外汇通常是指以外国货币表示的,用于国际结算的支付手段,一切存在国外银行
的外币存款,在国外能得到偿付的外币、外币票据、外币支付凭证、股票和债券以及
可以用于清偿国际间债务的其它外币资产,统称外汇。



  1、单位外汇存款的对象
  (1)各国驻华机构(包括各国驻华外交代表、领事机构、商务机构等),中国
境外或港澳地区的中外企业团体;
  (2)中国境内的侨资、外资、中外合资企业;
  (3)中国境内的机关、团体、学校、企事业单位、城乡经济组织。
  2、单位外汇存款的币别
  单位外汇存款一般只开办美元、英镑、港币、德国马克、法国法郎、日元六种货
币。存款人若以其他外汇存入,则应按存入日的外汇牌价折算成上述货币入帐。
  3、如何办理单位外汇现钞存款?
  在我行开有帐户的单位,经营或其它经济活动所获得的外币收入可到外币兑换窗
口办理存款。对外汇局允许保留的外汇,通过钞买价折成人民币存入其人民币帐户。


  国内外汇汇款是指国内汇款申请人,将外汇委托银行,汇给国内异地收款人的一
种结算方式。国内外汇汇款分信汇、电汇、票汇三种。
  汇款人申请办理汇出时,应填制汇款委托书,汇出行受理时,需审查委托书填写
是否齐全,款项是否符合支款帐户的规定,并检验印鉴是否与预留印鉴相符。


  国内外汇托收是指国内收款人凭票据委托当地银行,通过异地银行向国内付款人
收取外汇款项的一种结算方式。国内外汇托收分为邮划和电划两种,由收款人选择使
用。


  汇款人申请汇出国外汇款时,须填制“汇款申请书”一式两联,并提供与支付方
式相应的有效商业单据和所列有效凭证。贸易项下付汇,还应填制贸易进口付汇核销
单。“汇款申请书”内应详细填明:汇款日期、汇款方式、货币金额,并以英文注明
收款人名称、地址、其开户银行与帐号,加盖印鉴。银行审查无误后,收取款项及有
关费用,并将汇款回单加盖业务公章退给汇款人。

哈尔滨瑞康电子信息技术有限公司 版权所有



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