一、汇入汇款业务的处理(Inward Remittance)
汇入汇款基本程序见图2.1.2-1。
电汇、信汇业务中汇入汇款环节包括：
②汇入行收到汇款指示
③头寸划拨
④汇款解付
票汇业务中汇入汇款环节包括：
(4)收款人提示汇票
(5)头寸划拨
(6)汇款解付
1、汇入行业务处理环节和要求
汇入行业务处理环节见图2.1.2-2。
2、汇款业务中的退汇
汇款业务中的退汇处理见图2.1.2-3。
办理票汇退汇时，为避免挂失汇票找到后导致银行承担风险，汇款人应向汇出行出具担保书。
3、担保书格式见示样2.1.2-1。
示样2.1.2-1 担保书
LETTER OF INDEMNITY
WHEREAS YOU ISSUED TO ME/US A DRAFT NO. DATED FOR THE AMOUNT OF IN FAVOUR OF AND WHEREAS SUCH DRAFT HAS BEEN LOST OR MISLAID, AND I/WE HEREBY REQUEST YOU TO ISSUE TO ME/US A REPLACEMENT DRAFT.
NOW THEREFORE IN CONSIDERATION OF THE PAYMENT OF THE AMOUNT OF SUCH DRAFT, I/WE HEREBY UNDERTAKE AND AGREE TO INDEMNITY YOU AND YOUR AGENTS FROM AND AGAINST ALL LOSS WHICH YOU/THEY MAY INCURE OR SUSTAIN BY ANY REASON, AND PARTICULARLY IN THE EVENT OF SUCH DRAFT BEING PRESENTED AND PAID, I/WE AGREE TO REPAY YOU THE AMOUNT SO PAID ON SUCH DRAFT AND FUTHER, IF SUCH DRAFT SHALL AT ANY TIME HEREAFTER COME TO MY/OUR POSSESSION, I/WE WILL DELIVER TO YOU WITHOUT ANY COST.
