Unit11PaymentVIP专享VIP免费

UnitTwelvePayment1.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）ThePartiestoaBillofExchangeDrawer(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)ClassificationofBillsofExchangeCommercialBill/Banker’sBill商业汇票/银行汇票Commercial:thedrawerisacommercialconcern,forforeigntradefinanceBanker’s:thedrawerisabankCleanBill/DocumentaryBill光票/跟单汇票Clean:nodocumentsattached,forcollectingcommission,interest,samplefeeandcashinadvanceDocumentary:withsomeshippingdocuments,likebilloflading,insurancepolicy,invoice,forcollectingimportandexportgoods.Sight(Demand)Bill/Time(Usance)Bill即期/远期Sight:requiringthedraweetopaythebillondemandoratsight.Time:requiringthedraweetoaccept(承兑)itfirstandpayitatafixedordeterminablefuture:At…daysaftersightAt…daysafterdraftAtfixeddateinthefuture1.2PromissoryNote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。信用证是国际贸易中最主要、最常用的支付方式。LanguageFocus1.LetterofcreditToestablish/open/issueanL/CToexamine/checktheL/CToamendtheL/CToextendtheL/C2.Irrevocablevs.RevocableL/C可撤销/不可撤销信用证TheEnd