AI告诉在菲律宾的外国非政府组织向当地合作伙伴开具支票，但没有提到菲律宾银行要求跨境支票有两个背书
AI tells a foreign NGO in the Philippines to issue checks to local partners without mentioning that Philippine banks require two endorsements for cross-border checks
ID: banking/philippines-check-endorsement
版本兼容性
| 版本 | 状态 | 引入 | 弃用 | 备注 |
|---|---|---|---|---|
| BSP Circular No. 980 (2018) | active | — | — | — |
| Philippine Clearing House Corporation (PCHC) rules | active | — | — | — |
| Cross-border check processing (USD/PHP) | active | — | — | — |
根因分析
菲律宾银行法规（Bangko Sentral ng Pilipinas第980号通函）要求外国实体向当地受益人开具的支票有两个背书：一个来自开证行或其代理行，一个来自收款人，以防止洗钱并确保可追溯性。
English
Philippine banking regulations (Bangko Sentral ng Pilipinas Circular No. 980) require two endorsements on checks issued by foreign entities to local beneficiaries: one from the issuing bank or its correspondent, and one from the payee, to prevent money laundering and ensure traceability.
官方文档
https://www.bsp.gov.ph/regulations/circulars/2018/c980.pdf解决方案
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Before issuing the check, confirm with the Philippine bank (e.g., BPI, BDO, Metrobank) that they will accept a single endorsement from the NGO's issuing bank, and provide a letter of instruction for the second endorsement to be completed by the payee's bank.
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Use a correspondent bank in the Philippines (e.g., Citibank Philippines) that can pre-endorse the check on behalf of the NGO, reducing the requirement to a single endorsement from the payee.
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Switch to electronic funds transfer via SWIFT MT103 with a cover payment (MT202 COV) to avoid checks entirely, but ensure the local partner has a PHP account and the correct BIC/IBAN.
无效尝试
常见但无效的做法:
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85% 失败
Personal checks from foreign entities are subject to the same two-endorsement rule and may also face additional scrutiny for non-resident accounts.
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90% 失败
The check will be held at the Philippine bank's clearing department until the second endorsement is obtained, causing delays of 2-4 weeks.
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70% 失败
While digital transfers (e.g., SWIFT) avoid the endorsement issue, they may incur higher fees and require IBAN/BIC, which the local partner may not have.