外贸函电0909 专Lecture 17 Terms of payment (Unit 8).ppt

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1、Lecture 17 Terms of PaymentLecture 17 Terms of PaymentObjectives:After this section you will:1.be able to translate 3 main terms of payment and procedures.2.be able to write a letter of payment.Modes of PaymentL/CRemittance T/T(telegraphic transfer)M/T(mail transfer)D/D(demand draft)Collection D/P(D

2、ocument Against Payment)D/A(Document Against Acceptance)Main&Difficult PointsPayment is an important issue in international trade.No export transaction can be regarded as successful until the money has been paid for the goods delivered overseas,and the proceeds have been safely credited to the expor

3、ters account.In international trade,there are major modes of payment that the buyers may adopt namely letter of credit(L/C),remittance and collection.L/C is used in cases where the exporter wishes to avoid the risk,and it involves a guarantee of the bank opening the L/C.It is the most common form of

4、 payment in international business.A letter of credit is a document issued by a bank(issuing bank)stating its commitment to pay the seller a stated amount of money on behalf of the buyer as long as the seller meets very specific terms and conditions.Letters of credit are more formally called documen

5、tary letters of credit,and are with different types.Payment sometimes is made by collection or remittance.These two modes of payment rely on commercial credit between sellers and buyers.Remittance means the buyer send the payment through bank or other forms to the receiver initiatively.It is divided

6、 into three forms of mail transfer(M/T),telegraphic transfer(T/T)and demand draft(D/D).Collection 托收托收uncountable the act of obtaining money that is owed to you collect,collector:a debt collection agencyRemittance 汇付汇付 countable formal an amount of money that you send to pay for somethingCollection

7、means the creditor issues the bill of exchange and entrusts the bank to collect the payment of the shipment.It has two forms of documents against payment(D/P)and documents against acceptance(D/A).Key Words&Expressionspayproposal amountinvolvefiguredrawaccommodate L/Ctie up fundLetter 1 Payment by D/

8、P Language Points1.pay v.付（款，费用）；付款；（对付（款，费用）；付款；（对）注意）注意 to pay in advance 预付预付 to pay by installments 分期付款分期付款 to pay on delivery 货到付款货到付款 to pay by 30 days L/C 30天期信用证付款天期信用证付款to pay by time L/C at 30 days We trust you will pay our draft on presentation.1)我们相信你方在见到我们的汇票时即照付。我们相信你方在见到我们的汇票时即照付。Lan

9、guage PointsThe price of goods is payable by installments.2)货款可以分期支付。货款可以分期支付。q payable adj.应付的（款项）；可付的应付的（款项）；可付的 bills payable 应付票据应付票据 amount payable 应付金额应付金额 account payable 应付帐款应付帐款 a check payable at sight 见票即付的支票见票即付的支票 Language Pointsq payment n.（不可数）支付；（可数）支付的款不可数）支付；（可数）支付的款 payment terms

10、支付条件；付款条件支付条件；付款条件 terms of payment 支付条件；付款条件支付条件；付款条件 payment in advance 预付货款预付货款 deferred payment 延期付款延期付款 cash payment 现金付款现金付款 payment on deferred terms 迟期付款迟期付款 monthly payments of US$3,000 每月付款每月付款3000美元美元 in payment of 付某种费用的款，如发票、费用、佣金等付某种费用的款，如发票、费用、佣金等 in payment for 付某种具体实物的款，如广告、商品、样付某种具

11、体实物的款，如广告、商品、样品等品等 Language Points1)随函附上随函附上3000美元支票一张，以支付截美元支票一张，以支付截至目前所欠你方的全部佣金至目前所欠你方的全部佣金。We enclose a check for US$3,000 in payment of all commissions due to you up to date.2)收到你方收到你方300美元支票一纸，支付我方上个月美元支票一纸，支付我方上个月寄给贵公司的样品。寄给贵公司的样品。We have received your check for US$300 in payment for the samp

12、les we sent you last month.Language PointsWe have heavy payment to make before the end of this month.4)本月底我们要支付一些巨额款项。本月底我们要支付一些巨额款项。Our payment terms are by a confirmed,irrevocable L/C payable by draft at sight.3)我们的付款条件是以保兑的，不可撤销的我们的付款条件是以保兑的，不可撤销的即期信用证支付。即期信用证支付。2.propose n.transitive formal to s

13、uggest something as a plan or course of action 提议提议 遗憾不能接受你方改变付款方式的提议遗憾不能接受你方改变付款方式的提议 We regret that we cannot accept your proposal for changing in payment.Language Points proposal n.提议提议 Language Points3.amount n.v.数额；金额；总额；数额；金额；总额；（金额）合计；达到（金额）合计；达到 in the amount of 金额计金额计 to the amount of 金额计金额

14、计 for the amount of 金额计金额计 to amount to 金额达到金额达到 to come to an amount of 金额金额达到达到 1)In view of the small amount of this transaction,we are prepared to accept payment by D/P at sight(or at 30 days sight)for the value of the goods shipped.我们随函附寄银行汇票一张，金额计人民币我们随函附寄银行汇票一张，金额计人民币34，980元，已扣除元，已扣除2%的折扣。的折扣

15、。2)We enclose a bank draft for RMB￥34,980,being the amount less 2%discount.鉴于此笔交易的金额较小，我们准备接受以即期的鉴于此笔交易的金额较小，我们准备接受以即期的付款交单（或付款交单（或30天的付款交单）向你方收取货款。天的付款交单）向你方收取货款。Language Points4.involve v.涉及；包括；牵涉涉及；包括；牵涉 发生的额外保险费将由买方负担。发生的额外保险费将由买方负担。1)The extra premium involved will be for buyers account.2)此事涉及专

16、利、设备的作价及产品销售此事涉及专利、设备的作价及产品销售量等一系列问题。量等一系列问题。The matter involves a series of problems,such as patent,pricing of equipment and sales volume of the product.We dont want to involve you in any unnecessary trouble and expenses.Language Points4)我们不想给你方带来任何不必要的我们不想给你方带来任何不必要的麻烦和费用。麻烦和费用。航空邮寄此货，费用昂贵。航空邮寄此货，

17、费用昂贵。3)To airmail the goods would involve a lot of expenses.Language Points5.figure n.数字（指价格）数字（指价格）a particular amount of money 我们不能按照你方价格成交。我们不能按照你方价格成交。We cannot do business at your figure.The figure quoted by you is too high.你方报价太高。你方报价太高。Analyzing the LetterParagraph One:identifying the referen

18、ce Paragraph Two:accepting the proposal,giving the reasons Paragraph Three:making it clear that the concession does not apply to future transactions Paragraph Four:stating the wishes/hopes Comments:This letter is brief and to the point.It tells the recipient exactly that the concession is only for t

19、his deal,and cannot set precedent for future transactions.Chinese version of the letter 1（付款交单）（付款交单）敬启者：敬启者：我我方方已已收收到到1 1月月4 4日日关关于于询询问问使使用用付付款款交交单单方方式式付付款款的的电电子子邮邮件件。经经过过仔仔细细的的研研究究你你方方建建议议，我我们们同同意意使使用用付付款款交交单单方方式式支支付付本本单单货货物物。但但是是我我们们认认为为有有必必要要明明确确：在在今今后后的的交交易易中中，只只有有单单笔笔交交易易金金额低于额低于3 3，000000美元时才

20、可使用付款交单方式付款。美元时才可使用付款交单方式付款。但但是是我我们们认认为为有有必必要要明明确确：在在今今后后的的交交易易中中，只只有有单单笔笔交交易易金金额额低低于于3 3，000000美美元元时时才才可可使使用用付付款款交单方式付款。交单方式付款。如果金额超过这个数目，请使用信用证付款。如果金额超过这个数目，请使用信用证付款。谨上，谨上，克拉克克拉克 ABCABC有限公司有限公司Letter 2 Order no.897 Language Points draw a draft on sb for an amount against sth draw on sb at sight fo

21、r an amount against sthq 根据根据向某人开出金额为向某人开出金额为的的汇票汇票 to accept a draft 承兑汇票承兑汇票 to honor a draft 承兑汇票承兑汇票 to dishonor a draft 拒付汇票拒付汇票 draw 开出（汇票）开出（汇票）Language Points1)我我们们遗遗憾憾地地得得知知你你方方拒拒付付了了我我们们三三十十天期的汇票。天期的汇票。We regret that note that our 30days draft drawn on you was dishonored.2)我我们们已已根根据据这这些些单单

22、据据通通过过亚亚洲洲银银行行向向你你方方开开立立了发票金额的即期汇票。了发票金额的即期汇票。We have drawn a sight draft on you against the documents for the amount of invoice through the Bank of Asia.Please confirm that we can draw on you at 60days after sight for US$28,000 against your Order No.328.3)请请确确认认我我们们可可以以就就你你328号号订订单单向向你你方方开开出出金金额为两万

23、八千美元的六十天远期汇票收款。额为两万八千美元的六十天远期汇票收款。Language PointsChinese version of the letter 2敬启者敬启者/执事先生：执事先生：兹兹欣欣然然通通知知：你你方方去去年年12 12 月月所所订订购购的的笔笔记记本本电电脑脑已已做做好好装装运运准准备备。该该货货将将由由“昆昆仑仑”号号轮轮船船在在宁宁波港装出，预定于波港装出，预定于2 2月下旬到达巴生港。月下旬到达巴生港。我我们们已已按按通通常常的的付付款款条条款款，向向你你方方开开具具6060天天期期汇汇票票，并并将将汇汇票票及及装装运运单单证证交交给给我我方方银银行行。该该汇汇票

24、票将在你方按惯例承兑汇票时，由花旗银行递交你方。将在你方按惯例承兑汇票时，由花旗银行递交你方。谨上谨上 刘萍刘萍 BCD BCD 有限公司有限公司Chinese version of letter 3（电汇付款）（电汇付款）敬启者敬启者/执事先生：执事先生：关关于于988988号号合合同同的的裙裙子子，价价值值6 6，000000人人民民币币，以以及及998998好合同丝质女士衬衣，价值为好合同丝质女士衬衣，价值为9 9，000000人民币。人民币。由由于于这这两两个个合合同同都都低低于于1010，000000人人民民币币，如如果果你你们能以电汇方式发货，我们将不胜感激。们能以电汇方式发货，我

25、们将不胜感激。希希望望你你方方能能在在这这方方面面给给予予通通融融，期期待待收收到到你你们们的肯定答复。的肯定答复。谨上谨上 迈克迈克 BCD BCD 有限公司有限公司Letter 3 Payment by T/T Language Points accommodate v.通融；照顾通融；照顾 accommodation n.通融；照顾通融；照顾 accommodating adj.helpful and willing to do what someone else wants unaccommodating adj.不肯通融的；不肯照顾的不肯通融的；不肯照顾的 1)银行正在考虑给我们提供

26、一笔三年期贷款。银行正在考虑给我们提供一笔三年期贷款。The bank is considering accommodate us with a three-year loan.Language PointsWe hope you will accommodate us by allowing 5%commission.4)望你方能照顾允许给我方佣金百分之五。望你方能照顾允许给我方佣金百分之五。2)作作为为一一项项特特殊殊照照顾顾，我我们们接接受受三三十十天天的的远远期信用证。期信用证。3)希望你方不要认为我们是不肯通融的希望你方不要认为我们是不肯通融的。As a special accomm

27、odation,we will accept time L/C at 30 days.We sincerely hope that you will not think us unaccommodating.Letter 4 Payment by L/C Language Pointsletter of credit 信用证信用证q信用证的种类：信用证的种类：Confirmed L/C 保兑的信用证保兑的信用证 Unconfirmed L/C 未保兑的信用证未保兑的信用证 Sight L/C 即期的信用证即期的信用证 Time L/C 远期的信用证远期的信用证 Revocable L/C 可撤

28、销的信用证可撤销的信用证 Irrevocable L/C 不可撤销的信用证不可撤销的信用证 Language PointsTransferable L/C 可转让的可转让的 Non-transferable L/C 不可转让不可转让 Divisible L/C 可分割的可分割的 Indivisible L/C 不可分割的不可分割的 Documentary L/C 跟单跟单Chinese version of letter 4（信用证付款）（信用证付款）敬启者敬启者/执事先生：执事先生：很高兴你方很高兴你方20072007年年1111月月2424日来信。日来信。很很高高兴兴收收到到你你方方关关于

29、于AE135AE135闹闹钟钟的的订订单单，该该批批货品我们有足够的库存，一定会准时交货。货品我们有足够的库存，一定会准时交货。付付款款方方式式请请用用保保兑兑的的、不不可可撤撤消消的的凭凭汇汇票票付付款款的的即即期期信信用用证证。等等你你方方信信用用证证一一到到，我我们们就就可可以以做做装装运运安安排排。你你方方若若有有任任何何疑疑问问以以及及需需要要任任何何帮帮助和信息，我方都会尽力帮助解决。助和信息，我方都会尽力帮助解决。谨上谨上 克拉克克拉克 ABC ABC 有限公司有限公司Chinese version of letter 5（即期汇票）（即期汇票）敬启者敬启者/执事先生：执事先生：

30、很很高高兴兴收收到到你你方方1 1月月5 5日日的的询询盘盘。随随信信附附上上我我们们的产品目录以及价格清单。的产品目录以及价格清单。通通常常我我们们只只接接受受保保兑兑的的、不不可可撤撤消消的的凭凭即即期期汇汇票票付付款款的的信信用用证证。汇汇票票要要求求装装船船日日一一个个月月之之前前到到达达我我方方，并并且且在在规规定定的的装装船船日日起起20天天内内在在中中国国议议付有效。付有效。而且允许转运和分批装运。而且允许转运和分批装运。希希望望贵贵方方可可接接受受我我方方的的支支付付方方式式，并并期期待待贵贵方方的试订单。的试订单。谨上谨上 丹尼丹尼 绿色产品进出口有限公司绿色产品进出口有限公

31、司Letter 6 Reply to Draft at Sight Language Pointsties up funds 占压资金占压资金 tying up funds 占压资金占压资金 tie-up of funds 占压资金占压资金 The request for easier payment terms is compelled by their funds being tied up in numerous commitments.由由于于资资金金被被许许多多业业务务占占用用，他他们们迫迫不不得得已已要要求求较较宽容的付款条件。宽容的付款条件。Chinese version of

32、letter 6（即期汇票回复）（即期汇票回复）敬启者敬启者/执事先生：执事先生：我我们们已已收收到到你你方方1 1月月8 8日日来来信信，希希望望订订购购你你方方1010，000000台台低耗能复印机，装运期是三月。低耗能复印机，装运期是三月。在在过过去去的的几几年年里里，我我们们一一直直以以即即期期信信用用证证的的方方式式同同你你方方方方交交易易，而而且且我我们们总总是是立立即即清清账账。这这个个订订单单的的金金额额为为2 2，000000，000000美美元元的的大大订订单单，资资金金积积压压3 3个个月月会会给给我我们们带带来来麻麻烦烦。因此，对于此订单，我们希望采用因此，对于此订单，

33、我们希望采用3030天远期信用证付款。天远期信用证付款。希希望望收收到到你你方方肯肯定定回回复复以以及及你你方方的的销销售售确确认认书书。如如果果这这次次你你们们能能帮帮我我们们一一次次忙忙，请请尽尽早早寄寄出出你你们们的的销销售售确确认认书书以便我们立即开立信用证。以便我们立即开立信用证。谨上谨上 约翰约翰 阳光农产品进出口有限公司阳光农产品进出口有限公司 KEY TO PRACTICE(Unit 8)I.Translate the following business terms and expressions1.terms of payment 2.D/D(Demand Draft)3.

34、collection4.remittance5.D/P(document against payment)6.D/A(document against acceptance)7.shipping documents 8.draft9.T/T(Telegraphic Transfer)10.irrevocable L/CII.Translate the following sentences into Chinese.1.我们的支付方式是以保兑不可撤消的、凭即我们的支付方式是以保兑不可撤消的、凭即期汇票支付的信用证。期汇票支付的信用证。2.2.因为这次交易额大，而且目前国际金融市场因为这次交易额

35、大，而且目前国际金融市场很不稳定，所以我们除接受信用证付款外，很不稳定，所以我们除接受信用证付款外，不能接受别的付款方式。不能接受别的付款方式。3.3.此次订货，我们建议你们使用信用证。收到此次订货，我们建议你们使用信用证。收到信用证后，我们将把货物装上第一条可定到信用证后，我们将把货物装上第一条可定到的船。的船。4.4.为了做成这批生意，希望双方都各让步一半。为了做成这批生意，希望双方都各让步一半。百分之五十以信用证百分之五十以信用证 付款，百分之五十按付付款，百分之五十按付款交单怎么样？款交单怎么样？5.5.我想同你讨论一下付款条件。不知你能否接我想同你讨论一下付款条件。不知你能否接受承兑

36、交单的方式。受承兑交单的方式。6.6.由于我们必须坚持我们的一贯做法，我由于我们必须坚持我们的一贯做法，我们希望你不要认为我们是不肯通融的。们希望你不要认为我们是不肯通融的。7.7.我们已通知我方银行开立以你方为受益我们已通知我方银行开立以你方为受益人的、不可撤消的、跟单信用证，其金人的、不可撤消的、跟单信用证，其金额为一千三百美金。额为一千三百美金。8.8.我们已经考虑过了你方电汇的要求，并我们已经考虑过了你方电汇的要求，并同意给予你们这个方便。同意给予你们这个方便。9.9.我们希望你们对这笔交易和今后的交易我们希望你们对这笔交易和今后的交易接受信用证付款方式。接受信用证付款方式。10.10

37、.货物装运后，我们将向你方开出见票六货物装运后，我们将向你方开出见票六十天内付款的汇票，请到期即付。十天内付款的汇票，请到期即付。III.Translate the following sentences into English.1.You no doubt know we request payment by L/C available against draft at sight.2.The terms of payment we usually adopt are confirmed and irrevocable letter of credit.3.As for regular o

38、rders in future,could you agree to time L/C?4.To open a L/C will add to the cost of our imports.5.The irrevocable L/C gives your exports the protection of a bankers guarantee.6.L/C at sight is normal for our export to your country,so we can hardly make any exception this time.7.It is expensive to op

39、en a L/C and ties up the capital of a small company like ours.So its better for us to adopt D/P or D/A.8.We shall open an irrevocable letter of credit in your favor,payable in Hong Kong against shipping documents.9.We usually accept payment by irrevocable L/C payable against shipping documents.10.We

40、 agree to accept L/C available by draft at 30 days sight.Ex IV Dear Ting Men:We refer to our Order No.567 for womens blouses and sweaters.As this order totals less than$3000,we would request that you agree to ship the goods to us on D/P basis.As you know,establishing a letter of credit charges much,

41、and we would like to keep the costs down so that we may provide our customers with a reasonable price.We hope that you will accommodate us in this respect and continue to supply us with products on the same basis.We look forward to your reply.Yours Sincerely,Yang Yuan ABC Co.,Ltd.Practice LessonsII.

42、Make Choices：1.payments should be made sight draft.2.Payment by L/C is our method of trade in chemicals.3.Mr.Yin could agree D/P terms.4.90%of the credit amount must be paid the presentation of documents.a)at b)upon c)by d)after a)negotiating b)settling c)financing d)assisting a)with b)to c)in d)eve

43、ra)at b)by c)against d)when cbbc Practice Lessons5.You dont say whether you wish the transaction to be _ cash or credit.6.We shall be glad if you agree to ship the goods to us as before Cash Against Documents basis.7.We have opened an L/C in your favour the amount of RMB￥20000.8.If the amount exceed

44、s that figure,payment L/C will be required.a)at b)by c)on d)ina)with b)during c)in d)on a)on b)in c)by d)at a)at b)by c)for d)in dbdbb Practice Lessons9.From the enclosed copy of invoice you will see that price of US$1800 is well the maximum figure you stated.10.We enclose a cheque for US20000 payme

45、nt of all commissions due you up to date.11.We make purchases our own account.a)in b)on c)for d)with 12.We will draw you by our documentary draft at sight on collection basis.a)in b)within c)between d)at a)to b)by c)in d)at a)at b)up c)on d)for bcabc HOMEWORKFinish add.ex.of Unit 8.Preview Unit 9Thank you!Thank you!