银行有条件付款承诺(MT103/23)的样本

是汇款行根据汇款人的委托，按照汇款人的要求，以电汇（T/T）外的一种汇款方式：信汇（M/T）方式用SWIFT（MT103）办理外汇汇出汇款，委托境外代理行将一定的金额付给指定收款人的 不可撤消付款指令 业务；分为无条件支付（Unconditional）和有条件支付(Conditional)两种。

 

    亦在国际间为了防止替罪犯洗黑钱，而在2004年开始订正了电汇T/T、或者是信汇（M/T）方式（SWIFT MT100）的隐藏出款人身分条款的新方式去办理汇出汇款一种电文要求，而（SWIFT MT103）则要求出款人身分证明的申报书的一种新格式，其中有多个条款及细则要求出款人及银行申明汇款的方式、来源、种类、要求及用途等。（至於MT103 FIELD XX  SWIFT CODE 即有条件支付(Conditional)的解释请见下遍文章“瑞士联合银行”swift code解释）

    The authorities decided already at the end 2002 that within the year 2003 the Swift MT 799 should not be used anymore and should be replaced by the specified formats like MT 103/23 or MT 543.· The reason is that the MT 799 is a free text message of the Swift 700 series and with slightly changing of different words some restrictions, like free transferability for example could have been circumvented.Furthermore the authorities want, that banks and their branches participating in this business must assure that the bank officers and the Swift departments are properly trained. It is of course the situation that a Free Text Message can be written by everybody, while issuing and sending a MT 103/23 or MT 543 requires a special and expensive training at the Swift academy for every bank officer. This way the participating banks/branches are controlled stronger and only highly qualified bankers can make the executions circumventing corruption inside the banks.

CONDITIONAL SWIFT VERBIAGE
S.W.I.F.T. FORMAT MT 103/FIELD 23
TO :
Bank Officer :
Phone Number :
Fax Number :
S.W.I.F.T. :
Account Number :
Account Holder :
FROM :

Bank Officer :
Phone Number :
Fax Number :
S.W.I.F.T. :
Account Number :
Account Holder :
BY THE ORDER OF :
TRANSACTION CODE :
BUYER’S CODE :
SELLER’S CODE :
WE, , HEREBY PRESENT OUR IRREVOCABLE, ASSIGNABLE, TRANSFERABLE AND CALLABLE CASH BACKED S.W.I.F.T. WIRE TRANSFER MT 103/FIELD 23 CONDITIONAL IN YOUR FAVOR FOR THE ACCOUNT OF   IN THE AMOUNT OF US$ ( UNITED STATES DOLLARS) FOR THE PURCHASE OF THE BANK INSTRUMENTS HEREIN DESCRIBED BY VERIFICATION OF REGISTRATION CUSIP NUMBERS CORRESPONDING WITH THE ISSUED CALLABLE CUSTODIAL SAFEKEEPING RECEIPTS WITH PHYSICAL DELIVERY TO BE MADE THEREAFTER.  THIS S.W.I.F.T. IS CONDITIONAL UPON OUR ACCEPTING THE CERTIFIED BANK INVOICE.
WE HEREBY CONFIRM THAT THE FUNDS ARE GOOD, CLEAN AND CLEARED FUNDS OF NON-CRIMINAL ORIGIN AND ARE FROM A LEGAL SOURCE.
THIS IRREVOCABLE S.W.I.F.T. IS A BINDING FULLY PERFORMED DUE BILL AND IS IMMEDIATELY CALLABLE ON US FOR CASH PAYMENT AGAINST THE BANK CERTIFIED INVOICE CONDITIONAL UPON OUR ACCEPTANCE FOR THE PURCHASE AND DELIVERY OF THE BANK INSTRUMENTS SPECIFIED BELOW:
INSTRUMENTS :
CURRENCY :
UNITED STATES OF AMERICA DOLLARS
TERM : () YEAR(S) AND ONE (1)
DAY INTEREST : % ( PERCENT)
COUPON ISSUING BANKS : FROM TOP TWENTY-FIVE (25) WESTERN EUROPEAN
BANKS RATED “AA” OR BETTER WITH NORMAL EXCLUSIONS
DENOMINATIONS : $10, $25, $50 AND $100 MILLION UNITED STATES  
DOLLARS

THIS CONDITIONAL, IRREVOCABLE, DIVISIBLE, ASSIGNABLE, TRANSFERABLE AND CALLABLE S.W.I.F.T. WIRE TRANSFER IS VALID FOR TEN (10) BANKING DAYS FROM ____ DAY OF ________ 2004 AND UNTIL THE ____ DAY OF _______ 2004 1700HRS CENTRAL EUROPEAN TIME.
THIS IS AN OPERATIVE BANK INSTRUMENT AND IS SUBJECT TO THE UNIFORM COMMERCIAL CODE AS IT RELATES TO BANK CREDIT INSTRUMENTS. ___________________________ ______________________________
BANK OFFICER
BANK OFFICER
NAME NAME TITLE TITLE