外贸函电09.09-专Lecture-17-Terms-of-payment-(Unit-8)市公开

Lecture17TermsofPaymentObjectives:Afterthissectionyouwill:beabletotranslate3maintermsofpaymentandprocedures.beabletowritealetterofpayment.1/51ModesofPaymentL/CRemittanceT/T(telegraphictransfer)M/T(mailtransfer)D/D(demanddraft)Collection

D/P(DocumentAgainstPayment)D/A(DocumentAgainstAcceptance)

Main&DifficultPoints2/51Paymentisanimportantissueininternationaltrade.Noexporttransactioncanberegardedassuccessfuluntilthemoneyhasbeenpaidforthegoodsdeliveredoverseas,andtheproceedshavebeensafelycreditedtotheexporter’saccount.Ininternationaltrade,therearemajormodesofpaymentthatthebuyersmayadoptnamelyletterofcredit(L/C),remittanceandcollection.3/51

L/Cisusedincaseswheretheexporterwishestoavoidtherisk,anditinvolvesaguaranteeofthebankopeningtheL/C.Itisthemostcommonformofpaymentininternationalbusiness.Aletterofcreditisadocumentissuedbyabank(issuingbank)statingitscommitmenttopaythesellerastatedamountofmoneyonbehalfofthebuyeraslongasthesellermeetsveryspecifictermsandconditions.Lettersofcreditaremoreformallycalleddocumentarylettersofcredit,andarewithdifferenttypes.4/51

Paymentsometimesismadebycollectionorremittance.Thesetwomodesofpaymentrelyoncommercialcreditbetweensellersandbuyers.Remittancemeansthebuyersendthepaymentthroughbankorotherformstothereceiverinitiatively.Itisdividedintothreeformsofmailtransfer(M/T),telegraphictransfer(T/T)anddemanddraft(D/D).5/51Collection托收[uncountable]theactofobtainingmoneythatisowedtoyou[↪

collect,collector]:adebtcollectionagencyRemittance汇付[countable]formalanamountofmoneythatyousendtopayforsomething6/51Collectionmeansthecreditorissuesthebillofexchangeandentruststhebanktocollectthepaymentoftheshipment.Ithastwoformsofdocumentsagainstpayment(D/P)anddocumentsagainstacceptance(D/A).7/51KeyWords&ExpressionspayproposalamountinvolvefiguredrawaccommodateL/Ctieupfund8/51Letter1PaymentbyD/P9/51

LanguagePointspayv.付（款，费用）；付款；（对…）注意topayinadvance预付

topaybyinstallments分期付款topayondelivery货到付款topayby30daysL/C30天期信用证付款topaybytimeL/Cat30daysWetrustyouwillpayourdraftonpresentation.我们相信你方在见到我们汇票时即照付。10/51

LanguagePointsThepriceofgoodsispayablebyinstallments.货款能够分期支付。payableadj.应付（款项）；可付billspayable应付票据

amountpayable应付金额

accountpayable应付帐款

acheckpayableatsight见票即付支票11/51LanguagePointspaymentn.（不可数）支付；（可数）支付款

paymentterms支付条件；付款条件termsofpayment支付条件；付款条件paymentinadvance预付货款deferredpayment延期付款cashpayment现金付款paymentondeferredterms迟期付款monthlypaymentsofUS$3,000每个月付款3000美元inpaymentof付某种费用款，如发票、费用、佣金等inpaymentfor

付某种详细实物款，如广告、商品、样品等

12/51LanguagePoints随函附上3000美元支票一张，以支付截至当前所欠你方全部佣金。WeencloseacheckforUS$3,000inpaymentofallcommissionsduetoyouuptodate.收到你方300美元支票一纸，支付我方上个月寄给贵企业样品。WehavereceivedyourcheckforUS$300inpaymentforthesampleswesentyoulastmonth.13/51LanguagePointsWehaveheavypaymenttomakebeforetheendofthismonth.本月底我们要支付一些巨额款项。Ourpaymenttermsarebyaconfirmed,irrevocableL/Cpayablebydraftatsight.我们付款条件是以保兑，不可撤消即期信用证支付。14/512.proposen.[transitive]formal

tosuggestsomethingasaplanorcourseofaction提议

遗憾不能接收你方改变付款方式提议Weregretthatwecannotacceptyourproposalforchanginginpayment.LanguagePointsproposaln.提议

15/51LanguagePoints3.amountn.v.数额；金额；总额；（金额）累计；到达

intheamountof金额计totheamountof金额计fortheamountof金额计toamountto…金额到达tocometoanamountof金额到达

16/51Inviewofthesmallamountofthistransaction,wearepreparedtoacceptpaymentbyD/Patsight(orat30days’sight)forthevalueofthegoodsshipped.我们随函附寄银行汇票一张，金额计人民币34，980元，已扣除2%折扣。2)WeencloseabankdraftforRMB￥34,980,beingtheamountless2%discount.鉴于此笔交易金额较小，我们准备接收以即期付款交单（或30天付款交单）向你方收取货款。17/51LanguagePoints4.involvev.包括；包含；牵涉

发生额外保险费将由买方负担。

Theextrapremiuminvolvedwillbeforbuyer’saccount.此事包括专利、设备作价及产品销售量等一系列问题。Thematterinvolvesaseriesofproblems,suchaspatent,pricingofequipmentandsalesvolumeoftheproduct.18/51Wedon’twanttoinvolveyouinanyunnecessarytroubleandexpenses.LanguagePoints我们不想给你方带来任何无须要麻烦和费用。航空邮寄此货，费用昂贵。Toairmailthegoodswouldinvolvealotofexpenses.19/51LanguagePoints5.figuren.数字（指价格）aparticularamountofmoney我们不能按照你方价格成交。Wecannotdobusinessatyourfigure.Thefigurequotedbyyouistoohigh.你方报价太高。

20/51AnalyzingtheLetterParagraphOne:identifyingthereference

ParagraphTwo:acceptingtheproposal,givingthereasonsParagraphThree:makingitclearthattheconcessiondoesnotapplytofuturetransactions

ParagraphFour:statingthewishes/hopes

Comments:Thisletterisbriefandtothepoint.Ittellstherecipientexactlythattheconcessionisonlyforthisdeal,andcannotsetprecedentforfuturetransactions.

21/51Chineseversionoftheletter1（付款交单）敬启者：我方已收到1月4日关于问询使用付款交单方式付款电子邮件。经过仔细研究你方提议，我们同意使用付款交单方式支付本单货物。不过我们认为有必要明确：在今后交易中，只有单笔交易金额低于3，000美元时才可使用付款交单方式付款。不过我们认为有必要明确：在今后交易中，只有单笔交易金额低于3，000美元时才可使用付款交单方式付款。假如金额超出这个数目，请使用信用证付款。谨上，克拉克ABC有限企业22/51Letter2Orderno.89723/51

LanguagePointsdrawadraftonsbforanamountagainststhdrawonsbatsightforanamountagainststh依据…向某人开出金额为……汇票toacceptadraft承兑汇票tohonoradraft承兑汇票todishonoradraft拒付汇票draw开出（汇票）24/51LanguagePoints我们遗憾地得知你方拒付了我们三十天期汇票。Weregretthatnotethatour30daysdraftdrawnonyouwasdishonored.我们已依据这些单据经过亚洲银行向你方开立了发票金额即期汇票。WehavedrawnasightdraftonyouagainstthedocumentsfortheamountofinvoicethroughtheBankofAsia.25/51Pleaseconfirmthatwecandrawonyouat60daysaftersightforUS$28,000againstyourOrderNo.328.请确认我们能够就你328号订单向你方开出金额为两万八千美元六十天远期汇票收款。

LanguagePoints26/51Chineseversionoftheletter2敬启者/执事先生：兹欣然通知：你方去年12月所订购笔记本电脑已做好装运准备。该货将由“昆仑”号轮船在宁波港装出，预定于2月下旬抵达巴生港。我们已按通常付款条款，向你方开具60天期汇票，并将汇票及装运单证交给我方银行。该汇票将在你方按通例承兑汇票时，由花旗银行递交你方。

谨上

刘萍BCD有限企业27/51Chineseversionofletter3

（电汇付款）敬启者/执事先生：关于988号协议裙子，价值6，000人民币，以及998好协议丝质女士衬衣，价值为9，000人民币。因为这两个协议都低于10，000人民币，假如你们能以电汇方式发货，我们将不胜感激。希望你方能在这方面给予通融，期待收到你们必定回复。谨上迈克BCD有限企业28/51Letter3PaymentbyT/T29/51

LanguagePointsaccommodatev.通融；照料

accommodationn.通融；照料

accommodatingadj.helpfulandwillingtodowhatsomeoneelsewantsunaccommodatingadj.不愿通融；不愿照料

1)银行正在考虑给我们提供一笔三年期贷款。Thebankisconsideringaccommodateuswithathree-yearloan.30/51

LanguagePointsWehopeyouwillaccommodateusbyallowing5%commission.4)望你方能照料允许给我方佣金百分之五。

2)作为一项特殊照料，我们接收三十天远期信用证。3)希望你方不要认为我们是不愿通融。

Asaspecialaccommodation,wewillaccepttimeL/Cat30days.Wesincerelyhopethatyouwillnotthinkusunaccommodating.31/51Letter4PaymentbyL/C32/51LanguagePointsletterofcredit信用证信用证种类：ConfirmedL/C保兑信用证

UnconfirmedL/C未保兑信用证SightL/C即期信用证

TimeL/C远期信用证

RevocableL/C可撤消信用证

IrrevocableL/C不可撤消信用证

33/51LanguagePointsTransferableL/C可转让

Non-transferableL/C不可转让

DivisibleL/C可分割

IndivisibleL/C不可分割DocumentaryL/C跟单34/51Chineseversionofletter4

（信用证付款）敬启者/执事先生：很高兴你方年11月24日来信。很高兴收到你方关于AE135闹钟订单，该批货物我们有足够库存，一定会按时交货。付款方式请用保兑、不可撤消凭汇票付款即期信用证。等你方信用证一到，我们就能够做装运安排。你方若有任何疑问以及需要任何帮助和信息，我方都会尽力帮助处理。谨上克拉克ABC有限企业35/51Chineseversionofletter5

（即期汇票）敬启者/执事先生：很高兴收到你方1月5日询盘。随信附上我们产品目录以及价格清单。通常我们只接收保兑、不可撤消凭即期汇票付款信用证。汇票要求装船日一个月之前抵达我方，而且在要求装船日起20天内在中国议付有效。而且允许转运和分批装运。希望贵方可接收我方支付方式，并期待贵方试订单。谨上丹尼绿色产品进出口有限企业36/51Letter6ReplytoDraftatSight37/51

LanguagePointstiesupfunds占压资金

tyingupfunds占压资金

tie-upoffunds占压资金

Therequestforeasierpaymenttermsiscompelledbytheirfundsbeingtiedupinnumerouscommitments.因为资金被许多业务占用，他们迫不得已要求较宽容付款条件。

38/51Chineseversionofletter6

（即期汇票回复）敬启者/执事先生：我们已收到你方1月8日来信，希望订购你方10，000台低耗能复印机，装运期是三月。在过去几年里，我们一直以即期信用证方式同你方方交易，而且我们总是马上清账。这个订单金额为2，000，000美元大订单，资金积压3个月会给我们带来麻烦。所以，对于此订单，我们希望采取30天远期信用证付款。希望收到你方必定回复以及你方销售确认书。假如这次你们能帮我们一次忙，请尽早寄出你们销售确认书方便我们马上开立信用证。

谨上约翰阳光农产品进出口有限企业39/51KEYTOPRACTICE(Unit8)40/51Translatethefollowingbusinesstermsandexpressions1.termsofpayment2.D/D(DemandDraft)3.collection4.remittance5.D/P(documentagainstpayment)6.D/A(documentagainstacceptance)7.shippingdocuments8.draft9.T/T(TelegraphicTransfer)10.irrevocableL/C41/51II.TranslatethefollowingsentencesintoChinese.1.我们支付方式是以保兑不可撤消、凭即期汇票支付信用证。2.因为这次交易额大，而且当前国际金融市场很不稳定，所以我们除接收信用证付款外，不能接收别付款方式。3.此次订货，我们提议你们使用信用证。收到信用证后，我们将把货物装上第一条可定到船。4.为了做成这批生意，希望双方都各让步二分之一。百分之五十以信用证付款，百分之五十按付款交单怎么样？5.我想同你讨论一下付款条件。不知你能否接收承兑交单方式。42/516.因为我们必须坚持我们一贯做法，我们希望你不要认为我们是不愿通融。7.我们已通知我方银行开立以你方为受益人、不可撤消、跟单信用证，其金额为一千三百美金。8.我们已经考虑过了你方电汇要求，并同意给予你们这个方便。9.我们希望你们对这笔交易和今后交易接收信用证付款方式。10.货物装运后，我们将向你方开出见票六十天内付款汇票，请到期即付。43/51III.TranslatethefollowingsentencesintoEnglish.1.YounodoubtknowwerequestpaymentbyL/Cavailableagainstdraftatsight.2.Thetermsofpaymentweusuallyadoptareconfirmedandirrevocableletterofcredit.3.Asforregularordersinfuture,couldyouagreetotimeL/C?4.ToopenaL/Cwilladdtothecostofourimports.5.TheirrevocableL/Cgivesyourexportstheprotectionofabanker’sguarantee.6.L/Catsightisnormalforourexporttoyourcountry,sowecanhardlymakeanyexceptionthistime.44/517.ItisexpensivetoopenaL/Candtiesupthecapitalofasmallcompanylikeours.Soit’sbetterforustoadoptD/PorD/A.8.Weshallopenanirrevocableletterofcreditinyourfavor,payableinHongKongagainstshippingdocuments.9.WeusuallyacceptpaymentbyirrevocableL/Cpayableagainstshippingdocuments.10.WeagreetoacceptL/Cavailablebydraftat30days’sight.

45/51ExIVDearTingMen:WerefertoourOrderNo.567forwomen’sblousesandsweaters.Asthisordertotalslessthan$3000,wewouldrequestthatyouagreetoshipthegoodstousonD/Pbasis.Asyouknow,establishingaletterofcreditchargesmuch,andwewouldliketokeepthecostsdownsothatwemayprovideourcustomerswithareasonableprice.Wehopethatyouwillaccommodateusinthisrespectandcontinuetosupplyuswithproductsonthesamebasis.Welookforwardtoyourreply.YoursSincerely,YangYuanABCCo.,Ltd.46/51

PracticeLessonsII.MakeChoices：paymentsshouldbemade

sightdraft.PaymentbyL/Cisourmethodof

tradeinchemicals.Mr.Yincouldagree

D/Pterms.90%ofthecreditamountmustbepaid

thepresentationofdocuments.a)atb)uponc)byd)aftera)negotiatingb)settlingc)financingd)assistinga)withb)toc)ind)evera)atb)byc)againstd)whencbbc47/51

PracticeLessons