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1、Part Financial Communications,Chapter 9 Banking Communications on Remittance and CollectionsChapter 10 Banking Communications on Letter of CreditChapter 11 Correspondent BankingChapter 12 Credit Inquiry,Chapter 9 Banking Communications on Remittance and Collections,9.1 Mail Transfer Mail Transfer(信汇
2、)是汇出行应汇款人的要求，将付款指示以邮寄的方式转递给汇入行。下面是汇入行写给汇出行的电函，电函中说明因汇出行在信汇委托书上漏写了受益人的账号，故无法解付此款。Re:Your Mail Transfer dated March 10,2005With reference to your captioned mail transfer,we regret to inform you that we are unable to effect payment due to the absence of the account number of the beneficiary in the mail
3、 transfer given.Therefore,we shall appreciate it if you will make us informed about it as soon as possible.We look forward to your early reply.,9.2 Demand DraftDemand Draft(票汇)指的是汇出行应汇款人的申请，代汇款人开立银行汇票，并由汇款人交给收款人，最后通过银行办理托收或直接解付票据款项。下列电函是有关出票行，即汇款行对丢失票据的止付通知。Re:Our Draft No.12345In respect of our dra
4、ft No.12345 which was reported missing,we wish to advise you that our New York Office has placed“stop payment”to the above-mentioned draft as requested.If you want the amount of the draft to be paid by our New Your Office,you may approach them direct with a Bankers Letter of Indemnity acceptable to
5、them.,9.3 Telegraphic TransferTelegraphic Transfer(电汇)是汇出行应汇款人的申请，通过SWIFT指示和授权汇入行解付一定金额给收款人的汇款方式。Re:Your Telegraphic Transfer on May 5,2006With reference to your captioned telegraphic transfer,we find that there is no account number of the beneficiary.Please look at the matter and make us informed t
6、he result.9.4 Accounts Intercourse账户往来分为银行之间和银行与客户之间两种情况。(1)银行帮助客户办理销户并转移资金的电函。Re:Transfer of Grays Account#AO 1234Enclosed are savings passbook#AO1234 and customers draft#B 5678 in the name of Sam Gray.Please close the account and forward the principal balance plus any accrued interest to OVERSEAS
7、CHINESE BANK CORP.,LTD.A postage paid envelope is enclosed for your convenience.We thank you for your assistance in this matter.,(2)银行通知客户关闭支票账户。Re:Your Unused Cheques Nos.33478&33479 for Closing Your A/CAccording to our regulations,our customers should return all the unutilized blank cheques to us
8、for cancellation before closing their checking accounts in our books.We shall appreciate it if you will send back to us the unused cheques in connection with your account No.33671 so that we can remit the balance to your account with ABC Bank,New York.We thank you for your cooperation.,(3)银行通知客户账户透支
9、并帮助客户申请信用额度。Re:Your Account 12345 OverdrawnThe amount of your account overdrawn at close of business yesterday was USD2000 and it will be appreciated if you could arrange for credits necessary to clear this balance as soon as possible.Overdrafts are allowed to customers only by previous arrangement,
10、and we notice that your account runs on a very small balance.You may need to come to some arrangement for overdraft facilities.If so,please bring with you details of the contracts you mentioned and also a copy of your last audited balance sheet next week,and we can then go more fully into the questi
11、on of overdraft facilities.,(4)请求在对方银行开立一个人民币账户。Re:Opening a Renminbi AccountIn recent months,we have been asked to open an increasing number of letter of credit denominated in Renminbi by our clients.In this regard,we feel that rather than asking you draw in USD on our New York correspondent in rei
12、mbursement of each negotiation,it may be simple for us to open a Renminbi account with you and to give you the authority to fund the account by drawing on the FIRST SAUDI BANK,New York in certain amount of US currency when funds are required.Negotiations under our Renminbi letter of credit can then
13、be debited to the account in your books.If you deem this arrangement acceptable to you,we will give you the necessary authority to draw on the said FIRST SAUDI BANK,New York,whom we shall authorize to honor your drawings.We anticipate to receive your early favorable reply.,(5)有关我们银行账户(12345)的对账单。Re:
14、Statement of Our A/C No.12345As your statement of our captioned account ending November 30 does not indicate particulars for the amount US$7,360 and US$6,830 of November 17 and 23 respectively on the debit side,we are not able to trace them in our records.We shall be much obliged if you will advise
15、us of nature of these transactions and our reference number so that we can do the needful on our part.(6)有关我们金额为100 000美元的借记通知(56789)。Re:Our Debit Advice No.56789For USD100,000With reference to the captioned debit advice claiming cable charges from you through City Bank,we regret to state that owing
16、 to an oversight on our part the above claim was lodged on you by mistake.Now that City Bank has reversed the entry at our request,you may consider our said debit advise as null and void.We apologize for inconvenience you might have been caused in the matter.,9.5 Letters on CollectionsSample 1Your C
17、ollection No.3456-02We are in receipt of your captioned collection along with the relative documents,which have been duly forwarded to the drawees.In this connection,we have been today informed by our clients that they disagree to make payment for the reason that the bill of lading under the collect
18、ion bears“tank at one end slightly rusty outside.”They will,however,effect payment upon arrival of the goods according to their actual condition.,Sample 2Coll.No.56708 dated May 2,2003Our client,G&T Co.，Ltd.,asks you to change the drawees of the captioned collection to BB Chemicals In.,New York.We a
19、ccordingly enclose herewith the new documents made out in the name of the new drawees.Draftin duplicateInvoicein triplicateWeight Listin triplicateInspection Cert.in duplicatePlease return to us at your earliest convenience the documents previously sent to you.We look forward to you early attention
20、to this matter.,Sample 3Return of Document underOur Coll.No.OC-03-6781We thank you for returning the unpaid documents under the captioned collection along with your letter dated June 23,2003 which have been duly notified to the drawers.To close this item,please arrange with the payers to return,at o
21、ur expense,the relative parcel to the drawers under their advice to us.As instructed,we have today remitted your handing charges of USD116.500 to Bank of China,Hong Kong for your account.We appreciate your kind assistance and look forward to your reply.,Sample 4Payment of Your Coll.No.223372Through
22、ABC BankReferring to your enquiry dated May 21,2003,we have the pleasure of informing you that the said collection was already paid and the proceeds were remitted to your account with Credit Lyonnais in Paris on June 13,2003.Enclosed is a copy of our relative payment order for your reference.We cons
23、ider this item as closed now.Please approach the above bank direct,if you still cannot trace receipt of payment.We expect further cooperation with you in the future.,Sample 5Our Documentary Collection No.DC5348 for USD7,430.00 Drawn by P&T Co.,Hong KongWe wish to draw your attention to the fact that
24、 this collection remains outstanding in our records.You are requested to investigate the matter and inform us of the present status of this item.If you have already sent report to us,which should reach us after the date of this tracer,please disregard this request.We thank you in advance for your co
25、operation in this matter.,Chapter 10 Banking Communications on Letter of Credit,10.1 Letters between BanksSample 1Our T/T Claim for USD15,960.00 under Your L/C No.37086-T-63Reference is made to the credit advice No.R-45368 from our New York Office in settlement of the above claim.We have found that
26、our account has been credited with a USD15,510.00 which is USD450 less than our claim.We would request you to kindly look into the matter and pay the difference of the said USD450 to our account under advice to us.We thank you for your kind cooperation in this regard.,Sample 2Our BP No.402471 For US
27、D73,450Under Your L/C No.14-3165We acknowledge receipt of your Credit Advice under the captioned item.However,upon checking it,we found a difference between the amount of your credit advice and the amount of our payment as shown below:Amount of your Credit Advice:USD71,450Amount of our payment:USD73
28、,450We shall very much appreciate it if you will look into your records and give us any information on how the difference came about.We anticipate to receive your early reply.,Sample 3Your L/C No.T-93401 for DM35,705.00 in Favour of BBB Shoes Factory,GuangzhouWe have received your captioned L/C and
29、delivered it to the beneficiary today.We,however,should like to point out that,the description of the merchandise stated in the L/C indicates that an import licence is an integral part of the credit.We did not find it enclosed.Kindly look into the matter and rush it to us,unless you have dispatched
30、one to us before your receipt of this letter.,10.2 Letters on Credit Operations信用证通知行在收到开证行发来的信用证后，会立即准备一份信用证通知函给受益人。(1)信用证通知书。We enclosed herewith the original and one copy of the captioned Irrevocable Letter of Credit.We enclose the original of their Letter of Credit in your favor.We confirm this
31、credit and thereby undertake that all draft(s)drawn and presented as specified in the original credit will be duly honoured.Dear Sirs,We are pleased to acknowledge receipt of your:Irrevocable Letter of Credit No.123456Issued on May 5,2006For the amount of USD60,000In favour of the beneficiary:ABC Co
32、.,And wish to inform you that as requested,we have delivered the original Credit to the beneficiary and have retained the duplicate in our file.We thank you for your entrusting this business to us.(2)就受益人要求保兑信用证事，查询开证行可否照办。The beneficiary of the captioned Letter of Credit has asked us to add our con
33、firmation thereto.Kindly inform us by airmail/cable as soon as possible whether we may comply with this request.We await your reply and wish to assure you of our desire to be of your service at all times.(3)函告仅接到信用证修改书而未接到信用证正本。Although we have informed the beneficiaries of this amendment on the str
34、ength of the duplicate,we have not received the original letter of credit.Thus we would request you to kindly investigate the matter and reply to us.,(4)告来证漏打开证日期，请确认。We thank you for the credit above which has just reached us.We find,however,that the date of issue of this credit does not seem to be
35、 indicated.Will you please advise us of the date promptly.(5)更正原简电信用证上的到货港。Enclosed herewith a clarification to the above-mentioned brief cable which shows“shipment from Hongkong to Shanghai”and“partial shipments not allowed”.We hereby confirm shipment should be“from Hongkong to Shenzhen”and“partial
36、 shipments allowed”as stated in this confirmation.This confirmation is an independent instruction.,(6)告信用证遗失。We have been notified by the beneficiaries of the captioned credit that the original instrument of the credit,advised by us,has been lost.You are,therefore,hereby requested to mark your recor
37、ds and take due notice of not effecting negotiation against the original one.In substitution for the lost credit,we have delivered them a verified copy which is marked:“This copy is intended to replace the original credit which has been declared lost”.Your kind attention to this matter will be deepl
38、y appreciated.(7)函告信用证编号有误。We refer to your letter of amendment dated Feb.12,1988 with the following text in confirmation of your cable of the same date:CREDIT NO2151 SHIPMENT AND NEGOTIATION DATES EXTENDED TO 3/10/1988 and 13/11/1988 RESPECTIVELY.In view of the fact that the credit number mentioned
39、 in your cable of Feb.15,1988 is 2115 and that the beneficiariess name and the amendment are identical with those of your credit No.2115,we have pass on the amendment to the beneficiaries taking 2115 as the correct credit number.,(8)函告信用证修改书的受益人名称与原信用证不符。It has come to attention that the beneficiary
40、s name(address)as given in your letter of amending the subject credit differs from that mentioned in the original letter of credit.We have,however,refrained from furnishing the beneficiary with notice of correction in this respect,as it appears to us that the beneficiarys name(address)as given in th
41、e original credit is correct.Please inform us immediately if you have any objection in this respect.(9)信用证条款不全，可撤销还是不可撤销。We wish to point out that the above letter of credit as received does not show whether the credit irrevocable or not.Please,therefore,clarify this matter by return mail or,if you
42、think it necessary,by cable.To avoid delay,we have advised the beneficiary under reserve as per the enclosed copy of our advice.,(10)信用证金额大小写不符，函请更正。We wish to call you attention to the credit above which we have received from you and delivered to the beneficiary today.The instrument shows the credi
43、t amount as.in figures,whereas the credit amount spelt out read“.”.Your prompt clarification would be highly appreciated.(11)信用证常见的修改条款。Please add your confirmation to this Credit,confirmation charges,if any,are for account of buyer/seller.Shipment and validity extended to.and.respectively.Beneficia
44、rys name and address changed to read.instead of previously advised.Increase(decrease)credit amount by.to.Please amend the price term to be on F.O.B.basis,freight to be paid by buyer.Description of commodity changed to read“.”instead of previously advised.,Increase(decrease)the quantity of commodity
45、by.to.Shipment to be made per s/s“.”instead of“.”.Insurance covering marine risk.instead of.Shipment to be made from.to.instead of original stated.Partial shipment allowed.Transhipment allowed.This L/C is transferable.All charges for this amendment including ours are for account of the beneficiary,o
46、ur charges USD20.00 will be deducted on payment against the credit.Documents to be presented within 20 days after the date of issuance of shipping documents instead of previously stipulated.B/Ls made out(to order of).instead of previously stipulated.Delete the clause“.”.The Clause:“.”deleted.Insert
47、the clause“.”.,(12)信用证转让通知书。ADVICE OF TRANSFER OF COMMERCIAL CREDITTo Messrs.Re:Irrevocable Credit No.Issued by:In favour of For account of and/or transfereeDear Sirs,We are instructed by beneficiary(ies)of the above-mentioned Letter of Credit,under date of.that the amount of.has been transferred to
48、 you under the said credit,particulars of which are as per attached Photostat of the subject credit are letter of transfer.This letter is to be attached when bills are presented.The amount of each bill negotiated under this Credit must be endorsed on the back hereof.Please note that this letter is s
49、olely an advice and convey no engagement by us,and also note that any amendment to this advice shall be advised to you only upon,and in accordance with,the instructions which we receive from the original beneficiary(ies).Kindly acknowledge receipt of this letter by signing and returning to us the at
50、tached copy of this letter.,(13)应受益人要求撤销信用证。We are in receipt of a letter dated MAY 15,1989 from the beneficiaries returning the captioned L/C to us for cancellation.A photo-copy of their said letter together with the original L/C and amendment(s)are enclosed herewith for your attention.,Chapter 11
