外贸英语函电 第七章.ppt

Chapter Seven Terms of Payment ;Structure;Functions of payment;1. Remittance（汇付） According to the terms and time stipulated in the contract, the remittance is classified into 3 kinds: 1)Mail transfer (M/T) （信汇）：by mail 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。 2)Telegraphic transfer (T/T)（电汇）：by cable 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。 ;3)Demand draft (D/D)（票汇）：The buyer buys a draft 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 sent by the buyer. 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。 ;2. Collection（托收）是出口人在货物装运后，开具以进口方为付款人的汇票（随附或不随付货运单据），委托出口地银行通过它在进口地的分行或代理行代出口人收取货款一种结算方式。 1)The remitting bank（托收行）：appointed by the exporter to collect the proceeds of sales. 2)The collecting bank（代收行）：appointed by the remitting bank to collect the proceeds from the importer, usually a branch office abroad or a correspondent bank of the remitting bank. ;3)Kinds of collection A) Documents against payment (D/P): 付款交单 D/P at sight; D/P after sight 是出口人的交单以进口人的付款为条件，即出口人将汇票连同货运单据交给银行托收时，指示银行只有在进口人付清货款时，才能交出货运单据 B) Documents against acceptance (D/A):承兑交单 D/A is always after sight 指出口人的交单以进口人在汇票上承兑为条件。即出口人在装运货物后开具远期汇票，连同商业单据，通过银行向进口人提示，进口人承兑汇票后，代收银行即将商业单据交给进口人，在汇票到期时，方履行付款义务。承兑交单是进口人只要在汇票上办理承兑之后，即可取得商业单据，凭以提取货物。 ;;Case one;pay v. 付（款，费用） pay in advance 预付 Pay by installments 分期付款 pay on delivery 货到付款 ★ payable a. 应付的（款项）；可付的 bills payable 应付票据 amount payable 应付金额 account payable 应付账款 a check payable at sight 见票即付的支票;payment n. 支付，支付的款 payment in advance 预付货款 deferred payment 延期付款 cash payment 现金付款 in payment of 付某种费用的款，如发票、佣金等 in payment for 付某种具体实物的款，如广告、商品、样品等 ;We enclose a check for US＄3，000 in payment of all commissions due to you up to date. 随信附上3000美元