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  3. Wang wants to transfer his money from China to the US. Could you explain the dif

Wang wants to transfer his money from China to the US. Could you explain the dif

游客2025-06-21  1
问题 Wang wants to transfer his money from China to the US. Could you explain the different money transfer methods provided by banks to him?
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答案 There are three methods of money transfer provided by banks:
    Draft:
    —A draft is an order in writing, made out to a person other than the maker, instructing him to pay a certain sum of money to a named person called the payee. It is also called a "bank draft" or "banker’s cheque".
    —A draft can be sent by mail or handed over directly to the payee by the customer.
    —the process of a draft handling:
    -A request from a customer to a banker to issue a draft to a recipient overseas;
    -The draft drawn by the drawer bank on the drawee bank for the transaction of the draft;
    -The drawer advises the drawee of the issue of the draft and informs the drawee bank to pay the payee when the draft is presented for payment.
    —The features:
    -A draft sent by the customer is the least expensive, but is the slowest form of transmission.
    -The customer bears the risks of theft, destruction or loss in the mail system when the draft is sent by the customer himself.   
    Mail transfer:
    Mail transfer is an instruction given by one hank to another, based on the request of the customer.
    —The way to transfer :
    -a written draft;
    -internal communication system.
    —The banks involved:
    -the remitting bank: the hank which instructs another bank to make payment to the nominated recipient;
    -the advising bank: the bank which receives the instruction from the remitting bank.
    —The process of mail transfer:
    -The request from a customer to the remitting hank to transfer the money;
    -The remitting bank will send a statement to the advising bank and tell it the exact amount being transferred, the name of the payee and his address;
    -The advising bank will inform the nominated recipient and check the recipient’s identity and then release the funds.
    —The features of the mail transfer:
    -It is a little safer.
    -The speed is low.
    -It could also be delayed, destroyed or even stolen.
    -Such delay involves additional interest payment.      
    Telegraphic transfer:
    —It is an authenticated order given by the remitting hank to the advising bank to which it is addressed to make available specified funds to a named recipient.
    —The way to transfer: cable or telex.
    —The process of the telegraphic transfer:
    -The request from a customer to the remitting bank;
    -The remitting bank will send a statement to the advising bank through cable or telex which contains a "test-key";
    -The advising bank receives the transmission and uses the test-key to verify the genuineness of the telex or cable instruction. And then advises the recipient to collect the funds.
    —The features of the telegraphic transfer:
    -It is the most expensive way of money transfer;
    -Fast in speed;
    -One of the reliable forms of money transfer.
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