task6payment同terms.pptVIP

Task 6 Payment Terms payment instruments—汇票、本票、支票 Payment terms—汇付、托收、信用证 Payment clauses Remittance 汇付 一、definition Remittance The transfer of money from one party to another party through banks. 二、Parties involved 汇款人 Remitter 汇出行 Remitting Bank 汇入行 Paying Bank 收款人 Payee,Beneficiary 三、Types （一）电汇 Telegraphic Transfer(T/T) （二）信汇 Mail Transfer(M/T) （三）票汇 Demand Draft(D/D) （一）电汇 Telegraphic Transfer(T/T) It is also named as cable transfer or wire transfer At the request of the buyer, a local bank sends a trust deed for payment by cable directly to its correspondent bank at the seller’s end the entrusts the bank to it to pay money to the seller. 汇出行应汇款人的申请，以加押电报或电传发出付款委托通知书给汇入行，授权解付款项给收款人 Safety and quickness High cost SWIFT（环球银行金融电信协会 ） （二）信汇 Mail Transfer(M/T) Definition: made between banks by mail The buyer gives money to a local bank which sends a trust deed for payment to its correspondent bank at the seller’s end by mail and entrusts it to pay money to the seller. 汇出行应汇款人的申请，将信汇委托书或支付通知书通过邮政信件寄给汇入行，授权解付一定金额给收款人 features : it is slow it is cheaper 信汇和电汇的一般业务程序： （三）票汇 Remittance by Banker’s Demand Draft(D/D) Definition: The buyer buys a draft (check) from a local bank and sends it by mail to the seller, the seller or his appointed person can collect money from the relative bank at his end against the draft send by the buyer. 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付款人的银行即期汇票，交汇款人自行寄交或带交收款人，凭票向汇入行收款 Demand draft is often used when the customer wants to transfer the funds to his beneficiary by himself features It is cheaper but slower method of transferring funds. 它是更便宜但速度较慢的资金转移的方法。 Collection 一、Definition 托收是指债权人（出口人）出具债权凭证（汇票等）委托银行向债务人（进口人）收取货款。 二、Parties involved 委托人------- principal - seller (drawer) 托收行------- remitting bank 代收行-------- collecting bank /提示行 presenting bank 付款人-------- payer - buyer (drawee) 三、types of collection 光票托收 clean collection 跟单托收 documentary collection 付款交单 document