MT103简介及栏位详解

MT103简介及栏位详解 MT103 (单笔客户汇款) 简介及栏位细解

一．业务背景

涵盖了所有MT100的内容，并使其更加结构化；为支持会员银行为自己的客户提供更好的服务，提供和谐一致明了的需求栏位；为欧元的实施提供必要栏位（2种货币）；响应FATF（监察通过银行洗钱的组织）的要求，建立必要的栏位；支持SWIFT服务承诺协议；准许延伸汇款资料的使用。

二．MT103报文根据报文使用业务状况以三种不同的方式被交换。

1． 核心MT103是通用报文，收发此类电文无须进行用户使用组别登记。除了77T（信函内容）栏位，用户可以使用MT103报文中所有其它栏位。

2． MT103+是通用报文，收发此类电文无须进行用户使用组别登记,但收发双方有协议。用户应使用MT103栏位和格式限制，在报文中使用规定代码使报文自动化处理。（MT103+使用时，规定在报头{3：{119：XXX}}中必须标明代码字STP）MT103+是核心MT103的兼容子集并且独立于MT103，SWIFT对它的网络监查更加严格。

3． MT103延伸汇款资料使用组准许它的签署者使用包含大量延伸汇款资料的77T栏位。这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．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/1234567890987654321 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

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