国际贸易实务复习资料.docx

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 sellers 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