Unit9PaymentandLC支付与信用证.ppt

外贸英文函电 Chapter 9 Payment and L/C Objectives Upon completion of this chapter, the students will: understand the flow chart of L/C. be able to urge the opening of the relative L/C. be able to check the L/C. be able to make the amendment by business letter Lead in In international trade, payment is very complicated. The sellers and buyers run certain risks of non-payment or non-delivery. Who can be entrusted (委托）to make guarantee? the bank Lead in Payment instruments in our daily life: cash card (刷卡） credit (赊账） * cheque (支票） Lead in Payment instruments in international trade: Cheque 支票 (seldom used ) Promissory notes 本票 Bills of exchange / draft 汇票 (the most popular) Cheque 支票 Promissory Note 本票 Bill of Exchange 汇票 Lead in What are the major modes of payment in international trade ? L/C 信用证 Collection 托收 Remittance 汇款 Introduction A). Remittance 汇款 Mail Transfer M/T 信汇 Telegraphic Transfer T/T 电汇 demand draft D/D 票汇 B). Collection 托收 Documents against payment D/P 付款交单 Documents against Acceptance D/A 承兑交单 Introduction C). Letter of Credit L/C 信用证 Irrevocable L/C 不可撤销信用证 Confirmed L/C 保兑信用证 Divisible L/C 可分割信用证 Transferable L/C 可转让信用证 Sight L/C 即期信用证 Time /Usance L/C 远期信用证 Anticipatory L/C 预支信用证 Revolving L/C 循环信用证 Clean L/C 光票信用证 Documentary L/C 跟单信用证 Back-to-back L/C 转开信用证 Standby L/ C 备用信用证 Confirmed, irrevocable documentary L/C is the most popular for the seller 汇款(Remittance)是指进口人按约定的条件和时间将货款通过银行付给出口人的支付方式。 买卖双方能否履行合同，完全取决于彼此的信用, 并不涉及银行的信用，因此它纯属商业信用 信汇是进口人将汇款及手续费交付给汇款地的一家银行(汇出行)，委托该银行利用信件转托受款人所在地的银行(汇入行)，将货款付给出口人。 电汇是指进口人将汇款及手续费付给当地一家银行(汇出行)，要求该银行用电传或电报通知其国外受款人所在地的分支行 (汇入行)将汇款付给出口人。 票汇是进口人向其当地银行(汇出行)购买银行即期汇票，并直接寄给出口人，出口人收到该汇票即可凭以向指定的付款银行取款。 D/P 付款交单, 即进口方付款后，出口方才向银行提交单据，进口方才能向代收银行领取单