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1、Unit 10 Terms of Payment,Lily Zhang,Terms of Payment,The terms of payment are an important part of the sales contract both sellers and buyers are concerned about. Conditions under which the seller and buyer agree to settle the financial amount of the sales contract.,Warm- up,How many basic methods o
2、f payment do you know? Have you ever heard about L/C? Why is L/C generally used in international trade?,Remittance (汇付),Remittance (汇付) 又称汇款，是指进口商将货款交由银行汇给出口商，或债务人（汇款人）通过银行，使用各种结算工具将款项支付给债权人的结算方式,1、电汇Telegraphic Transfer, T/T 电汇是汇出行应汇款人的申请，用电报或电传的方式通知它在收款人所在地的联行或代理行，解付一定款项给收款人的汇款方式。 电汇方式速度快、费用高，因此一般
3、只在金额较大或有急用的情况下才采用。 2、票汇D/D： 票汇是汇出行应汇款人的申请，代汇款人开立以汇入行为付款人的银行即期汇票，支付一定款项给收款人的汇款方式。 3、信汇M/T 信汇是汇出行应汇款人的申请，将信汇委托书寄交给汇入行，授权起解付一定款项给收款人的汇款方式。信汇用信函的形式通知，故费用低廉，速度较慢。,Collection (托收),出口方根据外贸合同规定将货物装运出口后，开立以进口方为付款人的商业汇票并附上有关单据，委托当地银行通过进口方所在地银行向进口方代收货款后汇回出口方的一种结算方式。,主要涉及两种即： a. D/P (document against payment)付款
4、交单: 代收行在收到进口方货款后，将汇票及所附的货运单据交付给出口方。按时间不同又分为即期付款交单(D/P at sight)和远期付款交单(D/P after sight) D/A (document against acceptance)承兑交单: 出口方在货物付运后，开具以进口方为付款人的远期汇票，连同各种货运单据一并交委托行寄往进口方代收行；代收行在进口方承兑汇票后，将跟单汇票交给付款人，进口方于汇票到期日付清货款。,信用证Letter of Credit,L/C: the most generally used method of payment, which is reliable
5、 and safe for both sellers and buyers. 信用证是国际贸易中进口方银行用来保证本国进口商有支付能力的凭证。是进口方所在地银行，根据进口方的申请和担保，对出口方开出的一种信函式的凭证，通过出口方所在地银行，通知出口方，由开证行负责在出口方交付信用证规定的各种装运单据时，支付全部货款。,Listening task 2,Types of L/C,1. According to the attaching of documents： 依照可否有单据来分 1) Clean credit光票 2) Documentary credit跟单 2. According t
6、o the revocability of credit： 按是否能撤消来分 1) Revocable credit可撤销 2) Irrevocable credit不可撤销 3. According to the transferability of credit： 依照受益人对信用证的权利能否转让来分 1) Transferable credit可转让 2) Non-transferable credit不可转让 4. According to the adding of confirmation： 依照有无另一家银行保兑来分 1) Confirmed credit保兑 2) Unconf
7、irmed credit不保兑,5. According to the time of payment 按付款时间来分 1) Sight credit即期 2) Usance or time credit远期 6. According to the method of payment 按照付款方式来分 1) Payment credit付款 2) Deferred payment credit延期付款 3) Acceptance credit承兑 4) Negotiation credit 议付 7. According to the credit amount to be used revo
8、lvingly 是否可自动循环 1) Automatic自动循环 2) Semi-automatic半循环 3) Non-automatic非循环 8. Other credits 1) Red clause credit红条款信用状 2) Back to back credit对背 3) Reciprocal credit对开信用 4) Standby credit 备用信用证,Listening task 1,Summery,Match the following.,Remittance Collection L/C,托收 信用证 汇付,Mail transfer D/P at sight
9、 Telegraphic transfer Documentary L/C Documents against Acceptance Demand draft D/P after sight Documents against Payment,跟单信用证 电汇 票汇 信汇 承兑交单 付款交单 即期付款交单 见票远期付款交单,Part 3 Language Focus,Shall we discuss the term of payment? What is your regular practice about terms of payment? What are your terms of
10、payment? How are we going to arrange payment?,Currency for payment,How will the currency be exchanged? Are there any currency restrictions(外汇限制。) in your country? In what currency would you like the payment to be made? We may have some difficulties with a payment in cash? Its our usually practice to
11、 make the payment via an L/C. Have you taken the exchange rate汇率 into consideration? What do you think of payment in pounds sterling英镑 instead of US dollar? Wed prefer to receive payment in hard currency硬通货.,Ps. 结算货币都是指世界上认可度高的货币，比如美元、欧元、日元、英镑等。2009年7月6日，中国银行和交通银行首笔跨境贸易人民币结算业务同时启动。这标志着人民币在国际贸易结算中的地位
12、已经从计价货币升至结算货币。 硬通货是指国际信用较好、币值稳定、汇价呈坚挺状态的货币,是由高度工业化国家发行。,Method of payment,I wonder if you accept D/P or D/A? Whats your usual practice concerning payment? Could you possibly make and exception and accept a T/T transfer? It would be a great help if you could accept D/D. What mode of payment do you pr
13、efer? What do you say if we make half the payment in cash and half via an L/C.,The only method of payment we can accept is an L/C/ As its our first transaction, we suggest 50% via an L/C and the balance by D/P. We request an L/C at sight from all our customers. The method of payment we usually adopt
14、 is payment via a confirmed and irrevocable L/C.,Payment by L/C,We require payment via a letter of credit. For a new client, we cant accept any terms of payment other than an L/C. Well issue the L/C one month before the shipment. Since the international monetary market国际货币市场 is rather unstable, we a
15、lways use L/Cs for our business transactions. PS：What does IMF mean?,Establishment an L/C,Please open a letter of credit in good time. We required documentary credit to be opened at the Peoples Bank of China. When should we open the L/C if the goods are to be delivered before March?,Duration of the
16、L/C,The expiration date of this L/C is the 1st of May. Whats the validity period of the letter of credit? The L/C will remain valid until the 15th day after shipment. The L/C was cancelled due to the expiry of its validity.,Video 1 Lump sum payment,A lump sum payment refer to a single payment for the total amount due, as opposed to a series of periodic payments. Who do you think benefit the most from this kind of payment? It may spare the seller the col
