SWIFT_MT103_付款报文格式

SWIFT_MT103_付款报文格式MT103MT103-ClearingLineFormatSpecificationsMT103CustomerTransferM=MandatoryO=OptionalStatusTagFieldNameContent/OptionsM20Sender'sReference16digitsM23BBankOperationCodeCREDO23EInstructionCode4digitsM32AValueDateCurrencyInterbankSettledAmount6numeric3alphabetical15digitsO33BCurrency/InstructedAmount3alphabetical15digitsO36ExchangeRate12digitsM50aOrderingCustomer:AccountnumberCode/Identifier(OptionF)Name&AddressOptionFispreferredOptionOptionA[/34x](Account)4!a2!a2!c[3!c](BIC/BEI)OptionK[/34x](Account)4*35x(Name&Address)OptionF35x(PartyIdentifier)4*35x(Name&Address)O52AOrderingInstitutionAorDM53BSender'sCorrespondent/D/10digitsyouraccountnumberO56AIntermediaryInstitutionAorCC=forGermanyonlyO57AAccountWithInstitutionA,B,CorDC=forGermanyonlyStatusTagFieldNameContent/OptionsM59ABeneficiaryCustomer:AccountnumberNameandAdress/34digits4lines35digitseachO70RemittanceInformation4lines35digitseachM71ADetailsofChargesOURSHABENO71FSender'sChargesExample:71FEUR8,00O71GReceiver'sChargesExample:71GEUR5,50O72SendertoReceiverInformationExample:Line1:/ACC/Branch2Lines2-6://............slashesaresetbythesystem1.Field20:YourReferenceThisfieldspecifiesthereferenceassignedbyyoutoclearlyidentifythemessage.Thisfieldmustnotstartorendwithaslash'/'andmustnotcontaintwoconsecutiveslashes'//'Thisreferencewillbequotedinanyrelatedconfirmationorstatement,e.g.MT910and/or940,942,950.2.Field23B:BankOperationCodeThisfieldidentifiesthetypeofoperation.Code:CRED–StandardMessage3.Field23E:InstructionCodeThisfieldspecifiesaninstruction.Codes:Instructionsmustcontainoneofthefollowingcodes:SDVAPaymentmustbeexecutedtothebeneficiarywithsamedayvalue.INTCThepaymentisanintra-companypayment,i.e.,apaymentbetweentwocompaniesbelongingtothesamegroup.REPAPaymenthasarelatede-Paymentsreference.CORTPaymentismadeinsettlementofatrade,e.g.,foreignexchangedeal,securitiestransaction.HOLDBeneficiarycustomer/claimantwillcall;payuponidentification.CHQBPaybeneficiarycustomeronlybycheque.Theoptionalaccountnumberlineinfield59mustnotbeused.PHOBPleaseadvise/contactbeneficiary/claimantbyphone.TELBPleaseadvise/contactbeneficiary/claimantbythemostefficientmeansoftelecommunication.PHONPleaseadviseaccountwithinstitutionbyphone.TELEPleaseadviseaccountwithinstitutionbythemostefficientmeansoftelecommunication.PHOIPleaseadvisetheintermediaryinstitutionbyphone.TELIPleaseadvisetheintermediaryinstitutionbythemostefficientmeansoftelecommunication.4.Field32A:ValueDate,CurrencyCode,AmountThisfieldspecifiesthevaluedate,currencyandamounttobetransferred.5.Field33B:Currency/InstructedAmount(Ifaconversionwasmadeonyourside)Thisamountisprovidedforinformationpurposesandwillbetransportedunchangedthroughthetransactionchain.6.Field36:ExchangeRateThisfieldspecifiestheexchangerateusedtoconverttheinstructedamountspecifiedinfield33B.ThisfieldmustbepresentwhenacurrencyconversionhasbeenperformedontheSender'sside.7.Field50a:OrderingCustomerThisfieldspecifiesthecustomerorderingthetransaction.AccordingtotheMoneyLaunderingAct,thecompletename&addressandaccountnumber(OptionK),orotheridentificationdata(OptionF)ofthesendermustbeentered.SinceOctober29,2007thepreferredoptionisFFormatfield50F:InoptionFthefollowinglineformatsmustbeused:Line1(subfieldParty/34x(AccountNumber)Identifier)Lines2-5(subfield1!n/33x(Number)(Details)Name&Address)OrLine1(subfieldParty4!a/2!a/27x(Code)(CountryCode)(Identifier)Identifier)Lines2-5(subfield1!n/33x(Number)(Details)Name&Address)Codes:InoptionF,whensubfield1PartyIdentifierisusedwiththe(Code)(CountryCode)(Identifier)format,oneofthefollowingcodesmustbeused:ARNUAlienRegistrationNumberThecodefollowedbyaslash,'/'mustbefollowedbytheISOcountrycode,aslash,'/'andtheAlienRegistrationNumberCCPTPassportNumberThecodefollowedbyaslash,'/'mustbefollowedbytheISOcountrycode,aslash,'/'andthePassportNumber.CUSTCustomerIdentificationNumberThecodefollowedbyaslash,'/'mustbefollowedbytheISOcountrycodeoftheissuerofthenumber,aslash,'/',theissuerofthenumber,aslash,'/'andtheCustomerIdentificationNumber.DRLCDriver'sLicenseNumberThecodefollowedbyaslash,'/'mustbefollowedbytheISOcountrycodeoftheissuingauthority,aslash,'/',theissuingauthority,aslash,'/'andtheDriver'sLicenseNumber.EMPLEmployerNumberThecodefollowedbyaslash,'/'mustbefollowedbytheISOcountrycodeoftheregistrationauthority,aslash,'/',theregistrationauthority,aslash,'/'andtheEmployerNumber.NIDNNationalIdentityNumberThecodefollowedbyaslash,'/'mustbefollowedbytheISOcountrycode,aslash,'/'andtheNationalIdentityNumber.SOSESocialSecurityNumberThecodefollowedbyaslash,'/'mustbefollowedbytheISOcountrycode,aslash,'/'andtheSocialSecurityNumber.TXIDTaxIdentificationNumberThecodefollowedbyaslash,'/'mustbefollowedbytheISOcountrycode,aslash,'/'andtheTaxIdentificationNumber.InoptionF,eachlineofsubfield2Name&Addresswhenpresentmuststartwithoneofthefollowingnumbers:1NameoftheorderingcustomerThenumberfollowedbyaslash,'/'mustbefollowedbythenameoftheorderingcustomer(whereitisrecommendedthatthesurnameprecedesgivenname(s)).2AddressLineThenumberfollowedbyaslash,'/'mustbefollowedbyanAddressLine(AddressLinecanbeusedtoprovideforexample,streetnameandnumber,orbuildingname).3CountryandTownThenumberfollowedbyaslash,'/'mustbefollowedbytheISOcountrycode,aslash'/'andTown(Towncanbecomplementedbypostalcode(forexamplezip),countrysubdivision(forexamplestate,province,orcounty).4DateofBirthThenumberfollowedbyaslash,'/'mustbefollowedbytheDateofBirthintheYYYYMMDDformat.5PlaceofBirthThenumberfollowedbyaslash,'/'mustbefollowedbytheISOcountrycode,aslash'/'andthePlaceofBirth.6CustomerIdentificationNumberThenumberfollowedbyaslash,'/'mustbefollowedbytheISOcountrycodeoftheissuerofthenumber,aslash,'/',theissuerofthenumber,aslash,'/'andtheCustomerIdentificationNumber.7NationalIdentityNumberThenumberfollowedbyaslash,'/'mustbefollowedbytheISOcountrycode,aslash,'/'andtheNationalIdentityNumber.8AdditionalInformationThenumberfollowedbyaslash,'/'isfollowedbyinformationcompletingoneofthefollowing:theIdentifierprovidedinsubfield1(PartyIdentifier)usedwiththe(Code)(CountryCode)(Identifier)format.theCustomerIdentificationNumberprovidedinsubfield2(Name&Address)withnumber6.theNationalIdentityNumberprovidedinsubfield2(Name&Address)withnumber7.NETWORKVALIDATEDRULESIdentifierCodemustbearegisteredBICorBEI.InoptionF,subfield1(PartyIdentifier)usedwiththe(Code)(CountryCode)(Identifier)format:CountryCodemustbeavalidISOcountrycode.InoptionF,subfield2(Name&Address):•Thefirstlinemuststartwithnumber1.•Numbersmustappearinnumericalorder.•Number2mustnotbeusedwithoutnumber3.•Number4mustnotbeusedwithoutnumber5andviceversa.•Number4mustbefollowedbyavaliddateintheformatYYYYMMDDandthisdate,localtothesender,mustnotbelaterthanthedateonwhichthemessageissuccessfullysenttoSWIFT.•Numbers3,5,6and7mustbefollowedbyavalidISOcountrycode,aslash'/'andadditionalDetails.•Numbers3,4,5,6,7and8mustnotberepeated.•Theuseofnumber8isonlyallowedinthefollowinginstances:otocontinueinformationontheIdentifieroftheorderingcustomerprovidedinsubfield1(PartyIdentifier)usedwiththe(Code)(CountryCode)(Identifier)format.otocontinueinformationontheCustomerIdentificationNumberprovidedinsubfield2(Name&Address)followingnumber6.otocontinueinformationontheNationalIdentityNumberprovidedinsubfield2(Name&Address)followingnumber7.USAGERULESIftheaccountnumberoftheorderingcustomerispresent,itmustbestatedinAccount.InoptionF,subfield2(Name&Address):Numbers1and2mayberepeated.InoptionF,subfield1(PartyIdentifier)usedwiththe(Code)(CountryCode)(Identifier)format:ifadditionalspaceisrequiredforprovidingtheIdentifieroftheorderingcustomer,oneofthefollowingoptionsmustbeused:1.Firstoption(preferred):Identifytheorderingcustomerwithadifferentidentifierwherethelengthisnotanissue.2.Secondoption:Continuetheinformationinsubfield2(Name&Address)usingnumber8.InoptionF,subfield2(Name&Address):ifadditionalspaceisrequiredforprovidingtheCustomerIdentificationNumber(number6)ortheNationalIdentityNumber(number7)oftheorderingcustomer,oneofthefollowingoptionsmustbeused:1.Firstoption(preferred):Identifytheorderingcustomerwithadifferentidentifierwherethelengthisnotanissue.2.Secondoption:Continuetheinformationinsubfield2(Name&Address)usingnumber8.ExamplesOptionF-Example1:50F:/123456781/SMITHJOHN2/299,PARKAVENUE3/US/NEWYORK,NY10017OptionF-Example2:50F:/BE300012163714111/PHILIPSMARK4/197208305/BE/BRUSSELSOptionF-Example3:50F:DRLC/BE/BRUSSELS/NB09490421/DUPONTJACQUES2/HIGHSTREET6,APT6C3/BE/BRUSSELSOptionF-Example4:50F:NIDN/DE/1212312343421/MANNGEORG6/DE/ABCBANK/1234578293OptionF-Example5:50F:CUST/DE/ABCBANK/123456789/8-1234561/MANNGEORG2/LOWSTREET73/DE/FRANKFURT8/7890ThismeansthatthecustomeridentificationnumberofMannGeorgassignedbyABCBankis123456789/8-1234567890.References:SWIFTStandards8.Field52a:OrderingInstitutionThisfieldspecifiestheorderinginstitutionifotherthanyourBank.TheBICmustbeaSWIFTregisteredaddress.OptionAisthepreferredoption.OptionDshouldonlybeusediftheorderingfinancialinstitutionhasnoBIC.9.Field53B:Sender'sCorrespondentThisfieldspecifiestheaccounttowhichthepaymenthastobedebited.10.Field56a:IntermediaryInstitutionThisfieldidentifiesthecorrespondentbankoftheaccountwithinstitutionifotherthanVTBBank.TheBICmustbeaSWIFTregisteredaddress.OptionAmustbeusedwheneverpossible.OptionCPartyIdentifiermaybeusedtoindicateanationalclearingsystemcode,Important:OptionCwithclearingcodeotherthanDEwillbeforwardedwithoutChecking11.Field57a:AccountwithInstitutionThisfieldidentifiesthefinancialinstitution,ifotherthanVTBBank,whichwillpayorcreditthebeneficiaryinstitution.TheBICmustbeaSWIFTregisteredaddress.OptionAmustbeusedwheneverpossible.OptionDmustonlybeusedinexceptionalcircumstances,e.g.,ifthepartycannotbeidentifiedbyaBIC.OptionCPartyIdentifiermaybeusedtoindicateanationalclearingsystemcode.OptionCwithclearingcodeotherthanDEwillbeforwardedwithoutchecking.12.Field59a:BeneficiaryCustomerThisfieldspecifiesthecustomerwhowillbepaid.Atleasttheaccountnumber,name,fulladdressortheBEI(BusinessEntityIdentifier)ofthebeneficiarycustomerismandatory.13.Field70:RemittanceInformationThisfieldspecifieseitherthedetailsoftheindividualtransactionorareferencetoanothermessagecontainingthedetailswhicharetobetransmittedtothebeneficiarycustomer.Theinformationspecifiedinthisfieldisintendedonlyforthebeneficiarycustomer.Wedonotreaditscontent.14.Field71A:DetailsofChargesThisfieldspecifieswhichpartywillbearthechargesforthetransaction.Oneofthefollowingcodesmustbeused:BEN/SHAAlltransactionchargesaretobebornebythebeneficiarycustomer.SHAorOURand/SPLIT/InField72causeschargeswillbedebitedtoyouraccount,alltheothertothebeneficiary‘saccount.OURAlltransactionchargesaretobebornebytheorderingcustomer.15.Field71F:Sender'sChargesThisrepetitivefieldspecifiesthecurrencyandamountofthetransactionchargesdeductedbyyouandbypreviousbanksinthetransactionchain.Thesefieldsareconveyedfortransparencyreasons.ThenetamountafterdeductionoftheSender'schargeswillbequotedastheinter-banksettledamountinfield32A.16.Field72:SendertoReceiverInformationThisfieldspecifiesadditionalinformationfortheReceiverofthepaymentorderoranotherpartyidentifiedinthefield.Codes:Pleasebeinformedthattheusageofthiscodes(except‘INS’)willcauseThirdBank/REPAIRCharges.ACCInstructionsfollowingarefortheaccountwithinstitution.INSTheinstitutionwhichinstructedtheSendertoexecutethetransaction.INTInstructionsfollowingarefortheintermediaryinstitution.RECInstructionsfollowingarefortheReceiverofthemessage.Field72mustinnocasebeusedforinformationforwhichanotherfieldisintended.Codesmustbeplacedbetweenslashesandatthebeginningofaline.Additionalexplanatoryinformation,whichmaybecontinuedinthenextlines,isprecededbyadoubleslash'//'.16A.Field72:SpecialOWHBDEFFCode/SPLIT/+Field71A=SHAorOUR=Chargesoforderingcustomerinstitutiontobepaidbyorderingcustomer,allotherchargestobepaidbybeneficiary.NoREPAIRChargeswillapply.