First, the object, conditions and types of remittance.
(1) All domestic organs, organizations, schools, enterprises and institutions (including foreign-invested enterprises) and individuals may apply to the local Industrial and Commercial Bank of China for foreign exchange remittance.
(2) Foreign organs, organizations, enterprises, individuals and overseas Chinese may entrust local industrial and commercial banks that engage in foreign exchange business to handle remittances to China.
(3) When handling remittance, the remitter shall provide relevant approval and certification documents to the bank in accordance with the relevant provisions of the State Administration of Foreign Exchange and other departments.
There are three ways to remit money: telegraphic transfer, letter transfer and draft.
(5) Fees charged according to the standard.
Two. remittance
(1) remittance application.
1. When the remitter entrusts our bank to handle the remittance, he must fill in the remittance application form, which is the basic basis for the bank to handle the remittance and also the responsibility contract between the remitter and the bank.
2. The remitter should write a clear remittance application (preferably typed in English, and Chinese can be used in Hong Kong and Macao), indicating the remittance method, remittance amount (including foreign currency symbols), name and address of the remitter, and name and address of the payee (including country name and city name, etc.). ), if the income account is used, the full name, address, account number and account name of the bank should be indicated. If there is a postscript, it must also be filled in. In addition, it should also indicate who will bear the relevant expenses abroad.
3. Foreign-invested enterprises can directly apply to the bank and submit import invoices, bills of lading or other documents when remitting depositors' money abroad. If the payment is made in advance and the above-mentioned documents cannot be provided, it shall be reported to the local foreign exchange administration department for approval in advance, and then the import verification procedures shall be handled after import. If the remittance is beyond the normal business scope (such as profit remittance, capital transfer, funds needed by overseas institutions, foreign investors' share of capital contribution after liquidation, etc.). ), it should be reported to the local foreign exchange administration for approval before applying to the bank.
(2) Before remittance, the bank should carefully examine it.
1. Whether the remittance complies with relevant regulations and whether relevant approval documents are complete.
2. When using the foreign exchange quota for remittance, in addition to holding the Foreign Exchange Quota Distribution Form issued by the local foreign exchange administration department, you should also bring your own RMB equivalent. The remittance application form and the foreign exchange quota transfer form must be consistent and complete with the equivalent RMB, and there must be no mistakes or omissions.
3. When using our cash deposit to remit money, you should show the withdrawal slip and remittance application form filled out by the remitter, and our bank will check the seal and balance.
4. When the handling bank receives the foreign exchange declaration form indicating the use of foreign exchange by overseas personnel, it shall temporarily store it in the "temporary payment" account. When overseas personnel arrive, the handling personnel shall check their certificates (passport, ID card, work permit, letter of introduction, etc.). ) and meet the requirements before going through the remittance formalities.
5. When a foreign correspondent bank entrusts our bank to handle remittance, it will check whether the secret codes of the entrusted letters and telegrams are consistent. After the position is finalized, it will deduct the remittance fee and transfer the balance.
(3) Handling of remittance
The bank shall notify its agent bank (remitting bank) to remit the remittance according to the requirements of the remitter. Banks and their agents are not responsible for faults that do not belong to them, such as postal delay, loss, telegraph transmission errors, etc.
1. telegraphic transfer
(1) Prepare the telegraphic transfer voucher and telegraphic transfer draft in triplicate (one is sent to the post office, one is kept for calculation, and the other is filed or attached with a summons). Telegrams must be shelved and examined before they can be sent.
(2) Main points of telegram content
Words should be concise, clear and complete. Choosing an agent bank should be appropriate. Position payment should be timely. Its specific contents include the following points:
(1) Generation date.
② remittance number.
(3) Telex number (registered telegram), bank name and address of receiving bank (paying bank).
(4) The name, address or account number of the payee, and the name and address of the bank where the account is opened.
⑤ Name, address or account number of the remitter.
⑥ Currency and amount of remittance.
⑦ position repayment clause.
⑧ Remittance postscript.
Pet-name ruby remittance bank telex number (cable registration).
(3) If an agent bank with no account relationship with our bank is entrusted to remit the remittance position, the third-party bank with account relationship with our bank should also send another telegram to the account opening bank to instruct the allocation of the position, and prepare a credit notice to confirm the remittance on behalf of the telegram, and keep one copy as a summons.
Remittances made through the clearing center shall be handled in accordance with the relevant provisions on the management of foreign exchange funds.
2. Mail transfer
(1) Writing points of remittance power of attorney.
① remittance number and remittance date.
② The name and detailed address of the paying bank.
③ Currency and amount of remittance.
(4) The name, address or account number of the payee, and the name and address of the bank where the account is opened.
⑤ Name, address or account number of the remitter.
6 remittance postscript.
⑦ position repayment clause.
(2) The purpose of the letter transfer power of attorney
(1) If a bank with an account relationship with our bank is entrusted to remit money, the first copy shall be signed by the authorized signatory and sent to the remitting bank for payment.
(2) When entrusting a bank with no account relationship with the Bank to remit money, it is necessary to transfer the remittance position through a third-party bank with account relationship with the Bank. In addition to filling in the remittance power of attorney, you need to prepare a set of credit notice, which is signed by the authorized signatory and sent to the bank, and the bank will allocate positions accordingly.
Remittances made through the clearing center shall be handled in accordance with the relevant provisions on the management of foreign exchange funds.
3. Airline remittance
(1) There are five forms of ticket exchange for each coupon, of which the first coupon is a positive coupon, which is signed by the authorized signatory of the bank and handed over to the purchaser for withdrawal; The second copy is the bill remittance notice (or ticket stub), which is signed by the bank and sent to the paying bank; The third is the bill transfer credit summons for bookkeeping; The fourth is the debit voucher for bill transfer for bookkeeping; The fifth contact is the bill remittance card account for write-off.
(2) the main points of the draft
The draft drawn shall be neat and tidy, and shall not be altered, and shall include the following items:
① Name of issuing bank and signature of authorized signatory.
② Name of the paying bank.
③ Date of issue.
④ Currency and amount, expressed in words and figures.
⑤ Name of payee.
6. Validity period (valid for six months).
⑦ position repayment clause.
The paying bank should be our bank.
4. Remittance refund for wire transfer and letter transfer.
The occurrence of foreign exchange withdrawal comes from two aspects First, the payee refused the remittance, put forward a refusal opinion, and the remittance bank returned the original money. At this time, the remitter will return the remittance receipt from the bank and issue a certificate to retrieve the remittance; Second, the remitter changed his plan and offered a refund. The remitting bank can send a letter (electricity) to the paying bank to contact the remittance for refund according to the requirements of the remitter. If the paying bank fails to pay, it may be required to return the remittance. If the paying bank has paid the remittance, the remitting bank can only notify the remitter to collect the remittance after the paying bank has obtained the consent of the payee and completed the refund procedure to return the remittance to the remitting bank.
5. Refund and loss reporting of bills of exchange.
To refund a bill of exchange, it is necessary to return the original (first copy) of the bill of exchange to the collecting bank for refund procedures.
Reporting the loss of a bill of exchange means that it is lost in the mail or for other reasons. The remitter should send a letter to the bank requesting to report the loss and stop payment. The remitting bank will write to the (electric) paying bank to explain the loss reporting and request to stop payment. After the remitter agrees, the remitter's unit will issue a letter of guarantee to ensure that the original bill is withdrawn by the bona fide holder, and the original bill will bear the economic responsibility. After the remitter agrees, the original bill can be returned or a new bill can be issued.
Three. inward remittance
(1) remittance principle.
Under normal circumstances, the principle of receiving first and paying later is adopted for inward remittance, that is, the payment formalities can only be completed after pressing the external account credit notice (or the remittance bank account immediate debit notice).
1. If the payee is a foreign-invested enterprise, it can be directly transferred to the foreign exchange deposit account, and the rest units should settle foreign exchange. If you want to transfer your foreign exchange deposit account, you need the approval of the foreign exchange management department before you can handle it.
2. If the payee is an individual, it can be converted into RMB according to the foreign exchange rate of the day, and a remittance voucher will be issued according to the regulations; If a deposit is needed, it will be handled, and foreign currency can be paid after a certain period of time.
(2) Requirements for remittance:
1. Need to check whether the payee has enough documents to prove his identity. After verification, the payee is requested to sign or seal the original and back receipt of the draft, endorse the back of the draft, and indicate the voucher number in detail on the back of the receipt or draft. The unit voucher can be kept as an attachment to the summons for future reference.
2. If the payee can't come to the bank to collect it in person, he may entrust others to collect it on his behalf. However, in addition to the payee's certificate and seal, the payee should also show his own certificate. The payee should sign and seal the receipt or bill of exchange, and the receipt should also indicate the payee's ID number.
3 remittance payment, strictly grasp and implement the principle of "who pays". When remitting money, carefully check the documents and act according to the rules to prevent impersonation and mistakes, which are safe and accurate, and pay attention to confidentiality.
(3) Handling of inward remittance
When you receive foreign remittances, you must do it: do it at any time and solve it at any time; In particular, the wire transfer is required to be completed on the same day, and no later than two working days. Foreign correspondence inquiries should be answered as soon as possible, and there should be no backlog. An especially urgent telegram should be answered immediately.
1. telegraphic transfer
After receiving the telex and telegram from the remitting bank, the handling bank shall first register the number in the remittance register, and then further check the following contents:
(1) Check whether the remittance bank's name, location, power generation date, payee, currency name and amount are clear and whether the passwords are consistent. The allocation method of remittance position should be acceptable to our bank.
(2) Check whether the inward remittance register has not been processed to prevent repeated processing.
(3) After examination, the inquiry part and the position part shall be handled separately, and the "Remittance Notice" shall be filled in. Notify the payee immediately after the position is assigned.
(4) If the payee is in a different place, he may entrust a foreign correspondent bank or other bank to remit money.
2. Mail transfer
The remittance can be handled according to the procedure of telegraphic transfer.
3. Airline remittance
(1) When drawing money with the draft issued by our bank, the payee should pay after checking the drawer's seal, the date and validity period of the draft, the payment amount, the payee, endorsement and other contents (if there is a ticket stub, it should be checked with the ticket stub).
(2) The foreign correspondent bank entrusts our bank to remit the remittance, and its position repayment method is to use the draft as the beneficiary. We can raise funds from abroad. After receiving the position, or if the bank has an account with us and we are authorized to debit the account immediately, we shall immediately notify the payee to withdraw money.
(3) The issuing bank sends the draft directly to our bank, which forwards it to the payee. After receiving this draft, our bank should send it to the payee and ask him to endorse it before settlement.
(4) A foreign correspondent bank sends a bill of exchange with a foreign bank as the drawee and a foreigner in China as the payee. We can find out the payee's address according to the face letter of the agent bank or the payee's account number indicated on the draft, send a letter to inform the payee indicated on the draft, ask him to come to the bank to collect the draft, identify himself on the spot, go through the collection procedures, and hand over the draft to others for handling.
(4) Handling of foreign exchange refund
1. If the payee requests or needs to refund the remittance because the payee has returned to China, our bank must return the remittance power of attorney to the remitting bank (in case of wire transfer, notify the remitting bank by charge telegram).
2. If the remitting bank requests to refund the remittance, it shall first check the seal or password of the remittance refund notice to find out whether the remittance has been paid, and if it has not been paid, it shall be revoked; If the remittance position has been withdrawn, the remittance bank shall be withdrawn and a ticket stub or remittance power of attorney shall be sent.
3. If the remittance has been paid, the consent of the payee should be sought before the remittance is refunded. When withdrawing foreign exchange, if the foreign exchange has been settled, it should be transferred back to the paid RMB at the quoted price on the original settlement date, and a handling fee of 1‰ will be charged by the remitting bank.
4. The principle of remittance refund:
(1) A domestic foreign exchange bank shall handle the remittance refund formalities in time when it accepts the letter, phone call or notice from the remitter.
(2) the payee leaves; Or the name and address are unknown, and it is still impossible to pay after many investigations; Or if the payee has died and there is no legal heir to collect the money, the remittance bank may notify the remittance bank to refund the money after inquiry and contact.
(3) If the payee refuses to accept the remittance and asks for a refund, he should publicize the remittance policy to the parties concerned and politely persuade them to stop the remittance. If the problem cannot be solved through ideological work, it is necessary to consult the remittance bank, which must solicit the opinions of the remitter and the remitter agrees to refund the remittance.
(four) remittance does not belong to the above three situations, the remittance bank shall not take the initiative to return.
(5) Measures for stopping payment of bills of exchange.
1. After receiving the remittance notice from the remitting bank, the remitting bank shall immediately find out whether the draft has been paid. If the payment has not been made, the remitting bank shall be registered to stop the payment, and the remitting bank shall be informed of the non-payment at the same time, and the remittance position shall be handled by the remitting bank. If it has been paid, it should immediately reply to the remittance bank "the ticket has been paid".
2. For the remittance that has been registered to stop payment, if someone prompts for payment, the remittance will not be paid without the consent of the remittance bank.
Fourth, others.
(1) These Measures are formulated by the head office of Industrial and Commercial Bank of China, with the same interpretation and revision.
(2) Branches of all provinces, autonomous regions and municipalities directly under the Central Government and branches of cities under separate state planning may formulate detailed implementation rules according to these Measures.