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1、Chapter Seven新编外贸英语教程International PaymentContentsTeaching ObjectivesText AnalysisSpecimen LettersChapter SevenSkill TrainingExercises新编外贸英语教程Teaching ObjectivesUpon completion of this chapter, you willnRecognize the major payment instruments in international tradenUnderstand major methods of paymen
2、t in international trade nFamiliarize the general process of using Letter of Credit and Documentary Collection and the respective involving partiesnLearn to write letters for negotiating terms of paymentText AnalysisnIntroduction to the Chaptern7.1 Nature of International Paymentn7.2 Instruments of
3、International Payment7.2.1 Draft 7.2.2 Promissory Note 7.2.3 Check n7.3 Methods of International Payment 7.3.1 Cash in Advance 7.3.2 Documentary Letter of Credit 7.3.3 Documentary Collection 7.3.4 Open Account Introduction to the Chapterl Focus of the chapteruMajor payment instruments:draft, promiss
4、ory note and checkuFour methods of payment:cash in advance, documentary collection, documentary L/C and open accountl Teaching methodsTheoretical illustration 2) its date of acceptance; 3) the date of B/L or at a fixed future date. The specified number of days is called the “usance period”.汇票 期限，汇票兑
5、现期商业汇票sight drafttime or usance draft远期汇票bankers draft银行汇票commercial draft即期汇票7.2.1 Draft u According to whether having attached shipping documents：1） ： is one that is paid without the presentation of any other documents attached. A bankers draft is usually clean.2） is one that should be paid only w
6、hen certain documents have been attached to and presented together with the draft. Commercial drafts are usually documentary. The most important document is bill of lading that represents the title to the goods. The above-mentioned types of drafts are not mutually exclusive. One draft can be documen
7、tary, commercial and usance at the same time.clean draftsdocumentary drafts光票跟单汇票7.2.1 DraftUse of Drafts: procedureIssuance is the process of making out a draft, in which the drawer fills in the items of a draft.Presentation means the holder of the draft lets the drawee sight the draft for payment
8、or acceptance. Payment or acceptance is up to whether the draft is a sight draft or a time draft.Acceptance occurs when the draft presented is a time or usance draft. After the presentation, the drawee fulfills his obligation of payment by putting the word “accepted”, his signature and the date of a
9、cceptance on the face of the draft. The accepted draft will be paid when it is at maturity upon re-presentation of the holder.Payment occurs when a sight draft is presented. Upon presentation, the drawee will pay the amount on the draft immediately. Dishonor occurs when the drawee refuses or is unab
10、le to pay or accept a draft. This draft is then called a “dishonored bill”.IssuancePresentationAcceptancePaymentDishonor出票提示承兑Issuance支付拒付7.2.1 Draft7.2.2 Promissory Note Definition A is an unconditional promise in writing made by one person (the maker) to another (the payee/the ) signed by the make
11、r engaging to pay on demand or at a fixed or determinable future time a sum of money to or to the order of a specified person or to bearer.英国票据法关于本票的定义是：本票是一人向另 一人签发的，保证即期或定期或在可以确定的将来的时 间，对某人或其指定人或执票来人支付一定金额的无条 件书面承诺。 promissory note本票holder持票人7.2.2 Promissory Note 本票的必要项目（1）写明其为“本票”字样；（2）无条件支付承诺；（3
12、）收款人或其指定人（未写明者，视同来人本票）（4）出票人签字；（5）出票日期或地点（未载明出票地点者，出票人名字旁的地点视为出票地）；（6）付款期限（未载明付款期限者，视为见票即付）（7）一定金额；（8）付款地点（未载明付款地点者，出票地视为付款地）本票的种类（1）银行本票 是由银行签发的本票，不记名，其流动性与现 钞无异，见票即付。（2）商业本票 是由工商企业或个人签发的一般本票，有即期 和远期之分。Figure 7-4 Sample Promissory NotesPromissory Note London, May 20, 1999 US$ 3,000. On the 20th Sep
13、tember 20th , 1999 fixed by the promissory note we promise to pay or order the sum of three thousand U.S. dollars only.For and on behalf of YYY (Signed)7.2.3 Check DefinitionA is an unconditional order in writing addressed by the customer (drawer) to a bank (drawee) signed by the customer authorizin
14、g the bank to pay on demanding a specified sum of money to or to the order of a named person or to bearer (payee).Features of a checku A check is a special kind of draft with the drawee is always a bank with which the drawer has an account.银行通常为受票 人，开票人在该行有账户u A check is always paid upon presentatio
15、n, that is, it can be regarded as a sight draft. If the drawer wants to write a check now but does not want the payee to collect the money immediately, the drawer can postdate the check. 见票即付u A check can be made to order, to bearer, crossed with two parallel lines for account deposit only, or certified by a bank that is going to pay. If a check is issued by a bank, it is called a bankers demand draft. 银行即期汇票check支票Figure 7-5 Flowchart of Using Check Customer (Drawer)Bank(Drawee)Bearer (Payee)authorize pay upon presentation Figure 7-6 Sample Checks Cheque for US$3,000
