银行SWIFT函电特点分析

国际银行间主要是通过函电传递信息,处理交易和解决纠纷,因而函电的写作对银行来讲十分重要。但是对于银行函电,尤其是以SWIFT系统发送的函电进行的综合分析较少。文章简要介绍了SWIFT函电的基本格式及规定,并对由此而产生的词汇、句法等特点进行综合分析,帮助初学者熟悉SWIFT报文的格式规定以及银行函电的写作惯例。     

Global networks of money and information at the crossroads: Correspondent banking and SWIFT

This article explores how transaction information is a fundamental element enabling and fostering global flows of money. Financial systems, constructed around account-based money, require infrastructure, which is separated into two parts: messaging and settlement, performed via trusted agents. This separation has allowed the geographical expansion of banking, and to this day constitutes a key architecture of increasingly global networks of money. Focusing on the correspondent banking system and the Society for Worldwide Interbank Financial Telecommunication, this article demonstrates the workings of this infrastructure in cross-border payments and in enacting economic sanctions. This sociotechnical infrastructure is a crucial yet overlooked area of global banking, which makes global economic and financial activity possible in the first place. Importantly, by analysing the organizational architecture of the global payments system and including the actors and agencies within it, we elucidate the (changing) relationships between data/information, geographies and power, contributing to the formation of a literature that conceptualizes financial infrastructure.