索汇指示(payment instruction)
目录 |
索汇指示也称索偿指示,是议付行对开证行(偿付行)怎样交款的指示。对方应当照该指示办理。选用恰当的索汇指示可以避免迂回索偿,并能从时间上和空间上相对缩短议付行与国外业务发生间的账户距离以达到及时索偿的目的。
不论采用的是电索还是信索,信用证方式下的索偿行都应向对方银行发出索汇指示。索汇指示中索汇路线的设定除了考虑信用证中开证行的特殊指示以及结算币种外,还需考虑银行间的账户设置情况。
(一)当索偿行或其总行在对方银行设有账户时,索汇指示通常为:
Please Credit our a/c OF our H.0.a/c with you under your advice to US.
(二)当对方银行在索偿行或其总行有账户时,索偿指示通常为:
Please authorize us to debit your account with US or our Head office.
(三)当索偿行与付款银行无直接的账户关系,但都在某一代理行设有账户时,索汇指示常常为:
Please authorize XX bank to debit your a/c and credit our a/c with them under their advice to US.
(四)当双方银行没有直接的账户关系时,索汇行有的通过在对方的代理行,有的通过海外联行,有的则通过总行在国外的代理行划转款项。这不仅取决于各银行国外代理行以及联行的设置情况,也取决于各行总行业务管理的需要。假定索汇行为中国银行天津分行,
1.如当时结算币种为港币且在香港有代理行时,则索偿指示为:
Please pay the proceeds to the American Bank,HK Branch for credit of our a/c no.with them under their advice to US.
2.如结算币种为美元且在纽约设有海外联行时,则索偿指示为:
Please remit proceeds by SWIFY/Telex quoting our ref.And a/c no.to Bank of China,New York for credit of Oill"a/c with them under your advice to us,and kindly request them to advise US by authenticated SWIFT/Telex.
3.如结算币种为欧元且通过总行的代理行时,则索偿指示为:
Please pay proceeds to Deutsche Bank Franfurt for credit of Bank of China H.O.a/c no.in favour of US quoting our ref.no.under your advice to us.
(五)通过美元清算系统划转款项
由于世界经济活动中大多数的交易都采用美元计价、结算,因此银行在进行美元索汇时,除了可以利用各银行在美国当地开立的联行或者代理行的账户直接收账外(如上述第三种情况),还可以考虑通过美元清算系统划转款项。如:
Please pay the proceeds to Citi Bank,New York by CHIPS ABA no.for credit ofOur a/c UID no.under their advice to US.
Please pay the proceeds to the Chase Manhattan Bank,New York by Fedwire for creditof OUF a/c no.with them under their advice to us.