Termsofpayment国际贸易支付方式

1、Terms of Payme ntCurrency 货币Instruments of paymentBill票据JDraft汇票Promissory Note本票aCheque支票DraftWordlist:Bill of exchange/draft汇票(B/E)drawer 出票人drawee/payer 受票人/付款人Issue 出票Prese ntme nt/Prese ntatio n 提示 Acceptanee 承兑Payment 付款Endorsement 背书Dish onor and recourse 拒付和追索Bill of ExchangeNo C ZFR00127D a

2、te 03 血慣 19乃,Gil刖囚liouExchjiuge for USD 1WMD/PAt sight pay riiis first bill of exchange(defendingunp aid) to the- order of 阳曲 of ChitMGu/tiah叮u Branch tb专 u.m of USD o口豆huutitd thou苇mnii ouly *To beygr itnportgrFor 弓色电耳potior匸 tiiteilKhi 屯 Mom signaturenuthorifedProcedure : issuedrawer payee& presen

3、t_一 payer/draweeaccept, pay1) 出票(issue)。出票人在汇票上填写付款人、付款金额、付款日期和地点以及受款人等项目，签字后交付给收款人的行为2) 提示(presentation)。提示是持票人将汇票提交付款人要求付款人承兑或付款的行为，是持票人要求取得票据权利的必要程序。either the delivery of docume nts un der a credit to theissuing bank or nominated bank or the documents so delivered 交单 指向开证行或指定银行 提交信用证项下单据的行为，或指按此

4、方式提交的单据。3) 承兑(acceptanee)。指付款人在持票人向其提示远期汇票时，在汇票上签名，承诺在汇票到期时付款的行为。具体做法是付款人在汇票正面写明承兑(accepted) ”字样，注明承兑日期，签章后交还持票人。付款人一旦对汇票作承兑，即成为承兑人，以债务人的地位承担汇票到期时付款的法律责任。4) 付款(payment)。付款人在汇票到期日，向提示汇票的合法持票人按汇票上的金额付全款。 持票人将汇票注销后交给付款人作为收款证明。汇票所代表的债务债权关系即告终止。5) 背书(endorsement)。票据包括汇票是可流通转让的证券。根据我国票据法规定，除 非出票人在汇票上记载不得转

5、让”外，汇票的收款人拥有以记名背书的方式转让汇票权利。即在汇票背面签上自己的名字，并加注被背书人的名称，然后把汇票交给被背书人即受让人，受让人成为持票人，是票据的债权人。6) 拒付和追索(dishonor & recourse)。持票人向付款提示，付款人拒绝付款或拒绝承兑，均 称拒付。另外，付款人拒不见票死、亡或宣告破产，以致持票人无法实现提示，也称拒付。Types:1）According to date:Sight Bill or Dema nd Draft or Draft at sight （ 即期汇票）Time Bill or Usance Bill or Draft after si

6、ght （远期汇票）2）According to drawerBan ker Draft/Bill （银行汇票）Trade Draft/Bill （商业汇票）3）According to attaching shipping document or notDocume ntary Bill（跟单汇票）：accompa nied by shipp ing docume nts.Clean Bill （光票）：without4） According to different acceptor（承兑人）Trader Accepta nce Bill （商业承兑汇票）：draw n on and ac

7、cepted by a traderBankerAcceptance Bill （银行承兑汇票）：drawn on and accepted by a bankerPromissory Note一、定义出票人本人签发给受款人的、保证在见票时或在指定的或可确定的将来某一时间无条件支付 一定金额的书面承诺。二、种类1、 现金支票-支票上印有“现金”字样，只能用于支取现金；2、转帐支票-支票上印有“转账”字样，只能用于转账；3、 普通支票-支票上未印有“现金”或“转账”宇样可以用于支取现金，也可以用于转账。 在普通支票左上角划两条平行线的， 为划线支票，划线支票只能用于转账， 不能用于支取现 金。C

8、heckProcedure :Def:银行也可以与出票人约定使用支付支票的出票人预留银行签章是银行审核支票付款的依据。密码，作为银行审核支付支票金额的条件。Types:记名支票(CHEQUE PAYABLE TO ORDER，是在支票受款人一栏， 写明受款人姓名，女口“支 付XXX或指定人” (PAY XXX OR ORDER)，取款时须由受款人签章，方可支取。不记名支票 (CHEQUE PAYABLE TO BEARER，又称空白支票。 支票上不记载受款人姓名， 只写“付来人” PAY BEARER。取款时持票人无须在支票背后签章，即可支取。划线支票(CROSSED CHEQUE)，是在支票

9、正面划两道平行线的支票。划线支票与一般支 票不同。 一般支票可委托银行收款入账，也可由持票人自行提取现款。而划线支票只能委 托银行代收票款入账。 使用划线支票的目的是为了在支票遗失，被人冒领时，还可能通过银行代收的线索追回票款。Modes of Int PaymentRemittanceCommercialcredit商业信用Collectionf托殴)Bank credit银行信用Letter of CreditRemitta neeDef:指不同国家（地区）间一方向另一方转移资金，也就是说，某一银行（汇出行）应其客户的要求，将一定货币金额转移至其海外分行或代理行，指示其付款给某一指定收款人

10、。Wordlist:remitt ing bank汇出行the remitter 汇款方Mail Tran sfer, M/T 信汇 payment order 付款委托书Bills for Collectio n 托收票据 Telegraphic Tran sfer, T/T 电汇 Dema nd Draft, D/D 票汇Procedure :Reminer汇款方（进口商Payee/Beneficiory收款方（岀口商Remitting Bank汇出行（进口商所在地银行）委托忖款Paying Bank/Receiving bank汇入行出口裔所在地银W）Types:1) Mail Tran

11、sfer, M/T 信汇汇出行根据进口商的指示，以银行信件邮寄指示出口商所在地的汇入行，委托其向出口商或其指定人付款的汇款方式。(Cheap but slow, seldom used )2) Telegraphic Transfer, T/T 电汇汇出行根据进口商的指示，以电报 /电传/SWIFT等电讯方式指示出口商所在地的汇入行，委托其向出口商或其指定人付款的汇款方式。(Fast and safe for exporter to get the mon ey; Themost com monly used type of remitta nee )3) Dema nd Draft, D/D

12、 票汇进口商在本地银行购买银行汇票直接寄给出口商，出口商凭以向汇票上指定的银行收取款项的汇款方式。 (Flexible to draw money; Convenient for the exporter )Colleetio nDef:托收(Colleetion )是指债权人(出口人)出具债权凭证(汇票等)委托银行向债务人(进口人)收取货款的一种支付方式。CollectionClean CollectionDocumentary CollectionD/AD/PD/P at sightD/P after sight采用托收方式应注意的问题：1) 严格审查客户资信2) 贸易术语应争取使用 CI

13、F或CIP 以避免货物在途中发生损失，买方不接受单据和货物。 采用CIF或CIP,卖方尚可向保险公司索赔。 如争取不到上述术语， 卖方可投保卖方利益险, 以弥补以上损失。Wordlist:The Drawer/Principal 委托人 /出口方The Drawee付款人/进口方The Remitting Bank托收行/出口地银行The Colleeting Bank代收行/进口地银行Clea n Collectio n 光票托收Docume ntary Collectio n跟单托收docume nts aga inst payme nt(D/P)付款交单documents against

14、 acceptanee (D/A)承兑交单Aga in st:表示交换关系以抵付；凭换取Financial documents金融单据(指汇票、本票、支票或者其它用于取得付款的类似凭证)Commercial docume nts商业单据(指发票、运输单据、物权凭证或其它类似单据，或除金 融单据以外的任何其它单据)Procedure of collection亠Note; in the case of a time drafth the importer makes a promise to pay, notthe actual payment, in step 5Exporter/ princ

15、ipalshipment ofImporter/draweesubmrts draft, packrng fi生右 bill of lading, etcpayment6releases doc. payment3paymentFA.IB4rr1.Exporter, s Bank/transfers documents toRemitting Bankimporterf sbanknotifies importer that doc have been receivedImporter sBank/Collecting BankTypes:1） Clean Collection光票托收It m

16、eans collect ion of finan cial docume nts not accompa nied by commercial docume nts.扌旨不附带商业单据的金融单据的托收。Mainly used for small amount transaction, adva nee payme nt（预付款），in stallme nt payme nt（分期付款），commissi on and costs of samples etc.2） Documentary Collection跟单托收It means collect ion of finan cial doc

17、ume nts accompa nied by commercial docume nts;指附带商业单据的金融单据的托收； Docume nts Agai nst Payme nt, D/P付款交单The collect ing bank may release the docume nts only aga inst immediate payme nt. It can be classified into D/P At Sight and D/P After Sight.出口商的交单是以进口商的付款为条件。指出口商将汇票连同商业单据委托银行代收款项时，指示银行只有在进口商付清款项后才能将

18、商业单据交给进口商。又可分为即期和远期付款交单。*Docume nts agai nst Payme nt (D/P)付款交单D/P at sightUpon presentation, the Buyer shall pay against documentary draft drawn by the Seller at sight. The shipp ing docume nts are to be delivered aga inst payme nt only.D/P after sightThe Buyer shall duly accept the documentary dra

19、ft drawn by the Seller at x days sight upon first prese ntati on and make payme nt on its maturity.(b) Docume nts Aga inst Accepta nee, D/A承兑交单The collect ing bank may release the docume nts aga inst the buyers accepta nee of a draft (forinstanee, drawn payable 6080 days after sight or due on a defi

20、nite date). After acceptanee, the buyer(importer) gains possessi on of the goods before the payme nt is made. The buyer will make payment when the time draft is mature.出口商的交单是以进口商在汇票上承兑为条件。指出口商按照合同规定装货后，开具远期汇票连同商业单据交当地托收行（寄单行），指示并委托其在进口地的与其有和约关系的代收行（提示行）向进口商做出提示，进口商承兑远期汇票，便可领取商业单据、提取货物，待远期汇票到期时再付清货款

21、。D/A vs. D/PEjj.出口商于2（104年g J月佃日开出眼单汇现9月仃日行收到汇票当天向遴口离提示那么在D/F即期、D7P30天 D/A 30天的情况下，汇票前蜒示日、承兑日、付款日和单据的 摄交日分別STF =Date of Preserilation 棍示日Date ofAcceptance jft兑日Date of Payment 讨款曰Date of Documents Releasing 交单日无携重兑 Nd勺月1曰g月仃曰D/P 309月17日g月仃日啊月口日恂月17BDW 3咲明17H明仃日忆月们日明们日Letter of CreditDef:A L/C is a c

22、onditional written undertaking given by bank on the request of an importer topay at sight or at determ in able future date a certa in amount of money to the exporter against stipulated documents, provided that the terms and conditions of the credit are complied with.信用证之所以复杂，其原因是因为信用证涉及的法律上主体较一般的合同要

23、多得多。一张信用证至少涉及三个主体：开证申请人、开证行、受益人ExporterConditionalpayment promise*L/C bel ongs to ban ker credit while collectio n bel ongs to commercial credit.信用证属于银行信用，而托收属于商业信用。*Based on the sales con tract, but once ope ned, L/C is in depe ndent from the sales con tract.一经开出，信用证就成为独立于买卖合同之外的另一种契约，不受买卖合同的约束。*ln

24、 L/C bus in ess, banks are only bound by the credit, and make payme nt aga inst docume nts which are fully in con formity with the credit.信用证交易中，银行受信用证条款约束，仅凭与信用证规定相符单据付款。*就性质而言，信用证与可能作为其依据的销售合同或其它合同，是相互独立的交易。即使 信用证中提及该合同，银行亦与该合同完全无关，且不受其约束。Wordlist:Negotiating bank 议付行（是根据开证行在议付信用证中的授权，买进受益人提交的汇票和单

25、据的银行）Paying bank付款行（是信用证上被开证行指明须履行付款责任的银行，一般为开证行本身或开证行的代理行）Reimbursing bank偿付行（是受开证行指示或由开证行授权，对信用证的付款行，承兑行、 保兑行或议付行进行付款的银行）Confirming bank保兑行（是应开证行或信用证受益人的请求，在开证行的付款保证之外对信用证进行保证付款的银行）Applica nt/ope ner: always the importer;Ben eficiary: always the exporter;Openin g/issu ing bank: the one which issue

26、s a letter of credit at the request of an applica nt tothe ben eficiary;Advising/notifyingbank: the correspondingbank of the issuing bank or its head office orsubsidiary located in the exporter countryDocume ntary Credit & Clea n Credit跟单信用证和光票信用证Sight L/C & Time L/C即期信用证和远期信用证Irrevocable L/C不可撤销信用证

27、Confirmed L/C & Unconfirmed L/C保兑信用证和不保兑信用证Beneficiary/Exporter受益人/出口商1 sign the contract J*-5 ship the goods 总Applicant/Importer开证申请人丿进口商Advising/Negotiating bank通知/仪付行出口地银行3 issue UC8 宫end doc 9 pay/accepthe Procedure of L/C BusinessBasic steps of L/C:1) Issuanee: describes the process of the buye

28、r applying for and opening a documentary credit at the issu ing bank and the ope ning bank formal no tificati on of the seller through the advis ing bank.2) Examine and amendment: After receiving the buyerL/C, the seller should examine and verify it i n con trast with the con tract. The content of L

29、/C must be con siste nt with the con tract.If there is any discrepancy, amendments are necessary. To amend the L/C, both parties and the issuing bank must agree. The beneficiary must give notification of acceptanee or reject ion of the ame ndme nt to the advis ing bank.3) Utilization: describes the

30、procedure for the seller shipping of the goods, the transfer of docume nts from the seller to the buyer through the ban ks, and the tran sfer of payme nt fromthe buyer to the seller through the ban ks.Types of L/C1) Documentary Credit & Clean Credit跟单信用证和光票信用证Clean Credit :光票信用证是开证行仅凭不随附单据的汇票付款的信用证。

31、Documentary Credit :跟单信用证指凭汇票连同规定货运单据或仅凭规定的货运单据付款的 信用证。* “单”：指代表货物所有权或证明货物已装运的货运单据，比如运输单据、商业发票、商检证书、海关发票、产地证、装箱单等。2) Sight L/C & Time L/C 即期信用证和远期信用证Sight L/C :开证行或付款行见受益人提交的符合信用证条款的单据和即期汇票(有时可不附即期汇票)即付货款的信用证。Time L/C:开证行或其指定的付款行收到受益人开来的远期汇票或单据以后，并不立即付款，而是先行承兑，等汇票到期日再行付款的信用证。3) Irrevocable L/C 不可撤销信用证4) Confirmed L/C & Unconfirmed L/C保兑信用证和不保兑信用证Confirmed L/C :开证行在出口商的要求之下，开立信用证之后，要求另一家出口地银行，对该信用证进行保兑，即承诺如果开证行不能付款的情况下对信用证进行支付。5) Acceptanee L/C承兑