外贸函电-Chapter-8-Terms-of-Payment.ppt

Chapter 8 Terms of Payment支支 付付 条条 款款1Section 1 Payment Instruments第一节第一节 支付的支付的手段手段1.Draft/Bill of Exchange（汇票）2.Promissory Note（本票本票）3.Check（支票支票）4.Money orders（汇款单（汇款单/邮政汇款）邮政汇款）5.Credit Card（信用卡）（信用卡）6.Cash（现金）（现金）2 1.Draft/Bill of Exchange （汇票汇票）A draft is an unconditional written order signed by one party requiring a second party to make payment to the third party.3 汇票：汇票：（Bill of Exchange/Bill of Exchange/DraftDraft）是由）是由出票人出票人签发的，要求签发的，要求付款人付款人在见票时或在一定期限内，在见票时或在一定期限内，向向收款人或持票人收款人或持票人无条件支付一无条件支付一定款项的定款项的票据票据。45(1)Parties involved in a draft Drawer：出票人：出票人/买方买方 Drawee：受票人：受票人 Payee：收款人收款人/卖方卖方6(2)Contents of a Draft Date and Place of issue Time of Payment Payee（收款人）（收款人）Currency and Amount Drawee（受票人）（受票人）Drawer（出票人）（出票人）7(3)Types Of Drafts（汇票的汇票的种类种类）:Bankers Draft and Commercial Draft（银行汇票和商（银行汇票和商业汇票）业汇票）Clean Draft and Documentary Draft（光票和跟单汇票）（光票和跟单汇票）Sight Draft and Usance Draft（即期（即期汇票和远期汇票）汇票和远期汇票）BACK82.Promissory Note（本票本票）A Promissory Note is an unconditional promise in writing made by one person to another promising to pay a sum of money to a specified person or to the bearer.9 （2 2）本票：）本票：本票是由本票是由出票人出票人签签发的，发的，承诺承诺自己在见票时无条件支自己在见票时无条件支付确定的金额给付确定的金额给收款人收款人或或持票人持票人的的票据。本票可分为票据。本票可分为银行银行本票与本票与商业商业本票两种。本票两种。10 本票的用途：本票的用途：在在商品交易中需要商品交易中需要远期付款时远期付款时，可先由买主签发一张以约定可先由买主签发一张以约定付款日为到付款日为到期日期日的本票，交给卖方，卖方可凭本票的本票，交给卖方，卖方可凭本票如期收到货款。如期收到货款。客户提取客户提取存款存款时，银行本应付时，银行本应付给现金，如果给现金，如果现金不够现金不够，存款银行开立，存款银行开立即期本票交给客户，以代替支付即期本票交给客户，以代替支付现钞现钞。BACK113.Check（支票支票）A Check is an unconditional order in writing addressed by the customer to a bank authorizing the bank to pay a sum of money to a named person or the bearer(p141).12 支票：支票：（ChequeCheque，CheckCheck）是）是出票人出票人签发的，委托办理支票签发的，委托办理支票存款存款业务的业务的银行银行或者其他金融机构在见或者其他金融机构在见票时无条件支付确定的金额给票时无条件支付确定的金额给收款收款人人或或持票人持票人的票据的票据。1314Section 2 Method of Payment第二节第二节 付款的付款的方法方法1.Cash in Advance（预付货款）（预付货款）2.Documentary Collection_（跟单托收）（跟单托收）3.Documentary Letter of Credit（跟单信用证）（跟单信用证）4.Open Account（记账）（记账）15 1.Cash in Advance（预付货款）（预付货款）Cash in advance means that the seller is paid either when the buyer places the order or when the goods are ready for shipment to the buyer.16 （1）Why does sellers insist of Cash in Advance sometimes（为何需要预付货款）?When orders are from politically unstable countries.When orders are from financially unstable customers.When goods are specially custom-made.17（2）Types of Cash in Advance Cash with order（订货付款）（订货付款）The buyer pay for the goods when he places the order with the seller.(when goods are in urgent demand or goods are custom made.)Payment before shipment（发货（发货前付款）前付款）The buyer pays when the seller has got the goods ready for shipment.18In case of cash with order or payment before shipment,the buyer usually remits the payment to the seller.（3）Ways of Remittance（汇付的（汇付的方法）方法）M/T 信汇信汇（Mail Transfer）信汇信汇是指是指汇款人汇款人向当地银行交付本国向当地银行交付本国货币，由银行开具货币，由银行开具付款委托书付款委托书，用航空，用航空邮寄邮寄到国外分行或代理行，办理付到国外分行或代理行，办理付出外汇业务。出外汇业务。信汇汇率信汇汇率低于电汇低于电汇汇率。汇率。19 T/T 电汇电汇(Telegraphic transfer)电汇电汇是汇款人将一定款项是汇款人将一定款项交给汇款银行交给汇款银行，汇款银行通过汇款银行通过电报或电传电报或电传发给目的地分行或代发给目的地分行或代理行，指示理行，指示汇入行向收款人支付汇入行向收款人支付一定金额的一一定金额的一种汇款方式。种汇款方式。D/D 票汇票汇（Demand Draft）票汇票汇是进口人向进口地银行是进口人向进口地银行购买购买银行银行汇票汇票寄给寄给出口人，出口人，出口人出口人凭此向汇票上指定的银行凭此向汇票上指定的银行取款取款的一种汇款方式。的一种汇款方式。BACK202.Documentary Collection（跟单托收）（跟单托收）The seller ships the goods and obtains documents,the seller then sends the documents to the remitting bank.After checking the document,the remitting bank sends those documents to the collecting bank,then the collecting bank notifies the buyer to pay and pick up the documents.21跟单托收的跟单托收的概念概念 跟单托收跟单托收是指银行收到是指银行收到客户客户提交提交的出口托收全套的出口托收全套单据单据后，对后，对单据单据进行进行审核、审核、缮制面函缮制面函，寄单索汇寄单索汇，收汇入，收汇入账的一种国际结算业务。账的一种国际结算业务。22(1)Operation of Documentary CollectionSellerRemitting BankShip the Goods and Assemble Doc&DraftPresenting BankBuyerContractCollecting Bank23(2)Parties involved in documentary collection Principal（委托人委托人卖方卖方）Remitting Bank（寄单行寄单行托收托收行）行）Presenting Bank（呈单行呈单行）Collecting Bank（代收行代收行）Payer（付款人付款人买方买方）24 (3)Types of documentary collection Documents against Payment(D/P)（付款交单付款交单）1)D/P at sight（即期付款交单）（即期付款交单）2)D/P after sight（远期付款交单）（远期付款交单）Documents against Acceptance(D/A)（承兑交单）（承兑交单）BACK254.Open Account（记账）（记账）In open account,the seller ships the goods and sends the documents,and stipulates a time period in which payment is to be effected.26 (1)There is high risk with open account,the seller should consider:Buyers credit standing Relationships Prior experience27 (2)Open account are frequently used:Between big companies Company branches Affiliated companies28The End29