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当前位置:首页 > 商业/管理/HR > 企业财务 > 商务英语阅读-Unit-6国际支付
1、UnitSixInternationalPaymentObjectivesGetthestudentstobefamiliarwiththeinternationalpayment.Cultivatethestudents’abilityofproblem-solving.Helpthestudentsovercomethevocabularybarrierinreading.SectionAIntroductionIninternationalbusiness,termsofpaymenthavebeenthekeypartsinthecontractsallthetime.Itinvolveshowexporterscollectthepayfortheirgoodsintimeandguaranteesthenormalandorderlydevelopmentoftheirbusiness.Ininternationaltrade,boththeexporterandimporterfacerisksinanexport/importtransactionasthe。
2、reisalwaysthepossibilitythattheotherpartymayfailtofulfillthecontract.Inordertoguardagainstsuchpossibilities,differentmethodsofpaymenthavebeendeveloped.Ascircumstancesvary,thechoiceofpaymenttermsisalsoflexible.Pre-readingBeforereadingthefollowingpassage,answerthequestion:Howcanweguardagainstthepossibilitythattheotherpartymayfailtofulfillthecontractinanexport/importtransaction?TextInternationalPaymentIngeneral,thereareseveralbasicmethodsofpaymentininternationaltrade.PaymentinAdvanceByinsistin。
3、goncashinadvancethesellerobviouslyhascompleteassuranceofobtainingpayment.Thismethodisoftenusedincaseswheretheexporterisnotfamiliarwiththebuyer’screditstanding.Cashinadvancemayalsobeappropriatewhenthepoliticalandeconomicconditionsinthebuyer’scountrymakepaymentuncertain.ThismethodplacestheburdenforfinancingthetransactionentirelyonthebuyerOpenAccountTheprocedureofthistermisrathersimple.Theexporterdispatchesthegoods;preparesallthedocuments(mainlythecommercialinvoice),andsendsboththegoodsanddocumen。
4、tstothecustomer,whiletitletothegoodspassesfromsellertobuyerfromthatmoment,andthenwaitsforpayment.Thepaymentisnotmadeatthetimewhenthegoodsaredeliveredorwhenthedocumentsarepresented,butatthetimespecifiedinthecontract.Onduedate,itisuptothecustomertoarrangepayment,soitisagoodideatoarrangewitheachcustomertoremithispaymentbyCableTransfer,orTelegraphicTransfertotheexporter’sbank,quotingthebankcode,fullnameandaddressandaccountnumber.Thistermisseldomusedwherebothpartiesarenotinfairlygoodharmonywitheacho。
5、ther,andwheretherearestrictexchangerestrictionstocomplicatedsettlement.Thistermisusedwherethereiscompletetrustbetweenthesellerandthebuyer.DocumentaryCollectionDocumentarycollectionisameansofensuringthatthegoodsareonlyhandedovertothebuyerwhentheamountshownonadraftispaidorwhenthecustomeracceptsthedraftasacommitmenttopaybyaspecifiedtimeinthefuture.Paymentbyadraftorabillofexchangehasexperiencedmanyyearsinthehistory.Itwasthemostpopularmeansofpaymentbeforealetterofcreditwasintroduced.Thesellerthinks。
6、itadvantageousbecauseheisassuredthatthebuyerwillnotbeabletogetholdofthegoodsuntilhehaseitheracceptedatimedraftorpaidasightdraft.Ascollectionseeksnoguaranteefromthebank,thedocuments,especiallythedraft,havetheextraordinaryroleintheoperation.Adraft,alsocalledabillofexchange,isanunconditionalorderinwritingaddressedbyonepersontoanother,signedbythepersongivingit,requiringthepersontowhomitisaddressedtopayondemandoratafixedordeterminablefutureacertainsumofmoneytotheorderortothebearer.Indocumentarycoll。
7、ectionthebankactsontheinstructionsoftheexporterandtheexchangeofthedocumentstotitletakesplaceatthebuyer’splaceofbusiness.Oncetheexporterhasdispatchedhisgoodstothecustomer,theexportercollectstheshippingdocuments,whichgivetitletothegoods.Hedrawsabillofexchangeonthebuyer.Thismerelymeansthathefillsinabillofexchangewithalltherelevantdetailsrelatingtotheparticularshipment.Thisismadeouttobepayableeitheronsightorondemandorwithinaspecifiedtime.Theexportersendsthedraftandothershippingdocumentstotheremittin。
8、gbank,whichforwardsthemtothecollectingbankinthebuyer’scountry.Ifthedraftisasightbillandmoneyisactuallypaidwhenthebillispresented,thisarrangementisknownasdocumentagainstpayment(DP).Itisknownasdocumentagainstacceptance(DA)whenthedraftisatimebillandthemoneyispaidwithinaspecifiedtime.TheexportertakesariskwhenhesellsonthebasisofDA.Thebuyermayrefusetopayoracceptthebill.Whenabillisdishonored,thebankrefusestogivethebuyerthebillofladinggivingtitletothegoods.Thebankseeksinstructionsfromtheexporteronhowits。
9、houldact.DocumentaryCreditCashpaymentininternationaltradeisrarelyadopted;instead,non-cashpaymentiscommonlyused.Paymentbycredittransferstheimporter’sobligationofpaymenttothebank,whichensuresthattheexportercangetpaymentsafelyandpromptlywhiletheimportergetstheshippingdocumentsontime.Asweknow,abuyerandasellerlivefarapart,internationalbusinessiscarriedoutbeyondeachother’controlandmutualtrustishardtoestablish.Thesellerisunwillingtoshipthegoodswithoutreceivingpayment,whilethebuyerisreluctanttopartwit。
10、hhismoneywithoutactuallycontrollingthegoods.Incasethecreditworthinessbecomesthemajorbottleneck,theproblemsofthebuyerandtheselleraresolvedbytheinterventionofathirdparty—thebank.Acontractoftenstipulatesthatpaymentismadebydocumentarycreditagreeduponbyboththebuyerandtheseller,whobothwishforthesuperiorcreditstandingofalargefinancialinstitutiontostandbetweenthem.AdocumentarycreditoftenreferredtoasLCis,inessence,aletteraddressedtotheseller,writtenandsignedbyabank,aswrittenengagementactingonbehalfofacus。
本文标题:商务英语阅读-Unit-6国际支付
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