MT103简介及栏位详解

些汇款资料可随意在非

SWIFT

格式中使用，例如：

EDIFACT

或

ANSI-X12

。

希望使用

MT103

延伸汇款资料的收、发用户事先必须进 行延伸汇款资料使用组

登记。

我行目前接收和使用的是第一种方式核心

MT103

。

三．

< br>MT103

定义

这类报文格式 是由汇款行或受汇款行委托的银行直接或通过代理行发送给另一家银行。用来

发送付款指 示的报文格式。从发报行的角度看，汇款人和收款人中至少一方是非金融机构。

该报文格 式只能用于发送无条件的付款指示。它不能用于向托收行发送光票托收（支票）项

下的付 款通知。

四．

MT103

结构图

MT103 Single Customer Credit Transfer

Status Tag Field Name Content/Options

M 20 Sender

’

s Reference 16x

-------->

O

13C Time indication /8c/4!n1!x4!n

--------|

M 23B Bank Operation Code 4!c

--------->

O 23E Instruction Code 4!c[/30x]

---------|

O 26T Transaction Type Code 3!a

M 32A Value Date/Currency/Interbank Settled

Amount 6!n3!a15d

O 33B Currency/Instructed Amount 3!a15d

O 36 Exchange Rate 12d

M 50a Ordering Customer A or K

O 51A Sending Institution [/1!a][/34x]

4!a2!a2!c[3!c]

O 52a Ordering Institution A or D

O 53a Sender

’

s Correspondent A,B or D

O 54a Receiver

’

s Correspondent A,B or D

O 55a Third Reimbursement Institution A,B or D

O 56a Intermediary Institution A,C or D

O 57a Account With Institution A,B,C or D

Field 50a: Ordering Customer

This field specifies the customer ordering the transaction.

According to the Money Laundering Act, the complete name & address and account

number

(Option K), or other identification data (Option F) of the sender must be entered.

Since

October 29, 2007 the preferred option is F

Format field 50F

With

Option

F,

for

Subfield

1

(Party

Identifier)

Line

format

1

or

Line

Format

2

must

be used:

Line format 1: /34x (Account Number)

or

Line format 2: /4!a,/30x (Code) (Identifier)

With Option F, for Subfield 2 (Name & Address) the following Line Format must

be used for

all lines:

Subfield 2 1!n/33x (Number) (Details)

Codes

With

option

F

for

-Subfield

1-

Line

Format

2

(Code)

(Identifier)

one

of

the

following

codes

must be used:

ARNU Alien Registration Number

CCPT Passport Number

CUST Customer Identification Number

DRLC Driver

’

s License Number

EMPL Employer Number

IBEI International Business Entity Identifier (no country code allowed)

NIDN National Identity Number

SOSE Social Security Number

TXID Tax Identification Number

With

option F -Subfield

2- (Name

& Address)

each

line when present must contain

one of the

following codes:

1 Name of the Ordering Customer

2 Address Line

3 Country and Town

4 Date of Birth

5 Place of Birth

6 Customer Identification Number

7 National Identity

8 Additional Information

Usage rules:

Subfield 1 Line Format 2 (Code) (Identifier)

·

Each code must be followed by a slash

‘

/

’

.

·

Each code (except IBEI) must be followed by the ISO country code, a slash

‘

/

’

and the

corresponding number.

Subfield 2 (Name & Address)

·

Each code must be followed by a slash

‘

/

’

.

·

The codes 3, 5, 6 and 7 must be followed by the ISO country code, a slash

‘

/

’

and the

corresponding number/ details.

·

Each code must appear on a separate line.

·

Codes must appear in increasing numerical order.

·

Codes may be repeated if more than one line is needed to provide the information

indicated by the code (for example two lines for address details).

·

Code 2 must not be used without code 3 and vice versa.

·

Code 4 must not be used without code 5 and vice versa.

·

The use of code 8 is

only

allowed

to continue information

on the

indentification

of the

ordering customer provided under Subfield 1

–

Line Format 2.

Example1:

:50F:/CCPT/RU/123456789

1/WOODY ROADRUNNER

2/RABBIT STREET 1

3/RU/MOSCOW

Example2:

:50F:/CUST/RU/ABC BANK/123456789/8-123456

1/WOODY ROADRUNNER

2/RABBIT STREET 1

3/RU/MOSCOW

8/7890

This means that the customer identification number of Woody Roadrunner assigned by

ABC

Bank is 123456789/8-1234567890.

M 59a Beneficiary Customer A or no letter

option

O 70 Remittance Information 4*35x

M 71A Details of Charges 3!a

---?

O 71F Sender

’

s Charges 3!a15d

----|

O 71G Receiver

’

s Charges 3!a15d

O 72 Sender to Receiver Information 6*35x

O 77B Regulatory Reporting 3*35x

O 77T Envelope Contents 9000z

M=Mandatory O=Optional

五．

MT100

与

MT103

的比较：

变化

MT100 MT103

栏位名称改变

20 Transaction Reference

Number

32A Value date. Currency

Code. Amount

70 Details of Payment 20 Sender

’

s Reference

32A Value date, Currency.

Interbank set

tled

Amount

70 Remittance Information

可选项改变

56a A,D

Intermediary

57a A,B or D

Account With

Institution 56a A,CorD

Intermediary

Institution

57a A,B,C or D

Account with

Institution

栏位标记改变

50 Ordering Customer

59 Beneficiary

Customer 50a 50A or 50K

Ordering Customer

59a 59A or 59

Beneficiary

Customer

费用状况

71A Details of Charges

Optional 71 Details of Charges

Mandatory

新增栏位

13C Time indication

23B Bank Operation

Code

23E Instruction Code

26T Transaction Type

Code

33B Currency/Instructed

Amount

36 Exchange rate

51A Sending Institution

55a Third

Reimbursement

Institution

71F Sender

’

s Charges

71G Receiver

’

s Charges

77B Regulatory

Reporting

77T Envelope Contents

六．< /p>

MT103

的栏位说明

20

：

发报行的参号。

结构：由不超过

16

位的

SWIFT

网络识别字符组成。

必选项。

< /p>

网络监察规则：参号的开头、结尾不能出现斜线“

/

”

，中间不能出现双斜线“

//

”

。

使用规则：此参号应被引用在任何相关的证实报和对帐单中。

13C

：时间指示

格式：

/8c/4!n1!x4!n

（代字）

（时间）

（符号）

（时间偏差 ）

如下代码字可以使用，放在两个单斜线之间：

SNDTIME

：特指时间

TARGET

支付已经借记发送方的央行，以中欧时间为准。

R NCTIME

：特指时间

TARGET

付款已经贷记接受方的央行，以中欧时间为准。

CLSTIM E

：在特指时间内，付款资金已被贷记清算行开在央行的帐号，同时

得到证实，以中欧时间为准。

使用规则：时间偏差表述为：

“

HHMM

”

，小时以“

HH

”表示，在

00

—

13

范围

中间，分钟以“

MM

”表示，在

00

—

59