ch09 Terms of Payment

1、Unit 9 Terms of Payment Lecturer: YangweiUnit 9 Terms of PaymentPart Part Payment Payment1 1 支付方式的种类支付方式的种类1.1 Remittance1.1 Remittance汇付汇付1.2 Collection 1.2 Collection 托收托收 D/PD/P - D/P at sight - D/P at sight 即期付款交单即期付款交单 - D/P after sight - D/P after sight 远期付款交单远期付款交单 D/AD/A - D/A after sight -

2、D/A after sight 远期承兑交单远期承兑交单2SHOU YangweiUnit 9 Terms of Payment3SHOU YangweiUnit 9 Terms of Payment4SHOU YangweiUnit 9 Terms of Payment1.3 L/C1.3 L/C 可能涉及到的有关各方可能涉及到的有关各方: P152: P152 种类种类: P152: P152 流程流程: P152: P1521.4 Factoring (del credere agent)1.4 Factoring (del credere agent)- - 出口商和收债公司安排收取远

3、期货款的方法。出出口商和收债公司安排收取远期货款的方法。出口商将收款权转让给收债公司，据此，出口商即口商将收款权转让给收债公司，据此，出口商即获货款，但向后者支付贴现费以及手续费，而收获货款，但向后者支付贴现费以及手续费，而收债公司则对收款和呆帐负全责。债公司则对收款和呆帐负全责。5SHOU YangweiUnit 9 Terms of Payment2 L/C2 L/C2.1 2.1 进口商申请开立不可撤销跟单信用证申请书进口商申请开立不可撤销跟单信用证申请书- - 例函两篇例函两篇2.2 2.2 出口商告知进口商所要求的支付方式出口商告知进口商所要求的支付方式- P154,P164,P16

4、5- P154,P164,P1652.3 2.3 进口商通知出口商信用证已开立进口商通知出口商信用证已开立- P153- P1532.4 2.4 银行通知出口商信用证已开立银行通知出口商信用证已开立- P157,P159- P157,P1596SHOU YangweiUnit 9 Terms of Payment2.5 2.5 信用证的式样信用证的式样- P156 (- P156 (回答几个问题回答几个问题) ) - - 信用证是否可以撤销信用证是否可以撤销 - - 是即期还是远期是即期还是远期 - - 是否允许转船或分装是否允许转船或分装 - - 对提单有何要求对提单有何要求 - - 议付时

5、需要提供哪些单据议付时需要提供哪些单据 - - 以何作为解决信用证可能产生争议的依据以何作为解决信用证可能产生争议的依据- P158- P1587SHOU YangweiUnit 9 Terms of Payment课后习题课后习题 ( (支付方式支付方式) ). Translate the following sentences into English: P163. Translate the following sentences into English: P1631. 1. 请注意，付款是以保兑的、不可撤销的、允许分装和转船、请注意，付款是以保兑的、不可撤销的、允许分装和转船、见票即

6、付的信用证支付。见票即付的信用证支付。Please be informed that payment is to be made by confirmed, irrevocable and sight Please be informed that payment is to be made by confirmed, irrevocable and sight L/C, allowing partial shipments and transshipment.L/C, allowing partial shipments and transshipment.8SHOU YangweiUnit

7、 9 Terms of Payment2. 2.我们的付款方式，一般是以保兑的、不可撤销我们的付款方式，一般是以保兑的、不可撤销的、以我公司为受益人的、按发票金额见票即的、以我公司为受益人的、按发票金额见票即付的信用证支付。该信用证应通过我们认可的付的信用证支付。该信用证应通过我们认可的银行开出。银行开出。Our usual terms of payment are by confirmed and irrevocable L/C in Our usual terms of payment are by confirmed and irrevocable L/C in our favor, a

8、vailable by sight draft (at sight) for full invoice value to be our favor, available by sight draft (at sight) for full invoice value to be issued/established/opened by a bank we recognize.issued/established/opened by a bank we recognize.9SHOU YangweiUnit 9 Terms of Payment3. 3.我们通常的做法是凭即期付款交单而不是信用我

9、们通常的做法是凭即期付款交单而不是信用证。因此，我们希望你对这笔交易和今后交易证。因此，我们希望你对这笔交易和今后交易也接受付款交单方式。也接受付款交单方式。Our usual terms of payment are by D/P at sight rather than by L/C. Our usual terms of payment are by D/P at sight rather than by L/C. Therefore, we advise you to accept this kind of payment for the present Therefore, we a

10、dvise you to accept this kind of payment for the present and subsequent transactions.and subsequent transactions.10SHOU YangweiUnit 9 Terms of Payment4. 4.对你方对你方11561156号定单，我们可以接受你们所提的用号定单，我们可以接受你们所提的用远期汇票支付的建议。货物装出后，我们将向远期汇票支付的建议。货物装出后，我们将向你方开出你方开出60 60天期的汇票，请到期即付。天期的汇票，请到期即付。As regards your order

11、No.1156, we will accept your proposal for terms As regards your order No.1156, we will accept your proposal for terms of payment by draft after sight. After the goods are shipped, we will of payment by draft after sight. After the goods are shipped, we will draw a 60d/s draft/bill on you and please

12、honor the draft when it is draw a 60d/s draft/bill on you and please honor the draft when it is due/falls due.due/falls due.11SHOU YangweiUnit 9 Terms of Payment5. 5.为了你方在你市场推销我方产品铺平道路，我为了你方在你市场推销我方产品铺平道路，我方将接受即期付款交单方式付款，以示特别照方将接受即期付款交单方式付款，以示特别照顾。顾。To pave the way for your promoting our products in

13、 your market, we To pave the way for your promoting our products in your market, we will accept your terms of payment/payment by D/P at sight as a special will accept your terms of payment/payment by D/P at sight as a special favor.favor.12SHOU YangweiUnit 9 Terms of Payment6. 6.你方以付款交单方式付款的要求，我方已予以

14、你方以付款交单方式付款的要求，我方已予以考虑。鉴于这笔交易金额甚微，我们准备以此考虑。鉴于这笔交易金额甚微，我们准备以此方式办理装运。方式办理装运。We are giving your request for payment by D/P our careful We are giving your request for payment by D/P our careful consideration. By virtue of/In view of the small amount of the consideration. By virtue of/In view of the smal

15、l amount of the transaction, we will effect shipment on a D/P basis.transaction, we will effect shipment on a D/P basis.13SHOU YangweiUnit 9 Terms of PaymentPart Part Urging Establishment of L/C Urging Establishment of L/C1 1 背景知识背景知识 信用证开出并到达出口商的时间，一般应为所规定的装信用证开出并到达出口商的时间，一般应为所规定的装运期前一个月运期前一个月 此类催开

16、信用证信函的写法：一般都会援引合同的规定此类催开信用证信函的写法：一般都会援引合同的规定 - - 第一封和第二封催开信函的不同：第一封和第二封催开信函的不同：P166P166 - - 写作步骤写作步骤: - good news: goods are ready - good news: goods are ready - reasons for this letter - reasons for this letter - demand - demand - assurance of prompt shipment - assurance of prompt shipment14SHOU Ya

17、ngweiUnit 9 Terms of Payment2 2 例函例函- P167 (- P167 (回复函回复函P168)P168)- P169- P169- P175- P17515SHOU YangweiUnit 9 Terms of Payment课后习题课后习题( (催开信用证催开信用证) ). Translate the following sentences into English and then turn them into telex . Translate the following sentences into English and then turn them

18、into telex messages: P174messages: P1741. 1. 第第268268号合约项下的号合约项下的800800辆自行车备妥待运已久，但至今我们辆自行车备妥待运已久，但至今我们尚未收到你们的有关信用证。请速开来，以便装运。尚未收到你们的有关信用证。请速开来，以便装运。The 800 bicycles against/under Contract No.268 have been ready for shipment for The 800 bicycles against/under Contract No.268 have been ready for ship

19、ment for quite some time, but we havent hitherto received the covering L/C/ up to the present quite some time, but we havent hitherto received the covering L/C/ up to the present and please open it promptly in order to effect shipment.and please open it promptly in order to effect shipment.16SHOU Ya

20、ngweiUnit 9 Terms of Payment2. 2. 如你方信用证在月底前到达我处，我们将尽最大努力在下如你方信用证在月底前到达我处，我们将尽最大努力在下月初安排装运你们所订的货。月初安排装运你们所订的货。 We will exert our efforts to effect shipment for your order at the beginning of next We will exert our efforts to effect shipment for your order at the beginning of next month, if your L/C

21、reaches here at the end of this month.month, if your L/C reaches here at the end of this month.17SHOU YangweiUnit 9 Terms of Payment3. 3. 由于你方没有及时开立有关第由于你方没有及时开立有关第10331033号售货确认书的信用证，号售货确认书的信用证，我们不得不撤销这份确认书，并要你方负担由此而产生的我们不得不撤销这份确认书，并要你方负担由此而产生的一切损失。一切损失。 We have to rescind/recall the S/C No.1033 and

22、 all losses thereof will be borne by you, We have to rescind/recall the S/C No.1033 and all losses thereof will be borne by you, because you didnt open the covering L/C against the S/C in time.because you didnt open the covering L/C against the S/C in time.18SHOU YangweiUnit 9 Terms of Payment4. 4.

23、你方可能记得，按照我方第你方可能记得，按照我方第321321号售货确认书规定，有关号售货确认书规定，有关信用证应不迟于信用证应不迟于1111月月1515日到达我处。因此，希望你方及时日到达我处。因此，希望你方及时开证，以免耽误装运。开证，以免耽误装运。You may recall that the relevant L/C should reach here not later than Nov 15th You may recall that the relevant L/C should reach here not later than Nov 15th according to the

24、 stipulations in our S/C No.321. Therefore, it is hoped that you will according to the stipulations in our S/C No.321. Therefore, it is hoped that you will open it in time in order not to delay shipment.open it in time in order not to delay shipment.19SHOU YangweiUnit 9 Terms of Payment5. 5. 我们想指出，我

25、方第我们想指出，我方第112112号售货确认书号售货确认书( (你方第你方第48314831号定号定单单) )项下的货物备妥待运已久，我们一直在等候你方的信项下的货物备妥待运已久，我们一直在等候你方的信用证，可是很遗憾，我们既没有收到该信用证也没有从你用证，可是很遗憾，我们既没有收到该信用证也没有从你处听到有关这方面的任何消息。请见信后即告你方在开立处听到有关这方面的任何消息。请见信后即告你方在开立信用证上究竟有何困难。信用证上究竟有何困难。It is to be pointed out that the goods under our S/C No.112 (Your Order No.48

26、31) It is to be pointed out that the goods under our S/C No.112 (Your Order No.4831) have been ready for quite some time and we have been waiting for your L/C; however have been ready for quite some time and we have been waiting for your L/C; however to our regret, we havent received it or heard any

27、 news from you. Please inform us to our regret, we havent received it or heard any news from you. Please inform us your difficulty in opening the credit.your difficulty in opening the credit.20SHOU YangweiUnit 9 Terms of PaymentPart Part L/C Amendment and Extension L/C Amendment and Extension1 1 背景知

28、识背景知识1.1 1.1 信用证修改的原因及流程信用证修改的原因及流程- - 卖方（出口商）在审证时发现其中的条款与合同不符，此时出口商应卖方（出口商）在审证时发现其中的条款与合同不符，此时出口商应先通知进口商并要求其通知银行进行改证先通知进口商并要求其通知银行进行改证- - 买方（进口商）在信用证开出后，如发现有必要修改其条款，须先征买方（进口商）在信用证开出后，如发现有必要修改其条款，须先征得出口商同意得出口商同意1.2 1.2 信用证展期的原因信用证展期的原因-规定的装运期到期日和信用证的到期日之间一般有规定的装运期到期日和信用证的到期日之间一般有10151015天的时间间天的时间间隔，

29、若没有这样特定期限，应以货运单据装运日期后的隔，若没有这样特定期限，应以货运单据装运日期后的21 21天内交单议天内交单议付有效，但不能超过信用证的议付有效期。超过付有效，但不能超过信用证的议付有效期。超过21 21天的，银行可拒绝天的，银行可拒绝议付单据。议付单据。- - 因为各种原因致使信用证如没有如期到达，此时出口商要求展期，一因为各种原因致使信用证如没有如期到达，此时出口商要求展期，一般包括装运期和信用证的到期日般包括装运期和信用证的到期日21SHOU YangweiUnit 9 Terms of Payment2 2 例函例函- P186: - P186: 要求改证要求改证P187P

30、187（同意改证）（同意改证）- P177: - P177: 要求展期要求展期P178P178（解释不能展期的原因）（解释不能展期的原因）P179P179（继续说明展期的必要性）（继续说明展期的必要性）22SHOU YangweiUnit 9 Terms of Payment课后习题课后习题( (信用证的修改和展期信用证的修改和展期) ). Translate the following sentences into English: P184. Translate the following sentences into English: P1841. 1. 你方你方45674567号信用证

31、条款中，我们发现有下列两点与合同条号信用证条款中，我们发现有下列两点与合同条款不符：款不符： (1) (2)(1) (2) 货已备妥待运，请即电报修改你方信用证。货已备妥待运，请即电报修改你方信用证。There are the following two discrepancies in your L/C No.4567, which dont conform There are the following two discrepancies in your L/C No.4567, which dont conform to/with the terms in the S/C.to/with

32、 the terms in the S/C.The goods are ready for shipment and please amend your L/C promptly by cable.The goods are ready for shipment and please amend your L/C promptly by cable.23SHOU YangweiUnit 9 Terms of Payment2. 2. 现通知，你方通过利物浦麦加利银行开出的有关我方第现通知，你方通过利物浦麦加利银行开出的有关我方第187187号售货确认书的信用证第号售货确认书的信用证第H-15H

33、-15号刚刚收到。经审阅其中的号刚刚收到。经审阅其中的条款，我们遗憾地发现某些地方与合同规定的条款不符，条款，我们遗憾地发现某些地方与合同规定的条款不符，其不符之处如下：其不符之处如下：Please be informed that we have just received your L/C No.H-15 issued by the Please be informed that we have just received your L/C No.H-15 issued by the Chartered Bank in Liverpool against/under/covering ou

34、r S/C No.187. On examination, Chartered Bank in Liverpool against/under/covering our S/C No.187. On examination, we regret to find the following discrepancies which dont abide by the stipulations in we regret to find the following discrepancies which dont abide by the stipulations in the S/C.the S/C

35、. 24SHOU YangweiUnit 9 Terms of Payment(1) (1) 佣金就是佣金就是3%3%，而不是，而不是6%6%。(2) (2) 货物应于货物应于10 10月月11 11月之间装运，而不是月之间装运，而不是10 10月月30 30日或日或30 30之前装运。之前装运。(3) (3) 货物按发票价值的货物按发票价值的110%110%投保保险，不是投保保险，不是150%150%。(1) Commission is 3% instead of 6%.(1) Commission is 3% instead of 6%.(2) Shipment is to be arra

36、nged/effected during Oct/Nov, instead of “on or before Oct (2) Shipment is to be arranged/effected during Oct/Nov, instead of “on or before Oct 30th ”30th ”(3) Insurance is to be covered for 110% of the invoice value instead of 150%.(3) Insurance is to be covered for 110% of the invoice value instea

37、d of 150%.25SHOU YangweiUnit 9 Terms of Payment3. 3. 请把你方请把你方47614761号信用证的装船期和有效期分别展至号信用证的装船期和有效期分别展至11 11月月30 30日日和和12 12月月15 15日，并注意修改通知书要在日，并注意修改通知书要在10 10月月30 30日前到达我处，日前到达我处，否则我方绝不可能在否则我方绝不可能在11 11月份装运。月份装运。Please extend your L/C No.4761 to Nov 30th and Dec 15th for time of shipment and Please

38、extend your L/C No.4761 to Nov 30th and Dec 15th for time of shipment and validity respectively. Please be informed that the amendment advice should reach us validity respectively. Please be informed that the amendment advice should reach us by Oct 30th, otherwise it will be absolutely impossible fo

39、r us to effect shipment during by Oct 30th, otherwise it will be absolutely impossible for us to effect shipment during November.November.26SHOU YangweiUnit 9 Terms of Payment4. 4. 十分遗憾，我们不能按你方要求把我方第十分遗憾，我们不能按你方要求把我方第145145号信用证展期。因号信用证展期。因为目前进口规章不允许延长进口许可证的有效期。我们要指出，为目前进口规章不允许延长进口许可证的有效期。我们要指出，这不是我们

40、不愿与你方合作，而是没有能力满足你方展期的要这不是我们不愿与你方合作，而是没有能力满足你方展期的要求。在此情况下，我们别无他法，只得请你方按合同规定装运。求。在此情况下，我们别无他法，只得请你方按合同规定装运。To our much regret, we are unable to extend our L/C No.145 in light of your request, To our much regret, we are unable to extend our L/C No.145 in light of your request, because the present impor

41、t regulations dont allow any extension of import license. It is to be because the present import regulations dont allow any extension of import license. It is to be pointed out that it is not that we dont cooperate with you but that we cant meet your pointed out that it is not that we dont cooperate

42、 with you but that we cant meet your demand. Under the circumstances, we have no choice but to ask you to effect shipment as demand. Under the circumstances, we have no choice but to ask you to effect shipment as stipulated. / can do nothing but ask you to effect shipment as stipulated.stipulated. /

43、 can do nothing but ask you to effect shipment as stipulated.27SHOU YangweiUnit 9 Terms of Payment5. 5. 在我方第在我方第135135号合约内明确规定该笔交易的佣金为号合约内明确规定该笔交易的佣金为3%3%。但发。但发现你方第现你方第557557号信用证要求佣金号信用证要求佣金5%5%，这显然与合约条款不，这显然与合约条款不符。为此，请通知你方银行把信用证修改为佣金符。为此，请通知你方银行把信用证修改为佣金3%3%，不胜，不胜感激感激。We find that your L/C No.557

44、claims a commission of 5%, which obviously We find that your L/C No.557 claims a commission of 5%, which obviously contradicts (with) the stipulation of 3% in our S/C No.135. Therefore, we will contradicts (with) the stipulation of 3% in our S/C No.135. Therefore, we will appreciate if you instruct

45、your bank to amend the L/C concerning the commission appreciate if you instruct your bank to amend the L/C concerning the commission terms.terms.28SHOU YangweiUnit 9 Terms of Payment6. 6. 收到你方收到你方789789号信用证，谢谢。经核对条款，我们遗憾地发号信用证，谢谢。经核对条款，我们遗憾地发现你方信用证要求现你方信用证要求10 10月份装运，但我方合约规定月份装运，但我方合约规定11 11月份装月份装运。

46、因此，务请把装运期和议付期分别展至运。因此，务请把装运期和议付期分别展至11 11月月30 30日和日和12 12月月15 15日。请即办理展证事宜，并尽早电复。日。请即办理展证事宜，并尽早电复。We thank you for your L/C No.789. On examination, we regret to find that your L/C We thank you for your L/C No.789. On examination, we regret to find that your L/C requires shipment in October, which do

47、esnt conform to/with the stipulation of our requires shipment in October, which doesnt conform to/with the stipulation of our S/C for shipment in November. Therefore, please extend your L/C to November 30th S/C for shipment in November. Therefore, please extend your L/C to November 30th and December

48、 15th for time of shipment and negotiation respectively. Please extend and December 15th for time of shipment and negotiation respectively. Please extend promptly and reply by cable at your earliest mptly and reply by cable at your earliest convenience.29SHOU YangweiUnit 9 Terms of Pa

49、yment补充习题：补充习题：1. Translate the following L/C stipulations into Chinese1. Translate the following L/C stipulations into Chinese(1)(1)Provided such drafts are drawn and presented in accordance with the terms of this credit, we Provided such drafts are drawn and presented in accordance with the terms

50、of this credit, we hereby engage with the drawers, endorsers and bona-fide holders that the said drafts shall be hereby engage with the drawers, endorsers and bona-fide holders that the said drafts shall be honored on presentation.honored on presentation.凡根据本信用证的条件开出并提示的汇票，本行保证对出票人，凡根据本信用证的条件开出并提示的汇

51、票，本行保证对出票人，背书人及善意持有人履行付款义务。背书人及善意持有人履行付款义务。(2) Transshipment is permitted at any port against through bill of lading.(2) Transshipment is permitted at any port against through bill of lading.只要符合提单的规定，在任何港口都可以转船。只要符合提单的规定，在任何港口都可以转船。30SHOU YangweiUnit 9 Terms of Payment(3) Draft (s) drawn under this

52、 credit must be negotiated in China on or before when this credit (3) Draft (s) drawn under this credit must be negotiated in China on or before when this credit expires.expires.此信用证的汇票必须在到期日或之前在中国议付。此信用证的汇票必须在到期日或之前在中国议付。(4) Documents must be presented for negotiation within days after the on-board date of bills of (4) Documents must be presented for negotiation within days after the on-board date of