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1、Unit 8 Terms of Payment 支付方式 Business Letters Objectives p To know about payment terms p To learn the phrases and expressions about payment p To learn how to write a business letter about payment Business Letters pPayment is one of the most important steps in international trade. pThe method of paym
2、ent for each transaction is to be agreed upon between the two trading parties at the time of placing an order. pThree methods in general: Remittance 汇付 Collection 托收 L/C (letter of credit) 信用证 I. Introduction Business Letters 1、 credit instruments 信用工具 2、 modes of payment 支付方式 3、 documents 单据 Intern
3、ational Settlement 国际结算 Business Letters International settlement Notes(票据) Bill of Exchange/draft 汇票 Promissory Notes 本票 Check 支票 1.Credit Instruments 信用工具 Note/bill is an unconditional order in writing requiring the payer to pay a sum of money to the bearer or to the order of a third person at a f
4、ixed time. Business Letters International settlement Notes Bill of Exchange（汇票）: is an unconditional order in writing prepared by one party (drawer) and addressed to another (drawee) directing the drawee to pay a specified sum of money to the order of a third person (payee), or to the bearer, on dem
5、and or at a fixed and determinable future time. Promissory Note（本票）: is an unconditional order in writing made by one party (issuer) to pay a sum of money to the other (payee), either at a fixed or determinable future time or on demand of the payee, under specific terms. Check（支票）: is defined as an
6、unconditional order in writing drawn on a bank (drawee) signed by the drawer, requiring a bank to pay on demand a certain sum of money to the order of a named person or to the bearer. Business Letters Sample for draft Business Letters 2. Modes of Payment 支付方式 Remittance 汇汇付 Mail Transfer (M/T) 信汇汇 T
7、elegraphic Transfer (T/T) 电汇电汇 Demand Draft (D/D) 票汇汇 Documentary Collection 跟单托收 D/P 付款交单单 D/P at sight 即期付款交单单 D/P after sight远远期付款交单单 D/A 承兑兑交单单 L/C 信用证证 Business Letters Remittance means the transfer of money from the buyer to the seller through a bank contracted. mail transfer (M/T) 信汇 telegrap
8、hic transfer (T/T) 电汇 demand draft (D/D) 票汇 Generally, only when the transactions are rather small and the finance involved is small too can remittance be accepted. Payment for samples postage, commissions and small orders is usually made by T/T. Remittance 汇付 Business Letters Remittance 汇付 T/T（电汇）:
9、 is a method of transferring funds by telecommunication system such as telex or cable. Though it is done at a fast speed, the cost is relatively high. But SWIFT(环球同业银行金融电信学会) members are able to transfer funds at a much lower cost. D/D（票汇）: the transfer can be made by a check that is sold to its cus
10、tomer. A bank instructs another branch/bank to pay upon demand a certain amount to the payee specified on the check. This check is called a bankers demand draft. M/T(信汇)：means to transfer money by mail. Society for Worldwide Interbank Financial Telecommunication 汇款人向当地银行交付 本国货币，由银行开具 付款委托书（payment o
11、rder），用航空邮寄交 国外银行办理付出外汇 业务。 Business Letters Copyright 2009 by Lao Ping, From Lingnan College, Sun Yat-sen University Relevant parties in remittance 汇款人（Remitter） 受款人（Payee or Beneficiary） 汇出行（Remitting Bank） 汇入行（Paying Bank）,又称解付行 Business Letters Copyright 2009 by Lao Ping, From Lingnan College, S
12、un Yat-sen University T/T, M/T flow chart Business Letters Copyright 2009 by Lao Ping, From Lingnan College, Sun Yat-sen University SWIFT简介 SWIFT是“Society Worldwide Interbank Financial Telecommunication”环球同业银 行金融电讯协会”的英文简称。是国际银 行同业间非营利性的国际合作组织，成立 于一九七三年，总部设在比利时的布鲁塞 尔。 Business Letters Copyright 2009
13、 by Lao Ping, From Lingnan College, Sun Yat-sen University SWIFT的特点 1.SWIFT需要会员资格。我国的大多数专业银行 都是其成员。 2.SWIFT的费用较低。同样多的内容，SWIFT的 费用只有TELEX（电传）的18%左右，只有CABLE （电报）的2.5%左右。 3.SWIFT的安全性较高。SWIFT的密押比电传的 密押可靠性强、保密性高，且具有较高的自动 化。 4.SWIFT的格式具有标准化。对于SWIFT电文， SWIFT组织有着统一的要求和格式。 Business Letters Collection(托收) mea
14、ns that the exporter draws a draft after shipment and then instructs the bank to collect the amount of money from the importer. It includes: Documents against Payment (D/P) 付款交单 D/P at sight 即期付款交单 D/P after sight 远期付款交单 Documents against Acceptance (D/A) 承兑交单 Collection 托收 Business Letters Relevant
15、 parties involved 委托人（Principal） 托收行（Remitting Bank） 代收行（Collecting Bank） 提示行（Presenting Bank） 付款人（Payer） Business Letters Principal 委托人 Remitting bank 托收行 Collecting bank 代收行 Payer 付款人 1contract 3 draft Doc. 7 $ 6 Doc. 5 $ 4 draft 2 Draft Doc. 8 $ Business Letters Collection 托收 D/P（付款交单）: means tha
16、t the collecting bank will not transfer the shipping documents to the importer until he has paid the amount of money in question. D/P at sight （即期付款交单）：requires immediate payment by the importer to get hold of documents. D/P after sight （远期付款交单）: the importer is given a certain period to make payment at 30, 45 or 60 days after presentation of t
