1. Business definition: Express remittance business refers to the remittance business in which customers of overseas banks apply for funds to arrive at the account immediately, and after the overseas banks accept the application, the domestic branches remit the money to the payee (account) within the agreed 24 hours. Two. Conditions for Handling (1) Customers who handle express remittance business must immediately deliver the remitted funds and expenses to the remittance bank. (2) Remittance banks must use the SWIFT system to send messages to the Head Office as quickly as possible, and the information of remittance banks and payees should be complete and accurate. (3) The remittance bank handling express remittance business must be a branch of our bank that has opened the SWIFT messaging system. (4) The payee must open an account with the remittance bank, or be able to notify the receipt of the account on the same day and recognize it as remittance. (five) the settlement of foreign exchange or the original currency account shall comply with the relevant provisions of the state's foreign exchange policy. Three. Implementation Measures (1) Remittance Bank. 1. When accepting this remittance application, you must receive remittance funds and remittance fees immediately. 2. Send SWIFT messages to the settlement bank within 2 hours, such as MT 100 or MT202. The remittance bank and payee information in the message should be accurate and complete. 3. The message user reference number (column 108) in the user's header in the payment instruction, that is, the identification code "CNEX-××××" of the express remittance service is added in front of MUR (message user reference). The first five digits remain the same, and the last three digits "×××" are the branch codes of each receiving bank. If the sending bank enters the wrong identification code, the responsibility for message forwarding delay shall be borne by the sending bank. 4. Bear the risk of remittance funds and the risk of late payment caused by incorrect information of the payee. 5. The fast remittance business shall be settled through the account opened by the Head Office in overseas banks. 6. In order to ensure the normal operation of express remittance business, domestic banks will no longer accept express remittance business in the afternoon one working day before the break. Time difference should be calculated on time according to the above principles. 7. Handle the inquiry of remittance bank in time and reply to remittance bank with MT 199 message. (2) SWIFT Center of the Head Office. 1. Quickly forward the SWIFT message marked "CNEX-×××" in MUR project. 2. Check the remittance funds in the account with the actual transfer. 3. Provide other services and guidance for express remittance business. (3) Remittance bank 1. Receive the payment instruction in time and handle the business immediately. Pay the remittance on the day you receive the message. If the message is received after 3: 00 pm, it must be recorded the next morning. 2. If the remitting bank finds that the payment instruction is wrong or the name does not match the account number, etc. And the payee cannot be specified, the remitting bank should immediately query the remittance bank of MT 199 message through the SWIFT system. Please indicate: (1) remittance bank business number; (2) the reason for the inability to pay. The remitting bank shall immediately confirm to the remitter after receiving the inquiry call, and inform the remitting bank of the confirmation result with MT 199 message. 3. If there is an error in message transmission, the branch that receives MT 100 or MT202 should transmit the message to the correct remittance bank through the head office's WIFT center as soon as possible. Four. Express remittance fee (1) Remittance service is provided by remitting bank to remitting bank with express remittance fee paid by customers, and the rate is proposed by remitting bank and implemented after it is reviewed and approved by the external business department of the Head Office. (two) the payment method of the fast remittance fee shall be agreed by the remitting bank and the collecting bank. V. Others (1) The currencies of these Measures are tentatively US dollars, Japanese yen and Hong Kong dollars, and the accounts opened by the Head Office in new york Branch, Tokyo Branch and Hong Kong Branch are used respectively. (II) The Foreign Business Department of the Head Office is responsible for the revision and interpretation of these Measures.