1、 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 摘要摘要纽约梅隆银行发展历程纽约梅隆银行发展历程美元清算系统美元清算系统纽约梅隆银行美元清算服务纽约梅隆银行美元清算服务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49,00
2、0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
3、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
4、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)MT103
5、MT202CHIPS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Prim
6、arily 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 R
7、eserve 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 成员行可以是在线或离线的成员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 valu
8、e commercial transactions 大额的商业汇款Fed Routing Number/ABA Number (American Bankers Association) 9 digitsThe Bank of New York Mellon, New York ABA Number : FW021000018 10Fedwire OverviewOperating Hours 运行时间Implemented on May 17, 2004 to extend the day with business hours. The purpose was to allow overl
9、ap 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
10、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$15,000,000FedwireFedwire 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 avai
11、lable 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 direc
12、t 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: CH27963195% of International USD Transfer 全球95%的美元跨国支付由该系统完成 Real-time
13、, 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 14CHIPS OverviewOperating Hours 运行时间Implemented
14、 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、 15CHIPS 成员行成员行16CHIPS 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
16、payments.Banks fund their respective negative closing positions(* 5:15 pm) CHIPS releases remaining paymentsIntradayBanks maintain positive balancesCredit limit: Banks position can not exceed 2X pre-funded balanceParticipants may: - Prioritize payment - Delete unresolved paymentsPre-fundingBalances
17、to fund the days paymentsAmount is : -Far less than actual payments - Calculated weekly - Based on prior six weeks2(*9 pm 5 pm)Banks send and receive paymentsNetting processIndividualBilateralMulti- lateral1(*9 pm) CHIPSAccount at the Fed opens forPre-fundingCHIPS opens for processing payments(Bank
18、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 ZoneCHIPS 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$600,000AV
19、AILABLE BALANCE:$2.5 MILLIONAVAILABLE BALANCE:$1.3 MILLION$500,000$100,000AVAILABLE BALANCE:$1.2 MILLIONAVAILABLE BALANCE:$2.6 MILLIONCHIPS 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
20、MILLION$3 MILLION$25 MILLION1:500$0.5 MM$3.1 MM$4.5 MM$26 MILLIONCHIPS 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
21、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 Fed
22、wire 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 20ACH Automated Clearing HouseElectronic 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)
23、 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2122The Internet now gives you access to CHIPS, Fedwire, and S.W.I.F.T.DirectoriesCHIPS : To find CHIPS UIDs and/or to identify bene banks nostro agents, go to http:/www.chips.org/uid/uid_form.php
24、This site allows you to search by bank name, city, country or S.W.I.F.T. BICFEDWIRE : To find a Fedwire ABA Routing Transit number, go to :http:/www.fedwiredirectory.frb.org/search.cfmThis site facilitates searching by name, state and cityS.W.I.F.T. : To find S.W.I.F.T. BICs, go to http:/ Websites纽约
25、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
26、$985BEN (USD)$1000OUR$1,000$975$990(USD)$1,000Assumptions:Debit Ben-Deduct $15Credit Ben-Deduct $10BNY 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 CLSNetwork of 2,000 correspondent banks
27、 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
28、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 STA
29、TESCANADAMEXICOARGENTINACHILEBRAZILBRAZILBERMUDACAYMAN ISLANDSBAHAMASIRELANDUNITED KINGDOMLUXEMBOURGEGYPTSOUTHAFRICASPAINITALYFRANCEGERMANYRUSSIABELGIUMNETHERLANDSSWITZERLANDLEBANONTURKEYUNITEDARABEMIRATESINDIACHINAJAPANHONG KONGSINGAPOREMALAYSIAPHILIPPINESSOUTH KOREATAIWANINDONESIATHAILANDAUSTRALIA
30、EMEA: 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 Se
31、rvices, 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-De
32、aler 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.
33、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 affiliates27 Reduce Your Funds Transfer Cost 减轻贵行汇款的成本
34、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
35、 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
36、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 transfer
37、s, 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 DeductThe incoming p
38、ayment 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 tra
39、nsfersMT202 - L/C and Export collection transactionsOnly those transactions bearing certain reference number in field 21, orALL 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 /FULL
40、PAY/ is The Bank of New York Mellon codeword used only in your MT103swhen 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32T
41、he 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
42、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33Time-sensitive pay
43、ments 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34The Bank mainta
44、ins a computer file of Beneficiary Bank S.W.I.F.T. addresses and CHIPS UIDs, 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
45、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 identi
46、fied 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:MT103sMT202s 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
47、服务37Sample MT10320: ABC12350: Originator56:57: Beneficiary Banks 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5638We begin processing your MT103s at about 21:30 NYC time after completion of batch running for the day, and send our MT103 to Beneficiary Ban
48、k 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39T
49、o 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 inc
50、lude 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40For retu
