Terms of Payment 支付方式.ppt

1、a,1,Terms of Payment,a,2,Methods of Payment,1.Remittance汇付 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。,Remitting Bank 汇出行,Paying Bank 汇入行,Beneficiary 收款人,Remitter 汇款人,Application for remittance,a,3,Types of Remittance,信汇（Mail Transfer, M/T） 电汇（Telegraphic Transfer, T/T） 票汇（Remittance by Bankers Demand Draft，

2、D/D）,Society for Worldwide Interbank Financial Telecommunication 全世界银行间金融电信学会,a,4,汇付主要用于以下业务： 预付货款Payment in advance 随定单付现Cash with order 交货付现Cash on delivery 记帐交易Open account trade,a,5,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（随附或不随附货运单据），委托出口地银行通过它在进口地的分行或代理行向进口人收取货款一种结算方式。,Methods of Payment,a,6,托收的当

3、事人,委托人（principal）： 即开出汇票委托银行向国外付款人代收货款的人，也称为出票人（drawer）。 托收行（remitting bank）： 即接受出口人的委托代为收款的出口地银行。 代收行（collecting bank）： 即接受托收行的委托代付款人收取货款的进口地银行。 付款人（payer或drawee）： 汇票上的付款人即托收的付款人，通常为进口人。,a,7,托收的种类,光票托收Clean Collection 跟单托收Documentary Collection 1)付款交单 D/P Document against payment 即期付款交单 D/P at sigh

4、t Documents against payment at sight 远期付款交单 D/P after sight Documents against payment after sight 2)承兑交单D/A Documents against Acceptance,a,8,Methods of Payment,3.信用证Letter of Credit ，L/C,a,9,transferable credit The credit can be transferred by the original beneficiary to one or more parties. non-tra

5、nsferable credit If a credit does not spcify whether it is transferable ,it shoule be regard as non-transferable credit.,a,10,我们惯常的付款条件是以保兑的、不可撤销的即期信用证连同装运单据在装货港的议付行议付货款。 Our usual terms of payment are by a confirmed, irrevocable letter of credit at sight, accompanied by shipping documents which are

6、 to be presented to the negotiating bank at the port of loading. 鉴于这笔订货金额小，相信你方会同意我方在收到单据以后以信汇付款。 As the value of this order is rather small, we trust you would agree to our making payment by mail transfer after receipt of the documents.,USEFUL EXPRESSIONS,a,11,付款方式为保兑的、不可撤销的、可分割的、可转让的、无追索权的全部金额即期信用

7、证支付。 Payment is to be made against sight draft drawn under a confirmed, irrevocable( divisible and transferable) letter of credit without recourse for the full amount of purchase. 由于金额很小，我方同意向你方开出即期跟单汇票。 In view of the small amount of this transaction, we agree to draw on you by documentary sight dr

8、aft.,USEFUL EXPRESSIONS,a,12,感谢你方5,000打衬衫的订单。 我们认真研究了你方提出的以见票后30天的信用证付款的建议。我们通常不接受远期信用证。但是，鉴于我们双方长期互惠的贸易关系，此次我们愿意破例接受你方的建议。 我们必须重申这次变更仅限于本次交易，决不能作为今后交易的先例。 随函附上有关上述订货的第TL120号销售合同。如能按常规办理将不胜感激。,Letter One,a,13,Thank you for your order for 5,000 dozen shirts. We have considered your proposal to pay by

9、 a 30-day letter of credit. We do not usually accept time credit. However, in view of our long and mutually beneficial relationship, we are willing to make an exception this time. We must stress that this departure from our usual practice relates to this transaction only. We cannot regard it as sett

10、ing a precedent for future transaction.,a,14,PAY: to pay in advance 预付 to pay by installments分期付款 to pay on delivery 货到付款 to pay by 30 days of L/C 以见票后30议付的信用证付款 We trust you will pay our draft on presentation. 我们相信你方在见到我们的汇票时即照付。,a,15,PAYABLE: 应付的，可付的 bills payable amount payable account payable a

11、check payable at sight PAYMENT: （不可数）支付；（可数）支付的款 payment on deferred terms monthly payments of US $ 3,000 in payment of 付某种费用的款 in payment for 付某种具体实物的款,a,16,We enclose a check for US $ 3,000 in payment of all commission due to you up to date. 随函附上3,000 美元支票一张，以支付截至目前所欠你方的全部佣金。 We have received your

12、 check for US $ 3,00 in payment for the samples we sent you last month.,a,17,Its a gross departure form promise . 严重违反诺言 We can get the goods ready before the ships departure. 在船启航前备妥货物,a,18,Usual practice Customary practice惯例 International business practice It is our usual practice to ask for sight

13、 L/C, no matter whether the order is large-sized or small-sized.,a,19,PRECEDENT : 先例 create / establish / set a precedent It must be clearly understood that, in doing so, we are not establishing a precedent. This way of settling the case would set an awkward precedent.,a,20,We enclose our Sales Cont

14、ract No. TL120 covering the order. We would be grateful if you would follow the usual procedure.,a,21,过去我们从你方购进纺纱机零件通常都是以保兑的、不可撤销的信用证来支付的。 按这种支付方式，我方花费很大。从我方开立信用证到我们的客户向我们支付货款，资金占压约达4个月之久。在目前的情形下，由于经济不景气而且银行利率又比较高，这使我们感到特别有压力。 如蒙你方能给予较宽容的支付条款，很有可能给双边带来贸易的增长。我们提议以活到凭单付现或开具见票三个月付款的汇票向我方索款。,LETTER TWO,

15、a,22,In the past, our purchases of Spinning Machine Parts from you have been normally paid by confirmed, irrevocable letters of credit. This arrangement has cost us a great deal of money. From the moment we open the credit until our buyers pay us, normally it ties up funds for about four months. Thi

16、s is currently a particularly serious problem for us in view of the difficult economic climate and the prevailing high interest rates.,LETTER TWO,a,23,ARRANGEMENT ：商定的办法 We believe such an arrangement will conduce to the development of our business. As soon as you L/C arrives, we will make arrangeme

17、nts to ship the goods. We have reached an arrangement with them.,a,24,Tie up funds: 占压资金 tying up funds tie-up of funds The request for easier payment terms is compelled by their funds being tied up in numerous commitments.,a,25,If you could offer us easier payment terms, it would probably lead to a

18、n increase in business between our companies. We propose either cash again documents on arrival of goods, or drawing on us at three months sight. We hope our request will meet your arrangement and look forward to your early reply.,LETTER TWO,a,26,感谢你方三月十日的来函并得知你方希望我们对支付条款做一变更。 事实上，我们原先商定的办法是非常普遍的。从你

19、方开立信用证到货物抵达贵港口，这中间间隔通常约需三个月，这是很正常的。另外，你们只是在我们的货物已备妥待运时才开立的信用证。 非常抱歉我们必须要坚持我们的习惯作法并真诚地希望不要因此而影响你我未来的贸易关系。 一经你方询购的钢管到货自当立即与你接洽。,LETTER THREE,a,27,Thank you for your letter of 10 March asking for a change in payment terms. There is nothing unusual in our current arrangement. From the time you open cred

20、it until the shipment reaches your port, it is normally about three months. In addition, your L/C is only opened when the goods are ready for shipment.,LETTER THREE,a,28,We regret to say that we must adhere to our usual practice and sincerely hope that this will not affect our future business relati

21、ons. We will contact you as soon as supplies of the steel pipes you require come into stock.,LETTER THREE,a,29,Adhere ：坚持；忠于 We always adhere to the principle of equality, mutual benefit and exchange of needed goods. 我们一贯坚持平等互利、互通有无的原则。 We always adhere to our commitments. We did our best to persuad

22、e them round， but they adhere to their position.,a,30,有关建议修改付款条件事宜，本公司乐意接受。并以传真确认。 你方订单所列商品均可现货供应，一经收到你方电汇货款便可包装付运。 货物装运完毕，下列装运单据立即航寄你方： 1.提单一式两份 2.发票（成本保险加运费利物浦）一式三份 3.按发票价值110%投保的保险单 4.品质保证书 货物一经装运完毕定当传真通知你方。,LETTER FOUR,a,31,The modified terms of payment you proposed are quite acceptable. A fax h

23、as been dispatched to you to this effect. All the items in your order can be supplied from stock and will be packed and shipped immediately after your remittance by telegraphic transfer is received.,LETTER FOUR,a,32,To this effect 大意如此，带有这样意思的 to that effect 带有那样意思的 to the above effect 大意如上,a,33,The

24、 following documents will be airmailed to you immediately after shipment is made. 1. Bill of lading in duplicate 2. Invoice, CIF Liverpool, in triplicate 3. Insurance policy for 110% of invoice value. 4. Guarantee of quality We will, of course, notify you by fax as soon as your order is shipped.,LETTER FOUR,a,34,Bankers invoice 银行发票 Commercial invoice 商业发票 Customs invoice 海关发票 Pro forma invoice 形式发票 Provisional invoice 临时发票 Original invoice 正本发票 Duplicate invo