A bank message is an information file that needs to be transmitted through the People's Bank of China and other systems when a transfer transaction occurs, which conveys information such as the amount, payee and payer, and is collectively called a message. Instant transfer is a message information transmitted through a system that can basically achieve real-time account receipt, such as super online banking. Some pure information types are also called messages, such as query and reply messages. These contents usually follow a certain format specification, that is, a certain format message. The information exchange between banking systems is usually carried out in the form of "request-response". A packet refers to a request message or a response message, also known as a "request packet" or a "response packet".

Commonly used statements in bank messages:

I. Transfer

1, letter of credit transfer exemption;

2. Change the timely fill-in terms:

(1) Change the expense undertaker and increase "all bank charges under the above-mentioned letter of credit and/or this transferred letter of credit, except the fees payable by the above-mentioned first beneficiary to the above-mentioned letter of credit issuing bank, shall be borne by the transferee.

② The payment clause is changed to "The payment under this transfer letter of credit is only valid after receiving the payment from the issuing bank of this letter of credit".

③ Other technical changes.

Second, negotiation.

1. Description of common differences:

(1) delayed delivery

(2) The letter of credit has expired

(3) Late submission of reports

(4) Clause D Bill of Lading

(5) partial shipment

(6) short outfit

(7) Credit line

Step 2 urge payment

Step 3 urge acceptance

Step 4 urge short payment

5. Urge to postpone the payment of interest

Third, foreign exchange demand.

1. Call the third house.

Send it to the issuing bank separately, and send a letter to the reimbursing bank stipulated in the letter of credit for remittance (telegrams are not allowed) and request to be credited to the bank account designated by our bank. The commonly used sentence is the same as "payment against documents"

2. The contents of telegram format (message format) are as follows:

①BP number (BP date)

② remittance currency and amount (bill amount plus/minus bank charges)

③ The name and address of the reimbursing bank.

④ Name and address of the issuing bank

⑤ Letter of CreditNo. (date of issuance)

⑥ Name of beneficiary (draft requiring the drawee to be the reimbursing bank in the letter of credit)

⑦ Special note: Entrust other banks to handle the business of replacing postal services by electricity, which shall be handled according to the requirements of the agreement between the two parties.