Unit-9-Payment-and-LC-支付与信用证课件

1、 外贸英文函电Chapter 9 Payment and L/C 外贸英文函电Chapter 9 Payment aObjectives Upon completion of this chapter, the students will: understand the flow chart of L/C. be able to urge the opening of the relative L/C. be able to check the L/C. be able to make the amendment by business letter ReturnObjectives Upon

2、 completion oLead inIn international trade, payment is very complicated. The sellers and buyers run certain risks of non-payment or non-delivery. Who can be entrusted (委托）to make guarantee? the bankLead inIn international trade,Lead inPayment instruments in our daily life: cash card (刷卡） credit (赊账）

3、* cheque (支票）Lead inPayment instruments in Lead inPayment instruments in international trade:Cheque 支票 (seldom used ) Promissory notes 本票Bills of exchange / draft 汇票 (the most popular)Lead inPayment instruments in Cheque 支票RCheque 支票RPromissory Note 本票RPromissory Note 本票RBill of Exchange 汇票RBill of

4、Exchange 汇票RLead inWhat are the major modes of payment in international trade ? L/C 信用证 Collection 托收 Remittance 汇款Lead inWhat are the major modeIntroductionA). Remittance 汇款 Mail Transfer M/T 信汇 Telegraphic Transfer T/T 电汇 demand draft D/D 票汇B). Collection 托收 Documents against payment D/P 付款交单 Docu

5、ments against Acceptance D/A 承兑交单IntroductionA). Remittance 汇IntroductionC). Letter of Credit L/C 信用证 Irrevocable L/C 不可撤销信用证 Confirmed L/C 保兑信用证 Divisible L/C 可分割信用证 Transferable L/C 可转让信用证 Sight L/C 即期信用证 Time /Usance L/C 远期信用证 Anticipatory L/C 预支信用证 Revolving L/C 循环信用证 Clean L/C 光票信用证 Documentary

6、 L/C 跟单信用证 Back-to-back L/C 转开信用证 Standby L/ C 备用信用证Confirmed, irrevocable documentary L/C is the most popular for the sellerIntroductionC). Letter of Cred汇款(Remittance)是指进口人按约定的条件和时间将货款通过银行付给出口人的支付方式。 买卖双方能否履行合同，完全取决于彼此的信用, 并不涉及银行的信用，因此它纯属商业信用 汇款(Remittance)是指进口人按约定的条件和时间将货信汇是进口人将汇款及手续费交付给汇款地的一家银行(

7、汇出行)，委托该银行利用信件转托受款人所在地的银行(汇入行)，将货款付给出口人。电汇是指进口人将汇款及手续费付给当地一家银行(汇出行)，要求该银行用电传或电报通知其国外受款人所在地的分支行 (汇入行)将汇款付给出口人。 票汇是进口人向其当地银行(汇出行)购买银行即期汇票，并直接寄给出口人，出口人收到该汇票即可凭以向指定的付款银行取款。 信汇是进口人将汇款及手续费交付给汇款地的一家银行(汇出行)，D/P 付款交单, 即进口方付款后，出口方才向银行提交单据，进口方才能向代收银行领取单据。D / A 承兑交单，所谓“承兑”就是进口方在代收银行提示远期汇票时，对汇票的认可行为，进口方于汇票到期日凭票付

8、款，出口方才向银行提交单据。Which is better? (D / P is better than D / AD/P 付款交单, 即进口方付款后，出口方才向银行提交单据，Which mode of payment is the safest and the most reliable for the interest of seller? And why? The L/CComparison of modes of payment Which mode of payment is the sComparison of modes of payment在汇款和托收付款方式中，银行职能只做托

9、收和汇付的工作，对进口商不付货款不予负责；纯属双方公司的商业信用，所以相对来说，冒有一定风险 而在信用证的情况下，负付款责任的是开证行, 只要所提供的单据与信用证的规定完全相符，即使是买方倒闭，货价下跌，银行都得付款.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。Comparison of modes of paymentIntroductionWhat i

10、s L/C? (谁委托谁，干什么）The credit is a letter issued by a bank at the request of the importer in which the bank promises the seller to pay买卖双方互不信任，就由比较权威的银行出面，做居中担保人。按照进口商的要求银行向出口商开出一份承诺付款的担保性的文件 国际贸易最常用的支付方法是L/C, 这是一种可靠又安全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。 The buyer is the Applicant for opening (applicant 开

11、证申请方). The bank who established the L/C is Issuing Bank (Opening Bank开证行). IntroductionWhat is L/C? (谁委托谁IntroductionParties of L/CApplicant 开证申请人 (买方）Issuing Bank 开证行 （买方委托开立信用证的银行）Advising Bank 通知行 （卖方指定的通知信用 证已到的银行）Beneficiary 受益人（卖方）Negotiating Bank 议付行 （卖方交单的银行，银行将单据审核之后把单据寄到国外银行请求付款，有时与通知行是同一银

12、行 ）Paying Bank 付款行 （信用证的开证行） Confirming Bank 保兑行 （与通知行是同一银行）IntroductionParties of L/C send Contract Apply to open credit Send Credit Credit advice/notification 信用证通知Procedure of L/C 开证程序 send ContractProcedure of L/开证的程序始于买方，他通知他的往来银行开立以卖方为受益人的信用证，并以购货的金额为该信用证金额。买方的往来银行（开证行）把信用证寄给他在卖方国家的往来银行，告知信用证金

13、额、受益人为谁、所使用的货币、必备单证以及其他特定要求。信用证到达后，该往来行通知卖方，该信用证已收到。有时，卖方要求保兑信用证，在这种情况下，该往来行通常自己保兑，成为保兑行，并把由他保兑的情况通知卖方，卖方是按信用证所列要求发货。Cash against delivery开证的程序始于买方，他通知他的往来银行开立以卖方为受益人的信Unit-9-Payment-and-LC-支付与信用证课件脑筋急转弯只有三根头发为什么还要拔掉一根？(宴会要求穿正装,梳中分头)什么情况下，每个人都会主动地发挥赴汤蹈火精神？ (吃火锅的时候)便秘的前因 (打一个外国明星名字) ? (史泰龙-屎太浓)脑筋急转弯只

14、有三根头发为什么还要拔掉一根？Sample letter 1 on P1571. What is referred to at the beginning of the letter? 2.Whats the purpose of the letter?3. What s the past payment terms? Why did the buyer ask to change it? 4. What request did the buyer make to the seller?5. What expectation did the buyer make in the end?Samp

15、le letter 1 on P1571. WhatStructure of the letter:Referring to the sales confirmationPurpose - To propose an easier payment arrangementReason for changing payment termsRequest - agree to pay it by either C/D or D / PExpectation - Consideration of the request, early replyStructure of the letter:Sampl

16、e letter 3 on P1591. What should be referred to first in the letter ? 2. Whats the purpose of this letter? 3. What request did the seller make 4. What expectation did the seller make in the end? Sample letter 3 on P1591. WhatStructure of the letterReferring to the goods and delivery datePurpose - As

17、k the buyer to speed up the opening of the L/CRequest- Please see to it that the L/C stipulations are in exact accordance with the terms of the contractExpectation- favorable newsStructure of the letterSample letter 6 on P1621. What is received ?2. What problem is found in the L/C?3. What request di

18、d the seller make? And why?4. What expectation did the seller make? Sample letter 6 on P1621. WhatStructure of the orderReceipt of. ( L/C issued by.for the amount of.covering.)Request and reason - (amend the L/C to read.)Expectation. (amendment without delay )Structure of the orderReceipt Sample let

19、ter 7 on P163 :Reading questions: 1. What is received?2. What regret did the seller have? And why?3. What request did the seller make?4. What expectation did the seller make? Sample letter 7 on P163 :ReadiStructure of the letter: Receipt of.Regret and reason. (cant ship the goods by the end of July

20、because of the delay of your L/C)Request- extend the shipping date and credit validity for one monthExpectation . replyStructure of the letter: ReceiUseful Expressions句型一 Ask for easier terms of payment)Referring to your S/C Numberforin the amount of, we suggest that you adopt we propose either.or.

21、we would appreciate it if you agree to. 套用句型中译英：1. 关于你方345号销售确认书销售软钢板，总金额为100000美元，我方建议贵方采纳T/T . / 我方提议要么采用货到后凭单付现要么采用付款交单2. 关于你方123号销售合同销售印花棉，总金额为1000美元，若贵方同意D/D，我们将非常感激。Useful Expressions句型一 Ask for 句型二 How to express the reason for easier paymentConfirmed, irrevocable L/C has cost us a great deal

22、. From the time credit is opened until the time our buyers pay us, the tie-up of our funds lasts about months. This situation is particularly taxing owing to the tight money conditions and unprecedentedly high bank interest rate.中译英：句型二 How to express the reason 句型三： How to express urging establishm

23、ent of L/C and the reason 产品With reference to .under our S/C No., we wish to remind you that the date of delivery is approaching, but we still have not received your covering L/C. Please expedite the opening / establishment of the L/C so that we can ship the order in time. execute the order smoothly

24、中译英：关于我方234号销售合同下的4000吨软钢板，我方想提醒贵方交货期临近，但是我们依然没有收到你方相关信用证。请加快开立信用证以便我方及时发货 / 顺利执行订单句型三： How to express urging est句型四 How to express asking for the amendment of L/C and the reasonWe have received your L/C No., we find that Please amend the L/C to read “.” , as direct steamers to your port are not ava

25、ilable / are few and far between. We often have to ship via Hongkong. It would be to mutual benefit to use partial shipment because we could ship immediately whatever we have on hand instead of waiting for the whole lot to be completed.中译英：我方已收到你方234号信用证，我们发现“不允许转运和分批装运”，请修改信用证为“允许转运和分批装运”。因为。句型四 Ho

26、w to express asking for 句型五： How to express asking for the extension of L/C and the reason.We regret that we could not ship the goods by the end ofbecause of the delay of your L/C. We would ask that you extend the shipping date and credit validity for / until . Respectively中译英：很遗憾我方不能在十月底之前发货因为你方延误开

27、立信用证， 我方请求贵方将船期和信用证有效期分别延期一个月/分别延期至十一月底 句型五： How to express asking fo三字循环游戏，真有趣。看谁最有才。 做人难，人难做，难做人。读死书，死读书，读书死 。大头鬼，大鬼头，鬼头大放狗屁，放屁狗，狗放屁。没有钱，钱没有，有钱没？我爱你，你爱我，爱你我。不怕辣，辣不怕，怕不辣。三字循环游戏，真有趣。看谁最有才。 做人难，人难做，难做人。求婚也幽默最佳露骨奖：让我们合法地结合吧！ 最佳好奇奖：我不知道人类为什么得结婚？！不如让我们一起研究看看吧！ 最佳直接奖：让我葬在你们家祖坟吧！ 最佳直销奖：你愿不愿意带我回家当你的生活必需品？

28、最佳柔情奖：喜欢，就是淡淡的爱。爱，就是深深的喜欢。我希望以后可以不用送你回家，而是我们一起回我们的家。 最佳变态奖：哦，看你骂我时，似乎有很大的快感！如果你想天天享受这种感觉，就嫁给我吧！ 求婚也幽默最佳特技奖：你愿意嫁给我吗？如果愿意请站着举高双手，如果不愿意，请站着举高双腿。 最佳cool man奖：我欠一个人管我。 最佳信徒奖：你想这辈子嫁给我还是下辈子呢？ 最佳创意奖：什么时候才要把我娶回家？我房间的东西都快全搬到你家去了. 最佳保健奖：今年你再不娶我，明年我就开始有恐婚症喽！ 最佳告解奖：请你终结我的桃花运吧！ 最佳战俘奖：求饶，我投降了！只要你天天给我口饭吃。 最佳影迷奖：甜心，

29、帮我签个名吧。(签在户口簿的配偶栏) 最佳特技奖：你愿意嫁给我吗？如果愿意请站着举高双手，如果不愿作文写一篇关于爱情的文章要求：1、语言简洁 2、故事必须以悲剧结尾3、不限字数内容： 嫁给我好吗？ “滚！作文写一篇关于爱情的文章要求：笑话 1.小子，你是姐姐我的人了，今儿就跟我去挂个 牌吧！ 2.我们分手吧！男：（坚决反对）女：不答 应分手？那好，我们离婚！男：（弱 弱地说，我们还没有结婚呢！）女：那好，咱 们先把结婚手续办一下吧！ 3.听说现在结婚很便宜，民政局9块钱搞定，我请 你吧！笑话 1.小子，你是姐姐我的人了，今儿就跟我去挂个 cash n. 现金Cash against Docum

30、ents (C/D) 凭单证付款Cash against Delivery 货到付款cash n. 现金Cash against DocumL/C 常用搭配L/Ccovering/regardingfor / in the amount ofin favor offor one accountwith/through+goods+ amount+beneficiary以某方为付款人+ issuing bankL/C 常用搭配L/Ccovering/regarding+L/C 常用搭配Please open an L/C covering twenty metric tons of apples

31、 for the amount of USD 20,000. We opened an L/C in your favor through the Citi Bank this morning. 请开立20公吨苹果的信用证，金 额为2万美元。今早，我们经由花旗银行开立了一个以你方为受益人的信用证。L/C 常用搭配Please open an L/C covL/C 常用搭配Today we have opened an irrevocable L/C in your favor for the amount of US$ 9000 covering our Order No.3422 with

32、the Bank of China, Dalian. 我们今天通过中国银行大连分行就第3422号定单开立了以你方为受益人的不可撤消信用证，金额为9千美元。 L/C 常用搭配Today we have opened aL/C 常用搭配今天，我方收到由美国花旗银行开出的以你方为付款人的金额为3500美元的信用证。 We received an L/C for the amount of USD 3,500 for your account with/through the Citi Bank this morning. ReturnL/C 常用搭配今天，我方收到由美国花旗银行开出的以你方为付Cho

33、ice of Terms of Payment1) payment by L/C 用信用证付款We adopt payment by L/C. 我们采用信用证付款方式。2) payment under terms 按方式付款We regret that we are unable to consider payment under D/A terms.很遗憾我们不能考虑按承兑交单方式付款。Choice of Terms of Payment1) pChoice of Terms of Payment3) payment onbasis 按方式付款We are prepared to accep

34、t payment for your trial order on D/P basis.对你方这批试订购的货物，我们准备接受付款交单方式付款。 4) make an exception to accept破例接受In view of our long business relation, we will make an exception to accept L/C at 30 days (after) sight.Choice of Terms of Payment3) Choice of Terms of Payment5)as a special accommodation，we agr

35、ee to.作为特殊照顾, 我们同意。As a special accommodation, we agree to your proposal and accept payment by D/P at sight作为特殊照顾，我们同意你方建议接受即期付款交单。Choice of Terms of Payment5)asKey to I on P164（9）由于你方第123号订单下的货物已备妥有相当长的时间，所有你方有必要立即采取行动，尽快开出有关信用证(11)按照贵方要求，我们破例地接受即期付款交单的支付方式，但下不为例。(12)抱歉，我方不能接受货到后凭单付现的支付条件。(13)我方想重申

36、一下，只是鉴于我们之间长期友好的贸易关系，我方才给贵方这样的宽限。(14)信用证中的规定似乎与合同的条款不一致。我方特此于今天下午电告你方，要求将信用证修改为：允许转运和分批装运Key to I on P164（9）由于你方第123号订单Key to II on P166(1)expedite/rush an L/C(2) D/A(3) confirmed, irrevocable, transferable Letter of Credit(4) amend the L/C to read “”(5) D/P after sight (6) establish/issue/open L/C

37、with/through a bank (7) advise the establishment of L/C (8)conform to Key to II on P166(1)expedite/ (9)Please try to expedite L/C, so that we may execute the order smoothly. (10)In order to avoid subsequent amendment, please see to it that the L/C stipulations are in exact accordance with the terms

38、of the contract.(11)We will be appreciated if you will cable the amendment to the L/C without delay, as our goods have been ready for shipment for quite some time.(14) Our terms of payment are by confirmed, irrevocable L/C at sight(15) We enclose an application form for documentary L/C. Please estab

39、lish an irrevocable L/C for the amount of US $40000 in favour of ABC Co.It is valid until June 15 (9)Please try to expedite L/III on P167Dear Sir,With reference to the 2000 sets of air conditioners under your order No.899, we wish to remind you that the date of delivery is approaching, but we still

40、have not received your covering L/C. Please expedite the opening / establishment of the L/C so that we can execute the order in time.In order to avoid subsequent amendments, please see to it that the L/C stipulations are in exact accordance with the terms of the contract.We hope to receive your favo

41、rable news soonIII on P167Dear Sir,1.We assure you that any further ordersfrom you will _ our prompt attention. A. be taken B .have C .accept D .be received 2.We have just received your E-mail of Mar.28 covering the _tinfoil sheets(锡箔纸) . A. caption B .captioning C .captioned D .captain3. We will do

42、 our utmost _the same mistake again.A .to avoid B .having avoided making C. to avoid to make D .have avoided to makeConsolidation -UrgingBCA1.We assure you that any furth4._promate business between us , we are airmailing you our sample cuttings for your inspection.A .So as to B .In order to C .As fo

43、r D. As regards5.To avoid subsequent amendment ,please see that the stipulations in the relative L/C _in strict Conformity _the terms in our S/C .A. should be , to B. be ,with C .are ,with D .is ,to BCC4._promate business betwe6.With regard _Contract No.128, we are agreeable _D/P terms of payment.A

44、.to ,for B .to, to C .in ,to D .for, for 7. We would call your attention _we have not received the amount of USDI1, 800_the 20% of freight due .A . for that, for B. to that, to C. for the fact that to D. to the fact that, for 8. You_ _to send payment by 18, August at the latest.A. are requested B. r

45、equest C .are requesting D .requesting us BBDDA6.With regard _Contract No9. The clause is _approval by relevant authorities. A. subject to B . subjected to C .subjects to D .subjecting to 10._there has been no official confirmation of this incident.A. Too far B. As for C. So for D. By far AC9. The c

46、lause is _approvaConsolidationTranslate the following letter into English:先生： 关于我方第005号售货确认书项下150 公吨化肥，我方已按合同如期备妥，交货期日益临近。我们不知你们是否对第一批75 公吨.5/6月份装运的货物已经开出有关信用证？请尽快开证，以便我方顺利势执行这项订单。 为避免随后修改信用证，务请注意信用证规定条款严格与合同相符。 如蒙速复，不胜感激。 此致 敬礼20年4月20日 ConsolidationTranslate the folApril 20th,20.Dear Sirs,With rega

47、rd to 150 metric tons of chemical fertilizers under S/C No.005, we have got the goods ready for shipment on schedule as contracted. As the date of shipment is drawing near, we wonder whether you have opened the relevant L/C for the first 75 M/T for shipment during May/June. April 20th,20.Please open

48、 the L/C as soon as possible so as to enable us to execute your order smoothly.In order to avoid subsequent L/C amendment, please see to it that the L/C stipulations are in exact accordance with the contract terms.Your prompt reply will be appreciated.Yours faithfullyPlease open the L/C as soon as1.

49、Please have your L/C No.092 amended _our S/C SD601, inserting “5% more or less” _the quantity and amount.A. to, on B. against, into C. against, after D. for, to2.On perusal of your L/C No.700, we find the name of goods does not_ the contract, and should beamended_”Art.no.505”.A. agree to, to B. agre

50、e with, to readC. agree on, reading D. agree for, to read3.Please delete ” shipped in one lot ” and _ the wording “partial shipments and transshipment allowed” . A. delete B. remove C. increase D. insertCCDB1.Please have your L/C No.092 4. We would appreciate your extending the _and of your L/CNo.21

51、1 to June 15 and July 1 respectively.A. shipment, validity B. validity, shipmentC. ship , valid D. shipping, valid 5. Owing to there _no direct steamer to your port this month, you are requested to amend the L/C.is, to allow transshipment B. are, allowing transshipmentC. being, allowing transshipmen

52、t D. be, allowing transshipment6.Please the necessary _immediately by fax so that we can ship the goods in time.A. take , amendment B. do , amendingC. go , amend D. make ,amendmentACDACD7.we have received your L/C No.807, but found it contains the following few _ against the contract.A. discrepancie

53、s B. discrepancy C. mistake D. error8.we are sorry to say that owing to some delay_ the part of our suppliers , so we unable to get the goods ready by the end of this month. So we sent you an E-mail yesterday_.A. in, reads B. about, reading C. on , reading D. with, read9.we enclose an amendment advi

54、ce No.235 _L/C No.890. please check it _your L/C.A. with , to B. covering, to C. to, With D. about, toACCC7.we have received your L/C No关于第303 号信用证，我们已通知开证行电展装船期和有效期分别至9月15日和9月30日。现遗憾地通知你方，我们将上述信用证与有关合同核对时发现金额不足。我们发现你方信用证的条款中有下列3点与合同规定不符。请将单价从每打RMB32 增加到每打RMB35 ，并把总金额相应增加到RMB 21000，另外在数量前请删除“about”字

55、样。我们要求你方通知你地银行对信用证作出必要的修改。请将信用证金额改为28000 英镑，否则，我们将无法议付单据。因为你方的信用证修改书迄今未到，我们恐怕赶不及将货物装本月起航开往你港的“泰山”号轮。请注意做到在本月内开出信用证并准许转船和分批装运。为保证最快交货，我方要求对上述定货用航空货运。关于第303 号信用证，我们已通知开证行电展装船期和有With regard to L/C No.303 we have instructed the opening bank to extend by telex the date of shipment and validity to 16th an

56、d 30th Sept respectively.We sorry to inform you that upon checking the above credit with the relevant contract, we find the L/C amount is insufficient.Among the clauses specified in your credit we find that the following three points do not conform to the contract.Please increase the unit price from RMB32 per dozen to RMB35 per dozen and the total amount toWith regard to L/C