标题：托收统一规则
简介
国际商会为统一托收业务的做法，减少托收业务各有关当事人可能产生的矛盾和纠纷，曾于1958年草拟《商业单据托收统一规则》。(The Uniform Rules for Collection, ICC Publication No.322)；1995年再次修订，称为《托收统一规则》国际商会第522号出版物（简称《URC522》)，1996年1月1日实施。《托收统一规则》自公布实施以来，被各国银行所采用，已成为托收业务的国际惯例。
需要注意的是，该规则本身不是法律，因而对一般当事人没有约束力。只有在有关当事人事先约定的条件下，才受该惯例的约束。
《托收统一规则》（URC522）共7部分，共26条包括总则及定义、托收的形式和结构，提示方式，义务与责任，付款，利息、手续费及其它费用，其它规定。根据《托收统一规则》规定托收意指银行根据所收的指示，处理金融单据或商业单据，目的在于取得付款和/或承兑，凭付款和/或承兑交单，或按其他条款及条件交单。上述定义中所涉及的金融单据是指汇票、本票、支票或其他用于付款或款项的类似凭证；商业单据是指发票、运输单据、物权单据或其他类似单据，或除金融单据之外的任何其他单据。
中英文文本
(ICC Uniform Rules for Collections ICC Publication No. 522 )
ICC Uniform Rules for Collections
ICC Publication No. 522
1995 Revision in force as of January 1, 1996
CONTENT
A. General Provisions and Definitions
Application of URC 522
Definition of Collection
Parties to a Collection
B. Form and Structure of Collections
C. Form of Presentation
Presentation
Sight/Acceptance
Release of Commercial Documents
Documents Against Acceptance (D/A) vs Documents Against Payment (D/P)
Creation of Documents
D. Liabilities and Responsibilities
Good Faith and Reasonable Care
Documents vs. Goods/Services/Performances
Disclaimer for Acts of an Instructed Party
Disclaimer on Documents Received
Disclaimer on Effectiveness of Documents
Disclaimer on Delays, Loss in Transit and Translation
Force Majeure
E. Payment
Payment Without Delay
Payment in Local Currency
Payment in Foreign Currency
Partial Payment
F. Interest, Charges and Expenses
Interest
Charges and Expenses
G. Other Provisions
Acceptance
Promissory Notes and other Instructions
Protest
Case-of-Need
Advices
A. General Provisions and Definitions总则和定义Article 1Application of URC 522第一款：《托收统一规则》第522号的应用。
a. The Uniform Rules for Collections, 1995 Revision, ICC Publication No.522, shall apply to all collections as defined in Article 2 where such rules are incorporated into the text of the “collection instruction” referred to in Article 4 and are binding on all parties thereto unless otherwise expressly agreed or contrary to the provisions of a national, state or local law and/or regulation which cannot be departed from.
国际商会第522号出版物《托收统一规则》1995年修订本将适用于第二款所限定的、并在第四款托收指示中列明适用该项规则的所有托收项目。除非另有明确的约定，或与某一国家、某一政府，或与当地法律和尚在生效的条例有所抵触，本规则对所有的关系人均具有约束力。
b. Banks shall have no obligation to handle either a collection or any collection instruction or subsequent related instructions.
银行没有义务必须办理某一托收或任何托收指示或以后的相关指示。
c. If a bank elects, for any reason, not to handle a collection or any related instructions received by it, it must advise the party from whom it received the collection or the instructions by telecommunication or, if that is not possible, by other expeditious means, without delay.
如果银行无论出于何种理由选择了不办理它所收到的托收或任何相关的托收指示，它必须毫不延误地采用电讯，或者如果电讯不可能时采用其它快捷的工具向他收到该项指示的当事人发出通知。Article 2Definition of Collection第二款 托收的定义
For the purposes of these Articles: 就本条款而言：
a.”Collection” means the handling by banks of documents as defined in sub-Article 2 (b), in accordance received, in order to: 托收是指银行依据所收到的指示处理下述（2）款所限定的单据，以便于：
I. obtain payment and/or acceptance, or取得付款和/或承兑；或
II. deliver documents against payment and/or against acceptance, or凭以付款或承兑交单；或
III. deliver documents on other terms and conditions. 按照其他条款和条件交单。
b.”Documents”means financial documents and/or commercial documents: 单据是指金融单据和/或商业单据。
I. “Financial documents”means bills of exchange, promissory notes, cheques, or other similar instruments used for obtaining the payment of money;
金融单据是指汇票、本票、支票或其他类似的可用于取得款项支付的凭证；
II. “Commercial documents” means invoice, transport documents, documents of title or other similar documents, or any other documents whatsoever, not being financial documents.
商业单据是指发票、运输单据、所有权文件或其他类似的文件，或者不属于金融单据的任何其他单据。
c.”Clean collection” means collection of financial documents not accompanied by commercial documents.
d.”Documentary collection”means collection of:
光票托收是指不附有商业单据的金融单据项下的托收。
I. financial documents accompanied by commercial documents;
附有商业单据的金融单据项下的托收；
II. Commercial documents not accompanied by financial documents.
不附有金融单据的商业单据项下的托收。Article 3第三款 托收的关系人
a. For the purposes of these Articles the “parties thereto” are: 就本条款而言，托收的关系人有：
I. the “principal” who is the party entrusting the handling of a collection to a bank;
委托人即委托银行办理托收的有关人；
II. the “remitting bank” which is the bank to which the principal has entrusted the handling of a collection;
寄单行即委托人委托办理托收的银行；
III. “collecting bank” which is any bank, other than the remitting bank, involved in processing the collection;
代收行即除寄单行以外的任何参与处理托收业务的任何银行；
IV. the “presenting bank” which is the collecting bank making presentation to the drawee.
b. The “drawee” is the one to whom presentation is to be made in accordance with the collection instruction. 付款人即根据托收指示向其提示单据的人。
B．Form and Structure of Collections托收的形式和结构Article 4Collection Instruction第四款 托收指示
A i. All documents sent for collection must be accompanied by a collection instruction indicating that the collection is subject to URC522 and giving complete and precise instructions. Banks are only permitted to act upon the instructions given in such collection instruction, and in accordance with these Rules.
所有送往托收的单据必须附有一项托收指示，注明该项托收将遵循《托收统一规则》第522号文件并且列出完整和明确的指示。银行只准允根据该托收指示中的命令和本规则行事；
ii. Banks will not examine documents in order to obtain instructions.
银行将不会为了取得指示而审核单据；
iii. Unless otherwise authorized in the collection instruction, banks will disregard any instructions from any party/bank other than the party/bank from whom they received the collections.
除非托收指示中另有授权，银行将不理会来自除了他所收到托收的有关人/银行以外的任何有关人/银行的任何指令。
B A collection instruction should contain the following items of information, as appropriate.
托收指示应当包括下述适宜的各项内容：
i. Details of the bank from which the collection was received including full name, postal and SWIFT addresses, telex, telephone, facsimile numbers and reference.
收到该项托收的银行详情，包括全称、邮政和SWIFT地址、电传、电话和传真号码和编号；
ii. Details of the principal including full name, postal address, and if applicable telex, telephone and facsimile numbers.
委托人的详情包括全称、邮政地址或者办理提示的场所以及，如果有的话，电传、电话和传真号码；
iii. Details of the drawee including full name, postal address, or the domicile at which presentation is to be made and if applicable telex, telephone and facsimile numbers.
付款人的详情包括全称、邮政地址或者办理提示的场所以及，如果有的话，电传、电话和传真号码；
iv. Details of the presenting bank, if any, including full name, postal address, and if applicable telex, telephone and facsimile numbers.
提示银行（如有的话）的详情，包括全称、邮政地址以及，如果有的话，电传和传真号码；
v. Amount(s) and currency (ies) to be collected.
待托收的金额和货币；
vi. List of documents enclosed and the numerical count of each document.
所附单据清单和每份单据的份数；
vii. a) Terms and conditions upon which payment and/or acceptance is to be obtained.
凭以取得付款和/或承兑和条件和条款；
b) Terms of delivery of documents against:
凭以交付单据的条件
1) payment and/or acceptance付款和/或承兑
2)other terms and conditions其他条件和条款
It is the responsibility of the party preparing the collection instruction to ensure that the terms for the delivery of documents are clearly and unambiguously stated, otherwise banks will not be responsible for any consequences arising therefrom.
缮制托收指示的有关方应有责任清楚无误地说明，确保单据交付的条件，否则的话，银行对此所产生的任何后果将不承担责任；
viii. Charges to be collected, indicating whether they may be waived or not.
待收取的手续费指明是否可以放弃；
ix. Interest to be collected, if applicable, indicating whether it may be waived or not, including:
a) rate of interest
b) interest period
c) basis of calculation (for example 360 or 365 days in year) as applicable.
待收取的利息，如有的话，指明是否可以放弃，包括利率、计息期、适用的计算期基数（如一年按360天还是365天）；
x. Method of payment and form of payment advice. 付款方法和付款通知的形式；
xi. Instructions in case of non-payment, non-acceptance and/or non-compliance with other instructions. 发生不付款、不承兑和/或与其他批示不相符时的指示。
i. Collection instructions should bear the complete address of the drawee or of the domicile at which the presentation is to be made. If the address is incomplete or incorrect, the collecting bank may, without any liability and responsibility on its part, endeavour to ascertain the proper address.
托收指示应载明付款人或将要办理提示场所的完整地址。如果地址不全或有错误，代收银行可尽力去查明恰当的地址，但其本身并无义务和责任。
ii. The collecting bank will not be liable or responsible for any ensuing delay as a result of an incomplete or incorrect address being provided.
代收银行对因所提供地址不全或有误所造成的任何延误将不承担责任或对其负责。
B. Form of Presentation提示的形式Article 5Presentation第五款 提示
a. For the purposes of these Articles, presentation is the procedure whereby the presenting bank makes the documents available to the drawee as instructed.
就本条款而言，提示是表示银行按照指示使单据对付款人发生有效用的程序。
b. The collection instruction should state the exact period of time within which any action is to be taken by the drawee.
托收指示应列明付款人将要采取行动的确切期限。
Expressions such as “first”, “prompt”, “immediate”, and the like should not be used in connection with presentation or with reference to any period of time within which documents have to be taken up or for any other action that is to be taken by the drawee. If such terms are used banks will disregard them.
诸如首先、迅速、立即和类似的表述不应用于提示、或付款人赎单采取任何其他行动的任何期限。如果采用了该类术语，银行将不予理会。
c. Documents are to be presented to the drawee in the form in which they are received, except that banks are authorized to affix any necessary stamps, at the expense of the party from whom they received the collection unless otherwise instructed, and to make any necessary endorsements or place any rubber stamps or other identifying marks or symbols customary to or required for the collection operation.
单据必须以银行收到时的形态向付款人提示，除非被授权贴附任何必需的印花、除非另有指示费用由向其发出托收的有关方支付以及被授权采取任何必要的背书或加盖橡皮戳记，或其他托收业务惯用的和必要的辨认记号或符号。
d. For the purpose of giving effect to the instructions of the principal, the remitting bank will utilize the bank nominated by the principal as the collecting bank. In the absence of such nomination, the remitting bank will utilize any bank of its own, or another bank’s choice in the country of payment or acceptance or in the country where other terms and conditions have to be complied with.
为了使委托人的指示得以实现，寄单行将以委托人所指定的银行作为代收行。在未指定代收行时，寄单行将使用他自身的任何银行或者在付款或承兑的国家中，或在必须遵守其他条件的国家中选择另外的银行。
e. The documents and collection instruction may be sent directly by the remitting bank to the collecting bank or through another bank as intermediary.
单据和托收指示可以由寄单行直接或者通过；另一银行作为中间银行寄送给代收行。
f. If the remitting bank does not nominate a specific presenting bank, the collecting bank may utilize a presenting bank of its choice.
如果寄单行未指定某一特定的提示行，代办行可自行选择提示行。Article 6Sight/Acceptance第六款 即期/承兑
In the case of documents payable at sight the presenting bank must make presentation for payment without delay.
In the case of documents payable at a tenor other than sight the presenting bank must, where acceptance is called for, make presentation for acceptance without delay, and where payment is called for, make presentation for payment not later than the appropriate maturity date.
如果是见单即付的单据，提示行必须立即办理提示付款不得延误；如果不是即期而是远期付款单据，提示行必须在不晚于应到期日，如是要承兑立即办理提示承兑、如是付款时立即办理提示付款。Article 7Release of Commercial Documents第七款 商业单据的交单（承兑交单D/A和付款交单D/P）
Documents Against Acceptance (D/A) vs. Documents Against Payment (D/P)
a. Collection should not contain bills of exchange payable at a future date with instruction that commercial documents are to be delivered against payment.
附有商业单据必须在付款时交出的托收指示，不应包含远期付款的汇票。
b. If a collection contains a bill of exchange payable at a future date, the collection instruction should state whether the commercial documents are to be released to the drawee against acceptance (D/A) or against payment (D/P).　　In the absence of such statement commercial documents will be released only against payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.
如果托收包含有远期付款的汇票，托收指示应列明商业单据是凭承兑不是凭付款交给付款人。如果未有说明，商业单据只能是付款交单，而代收行对由于交付单据的任何延误所产生的任何后果将不承担责任。
c. If a collection contains a bill of exchange payable at a future date and the collection instruction indicates that commercial documents are to be released against payment, documents will be released only against such payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.
如果托收包含有远期付款的汇票而且托收指示列明应凭付款交出商业单据时，则单据只能凭该项付款才能交付，而代收行对由于交单的任何延误所产生的任何结果将不承担责任。Article 8Creation of Documents代制单据
Where the remitting bank instructs that either the collecting bank or the drawee is to create documents (bills of exchange promissory notes, trust receipts, letters of undertaking or other documents) that were not included in the collection, the form and wording of such documents shall be provided by the remitting bank, otherwise the collecting bank shall not be liable or responsible for the form and wording of any such document provided by the collecting bank and/or the drawee.
在寄单行指示或者是代收行或者是付款人应代制托收中未曾包括的单据（汇票、本票、信托收据、保证书或其他单据）时，这些单据的格式和词句应由寄单行提供，否则的话，代收行对由代收行和/或付款人所提供任何该种单据的格式和词句将不承担责任或对其负责。
C. Liabilities and Responsibilities义务和责任Article 9Good faith and Reasonable Care
Banks will act in good faith and exercise reasonable care.
第九款 善意和合理的谨慎
银行将以善意和合理的谨慎办理业务。Article 10Documents vs. Goods/Services/Performances单据与货物/服务/行为
a. Goods should not be dispatched directly to the address of a bank or consigned to or to the order of a bank without prior agreement on the part of that bank.
Nevertheless, in the event that goods are dispatched directly to the address of a bank or consigned to or to the order of a bank for release to a drawee against payment or acceptance or upon other terms and conditions without prior agreement on the part of that bank, such bank shall have no obligation to take delivery of the goods, which remain at the risk and responsibility of the party dispatching the goods.
未经银行事先同意，货物不得以银行的地址直接发送给该银行、或者以该行作为收货人或者以该行为抬头人。然而，如果未经银行事先同意而将货物以银行的地址直接发送给了该银行，或以该行做了收货人或抬头人，并请该行凭付款或承兑或凭其他条款将货物交付给付款人，该行将没有提取货物的义务，其风险和责任仍由发货方承担。
b. Banks have no obligation to take any action in respect of the goods to which a documentary collection relates, including storage and insurance of the goods even when specific instructions are given to do so. Banks will only take such action if, when, and to the extent that they agree to do so in each case, notwithstanding the provisions of sub-article 1 (c), this rule applies even in the absence of any specific advice to this effect by the collecting bank.
银行对与跟单托收有关的货物即使接到特别批指示也没有义务采取任何行动包括对货物的仓储和保险，银行只有在个案中如果同意这样做时才会采取该类行动。撇开前述第一款（3）的规定，即使对此没有任何特别的通知，代收银行也适用本条款。
c. Nevertheless, in the case that banks take action for the protection of the goods, whether instructed or not, they assume no liability or responsibility with regard to the fate and/or condition of the goods and/or for any acts and/or omissions on the part of any third parties entrusted with the custody and/or protection of the goods. However, the collecting bank must advise without delay the bank from which the collection instruction was received of any such action taken.
然而，无论银行是否收到指示，它们为保护货物而采取措施时，银行对有关货物的结局和/或状况和/或对受托保管和/或保护的任何第三方的行为和/或疏漏概不承担责任。但是，代收行必须毫不延误地将其所采取的措施通知对其发出托收指的银行。
d. Any charges and/or expensed incurred by banks in connection with any action taken to protect the goods will be for the account of the party from whom they received the collection.
银行对货物采取任何保护措施所发生的任何费用和/或花销将由向其发出托收的一方承担。
e. i. Notwithstanding the provisions of sub-article 10 (a), where the goods are consigned to or the order of the collecting bank and the drawee has honoured the collection by payment, acceptance or other terms and conditions, and the collecting bank arranges for the authorized the collecting bank to do so.
a.撇开第十款1、条的规定，如果货物是以代收行作为收货人或抬头人，而且付款人已对该项托收办理了付款、承兑或承诺了其他条件和条款，代收行因此对货物的交付作了安排时，应认为寄单行已授权代收行如此办理。
ii. Where a collecting bank on the instructions of the remitting bank or in terms of sub-article 10 (e) i, arranges for the release of the goods, the remitting bank shall indemnify such collecting bank for all damages and expenses incurred.
若代收行按照寄单行的指示按上述第十款（1）条的规定安排交付货物，寄单行应对该代收行所发行的全部损失和化销给予赔偿Article 11Disclaimer For Acts of an Instructed Party对被指示的免责
a. Banks utilizing the services of another bank or other banks for the purposes of giving effect to the instructions of the principal, do so for the account and at the risk of such principal.
为使委托人的指示得以实现，银行使用另一银行或其他银行的服务是代该委托人办理的，因此，其风险由委托人承担；
b. Banks assume no liability or responsibility should the instructions they transmit not be carried out, even if they have themselves taken the initiative in the choice of such other bank(s).
即使银行主动地选择了其他银行办理业务，如该行所转递的指示未被执行，该行不承担责任或对其负责；
c. A party instructing another party to perform services shall be bound by and liable to indemnify the instructed party against all obligations and responsibilities imposed by foreign laws and usages.
一方指示另一方去履行服务，指示方应受到被指示方的法律和惯例所加于的一切义务和责任的制约，并承担赔偿的责任。Article 12Disclaimer on Documents Received对收到单据的免责
a. Bank must determine that the documents received appear to be as listed in the collection
instruction and must advise by telecommunication or, if that is not possible, by other expeditious means, without delay, the party from whom the collection instruction was received of any documents missing, or found t be other than listed.
Banks have no further obligation in this respect.
银行必须确定它所收到的单据应与托收批示中所列表面相符，如果发现任何单据有短缺或非托收指示所列，银行必须以电讯方式，如电讯不可能时，以其他快捷的方式通知从其收到指示的一方，不得延误；
银行对此没有更多的责任。
b. If the documents do not appear to be listed, the remitting bank shall be precluded from disputing the type and number of documents received by the collecting bank.
（2）如果单据与所列表面不相符，寄单行对代收行收到的单据种类和数量应不得有争议；
c. Subject to sub-article 5 (c) and sub-article 12 (a) and 12 (b) above, banks will present documents as received without further examination.
（3）根据第五款（3）和第十二款式、以及上述（2），银行将按所收到的单据办理提示而无需做更多的审核。Article 13Disclaimer on Effectiveness of Documents对单据有效性的免责
Banks assume no liability or responsibility of the form, sufficiency, accuracy, genuineness, falsification or legal effect of any document (s) or superimposed thereon; nor do they assume any liability, condition, packing ,delivery, value of existence of the goods represented by any document (s), or for the good faith or acts and/or omission, solvency, performance or standing of the consignors, the carriers, the forwarders, the consignees or the insurers of the goods, or any other person whomsoever.
银行对任何单据的格式、完整性、准确性、真实性、虚假性或其法律效力、或对在单据中载明或在其上附加的一般性和/或特殊性的条款不承担责任或对其负责；银行也不对任何单据所表示的货物的描述、数量、重量、质量、状况、包装、交货、价值或存在、或对货物的发运人、承运人、运输行、收货人和保险人或其他任何人的诚信或行为和/或疏忽、清偿力、业绩或信誉承担责任或对其负责。Article 14Disclaimer on Delays, Loss in Transit and Translation对单据在传送中的延误和损坏以及对翻译的免责
a. Banks assume no liability or responsibility for the consequences arising out of delay and/or loss in transit of any message (s), letter(s) or document(s), or for delay, mutilation or other error(s) arising in transmission of any telecommunication or for error(s) in translation and/or interpretation of technical terms.
银行对任何信息、信件或单据在传送中所发生的延误和/或损坏、或对任何电讯在传递中所发生的延误、残损或其他错误、或对技术条款的翻译和/或解释的错误不承担责任或对其负责；
b. Banks will not be liable or responsible for any delays resulting from the need to obtain clarification of any instructions received.
银行对由于收到的任何指示需要澄清而引起的延误将不承担责任或对其负责。Article 15Force Majeure
Banks assume no liability or responsibility for consequence arising out of the interruption of their business by Acts of God, riots, civil commotions, insurrections, wars, or any other causes beyond their control or by strikes or lockouts.
银行对由于天灾、暴动、骚乱、战争或银行本身不能控制的任何其他原因、任何罢工或停工而使银行营业中断所产生的后果不承担责任或对其负责。
D. PaymentArticle 16Payment Without Delay立即汇付
a. Amounts collected (less charges and/or disbursements and/or expenses where applicable) must be made available without delay to the party from whom the collection instruction was received in accordance with the terms and conditions of the collection instruction.
收妥的款项（扣除手续费和/或支出和/或可能的化销）必须按照托收指示中规定的条件和条款不延误地付给从其收到托收指示的一方，不得延误；
b. Notwithstanding the provisions of sub-article 1 (c) and unless otherwise agreed, the collecting bank will effect payment of the amounts collected in favour of the remitting bank only.
撇开第一款3、的规定和除非另有指示，代收行仅向寄单行汇付收妥的款项。Article 17Payment in Local Currency以当地货币支付
In the case of documents payable in the currency of the country of payment (local currency), the presenting bank must, unless otherwise instructed in the collection instruction, release the documents to the drawee against payment in local currency only if such currency is immediately available for disposal in the manner specified in the collection instruction.
如果单据是以付款地国家的货币（当地货币）付款，除托收指示另有规定外，提示行必须凭当地货币的付款，交单给付款人，只要该种货币按托收指示规定的方式能够随时处理。Article 18Payment in Foreign Currency用外汇付款
In the case of documents payable in a currency other than of the country of payment (foreign currency), the presenting bank must, unless otherwise instructed in the collection instruction, release the documents to the drawee against payment in the designed foreign currency only if such foreign currency can immediately remitted in accordance with the instructions given in the collection instruction.
如果单据是以付款地国家以外的货币（外汇）付款，除托收指示中另用规定外，提示行必须凭指定的外汇的付款，交单给付款人，只要该外汇是按托收指示规定能够立即汇出。Article 19Partial Payments分期付款
a. In respect of clean collections, partial payments may be accepted if and to the extent to which and on the conditions on which partial payments are authorized by the law in force in the place of payment. The financial document(s) will be released to the drawee only when full payment thereof has been received.
在光票托收中可以接受分期付款，前提是分批的金额和条件是付款当地的现行法律所允许。只有在全部货款已收妥的情况下，才能将金融单据交付给付款人。
b. In respect of documentary collection, partial payments will only be accepted if specifically authorized in the collection instruction. However, unless otherwise instructed, the presenting bank will release the documents to the drawee only after full payment has been received, and the presenting bank will not be responsible for any consequence arising out of any delay in the delivery of documents.
在跟单托收中，只有在托收指示有特别授权的情况下，才能接受分期付款。然而，除非另有指示，提示行只能在全部货款已收妥后才能将单据交付给付款人。
c. In all cases partial payments will be accepted only subject to compliance with the provisions of either Article 17 or Article 18 as appropriate. Partial payment, if accepted, will be dealt with in accordance with the provisions of Article 16.
在任何情况下，分期付款只有在符合第十七款或第十八款中的相应规定时将会被接受。
如果接受分期付款将按照第十六款的规定办理。
E. Interest, Charges and Expenses利息、手续费和费用Article 20Interest
a. If the collection instruction specifies that interest is to be collected and the drawee refuses to pay such interest, the presenting bank may deliver the document (s) against payment of acceptance or on other terms and conditions as the case may be, without collecting such interest, unless sub-article 20 (c) applies.
如果托收指示中规定必须收取利息，但付款人拒付该项利息时，提示行可根据具体情况在不收取利息的情况下凭付款或承兑或其他条款和条件交单，除非适用第廿款3条。
b. Where such interest is to be collected, the collection instruction must specify the rate of interest, interest period and basis of calculation.
如果要求收取利息，托收指示中应明确规定利率、计息期和计息方法。
c. Where the collection instruction expressly states that interest may not be waived and the drawee refuses to pay such interest the presenting bank will not deliver document and will not be responsible for any consequences arising out of any delay in the delivery of document(s). When payment of interest has been refused, the presenting bank must inform by telecommunication or, if that is not possible, by other expeditious means without delay the bank from which the collection instruction was received.
如托收指示中明确地指明利息不得放弃而付款人以拒付该利息，提示行将不交单，并对由此所引起的延迟交单所产生的后果将不承担责任。当利息已被拒付时，提示行必须以电讯，当不可能时可用其他便捷的方式通知曾向其发出托收指示的银行，不得延误。Article 21Charges and Expenses手续费和费用
a. If the collection instruction specifies that collection charges and/or expenses are to be of account of the drawee and the drawee refuses to pay them, the presenting bank may deliver the document(s) against payment or acceptance or on other terms and conditions as the case may be, without collecting charges and/or expenses, unless sub-article 21 (b) applies.
Whenever collection charges and/or expenses are so waived they will be for the account of the party from whom the collection was received and may be deducted from the proceeds.
如果托收指示中规定必须收取手续费和（或）费用须由付款人承担，而后者拒付时，提示行可以根据具体情况在不收取手续费和A（或）费用的情况下凭付款或承兑或其他条款和条件交单，除非适用第廿一款（2）条。
每当托收手续费和（或）费用被这样放弃时，该项费用应由发出托收的一方承担，并可从货款中扣减。
b. Where the collection instruction expressly states that charges and/or expenses may not be waived and the drawee refuses to pay such charges and/or expenses, the presenting bank will not deliver documents and will not be responsible for any consequence arising out of any delay in the delivery of the document(s). When payment of collection charges and/or expenses has been refused the presenting bank must inform by telecommunication or, if that is not possible, by other expeditious means without delay the bank from which the collection instruction was received.
如果托收指示中明确指明手续费和（或）费用不得放弃而付款人又拒付该项费用时，提示行将不交单，并对由此所引起的延误所产生的后果将不承担责任。当该项费用已被拒付时，提示行必须以电讯，当不可能时可用其他便捷的方式通知曾向其发出托收指示的银行，不得延误。
c. In all cases where in the express terms of a collection instruction or under these Rules, disbursements and/or expenses and/or collection charges are to be borne by the principal, the collecting bank(s) shall be entitled to recover promptly outlays in respect of disbursements, expenses and charges from the bank form which the collection instruction was received, and the remitting bank shall be entitled to recover promptly from the principal any amount so paid out by it, together with its own disbursements, expenses and charges, regardless of the fate of the collection.
在任何情况下，若托收指示中清楚地规定或根据本〈规则〉，支付款项和（或）费用和（或）托收手续费应由委托人承担，代收行应有权从向其发出托收指示的银行立即收回所支出的有关支付款、费用和手续费，而寄单行不管该托收结果如何应有权向委托人立即收回它所付出的任何金额连同它自己的支付款、费用和手续费。
d. Banks reserve the right to demand payment of charges and/or expenses in advance from the party from whom the collection instruction was received, to cover costs in attempting to carry out any instructions, and pending receipt of such payment also reserve the right not to carry out such instructions.
银行对向其发出托收指示的一方保留要求事先支付手续费和（或）费用用以补偿其拟执行任何指示的费用支出的权利，在未收到该项款项期间有保留不执行该项指示的权利。
F. Other ProvisionsArticle 22Acceptance
The presenting bank is responsible for seeing that the form of the acceptance of a bill of exchange appears to be complete and correct, but is not responsible for the genuineness of any signature or for the authority of any signatory to sign the acceptance.
提示行有责任注意汇票承兑形式看来是完整和正确的，但是，对任何签字的真实性或签署承兑的任何签字人的权限不负责任。Article 23Promissory Notes and Other Instructions本票和其他凭证
The presenting bank is not responsible for the genuineness of any signature or for the authority of any signature to sign a promissory note, receipt, or other instruments.
提示行对在本票、收据或其他凭证上的任何签字的真实性或签字人的权限不负责任。Article 24Protest拒绝证书
The collection instruction should give specific instructions regarding protest (or other legal process in lieu thereof), in the event of non-payment or non-acceptance.
In the absence of such specific instructions, the banks concerned with the collection have no obligation to have the document(s) protested (or subjected to other legal process in lieu thereof) for non-payment or non-acceptance.
Any charges and/or expenses incurred by banks in connection with such protest, or other legal process, will be for the account of the party from whom the collection instruction was received.
托收指示对当发生不付款或不承兑时的有关拒绝证书应有具体的指示（或代之以其他法律程序）。
银行由于办理拒绝证书或其他法律程序所发生的手续费和（或）费用将由向其发出托收指示的一方承担。Article 25Case-of-Need预备人
If the principal nominates a representative to act as case-of-need in the event of non-payment and/or non-acceptance the collection instruction should clearly and fully indicate the powers of such case-of-need. In the absence of such indication banks will not accept any instructions from the case-of-need.
如果委托人指定一名代表作为在发生不付款和（或）不承兑时的预备人，托收指示中应清楚地、详尽地指明该预备人的权限。在无该项指示时，银行将不接受来自预备人的任何指示。Article 26Advices
Collecting banks are to advise fate in accordance with the following rules:
代收行应按下列规则通知托收状况：
a. Form of Advise通知格式
All advices of information from the collecting bank to the bank from which the collection instruction was received, must bear appropriate details including, in all cases, the latter bank’s reference as stated in the collection instruction.
代收行对向其发出托收指示的银行给予所有通知和信息必须要有相应的详情，在任何情况下都应包括后者在托收指示中列明的银行业务编号。
b. Method of Advice通知的方法：
It shall be the responsibility of the remitting bank to instruct the collecting bank regarding the method by which the advices detailed in (c) i, (c) ii and (c) iii are to be given. In the absence of such instructions, the collecting bank will send the relative advices by the method of its choice at the expense of the bank from which the collection instruction was received.
寄单行有责任就通知的方法向代收行给予指示，详见本款（3）a,（3）b和（3）c的内容。在无该项指示时，代收行将自行选择通知方法寄送有关的通知，而其费用应由向其发出托收指示的银行承担。
c. i. Advice of Payment付款通知
The collecting bank must send without delay advice of payment to the bank from which the collection instruction was received, detailing the amount or amounts collected, charges and/or disbursements and/or expenses deducted, where appropriate, and method of disposal of the funds.
代收行必须无延误地对向其发出托收指示的银行寄送付款通知，列明金额或收妥金额、扣减的手续费和（或）支付款和（或）费用额以及资金的处理方式。
ii. Advice of Acceptance承兑通知
The collecting bank must send without delay advice of acceptance to the bank from which the collection instruction was received.
代收行必须无延误地对向其发出托收指示的银行寄送承兑通知；
iii. Advice of Non-payment and/or Non-acceptance不付款或不承兑的通知
The presenting bank should endeavour to ascertain the reasons for non-payment and/or non-acceptance and advise accordingly, without delay, the bank from which it received the collection instruction.
The presenting bank must send without delay advice of non-payment and/or advice of non-acceptance to the bank form which it received the collection instruction.
On receipt of such advice the remitting bank must give appropriate instructions as to the further handling of the documents. If such instructions are not received by the presenting bank within 60 days after its advice of non-payment and/or non-acceptance, the documents may be returned to the bank from which the collection instruction was received without any further responsibility on the part of the presenting bank
提示行应尽力查明不付款或不承兑的原因，并据以向对其发出托收指示的银行无延误地寄送通知。
提示行应无延误地对向其发出托收指示的银行寄送不付款通知和（或）不承兑通知后60天内未收到该项指示，代收行或提示行可将单据退回给向其发出指示的银行，而提示行方面不承担更多的责任。
1995年修订本，自 1996年1月1日 生效