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1、摘要,纽约梅隆银行发展历程 美元清算系统 纽约梅隆银行美元清算服务 台湾汇款清算系统,1,纽约梅隆银行发展历程,3,发展历程,亚历山大. 汉密尔顿先生于1784年创立,美国第一家银行,2007年7月1日和梅隆银行合并，后者由 安德鲁梅隆创立,分支机构遍布全球36个国家和地区， 全球49,000多名员工,4,一个全球金融服务的提供商,在产品广度和全球影响上的根本性进步,1900-2000 积极建立传统的投资战略,通过收购，和一系列战略同盟达到业务地国际增长,一个共同，清洗和突出的焦点,两个机构联合在一起构成了世界上最大的证券服务商，和资产管理公司, 成为在金融服务方面无与伦比的公司,1784,1
2、869,纽约银行建立,T. Mellon and Sons银行建立,19世纪90年代-20世纪30年代 早期拓展进入托管，公司信托和股票交易领域,1946,与联邦信托合并,梅隆资本管理公司,1983,1993,收购波士顿公司,1994,收购Dreyfus,收购了Newton资产管理公司大部分股权并创立了梅隆全球投资有限公司,1998,与纽约银行合并,2007,与纽约人寿保险信托公司合并,1922,1988,收购欧文信托,2000,收购常青藤资产管理公司,1996,收购 J.P. 摩根信托业务,与梅隆金融公司合并,2007,2006,与J.P. 摩根大通公司信托业务进行资产互换,联合,2003,
3、收购 Pershing LLC,5,注释：以上所有集团的优先债务等级数据统计截至2011年1月19日,纽约梅隆是美国唯一一家获得穆迪AAA评级的银行,纽约梅隆信用评级名列前茅,美元清算系统- FEDWIRE : Gross Settlement 即时清算系统- CHIPS : Net Settlement 净额交割系统- ACH：大批量的单一借贷交易系统,美元支付清算流程,7,FEDWIRE,美元代理行(BNYM NY),汇款行 (ABC),MT103,MT202,CHIPS指令,FED指令,收款行,纽约中间行,（CHIPS成员行）,3 FEDWIRE,1 内部转账,2 CHIPS,美国境内
4、或 美国境外的账户行,美国境内的账户行,Fedwire and CHIPS Summary,8,美元支付清算系统 年交易量和交易金额数据（2010年）,Fedwire Funds Service 2010 RTGS - Real-time Gross Settlement System 即时清算系统 Owned by the U.S. Government not compete in local markets 主要海外分行提供同业代理行的服务, 所以我们不会成为当地银行的竞争对象 Ranked No. 3/4 美元汇款清算量全球排名第三或四 - Global Market Share 10
5、.3% 约占全球总清算量的10.3 % - Daily Volume 170,000 items 每天处理170,000 次交易 - Daily Value $ 1.8 trillion 每天清算额价值1.8万多亿美元 - 35% Internal Book Transfer 35%汇款通过内部转帐 - Peak Daily Volume 245,000 items /$3 Trillion 高峰日清算量: 245,000 笔清算量/ 3 兆美元清算额,25,BNY Mellon Global Footprint,UNITED STATES,CANADA,MEXICO,ARGENTINA,CH
6、ILE,BRAZIL,BRAZIL,BERMUDA,CAYMAN ISLANDS,BAHAMAS,IRELAND,UNITED KINGDOM,LUXEMBOURG,EGYPT,SOUTHAFRICA,SPAIN,ITALY,FRANCE,GERMANY,RUSSIA,BELGIUM,NETHERLANDS,SWITZERLAND,LEBANON,TURKEY,UNITEDARAB EMIRATES,INDIA,CHINA,JAPAN,HONG KONG,SINGAPORE,MALAYSIA,PHILIPPINES,SOUTH KOREA,TAIWAN,INDONESIA,THAILAND,A
7、USTRALIA,EMEA: Alternative Investment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Capital Markets, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Treasury Services, Wealth Management, Eagle Investment Systems,Asia Pacific: Alternative Inv
8、estment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Treasury Services, Wealth Management, Eagle Investment Systems,Americas: Alternative Investment Services, Asset Management, Asset Servicing
9、, Broker-Dealer Services, Capital Markets, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Shareowner Services, Treasury Services, Wealth Management, Eagle Investment Systems,Americas 33,000+ employees in 7 countries and 2 territories including 5 Canadian province
10、sand 29 U.S. states,Europe, Middle East, Africa 8,000+ employees in 30 cities across 18 countries,Asia-Pacific 6,000+ employeesin 16 offices across 12 countries,POLAND,* data as of December 31, 2010, reflects total staff of the company, including subsidiaries and affiliates,26,Reduce Your Funds Tran
11、sfer Cost 减轻贵行汇款的成本 MT103/MT202 Beneficiary Deduct 出账扣费 MT103/MT202 Credit Deduct 入账扣费 FULLPAY 全额付款 PRIORITY Payments 优先付款 MT103 Early Processing Service 提早放行服务 Automated Intermediary Service 自动选择中间银行服务 Same Day Cancellation & Amendment Services 付款当日取消和修改服务 Special Return of Funds Processing 特殊退款服务,
12、BNY Mellon Commercial Payment Products 纽约梅隆银行商业汇款产品,27,Options: Beneficiary Deduct (Ben Deduct) 出账扣费 Credit Deduct 入账扣费 Eligible Transactions: 汇款的方式 MT103 Non-Bank customer transfers Field 71 : /SHA/ or /BEN/ MT202 Import L/C Field 72: Export Collection transactions,To Reduce Your Funds Transfer Cos
13、t 减少贵行的汇款成本,28,Bene Deduct Benefits: The outgoing payment is free of charge to your bank 本行在执行这笔汇出款时不会向贵行收取任何的费用 We deduct our processing fee & pay net proceeds to payee bank 本行会在汇出款至收款行的过程当中，已扣除我们的手续费 Your SWIFT message volume is reduced saving SWIFT charges 贵行发送报文量减少会节省SWIFT的费用 For non-bank custom
14、er transfers, a single MT103 bearing your Bene Deduct instruction is used to replace the traditional procedure of sending: 非银行汇款， 只需发送一个MT103从而取代过去传统发送报文的方式 a MT103 to bene bank, and a MT202 COV to correspondent bank for the cover,To Reduce Your Funds Transfer Cost 减少贵行的汇款成本,29,Credit Deduct The inc
15、oming payment is free of charge to your bank 处理这笔汇入汇款时，不会向贵行收取任何的费用 We deduct our processing fee & credit your account for the net proceeds 执行这笔汇入汇款时 ，本行扣除手续费后，净额再汇入贵行账户内 No need for you to recover The Bank of New York Mellon service charges from beneficiary 贵行无需承担帐务费用 Options: All MT103 non-bank cu
16、stomer transfers MT202 - L/C and Export collection transactions Only those transactions bearing certain reference number in field 21, or ALL transactions, except certain reference numbers in field 21,To Reduce Your Funds Transfer Cost 减少贵行的汇款成本,30,Fixed charges borne by remitting party 本行跟汇款银行收取固定手续
17、费 /FULLPAY/ is The Bank of New York Mellon codeword used only in your MT103swhen you would like to effect full payment of the principal amount to the beneficiary. 透过本行汇款时， 贵行如需全额到帐至收款人的账户， 只需在MT103的报文中 放入 / FULLPAY / 的指示即可。 MT103 formatting 报文格式如下 : 71A : OUR : 72 : /FULLPAY/,FULLPAY Service 全额付款服务,
18、31,The Bank of New York Mellon will pass on your charges: OUR instruction to the intermediary bank (if any) or the beneficiary bank. In most cases, these banks will follow the instruction by passing on full proceeds to the beneficiary and claiming related fees from us. 本行会把贵行要求全额到帐（OUR）的付款指示发送给中间银行或
19、收款行。 在大部 分情况中，这些银行会根据汇款指示全额到账至收款人账户， 反向本行收取相关的 手续费 There is a charge back fee of $25 on your monthly service charge advice to cover the fee subsequently claimed by the intermediary/beneficiary bank. 此服务的手续费为每笔25美元，已包含中间行或收款行向本行收取 相关的全部费用，这个手续费将会显示在贵行每个月的帐务服务费 账单中,FULLPAY Service 全额付款服务,32,Time-sensi
20、tive payments can be marked for priority 优先处理针对时效性的汇款 Field 72 : /EARLY/ (or /PRIORITY/) Applicable to MT103 and MT202 subject to availability of balance 当贵行账户余额充足时，此付款方式适用于MT103及MT202的汇款 Recommend coordination with our Shanghai Customer Service Team 可要求本行上海客服的同仁来协助处理,PRIORITY Payments 优先付款,33,The B
21、ank maintains a computer file of Beneficiary Bank S.W.I.F.T. addresses and CHIPS UIDs, including their U.S. correspondents 本行的电子文档存有收款行往来 Swift address和CHIPS UID的详细资料， 包括这些收款行在美国的代理行 Payments to Beneficiary Banks that do not have accounts at The Bank will be automatically routed to the U.S. bank lis
22、ted in the file 当收款行并未与本行开立美元帐户时，本行汇款系统将提供自动搜寻 中间行的服务,Automated Intermediary Service 自动选择中间行的服务,34,Benefits: 优点 No need to maintain files or refer to CHIPS guides to identify Intermediary Banks to pay through 在执行汇款过程中无需维护文档或参考CHIPS目录而选择中间银行 No operator intervention charge if the Beneficiary Bank is
23、identified with S.W.I.F.T. address or CHIPS UID 收款银行有SWIFT的资料或CHIPS UID号码，则无需支付人工干预的费用 The Bank assumes liability for mis-sent payments 如果造成汇款发生错误时，纽约梅隆银行将承担所有的责任,Automated Intermediary Service自动选择中间银行服务,35,Eligibility: MT103s MT202s of less than $50,000,Automated Intermediary Service自动选择中间银行服务,36,S
24、ample MT103 20:ABC123 50:Originator 56: 57:Beneficiary Banks CHIPS UID or SWIFT address 59:Beneficiary,Automated Intermediary Service自动选择中间银行服务,37,We begin processing your MT103s at about 21:30 NYC time after completion of batch running for the day, and send our MT103 to Beneficiary Bank immediately
25、 纽约梅隆银行在完成当日的备份处理之后，于每天的纽约时间21:30执行贵行所 发出的MT103， 并立即发送我行的MT103给收款银行 Cover is sent when CHIPS/Fedwire opens or via book transfer, if applicable 头寸会透过CHIPS/Fedwire开始运行时或账簿上转帐来执行 Avoids delays associated with time zone differences 避免由于不同时区所造成的延迟,MT103 Early Processing Service 提早放行服务,38,To qualify for M
26、T103 early processing, you must meet the following criteria 符合MT103提早放行服务的必要条件如下： Your bank has sufficient balance 贵行帐上必须存放足够的余额 MT103 goes straight through MT103 必须要符合直通率的格式 The Bank maintains authenticated swift key with bene bank 本行必须和收款行有authenticated swift key的交换 Field 57 must not include an ac
27、count number with intermediary bank. It should be either a CHIPS UID or Swift address (not dual identifier) 57栏不得与中间银行有户头往来， 它必须要有CHIPS UID号码或 SWIFT address（二选一） The payment order does not involve any blocked entities 汇款的指示中不能与任何制裁的名单相抵触,MT103 Early Processing Service提早放行的服务,39,For returned funds, B
28、NYM send a swift message to your bank stating: 当款项退款时，纽约梅隆银行会发送一个邮件到贵行： Reason for return, if stated by payee bank 如果国外的汇款银行有告知退款理由，我们会在报文中告知 Funds will be held for 5 working days, pending your guidance 我们会把汇款款项保留5个工作日， 直到接到贵行的进一步指示 Funds will be re-credited to your account if no instruction is rece
29、ived from your bank within the specified time frame 如果没有接到贵行的进一步指示，我们会把汇款款项退还至贵行的账户 Reduces your reconcilement problems 减少贵行销账的困扰 No extra transactional fee for re-effected payments 当重新汇款时， 没有任何额外的手续费发生,Special Return of Funds Processing特殊退款服务,Client Services Contacts 纽约梅隆银行上海客服团队,The Bank of New Yo
30、rk Mellon, Shanghai Branch Address: 41st Floor Hang Seng Bank Tower, 1000 Lujiazui Ring Road, Pudong New Area, Shanghai 200120 Fax: 86-21-5882-3025 SWIFT: IRVTCNSH Hotline: 800-820-6818 Group Email: ChinaCSU Working Hour: 8:30 am 7:00 pm,Ms. Cathy Wang 王倩， Manager Tel: 86-21-3866-1186 Cell: 86-158-0
31、177-3673 Email: Mr. Jay Li 李杰 Tel: 86-21-3866-1196 Email: Ms. Kitty Zhou 周莹 Tel: 86-21-3866-1199 Email: Ms. Lucinda Bian卞佳敏 Tel: 86-21-3866-1222 Email: Ms. Ada Zhang张颖 Tel: 86-21-3866-1194 Email: ,40,Funds Transfer Services,41,Regular Services - Unable to apply Confirmation of credit - Non-receipt o
32、f funds - Return of funds - Account search - Funds block inquiry Service charge inquiry Back valuation Overdraft Interest - Late Night Investment & adjustment - Monthly Account Statements,Special Services - Multicurrency payment SWIFT formatting Fullpay Priority payment Handling of urgent cases Othe
33、r special requests of clients,Trade Finance Services,42,- LC advising inquiry (e.g. non receipt of LC) - LC payment inquiry (e.g. non receipt of acceptance or funds) - Reimbursement Claim to BNY Mellon - IGC inquiry (Internet Global Collection) - Forfeiting (procedure, credit line, pricing inquiry e
34、tc) - Import Financing (procedure, credit line pricing inquiry etc),台湾汇款清算系统,台湾境内美元汇款方案,44,台湾美元清算支付系统 流程图,45,美元清算银行,美元跨行 基金专户,A银行 调拨专户,N银行 调拨专户,B银行 调拨专户,跨行系统结账后基金回拨（2）,减少跨行基金(3),增加跨行基金(3),兆丰商银同资系统,财金公司,A银行 美元跨行基金,B银行 美元跨行基金,N银行 美元跨行基金,美元跨行通汇系统,一般跨行交易(2),跨行作业平台端,台湾集中保管结算所 美元票债券交割系统,调拨专户增减,增加跨行基金（2）,增
35、加跨行基金（1）,减少跨行基金（4）,减少跨行基金（2）,跨行系统结账后基金回拨（1）,调拨专户增减（2）,A银行,B银行,C银行,N银行,参加单位端,美元票券等交割,增加跨行基金（4）,（3）,（1）,一般跨行交易,减少跨行基金（1）,调拨专户增减（1）,SWIFT 调 拨 专 户 增 减,46,台湾 ： 33家台资银行与纽约梅隆银行成立代理行关系并设立美元帐户,47,中国 ： 45家中资银行与纽约梅隆银行成立代理行关系并设立美元帐户,48,中国 ： 45家中资银行与纽约梅隆银行成立代理行关系并设立美元帐户,使用时，直接删除本页！,精品课件，你值得拥有！,精品课件，你值得拥有！,使用时，直接删除本页！,精品课件，你值得拥有！,精品课件，你值得拥有！,使用时，直接删除本页！,精品课件，你值得拥有！,精品课件，你值得拥有！,The Key Components of Our Brand,52,People,Partnership,Performance,