Understand the Swift,

Swift message transfer service

斯威夫特的报文传送服务被世界上200多个国家和地区11000多家金融机构信赖并使用。迅速向我们的用户群所提供的报文传送服务可靠,安全、高效,我们因此而成为世界金融通信行业的中流砥柱。

我们的报文传送服务于1977年开始推出,用以取代电报技术,随后被银行广泛用于跨境转账相关的指令通信。这项服务在当时是开创性的,今天它也依然与我们的生活息息相关,它是全世界金融机构与其往来银行的主要通信通道,提供与支付,证券,财资和交易有关的最安全,成本最低,最可靠的金融报文传输方式。

自其创立时起,迅速即与其用户一道,在加强标准化(这是全球金融报文传送和自动化的基础的)方面起到了主要作用。使用标准化的报文和参考数据可以确保机构间交换的信息准确无误且便于机器进行识别,有助于进行自动化,并且能够减少成本,降低风险。通过使用迅速、银行,托管公司,投资机构,中央银行,市场基础设施及企业客户能够彼此连接在一起,通过交换结构化的电子报文完成相同的商业流程,例如进行支付或贸易结算。

Swift is committed to maintaining the confidentiality of the message transfer service, consistency and availability.We develop and implement a variety of control and process, in order to prevent the packet data disclosed without authorization;To help ensure the accuracy, completeness and effectiveness of the message and service;And make sure our service availability requirements are met.

SwiftNet

We will our message transfer platform named "SwiftNet", the platform through the use of a single, Shared facilities make our users can seamlessly, safe communication, greatly improve the efficiency of the user.Financial services for message transfer (whether the object of the message transfer market infrastructure, a bank or business customers) has become increasingly complicated and diversified.So today, we provide four complementary by SwiftNet message transfer service, which can realize the seamless straight-through processing: FIN, InterAct, FileAct and WebAccess.Each service has its unique advantages, can meet the different needs of different customers for message transfer.

FIN

Of (among) all the message transfer service, FIN is our earliest established service.It implements the traditional Swift MT standard format message exchange.These standards cover a broad range of business, and will be widely used and recognized by the financial sector.FIN to message switching, on the basis of the detailed message and support market infrastructure and its proprietary format message exchange between clients.FIN also USES stock transfer mode, and provide a large number of other functions, such as message copy, to the group, broadcast and online retrieval previously exchanged messages.

InterAct

和鳍一样,互动也能够以逐条报文的方式进行报文交换,并支持市场基础设施与其客户间专有格式报文的交换。此外,交互增加了灵活性,包括存转报文传送,实时报文传送以及实时问答等选项。互动实现了MX报文类型交换,MX报文类型以灵活的XML语法进行表达,并根据ISO 20022标准方法开发,很多MX报文类型已被纳入ISO 20022标准定义并发布。

FileAct

FileAct realized the file transfer.It is often used to transfer bulk message (such as batch payment document, large report or a large number of operational data).

WebAccess

Through WebAccess SwiftNet users can use the standard Internet technologies and protocols safe browsing SwiftNet available on financial website.

连接到我们的报文传送服务

In order to use the Swift message transfer service, customers need to access the Swift environment.Connected to the Swift method has the following kinds: environment directly through the permanent lease line, the Internet or Swift cloud services (Lite2);Or indirectly through its designated partner links.

Our clients send message will use our special safety and identification technology for verification (documents can be sent via our FileAct message transfer service.Connection guide for files and a message is applicable).When the message from customer environment (environment) or client partners and into the Swift environment, will be encrypted.Message in the whole transmission process (from its into our operations center to its security delivered to recipient) will be in a protected in Swift, environment, and apply all the Swift, confidentiality and integrity of the promises.

Swift, in addition to providing different connection selection and broad platform products, also provides various interfaces, in order to realize the user's internal systems and Swift environment seamless connection.Our various interfaces follow Swift access environment all the Swift agreement, at the same time, we also according to customer demand for the customer to make different optional options, to support the different service, to provide different functions.

All the Swift message transfer services can be combined with all kinds of standard and optional functions.Users can through the use of these additional tools for message transfer according to its needs to tailor its use SwiftNet service combination, and improve efficiency.

流量与定价

With Swift growing user base, we several times every year peak day record update message transfer.Message transfer quantity and the increase in the number of users has a scale, we cut message transfer prices to such benefits through feedback to our users.

The more people join the Swift, message transfer flow, the more feedback to the user community of interests, because traffic growth will promote the user slashing prices.We offer several different price options, so as to adapt to each user, for large users, for example, we provide a fixed rate.

Standard message

实现金融界的高效通信

Swift was founded in 1973, in order to "build a global financial message transfer service, create a Shared international financial message transfer common language" this ambitious vision for the purpose of innovation.In order to achieve this vision, Swift has long played a major role in standardization.In particular, we create and maintain the standards of the global financial message transmission and reference data.

Standardization of data transfer across different languages, in the promotion system of understanding, and to realize the seamless communication, automatic transmission between users, accepting and processing is very important.The use of standardized information and reference data to ensure accurate and facilitate the exchange of information between machine identification;This, in turn, and can implement efficient automation, and reduce the cost and reduce risk.

Financial industry today, send each other structured electronic message in order to achieve the same business processes (such as payment or confirmation) has become a convention.As a financial message transfer standardized last enabler, Swift standards group collaboration, together with the finance to make sure these message standards.These standards will be a clear message can contain data element, meaning that recorded the data elements and format, and distinguish between elements is indispensable, which is optional, which is specifically required by the specific business situations.Message transfer standard also message recipient is expected to take action, and because some business process need multiple message exchange, standards will be a clear message to send and receive the order.

Swift standards group has become a variety of standard registration agency (RA), the general coding standard to determine the general data entry, or参考数据.Registration agencies (RA) by the international organization for standardization (ISO) specified, designed to ensure that the reference data consistency, determined by the ISO standard, and for the interests of the user groups release data in an accessible format.Examples of these standards including ISO 9362 business identifier (BIC - often referred to as "Swift code", is used to identify counterparties) and ISO 10383 market identification number (MIC, is used to identify the exchanges, trading platform, regulation and market regulation, and transaction report facilities).Swift standards group has promoted the formation of other reference data standards and implementation, especially the ISO 17442 legal entity identifier (LEI).In order to achieve the regulatory reporting purposes, the demand for LEI more and more.Financial message transfer standards define these codes, to reduce the ambiguity of the data.

斯威夫特标准小组与用户群

Swift standards group cooperate with users, in order to make clear and releaseMarket practice——即关于如何运用标准满足特定商业需求或遵循法律规定的规则和最佳做法建议。

Swift standards group maintains several important message transfer standard.For example, Swift MT standard used for international payment, cash management, trade finance and Treasury management.Swift standards group cooperate with Swift community, for MT for annual maintenance, to ensure that the standards to keep pace with The Times, meet the changing market demand.

Swift as ISO standards group of contractors, but also maintain the two open message transfer standard, ISO 15022 (for securities settlement services and assets) and ISO 20022 (its scope applies to all financial processes).

ISO 20022 has two layers of function, on the one hand, it is the method of creating financial message transfer standard;On the other hand, it is also a collection of related content, including the definition of general industry terms, and is suitable for growing business (including payment, cash management, Treasury, bank CARDS and securities) message transmission definition.