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1、Chapter Seven,Terms of Payment 支付方式,Modes of payment,There are many modes of payment in foreign trade, and commonly used are three basic ones: remittance, (T/T; M/T; D/D ) collection and L/C.,next,Telegraphic Transfer（T/T） procedure,Payee Beneficiary Creditor Exporter,Remitter Debtor Importer,Remitt
2、ing Bank,Paying Bank,T/T,申请并付款,取得交款回执,电汇委托书,核实通知并付款,寄付讫收据,remittance,Contract,Remittance 1,1. Before effect the payment, there must exist a contract between the two parties. 2. The remitter applies for the T/T and makes the payment. 3. The remitting bank returns the receipt of the payment to the rem
3、itter.,Remittance 2,4. The remitting bank sends a trust deed by cable (T/T)/ by mail (M/T) to its correspondent bank at the exporters end and entrusts it with the task to pay money to the exporter. 5. The paying bank pays to the beneficiary and returns the receipt of payment to the remitting bank fo
4、r compensation.,Demand Draft,The buyer buys a draft from a local bank and sends it by mail to the seller, and the seller can collect money from the relative bank at his end against the draft sent by the buyer.,When do we usually use the remittance?,Payment in advance 预付货款 Cash with order (CWO) 订货付现
5、Cash on delivery (COD) 货到付款 Open account trade (O/A) 赊账交易,Collection,Document Against payment (D/P) D/P at sight D/P after sight Document Against Acceptance (D/A),D/P at sight,Contract,Collecting bank Bank at importers end,Remitting bank Bank at exporters end,Payer or importer,Principal exporter,1,6
6、,2,5,3,4,D/P 1,1. The exporter applies to the remitting bank for collecting the invoice value by sending an application, a sight bill (time draft) and shipping documents. 2. The remitting bank draws up a collection order and transfers it together with the draft and shipping documents to the collecti
7、ng bank.,D/P 2,3. The collecting bank presents the bill and documents to the payer. 4. The importer effects the payment at presentation and gets the documents from the collecting bank. 5. The collecting bank transfers the accounts to the remitting bank. 6 The remitting bank transfers the account to
8、the principal.,D/P after sight,Contract,Collecting bank Bank at importers end,Remitting bank Bank at exporters end,Payer or importer,Principal exporter,1,6,2,5,3,4,D/P after sight 4,4. The importer pays in due course to the collecting bank and gets the shipping documents from the collecting bank.,D/
9、A,Contract,Collecting bank Bank at importers end,Remitting bank Bank at exporters end,Payer or importer,Principal exporter,1,6,2,5,3,4,D/A 4,4 After the importer accepts the draft, the bank will deliver the shipping documents to the importer, while taking back the draft. The importer pays the purcha
10、se price in due course.,L/C,Letter of Credit is the most often used method of payment in the financing of international trade. It is a reliable and safe method of payment.,L/C Procedure,受益人,开证申请人,议付行 通知行,LC,申请开证,开出信用证,审核通知信用证,发货,交单议付,审单垫付货款,寄单索汇,付款赎单,开证行 付款行,An L/C concludes the following informatio
11、n,1. Sth about the L/C itself. 2. Requirements about the goods. 3. Sth about the transportation. 4. Requirements about the documents. 5. Some special requirements. It must be in complete conformity with the contract and related documents.,Sentence Patterns,We regret we cant accept payment “cash agai
12、nst document“. 很抱歉，我们不能接受凭单付款办法。 Well agree to change the terms of payment from L/C at sight to D/P at sight. 我们同意将即期信用证付款方式改为即期付款交单。,Sentence Patterns,We accept D/P payment for future dealings. 以后的交易我们以付款交单方式支付。 We can do the business on 60 days D/P basis. 我们可以按60天付款交单的方式进行交易。,Sentence Patterns,We
13、agree to draw at 30 days D/P. 我们同意开立30天期的付款交单汇票。 Well draw D/P against your purchase. 我们按付款交单方式收你方这批货款。 As a special sign of encouragement, well consider accepting payment by D/P at this sales-purchasing stage. 在此推销阶段，我们将考虑接受付款交单方式以资鼓励。,Sentence Patterns,很抱歉，我们不能同意“货抵目的地付款交单”方式付款。 We regret we cant
14、accept “Cash against Documents“ on arrival of goods at destination. 买方建议用承兑交单作为付款方式，但卖方不愿例外。 The buyer suggested D/A as the terms of payment, but the seller was unwilling to make any exception.,Sentence Patterns,我们不同意开具30天期的承兑交单汇票 。 We cant agree to draw at 30 days D/A. 因此，最好是采用付款交单方式或承兑交单方式。 So its
15、 better for us to adopt D/P or D/A. 我建议这次用付款交单或承兑交单方式来付款。 I suppose D/P or D/A should be adopted as the mode of payment this time.,Sentence Patterns,如果您能接受D/P或D/A付款，那可帮了我们大忙。 It would help me greatly if you would accept D/A or D/P. 您能否来个例外，接受D/A或D/P付款方式？ Could you make an exception and accept D/A or
16、 D/P?,主题：索取逾期账款,亲爱的先生： 第8756号账单 鉴于贵方总是及时结清项目，而此次逾期一个月仍未收到贵方上述账目的欠款，我们想知道是否有何特殊原因。 我们猜想贵方可能未及时收到我们8月30日发出的80，000美元欠款的账单。现寄出一份，并希望贵方及早处理。 你真诚的xxx,subject: Demanding Overdue Payment,Dear Sirs, Account No.8756 As you are usually very prompt in settling your accounts, we wonder whether there is any special reason why we have not received payment of the above account, already a month overdue. We think you may
