Unit11Payment.ppt

UnitTwelvePayment 1 MajorMeansofPaymentinInternationalTrade BillofExchange Draft汇票PromissoryNote本票Cheque Check支票 1 1BillofExchange Draft Abillofexchange alsocalleddraft is anunconditionalorderinwriting addressedbyonepersontoanother signedbythepersongivingit requiringthepersontowhomitisaddressedtopayondemand oratafixedordeterminablefuturetime asumcertaininmoney to ortotheorderof aspecifiedpersonortobearer 汇票是由一人向另一人签发的无条件的书面命令 要求接受人在见票时或在指定的或可以确定的将来某一日期 支付一定的金额给特定的人或其指定的人或持票人 ASampleDraft 编号 7088汇票金额 7500美元中国 上海 2011年8月8号凭本汇票 副本未付 于见票后60天付上海ABC进出口公司或其指定人柒仟伍佰美元整 大写 此致JF公司林登大街56号上海ABC进出口公司迈阿密 美国经理 签字 ThePartiestoaBillofExchangeDrawer 开票人 thepersonwhowritestheorderandgivesdirectionstothepersontomakeaspecificpaymentofmoney usuallytheexporterorhisbanker Drawee 付款人 受票人 orthepayer thepersontowhomtheorderisaddressedandwhoistopaythemoney usuallytheimporterortheappointedbankunderaletterofcredit Payee 收款人 theperson individual firm orbank towhomthepaymentisorderedtobemade usuallythesameasthedrawer ClassificationofBillsofExchangeCommercialBill Banker sBill商业汇票 银行汇票Commercial thedrawerisacommercialconcern forforeigntradefinanceBanker s thedrawerisabankCleanBill DocumentaryBill光票 跟单汇票Clean nodocumentsattached forcollectingcommission interest samplefeeandcashinadvanceDocumentary withsomeshippingdocuments likebilloflading insurancepolicy invoice forcollectingimportandexportgoods Sight Demand Bill Time Usance Bill即期 远期Sight requiringthedraweetopaythebillondemandoratsight Time requiringthedraweetoaccept 承兑 itfirstandpayitatafixedordeterminablefuture At daysaftersightAt daysafterdraftAtfixeddateinthefuture 1 2PromissoryNote APromissoryNoteisanunconditionalpromiseinwritingmadebyonepersontoanothersignedbythemaker engagingtopay ondemandoratafixedordeterminablefuturetime asumcertaininmoney to ortotheorderof aspecifiedpersonortobearer 本票是由一人向另一人签发的 保证在见票时或在指定的或可确定的将来某一日期 支付一定的金额给特定的人或其指定的人或持票人的无条件书面承诺 Themaindifferencebetweenapromissorynoteandadraftliesinthattherearethreeparties namelydrawer draweeandpayeeinvolvedinadraftbutonlytwo drawerandpayeeinapromissorynote 1 3Cheque Achequeisanunconditionalorderinwritingdrawnonabankersignedbythedrawer requiringthebankertopayondemandasumcertaininmoneyto ortotheorderof aspecifiedperson ortobearer 支票是出票人签发的 委托办理支票存款业务的银行或者其他金融机构在见票时无条件支付确定的金额给收款人或者持票人的票据 出票人一般为企业 2 MajorModesofPaymentinInternationalTrade2 1Remittance汇付 Thepayerinstructshisbankorotherinstitutionstohaveapaymentmadetothepayee Thisisoftenadoptedinthosesalesunderthetermsofcashinadvance orcashondelivery 汇付 又称汇款 是付款人通过银行 使用各种结算工具将货款汇交收款人的一种结算方式 Partiesinvolvedinremittance Remitter付款人 汇款人Payee收款人Remittingbank汇出行Payingbank汇入行 2 2Collection托收 Wherefundsarenotrequiredimmediately theymaybehandedbyandexportertohisbankforcollection Theexporteraskshisbanktoarrangefortheacceptanceorpaymentofthebilloverseas andthebankwillcarryouthistaskthroughitsownbranchofficeabroadoracorrespondingbank 托收 Collection 是出口人在货物装运后 开具以进口方为付款人的汇票 委托出口地银行通过它在进口地的分行或代理行代出口人收取货款一种结算方式 2 3LetterofCredit Theletterofcredit isaletteraddressedtotheseller writtenandsignedbyabankactingonbehalfofthebuyer inwhichthebankpromisestopayoracceptdraftsdrawnonitselfifthesellerconformsexactlytotheconditionssetforthintheletterofcredit 是指开证银行应申请人的要求并按其指示向第三方开立的载有一定金额的 在一定的期限内凭符合规定的单据付款的书面保证文件 信用