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1、單證電文處理及業(yè)務(wù)風(fēng)險提示二零零八年六月五日省行國際業(yè)務(wù)部蔡丹玲內(nèi)容概覽第一部分單證業(yè)務(wù)電文處理一、單證業(yè)務(wù)電文編寫要點介紹二、單證業(yè)務(wù)電文處理注意事項第二部分單證業(yè)務(wù)電文錯報分析第三部分單證業(yè)務(wù)風(fēng)險提2單證電文處理及業(yè)務(wù)風(fēng)險提示3.單證電文處理—電文編寫要點介紹一、電文編寫要點介紹1.直接切入主題2.突出客觀主體3.簡潔為美要點1、直接切入主題(突出發(fā)報目的)建議:開門見山提出問題/觀點/要求例1:業(yè)務(wù)背景:出口寄單收匯業(yè)務(wù)電文經(jīng)辦行在3月2日向開證行寄單收匯,并于當(dāng)日按信用證條款規(guī)定向償付行
2、紐約東京三菱銀行(BOTKUS33)進(jìn)行電索。3月13日,經(jīng)辦行收到償付行來電,稱未收到開證行授權(quán),所以不能付款給索匯行。經(jīng)辦行經(jīng)查明,開證行已于3月6日收妥單據(jù)。因此,擬向開證行發(fā)送MT799電文,要求其授權(quán)償付行向我行付款。經(jīng)辦行編寫的電文內(nèi)容如下:4.電文編寫要點介紹(MT799)20:190BP08000000121:123456779:TOPURGENTRE.OURDOCUMENTSREF.NO.190BP080000001FORUSD17600DDMAR.2,2008UNDERYOURL/
3、CNO.12345675電文編寫要點介紹-直接切入主題PLSBEINFORMEDTHATWEHAVESENTTHEABOVEMENTIONEDDOCUMENTSTOYOURGOODBANKONMAR.2,2008BYDHLCOURIERSERVICECO.ANDWEHAVECLAIMEDREIMBURSEMENTTOTHEREIMBURSINGBANK-BANKOFTOKYOMITSUBISHIUFJ,LTD,THENEWYORKBYAUTHENTICATEDSWIFTINTHESAMEDAYASPER
4、L/CSTIPULATED.6電文編寫要點介紹-直接切入主題WEHAVELANDEDTHEDHLCOMPANY'SNETWORK,ANDWEFOUNDTHATYOUHAVERECEIVEDTHEDOCUMENTSONMAR6,2008.BUTWEHAVERECEIVEDAMT799FROMTHEREIMBUSINGBANKDDMAR.13,2008,THEYTOLDUSTHATTHEYCANNOTHONOURUSFORTHEREASONOFNOTHAVINGGOTANAUTHORIZATIONFROMY
5、OU.SINCEWEHAVENOTRECEIVEDANYREFUSALADVICEUPTONOW,ACCORDINGTOUCP6007電文編寫要點介紹-直接切入主題ART.16,YOUAREPRECLUDEDTOCLAIMTHATTHEDOCUMENTSCONSTITUTEADISCREPANCY.INORDERTOSETTLETHISMATTER,YOUSHOULDAUTHORISETHEREIMBURSINGBANKTOPAYTOUSIMMEDIATELY.THANKYOUFORYOURKINDCO
6、-OPERATIONINTHISMATTER.B.RDS.EXPORTLCDEPT.8電文編寫要點介紹-直接切入主題修改1:PLSBEINFORMEDTHATWEHAVECLAIMEDREIMBURSEMENTTOTHEREIMBURSINGBANK-BANKOFTOKYOMITSUBISHIUFJ,LTD,THENEWYORKBYAUTHENTICATEDSWIFTONMAR.2,2008ASPERL/CSTIPULATEDBUTWEHAVERECEIVEDAMT799FROMTHEREIMBUSIN
7、GBANKDDMAR.13,THEYTOLDUSTHATTHEYCANNOTHONORUS-FORTHEREASONOFNOTHAVINGGOTANAUTHORISATIONFROMYOU.……….9電文編寫要點介紹一直接切入主題例2.開證行承兌了單據(jù),承諾于某個日期付款,但過了到期日,我行卻還沒有收到對方付款。經(jīng)辦行擬寫的電文內(nèi)容如下:YOUHAVECONFIRMEDTHATYOUWOULDEFFECTPAYMENTTOOURHEADOFFICE(SWIFT:ABOCCNBJ)A/CHELDWITHW
8、ACHOVIABANKN.A.,NEWYORK(SWIFT:PNBPUS3NNYC)ONMATURITYDATE,I.E.MAY08,200810電文編寫要點介紹一直接切入主題ONYOURACCEPTACEADVICEONAPR.8,BUTWEHAVENOTRECEIVEDTHEPROCEEDSUPTONOWYOUSHOULDINVESTIGATETHISMATTERIMMDEDIATELYANDEFFECTPAYMENTTOUSWITHO