客户汇款BEN-OUR-SHA 含义.ppt

Tip of the month - How should you calculate the charges? You have a choice of 3 code words for 71A: BEN, OUR and SHA. BEN: This means all charges will be borne by the Beneficiary Customer OUR: This means all charges will be borne by the Ordering Customer SHA: This means all charges from the original Sender (and potentially the financial institution acting on behalf of the Sender) will be borne by the Ordering Customer. All other charges will be borne by the Beneficiary Customer SWIFT Network Validated Rules: With a BEN Option: Field 71F (at least once) is mandatory, Field 71G isnot allowed With an OUR Option: Field 71F (Sender’s Charges) is not allowed, Field 71G (Receiver’s Charges) is optional With a SHA Option: Field 71F is optional, Field 71G is not allowed Tip of the month - How should you calculate the charges in a BEN option? Tip of the month - How should you calculate the charges in an OUR option? Tip of the month - How should you calculate the charges in a SHA option? Source: SWIFT Customer Support Centres/SWIFT Standards department- main customer concerns - April 2003 DRESDEFF BBRUBEBB MT 103 Sender: DRESDEFF MT 103 Receiver: BBRUBEBB :20:DGE124 :23B:CRED :32A:030415EUR645, :33B:EUR650, :50K:MR J ROBIN LANDSTRASSE 50 516 DUEREN - GERMANY :57A:GEBABEBB :59:/BE33310119674646 MR DANIEL DEKENS RUE SAINT JEAN 65 B-1040 BRUSSELS :71A:BEN :71F:EUR5, GEBABEBB Mr. D. Dekens Mr. J. Robin 32A = 33B - 71F EUR5, charges paid by Beneficiary With a BEN option: 71F is mandatory - 71G is not allowed DRESDEFF BBRUBEBB MT 103 Sender: DRESDEFF MT 103 Receiver: BBRUBEBB :20:DGE124 :23B:CRED :32A:030415EUR655, :33B:EUR650, :50K:MR J ROBIN LANDSTRASSE 50 516 DUEREN - GERMANY :57A:GEBABEBB :59:/BE33310119674646 MR DANIEL DEKENS RUE SAINT JEAN 65 B-1040 BRUSSELS :71A:OUR :71G:EUR5, GEBABEBB Mr. D. Dekens Mr. J. Robin 32A = 33B + 71G EUR5, charges paid by Ordering Customer With an OUR option: 71F is not allowed - 71G is optional DRESDEFF BBRUBEBB M