產(chǎn)品說(shuō)明

中國(guó)銀行巴黎分行在進(jìn)口信用證或進(jìn)口代收項(xiàng)下，憑有效憑證和商業(yè)單據(jù)代進(jìn)口商對(duì)外墊付進(jìn)口款項(xiàng)的短期資金融通。

產(chǎn)品功能

用于滿足進(jìn)口商在進(jìn)口信用證或進(jìn)口代收項(xiàng)下的短期資金融通需求。按結(jié)算方式分為進(jìn)口信用證押匯和進(jìn)口托收押匯；按押匯幣種分，可分為外幣押匯和歐元押匯；按墊付資金來(lái)源分為自有資金對(duì)外墊付和海外聯(lián)行墊付(海外代付)。

產(chǎn)品特點(diǎn)

1.減少資金占?jí)?。利用銀行資金進(jìn)行商品進(jìn)口和國(guó)內(nèi)銷售，不占?jí)喝魏钨Y金即可完成貿(mào)易、賺取利潤(rùn)；

2.把握市場(chǎng)先機(jī)。幫助進(jìn)口商在無(wú)法立即支付貨款的情況下及時(shí)取得物權(quán)單據(jù)、提貨、轉(zhuǎn)賣，從而搶占市場(chǎng)先機(jī)；

3.提高議價(jià)能力。通過(guò)將付款期限由遠(yuǎn)期改為即期，或相應(yīng)縮短遠(yuǎn)期付款的期限，可以幫助進(jìn)口商提高對(duì)國(guó)外出口商的議價(jià)能力；

4.節(jié)約財(cái)務(wù)費(fèi)用?？筛鶕?jù)不同貨幣的利率水平選擇融資幣種，從而節(jié)約財(cái)務(wù)費(fèi)用。

利率

融資利率按中國(guó)銀行巴黎分行對(duì)貿(mào)易融資業(yè)務(wù)的利率授權(quán)執(zhí)行。

適用客戶

1.進(jìn)口商遇到臨時(shí)資金周轉(zhuǎn)困難，無(wú)法按時(shí)付款贖單；

2.進(jìn)口商在付款前遇到新的投資機(jī)會(huì)，且預(yù)期收益率高于押匯利率。

申請(qǐng)條件

1.依法核準(zhǔn)登記，具有經(jīng)年檢的法人營(yíng)業(yè)執(zhí)照或其他足以證明其經(jīng)營(yíng)合法性和經(jīng)營(yíng)范圍的有效證明文件；

2.具有進(jìn)出口經(jīng)營(yíng)資格。

3. 在中國(guó)銀行巴黎分行有相應(yīng)授信額度。

辦理流程

1.我行應(yīng)進(jìn)口商申請(qǐng)為其核定授信額度。

2.進(jìn)口商向我行提交進(jìn)口押匯申請(qǐng)書。

3.我行代進(jìn)口商對(duì)外墊付押匯款項(xiàng)，并將單據(jù)交付進(jìn)口商。

4.進(jìn)口商到期向我行付款，用以歸還押匯款項(xiàng)。

溫馨提示

1.需向開證行或指定代收行提出書面的進(jìn)口押匯申請(qǐng)；

2.在押匯銀行核定了授信額度或申請(qǐng)了單筆授信；

3.與銀行簽訂正式押匯協(xié)議，確定金額、期限、利率、還款日期等；

4.進(jìn)口押匯是一種專項(xiàng)融資，僅可用于履行特定貿(mào)易項(xiàng)下的對(duì)外付款責(zé)任；

5.押匯期限一般與進(jìn)口貨物轉(zhuǎn)賣的期限相匹配，并以銷售回籠款項(xiàng)作為押匯的主要還款來(lái)源。

Description

It is a short-term finance facility with which BOC Paris Branch advances import payments with valid vouchers and commercial documents on behalf of the importer under import L/C or inward collection.

Functions

The product is intended to meet exporters’ short-term finance needs under import L/C or inward collection. By settlement method, it is divided into import bill advance under import L/C and import bill advance under inward collection. By currency, it is divided into foreign-currency import bill advance and euro import bill advance. By source of advance payment, it is divided into import bill advance with proprietary funds and import bill advance by overseas sister bank.

Features

1. Reduce the fund occupation. Bank funds are leveraged to import commodities and sell them in domestic market, so as to complete trade and earn profits without tying up any fund.

2. Gain first-mover advantage. This product helps the importer to obtain the documents of title, take delivery of goods and resell them in time when they cannot immediately pay for the goods, so as to gain the first-mover advantage.

3. Improve the bargaining power. By changing the payment term from deferred payment to sight payment or shortening deferral period, the product improves the importer’s bargaining power with foreign exporters.

4. Save financial expenses. The importer can select the currency of financing according to interest rates of different currencies, so as to save financial expenses.

Interest rate

The interest rate is to be determined according to BOC Paris Branch’s authorization regarding trade finance.

Target customers

1. The importer encounters temporary liquidity difficulties and cannot make timely payment to retire the documents.

2. The importer finds new investment opportunities before making payment, and the expected rate of return is higher than the interest rate for import bill advance.

Applicant eligibility criteria

1. Registered upon approval in accordance with the law; has a corporate business license that has passed the annual review or other valid supporting documents for its legality and scope of business;

2. The applicant is qualified for imports and exports.

3. Has relevant credit line with BOC Paris Branch.

Handling procedure

中國(guó)銀行：BOC

進(jìn)口商：Importer

出口方銀行：Exporter's bank

1. Apply for import bill advance

2. Sign agreement on import bill advance

3. Pay for the goods when due

4. Delivery of documents

5. Payment

1. The Branch grants a credit line to the importer upon its application.

2. The importer submits an application for import bill advance to the Branch.

3. The Branch makes advance payment on behalf of the importer and delivers the documents to the importer.

4. The importer makes payment to the Branch when due to repay the advance.

Tips

1. A written application for import bill advance should be submitted to the issuing bank or the nominated collecting bank;

2. The importer should have an approved credit line with the advancing bank or have applied for an individual credit facility to it;

3. The importer should sign a formal import bill advance agreement with the bank to specify the amount, tenor, interest rate, repayment date, etc.;

4. Import bill advance is a form of special finance. It is only used to discharge foreign payment obligations under specific trade transactions;

5. The term of advance payment generally coincides with the resale period of imported goods, and the sales proceeds are taken as the main source of repayment.