福费廷业务操作规程.docx

1、福费廷业务操作规程福费廷业务操作规程附件:银行福费廷业务操作规程第一章 总 则 第一条 为促进我行福费廷业务发展，规范业务操作，根据总行贸易融资业务有关规定和福费廷业务的有关国际惯例，结合福费廷业务特点和风险控制要求，特制定本操作规程。 第二条 福费廷业务是指包买银行无追索权地买入或卖出因真实贸易背景而产生的远期票据和应收账款的行为。本操作规程系指农业银行无追索权地买入或卖出跟单信用证、跟单托收（以下统称信用证、托收）项下经承兑行/承诺付款行/保兑行/保付加签行（以下统称承兑行）承兑/承诺付款/保兑/保付加签的款项（以下统称承兑的款项），包括福费廷一级市场业务和福费廷二级市场业务，其中买入我行

2、承兑的信用证项下款项又称为进口票据包买业务。第三条 本操作规程所指经办行系指经总行、银行业监督管理委员会、国家外汇业务管理部门批准具有办理国际结算业务资格的各级经营机构。第四条 代理福费廷和福费廷卖出业务由国际业务部门直接办理。自营福费廷、福费廷二级市场买入、进口票据包买业务按照总行低信用风险信贷业务流程办理。第二章 福费廷业务术语第五条 本操作规程中主要涉及的福费廷业务术语及释义如下：（一）福费廷一级市场业务：指我行从客户处买入或代理他行买入信用证或托收项下经承兑行承兑的款项，包括自营福费廷和代理福费廷业务。1、自营福费廷。指我行承担承兑行付款风险，使用自有资金买入客户信用证或托收项下经承兑

3、行承兑的款项。2、代理福费廷。指我行不承担承兑行付款风险，代理其他银行买入客户信用证或托收项下经承兑行承兑的款项。（二）福费廷二级市场业务。指我行作为买入行从他行买入或作为卖出行向他行卖出的业已办理的自营福费廷业务，包括买入和卖出两个方向。（三）进口票据包买业务。指我行作为包买银行买入我行开出并已承兑的信用证项下款项。我行仍承担开证申请人的信用风险。（四）承诺费。指出口商承诺卖出票据至实际融资日超过14天所应支付的费用。承诺费一次性支付，并依据贴现总额而定。（五）宽限期。指从付款到期日至实际收款日的估计延期天数，在计算贴现利息时将宽限期计入实际融资期。第三章 办理福费廷业务的条件 第六条 办理

4、福费廷业务应满足以下条件：（一）信用证项下远期汇票银行已承兑，延期付款信用证项下银行已承诺付款，托收项下远期票据银行已保付加签；（二）汇票或应收账款计价币种应为我行可接受的货币；（三）福费廷业务项下的基础交易无瑕疵；（四）办理福费廷一级市场业务，出口商应具有良好的商业及其它费用的款项支付给出口商，并向出口商出具福费廷融资确认书。同时通知承兑行我行已买断款项（参考报文格式见附件1），到期向我行付款。（二）办理代理福费廷业务，我行应根据福费廷业务协议向包买银行提交相关单据，并通知承兑行我行已将款项让渡给包买银行。经办行在收到包买银行的款项后，将扣除我行应得的代理费收入、相关手续费收入及其它费用后的

5、金额支付给出口商，并向出口商出具福费廷融资确认书。第十五条 款项收回（一）办理自营福费廷业务，在款项到期日前，经办行应及时提示承兑行付款。（二）办理代理福费廷业务，如到期日承兑行向我行付款，经办行应及时将款项付给包买银行。第二节 福费廷二级市场业务流程第十六条 福费廷二级市场买入业务（一）业务询报价。有权报价行国际业务部门收到卖出银行询价及其提供的包括承兑行、单据币种和金额、款项到期日、交易货物品名等相关业务信息后，根据承兑行资信状况、所在国的国家风险、融资金额、期限等确定报价并回复卖出银行。卖出行如同意我行报价，应向我行发送SWIFT报文（或有签字或盖章的传真）确认。（二）款项发放。福费廷二

6、级市场买入业务经审批后，经办行应审查卖出银行给我行的款项让渡加押报文（参考报文格式见附件2）及其向承兑行发送的告知其款项让渡事项的SWIFT报文（参考报文格式见附件3，应有签字或盖章），按照约定的日期在扣除有关费用后向卖出银行付款，同时向其发送SWIFT报文（参考报文格式见附件4）确认已付款，并说明如承兑行到期日直接向卖出行付款，卖出行应将款项及时归还我行。第十七条 福费廷卖出业务（一）业务询报价。经办行应按第七条的规定向有权询价行国际业务部门询价，并提供承兑行、单据币种和金额、款项到期日、交易货物品名等相关业务信息。有权询价行国际业务部门根据经办行提供的有关业务信息向买入行询价，确定报价后回

7、复经办行。（二）经办行应按照买入银行的要求提交相关的业务材料，并以SWIFT报文通知承兑行款项让渡事项，到期款项直接付给买入行。（三）收到福费廷卖出款项后，经办行应归还我行已办理的福费廷业务款项。第十八条 款项收回（一）福费廷二级市场买入业务情况下，如信用证中有索偿条款，在到期日前三个银行工作日内，经办行应通知卖出银行及时向偿付行索偿；如信用证中无索偿条款，经办行在业务到期日没有收到款项，应及时要求卖出银行协助我行向承兑行催收。如我行在业务到期日直接收到承兑行的付款，经办行应于收到款项当日以SWIFT报文通知卖出行。（二）福费廷卖出业务项下，如到期日承兑行向我行付款，经办行应及时将款项付给买入

8、行。第三节 进口票据包买业务流程第十九条 进口票据包买业务项下，我行既是开证行，又是票据或应收账款的包买行。我行买入自己承兑的款项后，开证申请人到期仍应向我行偿还信用证项下款项。如开证行和包买行分别为我行不同分行，包买行应在向开证行了解相关交易情况后再办理票据包买手续。一旦开证申请人违约迟付，开证行应承担信用证项下到期付款责任。第二十条 进口票据包买业务的申请人应为信用证项下交单行，申请形式以信用证交单面函或SWIFT加押报文为准。第二十一条 进口票据包买业务可与开证业务一并审批，也可在信用证开出后审批。（一）与开证业务一并审批的，经办行在开证前提出拟办理进口票据包买业务意向，按照相关进口信用

9、证业务的审批流程办理审批手续。进口票据包买业务不重复占用相应的开证额度，办理进口票据包买业务的同时释放开证额度。1、审批同意后，信用证报文中应加入办理进口票据包买意向的类似语句和汇票缮制要求（也可在开证后另行缮制报文）：We are prepared to discount the due amount less our interest and charges before maturity once the documents have been accepted by us without recourse except for any kind of fraud or fraudule

10、nt activities of the beneficiary and court injunction, upon the specific instructions ofthe presenting bank. All discount charges are for the account of thepresenting bank/beneficiary.Drafts should be made Pay to order of XX (beneficiary), if any.2、我行收到交单行书面（交单面函或SWIFT报文）贴现要求后，我行在向交单行发送承兑电文同时进行报价。报文

11、应明确要求交单行以SWIFT加押报文方式确认其信用证项下的权利全部转让给我行以及我行在欺诈或法院止付令情况下的追索权（参考报文格式见附件5）。3、如交单银行接受我行报价，并在规定的时间内以SWIFT加押报文确认，经办行按实际贴现天数在扣收贴现利息及信用证业务相关费用后向交单行付款。（二）信用证开出后申请的，按照低信用风险业务流程审批。1、交单行提交的远期汇票收款人为受益人的，经办行应审核交单行在交单面函或SWIFT报文中是否指示我行包买票据。后续操作流程参照本条第（一）23款有关规定办理。2、交单行提交的远期汇票收款人为其自己的，经办行应向开证申请人提示，在其书面确认放弃在任何情况下申请法院止

12、付令权利的前提下，方可参照本条第（一）23款有关规定办理。第二十二条 经办行应做好相应的登记工作，在信用证项下款项到期前，应及时提醒进口商按期偿付我行相应款项。第六章 福费廷业务管理第二十三条 协议管理办理代理福费廷和福费廷二级市场业务，应由总行或经总行批准的一级分行与代理行签订福费廷协议。如遇代理行不愿签订福费廷协议等特殊情况，单笔福费廷业务也可以SWIFT加押报文方式（或有签字或盖章的传真）确认办理。SWIFT加押报文中应除单笔福费廷业务的相关信息外，还应包括明确有关当事人权利义务的文字内容。办理业务后一级分行应就业务情况向总行备案。第二十四条 风险管理经办行应加强对所办福费廷业务的跟踪，

13、如果出现承兑行或开证申请人迟付，应按实际迟付的天数向其索要迟付利息；如果承兑行或开证申请人出现其他风险或发生贸易欺诈风险，应及时采取补救措施并向上级行报告。第二十五条 档案管理福费廷业务项下的交易单据各行应专卷保管，妥善保存。已结清的福费廷业务档案应保存5年。第七章 附 则第二十六条 福费廷业务会计核算执行XX银行国际贸易融资业务会计核算办法的有关规定。第二十七条 本操作规程由XX银行总行负责制定、解释和修改。各行可根据自身业务特点及管理要求对本操作规程进行细化，制定辖内福费廷业务的实施细则。 第二十八条 本操作规程所涉及的国际收支申报、出口收汇核销、进口付汇核销等外汇管理政策，各行应按照国家

14、外汇管理局的最新规定办理。第二十九条 本操作规程自下发之日起执行。原XX银行福费廷业务操作暂行规程和XX银行进口信用证项下包买票据业务操作规程同时废止。附件：1.给开证行、保兑行或其它指定银行的款项让渡通知函参考格式2.卖出银行款项让渡报文参考格式（给我行）3.卖出银行款项让渡报文参考格式（给承兑行）4.我行付款确认报文参考格式5.进口票据包买业务报价报文参考格式 附件1： 给开证行、保兑行或其它指定银行的款项让渡通知函参考格式一、通知开证行我行已买入其承兑的汇票/债务Letter of Assignment (to be sent by tested telex or swift)To: L

15、C issuing bank or confirming bankFrom：Your L/C No. Dated Our BP No. For Amount of Bill of Exchange for duly accepted by your bank to mature on We hereby give notice to you that after receipt of your acceptance notice, we have purchased the subject Bill of Exchange/deferred payment debt. The right of

16、 the subject Bill of Exchange/deferred payment debt has been assigned to us.Please pay on maturity date the full face value of the draft amount in effective currency without any deductions of any nature, counterclaims or set-offs to the following account:Account Bank:Account No.Quoting the reference

17、 No.Please confirm that the original drafts are retained in your possession and being held to our order.二、通知开证行已将款项让渡给我行代理的包买银行Letter of Assignment (to be sent by tested telex or swift)To: LC issuing bank or confirming bankFrom:Your L/C No. Dated Our BP No. For Amount of Bill of Exchange for duly ac

18、cepted by your bank to mature on We hereby give notice to you that the drawer/beneficiary under the captioned LC, has by letter of Assignment irrevocably and unconditionally assigned all his rights, title, interest and benefit in the Draft drawn on and accepted by you, to 包买银行We have sent the origin

19、al of your acceptance dated to 包买银行Please pay 包买银行 account no. or to their order on the maturity date.附件2：卖出银行款项让渡报文参考格式（给我行）:20 : Transaction Related Number:21 : Related Reference:79 : Narratives ATTN: TRADE FINANCE DEPT. OUR DOCS REF. FOR USDXXXXXX ACCEPTED BY XXXXXXX BANK TO MATURE ON XXXXXX UNDE

20、R L/C NO. XXXXXXXXXX. 1. WE HEREBY CONFIRM THAT WE HAVE UNCONDITIONALLY AND IRREVOCABLY TRANSFERRED ALL RIGHTS，TITLE，INTEREST AND CLAIMS ACCRUING FROM THE ABOVE L/C，TOGETHER WITH THE RELATIVE BILLS OF EXHANGE，TO YOU BY ACCEPTING YOUR FACILITY LETTER OF OFFER DATED XXXX. WE UNDERTAKE THAT THE RELATED

21、 L/C AMOUNT AND TENOR WILL REMAIN UNCHANGED WHEN THE PROCEEDS UNDER SUBJECT HAS BEEN ASSIGNED TO AGRICULTURAL BANK OF CHINA, BRANCH. 2. IF THE ISSUING BANK PAYS THE PROCEEDS TO OUR ACCOUNT DIRECTLY ON THE MATURITY DATE, WE WILL IMMEDIATELY REMIT THE AMOUNT TO AGRICULTURAL BANK OF CHINA, BRANCH. 3. I

22、F THE ISSUING BANK AUTHORIZES US TO CLAIM REIMBURSEMENT AT MATURITY, WE UNDERTAKE TO IMMEDIATELY CLAIM REIMBURSEMENT ON YOUR BEHALF AND REMIT THE AMOUNT TO AGRICULTURAL BANK OF CHINA, BRANCH.4. WE HAVE RECEIVED THE AUTHENTICATED SWIFT NOTIFICATION FROM THE ISSUING BANK CONFIRMING THAT THEY WILL REMI

23、T PROCEEDS ON THE MATURITY DATE. 5. WE HAVE SENT OUR ASSIGNMENT AUTHORIZATION BY AUTHENTICATED SWIFT TO ISSUING/PAYING BANK TO REQUEST THEM TO PAY AGRICULTURALBANK OF CHINA, _BRANCH DIRECTLY ON MATURITY DATE. 6. YOU HAVE THE RIGHT TO RECOURSE FOR THIS TRANSACTION IF A COURT INJUNCTION IS ISSUED OR P

24、AYMENT IS REFUSED DUE TO ANY FRAUD OR ILLEGALITY ISSUES. （PLEASE ENCLOSE YOUR PAYMENT ROUTE） QUOTING OUR REF NO. BEST REGARDS EXPORT BILLS DEPT.附件3：卖出银行款项让渡报文参考格式（给承兑行）:20 : Transaction Related Number:21 : Related Reference:79 : Narratives ATTN: LC DEPT. OUR DOCS REF.XXXXXXXX FOR USDXXXXXXX UNDER YO

25、UR L/C NO.XXXXXXXXXX MATURIY DATE: We hereby confirm that we have assigned all the rights and benefits accruing from your letter of credit No.XXXXXXXXXXXXX to Agricultural Bank of China, Branch. Please confirm your acknowledgement of the assignment directly to them (their SWIFT Code:ABOCCNBJ100) and

26、 to confirm your undertaking to pay them by remitting USDXXXXXXXXX less your charges to ABOCCNBJ held with CHASUS33 For further credit to ABOCCNBJXXX at maturity date XXXXX by authenticated SWIFT. BEST REGARDSEXPORT BILLS DEPT.附件4：我行付款确认报文参考格式:20 : Transaction Reference Number:21 : Related Reference

27、:79 : Narrative ATTN: EXPORT BILLS DEPT. RE YOUR BILL AMOUNT: USDXXXXXX UNDER LC NO.XXXXXX ISSUED BY XXXXXX BANK MATURITY DATE: OUR REF:XXXXXXX RE YR SWIFT MSG OF DD, WE HAVE TODAY DISCOUNTED THE ABOVE BILL AND TT REMITTED USDXXXXXX TO YOU AS INSTRUCTED. DETAILS OF CALCULATION ARE AS FOLLOWS: LESS:

28、XX DAYS INTEREST AT PCT P.A. PLUS PCT P.A. ( WORKING DAYS GRACE PERIOD INCLUDED) USDXXX CABLE COST USDXXX PRE-DEDUCTION USDXXX THANK YOU FOR YR KIND ATTENTION. REGARDS. ABC BRANCHTRADE FINANCE DEPT.附件5：进口票据包买业务报价报文参考格式TOxxx:BANKFM:AGRICULTURALBANKOFCHINA,xxxBRANCHATTN:（NAMEOFTHEPERSON）DEARSIR/MESDAM

29、ES,RE. YOUR REF NO.xxx FOR AMOUNT OF xxx UNDER OUR L/CNO. XXXTHIS IS TO ADVISE YOU THAT THE ABOVE-MENTIONEDDRAFT（S）/DOCUMENTSPRESENTEDBYYOURBANKDATED xxx HAVE BEEN ACCEPTED BY US TO MATURE FORPAYMENT ON xxx ACCORDING TO YOUR REQUEST, WE AREPLEASED TO OFFER YOU AN EXPORT BILL DISCOUNTFACILITY WITHOUT

30、 RECOURSE EXCEPT FOR ANY KINDOFFRAUD OR FRAUDULENT ACTIVITIES OF THEBENEFICIARYANDCOURTINJUNCTION.DISCOUNTRATEWILLBELIBORPLUSxxxBP.IFYOUACCEPTOUROFFER,PLEASEACKNOWLEDGEBYSWIFTBEFORExxxQUOTINGTHEFOLLOWINGSENTENCES:“WEHEREBYCONFIRMTHATYOUROFFERISACCEPTEDANDAGREEDBYUS.WITHREFERENCETOTHEABOVEL/C,WEHEREB

31、YIRREVOCABLYANDUNCONDITIONALLYASSIGNALLOURRIGHTS,TITLE,INTERESTANDCLAIMSTOYOU.WEHEREBYREPRESENTANDWARRANTTOYOUTHATWEARETHESOLELEGALANDBENEFICIALOWNEROFTHERIGHTSHEREBYASSIGNED,WHICHAREFREEANDCLEAROFANYPLEDGE,SECURITYINTEREST,CLAIM,SET-OFFORCOUNTERCLAIMORANYOTHERCHARGES.THISASSIGNMENTSHALLBYNOMEANSTRANSFEROUROBLIGATIONANDDUTYUNDERTHEABOVEL/CTOYOU.