纽约梅隆银行清算业务精讲课件.ppt
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纽约梅隆银行清算业务介绍纽约梅隆银行清算业务介绍Angela YehTreasury Service 2011年6月 摘要摘要Ø纽约梅隆银行发展历程纽约梅隆银行发展历程Ø美元清算系统美元清算系统Ø纽约梅隆银行美元清算服务纽约梅隆银行美元清算服务Ø台湾汇款清算系统台湾汇款清算系统2 纽约梅隆银行发展历程纽约梅隆银行发展历程 4发展历程亚历山大亚历山大. 汉密尔顿先生于汉密尔顿先生于1784年创立年创立 美国第一家银行美国第一家银行2007年年7月月1日和梅隆银行合并，后者由日和梅隆银行合并，后者由安德鲁安德鲁·梅隆创立梅隆创立分支机构遍布全球分支机构遍布全球36个国家和地区，个国家和地区，全球全球49,000多名员工多名员工 5一个全球金融服务的提供商在产品广度和全球影响上的根本性进步1900-2000 – 积极建立传统的投资战略通过收购，和一系列战略同盟达到业务地国际增长一个共同，清洗和突出的焦点两个机构联合在一起构成了世界上最大的证券服务商，和资产管理公司, 成为在金融服务方面无与伦比的公司17841869纽约银行建立T. Mellon and Sons’银行建立 19世纪90年代-20世纪30年代 – 早期拓展进入托管，公司信托和股票交易领域1946与联邦信托合并梅隆资本管理公司19831993收购波士顿公司1994收购Dreyfus收购了Newton资产管理公司大部分股权并创立了梅隆全球投资有限公司1998与纽约银行合并2007与纽约人寿保险信托公司合并19221988收购欧文信托2000收购常青藤资产管理公司1996收购 J.P. 摩根信托业务与梅隆金融公司合并20072006与J.P. 摩根大通公司信托业务进行资产互换联合2003收购 Pershing LLC 公司名称公司名称穆迪穆迪标准普尔标准普尔纽约梅隆集团纽约梅隆集团 Aa2 #1 AA- #1摩根大通集团摩根大通集团Aa3A+美国合众银行美国合众银行Aa3A+北美信托北美信托A1AA-富国银行集团富国银行集团A1AA-道富银行道富银行A1A+高盛集团高盛集团A1A美国银行美国银行A2A摩根士丹利摩根士丹利A2A花旗集团花旗集团A3APNC金融服务集团金融服务集团A3A美国运通美国运通A3BBB+6注释：以上所有集团的优先债务等级数据统计截至注释：以上所有集团的优先债务等级数据统计截至2011年年1月月19日日纽约梅隆是美国唯一一家获得穆迪纽约梅隆是美国唯一一家获得穆迪AAA评级的银行评级的银行纽约梅隆信用评级名列前茅纽约梅隆信用评级名列前茅 美元清算系统美元清算系统- FEDWIRE : Gross Settlement 即时清算系统- CHIPS : Net Settlement 净额交割系统- ACH：：大批量的单一借贷交易系统 美元支付清算流程8FEDWIRE美元代理行(BNYM NY)汇款行(ABC)MT103MT202CHIPS指令FED指令收款行纽约中间行（CHIPS成员行）3 FEDWIRE1 内部转账2 CHIPS美国境内或美国境外的账户行美国境内的账户行 Fedwire and CHIPS SummaryFedwireCHIPS 运作机构Federal Reserve BankThe Clearing House 清算时间 （美国东部时间）9 PM (V-1) til 6:30 PM E.T.9 PM (V-1) til 5 PM E.T. 成员行9,50050 成员行代码9-digit Fed ABA4-digit CHIPS ABA(6-digit CHIPS UID) 清算类型Primarily domestic transactions International US Dollar clearing 年交易金额$928 trillion (万亿)$368 trillion (万亿) 年交易数量$145 million (百万)$90.9 million(百万)9 美元支付清算系统 年交易量和交易金额数据（2010年）Fedwire Funds Service – 2010 •RTGS - Real-time Gross Settlement System 即时清算系统•Owned by the U.S. Government & operated by the Federal Reserve Bank (12) 由美国政府所拥有及美联储的12大区行负责管理•9500 participants 目前有9500个成员行•Participants can be on-line or off-line members 成员行可以是或离线的成员•Mainly domestic transactions 以美国境内交易为主 Interbank Transfer - Reserve borrowings, Correspondent settlements Securities settlements 银行间的转帐 – 主要为储备金. 同业银行间汇款及证券交易的清算 large value commercial transactions 大额的商业汇款•Fed Routing Number/ABA Number (American Bankers Association) – 9 digits•The Bank of New York Mellon, New York ABA Number : FW021000018 10 Fedwire OverviewOperating Hours 运行时间•Implemented on May 17, 2004 to extend the day with business hours. The purpose was to allow overlap with business hours in Asia and EMEA 2004年5月17日开始执行延长交易时间, 主要的目的是与亚洲欧洲及中东 的交易时间同步 •21.5 hours business day begins at 21:00 (the day before value date) and end at 18:30 (value date) 交易日为前一天21:00开始至当天18:30结束, 共计21.5小时 11 Fedwire Mechanics付款的清算以现金余额加日间透支额度为基础1.借记付款方在： - 在美联储的先进余额 或者 - 日间透支额度2.贷记到收款的收款方账户3.所有完成清算的付款被视为最终的且不可撤销的12Participant AParticipant BReserve Balance:$100,000,000 - $ 15,000,000 $ 85,000,000Reserve Balance:$100,000,000 +$ 15,000,000 $115,000,000$15,000,000$15,000,000Fedwire Fedwire Liquidity Managing liquidity 流动性的管理Each payment is settled on : 每一笔汇款的清算基础如下1.A positive available balance 必要有现金余额在帐上2. Debit Cap - unsecured intraday overdraft line by FRB 借记额度是由美联储提供的无担保的日间透支额度3.Pledged Collateral – secured daylight overdraft by FRB 承诺抵押是由美联储提供的有担保的日间透支额度13 美元支付清算系统 年交易量和交易金额数据（2010年）CHIPS Funds Service - 2010 •50 participants with 22 countries 目前有50个成员行, 覆盖22个国家 CHIPS direct member: 4 digits CHIPS的直接成员使用4位数字的会员号 例如 The Bank of New York Mellon, New York - CP0001 Universal Identification Number : CHIPS UID number 经常使用CHIPS的银行也可在CHIPS的直接成员银行内开立帐户, 例如: The Agriculture Bank of China, Beijing – UID number: CH279631•95% of International USD Transfer 全球95%的美元跨国支付由该系统完成 •Real-time, final payments system for U.S. dollars that uses bi-lateral and multi- lateral netting 美元即时. 最终汇款交易系统, 使用双边与多边连续轧差清算•Third-party payments with foreign originators and/or beneficiaries 此清算系统适合用于当汇款人和收款人都不在美国境内的交易•USD settlement of FX transactions 外汇交易清算 14 CHIPS OverviewOperating Hours 运行时间•Implemented on May 17, 2004 to extend the day with business hours. The purpose was to allow overlap with business hours in Asia and EMEA 2004年5月17日开始执行延长交易时间, 主要的目的是与亚洲欧洲及中东的交易时 间同步 •20 hours business day begins at 21:00 (the day before value date) and end at 17:00 (value date) 交易日为前一天21:00开始至当天17:00 结束, 共计20小时 15 CHIPS 成员行成员行16 CHIPS The Clearing House Interbank Payment System17How CHIPS Works…..CHIPS6(*5:15pm) CHIPS sends payment orders to banks in positive closing positions via Fedwire5(* 5 pm) CHIPS system removes credit limits and releases as many unresolved payments as possibleCHIPS nets any unresolved payments.Banks fund their respective negative closing positions(* 5:15 pm) CHIPS releases remaining paymentsIntraday•Banks maintain positive balances•Credit limit: Banks position can not exceed 2X pre-funded balance•Participants may: - Prioritize payment - Delete unresolved paymentsPre-funding•Balances to fund the day’s payments•Amount is : -Far less than actual payments - Calculated weekly - Based on prior six weeks2(*9 pm – 5 pm)Banks send and receive paymentsNetting process•Individual•Bilateral•Multi- lateral1(*9 pm) CHIPSAccount at the Fed opens forPre-fundingCHIPS opens for processing payments(Bank pre-fund required balances via Fedwire no later than 9 am)3CHIPSnets and releases final payments4Payments are final when released by CHIPS (throughout the day)* Eastern Time Zone CHIPS – 双边交割双边交割Bilateral Release:两成员行之间，将两笔或更多笔往来付款轧差，按净额交割18BANK ABANK B$300,000$100,000$200,000$200,000$300,000$600,000AVAILABLE BALANCE:$2.5 MILLIONAVAILABLE BALANCE:$1.3 MILLION$500,000$100,000AVAILABLE BALANCE:$1.2 MILLIONAVAILABLE BALANCE:$2.6 MILLION CHIPS – 多边交割多边交割 Multi-lateral Release:三家或更多成员行之间， 将三笔或更多笔往来付款金额轧差，按净额交割19Available balance $3 millionAvailable balance $2.5 millionAvailable balance $2.6 million$22.5 MILLION$3 MILLION$25 MILLION1:500$0.5 MM$3.1 MM$4.5 MM$26 MILLION CHIPS Liquidity1 Bank pre-fund required balances via Fedwire no later than 9 am 银行期初余额需在早上9点钟以前透过Fedwire存入2 Banks maintain positive balances 银行必须在帐上存放余额 - Credit limit: banks position can not exceed 2X pre-funded balance 信用额度：银行可动用的头寸必须控制在期初存放金额的2倍之内3 CHIPS system removes credit limits and releases as many unresolved payments as possible at 5 pm CHIPS在下午5点钟挪去银行的信用额度，尽可能去完成所有支付交易的轧差 和净头寸计算4 CHIPS releases remaining payments at 5:15 pm CHIPS在下午5:15分解付余下的汇款交易5 CHIPS sends payment orders to banks in positive closing positions via Fedwire at 5:15 pm CHIPS 在下午5:15分透过Fedwire将日终清算头寸盈余划拨头寸退还给该银行 20 ACH – Automated Clearing House•Electronic payment network used by financial institutions, government entities, corporations, individuals ACH是一种透过电子网络来进行汇款交易的系统, 使用者为金融机构, 政府 机构, 企业及一般个人•Can be used for settlement of: 可以进行如下业务结算 1. Payroll (薪资) 2. Social Security Benefit (社会保障福利) 3. Dividend (红利) 4. Consumer related(普通个人消费): 例如保险费.水费.电费.房贷及房租等的支付21 22The Internet now gives you access to CHIPS, Fedwire, and S.W.I.F.T.DirectoriesØCHIPS : To find CHIPS UIDs and/or to identify bene bank’s nostro agents, go to This site allows you to search by bank name, city, country or S.W.I.F.T. BICØFEDWIRE : To find a Fedwire ABA Routing Transit number, go to :This site facilitates searching by name, state and cityØS.W.I.F.T. : To find S.W.I.F.T. BICs, go to Useful Websites 纽约梅隆银行美元清算服务纽约梅隆银行美元清算服务 Flexible Charging Features – You Are in Control24Remitter汇款人$1,000Remitting Bank 汇款行Correspondent代理行BeneBank 收款行Beneficiary收款人“SHA” Bene Deduct受益人内扣“OUR” paymentsFULLPAY全额到帐Fee $25 Charde from Billing/accout在每月中账单中收取25美元MT103MT103MT103BEN$1,000OUR$1,000OUR$1,000MT103MT103MT103BEN$985BEN (USD)$1000OUR$1,000$975$990(USD)$1,000Assumptions:Debit Ben-Deduct $15Credit Ben-Deduct $10 BNY Mellon Commercial Payment Products美国纽约梅隆银行美元汇款清算服务美国纽约梅隆银行美元汇款清算服务25Expanding International Focus 国际业务扩展重点§Direct member主要成员 of CHIPS, FEDWIRE, SWIFT, ACH and CLS§Network of 2,000 correspondent banks worldwide, 100 + markets 全球超过2,000 家代理行覆盖超过100多个国家§28 International offices provide service 28家海外分行 §22 Representative offices 22家代表处§Focus of international offices is to provide service to the financial community; not compete in local markets 主要海外分行提供同业代理行的服务, 所以我们不会成为当地银行的竞争对象§Ranked No. 3/4 美元汇款清算量全球排名第三或四 - Global Market Share 10.3% 约占全球总清算量的10.3 % - Daily Volume 170,000 items 每天处理170,000 次交易 - Daily Value $ 1.8 trillion 每天清算额价值1.8万多亿美元 - 35% Internal Book Transfer 35%汇款通过内部转帐 - Peak Daily Volume 245,000 items /$3 Trillion 高峰日清算量: 245,000 笔清算量/ 3 兆美元清算额 26 BNY Mellon Global FootprintUNITED STATESCANADAMEXICOARGENTINACHILEBRAZILBRAZILBERMUDACAYMAN ISLANDSBAHAMASIRELANDUNITED KINGDOMLUXEMBOURGEGYPTSOUTHAFRICASPAINITALYFRANCEGERMANYRUSSIABELGIUMNETHERLANDSSWITZERLANDLEBANONTURKEYUNITEDARABEMIRATESINDIACHINAJAPANHONG KONGSINGAPOREMALAYSIAPHILIPPINESSOUTH KOREATAIWANINDONESIATHAILANDAUSTRALIAEMEA: Alternative Investment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Capital Markets, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Treasury Services, Wealth Management, Eagle Investment SystemsAsia Pacific: Alternative Investment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Treasury Services, Wealth Management, Eagle Investment SystemsAmericas: Alternative Investment Services, Asset Management, Asset Servicing, Broker-Dealer Services, Capital Markets, Corporate Trust, Depositary Receipts, Global Markets, Liquidity Services, Pershing, Shareowner Services, Treasury Services, Wealth Management, Eagle Investment SystemsAmericas33,000+ employees in 7 countries and 2 territories including 5 Canadian provincesand 29 U.S. statesEurope, Middle East, Africa8,000+ employees in 30 cities across 18 countriesAsia-Pacific6,000+ employeesin 16 offices across 12 countriesPOLAND* data as of December 31, 2010, reflects total staff of the company, including subsidiaries and affiliates 27§ Reduce Your Funds Transfer Cost 减轻贵行汇款的成本 >MT103/MT202 Beneficiary Deduct 出账扣费 >MT103/MT202 Credit Deduct 入账扣费 § FULLPAY 全额付款 § PRIORITY Payments 优先付款§ MT103 Early Processing Service 提早放行服务§ Automated Intermediary Service 自动选择中间银行服务§ Same Day Cancellation & Amendment Services 付款当日取消和修改服务§ Special Return of Funds Processing 特殊退款服务BNY Mellon Commercial Payment Products纽约梅隆银行商业汇款产品纽约梅隆银行商业汇款产品 28§Options:>Beneficiary Deduct (Ben Deduct) 出账扣费>Credit Deduct 入账扣费§Eligible Transactions: 汇款的方式>MT103 Non-Bank customer transfers >Field 71 : /SHA/ or /BEN/>MT202 Import L/C Field 72: Export Collection transactionsTo Reduce Your Funds Transfer Cost 减少贵行的汇款成本减少贵行的汇款成本 29Bene Deduct Benefits:The outgoing payment is free of charge to your bank 本行在执行这笔汇出款时不会向贵行收取任何的费用>We deduct our processing fee & pay net proceeds to payee bank 本行会在汇出款至收款行的过程当中，已扣除我们的手续费Your SWIFT message volume is reduced saving SWIFT charges 贵行发送报文量减少会节省SWIFT的费用>For non-bank customer transfers, a single MT103 bearing your Bene Deduct instruction is used to replace the traditional procedure of sending: 非银行汇款， 只需发送一个MT103从而取代过去传统发送报文的方式-a MT103 to bene bank, and-a MT202 COV to correspondent bank for the coverTo Reduce Your Funds Transfer Cost减少贵行的汇款成本减少贵行的汇款成本 30Credit Deduct§The incoming payment is free of charge to your bank 处理这笔汇入汇款时，不会向贵行收取任何的费用§We deduct our processing fee & credit your account for the net proceeds 执行这笔汇入汇款时 ，本行扣除手续费后，净额再汇入贵行账户内§No need for you to recover The Bank of New York Mellon service charges from beneficiary 贵行无需承担帐务费用 §Options:§All MT103 non-bank customer transfers§MT202 - L/C and Export collection transactions§Only those transactions bearing certain reference number in field 21, or§ALL transactions, except certain reference numbers in field 21To Reduce Your Funds Transfer Cost减少贵行的汇款成本减少贵行的汇款成本 31§ Fixed charges borne by remitting party 本行跟汇款银行收取固定手续费§ /FULLPAY/ is The Bank of New York Mellon codeword used only in your MT103‘swhen you would like to effect full payment of the principal amount to the beneficiary. 透过本行汇款时， 贵行如需全额到帐至收款人的账户， 只需在MT103的报文中 放入 / FULLPAY / 的指示即可。
§ MT103 formatting 报文格式如下 : 71A : OUR : 72 : /FULLPAY/FULLPAY Service 全额付款服务全额付款服务 32The Bank of New York Mellon will pass on your "charges: OUR" instruction tothe intermediary bank (if any) or the beneficiary bank. In most cases, these banks will follow the instruction by passing on full proceeds to the beneficiary and claiming related fees from us.本行会把贵行要求全额到帐（OUR）的付款指示发送给中间银行或收款行 在大部分情况中，这些银行会根据汇款指示全额到账至收款人账户， 反向本行收取相关的手续费There is a charge back fee of $25 on your monthly service charge advice to cover the fee subsequently claimed by the intermediary/beneficiary bank. 此服务的手续费为每笔25美元，已包含中间行或收款行向本行收取相关的全部费用，这个手续费将会显示在贵行每个月的帐务服务费账单中FULLPAY Service 全额付款服务全额付款服务 33§Time-sensitive payments can be marked for priority 优先处理针对时效性的汇款§Field 72 : /EARLY/ (or /PRIORITY/)§Applicable to MT103 and MT202 subject to availability of balance 当贵行账户余额充足时，此付款方式适用于MT103及MT202的汇款§Recommend coordination with our Shanghai Customer Service Team 可要求本行上海客服的同仁来协助处理PRIORITY Payments 优先付款优先付款 34§The Bank maintains a computer file of Beneficiary Bank S.W.I.F.T. addresses and CHIPS UID’s, including their U.S. correspondents 本行的电子文档存有收款行往来 Swift address和CHIPS UID的详细资料， 包括这些收款行在美国的代理行§Payments to Beneficiary Banks that do not have accounts at The Bank will be automatically routed to the U.S. bank listed in the file 当收款行并未与本行开立美元帐户时，本行汇款系统将提供自动搜寻 中间行的服务Automated Intermediary Service 自动选择中间行的服务自动选择中间行的服务 35Benefits: 优点§No need to maintain files or refer to CHIPS guides to identify Intermediary Banks to pay through 在执行汇款过程中无需维护文档或参考CHIPS目录而选择中间银行§No operator intervention charge if the Beneficiary Bank is identified with S.W.I.F.T. address or CHIPS UID 收款银行有SWIFT的资料或CHIPS UID号码，则无需支付人工干预的费用§The Bank assumes liability for mis-sent payments 如果造成汇款发生错误时，纽约梅隆银行将承担所有的责任Automated Intermediary Service自动选择中间银行服务自动选择中间银行服务 36Eligibility:§MT103’s§MT202’s of less than $50,000Automated Intermediary Service自动选择中间银行服务自动选择中间银行服务 37Sample MT10320: ABC12350: Originator56:57: Beneficiary Bank’s CHIPS UID or SWIFT address59: BeneficiaryAutomated Intermediary Service自动选择中间银行服务自动选择中间银行服务56 38§We begin processing your MT103’s at about 21:30 NYC time after completion of batch running for the day, and send our MT103 to Beneficiary Bank immediately 纽约梅隆银行在完成当日的备份处理之后，于每天的纽约时间21:30执行贵行所 发出的MT103， 并立即发送我行的MT103给收款银行§Cover is sent when CHIPS/Fedwire opens or via book transfer, if applicable 头寸会透过CHIPS/Fedwire开始运行时或账簿上转帐来执行§Avoids delays associated with time zone differences 避免由于不同时区所造成的延迟 MT103 Early Processing Service 提早放行服务提早放行服务 39To qualify for MT103 early processing, you must meet the following criteria符合MT103提早放行服务的必要条件如下：§Your bank has sufficient balance 贵行帐上必须存放足够的余额§MT103 goes straight through MT103 必须要符合直通率的格式§The Bank maintains authenticated swift key with bene bank 本行必须和收款行有authenticated swift key的交换§Field 57 must not include an account number with intermediary bank. It should be either a CHIPS UID or Swift address (not dual identifier) 57栏不得与中间银行有户头往来， 它必须要有CHIPS UID号码或 SWIFT address（二选一）§The payment order does not involve any blocked entities 汇款的指示中不能与任何制裁的名单相抵触MT103 Early Processing Service提早放行的服务提早放行的服务 40§For returned funds, BNYM send a swift message to your bank stating: 当款项退款时，纽约梅隆银行会发送一个邮件到贵行：>Reason for return, if stated by payee bank 如果国外的汇款银行有告知退款理由，我们会在报文中告知>Funds will be held for 5 working days, pending your guidance 我们会把汇款款项保留5个工作日， 直到接到贵行的进一步指示>Funds will be re-credited to your account if no instruction is received from your bank within the specified time frame>如果没有接到贵行的进一步指示，我们会把汇款款项退还至贵行的账户§Reduces your reconcilement problems 减少贵行销账的困扰§No extra transactional fee for re-effected payments 当重新汇款时， 没有任何额外的手续费发生Special Return of Funds Processing特殊退款服务特殊退款服务 Client Services Contacts 纽约梅隆银行纽约梅隆银行上海上海客服团队客服团队The Bank of New York Mellon,Shanghai BranchAddress: 41st Floor Hang Seng Bank Tower, 1000 Lujiazui Ring Road, Pudong New Area, Shanghai 200120Fax: 86-21-5882-3025SWIFT: IRVTCNSHHotline: 800-820-6818Group Email: Working Hour: 8:30 am ~ 7:00 pm Ms. Cathy Wang 王倩，王倩， ManagerTel: 86-21-3866-1186Cell: 86-158-0177-3673Mr. Jay Li 李杰李杰Tel: 86-21-3866-1196Ms. Kitty Zhou 周莹周莹Tel: 86-21-3866-1199Ms. Lucinda Bian卞佳敏卞佳敏Tel: 86-21-3866-1222Ms. Ada Zhang张颖张颖Tel: 86-21-3866-119441 Funds Transfer Services42Regular Services- Unable to apply - Confirmation of credit - Non-receipt of funds - Return of funds - Account search - Funds block inquiry - Service charge inquiry - Back valuation - Overdraft Interest - Late Night Investment & adjustment- Monthly Account StatementsSpecial Services - Multicurrency payment- SWIFT formatting- Fullpay- Priority payment- Handling of urgent cases- Other special requests of clients Trade Finance Services43- LC advising inquiry (e.g. non receipt of LC)- LC payment inquiry (e.g. non receipt of acceptance or funds)- Reimbursement Claim to BNY Mellon- IGC inquiry (Internet Global Collection)- Forfeiting (procedure, credit line, pricing inquiry etc)- Import Financing (procedure, credit line pricing inquiry etc) 台湾汇款清算系统台湾汇款清算系统 台湾境内美元汇款方案45方案方案1:透过财金汇款 (8家)(成立于2010年12月6日)方案2:透过台湾境内存汇行(45家)(成立于2010年12月6日)方案3:透过国外美元存汇行汇款处理任何一家台资银行透过自己本身电脑系统与财金公司连线, 执行汇出放行, 汇款讯息即传送电脑主机处理.1. MT103 (存汇行客户)2. MT103 + MT202COV (非存汇行客户)视客户汇款指示拍发 MT103或MT103 + MT202COV特点1.受款行可于当日收到款项2.全额到受款行3.收取电报处理费 (NT220)4.但是收款行需为共同加入财 汇款之银行5.Cut-off time: 4:10 pm1.受款行可于当日收到款项2.全额到受款行3.若为非存款汇行之国内 他行, 则需收取两通邮 电费(NTD440)4.Cut-off time: 5:10 pm 1.需配合美国地区营业日2.除拍发两通电文,通常受款行受到汇款时间约为一至两个工作天.3.除选用全额到受款人或全额到受款行,否则汇款会被扣收中间银行费用. 台湾美元清算支付系统 – 流程图46美元清算银行美元跨行基金专户A银行调拨专户N银行调拨专户B银行调拨专户跨行系统结账后基金回拨（2）减少跨行基金(3)增加跨行基金(3)兆丰商银同资系统财金公司A银行 美元跨行基金B银行 美元跨行基金N银行 美元跨行基金美元跨行通汇系统一般跨行交易(2)跨跨行行作作业业平平台台端端台湾集中保管结算所台湾集中保管结算所美元票债券交割系统美元票债券交割系统调拨专户增减增加跨行基金（ 2 ）增加跨行基金（ 1 ）减少跨行基金（ 4 ）减少跨行基金（ 2 ）跨行系统结账后基金回拨（ 1 ）调拨专户增减（2）A银行B银行C银行N银行参参加加单单位位端端美元票券等交割增加跨行基金（ 4 ）（（3））（（1））一般跨行交易一般跨行交易减少跨行基金（ 1 ）调拨专户增减（ 1 ）SWIFT调拨专户增减 47No.BANK'S NAMEBANK CODEA/CSWIFT CODE1Bangkok Bank Public Co., Ltd. TPBKB890-0621-109BKAOTWTK2Bank of KaohsiungBOK803-3394-722BKAOTWTK3Bank of PanhsinBOP890-0626-402BBBKTWTP4Bank of TaiwanBOT803-3059-850BKTWTWTP5Bank SinoPacBSP890-0097-620SINOTWTP6Cathay United BankCUB803-3063-041UWCBTWTP7Central Bank of ChinaCBC890-0492-503CBCTTWTP8Chang Hwa Comml BankCHB803-3060-301CCBCTWTP9China Development Ind BankCDB890-0429-844CDIBTWTP10ChinaTrust Comml BankCCB890-006-0190CTCBTWTP11Cosmos BankCMB890-0228-857CSMBTWTP12Credit Suisse Bank TaipeiCSB890-0707-992CSFBTWTE13DBS TaipeiDBS890-0347-791DBSSTWTP14DBS Taiwan Ltd. (former BWB)BWB890-0097-671PABKTWTP15E. Sun Comml BankESB890-0407-204ESUNTWTP16EnTie Comml BankETB890-0228-881ENTITWTP17Far Eastern Intl BankFEB890-0101-644FEINTWTP18First Comml BankFCB803-3060-565FCBKTWTP19Hua Nan Comml BankHNB803-3060-646HNBKTWTP20Hwatai Comml BankHTB890-0600-403HTBKTWTP21ING Securities Co., Ltd.ING890-0708-670 22King's Town BankKTB890-0596-953TNBBTWTN23Land Bank of TaiwanLBT890-0067-608LBOTTWTP24MEGA Intl Comml Bk ICB803-3059-699ICBCTWTP25Shanghai Comml & Savings BkSCB803-3060-999SCSBTWTP26Taipei Fubon Comml BankTFB803-3062-754TPBKTWTP27Taishin Intl BankTIB890-0097-485TSIBTWTP28Taiwan Business BankTWB890-0040-815MBBTTWTP29Taiwan Cooperative BankTCB890-0050-438TACBTWTP30Taiwan Shin Kong BankSKB890-0608-641MKTBTWTP31Union Bank of TaiwanUBT890-0330-783UBOTTWTP32United Overseas Bank, Taiwan br. UOB890-0280-212UOVBTWTP33Yuanta Coml BankYTB890-0101-407APBKTWTH台湾 ：33家台资银行与纽约梅隆银行成立代理行关系并设立美元帐户 48中国 ：45家中资银行与纽约梅隆银行成立代理行关系并设立美元帐户 49No #BANK’S NAMEA/C #SWIFT1Agricultural Bank of China,H.O.890-0330-686ABOCCNBJ2Bank of Hebei,HO890-1051-128BKSHCNBJ3Bank of Changsha, HO890-0719-850CHCCCNSS4Bank of Jinhua, HO890-1003-212JHCBCNBJ5Bank of China,H.O. 803-3412-224BKCHCNBJ6Bank of Communications,H.O.890-0330-694COMMCNSH7Bank of East Asia (China) Ltd,Guangzhou890-0574-577BEASCNSHGZU8Bank of Jiujiang, HO890-0719-702BOJJCNBJ9Bank of Nanjing, HO890-0536-640NJCBCNBN10Bank of Shanghai,H.O.890-0300-051BOSHCNSH11Chang Hwa Bank, Kun Shan890-1043-605CCBCCNBK12Cathay United Bank, Shanghai 890-1054-267UWCBCNSH13China Citic Bank, HO890-0331-801CIBKCNBJ14China Contruction Bank, HO890-0587-571PCBCCNBJ15China Everbright Bank, H.O.890-0298-936EVERCNBJ16China Merchants Bank, HO890-0613-831CMBCCNBS17Commonwealth Bank of Australia,Shanghai890-0720-697CTBACNSH18Credit Suisse First Boston,Shanghai890-0361-093CRESCNSH19Credit Suisse First Boston,Shanghai Banking890-0676-558CRESCNSHPBS20Dah Sing Bank (China) Ltd890-0691-085DSBACNBX21DBS (China) Ltd890-0347-821DBSSCNSH22Evergrowing Bank,HO890-0719-699HFBACNSD23First Sino Bank, H.O.890-0328-576FSBCCNSH24First Commercial Bank,Shanghai890-1044-938FCBKCNSH25China Guangfa Bank Co., Ltd. (Guangdong Development Bank)890-0571-004GDBKCN2226Haining Rural Credit Cooperative Union890-1042-838HNBCCNBJ27Industrial Bank, H.O.890-0406-992FJIBCNBA28Industrial and Commercial Bank of China, H.O.890-0229-047ICBKCNBJ29Jiangsu Jiangyan Rural Commercial Bank890-1045-314JRCBCNBY30Kookmin Bank,Suzhou890-1026-905CZNBCN22SUZ31Kookmin Bank,Guangzhou890-0647-507CZNBCN2232Kookmin Bank, Harbin890-0708-034CZNBCN22HRB33Krung Thai Bank,Kunming890-0299-266KRTHCNB134Land Bank of Taiwan, Shanghai890-1052-310LBOTCNSH35Ping An Bank,HO890-0608-226SZCBCNBS36Shanghai Pudong Development Bank, HO890-0708-727SPDBCNSH37Shenzhen Development Bank, HO890-0548-061SZDBCNBS38Skandinaviska Enskilda Banken, Shanghai890-0600-896ESSECNSH39Taiwan Cooperative Bank,Suzhou890-1041-823TACBCNBS40Tongxiang Rural Credit Cooperatives Union890-1049-727 41Urumqi City Commercial Bank Co. Ltd.890-1081-744UCCBCNBJ42Wing Hang Bank (China) Ltd890-0676-787WIHBCNBX43Yamaguchi Bank,Qingdao890-0060-212YMBKCNBQ44Zhejiang Hecheng Rural Cooperative Bank890-1056-782HCRCCNBJ45Zhejiang Tailong Commercial Bank890-0720-352ZJTLCNBH中国 ：45家中资银行与纽约梅隆银行成立代理行关系并设立美元帐户 The Key Components of Our Brand50PeoplePartnershipPerformance 。
