SWIFT报文标准在支付业务中的应用汇总课件.ppt

1、2022-6-22SWIFTSWIFT报文标准报文标准在在支支付业务中的付业务中的应应用用运营服务总部（收付清算）运营服务总部（收付清算）20112011年年6 6月月2121日日1标准用户社群通讯平台2Category 1 客户汇款与支票CUSTOMER PAYMENT & CHEQUESCategory 2 银行头寸调拨FINANCIAL INSTITUTION TRANSFERSCategory 3 外汇买卖、货币市场及衍生工具FOREIGN EXCHANGE, MONEY MARKETS & DEVIRATIVESCategory 4 托收COLLECTIONS & CASH LETT

2、ERSCategory 5 证券业务SECURITIES MARKETSCategory 6 银团贷款和贵金属业务PRECIOUS METALS & SYNDICATIONSCategory 7 跟单信用证和保函DOCUMENTARY CREDIT & GUARANTEESCategory 8 旅行支票TRAVELLERS CHEQUESCategory 9 银行和客户账务CASH MANAGEMENT & CUSTOMER STATUSCategory 0 SWIFT系统报文SYSTEM MESSAGES 3客户汇款银行头寸调拨银行账务银行费用交流内容交流内容4客户汇款客户汇款 MT103单

3、笔客户汇款4报文由汇款行或接受汇款委托的银行直接或通过代理行发送给另一家银行，用来发送付款指令的报文格式。MT103单笔客户汇款4StatusTagField NameContent/OptionsM20Senders Reference16x- O13CTime indication/8c/4!n1!x4!n-| M23BBank Operation Code4!c- O23EInstruction Code4!c/30 x-| O26TTransaction Type Code3!aM32AValue Date/Currency/Interbank SettledAmount6!n3!a1

4、5dO33BCurrency/Instructed Amount3!a15dO36Exchange Rate12dM50aOrdering CustomerA 、K or FO 51ASending Institution/1!a/34x4!a2!a2!c3!cO52aOrdering InstitutionA or DO53aSenders CorrespondentA,B or DO54aReceivers CorrespondentA,B or DO55aThird Reimbursement InstitutionA,B or DO56aIntermediary Institution

5、A,C or DO57aAccount With InstitutionA,B,C or DM59aBeneficiary CustomerA or no letteroptionO70Remittance Information4*35xM71ADetails of Charges3!a4O71FSenders Charges3!a15d-|O71GReceivers Charges3!a15dO72Sender to Receiver Information6*35xO77BRegulatory Reporting3*35xO77TEnvelope Contents9000zM=Manda

6、tory O=Optional5案例一Bike 4U是的苏黎世的自行车进口商，该公司向纽约一家大供应商Silver Wings订购了一批儿童踏板车。Bikes 4U的账户行为苏黎世的UBS AG（UBSWCHZH），Silver Wings的账户行为纽约Citibank（CITIUS33)。Bikes 4U指示其账户行将款项汇到收款人的账户行，汇款金额为USD99,000，发票号码为6789。6 Bikes 4U, Zurich UBSWCHZH CITIUS33 Silver Wings, New YorkMT103750a：汇款人选项50A /34x 4!a2!a2!c选项50F 35x

7、4*35X选项50K /34x 4*35X850a：汇款人格式一： /34x 1!n/33x格式二： 4!a/2!a/27x 1!n/33x选项50F 35x 4*35X10数字代码：1 付款人名称2 地址3 国家和城市4 生日5 出生地6 客户识别号码7 公民身份号码8 附加信息代码词：ARUN 国外注册号CCPT 护照号码CUST 客户识别号码DRLC 驾照号码EMPL 雇主号码IBEI 国际商业实体标识NIDN 公民身份号码SOSE 社会保险号码TXID 纳税标识号码950F：/12345678 1/SMITH JOHN 2/299，PARK AVENUE 3/US/NEW YORK，N

8、Y 10017 50F：DRLC/BE/BRUSSELS/NB0949042 1/DUPONT JACQUES 2/HIGH STREET 6，APT 6C 3/BE/BRUSSELS 50F：CUST/DE/ABC BANK/123456789/8-123456 1/MAIN GEORG 2/LOW STREET 7 3/DE/FRANKFURT 8/7890 1059a：收款人选项59A /34x 4!a2!a2!c选项59 /34x 4*35XSender UBSWCHZHMessage Type 103Receiver CITIUS3311M Senders reference 20:

9、PAY/001M Bank Operation Code 23B:CREDO Instruction Code 23E:PHOB/2124551800M Value Date, Ccy, Interbank Sett Amt 32A:110313USD99000,M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHM Beneficiary Customer 59: /1234567890 SILVER WINGS 42ND STREET NEW YORK, NY 10022O

10、Remittance Information 70: /INV/6789M Details of Charges 71A: SHA TRAILER(S)1223E：指示代码CHQB 通过支票付款。使用CHQB，59栏位不能放入账号。CORT 公司之间贸易结算的付款。INTC 同一集团内部两个公司之间的付款。SDVA 付款日也是起息日。汇款必须在同一天交到收款人手里。HOLD 前来取款，验明身份后付款。REPA 是关于电子支付参号下的付款。PHON 请电话通知帐户人。PHOB 请电话通知收款人。PHOI 请电话通知中间行。TELE 请用最有效的通讯方式通知帐户行。TELB 请用最有效的通讯方式通

11、知收款人。TELI 请用最有效的通讯方式通知中间行。 1370：汇款信息格式：4*35x代码词INV 发票信息，后跟日期、参号和发票详情。IPI 标识相关国际付款指令的唯一参号RFB 收款人参号ROC 汇款人参号TSU TSU交易参号，代码字放在两个斜线之间，后跟发票号、单斜线、支付的金额。14假设进口商Bikes 4U指示UBS AG, Zurich向出口商Silver Wings支付瑞士法郎，金额为CHF108,000。UBS与Citibank之间有直接账户关系。案例二Sender UBSWCHZHMessage Type 103Receiver CITIUS3315M Senders r

12、eference 20:PAY/002M Bank Operation Code 23B:CREDO Instruction Code 23E:PHOB/2124551800M Value Date, Ccy, Interbank Sett Amt 32A:110313CHF108000,M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHM Beneficiary Customer 59: /1234567890 SILVER WINGS 42ND STREET NEW YOR

13、K, NY 10022O Remittance Information 70: /INV/6789M Details of Charges 71A: SHA TRAILER(S)16MT103的货币符号指明了支付（借记/贷记）的方向：付款指令，授权借记付款指令，贷记证实17Silver Wings在法国巴黎设有分公司，Bikes 4U向Silver Wings的巴黎分公司以同样的价格购买另一批儿童踏板车。Silver Wings做促销活动，要求Bikes 4U在2011年3月底前先支付CHF5,000押金，付款信息中列明“special offer”。Bikes 4U指示其账户行 UBS AG

14、，Zurich向Silver Wings 的欧元账户行Societe Generale，Paris（SOGEFRPP）汇款CHF5,000。UBS AG在SOGEFRPP开立欧元账户。1 EUR=1,61CHF5,000 CHF *0,61988=3099,42 EUR案例三18 Bikes 4U, Zurich UBSWCHZH SOGEFRPP Silver Wings, ParisMT10319Sender UBSWCHZHMessage Type 103Receiver SOGEFRPPM Senders reference 20:PAY/003M Bank Operation Cod

15、e 23B:CREDM Value Date, Ccy, Interbank Sett Amt 32A:110313EUR3099,42O Currency/Instructed Amount 33B:CHF5000,O Exchange Rate 36:0,61988M Ordering Customer 50K: /CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHM Beneficiary Customer 59: /FR7691000016600000090130601 SILVER WINGS 36 AVENUE DES

16、 CHAMPS ELYSEES 75002 PARISO Remittance Information 70: /RFB/ SPECIAL OFFERM Details of Charges 71A: SHA20如果报文中有71F或71G栏位，则33B必选。如果收报行和发报行BIC中的国家代字同时包含在下列清单中，则33B必选。33B：汇款人指示的币种和金额21Silver Wings在墨西哥有分公司。Bikes 4U指示其账户行UBS AG，Zurich（UBSWCHZH) 向Silver Wings在Banco De Mexico， Mexico（BDEMMXMM）的美元账户行汇款，金额为

17、USD25,000。UBS AG美元代理行是Citibank，New York（CITIUS33），支付的发票号码为AZV1470。款项到帐后，要求以最有效的通讯方式通知收款人Silver Wings。费用由交易双方各自承担。案例四 Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，Mexico22MT103 2357a：帐户行选项57A /1!a/34x 4!a2!a2!c3!a选项57B /1!a/34x 35x选项57C /34x选项57D /1!a/34x 4*35x24 Sender UBSWCHZH Message Ty

18、pe 103 Receiver CITIUS33M Senders reference 20:PAY/004M Bank Operation Code 23B:CREDO Instruction Code 23E:TELBM Value Date, Ccy, Interbank Sett Amt 32A:110313USD25000,M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHO Account with Institution 57A:BDEMMXMMM Benefic

19、iary Customer 59: /33225678 SILVER WINGS PASEO DE LA REFORMA 116 06600 MEXICOO Remittance Information 70: /INV/AZV1470M Details of Charges 71A: SHA TRAILER(S)25纽约Citibank收到此笔MT103汇款指令后，继续将汇款指令传递给下一家银行。CITIUS33收取USD12费用。 Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，MexicoMT1032652a：汇款行选项52

20、A /1!a/34x 4!a2!a2!c3!a选项52D /1!a/34x 4*35x27 Sender CITIUS33 Message Type 103 Receiver BDEMMXMMM Senders reference 20:CUS/9232M Bank Operation Code 23B:CREDO Instruction Code 23E:TELBM Value Date, Ccy, Interbank Sett Amt 32A:110313USD24988,O Currency/instructed Amount 33B:USD25000，M Ordering Custom

21、er 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHO Ordering Institution 52A:UBSWCHZHM Beneficiary Customer 59: /33225678 SILVER WINGS PASEO DE LA REFORMA 116 06600 MEXICOO Remittance Information 70: /INV/AZV1470M Details of Charges 71A: SHAO Seders Charges 71F:USD12,CITIUS33收收取取USD

22、12费用费用2871A：费用细则 SHA 交易中发报行方面的收费由汇款人承担，收款人承担收报行的费用。 OUR 交易中双方的收费均由汇款人承担。 BEN 交易中双方的收费均有收款人承担。29 Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，MexicoMT103MT103SHAOURBEN30如果71A则71F则71GBEN必选不使用SHA可选不使用OUR不使用可选71F：发报行的收费71G：收报行的收费31如果本案例中由汇款人支付所有费用。CITIUS33的费用为USD12。由于BDEMMXMM与UBS AG之间没有账户关系，因

23、此UBS AG当前不知道BDEMMXMM的收费情况。 Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，Mexico32MT103OUROUR33 Sender UBSWCHZH Message Type 103 Receiver CITIUS33M Senders reference 20:PAY/004M Bank Operation Code 23B:CREDO Instruction Code 23E:TELBM Value Date, Ccy, Interbank Sett Amt 32A:110313USD25012,O

24、 Currency/Instructed Amount 33B:USD25000,M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHO Account with Institution 57A:BDEMMXMMM Beneficiary Customer 59: /33225678 SILVER WINGS PASEO DE LA REFORMA 116 06600 MEXICOO Remittance Information 70: /INV/AZV1470M Details

25、 of Charges 71A: OURO Details of Charges 71G:USD12， Bikes 4U，Zurich UBSWCHZH CITIUS33 BDEMMXMM Silver Wings，Mexico34MT103BENBEN假设费用由收款人支付：UBSWCHZH收费US20CITIUS33收费USD12BDEMMXMM收费USD1135 Sender UBSWCHZH Message Type 103 Receiver CITIUS33M Senders reference 20:PAY/004M Bank Operation Code 23B:CREDO Ins

26、truction Code 23E:TELBM Value Date, Ccy, Interbank Sett Amt 32A:110313USD24980,O Currency/Instructed Amount 33B:USD25000,M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHO Account with Institution 57A:BDEMMXMMM Beneficiary Customer 59: /33225678 SILVER WINGS PASEO

27、DE LA REFORMA 116 06600 MEXICOO Remittance Information 70: /INV/AZV1470M Details of Charges 71A: BENO Details of Charges 71F:USD20，36 Sender CITIUS33 Message Type 103 Receiver BDEMMXMMM Senders reference 20:CUS/9232M Bank Operation Code 23B:CREDO Instruction Code 23E:TELBM Value Date, Ccy, Interbank

28、 Sett Amt 32A:110313USD24968,M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHO Account with Institution 52A:UBSWCHZHM Beneficiary Customer 59A: /33225678 WINGMXMMO Remittance Information 70: /INV/AZV1470M Details of Charges 71A: BENO Details of Charges 71F:USD20，O

29、 Details of Charges 71F:USD12， TRAILER(S)37Klaus Ziegler是Bikes 4U的总裁，计划到泰国度假。Klaus指示UBS AG Zurich（UBSWCHZH）汇款USD3,500给自己，款项汇到曼谷的Kasikornbank Public Company Limited （KASITHBK）。Klaus届时凭借其护照支取款项（护照号码：V631006）。Klaus指示银行自己作为收款人收取款项时支付银行费用。UBS AG的美元账户行是Barclays Bank Plc， New York（BARCUS33），并且KASITHBK在纽约的B

30、ank of New York（IRVTUS3N）开立美元账户。案例五 Klaus Ziegler UBSWCHZH BARCUS33 IRVTUS3N KASITHBK Klaus Ziegler38MT1033956a：中间行选项56A /1!a/34x 4!a2!a2!c3!a选项56D /1!a/34x 4*35x选项56C /34x 40 Sender UBSWCHZH Message Type 103 Receiver BARCUS33M Senders reference 20:PAY/005M Bank Operation Code 23B:CREDO Instruction

31、Code 23E:HOLD/SWISS PASSPORT NO.V631006M Value Date, Ccy, Interbank Sett Amt 32A:110313USD3480,O Currency/Instructed Amount 33B:USD3500,M Ordering Customer 50K: / CH9300761234567890123 KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICHO Intermediary Institution 56A:IRVTUS3NO Account with Institution 57A:KA

32、SITHBKM Beneficiary Customer 59: KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICHM Details of Charges 71A: BENO Details of Charges 71F:USD20，TRAILER(S) Klaus Ziegler UBSWCHZH BARCUS33 IRVTUS3N KASITHBK Klaus Ziegler41MT103BARCUS33收取费用USD15。42 Sender BARCCUS33 Message Type 103 Receiver IRVTUS3NM Senders r

33、eference 20:12345M Bank Operation Code 23B:CREDO Instruction Code 23E:HOLD/SWISS PASSPORT NO.V631006M Value Date, Ccy, Interbank Sett Amt 32A:110313USD3465,O Currency/Instructed Amount 33B:USD3500,M Ordering Customer 50K: / CH9300761234567890123 KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICHO Intermedi

34、ary Institution 52A:UBSWCHZHO Account with Institution 57A:KASITHBKM Beneficiary Customer 59: KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICHM Details of Charges 71A: BENO Details of Charges 71F:USD20，O Details of Charges 71F:USD15， Klaus Ziegler UBSWCHZH BARCUS33 IRVTUS3N KASITHBK Klaus Ziegler43MT103I

35、RVTUS3N收取费用USD20。44 Sender IRVTUS3N Message Type 103 Receiver KASITHBKM Senders reference 20:PT456M Bank Operation Code 23B:CREDO Instruction Code 23E:HOLD/SWISS PASSPORT NO.V631006M Value Date, Ccy, Interbank Sett Amt 32A:110313USD3445,O Currency/Instructed Amount 33B:USD3500,M Ordering Customer 50

36、K: / CH9300761234567890123 O Intermediary Institution 52A:UBSWCHZHM Beneficiary Customer 59: KLAUS ZIEGLER PELIKANSTRASSE 34 8022 ZURICHM Details of Charges 71A: BENO Details of Charges 71F:USD20，O Details of Charges 71F:USD15，O Details of Charges 71F:USD20，O Sender to Receiver Information 72:/INS/B

37、ARCUS334572：发报行给收报行的信息ACC 给账户行的附言INT 给中间行的附言REC 给收报行的附言INS 指示行，该指示行要求发报行完成该交易。46MT103MT103MT202COVMT10347Silver Wings在伊斯坦布尔开有分公司。苏黎世的Bikes 4U指示其账户行UBS AG，Zurich（UBSWCHZH）汇款给Silver Wings伊斯坦布尔分公司，汇款金额为EUR100,000，该分公司的欧元账户行是伊斯坦布尔的Arab Turkish Bank（ATUBTRIS）。UBS AG，Zurich向Arab Turkish Bank，Istanbul发送欧元汇

38、款指令，但收发报行之间没有直接账户关系，需要中间代理行。UBS AG和Arab Turkish Bank使用共同的代理行Societe Generale， Paris（SOGEFRPP）。案例六 Bikes 4U，Zurich UBSWCHZH SOGEFRPP ATUBTRIS Silver Wings，Istanbul48MT1034953a：发报行的代理行选项53A /1!a/34x 4!a2!a2!c3!a选项53D /1!a/34x 4*35x选项53B /1!a/34x 35x 50 Sender UBSWCHZH Message Type 103 Receiver ATUBTRI

39、SM Senders reference 20:PAY/006M Bank Operation Code 23B:CREDM Value Date, Ccy, Interbank Sett Amt 32A:110313EUR100000,O Currency/Instructed Amount 33B:EUR100000,M Ordering Customer 50K: / CH9300762011623852958 BIKES 4U TALSTRASSE 101 8022 ZURICHO Intermediary Institution 53A:SOGEFRPPM Beneficiary C

40、ustomer 59: /TR330006100519786457841326 SILVER WINGS VALIKONAGI CADESSI 10 34367 ISTANBULO Remittance Information 70:/INV/3233/4529/5331M Details of Charges 71A: SHATRAILER(S) Bikes 4U，Zurich UBSWCHZH SOGEFRPP ATUBTRIS Silver Wings，Istanbul51MT103MT202COVSender UBSWCHZHMessage Type 202COVReceiver SO

41、GEFRPP52M Senders reference 20:PAY/012M Related Reference 21: PAY/006M Value Date, Ccy Code, Amt 32A:110313EUR100000,M Beneficiary Institution 58A: ATUBTRIS M Ordering Customer 50F: /008239345602 1/BIKES 4U 2/160 TWO EXCHANGE SQUARE 3/HK/CENTRALM Beneficiary Customer 59: /NL1234567892145639874 SILVE

42、R WINGS PARKLAAN 7 3016 BA ROTTERDAM假设Arab Turkish Bank与UBS AG使用各自的欧元代理行，即Arab Turkish Bank的欧元帐户行是Banque Paribas，Paris（BNPAFRPP），UBS AG的欧元帐户行是Societe Generate Paris（SOGEFRPP）。案例七53 Bikes 4U，Zurich UBSWCHZH SOGEFRPP BNPAFRPP ATUBTRIS Silver Wings，Istanbul54MT1035554a：收报行的代理行选项54A /1!a/34x 4!a2!a2!c3!

43、a选项54D /1!a/34x 4*35x选项54B /1!a/34x 35x Sender UBSWCHZHMessage Type 103Receiver ATUBTRIS56M Senders reference 20:PAY/007M Bank Operation Code 23B:CREDM Value Date, Ccy, Interbank Sett Amt 32A:110313EUR100000,O Currency/Instructed Amount 33B:EUR100000,M Ordering Customer 50K: /CH9300762011623852958 B

44、IKES 4U TALSTRASSE 101 8022 ZURICHO Intermediary institution 53A:SOGEFRPPO Account with institution 54A:BNPAFRPPM Beneficiary Customer 59: /TR330006100519786457841326 SILVER WINGS VALKANOGI CADDESI 10 34367 ISTANBULO Remittance Information 70:/INV/3233/4529/5331M Details of Charges 71A: SHA Bikes 4U

45、，Zurich UBSWCHZH SOGEFRPP BNPAFRPP ATUBTRIS Silver Wings，Istanbul57MT103MT202COVSender UBSWCHZHMessage Type 202COVReceiver SOGEFRPP58M Senders reference 20:PAY/014M Related Reference 21: PAY/007M Value Date, Ccy Code, Amt 32A:110313EUR100000,O Account with Institution 57A:BNPAFRPPM Beneficiary Insti

46、tution 58A: ATUBTRIS M Ordering Customer 50F: /008239345602 1/BIKES 4U 2/160 TWO EXCHANGE SQUARE 3/HK/CENTRALM Beneficiary Customer 59: /NL1234567892145639874 SILVER WINGS PARKLAAN 7 3016 BA ROTTERDAM59Bikes 4U在香港新设立了新的分公司，Silver Wings也在荷兰阿姆斯特丹设立了分公司。Bikes 4U的香港分公司从Silver Wings阿姆斯特丹的分公司进口儿童脚踏车。Bikes

47、 4U指示其帐户行Standard Chartered Bank，Hong Kong（SCBLHKHH）汇款USD11,000给Silver Wings在GE Artesia Bank，Rotterdam Branch（ARTENL2AROT)的帐户，账号为NL1234567892145639874。发票号码为CHE/123/ROHK。Standard Chartered Bank发送MT103客户汇款指令给GE Artesia Bank，Rotterdam，同时将头寸划拨给自己的美元帐户行Bank of New York （IRVTUS3N）。GE Artesia Bank在鹿特丹所有的外币

48、帐户都开在阿姆斯特丹的总部（ARTENL2A），其总部的美元帐户行是Credit Suisse First Boston New York （CRESUS33)。费用由汇款人和收款人各自承担。案例八 Bikes 4U，Hong Kong SCBLHKHH IRVTUS3N CRESUS33 ARTENL2A ARTENL2AROT Silver Wings，Rotterdam60MT103MT202COVSender SCBLHKHHMessage Type 103Receiver ARTENL2AROT61M Senders reference 20:PAY/008M Bank Operat

49、ion Code 23B:CREDM Value Date, Ccy, Interbank Sett Amt 32A:110313USD11000,M Ordering Customer 50F: /008239345602 1/BIKES 4U 2/160 TWO EXCHANGE SQUARE 3/HK/CENTRALO Senders Correspondent 53A:IRVTUS3NO Receivers Correspondent 54A:CRESUS33O Third Reimbursement Institution 55A:ARTENL2AM Beneficiary Cust

50、omer 59: /NL1234567892145639874 SILVER WINGS PARKLAAN 7 3016 BA ROTTERDAMO Remittance Information 70:/INV/CHE/123/ROHKM Details of Charges 71A: SHA提高业务直通式（STP）处理：正确使用SWIFT报文栏位的格式选项。尽量使用格式化选项，如BIC、清算系统代码、代码词等。从客户方获得准确的汇款信息。6265客户汇款银行头寸调拨银行账务银行费用66银行头寸调拨银行头寸调拨 MT202COV附带汇款信息的单笔银行头寸调拨 MT202单笔银行头寸调拨 MT2