知托收银行须在合理时间内对代收银行作出处理有关单据的指示如在送出拒付通知 60天内仍末接到该项指示时可将单据退回托收银行而不负任何责任

bull 托收不应含有凭付款交付商业单据指示的远期汇票bull 托收指示书中明确且完整地注明需要时代理人的权限bull 对托收费用利息部分付款拒绝证明托收情况的通知等问题具体的规定

bull 银行免责和不可抗力的规定

案例 1 我某外贸公司与某国 A商达成一项出口合同付款条件为 DP45天付款当汇票及所附单据通过托收行寄抵进口地代收行后 A商及时在汇票上履行了承兑手续货抵目的港时由于用货心切 A商出具信托收据向代收行借得单据先行提货转售汇票到期时 A商因经营不善失去偿付能力代收行以汇票付款人拒付为由通知托收行并建议由我外贸公司直接向 A商索取货款 代收行有责任但托收行没有责任要由我出口方直接向代收行追索货款

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

bull Investigate the reputation and financial standing of the importer

bull Market trend of exported goods in importing country

bull Take into account the foreign exchange regulations and the economic and political conditions in the importing country

bull Pay attention to the local collection customs or usages

bull Better conclude a deal under CIF

Protection against risks Protection against risks

bull 《托收统一规则》 ( 国际商会出版物第 522 号出版物 ) 是托收业务使用的国际惯例

bull 国际商会为调和托收有关当事人之间的矛盾以利商业和金融活动的开展于 1967 年拟定《商业单据托收统一规则》并建议各国银行采用此后国际商会对该规则一再进行了修订并改名为《托收统一规则》

bull 其内容包括总则与定义托收的形式和结构提示的形式义务和责任付款利息手续费和开销以及其他条款等共 26 个条款

URC522 URC522

解释和说明解释和说明

bull 凡在托收指示书中注明按 URC522 行事的托收业务本规则对有关当事人均具有约束力

bull 除非事先已征得银行同意货物不应直接运交银行也不得以银行或其指定人为收货人否则此项货物的风险和责任由发货方承担

bull 银行必须确定所收到的单据与托收指示书所列的完全一致除此之外银行没有进一步审核单据的义务

bull 托收如被拒绝付款或拒绝承兑代收行行必须毫不延迟地向发出托收指示书的银行通知托收银行须在合理时间内对代收银行作出处理有关单据的指示如在送出拒付通知 60天内仍末接到该项指示时可将单据退回托收银行而不负任何责任

bull 托收不应含有凭付款交付商业单据指示的远期汇票bull 托收指示书中明确且完整地注明需要时代理人的权限bull 对托收费用利息部分付款拒绝证明托收情况的通知等问题具体的规定

bull 银行免责和不可抗力的规定

案例 1 我某外贸公司与某国 A商达成一项出口合同付款条件为 DP45天付款当汇票及所附单据通过托收行寄抵进口地代收行后 A商及时在汇票上履行了承兑手续货抵目的港时由于用货心切 A商出具信托收据向代收行借得单据先行提货转售汇票到期时 A商因经营不善失去偿付能力代收行以汇票付款人拒付为由通知托收行并建议由我外贸公司直接向 A商索取货款 代收行有责任但托收行没有责任要由我出口方直接向代收行追索货款

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

bull 《托收统一规则》 ( 国际商会出版物第 522 号出版物 ) 是托收业务使用的国际惯例

bull 国际商会为调和托收有关当事人之间的矛盾以利商业和金融活动的开展于 1967 年拟定《商业单据托收统一规则》并建议各国银行采用此后国际商会对该规则一再进行了修订并改名为《托收统一规则》

bull 其内容包括总则与定义托收的形式和结构提示的形式义务和责任付款利息手续费和开销以及其他条款等共 26 个条款

URC522 URC522

解释和说明解释和说明

bull 凡在托收指示书中注明按 URC522 行事的托收业务本规则对有关当事人均具有约束力

bull 除非事先已征得银行同意货物不应直接运交银行也不得以银行或其指定人为收货人否则此项货物的风险和责任由发货方承担

bull 银行必须确定所收到的单据与托收指示书所列的完全一致除此之外银行没有进一步审核单据的义务

bull 托收如被拒绝付款或拒绝承兑代收行行必须毫不延迟地向发出托收指示书的银行通知托收银行须在合理时间内对代收银行作出处理有关单据的指示如在送出拒付通知 60天内仍末接到该项指示时可将单据退回托收银行而不负任何责任

bull 托收不应含有凭付款交付商业单据指示的远期汇票bull 托收指示书中明确且完整地注明需要时代理人的权限bull 对托收费用利息部分付款拒绝证明托收情况的通知等问题具体的规定

bull 银行免责和不可抗力的规定

案例 1 我某外贸公司与某国 A商达成一项出口合同付款条件为 DP45天付款当汇票及所附单据通过托收行寄抵进口地代收行后 A商及时在汇票上履行了承兑手续货抵目的港时由于用货心切 A商出具信托收据向代收行借得单据先行提货转售汇票到期时 A商因经营不善失去偿付能力代收行以汇票付款人拒付为由通知托收行并建议由我外贸公司直接向 A商索取货款 代收行有责任但托收行没有责任要由我出口方直接向代收行追索货款

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

解释和说明解释和说明

bull 凡在托收指示书中注明按 URC522 行事的托收业务本规则对有关当事人均具有约束力

bull 除非事先已征得银行同意货物不应直接运交银行也不得以银行或其指定人为收货人否则此项货物的风险和责任由发货方承担

bull 银行必须确定所收到的单据与托收指示书所列的完全一致除此之外银行没有进一步审核单据的义务

bull 托收如被拒绝付款或拒绝承兑代收行行必须毫不延迟地向发出托收指示书的银行通知托收银行须在合理时间内对代收银行作出处理有关单据的指示如在送出拒付通知 60天内仍末接到该项指示时可将单据退回托收银行而不负任何责任

bull 托收不应含有凭付款交付商业单据指示的远期汇票bull 托收指示书中明确且完整地注明需要时代理人的权限bull 对托收费用利息部分付款拒绝证明托收情况的通知等问题具体的规定

bull 银行免责和不可抗力的规定

案例 1 我某外贸公司与某国 A商达成一项出口合同付款条件为 DP45天付款当汇票及所附单据通过托收行寄抵进口地代收行后 A商及时在汇票上履行了承兑手续货抵目的港时由于用货心切 A商出具信托收据向代收行借得单据先行提货转售汇票到期时 A商因经营不善失去偿付能力代收行以汇票付款人拒付为由通知托收行并建议由我外贸公司直接向 A商索取货款 代收行有责任但托收行没有责任要由我出口方直接向代收行追索货款

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

案例 1 我某外贸公司与某国 A商达成一项出口合同付款条件为 DP45天付款当汇票及所附单据通过托收行寄抵进口地代收行后 A商及时在汇票上履行了承兑手续货抵目的港时由于用货心切 A商出具信托收据向代收行借得单据先行提货转售汇票到期时 A商因经营不善失去偿付能力代收行以汇票付款人拒付为由通知托收行并建议由我外贸公司直接向 A商索取货款 代收行有责任但托收行没有责任要由我出口方直接向代收行追索货款

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

案例 2 某地 B公司与国外贸易公司成交一笔业务在交易会上口头商定即期付款 LC 结算签订合同时支付条款规定ldquopayment by draft drawn on buyer payable at sightrdquo另外合同中规定ldquoquality certificate by CCIB at loading port to be taken as finalrdquo B公司按合同规定备妥货物但始终未见买方开来的 LC 于是 6月 20日去电催证但买方复电称合同规定并非 LC 结算是以即期付款交单方式办理托收 B公司随即核对合同发现未明确LC 结算双方几经交涉但由于买方的外汇正在申请中无法在装运期前开立 LC 最后接受买方 DP45天托收并由买方负担 45天的利息 B公司按期装运货物后与 7月 25日交单办理托收并在托收指示书中规定 45天的利息与货款一并收取 9月 20日接到托收行通知该笔托收款已收到但付款人拒付利息 B公司随即发电向买方追究而买方回电说提货后发现货物有部分霉变以未付利息弥补霉变损失 B公司发现买方已提取货物说明代收行早已放单给买方即通过托收行欲向代收行提出责问试问会有怎样结果和教训

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单

提示

签订合同时要慎重合同条款要完整详细和准确

交易行为规范化 关于货物品质的问题

熟悉国际惯例 关于利息 URC522 规定如规定应收取利息 而付款人拒付时除非托收指示书上明确规定利息不得免除提示行可视情况在未收取利息条件下交单