SWIFT报文标准在支付业务中的应用.pptx

2019/12/6SWIFT报文标准在支付业务中的应用运营服务总部(收付清算)2011年6月21日12Category1–客户汇款与支票CUSTOMERPAYMENT&CHEQUESCategory2–银行头寸调拨FINANCIALINSTITUTIONTRANSFERSCategory3–外汇买卖、货币市场及衍生工具FOREIGNEXCHANGE,MONEYMARKETS&DEVIRATIVESCategory4–托收COLLECTIONS&CASHLETTERSCategory5–证券业务SECURITIESMARKETSCategory6–银团贷款和贵金属业务PRECIOUSMETALS&SYNDICATIONSCategory7–跟单信用证和保函DOCUMENTARYCREDIT&GUARANTEESCategory8–旅行支票TRAVELLERSCHEQUESCategory9–银行和客户账务CASHMANAGEMENT&CUSTOMERSTATUSCategory0–SWIFT系统报文SYSTEMMESSAGES3交流内容44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4StatusTagFieldNameContent/OptionsM20Sender’sReference16x-------->O13CTimeindication/8c/4!n1!x4!n--------|M23BBankOperationCode4!c--------->O23EInstructionCode4!c[/30x]---------|O26TTransactionTypeCode3!aM32AValueDate/Currency/InterbankSettledAmount6!n3!a15dO33BCurrency/InstructedAmount3!a15dO36ExchangeRate12dM50aOrderingCustomerA、KorFO51ASendingInstitution[/1!a][/34x]4!a2!a2!c[3!c]O52aOrderingInstitutionAorDO53aSender’sCorrespondentA,BorDO54aReceiver’sCorrespondentA,BorDO55aThirdReimbursementInstitutionA,BorDO56aIntermediaryInstitutionA,ountWithInstitutionA,B,CorDM59aBeneficiaryCustomerAornoletteroptionO70RemittanceInformation4*35xM71ADetailsofCharges3!a4O71FSender’sCharges3!a15d----|O71GReceiver’sCharges3!a15dO72SendertoReceiverInformation6*35xO77BRegulatoryReporting3*35xO77TEnvelopeContents9000zM=MandatoryO=Optional5案例一Bike4U是的苏黎世的自行车进口商,该公司向纽约一家大供应商SilverWings订购了一批儿童踏板车。Bikes4U的账户行为苏黎世的UBSAG(UBSWCHZH),SilverWings的账户行为纽约Citibank(CITIUS33)。Bikes4U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。6Bikes4U,ZurichUBSWCHZHCITIUS33SilverWings,NewYorkMT103