外贸函电-Chapter-8-Terms-of-Payment

1Chapter8TermsofPayment支付条款2Section1PaymentInstruments第一节支付的手段1.Draft/BillofExchange（汇票）2.PromissoryNote（本票）3.Check（支票）4.Moneyorders（汇款单/邮政汇款）5.CreditCard（信用卡）6.Cash（现金）31.Draft/BillofExchange（汇票）Adraftisanunconditionalwrittenordersignedbyonepartyrequiringasecondpartytomakepaymenttothethirdparty.4汇票：（BillofExchange/Draft）是由出票人签发的，要求付款人在见票时或在一定期限内，向收款人或持票人无条件支付一定款项的票据。56(1)Partiesinvolvedinadraft①Drawer：出票人/买方②Drawee：受票人③Payee：收款人/卖方7(2)ContentsofaDraft①DateandPlaceofissue②TimeofPayment③Payee（收款人）④CurrencyandAmount⑤Drawee（受票人）⑥Drawer（出票人）8(3)TypesOfDrafts（汇票的种类）:①Banker’sDraftandCommercialDraft（银行汇票和商业汇票）②CleanDraftandDocumentaryDraft（光票和跟单汇票）③SightDraftandUsanceDraft（即期汇票和远期汇票）BACK92.PromissoryNote（本票）APromissoryNoteisanunconditionalpromiseinwritingmadebyonepersontoanotherpromisingtopayasumofmoneytoaspecifiedpersonortothebearer.10（2）本票：本票是由出票人签发的，承诺自己在见票时无条件支付确定的金额给收款人或持票人的票据。本票可分为银行本票与商业本票两种。11本票的用途：①在商品交易中需要远期付款时，可先由买主签发一张以约定付款日为到期日的本票，交给卖方，卖方可凭本票如期收到货款。②客户提取存款时，银行本应付给现金，如果现金不够，存款银行开立即期本票交给客户，以代替支付现钞。BACK123.Check（支票）ACheckisanunconditionalorderinwritingaddressedbythecustomertoabankauthorizingthebanktopayasumofmoneytoanamedpersonorthebearer(p141).13支票：（Cheque，Check）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持票人的票据。1415Section2MethodofPayment第二节付款的方法1.CashinAdvance（预付货款）2.DocumentaryCollection____（跟单托收）3.DocumentaryLetterofCredit（跟单信用证）4.OpenAccount（记账）161.CashinAdvance（预付货款）Cashinadvancemeansthatthesellerispaideitherwhenthebuyerplacestheorderorwhenthegoodsarereadyforshipmenttothebuyer.17（1）WhydoessellersinsistofCashinAdvancesometimes（为何需要预付货款）?①Whenordersarefrompoliticallyunstablecountries.②Whenordersarefromfinanciallyunstablecustomers.③Whengoodsarespeciallycustom-made.18（2）TypesofCashinAdvance①Cashwithorder（订货付款）Thebuyerpayforthegoodswhenheplacestheorderwiththeseller.(whengoodsareinurgentdemandorgoodsarecustommade.)②Paymentbeforeshipment（发货前付款）Thebuyerpayswhenthesellerhasgotthegoodsreadyforshipment.19Incaseofcashwithorderorpaymentbeforeshipment,thebuyerusuallyremitsthepaymenttotheseller.（3）WaysofRemittance（汇付的方法）①M/T信汇（MailTransfer）信汇是指汇款人向当地银行交付本国货币，由银行开具付款委托书，用航空邮寄到国外分行或代理行，办理付出外汇业务。信汇汇率低于电汇汇率。20②T/T电汇(Telegraphictransfer)电汇是汇款人将一定款项交给汇款银行，汇款银行通过电报或电传发给目的地分行或代理行，指示汇入行向收款人支付一定金额的一种汇款方式。③D/D票汇（DemandDraft）票汇是进口人向进口地银行购买银行汇票寄给出口人，出口人凭此向汇票上指定的银行取款的一种汇款方式。BACK212.DocumentaryCollection（跟单托收）Thesellershipsthegoodsandobtainsdocuments,thesellerthensendsthedocumentstotheremittingbank.Aftercheckingthedocument,theremittingbanksendsthosedocumentstothecollectingbank,thenthecollectingbanknotifiesthebuyertopayandpickupthedocuments.22跟单托收的概念跟单托收是指银行收到客户提交的出口托收全套单据后，对单据进行审核、缮制面函，寄单索汇，收汇入账的一种国际结算业务。23(1)OperationofDocumentaryCollectionSellerRemittingBankShiptheGoodsandAssembleDoc&DraftPresentingBankBuyerContractCollectingBank24(2)Partiesinvolvedindocumentarycollection①Principal（委托人／卖方）②RemittingBank（寄单行／托收行）③PresentingBank（呈单行）④CollectingBank（代收行）⑤Payer（付款人／买方）25(3)Typesofdocumentarycollection①DocumentsagainstPayment(D/P)（付款交单）1)D/Patsight（即期付款交单）2)D/Paftersight（远期付款交单）②DocumentsagainstAcceptance(D/A)（承兑交单）BACK264.OpenAccount（记账）Inopenaccount,thesellershipsthegoodsandsendsthedocuments,andstipulatesatimeperiodinwhichpaymentistobeeffected.27(1)Thereishighriskwithopenaccount,thesellershouldconsider:①Buyer’screditstanding②Relationships③Priorexperience28(2)Openaccountarefrequentlyused:①Betweenbigcompanies②Companybranches③Affiliatedcompanies29TheEnd