第八章 结算方式的选择.ppt

现代国际结算发展特点与趋势 结算方式多样化，且商业信用结算方式逐渐成为主流 结算与融资密切结合 结算方式电子化、网络化 选择结算方式的考虑因素 一、客户信用 客户的信用风险评估 对方的国别风险 国家间在银行信用、结算制度及支付传统上的差异 注意投保出口信用保险 对信用差或不熟悉的客户出口时，可选择信用证或预收货款方式结算。 对信用好或熟悉的客户出口时，可选择D/P结算。 二、货物的销售情况 出口畅销货物，可选择预收货款方式结算。 出口滞销货物，可选择信用证或D/P方式结算。 三、贸易术语 使用象征性交货贸易术语（如：CIF、CFR）时，可选择信用证方式结算。 使用实际交货贸易术语（如：EXW）时，可选择C.O.D.、C.W.O.或预收货款方式结算。 使用CFR、FOB、FCA贸易术语时，应选择信用证或预收货款，而不应选择D/P或货到后收款方式结算。 四、运输单据 使用非提货凭证的运输单据时，应选择信用证或预收货款方式，而不宜选择D/P或货到后收款方式结算。 使用海运提单（B/L）办理信用证结算时，应全套提单提交银行办理结算，而不宜将其中一份提单径交买方提货。 不同结算方式的结合使用 信用证与汇付相结合 信用证与托收相结合 跟单托收与预付押金相结合 汇付与银行保函或备用信用证相结合 托收与国际保理相结合 汇付与银行保函或信用证相结合 汇付条款 The buyer shall pay the total value to the sellers in advance by T/T (M/T or D/D) not later than 31 December 2009. 10% of the total contract value as advance payment shall be remitted by the buyers to the sellers through telegraphic transfer within one month after signing of this contract. Payment by T/T: Payment to be effected by the buyers shall not be later than 30 days after receipt of the documents listed in the contract. 托收条款 After shipment, the sellers shall send through the sellers’ bank a draft drawn on the buyers together with the shipping documents to the buyers through the buyers’ bank for the collection. Upon first presentation the buyers shall pay against documentary draft drawn by the sellers at sight. The shipping documents are to be delivered against payment only. The buyers shall duly accept the documentary draft drawn by the sellers at 30 days sight upon first presentation and make payment on its maturity. The shipping documents are to be delivered against payment only. The buyers shall pay against documentary draft drawn by the sellers at 30 days after date of B/L. The shipping documents are to be delivered against payment only. The buyers shall pay against documentary draft drawn by the sellers at 30 days after date of draft. The shipping documents are to be delivered against payment only. The buyers shall duly accept the documentary draft drawn by the selle