国际支付与结算4.pptVIP

? ? ? ? ? disadvantages of remittance by airmail: 信汇缺点 (1) It is possible for the mail transfer order to be delayed or lost in the post, thus causing difficulty for its payment. 支付命令延迟或遗失引起支付困难 (2) As the mail transfer exclusively depends on international airmail service, its transmission is slower than that of T/T and cannot serve the purpose of quick payment. 完全依赖国际邮政服务，速度较慢 (3) Unlike the remittance by demand draft, the beneficiary must await notification from the bank concerned. 必须等到银行通知才能付款。 ? ? ? ? ? disadvantages of remittance by cable: 电汇缺点 (1) It is more expensive as compared with M/T or D/D, but if the amount transferred large, the interest cost which should be otherwise incurred due to time delay can be served. 昂贵 (2) The beneficiary must await notification from the bank concerned. 必须等到银行通知才能付款。 Summary ? ? ? The advantages and disadvantage of the three methods of three methods of fund transfer have to be balanced when transferring funds. Generally speaking, airmail remittance is less than T/T or D/D nowadays, except for small amount remittances made by individuals for family maintenance, cash gift,etc. （只有小额用信汇） T/T is favorable to the seller. He can get money at an early date, speed up the turnover of funds, increase the income of interests and avoid the risk of fluctuation in the exchange rate. （电汇可以减少利息 损失和避免汇率波动风险） ? ? However, the buyer has to pay more cable expenses and bank charges. Therefore, if T/T is not definitely stipulated in the transaction, the buyer makes payment only by M/T . 买方付更多银行费用，如果合 同没有明确电汇，买方用信汇。 Sometimes the amount of payment is comparatively large, the money market fluctuates greatly and the currency of settlement being used is likely to devaluate. In these cases, T/T is preferable, and T/T should be definitely stipulated in the contract. However, the seller should prevent the buyer from forcing the contractual price down under the pretext of bearing more expenses. 如果金额大且汇率波动较大最好在合 同中定义用电汇。买方防止买