, what is the d/a

d/a, is defined as the purchase and sale of contracts by the beneficiary entrusts the Bank to purchase units in different places after shipment to receive payment, purchases under contract after checking documents or inspection, recognition of a settlement payment to the Bank.

II, types of d/a

d/payment methods in different places, post and Telegraph two, selection by the payee. Mail and Telegraph two-settlement voucher is a five. First the back, is the payee payee bank to back; the second delegate credentials, was commissioned by the payee bank to handle commissions after payment receipt voucher; a third cheque vouchers are payments to the bank payment voucher. IV the advice of receipt, is Bank payment receipt by the payee to the payee after receiving notice v commitments (payments) notice is the payer's Bank notify the payer to meet commitments commitments payments (payments) notice.

third, the scope of application of the d/a
　
　D/economy contracts only apply to offsite payment settlement of commodity trading and related services. Sell, consignment or goods on credit payments, shall not apply for d/offsite.

four basic provisions, handling offsite d/

1. What is collection, should note what

refers to the volume of collection units (the beneficiary) commissioned the Bank to collect the payment behavior. When using, must conform to the contract under the law of economic contracts, and indicate on the contract using a d/a and comply with “ shipping settlement ” principles. So-called “ ship clearing ” refers to the beneficiary in accordance with contract issues, and obtain proof of shipment, parties may apply to the Bank for collection procedures.

starting point of the collection amount is 10,000 yuan. Money transfer methods are e-mail and two, faster than email, collections can be selected according to the level of priority.

2. What is committed, should pay attention to what matters

commitment refers to the purchasing unit (that is, payments) during the commitment period, confessed to bank payment behavior. Commitments in two ways, namely commitment form and inspection inspection commitments. Commitment means inspection commitments payments received by bank transfer notice and related documents, and after the check in line with the contract, it is necessary to recognize the settlement of payment. Inspection of single commitment to enter into commitments for a period of 3 days, from the payer's Bank commitment issued computed from the day following the notification of, holiday deadline.

apart from inspection, inspection commitment refers to the payments unit, also goods such as all in the arrival and acceptance into the commitment only after payment for the method of payment. Inspection commitments to enter into commitments for a period of 10 days, issued from the carrier delivery computed from the day following the notification of when holiday extended.

payment if at the time of inspection or inspection discovered the varieties, specifications, quantity, quality, price and contract compliance, can be full or partial refusal of the comments made during the commitment period. Unpaid payment to fill in “ grounds for refusing to enter into commitments book ” to send to the Bank review and protest formalities. It should be noted that refused payment for goods is the other side all be responsible for its custody. The payer makes no objection to the Bank during the commitment period, Bank commitments moyi, the day following the expiration of the commitment authority of funds take the initiative this morning from the payer account transfers to the beneficiary's account.

payment after the expiration of the commitment authority, if it does not have sufficient funds in the bank account payment, deferred payment processing their shortfalls. Deferred payment part of compensation to be paid proportionally to the receiving party. When covered in accounts in the payment, by the payor Bank debts and the compensation should be transferred to the payee.

d/a mode of settlement procedures and accounting methods, collection and the method of payment of the same.

3. off-site conditions of d/

(1) payments must be settled in commodities trading, as well as labour supply due to commodity trading funds, sell, consignment or goods on credit payments, not using the commodity transactions.

(2) payment both the d/a must be checked in accordance with the law on contracts of purchase and sale contracts, and stipulate in the contract using offsite d/way.

(3) payment using commodity transactions the parties, must be heavy contract, keep promise.

(4) the recipient is using, must have products have the shipping documents (including the rail, shipping, Road Transport Department to issue copies of the air waybill, consignment and the postal receipt).

for the following cases, without the shipping documents, by virtue of the relevant documents for collection procedures:

(1), domestic trade, foreign trade departments sent commodity transfer within the system, bring your own transport or by oneself; flammable, explosive, toxic, corrosive products, as well as the special tools must be used, such as electricity, petroleum, natural gas or lines, pipeline transport, payment units do have proof of receipt of goods (food sector by virtue of Bill of lading and delivery schedule).

(2) material supply of equipment to the railway system in the railway sector, issued by virtue of them indicate the vehicle number and proof of the date of shipment.

(3) Army junlie vehicle consignments are shipped with vehicle number and the date thereof; military warehouse on military shipments, issued copies of bills of lading by virtue of the General Logistics Department, the greater military areas, military may also apply mutatis mutandis to handle.

(4) beneficiary for or repair ship, the boiler or large machine, long production cycles, proved by works progress settlement of the contract, by virtue of certificate of completion of the works progress.

(5) payment units purchase merchandise, seat factory processes, supporting the transfer of the beneficiary, payment processing, supporting units rests with the unit and documentary proof.

(6) contract prescribed goods held by the beneficiary ' s can register card and payment unit of bailment of goods certificates.

(7) railway container or use less-than-carload rounding of shipped goods, since only issuing a lading, by virtue of holding shipping documents issued by the unit certificate.

(8)-trade sector imports, billing, imports from foreign companies out of the final bill.

　　In addition, in accordance with the provisions of:

(1) d/a can only be used in different places in different places, cannot be used in city;

(2) d/offsite each payment will start from 10,000 yuan, each payment will start from 1000 Yuan Xinhua Bookstore system;

(3) medium and large State-owned industrial enterprises and commercial primary and secondary wholesale enterprises d/offsite, if you need some amount of settlement funds in transit, you can apply to the Bank for clearing loans;

(4) payments unit Bank for insufficient payment collections for overdue payments, however, outstanding units calculated according to daily 0.005% late payment of compensation.

4. offsite overdue payments d/do

at the expiration of the commitment authority of the payer banking business at the end of the day, in the absence of sufficient funds to cover, its insufficiencies, namely for the overdue payment at the end, treated as an overdue payment.

(1) payer's Bank for payment payments late, should be based on late payment and late days on a daily 10.5%. Calculate the overdue payment, but unreasonably refused to pay, and an increase in Bank examination, commitment from expiry date, calculate the overdue payment of compensation.

late payment of days from the expiry date of the commitment. Expiry date Bank commitments at the end of business the payer without adequate funds to cover, its shortfall, should be counted as 1 day overdue, calculate 1 day compensation. Day after the expiration of the commitment authority (in cases of statutory holidays, late payment of compensation deferred due to the number of days, but after the case of statutory holidays should be as is days overdue) banks at the end of business, still not sufficient funds to pay, its shortfall, should be counted as 2 days, calculating compensation for 2 days. And so on.

(2) introduce regular compensation withheld, calculated on a monthly basis, on the 3rd classified separately to the recipients. In months within has part payment of, its compensation gold with part paid of money is zoned to collection people, on has not been paid of money, end of the month again calculation compensation gold, Yu times months 3rd within is zoned to collection people; times months and has part payment Shi, from month 1st up calculation compensation gold, with part paid of money is zoned to collection people, on has not been paid of money, from month 1st up to end of the month again calculation compensation gold, risks wholly or mainly arising March 3 within is zoned to collection people. 3rd month of partial payment, in accordance with the above-mentioned approach taking into account deduction of compensation.

compensation withheld as enterprise sales income deduction order first, such as payment account balance less than full payment should be arranged before the wage, and on that account take “ just don't pay ” controls, following to be withheld in full compensation, payment of grant other sum. Economic consequences arising therefrom, by the payer responsible.

(3) payer's bank account to keep track of payments into the account overdue funding, when when the account, must be overdue payments and compensation payable to recipients in a timely manner, no delayed deduction.

(4) Bank of the payer does not perform under the contract, the third payer payment arrears, it shall notify the payee bank to inform the payee, stopped payments to the person using the. If the beneficiary does not listen to advice, to continue paying for the person using, from the payer's bank account on the day following the notification of 1 month after receiving the collection voucher, can be rejected, indicate the reasons for, the original return.

(5) payment one bank overdue collection voucher, is responsible for the deduction for a period of 3 months (from the expiry date of the commitments). During this period, banks must gradually in the debit order deductions. At the end, if the payer is still not sufficient funds to pay outstanding debts, banks should inform the payer the next day the relevant transaction documents (documents have been posted or partially paid, can fill “ payment certificate ”), returned to the Bank in the 2nd. Bank settlement voucher, along with transactions related documents or payment certificates returned to the payee bank transferred to the payee, and the compensation payable to the payee. On the payer fails to return documents, Bank from the 3rd day of notification, in accordance with the outstanding arrears amount, punished by a fine of 0.05% every day, and the suspension of payment to handle the settlement business, until until the return document.

payable to prove a single in two, first through the banking bills transmitted to the payee as a receivable, the second payer retained as proof of payments.