Unit 9 Payment and LC 支付与信用证课件

外贸英文函电Chapter9PaymentandL/CObjectives

Uponcompletionofthischapter,thestudentswill:understandtheflowchartofL/C.beabletourgetheopeningoftherelativeL/C.beabletochecktheL/C.beabletomaketheamendmentbybusinessletter

ReturnLeadinIninternationaltrade,paymentisverycomplicated.Thesellersandbuyersruncertainrisksofnon-paymentornon-delivery.

Whocanbeentrusted(委托）tomakeguarantee?thebankLeadinPaymentinstrumentsininternationaltrade:Cheque支票(seldomused)Promissorynotes本票Billsofexchange/draft汇票(themostpopular)Cheque支票RPromissoryNote本票RBillofExchange汇票RIntroductionA).Remittance汇款

MailTransferM/T信汇TelegraphicTransferT/T电汇demanddraftD/D票汇B).Collection托收DocumentsagainstpaymentD/P

付款交单DocumentsagainstAcceptanceD/A承兑交单汇款(Remittance)是指进口人按约定的条件和时间将货款通过银行付给出口人的支付方式。

买卖双方能否履行合同，完全取决于彼此的信用,并不涉及银行的信用，因此它纯属商业信用D/P付款交单,即进口方付款后，出口方才向银行提交单据，进口方才能向代收银行领取单据。D/A承兑交单，所谓“承兑”就是进口方在代收银行提示远期汇票时，对汇票的认可行为，进口方于汇票到期日凭票付款，出口方才向银行提交单据。Whichisbetter?(D/PisbetterthanD/AWhichmodeofpaymentisthesafestandthemostreliablefortheinterestofseller?Andwhy?

TheL/CComparisonofmodesofpaymentComparisonofmodesofpayment在汇款和托收付款方式中，银行职能只做托收和汇付的工作，对进口商不付货款不予负责；纯属双方公司的商业信用，所以相对来说，冒有一定风险而在信用证的情况下，负付款责任的是开证行,只要所提供的单据与信用证的规定完全相符，即使是买方倒闭，货价下跌，银行都得付款.就卖方的利益来说，信用证（L/C）比付款交单（D/P）好，D/Patsight比D/Paftersight好，而付款交单（D/P）又比承兑交单（D/A)好。在国际贸易中，只在进口商财务状况良好，或过去一系列业务中进口商付款可靠，从而取得出口商信任，才可以接受托收的支付方式。IntroductionWhatisL/C?(谁委托谁，干什么）Thecreditisaletterissuedbyabankattherequestoftheimporterinwhichthebankpromisesthesellertopay买卖双方互不信任，就由比较权威的银行出面，做居中担保人。按照进口商的要求银行向出口商开出一份承诺付款的担保性的文件

国际贸易最常用的支付方法是L/C,这是一种可靠又安全的支付方式便于卖方与陌生的买方进行交易，并对买卖双方都有保障。ThebuyeristheApplicantforopening(applicant开证申请方).ThebankwhoestablishedtheL/CisIssuingBank(OpeningBank开证行).IntroductionPartiesofL/CApplicant 开证申请人

(买方）IssuingBank 开证行

（买方委托开立信用证的银行）AdvisingBank 通知行

（卖方指定的通知信用证已到的银行）

Beneficiary 受益人（卖方）NegotiatingBank议付行

（卖方交单的银行，银行将单据审核之后把单据寄到国外银行请求付款，有时与通知行是同一银行）PayingBank 付款行

（信用证的开证行）ConfirmingBank 保兑行

（与通知行是同一银行）开证的程序始于买方，他通知他的往来银行开立以卖方为受益人的信用证，并以购货的金额为该信用证金额。买方的往来银行（开证行）把信用证寄给他在卖方国家的往来银行，告知信用证金额、受益人为谁、所使用的货币、必备单证以及其他特定要求。信用证到达后，该往来行通知卖方，该信用证已收到。有时，卖方要求保兑信用证，在这种情况下，该往来行通常自己保兑，成为保兑行，并把由他保兑的情况通知卖方，卖方是按信用证所列要求发货。CashagainstdeliverySampleletter1onP1571.Whatisreferredtoatthebeginningoftheletter?2.What’sthepurposeoftheletter?3.What‘sthepastpaymentterms?Whydidthebuyerasktochangeit?

4.Whatrequestdidthebuyermaketotheseller?5.Whatexpectationdidthebuyermakeintheend?Structureoftheletter:ReferringtothesalesconfirmationPurpose----ToproposeaneasierpaymentarrangementReasonforchangingpaymenttermsRequest----agreetopayitbyeitherC/DorD/PExpectation----

Considerationoftherequest,earlyreplyStructureoftheletterReferringtothegoodsanddeliverydatePurpose---AskthebuyertospeeduptheopeningoftheL/CRequest---

PleaseseetoitthattheL/CstipulationsareinexactaccordancewiththetermsofthecontractExpectation----favorablenewsSampleletter6onP1621.Whatisreceived?2.WhatproblemisfoundintheL/C?3.Whatrequestdidthesellermake?Andwhy?4.Whatexpectationdidthesellermake?StructureoftheorderReceiptof….(L/Cissuedby…..fortheamountof…..covering….)Requestandreason----(amendtheL/Ctoread….)Expectation…….(amendmentwithoutdelay)Structureoftheletter:

Receiptof….Regretandreason…..(can’tshipthegoodsbytheendofJulybecauseofthedelayofyourL/C)Request-----extendtheshippingdateandcreditvalidityforonemonthExpectation….replyUsefulExpressions句型一Askforeasiertermsofpayment)ReferringtoyourS/CNumber…for…intheamountof…,wesuggestthatyouadopt…weproposeeither….or…..wewouldappreciateitifyouagreeto…..

套用句型中译英：1.关于你方345号销售确认书销售软钢板，总金额为100000美元，我方建议贵方采纳T/T./我方提议要么采用货到后凭单付现要么采用付款交单2.关于你方123号销售合同销售印花棉，总金额为1000美元，若贵方同意D/D，我们将非常感激。句型二HowtoexpressthereasonforeasierpaymentConfirmed,irrevocableL/Chascostusagreatdeal.Fromthetimecreditisopeneduntilthetimeourbuyerspayus,thetie-upofourfundslastsabout…months.Thissituationisparticularlytaxingowingtothetightmoneyconditionsandunprecedentedlyhighbankinterestrate.中译英：句型三：HowtoexpressurgingestablishmentofL/Candthereason

产品Withreferenceto…….underourS/CNo….,wewishtoremindyouthatthedateofdeliveryisapproaching,butwestillhavenotreceivedyourcoveringL/C.Pleaseexpeditetheopening/establishmentoftheL/Csothatwecanshiptheorderintime.executetheordersmoothly中译英：关于我方234号销售合同下的4000吨软钢板，我方想提醒贵方交货期临近，但是我们依然没有收到你方相关信用证。请加快开立信用证以便我方及时发货/顺利执行订单句型四HowtoexpressaskingfortheamendmentofL/Candthereason

WehavereceivedyourL/CNo….,wefindthat……PleaseamendtheL/Ctoread“………..”,asdirectsteamerstoyourportarenotavailable/arefewandfarbetween.WeoftenhavetoshipviaHongkong.Itwouldbetomutualbenefittousepartialshipmentbecausewecouldshipimmediatelywhateverwehaveonhandinsteadofwaitingforthewholelottobecompleted.中译英：我方已收到你方234号信用证，我们发现“不允许转运和分批装运”，请修改信用证为“允许转运和分批装运”。因为。。。

句型五：HowtoexpressaskingfortheextensionofL/Candthereason.Weregretthatwecouldnotshipthegoodsbytheendof…becauseofthedelayofyourL/C.Wewouldaskthatyouextendtheshippingdateandcreditvalidityfor/until….Respectively中译英：很遗憾我方不能在十月底之前发货因为你方延误开立信用证，我方请求贵方将船期和信用证有效期分别延期一个月/分别延期至十一月底三字循环游戏，真有趣。看谁最有才。

做人难，人难做，难做人。读死书，死读书，读书死。大头鬼，大鬼头，鬼头大放狗屁，放屁狗，狗放屁。没有钱，钱没有，有钱没？我爱你，你爱我，爱你我。不怕辣，辣不怕，怕不辣。

求婚也幽默最佳露骨奖：让我们合法地结合吧！最佳好奇奖：我不知道人类为什么得结婚？！不如让我们一起研究看看吧！最佳直接奖：让我葬在你们家祖坟吧！最佳直销奖：你愿不愿意带我回家当你的生活必需品？最佳柔情奖：喜欢，就是淡淡的爱。爱，就是深深的喜欢。我希望以后可以不用送你回家，而是我们一起回我们的家。最佳变态奖：哦，看你骂我时，似乎有很大的快感！如果你想天天享受这种感觉，就嫁给我吧！最佳特技奖：你愿意嫁给我吗？如果愿意请站着举高双手，如果不愿意，请站着举高双腿。最佳coolman奖：我欠一个人管我。最佳信徒奖：你想这辈子嫁给我还是下辈子呢？最佳创意奖：什么时候才要把我娶回家？我房间的东西都快全搬到你家去了......最佳保健奖：今年你再不娶我，明年我就开始有恐婚症喽！最佳告解奖：请你终结我的桃花运吧！最佳战俘奖：求饶，我投降了！只要你天天给我口饭吃。最佳影迷奖：甜心，帮我签个名吧。(签在户口簿的配偶栏)作文

写一篇关于爱情的文章要求：1、语言简洁

2、故事必须以悲剧结尾3、不限字数内容：

嫁给我好吗？“滚！笑话

1.小子，你是姐姐我的人了，今儿就跟我去挂个牌吧！

2.我们分手吧！男：……（坚决反对）女：不答应分手？那好，我们离婚！！！男：……（弱弱地说，我们还没有结婚呢！）女：那好，咱们先把结婚手续办一下吧！

3.听说现在结婚很便宜，民政局9块钱搞定，我请你吧！cashn.现金CashagainstDocuments(C/D)凭单证付款CashagainstDelivery货到付款L/C常用搭配L/Ccovering/regardingfor/intheamountofinfavorofforone’accountwith/through+goods+amount+beneficiary以某方为付款人+issuingbankL/C常用搭配PleaseopenanL/CcoveringtwentymetrictonsofapplesfortheamountofUSD20,000.

WeopenedanL/Cinyourfavor

throughtheCitiBankthismorning.请开立20公吨苹果的信用证，金额为2万美元。今早，我们经由花旗银行开立了一个以你方为受益人的信用证。L/C常用搭配TodaywehaveopenedanirrevocableL/CinyourfavorfortheamountofUS$9000coveringourOrderNo.3422withtheBankofChina,Dalian.我们今天通过中国银行大连分行就第3422号定单开立了以你方为受益人的不可撤消信用证，金额为9千美元。

L/C常用搭配今天，我方收到由美国花旗银行开出的以你方为付款人的金额为3500美元的信用证。

WereceivedanL/CfortheamountofUSD3,500foryouraccountwith/throughtheCitiBankthismorning.ReturnChoiceofTermsofPayment1)paymentbyL/C用信用证付款WeadoptpaymentbyL/C.我们采用信用证付款方式。2)paymentunder…terms按……方式付款WeregretthatweareunabletoconsiderpaymentunderD/Aterms.很遗憾我们不能考虑按承兑交单方式付款。ChoiceofTermsofPayment3)paymenton…basis按……方式付款WearepreparedtoacceptpaymentforyourtrialorderonD/Pbasis.对你方这批试订购的货物，我们准备接受付款交单方式付款。

4)makeanexceptiontoaccept…破例接受Inviewofourlongbusinessrelation,wewillmakeanexceptiontoacceptL/Cat30days(after)sight.ChoiceofTermsofPayment5)asaspecialaccommodation，weagreeto….作为特殊照顾,我们同意。。。Asaspecialaccommodation,weagreetoyourproposalandacceptpaymentbyD/Patsight作为特殊照顾，我们同意你方建议接受即期付款交单。KeytoIonP164（9）由于你方第123号订单下的货物已备妥有相当长的时间，所有你方有必要立即采取行动，尽快开出有关信用证(11) 按照贵方要求，我们破例地接受即期付款交单的支付方式，但下不为例。(12) 抱歉，我方不能接受货到后凭单付现的支付条件。(13) 我方想重申一下，只是鉴于我们之间长期友好的贸易关系，我方才给贵方这样的宽限。(14) 信用证中的规定似乎与合同的条款不一致。我方特此于今天下午电告你方，要求将信用证修改为：允许转运和分批装运KeytoIIonP166(1) expedite/rushanL/C(2) D/A(3) confirmed,irrevocable,transferableLetterofCredit(4) amendtheL/Ctoread“…”(5) D/Paftersight(6) establish/issue/openL/Cwith/throughabank(7) advisetheestablishmentofL/C(8) conformto…

(9) PleasetrytoexpediteL/C,sothatwemayexecutetheordersmoothly.(10) Inordertoavoidsubsequentamendment,pleaseseetoitthattheL/Cstipulationsareinexactaccordancewiththetermsofthecontract.(11) WewillbeappreciatedifyouwillcabletheamendmenttotheL/Cwithoutdelay,asourgoodshavebeenreadyforshipmentforquitesometime.(14)Ourtermsofpaymentarebyconfirmed,irrevocableL/Catsight(15) WeencloseanapplicationformfordocumentaryL/C.PleaseestablishanirrevocableL/C

fortheamountofUS$40000infavourofABCCo.ItisvaliduntilJune15IIIonP167DearSir,Withreferencetothe2000setsofairconditionersunderyourorderNo.899,wewishtoremindyouthatthedateofdeliveryisapproaching,butwestillhavenotreceivedyourcoveringL/C.Pleaseexpeditetheopening/establishmentoftheL/Csothatwecanexecutetheorderintime.Inordertoavoidsubsequentamendments,pleaseseetoitthattheL/Cstipulationsareinexactaccordancewiththetermsofthecontract.Wehopetoreceiveyourfavorablenewssoon1.Weassureyouthatanyfurtherordersfromyouwill____ourpromptattention.A.betakenB.haveC.acceptD.bereceived2.WehavejustreceivedyourE-mailofMar.28coveringthe______tinfoilsheets(锡箔纸).A.captionB.captioningC.captionedD.captain3.Wewilldoourutmost___thesamemistakeagain.A.toavoidB.havingavoidedmakingC.toavoidtomakeD.haveavoidedtomakeConsolidation-UrgingBCA4.______promatebusinessbetweenus,weareairmailingyouoursamplecuttingsforyourinspection.A.SoastoB.InordertoC.AsforD.Asregards5.Toavoidsubsequentamendment,pleaseseethatthestipulationsintherelativeL/C______instrictConformity______thetermsinourS/C.A.shouldbe,toB.be,withC.are,withD.is,toBCC6.Withregard____ContractNo.128,weareagreeable____D/Ptermsofpayment.A.to,forB.to,toC.in,toD.for,for7.Wewouldcallyourattention______wehavenotreceivedtheamountofUSDI1,800_______the20%offreightdue.A.forthat,forB.tothat,toC.forthefactthattoD.tothefactthat,for8.You_____tosendpaymentby18,Augustatthelatest.A.arerequestedB.requestC.arerequestingD.requestingusBBDDA9.Theclauseis______approvalbyrelevantauthorities.A.subjecttoB.subjectedtoC.subjectstoD.subjectingto10._______therehasbeennoofficialconfirmationofthisincident.A.ToofarB.AsforC.SoforD.ByfarACConsolidationTranslatethefollowingletterintoEnglish:先生：

关于我方第005号售货确认书项下150公吨化肥，我方已按合同如期备妥，交货期日益临近。我们不知你们是否对第一批75公吨.5/6月份装运的货物已经开出有关信用证？请尽快开证，以便我方顺利势执行这项订单。

为避免随后修改信用证，务请注意信用证规定条款严格与合同相符。

如蒙速复，不胜感激。此致敬礼20…年4月20日

April20th,20….DearSirs,Withregardto150metrictonsofchemicalfertilizersunderS/CNo.005,wehavegotthegoodsreadyforshipmentonscheduleascontracted.Asthedateofshipmentisdrawingnear,wewonderwhetheryouhaveopenedtherelevantL/Cforthefirst75M/TforshipmentduringMay/June.PleaseopentheL/Cassoonaspossiblesoastoenableustoexecuteyourordersmoothly.InordertoavoidsubsequentL/Camendment,pleaseseetoitthattheL/Cstipulationsareinexactaccordancewiththecontractterms.Yourpromptreplywillbeappreciated.Yoursfaithfully1.PleasehaveyourL/CNo.092amended_____ourS/CSD601,inserting“5%moreorless”______thequantityandamount.A.to,onB.against,intoC.against,afterD.for,to2.OnperusalofyourL/CNo.700,wefindthenameofgoodsdoesnot___thecontract,andshouldbeamended______”Art.no.505”.A.agreeto,toB.agreewith,toreadC.agreeon,readingD.agreefor,toread3.Pleasedelete”shippedinonelot”and_____thewording“partialshipmentsandtransshipmentallowed”.A.deleteB.removeC.increaseD.insertCCDB4.Wewouldappreciateyourextendingthe____andofyourL/CNo.211toJune15andJuly1respectively.A.shipment,validityB.validity,shipmentC.ship,validD.shipping,valid5.Owingtothere______nodirectsteamertoyourportthismonth,youarerequestedtoamendtheL/C.is,toallowtransshipmentB.are,allowingtransshipmentC.being,allowingtransshipmentD.be,allowingtransshipment6.Pleasethenecessary_____immediatelybyfaxsothatwecanshipthegoodsintime.A.take,amendmentB.do,amendingC.go,amendD.make,amendmentACD7.wehavereceivedyourL/CNo.807,butfounditcontainsthefollowingfew___againstthecontract.A.discrepanciesB.discrepancyC.mistakeD.error8.wearesorrytosaythatowingtosomedelay__thepartofoursuppliers,soweunabletogetthegoodsreadybytheendofthismonth.SowesentyouanE-mailyesterday______.A.in,readsB.about,readingC.on,readingD.with,read9.weencloseanamendmentadviceNo.235____L/CNo.890.pleasecheckit____yourL/C.A.with,toB.covering,toC.to,WithD.about,toACCC关于第303号信用证，我们已通知开证行电展装船期和有效期分别至9月15日和9月30日。现遗憾地通知你方，我们将上述信用证与有关合同核对时发现金额不足。我们发现你方信用证的条款中有下列3点与合同规定不符。请将单价从每打RMB32增加到每打RMB35，并把总金额相应增加到RMB21000，另外在数量前请删除“about”字样。我们要求你方通知你地银行对信用证作出必要的修改。请将信用证金额改为28000英镑，否则，我们将无法议付单据。因为你方的信用证修改书迄今未到，我们恐怕赶不及将货物装本月起航开往你港的“泰山”号轮。请注意做到在本月内开出信用证并准许转船和分批装运。为保证最快交货，我方要求对上述定货用航空货运。WithregardtoL/CNo.303wehaveinstructedtheopeningbanktoextendbytelexthedateofshipmentandvalidityto16thand30thSeptrespectively.Wesorrytoinformyouthatuponcheckingtheabovecreditwiththerelevantcontract,wefindtheL/Camountisinsufficient.Amongtheclausesspecifiedinyourcreditwefindthatthefollowingthreepointsdonotconformtothecontract.PleaseincreasetheunitpricefromRMB32perdozentoRMB35perdozenandthetotalamounttoRMB21,000.moreover,pleasedeletetheword“about”beforethequantity.weregretyoutoinstructyou