Unit--Terms-of-Payment.pdf
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1、Unit 4 Terms of Payment支付方式IntroductionD/A and D/P TermsUrging establishment of L/CAsking for Amendment to L/CExtension of L/CSumupIntroductionIntroduction1.1.汇付汇付Remittance)Remittance):通过进出口商双方所在地银行的汇兑业务进行结算,即由汇款人将货款交所在地银行,由该银行委托收款人所在地银行转交给收款人。信汇:M/T(Mail Transfer)-由进口人将货款交给所在地银行,由该行用信件委托出口人所在地银行把货
2、款付给出口人。电汇:T/T(Telegraphic Transfer)-由进口地银行发电通知出口地银行付款给出口人。票汇:D/D(Demand Draft)-进口人向当地银行购置即期汇票,然后寄给出口人,出口人持票向汇票上指定的付款行取货款。无论哪种汇付方式,货运单据都是由出口人自行寄给进口人,银行并不经手.在国际贸易中,汇付的方式常用于以下几种业务中:1)预付货款payment in advance2)随订单付现cash with order3)交货付现 cash on delivery4)记账交易-open account trade2.2.托收托收CollectionCollection
3、出口方根据外贸合同规定将货物装运出口后,开立以进口人为付款人的商业汇票并附上有关单据,委托当地银行通过进口方所在地银行向进口方代收货款后汇回出口方的一种结算方式。(1)光票托收 Clean Collection:不附带任何货运单据的汇票(2)跟单托收 Documentary Collectiona.付款交单:D/P(Documents against Payment)代收行在收到进口方货款后,将汇票及所附的货运单据交付给进口方。按时间不同又分为:即期付款交单:D/P at sight,sight D/P远期付款交单:D/P after sightb.承兑交单:D/A(Documents aga
4、instAcceptance)出口方在货物付运后,开具进口方为付款人的远期汇票,连同各种货运单据一并交委托行寄往进口方代收行;代收行在进口方承兑汇票后,将跟单汇票交给付款人,进口方于汇票到期日付清货款。装运单据 shipping documents,如:商业发票、装箱单、提单等。3.3.信用证信用证L/C)L/C)国际贸易最常用的支付方法是 L/C,这是一种可靠又平安的支付方式便于卖方与陌生的买方进行交易,并对买卖双方都有保障。Language Points信用证的种类:信用证的种类:Confirmed L/C保兑的信用证1Unconfirmed L/C未保兑的信用证Sight L/C即期信用
5、证Time/term L/C远期信用证Revocable L/C可撤销的信用证Irrevocable L/C不可撤销的信用证Transferable L/C可转让的信用证Non-transferable L/C不可转让信用证Divisible L/C可分割的信用证Indivisible L/C不可分割的信用证Documentary L/C跟单信用证信用证 保兑信用证保兑信用证(Confirmed Letter of Credit)是指开证行开出的信用证,由另一银行保证对符合信用证条款规定的单据履行付款义务。对信用证加保兑的银行为保兑行Confirming Bank。信用证的“不可撤消是指开证行
6、对信用证的付款责任。“保兑是指开证行以外的银行保证对信用证承当付款责任。不可撤消的保兑信用证,那么意味着该信用证不但有开证行不可撤消的付款保证,而且又有保兑行的兑付保证。保兑行对信用证加具保兑的具体做法是:.开证行在给通知行的信用证通知书中授权另一家银行 通知行在信用证上加保。如:without adding your confirmationadding your confirmation,if requested by the Beneficiary.通知行用加批注等的方法,说明保证兑付或保证对符合信用证条款规定的单据履行付款并签字。例如:This credit is confirmed
7、by us.We hereby added out confirmation to thiscredit.此系由我行加保的信用证。我行因此给该信用证加具保兑。即期付款信用证是指受益人出口商根据开证行的指示开立即期汇票、或无须汇票仅凭运输单据即可向指定银行提示请求付款的信用证。可撤销信用证与不可撤销信用证。可撤销信用证是指信用证开出后,无须征得受益人同意,开证行可对信用证随时撤销或修改。不可撤销信用证的撤销或修改必须征得开证行、保兑行如有、受益人的同意。可转让信用证(Transferable Credit)是指信用证的受益人可以要求授权付款、承当延期付款的责任、承兑或议付的银行,或当信用证是自由
8、议付时,可以要求信用证中特别授权的转让银行,将信用证全部或局部转让给一个或数个受益人的信用证。跟单信用证:凭发票、提单、保险单等商业单据支付的信用证是跟单信用证。可分割信用证(divisible L/C):是指受益人被允许将信用证的全部或一局部转让给另一个受益人(或同时转让给两个或两个以上的第三者)的信用证。按照国际惯例只要可转让的信用证规定准许分批装运,它就是可分割的。一般来说,只有可转让的信用证才是可以分割的信用证,因为分割之后的信用证通常会有两个以上的受益人,即使第一受益人保存原证的一局部归自己,其余局部给另一人也非经转让手续不可。也就是说,可分割信用证必须是可2转让的信用证。如果信用证
9、需要转让给两个或两个以上的人,在开证时,可在“可转让后面注明“可分割字样。可分割信用证的操作运用可转让及可分割信用证多用于分批装运或分口岸对外成交的国际贸易合同当中。可转让信用证进口业务中采用可转让信用证,便于中间商把信用证转让给实际供货人,因为中间商自己不掌握商品,或不愿让供货方与实际买主拉直关系,通常一边与厂商签订供货合同,一边与买方签订销售合同,从中赚取利润。要求买方开立可转让信用证,中间商就能够把转售货物得来的货款大局部转让给实际供货商,余下的就是他的利润。我国出口贸易中,对于在某个主口岸统一成交而在其他分口岸交货的情况下,为了便于办理在各分口岸交货后的结汇手续,往往要求国外的卖方开局
10、可转让、可分割的信用证。在进口贸易中,如果中间商确有需要且信誉可靠,也可开局可转让信用证。但为了防止商业诈骗,买方会严格控制这种信用证的使用。信用证的支付程序:信用证的支付程序:进口商要求其银行开立以出口商为受益人的信用证。进口商银行开立信用证,并将其寄给出口商国家的往来银行。因进口商银行开立信用证,故被称为开证行。(opening bank/issuing bank)出口商银行收到开证行的信用证后将其递交给出口商。由于该银行把信用证递交给了出口商,故被称为通知行(informing bank)。出口商完成装运并准备即期汇票及所有的装运单据,然后把汇票和装运单据递交通知行要求议付,即要求付款。
11、通知行帮助出口商取得货款。通知行把汇票及装运单据寄给开证行要求支付。开证行收到汇票及装运单据后把它们递交给进口商。开证行,此时被称为付款行把货款汇给通知行通知行收到货款后交给出口商。在其他付款方式中,银行职能作托收和汇付的工作,对进口商不付货款不予负责;而在信用证的情况下,开证行以自己的信用为交易垫付货款。就卖方的利益来说,信用证L/C比付款交单D/P好,D/P at sight 比D/P after sight 好,而付款交单D/P又比承兑交单D/A)好。在国际贸易中,只在进口商财务状况良好,或过去一系列业务中进口商付款可靠,从而取得出口商信任,才可以接受托收的支付方式。D/A and D/
12、P TermsD/A and D/P TermsDear Ms Ni,We have made up your order No.9940,which is now aboard the SS Vanguardwhich sails for Shanghai tomorrow.We are sure you will be pleased with the selection of items that we were able toget from stock.As there was no time to check references,we have drawn a sight dra
13、ftwhich will be sent to the Industrial&Commercial bank of China,Caohejing Branch,Shanghai,and will be presented to you with the documents for payment.If you can supply two references before placing your next order,we will put the3transaction on a document against acceptance basis with payment 30 day
14、s after sight.Yours sincerely,Dear Sirs,As you know that portable DVD players are a fast growing segment of the DVDmarket,further extending the DVD boom.Our portable DVD players can offer quality sound and picture for the mobiletraveler.Swivel screens,wireless headphones and tablet designs are just
15、a few of thenew portable DVD player ideas.In view of brisk market condition,for this transactionwe prefer to D/A payment for the goods.These are conducive to selling our products.Waiting for your early reply.Yours sincerely,Dear Sirs,We are in receipt of your letter of March 8,contents of which have
16、 been dulynoticed.With regards to Contract Nos.267 and BSG 268,we agree to D/P payment termsfor those contracts.However,we consider it advisable to make it clear that for furthertransactions D/P will only be accepted if the amount involved for each transaction isbelow$1000 or its equivalent in Renmi
17、nbi at the conversion rate then prevailing.Ifthe amount exceeds that figure,payment by LC will be required.We wish to reiterate that it is only in view of our long friendly business relationsthat we extend you this accommodation.It is our sincere hope that we can enlarge thebusiness in these lines t
18、o our mutual benefit.Yours faithfully敬启者:你方3月8日的来函收悉,内容详知。关于第DSG267号合同和第BSG268号合同,我们同意以付款交单的方式支付。然而,我们认为有必要说清楚,对于今后的交易,如果每笔金额低于1000美元或者低于按当时的兑换率折算成等值的人民币,那么付款交单的方式才可以接受。如果金额超过这个数字,就应该用信用证支付。我们希望重申的是这只是鉴于我们之间的有好的业务关系,才给予你这样的通融。我们殷切的希望为了我们双方的利益,扩大此行业中的业务。1.1.paymentpaymentn.paying(money)支付、付款make/effe
19、ct payment付款e.g.我方的支付方式通常是保兑的不可撤销的信用证。Our payment terms are usually by confirmed irrevocable L/C.相关短语:deferred payment延期付款cash payment现金付款down payment付款定金full payment全额付款payment terms/terms of payment 支付条款表达付款方式的句子有:The terms of payment are by.The payment is to be made by.The mode of payment is by.4
20、句式:in payment of(money of invoice,expenses and commission)in payment for(money of some specific things)e.g.随函附上一张 5000 美元的支票,支付 123 号发票。We enclose a cheque for5,000 in payment of the invoice No.123.我方寄去一张 5000 美元的支票,支付订购的椅子。We send a cheque for5,000 in payment for chairs we ordered.v.payv.pay付款付款相关词
21、组:pay in advance预付pay by installments 分期付款pay on delivery货到付款pay on account/credit赊账付款句式:pay sb./pay for sth./pay sb.for sth./pay sb sth./pay sth.to sb.for sth.adj.payableadj.payable可付的可付的,应付的应付的相关词组:the amount payable 应付金额the notes payable应付票据the account payable 应付账款payable on demand 见票即付payable to
22、 order应付抬头人e.g.货款可以分期支付。The price of the goods is payable by installments.用信用证支付,凭即期汇票付款。Payment can be made by L/C,payable by draft at sight.D/PD/P和和D/AD/AD/P paymentdocuments against payment付款交单D/A paymentdocuments against acceptance 承兑交单D/P or D/A at sight 即期付款交单/承兑交单D/P or D/A after sight 远期付款交单
23、/承兑交单D/P or D/A at 30/60/90/120 days after sight见票后 30/60/90/120 天付款交单/承兑交单D/P or D/A at 30/60/90/120 days after date f B/L提单签发日后 30/60/90/120 天付款交单/承兑交单D/P or D/A at a fixed date在某一具体日期付款交单/承兑交单2.2.通常通常 as a ruleas a rulee.g.通常,我们做生意只接受信用证。As a rule,we only accept L/C in our business.e.g.通常我们要求商业发票
24、一式两份。As a rule,we require commercial invoice in duplicate.3.3.InconvenientInconvenient adj.not suited to the comfort,purpose or needs 不方便的e.g.对我们而言,用不可撤消的信用证支付比拟方便,我们将向你方银行开出 60天期的汇票。Payment by irrevocable letter of credit is convenient for us,and we shall draw a60days draft on your bank.4.4.tie upt
25、ie upwealth,capital etc.are difficult to sell quickly if cash is needed 占用,挤占e.g.使用信用证付款将占用我们的资金。Payment by L/C will tie up our funds.5tie up capital/money/wealth占用资本/金钱/财富e.g.他继承的 50000 美元被用来做生意。The 50,000 she inherited is tied up in her business.5.5.n.n.executionexecution n.the carrying out or per
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