金融英语听说U6-

金融英语听说U6_金融英语听说U6_金融英语听说U6_资料仅供参考文件编号：2022年4月金融英语听说U6_版本号：A修改号：1页次：1.0审核：批准:发布日期：Unit6ShortDialoguesMultipleChoiceDialog1W:Morning,sir!WhatcanIdoforyou?M:Wouldyoutellmeaboutthedocumentsneededforthedocumentarycollectionbusiness?W:Allright.Thedocumentsneededforcollectionarethebilloflading,certificateofinspection,certificateofinsurance,andasightdraftforD/PandausancedraftforD/A.M:Whatshouldbestatedinabilloflading?W:Manyitems,ofcourse.Forexample,unitpriceandamountofgoods,portsofloadinganddestination,priceandpaymentterms,latestshipmentdateandvalidityoftheL/C,thenameandaddressoftheshipperandcarrier.Andinthespaceofconsignee,youshouldwritethewords“ToOrder”insteadoftheimporter’sname.Question:WhichofthefollowingisNOTmentionedasthedocumentsneededforthecollectionbusiness(C)译文女：早上好！先生。需要我们为您做些什么吗

男：你可以给我讲讲托收需要哪些单据吗

女：好。托收需要的单据有提单、检验证明、保险证明，如果是付款交单要有即期汇票，如果是承兑交单要有远期汇票。男：提单上应该写些什么呢？

女：当然有许多项目。例如，货物的单价和数量，装运码头和目的地、价格和付款条件、最迟装运日期和信用证的有效期、托运人和承运人的姓名和地址等。而且在收货人一栏，你应该填写“ToOrder(凭指示交货)”的字样，而不是进口商的姓名。Dialog2M:Hello,Madam!I’vecheckedtheletterofcredityouadvisedyesterday.Well,I’vefoundthatsometermsandconditionsdonotmatchtheclausesofthesalescontract.Iwanttoordertheissuingbanktomakesomeamendment.Couldyouhelpme,please?W:Noproblem,sir.ButIdon’tthinkyouhavetherighttogiveanyordertotheissuingbank.You’dbetterinformtheapplicantofthematterandnegotiatewithhim,requiringhimtogiveinstructionstohisbanktoamendthecredit.M:Allright.Thankyou.I’llcallhimrightaway.Question:Whataretheytalkingabout

(B)

译文男：您好，女士。我已经检查了你们昨天通知我的信用证。嗯，我觉得有些条款与销售合约的条款不相符。我打算指示开证行进行修改。您能帮助我吗

女：没问题，先生。但我认为您没有权利对开证行作任何指示。您最好把有关问题通知开证申请人，与他协商，要求他指示他的银行修改信用证。男：好。谢谢。我马上给他电话。Dialog3W:Hello,SmithLawOffice.M:Hello,Madam!Iwanttohavesomeadvicefromyou.I’vegotthenoticeofdishonorfrommyremittingbank.WhatshouldIdoifIwanttosuethedraweeforthedishonor?W:Well,youcanrequirethepresentingbanktoprotestthebill.AnotarypublictherewillhelpyouandissueaDeedofProtest.Itwillstatethereasonofdishonorandprovidelegalevidenceofdishonoracceptabletoacourtoflaw.Question:Whatcanwelearnfromtheconversation

(A)

译文女：您好，史密斯律师事务所。男：您好，女士。我希望得到您的建议。我收到托收行给我转来的拒付通知书。假如我要起诉受票人拒付，应该怎么办

女：是这样，您可以要求提示行把票据做成拒付证书。那里的公证人会帮助您开立一份拒付证书。拒付证书会注明拒付的原因，提供符合法律要求的且法庭可以接受的拒付证明。Dialog4M:Excuseme,Madam.WouldyoupleasetellmehowtosendanL/CtomysupplierinaforeigncountryafterIapplyforit?

W:Inbankingpractice,theissuingbankwillsendtheL/Ctoitscorrespondentbankinthecountryofyoursupplier.ThecorrespondentbankwillberequiredtoadvisetheL/Ctothenamedbeneficiary.Youknow,thebankiscalledtheadvisingbank.M:IseethattheL/Cisnotsentthroughthepostoffice.Question:WhowillberesponsiblefortheadviceoftheL/Ctothebeneficiary

(C)

译文男：您好，女士。麻烦您告诉我怎么把我申请的信用证寄送给外国的供货商，好吗

女：按银行惯例，开证行会把信用证寄送给供货商所在国的代理行。开证行会要求代理行把信用证通知给受益人。您知道，代理行又叫做通知行。男：我懂了，信用证不是经过邮局送递的。ShortAnswerQuestionsScripts&AnswersDialog1W:Excuseme,sir.Pleaseinsertthecompleteaddressandfullnameofthedraweeinthespacehere.M:OK.Thankyou.Isitallright?W:Exactlycorrect,sir.Wouldyoupleasestateherethewayofsendingthenoticeofdishonorintheeventofnon-paymentornon-acceptanceWhichwouldyouprefer,bycableorbymail?M:Eitherbyemailorbyfax,Ithink.WhoonearthsendsmessagesbymailnowHereismyemailaddressandfaxnumber.Question:Whatdoyouthinkthebankwillsendtothemanbyemailorbyfaxaccordingtotheconversation?Thenoticeofdishonor.译文女：不好意思，先生。请在这里填写受票人的地址和姓名的全称。男：好。谢谢您。这样对吗

女：完全正确，先生。请您在这里注明，如果发生拒付或者拒绝承兑，如何寄送拒付通知。您愿意用哪种方法，电报还是信件？

男：我想用邮件或传真。现在还有谁用信件传送消息？这是我的邮件地址和传真号。Dialog2W:Mr.Green,thebeneficiaryoftheNo.675342L/Chaspresentedthedocumentstoourbankfornegotiation.Whatshallwedonext?

M:WewillcheckthedocumentsagainstthetermsandconditionsoftheL/C.IftheyareOK,wewillnegotiatethedocumentsatcurrentdiscountrate.Thenwe’llsendthedocumentstotheissuingbankforreimbursement.W:Isee.Thankyou.Question:WhatkindofroledoesthebankplayintheL/Cbusinessaccordingtotheconversation?ThebankplaystheroleofanegotiatingbankintheL/Cbusiness.译文女：格林先生，675342号信用证的受益人已经向我行提示单据要求议付。我们应该怎么做？

男：我们要根据信用证的条款来核对那些单据。如果没问题，我们就按现行贴现率议付单据，然后把单据寄送给开证行要求偿付。女：我明白了。谢谢您。Dialog3M:Hi,Jane.I’mtoldthattheimporterwantstoopenarevocabledocumentarycreditinfavorofourcompany.Isthattrue?

W:Exactlytrue.ButIdeclinedtherequest.Youknowthatarevocablecreditmayincreasecreditriskonourpart.We’dbetterrequirehimtoopenanirrevocabledocumentarycredit.M:Ican’tagreewithyoumore.WhataboutconfirmationShallwerequireourbanktoadditsconfirmationtothecredit?W:Youaretalkingmylanguage.Question:Whatkindofletterofcreditwillbeissuedaccordingtothewoman?

Anirrevocableconfirmeddocumentarycreditwillbeissued.译文男：嗨，简。我听说进口商要求开立以我们公司为受益人的可撤销信用证。是真的吗

女：千真万确。但我拒绝了。您知道可撤销信用证对我方会增加信用风险。我们最好要求他开立不可撤销信用证。男：我完全同意。保兑呢？我们可以要求我们的银行对信用证加以保兑吗女：您说的就是我想的。Listening&SimulatingScripts&AnswersDialog1W:Excuseme,sir.HaveyoufinishedthecollectionorderAllright,letme

haveacheck.Oh,sir,youforgottostatetheinstructionofD/AorD/Phere.M:Isitcriticaltothecollection?W:Absolutelyimportant.WithoutD/PorD/Ainstruction,thecollectingbankwillonlyreleasedocumentsagainstpaymentaccordingtoURC522.译文女：先生，打扰了，您的托收申请表填好了吗好，我检查一下。哦，先生，您忘记在这里写明“承兑交单”还是“付款交单”了。男：这对托收重要吗

女：绝对重要。没有填写“承兑交单”还是“付款交单”，根据522号《托收统一规则》，代收行只能按付款交单放行单据。Dialog2M:Wouldyoumindtellingmetheadvantageofdeferredpaymentcredit?W:Rightyouare,sir.Ifyouaregoingtoissueadeferredpaymentcredit,youneednotpaystampdutyonthebillofexchangeunderthecreditbecausenodraftisrequired.M:Oh,Isee.Buttherewillberiskonthepartofthebeneficiarysincehewillnotgethispaymentatmaturity.W:Don’tworryaboutthepayment.Thecreditisadefiniteundertakingofpaymentgivenbytheissuingbank.译文男：请给我讲讲延期付款信用证的好处，好吗

女：好的，先生。如果您打算开立延期付款信用证，您就不必为信用证项下的汇票支付印花税，因为根本不需要汇票。男：哦，我明白了。但对于受益人来说可能有风险，因为到期他可能拿不到付款。女：不用担心付款。信用证就是开证行给您的一个确定的付款承诺。Dialog3W:Sorry,Professor.Aquestionpuzzlesmesomuch.IsthereanydistinctionbetweenastandbyL/CandacommercialL/C?

M:Yes,ofcourse.Thereisasimplemethodtotellthedifference.Justrememberthatintheeventofdishonorordefaultinpaymentordefaultintheperformanceofcontract,astandbyL/Cwillbesetoff,otherwiseacommercialL/Cwillbeusedanditisamethodofpaymentintheordinarytrade.W:IunderstandthatthestandbyL/Cisusedasaguaranteeinthetransactionsandtheguarantoristheissuingbank.译文女：对不起，教授。我有个问题弄不清，备付信用证与商业信用证有区别吗

男：当然有啊。有个简单方法来区分。只要记住，在发生拒付或者不能履行合约的时候，备付信用证才被启用，否则，在正常的贸易中，一般使用商业信用证作为付款手段。女：我明白，在交易中，备付信用证被用作为担保，而担保人就是开证行。LongConversationsConversation1TypesofLettersofCreditScripts&AnswersW:Morning,Professor!M:Morning,Zhang!Whatareyoureading?W:Oh,I’mreadingmytextbookofInternationalSettlement,Professor.I’veatesttomorrow.Ihavetoreviewthesubject.Iwanttogetatopgradethistime.M:Verygood.NowI’llgiveyouanoraltesttoseehowmuchyouhavelearntaboutthecourse.W:I’dloveto,Professor.Please,I’mready.M:Well,wouldyoutellmethetypesoflettersofcredit?W:Oh!Itisabigquestion,butI’msureIcangivetheanswer.Therearemanytypesoflettersofcredit.Forexample,wemaydividelettersofcreditintodocumentarycreditsandcleancreditsaccordingtowhetherornotitisaccompaniedbyshippingdocuments.Andtheformeroneisfrequentlyusedininternationaltrade.M:Well,youdotip-top.Goahead.W:OK.Allthelettersofcreditsmuststatewhethertheyarerevocableorirrevocable,andirrevocablecreditsareusuallyacceptableinforeigntrade,becausetheirrevocablecreditscannotbemodifiedorcancelledwithoutagreementofallthepartiesconcerned.M:Toorightyouare!Howaboutthetransferabledocumentarycredits?W:Thetransferabledocumentarycreditisonethatspecificallyauthorizesthebeneficiarytotransferpartorwholeofthebenefitsoftheletterofcredittosomeoneelse.Thusanexporterabroadcanarrangetheshipmentofgoodsaftertheimporteropensatransferablecreditinfavoroftheexporter,andthenhemaytransferthebenefitsofthecredittotheactualsupplierorsuppliersofthegoodsthroughatransferringbank.M:Arethereanyothertypesofcredits?W:Yes,ofcourse.Lettersofcreditmaybeclassifiedintoconfirmedcreditsandunconfirmedcreditsaccordingtowhetherornotathirdbankaddsitsconfirmationtotheletterofcredit.Thethirdbankwillonlyconfirmpaymentfortheirrevocablecreditattherequestoftheissuingbank.AccordingtoUCP600,theissuingbankundertakestheprimarypayment,andtheconfirmingbankundertakesthesecondarypayment.Itisgenerallystatedintheadviceoftheletterofcreditbytheconfirmingbankas“Thecreditisconfirmedbyus”or“Weherebyaddourconfirmationtothiscredit”.Sometimestheconfirmingbankmayundertaketheprimarypayment,andthewordswillappearlikethis“Thiscreditbearsourconfirmationandweundertakethatdocumentspresentedforpaymentinconformitywiththetermsofthiscreditwillbedulypaidonpresentation.”Withoutsuchwordsintheadviceoftheletterofcredit,itisanunconfirmedcredit.M:Welldone.Goon,please.W:Inaddition,dependingonthetimeofpayment,lettersofcreditcanalsobedividedintosightcreditsandusancecredits.Thebillofexchangedrawnunderausancecreditisusuallyausancedraftanditmustbeacceptedbytheissuingbankoranominatedbank.Sotheusancecreditisalsonamedasanacceptancecredit.Therearealsopaymentcreditsornegotiationcreditsjustaccordingtowhowillmakepaymentonthepresentationofthecredit.Ifitisstatedtobepayabledirectlybytheissuingbankorsomenominatedbank,itisapaymentcredit.Ifitisstatedtobenegotiatedbytheadvisingbankoranyotherbank,itisanegotiationcredit.M:Excellent.You’vereallydonewell.I’msureyou’vemadeit.Iwouldgiveyouan“A”ifyouweremystudent.W:Thankyouverymuch,Professor.Youknow,mydreamistobecomeabanker.M:Comeon!Yourdreamwillcometrue,I’mpositive.译文女：早上好，教授。男：早上好，张同学。你在看什么书

女：哦，我的《国际结算》课本，教授。明天有考试。我必须复习这门课。我希望这次可以拿个最好成绩。男：很好。现在我就给你口试一下，看你学得怎么样

女：太好了，教授。开始吧。我准备好了。男：行。你能说说信用证的种类吗

女：哦，这可是个大问题。但我肯定能答得出来。信用证有很多种类。例如，我们可以根据是否随附有运输单据，将信用证分为跟单信用证和光票信用证。前者常常使用于国际贸易中。男：好，不错。继续。女：好。所有的信用证必须注明是可撤销还是不可撤销。对外贸易中通常接受不可撤销信用证，因为没有相关各方的同意，不可撤销信用证不能被修改或被撤销。男：你说得太对了。说说可转让信用证吧？

女：可转让信用证特别授权给受益人将信用证的部分或全部权益转让给其他人。这样，进口商开立了以外国出口商为受益人的可转让信用证以后，他可以安排货物的装运，然后通过转让行把信用证的部分或全部权益转让给实际供货商或供货商们。男：还有其他种类的信用证吗

女：当然有。根据是否有第三家银行对信用证加以保兑，信用证分保兑信用证和无保兑信用证。第三家银行一般应开证行的要求只对不可撤销信用证加以保兑。根据600号《跟单信用证统一惯例》，开证行承担付款第一责任，保兑行承担第二责任。保兑行通常在信用证的通知书中写明“本信用证由我行保兑”或者“我行对此信用证加以保兑”等字样。有时，保兑行可能对信用证的付款承担主要责任，保兑行会使用这些语句：“我行承担本信用证的保兑责任，只要提示的单据与信用证条款相符，我行保证及时支付。”如果信用证通知书上没有这样的语句，那就是无保兑信用证。男：太棒了。请继续。女：此外，信用证按照付款时间可以分为即期信用证和远期信用证,远期信用证项下的汇票一般是远期汇票，必须由开证行或者其他指定的银行承兑该汇票。所以远期信用证也被冠名为承兑信用证。信用证还根据对谁提示单据并获得付款而分为直接付款信用证和议付信用证。如果信用证注明由开证行付款或某指定银行付款，这就是直接付款信用证。如果信用证注明由通知行或者任何银行议付，这就是议付信用证。男：太好了。你答得的确不错。我确信你学会了。如果你是我的学生，我会给你一个“A”。女：非常感谢，教授。您知道，我的梦想就是成为一名银行家。男：加油。我肯定你的梦想会成真的。Conversation2TheProcedureforL/CBusinessScripts&AnswersW:Hello,Johnson!Howareyou?M:Nothingreally.Whataboutyou?W:Quitewell.I’mbusypreparingforthefinalexamination.I’vereviewedthewholebookofInternationalSettlement.M:Whatyousaidremindsmeofsomeproblemsinmystudy.Ihaveanelectivecoursethisterm.MyhomeworkistotellsomethingabouttheL/Cbusinesstomorrow.Wouldyoulendmeahand?W:Itisapleasure,Johnson.Well,youknow,aletterofcreditisissuedbytheissuingbanktothebeneficiary.It’stheissuingbank’sundertakingtopaythebeneficiaryiftheshipmenthasbeenmadeunderthecreditandallthedocumentspresentedarecomplyingwiththetermsandconditionsofthecredit.M:Soaletterofcreditservesasaconditionalpaymentpromiseoftheissuingbank.AmIright?W:Exactlycorrect.M:PleasegivemeanexampletoshowtheprocedureoftheoperationofL/Cs.W:SupposeABCisanexport-orientedcorporationinBeijing.XYZisanimportcompanywithgoodcreditstandingintheUnitedThesettlementofthetransactionistobemadebythemeansofanirrevocableletterofcredit.XYZwillaskitsbanktoissueanirrevocableletterofcreditinfavorofABCtocoverthecontract.Now,wesayABCisthebeneficiary,andXYZistheapplicantoftheL/C,andtheimporter’sbankistheissuingbank.M:Now,willABCreceivetheletterofcreditdirectlyfromXYZ?W:Absolutelyno.Yousee,aletterofcreditisusuallyadvisedthroughtheissuingbank’scorrespondentintheplaceofthebeneficiary.Sothecorrespondentbankiscalledadvisingbank.M:WhatwilltheadvisingbankdoafterreceivingtheL/Cfromtheissuingbank?W:ItwillverifytheauthenticityoftheletterofcreditbysometestkeyandseeiftheL/Cistrue.M:ItisthestepofcheckingL/C.Andthen?W:Itwillsendtheoriginalletterofcredittothebeneficiaryandkeepthecopyonfile.M:SoABChasgotthepromiseofpaymentfromtheimporter’sbank.W:Right.NowABCstartstoeffectshipmentofgoodsandpreparetherequireddocuments.M:WillABCgetthepaymentassoonastheshipmentiseffected?W:No.Aftertheshipment,thebeneficiarywilldrawasightdraftontheissuingbankandpresenttheletterofcredittogetherwiththedraftandalltherequireddocumentstotheadvisingbankinBeijing.M:Whatwilltheadvisingbankdonow?W:Theadvisingbankwillreviewallthedocuments.IftheyareOK,thebankwillnegotiatethedocumentsaccordingtothetermsofthecredit.Inthiscase,theadvisingbankactsasanegotiatingbank.M:Andthentheissuingbankwillpaythenegotiatingbank,right?W:Ofcourse.Theissuingbankwillreimbursethenegotiatingbankifitmakessurethatallthedocumentspresentedarecomplyingwiththetermsandconditionsofthecredit.M:Isittheendofthebusiness?W:No.TheissuingbankwillinformtheXYZofthearrivalofthedocuments,andrequirethecompanytorepaytheproceedstothebank.AndthenthedocumentswillbereleasedtoXYZandXYZwillgetthegoodsfromtheshippingcompanyagainstthedocuments.M:Oh,theoperationofanL/CismorecomplicatedthanwhatIthought.W:Exactly.Weshouldbecarefulwhenwehandlethecreditbusiness,especiallyweshouldbeprudentinobservingthecredittermsanddocuments,ortherewillbealossforboththecustomerandthebank.M:Yes,I’llkeepitinmind.IthinkI’velearntalot.Itisagreathelptomypresentation.Thanksamillion.W:Youarewelcome.Seeyoulater.M:Seeyou.译文女：您好，约翰逊。过的怎么样

男：差不多吧。您呢？女：很好。我正在准备期末考试。我已经复习了《国际结算》整本书。男：您这话使我想起了学习中的一些问题。这学期我有一门选修课。明天的作业是讲讲信用证业务。您能帮助我吗

女：很高兴，约翰逊。哦，您知道，信用证是开证行开给受益人的。它是开证行付款给受益人的保证，条件是按照信用证的要求装运货物，并且提示的单据与信用证条款相符。男：所以信用证就是开证行的有条件的付款承诺。对吗

女：完全正确。男：请用例子说明信用证业务的操作步骤，好吗

女：假如ABC是北京的一家以出口为主的公司。XYZ是美国的一家信誉不错的进口公司。他们签订了销售合约。打算用不可撤销信用证结算交易。XYZ要求其银行开立以ABC为受益人的不可撤销信用证来付款。现在，我们说ABC是信用证的受益人，XYZ是开证申请人，进口商的银行是开证行。男：ABC这时是收到XYZ直接寄来的信用证吗

女：绝对不是。您知道，信用证一般是通过开证行在受益人所在地的代理行通知给受益人的。所以代理行被叫做通知行。男：通知行收到开证行送来的信用证以后做什么呢？

女：它会使用某种密押核实信用证的真伪。男：这就是审证吧。然后呢？

女：它会把信用证原件交给受益人，保留一份复印件存档。男：这样ABC就拿到了进口商银行的付款承诺。女：对。现在ABC开始组织装运，准备需要的单据。男：ABC完成装运后就可以拿到付款吗

女：不行。装运后，受益人会开立一张以开证行为受票人的即期汇票，然后把信用证、汇票和所有必需单据一起提示给北京的通知行。男：通知行现在做什么呢？

女：通知行要审单。如果单据没问题，银行会按照信用证条款议付单据。这时，通知行充当议付行。男：然后开证行就会付款给议付行，对吧？

女：当然啦。只要开证行确认提示的单据与信用证的条款相符，它将偿付议付行。男：就这些吗

女：没结束呢。开证行要把单据已到的消息通知给XYZ，要求该公司付款赎单。然后XYZ凭单据从装运公司得到货物。男：哦。我觉得信用证业务的操作比我想象的复杂得多。女：的确。我们处理信用证时千万要仔细，尤其是在审查信用证条款和单据时要谨慎。否则客户和银行都会遭受损失。男：是。我会记住的。我感到今天学到了很多。这对我明天的演讲很有用。非常感谢。女：别客气。再见。男：再见。LecturesLecture1DocumentaryCollectionsScripts&AnswersAllright,class.Let’sbegintostudytheoperationofdocumentarycollections.Adocumentarycollectioncanbedefinedasthecollectionofaspecifiedsumofmoneyfromabuyeronbehalfofaselleragainstdeliveryofcertaindocuments.Documentarycollectionsfacilitatethesettlementofforeigntradetransactions.Thecollectionserviceprovidedbyabankinvolveslittleriskandappearstobetheleastexpensive.UndertheURC522,oncethedocumentsarepassedtothebankbytheexporter,thebankhasanabsoluterightoverthegoodsthroughthetitledocuments.Therightincludesreleasingdocuments,protecting,warehousinganddeliveringgoodsonbehalfoftheexporter.Therearegenerallyfourpartiesinvolvedinadocumentarycollection:Thefirstpartyistheprincipal.Heisusuallythesellerorexporter,whopresentsthedocumentstohisbanktogetherwithcollectioninstructions.Thesecondpartyistheexporter’sbank.Itiscalledaremittingbanksinceitsendsthecollectionletterandallthedocumentstotheimporter’sbankforcollectionattherequestoftheexporter.Thethirdpartyistheimporter’sbank.Itiscalledthecollectingbankorapresentingbankbecauseithandlestheactualcollectionofmoneyfromtheimporterandremitstheproceedstotheremittingbankaccordingtotheinstructionsincollectionorder.Thelastpartyistheimporterorthedrawee.Theexporterdrawsabillofexchangeonhimandthecollectingbankpresentsdocumentstohimforpaymentorforacceptance.Theoperationofadocumentarycollectionwillgointhefollowingprocedure:Theexportershipshisgoodsandobtainsdocumentsoftitlefromtheshippingcompanyafterthesalescontracthasbeensigned.Thenhehandsinthefollowingdocumentstotheremittingbank:1)abillofexchangedrawnontheimporter;2)acompletesetofclean,shippedonboardoriginalbillsofladingandotherrelevantdocuments;3)acollectionorderwhichcontainsalltheinstructionsonthecollection.Onreceivingallthedocumentsfromtheprincipal,theremittingbankwillsendallthedocumentsandacollectionordertothecollectingbank.IfitisaD/Pcollection,thecollectingbankwillreleasethedocumentstotheimporteronlyagainsthispayment.IfitisaD/Acollection,thecollectingbankwillreleasethedocumentstotheimporteragainsthisacceptanceofausancedraft.Afterthepaymentismade,thecollectingbankwillthenremittheproceedstotheremittingbank,whowillthencreditittotheexporter’saccount.译文好了，各位同学。我们开始学习跟单托收业务。跟单托收可以定义为代表卖方，根据特定的单据从买方处收取特定金额的款项。跟单托收有利于外贸交易的结算。银行提供的托收业务风险很小，而且费用最低。按照《第522号国际商务托收统一规则》，出口商一旦把单据交给银行，银行因为持有物权证书而对货物有绝对的权利。其权利包括代表出口商放行单据、保护货物、将货物入仓和交付货物等。跟单托收通常涉及四方：首先是委托人。委托人通常是卖方或出口商，是他把托收指示和单据一起提交给他的银行。其次是出口商的开户行。该行应出口商的要求把托收函和所有的单据寄给进口商的银行要求其代收货款，因此被称为委托行或托收行。第三方是进口商的开户行。该行按照托收委托书的指示办理从进口商处收取款项并将货款汇给托收行等具体事宜，因此被称为代收行或收款行，也被称为提示行。金融英语听说-教师用书6-8.indd1412011.1.112:20:20PM金融英语听说142最后是进口商或受票人。出口商开立以其为受票人的汇票，代收行向其提示单据要求其付款或承兑汇票。跟单托收业务的运作步骤如下：签订了销售合约后，出口商装运货物，从装运公司取得物权证书，然后将如下单据提交给托收行：1、以进口商为受票人的汇票；2、全套已装船的清洁正本提单以及其他相关单据；3、包括全部托收指示的托收委托书。托收行收到委托人提交的所有单据后，将全部单据和托收委托书寄交给代收行。如果是付款交单托收，代收行将仅凭进口商的付款放行单据。如果是承兑交单托交，代收行将凭进口商对远期汇票的承兑放行单据。付款之后，代收行将货款汇给托收行，托收行将款项贷记到出口商的银行账户。Lecture2MeansofInternationalSettlementScripts&AnswersforReferenceGoodmorning,ladiesandgentlemen.Yesterday,welearnedaboutdocumentarycollectionsanddocumentarylettersofcredit,includingtheirtypes,thepartiesconcernedandtheoperationprocedureofthebusiness.Today,I’dliketosayafewwordsaboutsomeothermeansofinternationalsettlementaswellaspayment.First,openaccount.Openaccountisacontractualarrangementbetweenthebuyerandseller.Bythearrangement,thegoodsaremanufacturedanddeliveredbeforepaymentismade.Itisobviousthatthebuyerwillhavemorebenefitsfromthearrangementsincehewillpayforthegoodsorservicesafterhereceives,inspects,andevensellsthem.Fromtheseller’sperspective,hereleasesthetitledocumenttothegoodswithouthavingassuranceofpaymentfromthebuyerorfromthebuyer’sbank.Soanypolitic