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歡迎選用滙豐環球貿易及融資服務Welcome to HSBC Global Trade and Receivables Finance

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滙豐環球貿易及融資服務指南憑藉逾140年服務環球的經驗，我們的環球貿易及融資服務專才以全面支援及跨國貿易知識，助您透徹了解及開拓新的市場。

滙豐在超過80個國家和地區設有約7,000間辦事處，無論您身在何處，我們都能為您提供專業的貿易服務。不論您是進口或出口商，滙豐環球貿易及融資方案也能助您減低國際貿易中的潛在風險，讓您專注業務發展。

HSBC Global Trade and Receivables Finance GuideOur global trade and receivables finance experts can provide support

and knowledge based on experience around the world for over 140 years

to help you turn new markets into familiar territory.

With around 7,000 offices in more than 80 countries and territories,

HSBC is right where you need us to be. Whether you are an importer or

exporter, HSBC Global Trade and Receivables Finance solutions can help

you reduce the inherent risks of international trade, so you can focus on

the task at hand – growing your business.

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目錄 Contents

I 滙豐環球貿易及融資服務概覽 A Quick Guide to HSBC Global Trade and Receivables Finance Services 6-7

II 出口 Export 8-17

i 出口服務 Export Services

a 信用證通知 Documentary Credit Advising

b 已轉讓信用證 Transferred Documentary Credits

c 出口票據託收 Documentary Collections

d 保兌信用證 Documentary Credit Confirmation

ii 出口貿易融資 Export Trade Financing

a 出口信用證議付 Export Documentary Credit Negotiation

b 承兌交單╱付款交單買單 DA/DP Purchases

c 打包放款╱生產貸款 Packing Credit/Manufacturer's Advance

d 出口貸款 Export Loans

e 無追索權票據貼現 Non-Recourse Discounting

f 「押滙易」出口融資 Easy Export Finance

g 貿易保 TradeSure

III 進口 Import 18-25

i 進口服務 Import Services

a 進口信用證 Import Documentary Credits

b 可轉讓信用證 Transferable Documentary Credits

c 背對背信用證 Back-to-Back Documentary Credits

d 備用信用證 Standby Documentary Credits

e 提貨擔保書 Shipping Guarantees

f 進口票據託收 Documentary Collections

g ChinaExpress

ii 進口貿易融資 Import Trade Financing

a 進口貸款 Import Loans

IV 各種貿易付賬方法 Various Payment Methods 26-27

V 人民幣貿易結算服務 RMB Trade Settlement Services 28-29

VI 其他貿易服務 Other Trade Services 30-35

i 銀行保函 Bank Guarantee

ii 商業綜合戶口有抵押信貸 Business Integrated Account Secured Credit Facility

iii 貿易保障 Trade Protection

a 貿易信用保險 Trade Credit Insurance

b 海運貨物保險 Marine Cargo Insurance

VII 其他增值服務 Other Value Adding Services 36-39

i Instant@dvice ii 跟單信用證保管服務

Documentary Credit Safe Custody iii 貿易文件追蹤器

Document Tracker

VIII 網上貿易服務 Internet Trade Services 40-45

i 查詢及申請貿易交易 Enquiries and applications for trade transactions

ii 設定審批權限 Authorisation matrix set-up

IX 您的交易流程 ─ 滙豐專業服務助您營商致勝 Your transaction flow – make your winning moves with our professional support 46-55

X 常用表格 Commonly Used Forms 56-61

i 不可撤銷跟單信用證申請書 Application for Irrevocable Documentary Credit

ii 轉讓跟單信用證權益指示（有發票及匯票替代） Instructions for Transfers of Credit (With Substitution of Invoices)

iii 出口貿易託收╱議付指示 Export Trade Collection/Negotiation Instructions

註：Notes:

1. 在本指南提及之信用證，如非另外標示，皆為跟單信用證。 This guide abbreviates 'Documentary Credit' to 'DC' for simplicity.

2. 您可透過QR碼閱讀器直接連接到有關項目所提及的超連結。 You can use a QR code reader to open directly the URL listed.

3. 香港上海滙豐銀行有限公司（「本行」）不會要求您下載，亦不會推薦或認可任何快速反應碼解碼器("QR 解碼器")。您對QR解碼器的下載和／或使用擁有完全的自主決定權並同意承擔所有風險。QR解碼器由第三方提供，而本行與／對該第三方無任何關係亦無控制權，因此本行對您因下載和／或使用QR解碼器而遭受的任何損失概不承擔任何責任。 The Hongkong and Shanghai Banking Corporation Limited ("The Bank") does not make it an obligation on you to download, nor does the Bank recommend or endorse, any Quick Response Code Reader ("QR Code Reader"). The download and/or use of a QR Code Reader is at your entire discretion and risk. The QR Code Reader is provided by a third party to which the Bank has no affiliation or control over and hence the Bank cannot be held responsible for any loss or damage suffered by you resulting from your download and/or use of the QR Code Reader.

4. 環球貿易及融資服務下之交易或需經信貸審批。其他限制，包括特定國家的規定，可能適用。外匯匯率可能適用於某些貿易交易。 Global Trade and Receivables Finance transactions may be subject to credit approval. Other restrictions, including specific country regulations, may apply. Foreign exchange rates may apply to certain trade transactions.

5. 本行保留隨時修改、暫停或終止滙豐環球貿易及融資服務下的所有產品／服務及相關的備註／條款及細則的權利。如有任何爭議，本行保留一切最終決定權。 The Bank reserves the right to vary, suspend or cancel any products/services and the relevant notes/terms and conditions of HSBC Global Trade and Receivables Finance at any time. In the event of any disputes, the decision of the Bank on all matters shall be final.

6. 本指南的中英文本如有歧義，概以英文本為準。 In case of any discrepancies between the English and Chinese versions, the English version shall prevail.

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DC Advising For your customers to have their DCs advised to your account, you should provide the following information to your

customers and request them to appoint HSBC as the advising bank.

• NameofBank:TheHongkongandShanghaiBankingCorporationLimited

• Address:Level2,HSBCBuildingMongKok,673NathanRoad,MongKok,Kowloon,HongKong

• SWIFT:HSBCHKHHHKH

• Yourexportaccountnumber

Contact us HSBCGlobalTradeandReceivablesFinancehotline

• Call(852)27488288,andpress2forEnglishthenpress#4

• IfyouareinmainlandChina,youcancallourtoll-freenumber0080000007000byusinglandlineswithinternationaltelephone services

[email protected]

Form download Visit www.commercial.hsbc.com.hk

• Choose'QuickLinks',then'FormDownloadCentre'

• Select'TradeandSupplyChainForms'fromthemenuontheleft

Track Import and Export Bills DocumentTrackerserviceenablesyoutotrackdocumentssentinternationallybyHSBCofficesin HongKong

• Visit www.commercial.hsbc.com.hk

• Choose'ProductsandServices',then'ImportandExport'

• Choose'ExportServices',then'DocumentTracker'

信用證通知為使您的客戶能發出信用證通知到您的戶口，您須向客戶提供以下資料並要求他們把滙豐作為您的信用證通知銀行。

• 銀行名稱：TheHongkongandShanghaiBankingCorporationLimited

• 銀行地址：Level2,HSBCBuildingMongKok,673NathanRoad,MongKok,Kowloon,HongKong

• SWIFT地址：HSBCHKHHHKH

• 您的出口戶口號碼

聯絡我們滙豐環球貿易及融資服務熱線

• 致電（852）27488288，並於選擇語言（廣東話請按1／普通話請按3）後按#4

• 若您身處中國內地，您可使用備有國際電話功能的固網電話致電免費熱線0080000007000

發電郵到[email protected]

表格下載瀏覽www.commercial.hsbc.com.hk

• 於「捷徑」中選擇「表格下載中心」

• 於左邊目錄中選擇「貿易及供應鏈業務表格」

追蹤出口及進口押匯單貿易文件追蹤器可讓您追蹤透過本港滙豐送交海外的貿易文件

• 瀏覽www.commercial.hsbc.com.hk

• 選擇「產品及服務」後，再選擇「進出口服務」

• 選擇「出口貿易」然後揀選「貿易文件追蹤器」

滙豐環球貿易及融資戶口名稱

滙豐環球貿易及融資進口戶口號碼 – –

滙豐環球貿易及融資出口戶口號碼 – –

HSBCGlobalTradeandReceivablesFinanceAccountName

HSBCGlobalTradeandReceivablesFinanceImportAccountNumber – –

HSBCGlobalTradeandReceivablesFinanceExportAccountNumber – –

I 滙豐環球貿易及融資服務概覽I A quick guide to HSBC Global Trade and

Receivables Finance Services

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i 出口服務

a. 信用證通知

信用證通知如何運作？■由滙豐出口貿易專員代您審查收到的信用證，確保為有效文件

■然後您可安排裝運貨物

■在收到開證銀行交來的信用證後24小時內，信用證將送達您手

優點■如信用證是由滙豐其他辦事處開立，滙豐可更有效率地與有關方面聯絡

■您可同時選用滙豐信用證通知服務及免費的信用證保管服務

■滙豐能夠為您提供國際貿易資訊和開拓新市場的建議

b. 已轉讓信用證

已轉讓信用證如何運作？

如果您的客戶是中介人、貿易行或採購公司，您可能會收到一份已轉讓信用證作為付款工具。當最終買家向您的客戶發出一份可轉讓信用證，您的客戶即把信用證的全額或部分款額轉讓給您，以向您購買貨物和支付貨款。當最終買家付款給您的客戶時，您亦會同時收到貨款，以及從信用證的款項中得到您應得的部分。

優點■如果您不能確定客戶的財務狀況，這種付款方式可為已確認訂單提供保證，讓您倍感安心

■在某些規定必須使用信用證交易的國家，讓收證人可順利獲得融資

潛在風險■由於您無法控制您的客戶能否呈示符合可轉讓信用證規定的文件，故此對方或未能妥善處理文件，導致款項出現問題

■您的客戶可能沒有把其後對信用證正本所作的修改轉讓給您，您因而無法履行可轉讓信用證的要求

註：風險水平視乎可轉讓信用證及轉讓安排的條款。

II 出口

i Export Services

a. Documentary Credit Advising

How DC Advising works?

■ OurexporttradespecialistschecktheauthenticityofDCsissuedtoyou

■ Youcannowstartarrangingshipment

■ ADCwillreachyouwithin24hoursofreceiptfromtheissuingbank

Benefits■ For DCs issued by other HSBC offices, communications are streamlined

■ YoucancombineDCAdvisingwithourfreeDCSafeCustodyservice

■ Youcanseekadviceontradinginternationallyandexpandingintonewmarkets

b. Transferred Documentary Credits

How Transferred DC works?

Ifyourcustomerisamiddleman,tradinghouseorsourcingoffice,youmightreceiveaTransferredDCasthepaymentmethod.TheultimatebuyerissuesaTransferableDCtoyourcustomerwhothentransfersallorpartoftheDCtoyoutosourcethegoodsandeffectpayment.Youarepaidwhentheultimatebuyerpaysyourcustomerand,fromtheproceeds, your share of the payment is credited to you.

Benefits

■ Gives you assurance of a confirmed order and peace of mind if you are uncertain of the financial standing of your customer

■ EnablestherecipienttosecurefinancinginsomecountrieswhereaDCisrequired

Potential risks

■ YourcustomercouldmishandlethedocumentsandputthepaymentatriskasyoudonothaveultimatecontroloverthepresentationofcompliantdocumentsundertheTransferableDC

■ YoucannotfulfiltherequirementsoftheTransferableDCifyourcustomerdoesnottransfersubsequentamendments to the original DC to you

Note:ThelevelofriskdependsonthetermsoftheTransferableDCandthetermsofthetransfer.

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c. 出口票據託收

出口票據託收如何運作？

您的供應商在完成貨物裝運並取得必需單據後，即把這些單據連同他的指示呈示給其銀行，該銀行會把上述單據轉交至您的銀行，以安排付款。若採用付款交單託收（D/P），進口單據會在付款後發放給您；若採用承兌交單託收（D/A），進口單據則在您承諾付款後發放給您。

當買家不願意開立信用證時，這是個安全的交易方法，讓您有更大議價能力，爭取更有利的交易條款和訂價。

優點■簡單而具成本效益

■滙豐代您收取票據和賬款

■作為買家，接納票據託收較開立信用證更方便，成本更低

■減低發生爭議的機會，因為票據託收是受信用證託收統一規則URC522所規管，參與交易各方的責任、權益和費用都已清楚界定

■滙豐國際網絡可助您追收欠款

潛在風險■由於您只能在貨物裝運後才獲得支付貨款，您須承擔在買家付款或承兌之前的一切風險，包括貨物搬運途中或存倉期間

■涉及交易的各間銀行並不保證付款

註：在同意選用票據託收方式進行交易前，務須查核買家的信譽和信用狀況。

d. 保兌信用證

保兌信用證如何運作？

保兌信用證是由第二所銀行對信用證作出擔保。當信用證持有人及開證銀行也沒法付款時，此銀行將履行信用證的承諾。

■提供信用證的雙重付款保證

■進一步減低您的交易風險

■滙豐為多所開證銀行提供信用證保兌服務

優點■滙豐承諾在符合規定單據的情況下付款，即使開證銀行無法付款

■一般用於與發展中國家的交易

■滙豐一旦付款，即再無追索權，助您撇除賬項中的或有負債

■特惠收費

■滙豐的環球網絡，為您提供有關開證銀行財政實力和資信狀況的情報

c. Documentary Collections

How Documentary Collections work?

Having shipped the goods, your supplier presents the necessary documents, together with supplier's instructions, tohisbankwhichforwardsthedocumentstoyourbankforpayment.WithaDocumentaryCollectionagainstpayment(D/P),importdocumentsarereleasedtoyouonpayment.WithaDocumentaryCollectionagainstacceptance(D/A),thedocumentsarereleasedtoyouagainstyourpromisetopay.

ThisisasecurewaytotradeifyourbuyerdoesnotissueDCs,andputsyouinapositiontonegotiatebettertermsand prices.

Benefits■ Simple and cost effective

■ Documents and payment collections are handled by HSBC on your behalf

■ EasierandcheaperforbuyerstoreceiveDocumentaryCollectionsthantoissueDCs

■ ReducesdisputesasDocumentaryCollectionsaregovernedbyURC522whichclearlydefinestheresponsibilitiesofdifferentparties,alongwithinterestandexpenseissues

■ AccesstoHSBC'sglobalnetworkmakesiteasiertochaseoutstandingpayments

Potential risks■ Youbeartheriskwhilegoodsareintransitorstorageuntilpaymentoracceptancetakesplacebecause

payment is not made until after the goods are shipped

■ Noguaranteeofpaymentfromthebanksinvolvedinthetransaction

Note:Youshouldalwayscheckabuyer'screditstatusandreputationbeforeagreeingtoaDocumentaryCollection.

d. Documentary Credit Confirmation

How DC Confirmation works?

ADCisguaranteedbyasecondbankwhichundertakestohonourtheDCintheeventthattheDC'sholderandtheoriginal, issuing bank both fail to make payment.

■ Double protection for DC payments

■ Furtherreducesyourexposuretorisk

■ HSBC provides DC Confirmation for a very wide range of DC issuing banks

Benefits

■ AssurespaymentbyHSBCagainstcompliantdocumentseveniftheDCissuingbankisunabletopay

■ Commonly used for business transactions with buyers in developing countries

■ Eliminatesthecontingentliabilityinyourbooksaspayment,oncereceivedfromHSBC,iswithoutrecourse

■ Competitive rates

■ HSBC's global network provides intelligence on the financial strength and standing of the DC issuing bank

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ii 出口貿易融資

a. 出口信用證議付

出口信用證議付如何運作？

銀行先購買貨物裝運後的匯票，然後連同其他必需的商業和運輸單據呈示給買家銀行。

■您向滙豐呈示信用證的裝運單據，即可獲支付賬款

■改善您的現金流

■減低買方不付款的風險

優點■讓您可利用銷售所得立即進行再投資

■讓您的客戶得到更多付款選擇，而不影響您的現金流

■由經驗豐富的滙豐專員為您核對單據並改正錯誤，確保完全符合信用證的條款，才遞交給開證銀行

■毋須備有信貸便利

■快捷方便─若您在中午前呈示單據，如沒有不符點，貨款一般會在同一天存入您的戶口

■議付出口信用證所得的款項可用來償還打包放款或進口貸款

b. 承兌交單╱付款交單買單

承兌交單╱付款交單買單如何運作？

透過滙豐的信貸服務，我們可購買您的票據託收。您將會獲得一筆在承兌交單託收（D/A）或付款交單託收（D/P）安排下預期可從買家收到的貨款而定的現金墊款。當買家繳付賬單後，滙豐會以收取到的貨款償還您的貸款，從而促進您的資金周轉。

■憑在票據託收安排下預期可從買家收到的貨款，取得銀行現金墊款

■改善您公司的現金流

■讓您把貨款立即進行再投資

優點■減低海外買家賒賬對您業務的影響

■讓您的客戶得到更多付款選擇，而不影響您的現金流

■出口信用保險為出口票據託收提供優惠條件

ii Export Trade Financing

a. Export Documentary Credit Negotiation

How Export Documentary Credit Negotiation works?

Abankpurchasespost-shipmentbillsofexchangeforonwardpresentationtothebuyer'sbankwiththenecessarycommercial and transport documents.

■ YoureceiveimmediatepaymentonpresentationofshippingdocumentsunderaDCtransaction

■ Cash flow is improved

■ Riskofnon-paymentisreduced

Benefits■ Allowsyoutoreinvestsalesproceedsimmediately

■ Offers more payment options to your customers without a negative impact on your cash flow

■ ExperiencedHSBCstaffcheckdocumentsandcorrecterrorstoensurecompliancebeforesubmissiontotheDC issuing bank

■ Nocreditfacilitiesarerequired

■ Fast and convenient – if documents are presented before noon and have no discrepancies, the funds will usually be advanced to you on the same day

■ ProceedsfromExportDCNegotiationcanbeusedtosettlepackingcreditsorimportloans

b. DA/DP Purchases

How DA/DP Purchases work?

ThroughacreditfacilitywithHSBC,wecanpurchaseyourDocumentaryCollections.AcashadvanceisprovidedagainstanexpectedpaymentfromyourbuyerunderDocumentsagainstAcceptance(DA)orDocumentsagainstPayment(DP)collections.Whenthebillispaid,HSBCkeepstheproceedstopayofftheloan,therebyimprovingyour cash flow.

■ ReceivesacashadvanceagainstanexpectedpaymentunderDocumentaryCollections

■ Improvescashflow

■ Allowsyoutoreinvestyoursalesproceedsimmediately

Benefits

■ Minimisestheimpactofexportbillsonyourbusiness

■ Offers more payment options to your customers without a negative impact on your cash flow

■ PreferentialtermsforDocumentaryCollectionsbackedbyExportCreditInsurance

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c. 打包放款╱生產貸款

打包放款╱生產貸款如何運作？

由銀行向出口商借出的墊款，用以支付在裝運前有關貨物之採購、處理、生產或包裝費用。這項貿易融資服務是按海外買家開立的信用證而為出口商或其他人士提供。

■可為您提供營運資金，以履行訂單

■適用於所有備運經費

■利率較傳統透支貸款為低

優點■靈活而又較長的融資期─一般為付運日期前90天

■適用於如購買原材料和工資等的生產成本

■在貨物裝箱和等候付運期間，支援您的現金流

■以信用證收到的賬款或買家的匯款分期償還貸款

■可根據您的業務需要釐定貸款條件

■讓您為貿易夥伴提供更具競爭力的交易條件，從而開拓新商機

d. 出口貸款

出口貸款如何運作？

出口貸款以付運中的貨物或交易憑證作為貸款的抵押品。

■如果您是以記賬方式經營貿易，出口貸款可為您提供付運後融資


■特惠貸款利率

優點■申請手續簡易─只須遞交發票和裝運單據副本

■手續費低廉，並可直接獲得貸款

■即使買家要求較長賬期，仍然可以把握其他營商良機

■毋須以出口貨物作抵押

■為您的實際業務而設，確保您在貿易周期內獲得足夠資金

c. Packing Credit/Manufacturer's Advance

How a Packing Credit/Manufacturer's Advance works?

Anadvanceisprovidedbyabanktoanexportertofinancethepurchase,processing,manufacturingorpackingofgoodspriortoshipment.ItisprovidedonthebasisofaDC(orequivalentinstrument)openedinexporter'sfavour,or in favour of some other person, by an overseas buyer.

■ Gives you working capital to fulfil orders

■ Coversallpre-shipmentcosts

■ Attractslowerinterestratesthantraditionaloverdrafts

Benefits

■ Anextended,flexiblefinanceperiod–usually90daysbeforetheshipmentdate

■ Thecreditcoversmanufacturingcostssuchasrawmaterialsandemployeewages

■ Supports cash flow while goods are being packed and waiting for shipment

■ Repaidpro-ratafromDCproceedsorbuyerremittance

■ Credit terms can be structured to suit your business

■ Winnewbusinessbyofferingmorecompetitivetermstotradingpartners

d. Export Loans

How Export Loans work?

Exportloansusethegoodsbeingshipped–orproofofthetransaction–ascollateralfortheloan.

■ Immediatepost-shipmentfinanceforopenaccounttrading


■ Competitive interest rates

Benefits

■ Easytoapplyfor–simplysubmityourinvoiceandacopyoftheshippingdocuments

■ Lowhandlingchargesandstraightforwardsettlement

■ Nomissedbusinessopportunitieswherebuyersrequirelongcreditperiods

■ Anexportloanisnotsecuredbytheexportedgoods

■ Structured to ensure your trade cycle is financed adequately

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e. 無追索權票據貼現

無追索權票據貼現如何運作？■您可在信用證開證銀行接納單據後，即時獲發貸款

■將壞賬風險轉移給滙豐

■將貿易融資所造成的負債限在一定水平內

優點■開證銀行在同意付款後，滙豐會立即付款給您，毌須久候

■滙豐一旦付款，即被視為最終結算，即使滙豐其後在代收賬款時遇到問題


■撇除您公司資產負債表上的或有負債

■提高您公司的財政融資能力

f. 「押滙易」出口融資

「押滙易」如何運作？

「押滙易」是一個快捷、簡便的貸款方案，讓您把出口信用證轉換為即時現金，令資金周轉更靈活。

■總融資金額高達港幣2,000,000元

■毋須提供財務報表（適用於合資格客戶）或有形資產作抵押

■於兩個工作天內確認申請結果

優點■特惠利率

■只須呈交出口信用證單據，即可獲支付賬款

■讓您使用銷售所得的資金立即進行再投資

■專業支援─由經驗豐富的滙豐專員為您核對單據，才遞交給開證銀行

註：申請詳情及條款和細則，請聯絡我們的環球貿易及融資服務專員。

g. 貿易保

貿易保如何運作？

如果您是以記賬方式經營出口業務，資金往往會被套牢，「貿易保」可讓您套現應收賬項，促進資金周轉。

■可提供高達發票金額100%的現金墊款

■保障您的業務不會因買家破產或拖欠貨款而受到影響

優點■改善現金流和信貸管理質素

■讓您可向客戶提供更多付款選擇

■受香港出口信用保險局提供的信用保險政策保障

■申請程序快捷簡便

e. Non-Recourse Discounting

How Non-Recourse Discounting works?

■ ImmediatepaymentonDCissuingbank'sacceptanceofdocuments

■ Transferstheriskofnon-paymenttoHSBC

■ Limitstradefinanceliabilities

Benefits

■ NodelaybetweenthetimetheDCissuingbankagreestopayandthetimepaymentismade

■ Peaceofmindthatpaymentisfinal,evenifHSBChasproblemscollectingtheexportproceeds


■ Removescontingentliabilitiesfromyourbalancesheet

■ Improvesthefinancingcapacityofyourbusiness

f. Easy Export Finance

How Easy Export Finance works?

EasyExportFinanceisaquick,efficientsolutionthattransformsyourDCsintoimmediatecashtoimproveyourcash flow.

■ TotalfinanceamountofuptoHK$2,000,000

■ Norequirementsforfinancialstatements(applicabletoeligiblecustomers)orfortangibleassetstobepledged

■ Applicationresultconfirmedwithintwoworkingdays

Benefits

■ Attractiveinterestrate

■ ReceivesimmediatepaymentonpresentationofexportdocumentsunderaDCtransaction

■ Allowsyoutoreinvestsalesproceedsimmediately

■ DocumentscheckedbyexperiencedHSBCstaffbeforesubmissiontotheDCissuingbank

Note:PleasecontactourGlobalTradeandReceivablesFinancespecialistfortheapplicationdetailsandtheapplicabletermsandconditions.

g. TradeSure

How TradeSure works?

TradeSureadvancesfundswhicharetiedupinexportreceivables(underopenaccountterms).

■ Cashadvanceofupto100%oftheinvoicevalue

■ Protectsyouagainstbuyerinsolvencyandpaymentdefault

Benefits

■ Improvescashflowandcreditmanagement

■ Allowsyoutooffermorepaymentoptionstocustomers

■ CoveredbycreditinsurancepoliciesofferedbytheHongKongExportCreditInsuranceCompany

■ Quick and easy to set up

II

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i 進口服務 a 進口信用證

進口信用證如何運作？

信用證是銀行的一份書面承諾，只要明確界定的條款及細則得到符合後，銀行須於指定限期內就供應商所提供的貨物或服務付款。

■確保供應商在您付款之前已履行您所訂明的條款及細則

■透過信用證承諾付款給供應商，增強您的議價能力


優點■保障您和供應商的利益

■延長供應商願意給您的信貸期

■廣為供應商及其銀行所接納的付款保證

■用以代替訂金及墊款，而毌須動用進口貸款、透支額或個人資金

b 可轉讓信用證

可轉讓信用證如何運作？

可轉讓信用證讓中間商把權利和責任轉讓給最終供應商。所以，最終供應商仍須符合您所訂明的條款及細則。

下列情況普遍使用可轉讓信用證：

■當中間商無法供應信用證所指定的部分或全部貨物，因而希望轉讓信用證的部分或全部予第三方

■當中間商無法從其銀行取得背對背信用證，但最終供應商堅持要以信用證結算

■當中間商擔任採購代理，並負責向各供應商分配信用證的貨款（須分配的款額通常佔信用證的很大部分金額）

優點■讓您的採購代理可向供應商購入貨物或服務而毌須預先安排資金或信貸便利

■讓您的採購代理從多個獨立供應商購入貨物或服務

■由於參與交易的各方都須遵守相同的條款及細則，而只允許作極少量的修改，讓您對整個交易維持控制權

III 進口

i Import Services

a. Import Documentary Credits

How Import DC works?

ADCisanundertakingbyabanktopayasupplierforgoodsorserviceswithinaprescribedtimelimitaslongasclearly defined terms and conditions have been met.

■ Ensuresasupplierhasmetyourtermsandconditionsbeforeyoupaythem

■ Strengthens your negotiating position by offering a guaranteed payment

■ Improvescashflow

Benefits

■ Protectsyouandyoursupplier'sinterests

■ Increasesthecreditperiodasupplieriswillingtogive

■ Widelyacceptedaspaymentassurancebysuppliersandtheirbanks

■ Replacesdepositsandadvancesfinancedbyimportloans,overdraftsoryourowncashreserves

b. Transferable Documentary Credits

How Transferable DC works?

ATransferableDCallowsanintermediaryagenttotransfertheirrightsandobligationstoasupplier.Asaresultthesupplier is also required to meet your terms and conditions.

ATransferableDCisoftenusedwhen:

■ TheintermediaryagentisunabletosupplysomeorallofthegoodsstipulatedintheDCandthereforewishestotransfer part, or all, of the credit

■ Theintermediaryagentisunabletosecureback-to-backcreditfacilitiesfromtheirbankandthesupplierdemands settlement by DC

■ TheintermediaryagentactsasthesourcingagentandisresponsiblefordistributingportionsoftheDC(usuallyalargeamount)tovarioussuppliers

Benefits

■ Yourbuyingagentcansourcegoodsorservicesfromsupplierswithouthavingtosecurefundsorcreditfacilities

■ YourbuyingagentcansourcegoodsorservicesfrommultiplesuppliersusingoneDC

■ Youretaincontrolovertheentiretransactionasallpartiesfollowthesametermsandconditionswithonlyafewchanges allowed

III Import

III

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c. 背對背信用證

背對背信用證如何運作？

背對背信用證是貿易商、中間商和採購代理使用的工具。主信用證是由您的買家開立，承諾付款給您。根據這份主信用證，您開立另一份信用證，稱為背對背信用證，以向供應商購買貨物。

■一個合符資金效益的付款方法

■您可利用手上的信用證作抵押

■有助您控制與貿易夥伴的關係

優點■一種安全、便捷的貿易交易結算方法

■較可轉讓信用證更靈活

■保持買家與供應商的身分保密，保障您作為中間商賺取佣金的角色

■採購交易可完全配合銷售交易，有助避免出現不等點，從而減低付款風險

d. 備用信用證

備用信用證如何運作？

備用信用證一般用作為對第三方的信貸保證。目前最常用的備用信用證，均以母公司的名義開立，用以擔保其附屬公司的信貸便利，而受益人則是貸款銀行。

■作為某項協議或合約出現拖欠付款或不履約情況時的補救措施

■為您的供應商提供付款保證，使對方接受以記賬方式交易

■讓您利用本身的信貸狀況來為其他公司取得信貸安排

優點■加強公司其中一個辦事處與銀行的關係，以方便運作和管控

■用以代替履約保證金或投標擔保書

■某些不允許銀行擔保的國家，例如美國，亦接受此種付款方法

■當您向同一個供應商定期購買相約金額的貨物，可助您大大節省交易費用

e 提貨擔保書

提貨擔保書如何運作？■讓您在沒有貨運單據的情況下，馬上取得貨物

■避免不必要的延誤或錯失營商良機

■免除存倉費或滯期費

優點■可延遲繳付貨款，直至您的供應商呈示單據為止

■全球各地的船公司普遍受滙豐發出的提貨擔保書

■在接到您的申請後，滙豐會立即發出擔保書

c. Back-to-Back Documentary Credits

How Back-to-Back DC works?

Back-to-backDCsareusedbytraders,intermediaryagentsandbuyingagents.AMasterDCisissuedbyyourbuyerandispayabletoyou.BasedonthismasterDC,youissueanotherDC,knownasaback-to-backDC,topurchase goods from your supplier.

■ Acapitalefficientpaymentmethod

■ YoucanuseanexistingDCascollateral

■ Helps to protect your control over relationships with trading partners

Benefits■ Asafeandconvenientwaytosettletradetransactions

■ AmoreflexiblepaymentoptionthanTransferableDCs

■ Keepsbuyerandsupplierdetailsconfidentialsoyoucanmaintainyourcommissionincome

■ Reducespaymentriskbydovetailingsourcingandsalestransactionstoavoiddiscrepancies

d. Standby Documentary Credits

How Standby DCs work?

StandbyDCs(SDCs)aregenerallyusedtoguaranteeathird-party'screditfacility.ThemostcommontypeofSDCis opened on behalf of a parent company, in favour of the lending bank, to guarantee facilities granted to its subsidiary

■ Guaranteespaymentincaseofdefaultornon-performance

■ Gives suppliers payment assurance to accept open account trading

■ Allowsyoutoleverageyourcreditstandingtosecurebankingfacilitiesforyourothercompanies

Benefits

■ Awaytoconsolidatebankingrelationshipsinoneofficeforgreaterconvenienceandcontrol

■ Analternativetoperformanceandbidbonds

■ AcceptedincountriessuchastheUSwherebankguaranteesarenotallowed

■ Providessubstantialsavingsintransactionfeesifyoumakepurchasesofsimilaramountsatregularintervalsfrom the same supplier

e. Shipping Guarantees

How Shipping Guarantees work?

■ Goods can be possess without the transport documents

■ Avoidsunnecessarydelaysandmissedbusinessopportunities

■ Noneedtopaystoragefeesordemurragecharges

Benefits

■ Defers payment until your supplier's documents have been presented

■ Shipping guarantees issued by HSBC are widely accepted by all shipping companies

■ Ashippingguaranteecanbeissuedassoonasyoumaketheapplication

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f. 進口票據託收

進口票據託收如何運作？

您的供應商在完成貨物裝運並取得必需單據後，即把這些單據連同他的指示呈示給其銀行，該銀行會把上述單據轉交至您的銀行，以安排付款。若採用付款交單託收（D/P），進口單據會在付款後發放給您；若採用承兌交單託收（D/A），進口單據則在您承諾付款後發放給您。

■一個符合成本效益和安全的國際貿易途徑

■讓您可先取貨，後付款

■在付款時若毋須進行銀行融資，可免除安排信貸便利的需要

優點■較信用證簡易

■能以低廉成本減低您供應商承受的付款風險

■讓您立即接收貨物而不受延誤

■供應商會在您的戶口被扣賬後收到貨款，不含隱藏的利息收費，也不會造成付款延誤

g. ChinaExpress

ChinaExpress 如何運作？

ChinaExpress確保您在中國內地的供應商能夠準時收到進口信用證，減低裝運延誤的風險，助您取得供應商的信任，以及在滙豐未能依時送遞信用證時退回通知費用。

優點■所有透過滙豐位於中國內地分行發出通知的信用證，在開證銀行把信用證送達分行當天的營業時間結束前，滙豐會備妥信用證，讓您的供應商前來領取，或經速遞公司送到供應商的辦事處

■如信用證上附有聯絡詳情，滙豐內地辦事處會在指定時間內把信用證的副本傳真給供應商，或預先致電通知供應商

■如果供應商的所在地設有滙豐分行，信用證會由專人送到供應商的辦事處

■聯同我們的內地合作夥伴，滙豐的中國分行可向全國各地300多個城市的受益人發出信用證通知

f. Documentary Collections

How Documentary Collections work?

Having shipped the goods, your supplier presents the necessary documents, together with supplier's instructions, tohisbankwhichforwardsthedocumentstoyourbankforpayment.WithaDocumentaryCollectionagainstpayment(D/P),importdocumentsarereleasedtoyouonpayment.WithaDocumentaryCollectionagainstacceptance(D/A),thedocumentsarereleasedtoyouagainstyourpromisetopay.

■ Acost-effectiveandsecurewaytotradeinternationally

■ Enablesyoutoreceivegoodsbeforepayment

■ Eliminatestheneedforcreditfacilitiesifnobankfinanceisrequiredonpayment

Benefits■ AsimpleralternativetoDCs

■ Reducespaymentriskforyoursupplieratminimalcosttoyou

■ Gives you access to goods without delay

■ Suppliers are paid as soon as your account is debited with no hidden interest or payment delays

g. ChinaExpress

How ChinaExpress works?

ChinaExpressensuresthatsuppliersinmainlandChinareceiveDCsontimewhichreducestheriskoflateshipments,safeguardsyoursuppliers'trustandcomeswithamoney-backguarantee.

Benefits

■ ADCadvisedthroughanymainlandChinabranchofHSBCwillbereadyforcollectionordespatchbycouriertoyour supplier by the end of the business day after receipt from the DC issuing bank

■ IfcontactdetailsareprovidedintheDC,ourmainlandChinaofficeswillfaxacopyoftheDCorcallthesupplierwithin the turnaround period

■ IfasupplierislocatedinacitywithanHSBCbranch,wewilldelivertheDCdirecttotheirdoor

■ Alongwithourmainlandpartners,HSBCinChinacanadviseaDCtobeneficiariesinover300citiesacrossthecountry

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ii 進口貿易融資 a. 進口貸款

進口貸款如何運作？

進口貸款在您繳付貨款後和把貨物轉售出去前的期間，為您提供過渡資金，讓您保持更大的靈活性及流動性，以便捕捉每個營商良機。

■進口貸款─如果您是以信用證或票據託收方式經營貿易，您可憑信託收據獲得貨物。在這種安排下，您雖能運用有關貨物，但它們仍然屬於銀行，直到您償還貸款為止

■無抵押進口信貸─毋須信用證或票據託收的收據，您只須呈示供應商的發票及付運憑證，即可獲得墊款

優點■讓您準時付款予供應商，提升公司信譽

■高度靈活─可以得到較信用證或票據託收安排下更長的貸款期

■讓您更有能力接受較短的付款期，因此加強您對供應商的議價能力

ii Import Trade Financing

a. Import Loans

How Import Loans work?

ImportLoansbridgethegapbetweenpaymentforimportedgoodsandreceiptoffundsthroughsubsequentsales,providinggreaterflexibilityandliquiditytograspnewbusinessopportunities.

■ LoanAgainstImport–availablewhenyouaretradingunderDCorDocumentaryCollectionterms.Goodsarereleased to you under trust receipts, meaning that you can use the goods immediately but they belong to the bank until you settle the loan

■ CleanImportLoan–ratherthanbeingtriggeredbythereceiptofaDCorDocumentaryCollection,theadvanceis made on presentation of supplier invoices and evidence of shipment only

Benefits■ Timelypaymentstosupplierswillenhanceyourbusinessreputation

■ Flexible–youcanextendyourcreditperiodsbeyondthosegivenunderDCsandDocumentaryCollections

■ Yournegotiatingpositionwithsuppliersisstrengthenedasyouareabletoacceptquickpaymentterms

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這些付賬方法的主要分別在於進口商與出口商須承擔的風險程度：

1.預付款項 ─在貨物付運前付款

2.記賬 ─在貨物付運或收到貨物後付款

3.信用證 ─視乎進口商和出口商能否履行指定條款，貨款將由銀行擔保代為支付

4.票據託收 ─由銀行以代理人身分替進口商和出口商處理付款事宜

各種付賬方法比較

預付款項記賬信用證票據託收

銀行收費低低高中等

付款風險出口商對進口商的付款能力和意願有猶疑

出口商相信進口商會如期付款

若符合信用證內的條款，開證銀行保證付款

付款風險不變，但可憑貨物的控制權而減低

國家風險高—出口商要求在貨物付運前付款

低—任何情況下均不能減低國家風險

高—出口商要求設於低風險國家的銀行提供保兌承諾

中等—出口商透過銀行控制貨權文件來保留對貨物的控制權，從而減低風險

信貸安排不需要不需要需要不需要

現金流進口商擁有充裕現金；出口商需要盡早收到貨款

進口商希望延遲付款；出口商的現金流必須能夠應付延遲收款



價格進口商或能爭取折扣進口商可能為取得供應商提供的數期而支付較高的價格

出口商可能願意減低價格，以換取銀行擔保的額外保證

對價格的影響視乎託收的條款

IV 各種貿易付賬方法Themaindifferencebetweenthesepaymentmethodsisthelevelofriskfacedbytheimporterandexporter:

1. Payment in Advance — before goods are shipped

2.Open Account Payment — after goods are shipped or received

3.Documentary Credits — payment is guaranteed by a bank subject to the fulfilment of certain terms and conditions by theimporterandexporter

4.Documentary Collections—paymentishandledbybanksactingasagentsfortheimporterandexporter

Quick guide to choosing a payment method

Payment in Advance Open Account Payment Documentary Credits Documentary Collections

Bank Charges Low Low High Medium

Payment Risk Exporterhasconcernsovertheability and willingness of importer to pay

Exporteriscomfortablewiththe reliability of the importer to pay

Paymentisguaranteedbyissuing bank if terms of credit are met

Paymentriskunchangedbutmitigated by control over goods

Country Risk High—Exporterrequirespayment before shipment

Low—Doesnotmitigatecountry risk in any way

High—Exporterrequiresconfirmation from a bank in a low risk country

Medium—Exportermitigatesrisk by using the banking system to retain control over the goods by holding on to title documents

Credit Facilities Notrequired Notrequired Required Notrequired

Cash Flow Importerhasagoodcashposition

Exporterneedscashasearlyas possible

Importerwantstodelaycashoutflow

Exporter'scashflowmustbeable to support the delay





Price Importermaybeabletonegotiate a discount

Importermaypayapremiumfor supplier credit

Pricemaybelowerinexchangeforaddedsecurityofbank guarantee

Effectonpricedependsoncollection terms

IV Various Payment Methods

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人民幣貿易結算服務如何運作？

隨著越來越多企業使用人民幣作貿易結算和投資貨幣，人民幣已逐步走向國際。滙豐在中國內地服務超過140年，憑藉地理優勢及全球網絡，能夠為您提供在這個迅速發展的市場中需要的專業知識和支持。

位於中國內地指定省市的企業均可以使用人民幣就進口及出口貨物貿易、跨境服務貿易和其他經常項目交易進行結算。

優點■ 如交易使用人民幣，能夠減低兌換成本

■ 離岸兌換人民幣

■ 離岸接收及儲存人民幣貿易款項

產品與服務

人民幣應收賬項服務

■ 為您提供多種貨幣（包括人民幣）的一站式融資、收賬及信用保障方案

■ 免費的網上工具提供最新賬項資訊及助您自動提取人民幣資金

人民幣貿易結算戶口

■ 享有利息的人民幣貿易結算儲蓄戶口及備有支票服務的人民幣商業往來戶口，滿足您記賬貿易的所有需要

■ 隨時隨地透過滙豐財資網及商務「網上理財」查詢戶口結餘

人民幣匯款

■ 透過中國內地廣泛的結算網絡快捷支付記賬貿易款項

■ 使用滙豐財資網及商務「網上理財」設定人民幣貿易付款指示，方便簡易

人民幣兌換

■ 存放於人民幣貿易結算戶口的人民幣可自由地兌換成港幣或其他外幣

■ 若為繳付合資格的中港跨境貿易款項或清還人民幣貿易融資，能以港幣或其他外幣兌換成人民幣

人民幣進出口服務

■ 全面的進出口服務，包括人民幣信用證、票據託收及進出口貿易融資方案

■ 一個貿易戶口可處理多種貨幣（包括人民幣）的貿易交易

■ 專業貿易支援─由滙豐貿易專員提供的一對一顧問服務，全面迎合您對跨境人民幣貿易結算的需要

■ 商務「網上理財」的貿易服務功能讓您隨時隨地進行人民幣貿易交易、查詢所有未完成的貿易交易及收取交易通知

V 人民幣貿易結算服務How RMB Trade Settlements work?

TheRenminbi(RMB)istakingoffinternationallyasmoreandmorebusinessesuseRMBfortradesettlementsandasaninvestmentcurrency.Withover140years'experienceinmainlandChina,HSBCisideallyplacedtoleverageitsglobalnetworktooffertheexpertiseandsupportbusinessesneedinthisrapidlydevelopingmarket.

EnterprisesincertainprovincesandcitiesinmainlandChinacansettletheirmerchandiseimportsandexports,servicetradesandothercurrentaccounttransactionsinRMB.

Benefits

■ ReducedexchangecostifbuyingandsellinginRMB

■ AnoptiontoexchangeRMBoffshore

■ AnoptiontoreceiveandkeepRMBtradereceiptsoffshore

Products and Services

RMBReceivablesFinance

■ Anone-stophassle-freesolutionforfunding,collection,andcreditprotectionfortradereceivablesinmultiplecurrencies,includingRMB

■ FreeonlinetoolprovidesupdatedledgerinformationandautomatesfunddrawdowninRMB

RMBTradeSettlementAccounts

■ Interest-bearingRMBTradeSettlementSavingsAccountandRMBCommercialCurrentAccountwithchequeservicesto meet all your open account trading needs

■ Balance enquiry at your fingertips via HSBCnet andBusinessInternetBanking

RMBRemittances

■ ExtensivesettlementnetworkinmainlandChinaforefficienttransferofRMBfundstosettleyouropenaccounttrading

■ RMBtradesettlementpaymentinstructionscanbeconductedatyourownconvenienceviaHSBCnet and Business InternetBanking

RMBExchange

■ RMBfundsmaintainedintheRMBTradeSettlementAccountscanbeconvertedtoHKDorotherforeigncurrencieswithout restrictions

■ CurrencyexchangefromHKDorotherforeigncurrenciestoRMBisallowedforeligibletradetransactionswithmainlandChinaorforrepaymentofRMBtradefinance

RMBImportandExport

■ ComprehensiveimportandexportservicesincludingRMBdocumentarycredit,documentarycollectionsandimportandexporttradefinancesolutions

■ OnetradeaccounttohandletradetransactionsinmultiplecurrenciesincludingRMB

■ Professionalsupport–ourtradespecialistscanprovideone-on-oneconsultationservicetocaterforyourcross-borderRMBtradesettlementrequirements

■ BusinessInternetBankingwithtradeservicesfunctionalityallowsyoutoconductRMBtradetransactions,viewallrelated outstanding trade transactions and receive advices at any time, anywhere

V RMB Trade Settlement Services

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VI Other Trade Services

i Bank Guarantee

How Bank Guarantee works?

TherearemanytypesofBankGuaranteewhichcanhelpyouexpandintonewmarkets.Theyhelptofacilitateopenaccount trade, provide security to counterparties, and can be helpful in the writing of legal contracts.

Types of Bank Guarantee

Tender/BidGuarantee

Apre-requisiteforacommercialortrade-relatedtender,issuedtosupporttheapplicant'stenderforthecontract.Theguarantee will be claimed by the beneficiary in the event that the applicant is awarded the contract but is unable to proceed further.

AdvancePaymentGuarantee

Issuedtocoverreceiptofanadvancepaymentforacommercialortrade-relatedcontractandcanbeclaimediftheapplicant does not meet its obligations under the terms of the contract.

PerformanceGuarantee

Supportstheapplicant'sobligationunderacontractandcanbeclaimedintheeventofnon-performanceornon-delivery.TheseguaranteesmaywellfollowonfromaTenderGuaranteeandoftencontainan"extendorpay"clause.

Warranty/Maintenance/RetentionGuarantee

Usuallyissuedaftercompletionofacontracttosupporttheapplicant'sobligationtomaintainthegoodsorservicesforaspecifiedperiodoftime.Theseguaranteesoftencontainan"extendorpay"clause.

Financial Guarantee

Issuedtosupportvarioustypesoffinancialobligationsoftheapplicantwhichallowsthebeneficiarytoclaimuponnon-paymentofmonies–egrentpaymentsunderaleaseagreement,utilitypaymentinlieuofadeposit,tradedebtofan importer under open account terms, or the obligations of the issuer of a commercial paper or note.

Role of some guarantees in a commercial transaction

Offer/Invitation

Tender/Bid Bid GuaranteeTosupporttheapplicant'stenderforthecontract

Contract

Advance Advance Payment GuaranteeTocoverreceiptofanadvancepayment

Performance/Installation

Performance GuaranteeTosupporttheapplicant'sobligationunderthecontract

Retention Money

Retention GuaranteeTosupporttheapplicant'sobligationtomaintainthegoodsor services for a specified period of time

VI 其他貿易服務

i 銀行保函銀行保函如何運作？

滙豐提供多種銀行保函，助您開拓新市場。銀行保函促進記賬形式的貿易，令貿易夥伴更有信心，同時有助您彈性地制定法律合約。

銀行保函的種類

投標保函

此保函是商業或與貿易相關的投標的先決條件，為支援申請人對合約的投標而簽發。在申請人獲得合約但無法作進一步行動的情況下，受益人可向保函進行索賠。

預付款項保函

此保函為保障於商業或與貿易相關的合約中已收取的預付款項而簽發，如果申請人無法履行合約條款下的責任，受益人可向保函進行索賠。

履約保函

這種保函支援申請人履行合約下的責任，受益人可在申請人不履行合約或不交付的情況下進行索賠。此保函或隨著投標保函而發出，且一般包括「延期或付款」條款。

保證╱維護╱保留保函

此保函多在合約完成後簽發，以支援申請人在指定時間內維持貨物或服務質素的責任。這種保函一般包括「延期或付款」條款。

財務保函

這種保函為支援申請人履行各種財務義務而簽發，允許受益人在申請人不付款時（例如根據租賃協定的租金支付、代替存款的使用付款、根據記賬貿易條款的進口商貿易債務，或是商業借據或票據的簽發者責任）進行索賠。

各種銀行保函於商業交易中的角色

招標

投標投標保函支援申請人對合約的投標

合約

預付款項預付款項保函保障已收取的預付款項

履約／安裝履約保函支援申請人履行合約的責任

保留金保留保函支援申請人在指定時間內維持貨物或服務質素的責任

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ii Business Integrated Account Secured Credit Facility

How a Business Integrated Account Secured Credit Facility works?

AvailabletoBusinessVantage,BusinessVantagePlusandHSBCBusinessDirectcustomers,itisastandbycreditlineofuptoHK$10millionwhichcanbeprovidedaccordingtothesecuredassetswithinanintegratedaccount.

■ Availablecreditlimitwillbeadjustedaccordingtothedailyassetvalueoftheaccountwithouttheneedfor re-application

■ CanbeutilisedforOverdraft,DCIssuance,BankGuaranteeIssuanceandTradeFinance

■ AcceptablesecuredassetsincludeHongKongDollars(HKD)andForeignCurrencyTimeDeposits,Bonds,CertificatesofDeposit(CDs),locallyquotedUnitTrustsandshares

Benefits

■ Noarrangementfeeormonthlyservicefee

■ Cost-effectivefinanceasyouonlypayinterestonmoneyyouuse

■ Assetswithinyouraccountremainfreelytradable

■ CreditlimitiscalculatedasassetvalueinHKDequivalentmultipliedbyAdvanceRatio

Type of secured asset held in Business Integrated Account1,2

Advance Ratio

(Up to)

Interest Rate

Previous month's Average Total Relationship Balance below

HK$1 million

Previous month's Average Total Relationship Balance equal/above HK$1 million

Foreign Currency Time or Saving Deposits3 100%

HSBC'sBestLendingRate per annum

HSBC'sBestLendingRate -1%perannum

HKD Time Deposits4 100%

Deposit Plus4 85%

Callable Fixed Deposits 100%

Structured Investment Deposits5 100%

Gold 70%

Bonds and Certificates of Deposit6,8 100%

HSBC'sBestLendingRate +1%perannum

HSBC'sBestLendingRate per annumLocally quoted Unit Trusts6,7,8 85%

Locally quoted shares6,7,8 50%

DCIssuance,BankGuaranteeIssuanceCommission:PleaserefertotheCommercialBankingTariffsNotes:

1. i) Shouldyourcreditlimitbesecuredbyacombinationofassetsattractingdifferentinterestrates,incalculatinginteresttheBankwillfirstapplythelowestoftheseinterestratesuntilthecreditlimitcorrespondingtothisparticulartypeofassetshasbeenutilised.Thereafterthenextlowestinterestrate will be applied, and so on.

ii) (Applicabletosoleproprietorshipandpartnershiponly)ThesecurityovertheassetsinyourBusinessIntegratedAccountascreatedundertheBusinessIntegratedAccountGeneralTermsandConditionswillattachtotheassetsinaccordancewiththeaforesaidorderofpriority(ieassetsattractingthelowestinterestratewillbeattachedfirst,followedbyassetsattractingthenextlowestinterestrateandsoon).Further,wherethereismorethanonetypeofassetinyourBusinessIntegratedAccountwhichattractthesameinterestrate,thesecuritywillattachtotherespectivetypesofassetinaccordance with the order in which such assets are listed in this table.

2. TheeligibilityandrelativepercentageofthevalueoftheassetslistedforinclusioninthecalculationoftheavailablecreditlimitshallbeasdeterminedbytheBankfromtimetotime.TheBankmayatitsdiscretionaddorremovetheassetslistedfromsucheligibility,orincreaseorreducetheeligiblepercentage of the value thereof without prior notice.

3. LoanratiofortimeorsavingdepositsinUSdollarsisupto100%.FortimeorsavingdepositsinothercurrenciesexcludingThaibaht,loanratioofupto85%applies.

4. IntheeventthattheassetssubjecttothesecurityunderyoursecuredcreditfacilityincludeyourHongKongdollartimedeposits/DepositPlus(inHongKongdollarsdepositcurrency)andthedepositinterestrateapplicabletosuchdepositsplus0.5%ishigherthanthedebitinterestratespecifiedabove,thehigher rate will be applied to your credit limit corresponding to such assets for calculating interest.

5. IncludingbutwithoutlimitationtoCapitalProtectedInvestmentDeposits.

6. Locallyquotedunittrusts,locallyquotedshares,bondsandcertificatesofdepositarethosedepositedwiththeBankinyourBusinessIntegratedAccountwhetherornotregisteredinyournameorinthenameofanyotherperson(includingtheBank)asnominee.

7. AuthorisedbytheSecuritiesandFuturesCommission.

8. CertificatesofDeposit(CDs),DepositPlus,StructuredInvestmentDepositsandlocallyquotedsharesaseligibleassetswillonlybeeffectiveafter 18September,2010.

ii 商業綜合戶口有抵押信貸商業綜合戶口有抵押信貸如何運作？

專為「商業」理財戶口、「商貿理財」戶口及滙豐「理財易」商務戶口客戶而設，商業綜合戶口有抵押信貸根據存於綜合戶口內可抵押的資產，提供高達港幣1千萬元的備用信貸額。

■信貸額會根據戶口的每日資產總值而自動調整，毋須再次申請

■可用於透支、開立信用證、申請銀行保函及貿易融資

■可抵押資產包括港幣及外幣定期存款、債券、存款證、在本港可買賣的單位信託基金及本地上市股票

優點■毋須手續費或月費

■您只須就借用的款額支付利息，極具成本效益

■存於戶口的資產仍可自由買賣

■信貸額的計算方法為港幣等值的資產總值乘信貸率

於商業綜合戶口的可抵押資產1,2

信貸比例（可達）

利率

上月理財總值平均結餘為港幣100萬元以下

上月理財總值平均結餘為港幣100萬元或以上

外幣定期或儲蓄存款3 100%

滙豐最優惠利率年息滙豐最優惠利率-年息1厘

港幣定期存款4 100%

高息投資存款4 85%

可贖回定息存款 100%

結構投資存款5 100%

黃金 70%

債券及存款證6,8 100%

滙豐最優惠利率+年息1厘滙豐最優惠利率年息在本港可買賣的單位信託基金6,7,8 85%

本地上市股票6,7,8 50%

開立信用證及銀行保函收費：請參閱工商金融服務收費簡介

註：1. i) 若您的信貸額是由各種不同資產組合作抵押，而組合中的資產招引不同的利率，本行會先應用該等利率中的最低利率計算利息直至招引該最低利率的資產作抵押的

信貸額全數用盡為止。隨後會應用緊隨的最低利率計算利息，如此類推。 ii) （只適用於獨資經營商號及合夥經營商號）商業綜合戶口一般條款下產生的抵押，會跟據上述的先後次序附加在您的商業綜合戶口內的資產上（即該抵押會先附加在

招引最低利率的資產上，隨後附加在招引緊隨最低利率的資產上，如此類推）。若您的商業綜合戶口內有多於一種資產招引相同的利率，則抵押會按照表上資產排列的次序附加在各項資產上。

2. 本行有權不時調整以上資產作抵押的資格及作為計算透支額的信貸比例，調整的方法包括認可或取消個別資產作抵押的資格，或增加或降低其有關的信貸比例，而毋須事先通知。

3. 美元的外幣定期或儲蓄存款的信貸比例分別最高可達100%。其他貨幣的外幣定期或儲蓄存款（不包括泰國銖）的信貸比例則最高可達85%。4. 如您的有抵押信貸下的抵押資產包括您的港幣定期存款或高息投資存款（以港幣為存款貨幣）及該等存款的存款利率加0.5厘後超過上列的貸款利率，則該資產的相關信貸額會按兩者之間的較高利率計算利息。

5. 包括但不限於保本投資存款。6. 存於您在本行的商業綜合戶口內在本港可買賣的單位信託基金、本地上市股票、債券及存款證（不論是以您的名義，或任何其他人士（包括本行）作代理人名義登記）。7. 經證監會認可。8. 存款證、高息投資存款、結構投資存款及本港上市股票將於二零一零年九月十八日後起成為合資格的抵押資產。

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iii Trade Protection

a. Trade Credit Insurance

How Trade Credit Insurance works?

TradeCreditInsuranceisaprotectionagainstbaddebtandlossesduetodisruptionssuchascustomerinsolvency,protracted payment or payment default.

■ Ensuresyoureceiveyourpaymentsevenifthepayergetsintodifficulty

■ Onaverage,tradedebtorsrepresent40%ofacompany'scurrentassets

■ Offerssaferpenetrationintonewexportmarketswhereyoumaybeworkingwithnewinternationalpartnersand customers

■ Allowsyoutooffermorecompetitivetermstocreditworthybuyers

■ Better financing terms may be available as lenders can deem trade credit insurance as an effective risk mitigation tool for your receivables

■ Enhancescreditmanagementbyensuringsmoothercashcollection

Benefits

■ Protectsagainstnon-paymentduetosituationssuchasbuyerinsolvencyorcontractrepudiation

■ Protectsagainstdelayedpaymentsincludingprotracteddefault(ienon-paymentofaninsureddebtfora pre-agreedperiodcommencingontheoriginalpaymentduedate)

■ Protectsagainstpoliticalriskssuchascountryorgovernmentimpediment.Thismayincludedisruptionssuchascancellation of import licences, import bans, currency restrictions and others

Indemnity

■ Restrictedtothemaximumlimitapprovedbytheunderwriterforthatbuyerandtotheextentoftheinsuredpercentageandthepolicy'smaximumliability

■ Insuredpercentageisusuallyamaximumof90%

b. Marine Cargo Insurance

How Marine Cargo Insurance works?

■ Comprehensive protection for different types of commodity, destination and transportation mode

■ Reducestheimpactonyourbusinessanditssupplychainifgoodsaredestroyed,damagedorstolen

Benefits

■ Can be tailored to suit your company

■ Choice of a single voyage contract or an 'open policy' contract for regular shipments

■ Basic or comprehensive cover

■ Competitively priced insurance

■ Meetstherequirementsofyourletterofcredit

■ Expertadvicefrommarineinsurancespecialists

■ Fast, efficient processing

Notes:

1. MarineCargoInsuranceisunderwrittenbyAXAGeneralInsuranceHongKongLimited("AXA")andAXAwillberesponsibleforprovidingyourinsurance cover and handling claims under your policy.

2. AXAisauthorisedandregulatedbytheHongKongCommissionerofInsurancetocarryoutgeneralinsurancebusinessintheHongKongSAR.

3. TheHongkongandShanghaiBankingCorporationLimited("HSBC")isadistributorofAXA'sgeneralinsuranceproducts.

4. Theinformationshownisintendedasageneralsummary.Youshouldrefertotheinsurancepolicyforthedetailedtermsandconditions.

5. IntheeventofanyinconsistencybetweentheEnglishversionandtheChineseversion,theEnglishversionshallprevail.

iii 貿易保障 a. 貿易信用保險

貿易信用保險如何運作？

貿易信用保險可保障您避免因客戶無力償債、長期拖欠賬款或拒付貨款而面對的壞賬及損失。

■即使付款人身陷財政困境，仍可確保您收到賬款

■就一般情況而言，貿易債務佔公司流動資產的40%

■當您進軍新市場，可能會與新的商業夥伴合作和吸納新客戶，貿易信用保險可為您提供更周全保障

■讓您可向信用可靠的買家，提供更吸引的交易條件

■貸款人相信貿易信用保險能夠有效減低您的應收賬項風險，您因而可取得更有利的融資條件

■確保收賬暢順，助您加強信貸管理

優點■當買家無力償債或拒絕履行合約，引致收不到賬款，您可獲賠償

■賠償您因為買家延遲付賬（包括長期拖欠賬款）而蒙受的損失（例如：原訂付款到期日後仍未付款，並將付款期限推遲）

■即使交易因相關國家或政府出現政治危機而受阻礙，包括進口許可證被取消、進口禁運、外匯管制等，您也可得到保障

賠償額■按照承保公司核准買家可獲的最高賠償額及投保比率和保單規定的責任上限計算

■投保比率通常高達應收款項的90%

b. 海運貨物保險

海運貨物保險如何運作？■保障範圍涵蓋多種貨物、目的地和運送方法

■減少因貨物受到損毀、損害或被竊而對您的業務和其供應鏈造成的影響

優點■可按您的業務需要，度身擬定保單

■備有單一航程保單或定期裝運預約保單以供選擇

■提供基本保險或綜合保險兩種計劃

■保費低廉

■符合所有信用證的要求

■由海運保險專員為您提供專業意見

■申請快捷及高效率

註：

1. 海運貨物保險的承保人為安盛保險有限公司（「安盛」），安盛會負責按保單條款為您提供保險保障以及處理索償申請。

2. 安盛已獲香港保險業監理專員授權及受其監管於香港特別行政區經營一般保險業務。

3. 香港上海滙豐銀行有限公司（「滙豐」）為安盛的一般保險產品之分銷商。

4. 以上資料乃一般摘要，有關詳盡條款及規定，概以保單為準。

5. 如中英文版本的條款有任何分歧，以英文版本為準。

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i Instant@dvice Instant@dvice如何運作？■加快進出口程序

■大大節省文件複印和儲存成本

■即時經電郵收到透過滙豐進行交易之報告

優點■費用全免

■當進口信用證開立後，滙豐會即時將副本經電郵發送給您，讓您可第一時間轉發至供應商和其他貿易夥伴

■當滙豐經SWIFT收到出口信用證後，便會即時將副本經電郵發送給您，讓您能夠盡早辦理出口付運手續

■電子信用證能夠複製到其他文件中，既快捷又準確

■供應商在未收到信用證正本前，便可開始生產或核對付運文件

■您可以同時登記最多5個電郵賬戶以接收信用證副本

■滙豐免費提供信用證保管服務，代您儲存信用證正本

五種不同的Instant@dvice服務組合■出口信用證（SWIFT格式）及修改書副本

■進口信用證（SWIFT格式）及修改書副本

■出口信用證（SWIFT格式）、修改書副本及出口通知書

■出口信用證（SWIFT格式）及修改書副本，以及進口信用證（SWIFT格式）與修改書副本

■以上全部服務

ii 跟單信用證保管服務跟單信用證保管服務如何運作？■免費代您保存信用證正本

■毋須尋找設有保安設施的儲存空間

■毋須親自領取信用證正本

優點■可把信用證安全地存放於您所指定的滙豐環球貿易及融資服務中心

■減低在運送途中遺失信用證正本的風險

■需要運用信用證時，只須提交出口文件，滙豐會為代您處理一切事宜

VII 其他增值服務

i Instant@dvice

How Instant@dvice works?

■Acceleratedimportandexportprocedures

■ Significant savings in document replication and storage costs

■InstantemailstatusreportsonyourtransactionswithHSBC

Benefits■ Free of charge

■AssoonasanimportDCisissued,youreceiveacopybyemail,soyoucanforwardittoyoursupplierandothertrade partners

■AssoonaswereceivetheSWIFTmessage,anexportDCcopyissenttoyoubyemail,soyoucanstartexportprocedures earlier

■ElectronicDCscanbecopiedintootherdocumentsforspeedandaccuracy

■ Suppliers can start producing goods or collating shipping orders before they receive the original DC

■UptofiveemailaccountscansimultaneouslyreceivetheDCcopy

■ Our free DC Safe Custody service will store your original DCs

Five Instant@dvice options

■ExportSWIFTDCandamendmentcopies

■ImportSWIFTDCandamendmentcopies

■ExportSWIFTDC,amendmentcopiesandexportadvices

■ExportSWIFTDCandamendmentcopies,andimportSWIFTDCandamendmentcopies

■Alloftheabove

ii Documentary Credit Safe Custody

How Documentary Credit Safe Custody works?

■ Safe storage of original DCs free of charge

■Noneedtofindsecurestoragespace

■NoneedtocollectoriginalDCs

Benefits

■OriginalDCsarestoredsafelyatyourchoiceofHSBCGlobalTradeandReceivablesFinanceoffice

■MinimisestheriskoflosinganoriginalDCintransit

■WheneveraDCisneeded,simplysubmityourexportdocumentsandwedotherest

VII Other Value Adding Services

VII

38 39

iii貿易文件追蹤器貿易文件追蹤器如何運作？

這服務可讓您追蹤透過本港滙豐各辦事處送交海外的文件。

■瀏覽www.commercial.hsbc.com.hk

■選擇「產品及服務」後，再選擇「進出口服務」

■選擇「出口貿易」然後選擇「貿易文件追蹤器」

優點■隨時隨地，可追蹤文件運送情況

■運送流程盡在掌握，倍感安心

■助您營商更有時間預算

iii Document Tracker

How Document Tracker works?

This service enables you to track documents sent internationally by HSBC offices in Hong Kong.

■ Visit www.commercial.hsbc.com.hk

■ Choose 'Products and Services', then 'Import and Export'

■ Choose 'Export Services', then 'Document Tracker'

Benefits■ Track delivery status of your trade documents anytime, anywhere

■ Enjoy peace of mind with full knowledge of the progress of delivery

■ Helps put time on your side

選擇押匯單類別，並輸入押匯單參考編號及分行代號

或輸入信用證參考編號

1

2

1

2

Select bill type, then input bill reference and branch code

or input DC reference number

VII

40 41

i Enquiries and applications for trade transactions

How Internet Trade Services work?

■ Real-time account overview and enquiry

■ View credit facility limit and position

■ View import and export outstanding items

■ Submit applications for the following trade transactions

• ApplyforandsubmitamendmentforimportDC

• Submitimportbillsinstruction

• SubmitexportDCtransferapplication

Benefits■AnactivitylogallowsyoutoviewtheactivitiesconductedonInternetTradeServices,givingyouadditionalsecurity

and control of all transaction activities

■AbilitytosaveDCtemplatesforDCapplicationssubmittedthroughInternetTradeServices,savingyourtimeininputting the information each time you issue a similar DC

■ Preferential pricing offered to DC applications submitted through Internet Trade Services

If you want to view and apply for trade transactions, log on to Business Internet Banking. The following illustrates the functionalities of Internet Trade Services.

Access Internet Trade Services

i 查詢及申請貿易交易網上貿易服務如何運作？■即時查詢及檢視戶口狀況

■查閱信貸額度及使用狀況

■查閱進口及出口未完成的交易詳情

■提交下列貿易服務交易的申請

• 開立或申請更改入口信用證

• 提交進口單據指示

• 提交轉讓出口信用證申請

優點■透過活動紀錄，您可查閱經網上貿易服務所進行的活動詳情，讓您加倍安心及管理一切交易事宜

■能夠把透過網上貿易服務所提交的信用證儲存為範本，當日後需要開立相似的信用證時，能夠節省重新輸入資料的時間

■經網上貿易服務提交開證申請可享手續費優惠

若要查詢及申請貿易交易，請登入商務「網上理財」。下列畫面展示網上貿易服務功能。

登入網上貿易服務

Enquire Trade Transaction Details

VIII網上貿易服務

Select 'Trade Services' tab from the function menu from logging in to BIB

Select the trade account number

Select the enquiry type

1

1

查詢貿易交易詳情

登入商務「網上理財」後於工具列選擇「貿易服務」

選擇查詢的貿易戶口號碼

選擇查詢的項目

1

1

22

VIII Internet Trade Services

VIII

42 43

Apply to export DC transfer

Apply for Import DC and DC Amendment

Submit payment instruction for import bills

1 2

1

2

申請及更改進口信用證

遞交進口單據的付款指示

申請轉讓出口信用證

於左方目錄選擇「進口信用證」，然後選擇所需服務

Select 'Import Documentary Credits' from the left hand side menu, then select the service needed

於左方目錄選擇「進口單據處理指示」

然後選擇付款方法

Select 'Import Bill Instructions' from the left hand side menu

then select payment instruction

於左方目錄選擇「轉讓出口信用證」，然後選擇轉讓類型 Select 'Export DC Transfer' from the left hand

side menu, then select the type of transfer

1 2

1

1

2

2

1

2

VIII

44 45

1

2

3

4

5

於商務「網上理財」登入版面右方的「實用工具」按「其他服務」

Select 'Services' from the 'Useful Tools' panel on the right hand side of the BIB landing page

於「管理監控」中選擇「授權簽署組合」Select 'Authorisation Matrix' from 'Management Control'

選擇「簡易受權」後按「去」Select 'Simple Authorisation' then press 'GO'

設定每組用戶的審批權限後按「去」Enter the approval limit for each group of users then press 'GO'

檢查設定後按「確認」，設定完成Press 'Confirm' after reviewing the input Set-up completed

1

2

3

4

5

ii設定審批權限基於保安理由，所有用戶於使用網上貿易服務進行交易前必須設定審批權限。

ii Authorisation matrix set-up For security reasons, all users are required to register for this service before submitting trade transaction applications.

VIII

46 47

IX Your transaction flow – make your winning moves with our professional supportIX 您的交易流程─滙豐專業服務助您營商致勝

步驟交易流程銀行服務參考資料

1跟買家訂立合約

•訂立銷售合約，以信用證付款。 •滙豐為通知銀行，將出口戶口資料告知買家。

p.8「信用證通知」

2-3滙豐發出信用證通知

•買家銀行開立信用證，經滙豐發出信用證通知。

•若信用證經由SWIFT發出，滙豐會經Instant@dvice服務將信用證內容發送到指定電子郵箱。

•滙豐會保管信用證正本。

•若信用證經由SWIFT發出通知，可於網上貿易服務查閱信用證內容

p.36「Instant@dvice」及「跟單信用證保管服務」

p.40「網上貿易服務」

4付運貨物

•根據信用證條款付運貨物，並按照信用證條款預備出口跟單文件。

5交付文件

•出口貿易文件連同出口貿易託收／議付表格交到滙豐。

•於滙豐網頁下載並填寫「出口貿易託收／議付表格」，並連同出口貿易文件交到其中一個貿易文件寄存辦理地點，或直接郵寄至旺角貿易服務中心。

•若須要議付出口單據，請於「出口貿易託收／議付表格」提出申請。

p.6「表格下載」、

p.60關於填寫「出口貿易託收／議付表格」、

p.12「出口信用證議付」及「貿易文件寄存辦理服務」附件

6託收文件

•滙豐根據信用證內容將出口貿易文件速遞到開證銀行。

•如有需要，滙豐可根據信用證條款安排審批議付。利息將於款項中扣除。

•經Instant@dvice服務即時收到滙豐的交單通知書。

•根據通知書上的交易編號，使用「貿易文件追蹤器」追蹤該出口貿易文件的送遞狀況。

p.6「追蹤出口及進口押匯單」

p.38「貿易文件追蹤器」

7-8收到貨款

•若為相符交單，開證銀行會根據信用證條款付款。款項將於扣除手續費後存入指定戶口。

•若已安排議付，收到的款項會全數用於償還滙豐於議付安排下的預付款項。利息將於現金戶口扣除。

•滙豐經Instant@dvice服務即時將收款通知書發送到指定電子郵箱。

•亦可透過網上貿易服務了解出口單據最新情況。

p.36「Instant@dvice」


Steps Transaction flow Banking services Reference

1Contract signed with buyer

•Signsalescontract,usingDCaspayment method.

•Providebuyerwithexportaccountdetails,and use HSBC as the DC advising bank.

p.9'DCAdvising'

2-3DC advised to you

•Buyer'sbankissuesDC,andadvisesthe DC through HSBC.

•ContentofDCissenttoassignedemailaccountviaInstant@dviceserviceifDCisissuedthroughSWIFT.

•HSBCkeepstheoriginalDConyourbehalf.

•IftheDCisadvisedthroughSWIFT,viewthecontentoftheDConInternetTradeServices.

p.37'Instant@dvice'and'DC Custody Service'

p.41'InternetTradeServices'

4Goods shipped

•ShipgoodsaccordingtothetermsofDC,andprepareexportdocumentsaccording to the terms and conditions of the DC.

5Documents sent to HSBC

•SendexportdocumentstoHSBCtogetherwithaExportTradeCollection/NegotiationInstructionsForm.

•Download'ExportTradeCollection/NegotiationInstructionsForm'fromtheHSBC website, and send the completed formtogetherwithexportdocumentstooneoftheTradeDocumentsDrop-inlocations,ormaildirectlytoTradeServicesCentreinMongkok.

•Ifnegotiationisrequired,pleaseapplybyindicatingonthe'ExportTradeCollection/NegotiationInstructionsForm'.

p.7'Formdownload',

p.60forcompleting'ExportTradeCollection/NegotiationInstructionsForm',

p.13'ExportDCNegotiation'andappendix'TradeDocumentsDrop-inBoxes'

6Documents sent on collection

•HSBCcouriersexportdocumentstoDC issuing bank, as per the content of the DC.

•HSBCcanconsidertoarrangenegotiation under the terms and conditionsoftheDC.Interestwillbededucted from bill proceed.

•ReceiveacollectionadvicesentbyHSBCviaInstant@dviceservice.

•Referringtotheexportdocumentreference number, use 'Document Tracker'totracktheshipmentstatusofthe bill.

p.7'TrackImportandExportBills',

p.39'DocumentTracker'

7-8Paymentreceived

•DCissuingbankpaysforcomplyingpresentation under the terms and conditionsoftheDC.Proceedswillbecredited to your nominated account after deducting fees.

•Ifthebillisnegotiated,theproceedswill be used to settle the advance under the negotiation arrangement. Interestwillbedebitedfromcashaccount accordingly.

•HSBCsendsapaymentadvicetoyourassigned email account through Instant@dviceservice.

•MakeenquiryonthelateststatusofexportbillsonInternetTradeServices.

p.37'Instant@dvice',


例子一：您作為出口商出口貨物，買家以信用證付款。 Example 1:Yousellyourproductasanexporter, with the buyer settling the payment by DC.

Advising Bank/Negotiating Bank

(HSBC)Issuing Bank

Applicant/Buyer

Beneficiary/Seller

2 A

pply DC

4 Shipment

1 Commercial contract

7 Payment

8 Paym

ent

5 D

ocuments

6 Documents

3 A

dvise DC

2 Issue DC

通知銀行／議付銀行（滙豐）

開證銀行

申請人／買家

受益人／賣家

2 申

請信

用證

4 付運貨物

1 訂立合約

7 付款

8 付

款

5 交

付文

件

6 託收文件

3發

出信

用證

通知

2 開立信用證

IX

48 49


1a跟買家訂立合約

•跟買家訂立銷售合約，以可轉讓信用證付款。

•將出口戶口資料告知買家，以滙豐作為指定轉讓信用證銀行及通知銀行。

p.8「信用證通知」

1b跟供應商訂立合約

•跟供應商訂立銷售合約，以已轉讓信用證付款。

p.8「已轉讓信用證」

2-3買家開出信用證

•買家開立可轉讓信用證，開證行經SWIFT轉送到滙豐。

p.18「可轉讓信用證」

4發出可轉讓信用證通知

•滙豐–轉讓信用證銀行會發出信用證通知。

•若可轉讓信用證以SWIFT發出通知，滙豐會即時經Instant@dvice服務將可轉讓信用證內容發送到指定電子郵箱。

•滙豐會保管信用證正本。

p.36「Instant@dvice」及「跟單信用證保管服務」

5申請轉讓信用證

•貿易商根據信用證，向滙豐申請將可轉讓信用證轉讓。

•若可轉讓信用證以SWIFT發出通知，可使用網上貿易服務查閱可轉讓信用證的內容，並立刻於網上遞交轉讓信用證申請書。

•亦可於滙豐網頁下載並填寫「轉讓跟單信用證權益指示（有發票及匯票替代）表格」，並交到任何一個貿易文件寄存辦理地點，或直接郵寄至旺角貿易服務中心。

p.40「網上貿易服務」、


p.58關於填寫「轉讓跟單信用證權益指示（有發票及匯票替代）表格」及「貿易文件寄存辦理服務」附件。

6開立已轉讓信用證

•根據您的指示，滙豐經SWIFT或以郵寄形式發出*已轉讓信用證予供應商當地的滙豐辦事處或您指定的通知銀行。

•滙豐即時經Instant@dvice服務將開證通知書發送到指定電子郵箱。

•亦可透過網上貿易服務了解出口信用證及單據最新情況。

p.36「Instant@dvice」、


7-8發出已轉讓信用證通知

•供應商會收到由通知銀行發出之信用證通知，亦跟據信用證條款安排運送貨物直接到買家。

p.8「已轉讓信用證」

9-10供應商付運貨物

•供應商於付運貨物後經其銀行將已轉讓信用證中要求的文件送到滙豐。

•滙豐會通知您進口文件已抵達，並要求遞交替代發票及匯票。

•把發票及匯票連同託收表格交到滙豐。

•於滙豐網頁下載並填寫「出口貿易託收／議付表格」，連同發票及匯票，於交單期限前交到任何一個貿易文件寄存辦理地點，或直接郵寄往旺角貿易服務中心。


p.60關於填寫「出口貿易託收／議付表格」及「貿易文件寄存辦理服務」附件

11滙豐託收文件

•滙豐於替代發票及匯票後，根據信用證條款將出口貿易文件速遞到開證銀行。

•會經Instant@dvice服務即時收到滙豐的交單通知書。根據通知書上的交易編號，可使用「貿易文件追蹤器」追蹤該出口貿易文件的送遞狀況。

p.6「追蹤出口及進口押匯單」、

p.38「貿易文件追蹤器」

12收到貨款

•若為相符交單，開證銀行會根據信用證條款付款。當收到開證銀行款項後，滙豐會根據已轉讓信用證條款付款予供應商銀行，餘下款項將於扣除手續費後存入指定戶口。

•滙豐經Instant@dvice服務即時將收款通知書發送到指定電子郵箱。亦可透過網上貿易服務了解出口單據最新情況。



*根據跟單信用證統一慣例600第38條a項，除非銀行明確同意，否則銀行無辦理信用證轉讓的義務。滙豐保留所有決定是否接受轉讓信用證申請的權利。

例子二：您作為貿易商出口貨物，買家以可轉讓信用證付款。您以已轉讓信用證向供應商付款，從中賺取差價。

買家

開證銀行

供應商貿易商

供應商銀行轉讓信用證銀行（滙豐）

2 申

請信

用證

1a 訂立合約1b 訂立合約

12b 付款 12a 付款

9 交

付文

件

7 發

出已

轉讓

信用

證通

知

12c 付款

5 申

請轉

讓信

用證

10遞

交匯

票及

發票

4 發

出可

轉讓

信用

證通

知

12b 付款

9 託收文件 11 託收文件6 開立已轉讓

信用證3 開立可轉讓

信用證

8 付運貨物

IX

50 51

Example 2:Yousellyourproductasatrader, with the buyer settling its payment by Transferable DC.YoupayyoursupplierbyTransferredDC.Youmakeaprofit fromthebuy-selldifference.


1aContract signed with buyer

•Signsalescontractwithbuyer,usingTransferableDCaspaymentmethod.

•Providebuyerwithexportaccountdetails,using HSBC as the nominated transferring bank and DC advising bank.

p.9'DCAdvising'

1bContract signed with supplier

•Signsalescontractwithsupplier,usingTransferredDCaspaymentmethod.

p.9'TransferredDC'

2-3TransferableDCissued by buyer

•BuyerwillapplyaTransferableDCthroughissuing bank who will send the DC to HSBC(transferringbank)bySWIFT.

p.19'TransferableDC'

4TransferableDCadvised to you

•HSBC(transferringbank)willadvisetheDCtothetrader(you).

•ContentofTransferableDCissenttoassignedemailaccountviaInstant@dviceserviceiftheTransferredDCisadvisedthroughSWIFT.

•HSBCkeepstheoriginalDConyourbehalf.

p.37'Instant@dvice'and'DC Custody Service'

5Applicationsubmitted to transfer DC

•TradercheckstheDCtermsandapplytoHSBCtotransfertheTransferableDCtosupplier.

•IftheTransferableDCisadvisedthroughSWIFT,useInternetTradeServicestoviewthecontentoftheTransferableDC,andapplytotransfertheTransferableDCstraightaway.

•Ordownload'InstructionsforTransferofCredit(WithSubstitutionofInvoices)Form'from the HSBC website, and send the completedformtooneoftheTradeDocumentsDrop-inlocations,ormaildirectlytoTradeServicesCentreinMongkok.

p.41'InternetTradeServices',

p.7'Formdownload',

p.58 for completing 'InstructionsforTransferofCredit(WithSubstitutionofInvoices)Form'andappendix'TradeDocumentsDrop-inBoxes'.

6TransferredDCissued

•HSBC(transferringbank)actsonyourinstructionandissues*aTransferredDCto the local HSBC office in supplier's country, or your nominated advising bank throughSWIFT.

•HSBCsendsaDCissuanceadvicetoyourassigned email account through Instant@dviceservice.

•MakeenquiryonthelateststatusofexportDCsandbillsonInternetTradeServices.



7-8TransferredDCadvised to supplier

•Advisingbank(supplier'sbanker)willadvise the DC to the seller who will ship the goods to buyer directly according to thetermsoftheTransferredDC.

p.9'TransferredDC'

9-10Goods shipped by supplier

•SuppliersendsthedocumentsasrequestedbytheTransferredDCtoHSBC through its banker after shipment.

•HSBCadvisesyouofthearrivalofimportdocuments and requests you to submit invoice and draft for substitution.

•SendinvoiceanddrafttoHSBCtogetherwith a collection order.

•Download'ExportTradeCollection/NegotiationInstructionsForm'fromHSBCwebsite, and send the completed form together with invoice and draft to one of the TradeDocumentsDrop-inlocations,ormaildirectlytoTradeServicesCentreinMongkok,withintheperiodofpresentation.

p.7'Formdownload',

p.60forcompleting'ExportTradeCollection/NegotiationInstructionsForm'andappendix'TradeDocumentsDrop-inBoxes'.

11Documents sent on collection

•HSBCcouriersexportdocumentstoDCissuing bank after substituting invoice and draft, in accordance with the terms of the DC.

•ReceiveacollectionadvicesentbyHSBCviaInstant@dviceservice.

•Fromtheexportdocumentreferencenumberuse'DocumentTracker'totracktheshipment status of the bill.

p.7'TrackImportandExportBills',

p.39'DocumentTracker'"

12Paymentreceived

•DCissuingbankpaysforcomplyingpresentation under the terms and conditionsoftheDC.Uponreceiptofthe proceeds, HSBC pays the supplier's bank in accordance with the terms and conditionsoftheTransferredDC.

•Remainingproceedscreditedtoyournominated account after deducting fees.

•HSBCsendsyouapaymentadvicetoassigned email account through Instant@dviceservice.

•MakeenquiryonthelateststatusofexportbillsonInternetTradeServices.



* Inaccordancewitharticle38aofUniformCustomsandPracticeforDocumentaryCreditsno.600,abankisundernoobligationtotransferacreditexcepttotheextentandinthemannerexpresslyconsentedtobythatbank.HSBCreservesalltherightsindecidingwhethertoacceptanapplicationtotransferaDocumentary Credit.

Buyer

Issuing Bank

Supplier Trader

Supplier's Bank

Transferring Bank (HSBC)

2 A

pply DC

12b Payment 12a Payment

9 D

ocuments

7 A

dvise

Transferred DC

6 Issue Transferred DC

3 Issue Transferable DC

10 S

ubmit draft

and invoice

12c Payment

4 A

dvise Transferable DC

5 A

pply DC

Transfer

12b Payment

9 Documents 11 Documents

8 Shipment

1b Commercial contract

1a Commercial contract

IX

52 53

例子三：您作為進口商進口貨物，並以信用證向您的供應商支付貨款。


1跟供應商訂立合約

•訂立銷售合約，以信用證付款。 p.18「進口信用證」

2提交信用證申請

•根據銷售合約向滙豐申請開立信用證。 •可使用網上貿易服務立刻於網上遞交信用證申請書。

•亦可於滙豐網頁下載並填寫「不可撤銷跟單信用證申請書」，並交到任何一個貿易文件寄存辦理地點，或直接郵寄往旺角貿易服務中心。

p.40「網上貿易服務」、


p.56關於填寫「不可撤銷跟單信用證申請書」及「貿易文件寄存辦理服務」附件。

3開立信用證

•滙豐收到開證申請及交易詳情後會審閱開證要求。一經批核，滙豐會根據申請指示開立信用證，並經SWIFT或以郵寄形式將信用證發送到供應商當地的滙豐辦事處或您指定的通知銀行。

•若您於滙豐沒有預先安排貿易信貸額度，開立信用證時須要繳付保證金。

•開證前戶口內備有足夠款項，您須填寫授權信以授權滙豐使用該款項作為開證保證金。

•經Instant@dvice服務將開證通知書連同信用證內容發送到指定電子郵箱。

•亦可透過網上貿易服務了解進口信用證及單據最新情況。

•滙豐會於您的戶口扣除保證金，並將款項置於信用證保證金戶口內。該款項將用於支付信用證下的進口貨款。

•若需要授權信之範本，請與我們聯絡。



4供應商付運貨物

•出口商運送貨物。

5-6交付文件

•供應商於付運貨物後經其銀行將信用證中要求的文件送到滙豐。

•滙豐收到進口文件後會進行審單，確認文件是否相符交單。

•滙豐以Instant@dvice服務即時發送進口單據通知書及審單結果到指定電子郵箱。

•亦會郵寄進口通知書予您。

p.36「Instant@dvice」

7接納／跟單付款

•若進口單據並無不符點，滙豐會根據信用證條款付款予供應商銀行。

•若以保證金開證，該款項將從保證金戶口扣除。

•若以信貸額度開證，將以您於開證申請書內的指示支付。

•若進口單據有任何不符點，滙豐會通知您不符點的詳情，並要求您決定是否接受有關不符點。若您接受，滙豐會根據付款指示支付供應商銀行。

•可以透過網上貿易服務查閱該進口單據的狀況。滙豐會根據您於開證申請書上所指明的付款方法付款予供應商銀行。

•可以透過網上貿易服務查閱該進口單據的狀況，並即時提交付款指示。

•亦可列印Instant@dvice通知書附帶的回條，或以郵寄形式發出的回條，填寫及授權後交到任何一個貿易文件寄存辦理地點，或直接郵寄往旺角貿易服務中心。


p.40「網上貿易服務」及「貿易文件寄存辦理服務」附件。

8收取文件

•收取提貨文件。 p.18「進口服務」

2 申

請信

用證

4 付運貨物

1 訂立合約

7 接納／跟單付款

6 託收文件

8 收

取文

件

7 接

受申

請

5 交

付文

件

3 開立信用證

通知銀行／議付銀行

開證銀行（滙豐）

申請人／買家

受益人／賣家

IX

54 55

Example 3:Youbuyproductsasanimporter, and you pay your supplier by DC.


1Contract signed with supplier

•Signsalescontract,usingDCaspayment method.

p.19'ImportDC'

2DC application submitted

•ApplytoHSBCtoissuetheDCaccording to the terms of the sales contract signed.

•UseInternetTradeServicestosubmityourDC application instantly.

•Download'ApplicationforIrrevocableDocumentary Credit Form' from the HSBC website, and send the completed form to oneoftheTradeDocumentsDrop-inlocations,ormaildirectlytoTradeServicesCentreinMongkok.

p.41'InternetTradeServices',

p.7'Formdownload',

p.56forcompleting'ApplicationforIrrevocableDocumentary Credit Form'andappendix'TradeDocumentsDrop-inBoxes'.

3DC issued to supplier

•HSBCwillreviewyourapplicationafterreceiving the details of the transaction and your application form. Once approved, HSBC will issue the DC according to your instructions and have the DC sent to the local HSBC office in the supplier's country, or your nominated advisingbankthroughSWIFTorbymail.

•Ifyoudonothaveanypre-arrangedcredit facility at HSBC, margin deposit is required at the time of DC issuance.

•Preparesufficientdepositinyouraccount prior to DC issuance, and fill in an authorisation letter authorising HSBC to use the deposit as a margin deposit.

•HSBCsendsyouDCissuanceadvicetogether with the content of the DC to assigned email account through Instant@dviceservice.

•MakeenquiryonthelateststatusofimportDCsandbillsonInternetTradeServices.

•HSBCwilldebitthemargindepositfromyour account, and place it in a margin deposit account. Such deposit will be used to settle any import bill outstanding under the DC issued.

•Ifyourequirethetemplateoftheauthorisation letter, please contact us.



4Goods shipped

•Shipmentofgoodsfromseller.

5-6Document presented by supplier

•Suppliersubmitsdocumentsasstipulated in the DC to HSBC after shipment.

•UponreceiptofthedocumentsbyHSBC, HSBC will check the documents and confirm if the documents comply.

•HSBCwillsendimportbilladviceandtheresult of document checking to your assigned email address through Instant@dviceservice.

•HSBCwillalsosendyoutheimportbilladvice by mail.

p.37'Instant@dvice'

7Payments

•Iftheimportbilldoesnothaveanydiscrepancy, HSBC will pay the supplier's bank according to the terms of the DC.

•IftheDCissuancewassupportedbymargin deposit, the payment will be debited from the margin deposit account.

•IftheDCissuancewassupportedbyacredit facility, settlement will be effected according to your instructions given in the DC application form.

•Iftheimportbilldoeshaveadiscrepancy,HSBC will advise you the details of the discrepancy, and will request you to decide whether to accept the discrepancy.Ifaccepted,HSBCwillpaythe supplier's bank in accordance with your payment instruction.

•UseInternetTradeServicestomakeenquiries on the latest status of import bills. HSBC will pay the supplier's bank according to the instructions you have given to the Bank previously in the DC application form.

•UseInternetTradeServicestoviewthestatus of import bills and submit your payment instruction instantly.

•Completeandauthorisethereplyslipappended to the advice sent to you through Instant@dviceservicesorbymail,andhaveitreturnedtooneoftheTradeDocumentsDrop-inlocations,ormaileddirectlytoTradeServicesCentreinMongkok."


p.41'InternetTradeServices'andappendix'TradeDocumentsDrop-inBoxes'.

8Documents received

•Documentsreceivesforgoodscollecting.

p.19'ImportServices'

Issuing Bank (HSBC)

Advising Bank/Negotiating Bank

Beneficiary/Seller

Applicant/Buyer

5 D

ocuments

4 Shipment

1 Commercial contract

7 Acceptance/Payment

2 A

pply DC

7 A

cceptance

6 Documents

8 D

ocuments

3 Issue DC

IX

56 57

X 常用表格 Commonly Used Forms

i 不可撤銷跟單信用證申請書 Application for Irrevocable Documentary Credit

27

26

2524

22

21

15

14

2019

18

13

12

11

98

6 7

5

2

3

41

10

17

16

23

1 進口商／買家名稱及地址Nameandaddressofimporter/buyer

2 進口商／買家戶口號碼Importaccountnumberofimporter/buyer

3 信用證申請日期L/Cdateoftheapplication

4 信用證到期日及交單地點ExpirydateandplaceofthisDC

5 信用證傳遞方法（請選擇其中之一）MethodsofdispatchingDC(Pleasetickoneof theboxes)

6 信用證可否允許轉讓WhetherDCistransferableornot

7 出口商／受益人是否需要保兌信用證Confirmation of DC

8 信用證的貨幣及總額（用數字表達）Currency and amount in figures of the DC

9 允許信用證金額浮動的幅度Thepercentagethatyouallowtheexporter/seller/beneficiary to draw more or less on the DC amount

10 貨物可否分批付運？Can partial shipments be allowed?

11 貨物可否於發運點至目的地過程中作出轉運？Can transhipment be allowed?

12 付運旅程的資料Shipment route that the goods ship from and to

13 貨物最遲的付運日期Latestshipmentdateofthegoods

14 受益人姓名及地址Beneficiary name and address

15 受益人聯絡詳情（如聯絡人、電話或傳真等）Contact details of beneficiary (eg contact person, telephonenumberorfaxnumberetc)

16 信用證貨幣及總額（用文字表達）Currency and amount in words of the DC

17 如信用證需要匯票，請列明即期或遠期期數PleasestateifDCisrequiresdraft.Ifyes,pleasespecific the draft is at sight or usance and also the days of usance period.

18 交單的期限Presentationperiodofdocuments

19 貨物描述及船期表（如有）（貨物描述請盡量簡要）Descriptionofgoodsandshipmentschedule(ifany)(briefdescriptionwithoutexcessivedetails)

20 允許貨物數量浮動的幅度Thepercentagethatyouallowtheexporter/seller/beneficiary to draw more or less on the quantity of the goods

21 國際貿易條款Incoterms(egFOB/CFR/CIFetc)

22 保險安排Insurancearrangement

23 申請所須文件Documents that the applicant required

24 特別指示或附加文件Special conditions or additional documents that the applicant required

25 收費安排Charges – the responsible party who will pay the relative charges

26 申請人聯絡方法（如聯絡人及電話號碼等）Contact details of the applicant (eg contact person and telephonenumberetc)

27 簽署（及公司蓋章，如適用）Authorisedsignature(withcompanychop, ifappropriate)

填寫滙豐不可撤銷跟單信用證指引Instructions of Completing HSBC Irrevocable Documentary Credit Application Form

X

58 59

ii 轉讓跟單信用證權益指示（有發票及匯票替代） Instructions for Transfer of Credit (With Substitution of Invoices)

1514

20

19a 19d

19b 19e

19c 19f

18

1312

11

9

8

6 7

5

2

3 4

1

A

B

C

D

10

1716

A部分：原有信用證資料Part A:OriginalDocumentaryCreditInformation

(ExportDCfromthebuyer)

1 入口商／買家的信用證號碼DC number of original DC received from the importer/buyer

2 開證銀行名稱NameoforiginalDCissuingbank

3 信用證總額TotalDCamountoftheoriginalDC

4 信用證最遲的付運日期LatestshipmentdateoftheoriginalDC

5 信用證到期日ExpirydateoftheoriginalDC

6 第一受益人／轉讓人的名稱Nameof1st beneficiary/transferor

7 第一受益人／轉讓人的出口賬戶號碼ExportaccountNo.of1st beneficiary/transferor

8 第一受益人／轉讓人的聯絡人名稱及電話Contact person and telephone no. of 1st beneficiary/ transferor

B部分：轉讓信用證詳情Part B:TransferDocumentaryCreditDetails

9 第二受益人／供應商名稱及地址Fullnameandaddressofthe2nd beneficiary/supplier

10 第二受益人／供應商聯絡人名稱及電話，如有Contact person and telephone no. of the 2nd beneficiary/supplier, if any

11 轉讓信用證的通知方式MethodforadvisingtheTransferDC

12 轉讓信用證的金額（用文字表達）Amountoftransferinwords

13 轉讓信用證的金額（用數字表達）Amountoftransferinfigures

14 轉讓信用證最遲的付運日期（註：可以與信用證最遲的付運日期一樣或較該日期為早）LatestdateofshipmentfortheTransferDC(Remark:it can be same as or earlier than the latest shipment dateoftheoriginalDC)

15 轉讓信用證到期日（註：i）如信用證於香港到期，必須為原有信用證到期日的七日前。ii）如信用證於香港以外地方到期，必須為原有信用證到期日的十四日前。）ExpirydatefortheTransferDC(Remarks:i)itmustbe7dayspriortotheexpirydateoftheoriginalDCiftheoriginalDCexpiresinHongKong.ii)itmustbe14dayspriortotheexpirydateoftheoriginalDCiftheoriginalDCexpiresoutsideofHongKong.)

16 轉讓信用證列明的貨物數量及價格Quantity and unit price of the goods for the supplier

17 交單期（註：第二部分第十四點列明的付運日期及第二部分第十五點列明的到期日之間的日數）Periodforpresentation(Remark:numberofdaysbetweenthelatestshipmentdatementionedinPartB– point14andexpirydatementionedinPartB–point15)

18 特別指示（如須要附加文件如第二受益人證書、或註明通知銀行的名稱及地址）Specialinstructions(egextradocumentsrequiredsuch as transferee's certificate, or specify name and address of advising bank

C部分：收費—請註明負責繳費的一方Part C:Charges–Pleasespecifywhowillpayforthe

relative charges.

19a 轉讓信用證手續費HandlingchargesforeffectingtheTransferDC

19b 代替匯兌佣金（出口商進賬戶口的貨幣跟信用證列明的貨幣是相同）CommissioninlieuofexchangechargedbyHSBC(Thecurrencyoftheaccounttobecreditisthesameasthecurrencyinthebill,forexample:USDbillcredittoyourUSDaccount)

19c 轉讓銀行（香港滙豐）收費Transferringbank(HSBC,HongKong)'scharges

19d 信用證開證銀行收費Original DC issuing bank's charges

19e 供應商銀行收費Supplier's banker charges

19f 開證行或單據償付前的利息Transitinterestcharges

20 扣除收費的戶口號碼Indicatetheaccountnumberfordebitingthecharges

D部分：簽署Part D:AuthorisedSignatory

第一受益人的授權簽署（及公司蓋章，如適用。須與滙豐紀錄的簽署相同）Authorisedsignature(withcompanychop,ifappropriate)of 1stbeneficiary(Remark:itmustconformtotherecordheldwithHSBC)

填寫滙豐轉讓跟單信用證申請表格指引Instructions of Completing HSBC Transfer of Credit (With Substitution of Invoices)

X

60 61

iii 出口貿易託收╱議付指示 Export Trade Collection/Negotiation Instructions

16

15

19

14c

13

12

14

12a

14b

14a

10

6

9

8

7

2

3a

3b1

5

4

11

18

17

1 向香港滙豐提出信用證議付。每項交易作個別處理，滙豐擁有最終決定權RequestHSBC,HongKongtonegotiatetheDocumentaryCredit(DC).Eachtransactionishandledonacase-by-casebasisandisatthediscretionofHSBC

2 主要針對遠期信用證，向香港滙豐申請貼現服務RequestHSBC,HongKongtododuedatediscountingfor usance DC

3a 向香港滙豐提出寄送相關文件予開證銀行。付款只在香港滙豐收取到開證銀行的資金才生效。RequestHSBC,HongKongtosenddocumentstoDCissuingbankforpayment.Paymentwillonlybeeffected upon receipt of funds from DC issuing bank

3b 向香港滙豐提出寄送相關文件予托收銀行作付款／確認接納。付款只在香港滙豐收取到托收銀行的資金才生效RequestHSBC,HongKongtosenddocumentstocollectingBank(forD/PorD/Abills)forpayment/acceptance.Paymentwillonlybeeffecteduponreceipt of funds from collecting bank by HSBC, HongKong

4 向香港滙豐提出出口票據託收融資，如：付款交單及承兌交單。每項交易作個別處理，滙豐擁有最終決定權RequestHSBC,HongKongtofinanceDocumentaryCollection,egD/P(DocumentsagainstPayment)andD/A(DocumentsagainstAcceptance).Eachtransactionishandledonacase-by-casebasisandisat the discretion of HSBC

5 出口商名稱及地址（信用證受益人或非信用證收款人）Nameandaddressofexporter(DCbeneficiaryordrawerfornon-DCbills)

6 出口商聯絡人姓名及電話Contactpersonandtelephonenumberoftheexporter

7 信用證開證人名稱或非信用證付款人名稱及地址NameofDCapplicantornameandaddressofdrawee

8 信用證號碼及開證銀行名稱（適用於出口信用證交單）或托收銀行名稱及地址（適用於付款交單或承兌交單）Documentary Credit no. and name of the issuing bank (forexportbillsdrawnunderDC)ornameandaddressofcollectingbank(forDPorDAbills)

9 貨物簡介（如：玩具）Briefdescriptionofgoods(egtoys)

10 出口文件資料（如：發票編號、運抵日期等）Informationofexportdocuments(eginvoicenumber,onboarddateetc)

11 保險安排Insurancearrangement

12 列明交予香港滙豐的文件及文件數目IndicatedocumentsandnumberofdocumentspresentedtoHSBC,HongKong

12a 於第11項中沒有列明交予香港滙豐的其他文件及其他文件數目（例如：受益人證明書及速遞收據等）Other documents and number of other documents presentedtoHSBC,HongKongwhichnotmentionedin number 11 (eg beneficiary's certificate, courier receiptetc)

13 付運文件方法（註：如沒有列明會以DHL付運）Methodsfordispatchingdocuments(Remark:DocumentswillbesentbyDHLifinstructionnotmentioned)

14 請選擇付款指示Pleaseselectthepaymentinstruction

14a 使用（請列明金額）償還打包貸款（請列明貸款號碼）Utilise(pleasestatetheamount)toretirepackingcreditloan(pleasestatetheloanno.)

14b 提供收款戶口號碼及貨幣種類（如港幣或美元）Pleasestatethecompanycashaccountwiththecurrency(egHKDorUSD)

14c 請提供入口單據的資料（只適用於背對背信用證／入口單據／已轉讓信用證）PleasestatethedetailsforBacktoBacktransaction/ExportWillBuytransaction/TransferDCtransactiononly

15 出口戶口號碼（註：出口貿易戶口號碼，字尾通常為095）Exportaccountnumber(Remark:Exporttradeaccountnumberwhichusuallyisendingwithsuffix–095)

16 列明用作扣除銀行收費的戶口號碼（註：公司現金戶口，請註明戶口貨幣如港幣或美元）Indicatetheaccountnumberfordebitingthebankcharges(Remark:Companycashaccount–pleasementioncurrencyoftheaccountegHKDorUSD)

17 總單據的貨幣及金額Currency and amount to be drawn for the bill

18 只適用於付款交單或承兌交單（非信用證交易）TobecompletedonlyforD/PorD/Abills(non-DCbills)

19 簽署（及公司蓋章，如適用）Authorisedsignature(withcompanychop, ifappropriate)

填寫滙豐出口貿易託收／議付申請表格指引（出口貿易託收／議付）Instructions of Completing HSBC Export Trade Collection/Negotiation Instructions

X

64 Y2-E0-PHTV12-NOV-51

IssuedbyTheHongkongandShanghaiBankingCorporationLimited由香港上海滙豐銀行有限公司刊發