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第四章托收方式第四章托收方式托收（C o l l e c t i o n）一含义根据《托收统一规则》（URC522）规定：托收是指由收到托收指示的银行根据所收到的指示处理金融票据和商业单据以便取得付款/承兑。
二托收的当事人(一）托收当事人（二）托收各当事人之间的契约关系（三）各当事人的责任委托人的责任托收行代收行付款人三种类和程序1光票托收（不附有商业单据的金融单据项下的托收）2跟单托收*A 附有商业单据的金融单据项下的托收*B 不附有金融单据的商业单据项下的托收托收的业务程序A卖方与买方签定买卖合同并（先行）发货B卖方填写委托申请书并连同汇票和货运单据交托收行C托收行审核申请书和单据无误后回执卖方D托收行向代收行寄送托收指示、汇票和单据E代收行向买方提示汇票F付款人付款赎单G代收行通知托收行款已收妥并转入托收行帐户H托收行向卖方结汇程序图：实践练习我某公司出口货物一批，合同规定采用托收方式付款，设寄单邮程为10天，请填写下表：四合同的托收条款1、D/P at sightUpon first presentation the buyer shall pay against documentary draft drawn by the sellers at sight. The shipping documents are to be delivered against payment only.2、D/P a f t e r s i g h t3、D/A五托收指示1、托收指示的定义托收指示就是寄送托收单据的面函（Covering Letter），它是托收行根据托收申请书制作的，过去称为托收委托书（Collecting Advice）。
以前国际商会出版物第322号称之为托收命令（Collection Order），现在国际商会第522号称之为托收指示。
2、托收指示的重要性□Airmail/cable advice of non-payment/non-acceptance with reasons.□Protest for non-payment/non-acceptance.□Protest waived.□When accepted, please advise us giving due date.□When collected, please credit our account with .□Please collect and remit proceeds to Bank for credit of our account with them under their advice to us.□Please collect proceeds and authorize us by airmail/cable to debit your account with us.3、托收指示的内容（一）交单指示1、交单条件*凭承兑交单*凭即期付款交单*凭远期付款交单*凭其他条款和条件交出商业单据*分批部分付款（Partial Payment）——Delivery of documents against part of collection tobe paid at sight and the balance by way of the acceptance of a separate draft payable at a future date.*凭本票交单（Delivery of documents against promissory note）*凭付款承诺书交单（ Delivery of documents against letters of undertaking to pay）*凭签字的信托收据交单（Delivery of documents against a signed trust receipt）*凭买方或其银行开立保函担保在固定将来日期付款而交单（Delivery of documents against letter of guarantee from the buyers or their bank guaranteeing payment must be made ata fixed future date.)2、利息收取*收取利息的指示：*Please collect interest for delay in payment calculated from the maturity to the date of actual payment at the rate of ×% p.a. on the basis of 360 days a year from the drawee.*Waive/（do not waive）interest if refused by the drawee.3、费用收取4、需要时的代理人*加委托人指定一名代表，在遇到拒绝付款及/或拒绝承兑时作为需要时的代理人，则应在托收指示中清楚、完全地表明此项权限；*如无上述明示，银行将不接受关于需要时的代理人的任何指示。
