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Services & Products

1.   New York Night Shift  and Beijing Headquarter Clearing Service

Bank of China New York Branch is the only bank in the United States that provides 24 hours online clearing service. Night Shift Service offers customers with bilingual (Chinese and English) inquiry service, takes care of payments which have special requirements and handles all kinds of remittances on a real time basis, such as special requirement remittance, China Domestic Remittance, Asia Remittance, Taiwan Remittance and Priority Remittance.

US Dollar Service Team in Beijing, China provides such services as Payment Transaction Inquiry, Investigation Case Inquiry and Correspondent Bank Information Inquiry. These services are convenient, secure, up-to-date and best of all, free of charge, thus streamlining the operations of domestic and overseas branches.

Night Shift Business Hours:  

Beijing Time Monday to Friday    10:00 AM--6:00 PM

Customer Service Manager:        001-646-231-3156

Customer Service Representative: 001-646-231-3182

Fax: 001-212-593-4526

Beijing U.S. Dollar Service Team:

Manager: Ms. Yanmei Che

Manager: Ms. Lijun Chen

Toll free number: 800-810-1206

Fax: 010-8297-4100

2.   Full-Pay Service

Full-Pay Service ensures that a customer's remittance is received in full amount by the beneficiary. It has three characteristics:

1) With the code “/FULLPAY/” or “/FULLPAY/SHA” under instruction, no fees are deducted from the remittance proceeds, except a nominal fee from the remitting bank's account.

2) If the BBK has an account with Bank of China New York, the fee is the same as those non-Full-Pay transactions.

3) The service covers all the countries and regions outside the United States.

3.   Inquiry through Internet

Bank of China New York Branch provides financial institution customers with the GWS (Former GPIS), an online inquiry system to allow them to check real-time processing status of transactions. After the upgrade of GWS in 2011, all functions have been further improved. The Clearing system of Bank of China New York – GPS is synchronized with the CHIPS and FEDWIRE clearing systems and operates 21.5 hours each working day. By using GWS, customers are able to check balance and transaction status to better manage their funds.

4.   Asia Remittance

All Qualified messages of remittance to the countries and regions in Asia are processed automatically and instantly by our system. If an SWIFT instruction is not qualified or our bank is instructed to select an intermediary bank, our day time and night shift staffs will process it in a timely manner to ensure that the funds will be received by the beneficiary's bank on a real time basis.

5.   Taiwan Remittance

Through the cooperation of correspondent banks, Bank of China New York channels mainland Chinese customers' remittance to Taiwan if the remitting banks use the code “/TAIW/”. The whole process is automated with the guarantee of receipt of funds on the same value day Beijing time. The fee charge of this service is very competitive.

6.   Wire Express

Bank of China New York is the first bank to provide this service. When a remitting bank sends a payment order under Wire Express instruction, Bank of China New York can inform the beneficiary for any incoming funds via the beneficiary's email or text message to a Chinese mobile number. This service is automatic and free of charge.

7.   Payment with Priority

Bank of China New York will automatically place the payment ahead of any of the following three queues - CHIPS, FEDWIRE and internal book transfer if the code “/PRIO/” is used. The payment will be released in priority.

8.   Payment at Request

The payment can be temporarily held off until further instructions with the Code “/HOLD/”.

9.   RMB Remittance

Bank of China New York Branch is the only bank providing RMB Remittance service in the U.S. with Chinese government's authorization.RMB Remittance enables the remitter to know exactly how much RMB the beneficiary will receive at the time the payment is issued, which eliminates foreign exchange risk and the uncertainty about the RMB amount to be received. For the sending bank that uses RMB remittance service from Bank of China New York, it can calculate to-be-sent USD amount based on to-be-received RMB amount.

10. CNY Payment

For customers who hold CNY currency account with Bank of China New York, they can remit funds in RMB.

11. Intermediary Selection Service

When a remitting bank has difficulty deciding which intermediary bank to use, Bank of China New York can offer its help. We have accumulated extensive experience over years of service in selecting intermediary banks for remitting banks from China. In addition, our clearing system is capable of sorting out the correspondent banks for a receiving bank through its online connections to CHIPS and FEDWIRE database. The timeliness of this service is warranted by the Night Shift Service introduced earlier.

12. Customized Service Charges

Bank of China New York branch has a flexible fee structure and can provide customized fee schedules according to customer needs.

1)  Differentiate the fees on outgoing and incoming payments

2)  Differentiate the fees on MT103 and MT202( Payment under Trade)

3)  Set the fees according to payment amount

4)  Others

13. SWIFT Message Analysis

Bank of China New York can analyze the payment instructions received from sending institutions periodically and prepare the analysis report. The analysis report includes the reason why the payment instruction cannot be process automatically or were returned. The goal of the report is to improve the accuracy of the payment instructions received from the sending institution to allow timely and effective transfer.

Service and Feedback

Should you have any questions about the above products and services or any concerns or suggestions to the Clearing Department of our bank, please contact the Clearing Department via CLRSERVICE@BOCUSA.COM.

 

美元清算产品和服

1.   纽约夜间清算服务和北京总行清算服务(NY night shift and Beijing headquarter clearing service

纽约中行是在美国唯一的一家为客户提供24小时清算在线服务的银行,设在纽约的夜间清算服务小组为客户提供中英文电话查询服务,及时处理大额及各类有特殊要求的收付款,为客户通过纽约中行中转的的中国境内外汇款、亚洲地区汇款(包括台湾汇款)、优先序列付款和延后付款要求等提供实时处理和监控。

北京美元清算延伸服务小组设在北京中国银行总行,服务内容涉及开户行在纽约中行的账户信息查询、汇款状态查询、查询案卷的查阅等多项内容,体现了中行海内外、总分行清算服务的整体优势。

联系方式:

纽约夜间清算服务:

夜班服务时间:北京时间周一至周五  上午10:00至下午6:00

客服经理:001-646-231-3156       

客服代表:001-646-231-3182

传真:001-212-593-4526

北京美元清算延伸服务:车燕梅 经理        陈丽均 经理

免费服务电话:800-810-1206   

传真:010-8297-4100

2.   额到账服务 (Full-Pay Service

全额到账服务确保汇款人汇出的本金能够足额到达收款人,汇款行可以要求纽约中行费用内扣或费用外扣。此服务的特点是:

1)  汇款行在发送SWIFT MT103时,需要按照要求在报文中注明业务标识符/FULLPAY/(费用外扣)或/FULLPAY/SHA(费用内扣);

2)  收费合理,当收款行在纽约中行开有账户时,纽约中行只收取与普通汇款相同的转汇费;

3)  全额全额到账服务涵盖除美国之外的所有国家和地区,也没有汇款的金额限制。

3.   网上实时查询服务(Inquiry through Internet

通过互联网远程登录纽约中行远程查询系统GWS(原GPIS),可以实时了解本行在纽约中行账户的实时状态,查询与本行有关汇款的实时状态。GWS系统在2011年升级后,功能得到进一步完善。纽约中行清算系统GPS与美国两大美元清算系统CHIPSFEDWIRE同步运行,每天运行时间为21.5小时,使用远程查询系统可以随时掌握本行账户、汇款的清算状态,更好地进行资金、头寸管理。开户行可以通过清算部客服邮箱联系申请、更新操作用户等事宜。

4.   洲实时汇款(Asia Remittance

客户汇往亚洲国家、地区的所有合格报文,纽约中行清算系统会及时自动处理,遇不合格报文,夜班人员会在亚洲工作时间及时处理,确保亚洲地区收款的及时性。

5.   湾优惠汇款 (Taiwan Remittance

纽约中行通过与代理行合作,确保收款行在中国台湾地区的汇款在北京时间当天到账,纽约中行执行优惠费率。

6.   汇款快信通知服务 (Wire Express

纽约中行首创的汇款快信通知服务,是指汇款行按照要求,在汇款报文中录入收款人国内手机号码和电子邮件地址的汇款通知服务。在汇款处理完毕后,纽约中行系统会自动根据委托,同时或选择向收款人发送手机短信、电子邮件,通知收款人及时收款。此项服务免收费用。

7.   优先序列付款服务 (Payment with Priority

汇款行可以按要求在报文中录入业务标识符/PRIO/,纽约中行会将该笔付款自动排序到CHIPSFEDWIRE或内部转账付款队列的最前面,优先执行。这项服务可以满足因各种原因需要优先支付汇款的需求

8.   延后付款服务(Payment at Request

汇款行可以按要求在报文中录入业务标识符/HOLD/,纽约中行会暂不处理已经收到的汇款报文,待汇款行做出进一步指示后,再进行相应的操作。

9.   人民币汇款服务(CNY Payment

纽约中行为开有人民币账户的客户,提供人民币币种的汇款服务。

10. 人民币预结汇代理汇款(RMB Remittance

纽约中行目前在美国独家推出这一产品。此产品可以保证收款人收到预期的人民币金额,使收付款人规避汇率的变动风险,免除人民币收款金额不确定的影响。与纽约中行签订服务协议的汇款行,可根据收款人应收的人民币数额,计算并告知汇款人需要汇出的美元金额。  

11. 为选择中转行服务(Intermediary Selection Service

汇款行可以委托纽约中行代为选择中转行,纽约中行在常年选择中转行的过程中,积累了丰富的经验,系统可以通过与CHIPSFEDWIRE数据库联机查询,实时检索收款行的账户行,自动进行中转行的选择,此项服务没有额外收费。

12. 客户化收費功能(Customized Service Charges

纽约中行系统具备灵活的收费功能,能够根据客户的要求提供以下收费解决方案:

1)   收款和付款区别收费

2)   区別客户汇款和银行调拨贸易项下收费

3)   按照不同汇款金额设定价格标准

4)   其他

13. SWIFT报文分析服务(SWITF Message Analysis

纽约中行可定期对开户行在一段时期内所发送的汇款报文进行分析,提供报文分析报告,指出报文不能被自动处理或被退回的原因,尽可能帮助开户行提高发报的准确率,保证汇款及时有效的进行清算。

服务和反馈(Service and Feedback

如需了解以上清算产品和服务的具体操作指引,对这些清算产品和服务有任何疑问,以及对纽约中行清算业务有任何意见或建议,欢迎通过清算部客服邮CLRSERVICE@BOCUSA.COM联系纽约中行清算部。

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