国际贸易实务复习(internationaltrade)资料.docVIP

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。属于商业信用，采用顺汇法。汇付的优点在于手续简便、费用低廉。 Remittance as a type of banking services, refers to that a bank ( the remitting bank), at the request of its customers ( the remitter ), transfers a certain sum of money to its overseas branch or correspondent bank ( the paying bank), instructing it to pay to a named person ( the payee or beneficiary) domiciled in that country. 汇款根据汇出行向汇入行转移资金发出指示的方式，可分为三种方式： 1．电汇（Telegraphic Transfer，T/T） 电汇是汇出行应汇款人的申请，拍发加押电报或电传给在另一国家的分行或代理行（即汇入行）解付一定金额给收款人的一种汇款方式。 电汇方式的优点在于速度快，收款人可以迅速收到货款。随着现代通信技术的发展，银行与银行之间使用电传直接通信，快速准确。电汇是目前使用较多的一种方式，但其费用较高。 2．信汇（Mail Transfer，M/T） 信汇是汇出行应汇款人的申请，用航空信函的形式，指示出口国汇入行解付一定金额的款项给收款人的汇款方式。信汇的优点是费用较低廉，但收款人收到汇款的时间较迟。 3．票汇（Remittance by Banker’s Demand Draft，简称D/D） 票汇是指汇出行应汇款人的申请，代汇款人开立以其分行或代理行为解付行的银行即期汇票，支付一定金额给收款人的汇款方式。 票汇与电汇、信汇的不同之处在于，票汇的汇入行无须通知收款人取款，而由收款人持票登门取款，这种汇票除有限制流通的规定外，经收款人背书，可以转让流通，而电汇、信汇的收款人则不能将收款权转让。 Types: D/D ( Remittance by Banker’s Demand Draft) ---- the remitting bank, at the request of the remitter, draws a demand draft at sight on its branch or correspondence bank instructing it to make a certain amount of payment to the seller on behalf of the buyer. M/T ( Mail Transfer) ---- payment instruction given by the remitting bank is transmitted by mail or by courier. The remitter gives money to the remitting bank, which then issues a trust deed for payment and sends it to the paying bank in the seller’s place by mail, instructing him to pay the specific sum to the seller. T/T ( Telegraphic Transfer) similar to M/T except that the instructions from the buyer’s bank to its branch or correspondence bank at the seller’s end are made by cable or telex, SWIFT(环球同业银行金融电讯协会) or computer system, instead of mail. 汇票（Bill of Exchange/Postal Order/Draft/Money Order）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。汇票是国际结算中使用最广泛的一种信用工具。 Bill of Exchange also called draft, is an unconditional order in writing signed by one party ( the drawer) requiring a second party (drawe