Week 14-15 Methods of Payment

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Unit 5 Terms of Payment

Remittance 汇款 Collection 托收

• Clean Collection 光票托收 • Documentary Collection跟单托收
• D/A & D/P

L/C 信用证
Remittance 汇付
汇付是通过进出口商双方所在地银行的汇兑业务进行结算，即由汇款人将货款交所在地银行，由该银行委托收款人在所在地银行转交给收款人。无论哪种汇付方式，货运单据都是由出口人自行寄给进口人，银行并不经手。
Types of Collection
1. Clean Collection光票托收

It means collection of financial documents not accompanied by commercial documents.指不附带商业单据（发票，提单等）的金融单据（汇票，支票）的托收。 Mainly used for small amount transaction, advance payment（预付款）, installment payment（分期付款）, etc.

L/C, D/P and D/A

在其他付款方式中，银行只能做托收和汇付的工作，对进口商不付货款不予负责；而在信用证的情况下，开证行以自己的信用为交易垫付货款。就卖方的利益来说，L/C比D/P好，D/P at sight 比D/P after sight 好，而付款交单D/P 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。
Irrevocable L/C

国际商务函电之付款方式terms-of-payment

• 尽管如此，在当今国际市场出口竞争日益激烈的情况下，出口人为了推销商品占领市场，有时也不得不采用托收方式。如果对方进口人信誉较好，出口人在国外又有自己的办事机构，则风险可以相对小一些。 • 托收对进口人比较有利，可以免去开证的手续以及预付押金，还有可以预借货物的便利。当然托收对进口人也不是没有一点风险。如，进口人付款后才取得货运单据，领取货物，如果发现货物与合同规定不符，或者根本就是假的，也会因此而蒙受损失，但总的来说，托收对进口人比较有利。
Types of L/D • Confirmed and unconfirmed L/C • Sight and usance L/C • Transferable L/C • L/C without recourse and with recourse • 有追索权信用证/无追索权信用证
• Back to Back Credit背对背信用证
• 根据受益人对信用证的权利可否转让，可分为： • ①可转让信用证(Transferable L/C)。指信用证的受益人(第一受益人)可以要求授权付款、承担延期付款责任，承兑或议付的银行(统称“转让行”)，或当信用证是自由议付时，可以要求信用证中特别授权的转让银行，将信用证全部或部分转让给一个或数个受益人(第二受益人)使用的信用证。开证行在信用证中要明确注明“可转让”(transferable)，且只能转让一次。 • ②不可转让信用证。指受益人不能将信用证的权利转让给他人的信用证。凡信用证中未注明“可转让”，即是不可转让信用证。
Unit Seven
Terms of payment
Modes of payment
1. Remittance
2. Collection

TermsofPayment支付条款对话

TermsofPayment支付条款对话A: Hello, this is Mary from XYZ Company. I'm calling to discuss the payment terms for the recent order you placed with us. Is this a good time to talk?B: Hello, Mary. Yes, I'm available to discuss the payment terms. Thank you for reaching out.A: Great! Let's start with the payment method. We usually offer several options, including bank transfer, credit card, and PayPal. Which method do you prefer?B: For this order, I would prefer to pay by bank transfer. Could you please provide me with your bank account details?A: Of course. I will email you our bank account information shortly. Please make sure to include the order number when making the transfer, so we can easily track the payment.B: That sounds good. In terms of the payment timeline, what is your standard policy?A: Our standard payment terms are 30 days from the date of invoice. This means that we expect the payment to be made within 30 days of receiving the invoice.B: Understood. However, we have specific payment terms that we follow within our organization, which require us to make payments within 60 days. Is it possible to accommodate our payment policy?A: I understand your request, but our company policy is to follow a 30-day payment term. However, since you are a valued customer, we can consider extending it to 45 days for this order. Please let me know if this works for you.B: Thank you for your flexibility, Mary. This arrangement of 45 days works for us. We appreciate your understanding.A: You're welcome, and we appreciate your cooperation as well. Now, I would also like to discuss any potential late charges or penalties for overdue payments. Do you have any questions or concerns regarding this matter?B: Yes, could you please let me know the details regarding late charges or penalties? It's important for us to be aware of any additional costs involved.A: Certainly. Our policy states that any payments made after the due date will incur a late payment fee of 2% per month on the outstanding balance. It's important to ensure timely payments to avoid incurring these charges.B: Thank you for informing us about the late payment fee. We will prioritize prompt payment to avoid any additional costs.A: That's great to hear. Lastly, I want to briefly discuss the invoice and documentation process. We will be sending you the invoice via email once the order is ready for shipment. Please ensure that the billing information we have is accurate and up to date.B: Understood. We will make sure to update our billing information and anticipate the invoice via email.A: Perfect. If you have any questions or need any assistance with the payment process, please don't hesitate to reach out to me. I'm here to help.B: Thank you, Mary. I appreciate your support and will definitely get in touch if we need any further clarification or assistance.A: You're welcome, it was my pleasure to assist you. Thank you for your time today. Have a great day!B: Thank you, Mary. Goodbye and have a great day too!文章共涉及了对支付条款的讨论，包括支付方式、支付时间、逾期付款的罚款、发票和文件处理等内容。

methods of payment

Remittance
T/T Remittance M/T D/D Speed&Cost
Parties involved
Remitter-----buyer Payee----seller Remitting bank---- a bank entrusted by the remitter, located in the importer’s place. Paying bank----a branch，an agent bank or a correspondent bank (联行) entrusted by the remitting bank, located in the exporter’s place.
Flowchart of T/T&M/T
Remitter
① ③ ② ④ ⑤
Payee/Beneficiary
Remitting bank
⑥
Paying bank
M/T
M/T: remitting bank sending the mail advice(信汇委托书) or payment order(支付委托书) to the paying bank by air mail. the mail advice must be authenticated with tested key or authorized signature of the remitting bank. Upon receipt of the mail advice, the paying bank must first verify the tested key or authorized signature 核对密押或印鉴 After paying the payee, the paying bank claims reimbursement from the remitting bank. In practice, the remitting bank credits the account for the paying bank in the remitting bank.

会计：付款用语_外贸商务英语词汇

付款方法mode of payment现金付款payment by cash/cash payment/payment by ready cash以支票支付payment by cheque以汇票支付payment by bill以物品支付payment in kind付清/支付全部货款payment in full/full payment支付部分货款/分批付款payment in part/part payment/partial payment记帐付款/会计帐目内付款payment on account定期付款payment on term年分期付款annual payment月分期付款monthly payment/monthly instalment延滞付款payment in arrear预付货/先付payment in advance/prepayment延付货款deferred payment立即付款prompt payment/immediate payment暂付款suspense payment延期付款delay in payment/extension of payment支付票据payment bill名誉支付/干与付款payment for honour/payment by intervention结帐/清算/支付settlement分期付款instalment滞付/拖欠/尾数款未付arrears特许拖延付款日days of grace保证付款del credere付款to pay/to make payment/to make effect payment结帐to settle/to make settlement/to make effectsettlement/to square/to balance支出/付款to defray/to disburse结清to clear off/to pya off请求付款to ask for payment/to request payment恳求付帐to solicit payment拖延付款to defer payment/to delay payment付款被拖延to be in arrears with payment还债to discharge迅速付款to pay promptly付款相当迅速to pay moderately well/to pay fairly well/to keep the engagements regularly付款相当慢to pay slowly/to take extended credit付款不好to pay badly/to be generally in arrear with payments付款颇为恶劣to pay very badly/to never pay unless forced 拒绝付款to refuse payment/to refuse to pay/to dishonour a bill相信能收到款项we shall look to you for the payment/we shall depend upon you for the payment /we expect payment from you惠请付款kindly pay the amount/please forward payment/please forward a cheque.我将不得不采取必要步骤运用法律手段收回该项货款i shall be obliged to take the necessary steps to legally recover the amount. /i shall be compelled to take steps to enforce payment.惠请宽限let the matter stand over till then./allow me a short extension of time. /kindly postpone the time for payment a little longer.索取利息to charge interest附上利息to draw interest/to bear interest/to allowinterest生息to yield interest生息3% to yield 3%存款to deposit in a bank/to put in a bank/to place on deposit/to make deposit在银行存款to have money in a bank/to have a bank account/to have money on deposit向银行提款to withdraw one‘s deposit from a bank换取现金to convert into money/to turn into cash/to realize折扣用语从价格打10%的折扣to make a discount of 10% off the price/to make 10% discount off the price打折扣购买to buy at a discount打折扣出售to sell at a discount打折扣-让价to reduce/to make a reduction减价to deduct/to make a deduction回扣to rebate现金折扣cash discount货到付款/现金提货cash on deliver （c.o.d.）货到付现款cash on arrival即时付款prompt cash净价/最低价格付现net cash现金付款ready cash即期付款spot cash/cash down/cash on the nail凭单据付现款cash against documents凭提单付现款cash against bills of lading承兑交单documents against acceptance （d/a）付款交单documents against payment （d/p）折扣例文除非另有说明，30日后全额付现，如有错误，请立即通知。

外贸英语函电--支付条款课件

5. exception n. 例外
6. departure n. 离开，违背（后接介词from） 1) It is a gross departure from promise. 这严重地违反了你方的诺言。 2)We can get the goods ready before the ship’s departure. 我们能在起航前将货物备妥。
出口人持票向指定的银行收取货款。
• payment in advance预付货款,cash with order随定单付现 • cash on delivery交货付现, open account trade记帐交易
Introduction
• Collection托收
• 出口方发货之后，开立以进口方为付款人的商业汇票并附上有关单据，委托当地银行通过进口地所在地银行向进口方代收货款。 • D/P付款交单：代收行在收到进口方货款后，将汇票等单据交付给出口方。 • D/A承兑交单：代收行收到进口方承兑的远期汇票之后，将跟单汇票交给付款人，进口方于汇票到期日付清货款。
2) This way of settling the case would set an awkward precedent. 这样解决此案将开创一个难以处理的先例。
• Analyzing the letter
• Paragraph 1: identifying the reference • Paragraph 2: accepting the proposal, giving the reasons • Paragraph 3: making it clear that the concession does not apply to future transactions • Paragraph 4: detailing the enclosure

terms of payment 外贸函电支付方式

Terms of PaymentWarm- upHow many instruments of payment do you know?How many basic methods of payment do you know?Have you ever heard about L/C?Why is L/C generally used in international trade?Learning objectives⏹To learn the basic three instruments of payment –bill of exchange, promissory note and cheque.⏹To learn the modes of payment in int’l trade – remittance, collection, letter of credit.⏹To be aware of the advantage and disadvantage under different payment methods.⏹To learn the letter of asking for easier terms⏹To learn the letter of replying for negotiate payment termsTerms of PaymentThe terms of payment are an important part of the sales contract both sellers and buyers are concerned about.Conditions under which the seller and buyer agree to settle the financial amount of the sales contract.International payment arrangements are much complicated because:Financial instruments⏹In int’l trade, currencies and bills are two major means of payment.⏹It is difficult for the buyer to pay and the seller to deliver the goods face to face.⏹They use documents to fulfill their respective obligations, i.e., the seller delivers the goods and is paid against the documents, meanwhile the buyer makes payment and get the goods against the documents. Banks are intermediaries, and bills are instruments of payment.Instruments of Int’l SettlementClassification of drafts1.According to time when the draft falls due:----Sight (Demand ) Bill(Draft)----Time ( Usance) Bill (Draft)2.According to the Shipping documents attached or not:----Clean Bill (no conditions)----Documentary Bill3.According to who the drawer is:----Commercial Bill----Banker’s Bill※An Example of a Banker’s DraftAn Example of a Commercial DraftPromissory Note 本票中国建设银行现金支票样本Three Main Methods of PaymentTypes of RemittanceRemittance is chiefly used forPayment in advance;Cash with order;Delivery first and payment afterwards;Small quantity of goods;Commission;Sundry chargesTypes of Remittance⏹Mail Transfer, M/T⏹Cheap but slow, seldom used⏹Telegraphic Transfer, T/T⏹Fast and safe for exporter to get the money⏹The most commonly used type of remittance⏹Demand Draft, D/D⏹Flexible to draw money⏹Convenient for the exporterTypes of CollectionTypes of Collection⏹Collection belongs to commercial credit.⏹The banker only functions as a middleman, and his obligation is only to provide services of delivering documents and collect payment. The seller sends goods first, and gets payment later. Whether the seller can get the payment or not is reliable on the buyer’s credit. The buyer gets financing from the seller.Letter of Credit, L/C信用证⏹A L/C is a conditional written undertaking given by bank on the request of an importer to pay at sight or at determinable future date a certain amount of money to the exporter against stipulated documents, provided that the terms and conditions of the credit are complied with.Letter of Credit, L/C信用证The Characteristics of L/CThe advantages of using an L/CIt is reliable and safe for both sellers and buyers.Because the issuing bank use its own credit to guarantee the payment of orders.The disadvantages of using an L/CComplicated procedure of applying for a L/CBanks will charge service fee for issuing a L/C, therefore it add more cost to the buyer.Confirmed , Irrevocable,Documentary Credit, at sight⏹Modes of payment means a series of acts or operations to realize the funds flow from one country to another.Modes of Int’l PaymentDocumentary CreditRevocable Documentary CreditIrrevocable Documentary CreditConfirmed Irrevocable CreditSight Payment Credit/Negotiation Credit议付Deferred Payment Credit/Acceptance Credit承兑Transferable CreditNon-transferable CreditRevolving Credit循环信用证Reciprocal Credit对开Anticipatory Credit预支信用证Remittance and Collectioncommercial credit offered by companies.Letter of Creditbanker’s credit offered by banks.Letter of CreditL/C: the most generally used method of payment, which is reliable and safe for both sellers and buyers.Characteristics of L/C(1) L/C is an independent instrument compared to contract, and not affected by contract.(2) The bank bears responsibility of First Payment.(3) The bank bears responsibility of the documents not the commodity itself.---- “Document Business”(4) L/C is an agreement among the bankers, beneficiary, opener and all other parties concerned and all parties concerned will be bound by the term on L/C.Terms of PaymentQuestionsQuestionsMain points of Asking for easier paymentOpening:a.reference to the relative order or contract; Mention the contract, goods, etc.Body :b.putting forward favorable payment terms; Propose the terms of paymentC.stating the reasons;Closing:d.expecting acceptance. Wish the reader to accept.Sample letter study1. Agree to the requirements:Opening:a.receiving the letter; State that you have received the letter.Body :b.acceptance of the payment terms;C.stating the reasons of acceptance;Give your reply of agreeing or refusing and your reason.Closing :d.expecting cooperation of acceptance. State your good will and your wish to do business with the reader.2. disagree to the requirements:Opening:a.receiving the letter;Body :b.expressing refusal and stating reasons;C.providing suggestions of new payment terms or insisting on previous terms;Closing :d.hoping to cooperate in the future.Amending payment termsWords & PhrasesDear Mr. Smith,Referring to the contract No. 123, we place an order with you for12000 Spinning Machine (纺纱机) Parts.In the past, our purchases of Spinning Machine Parts from you havenormally been paid by confirmed, irrevocable letters of credit. Thisarrangement has cost us a great deal of money. From the moment weopen the credit until our buyers pay us normally it ties up funds for aboutfour months. This is currently a particularly serious problem for us in view ofthe difficult economic climate and the prevailing high interest rates.If you could offer us easier payment terms, it would probably lead to anincrease in business between our companies. We propose either cash againstdocuments on arrival of goods, or drawing on us at three months’ s ight.We hope our request will meet with your agreement and look forward toyour early reply.Writing StepsUseful ExpressionsUseful ExpressionsWords & PhrasesDear Mr. Clinton,We enclose our Order No. 365. We have examined thespecifications and price list for your range of cotton shirts andnow wish to place an order with you.In the past we have traded with you on a sight credit basis.We would now like to propose a different arrangement. Whenthe goods are ready for shipment and the freight spacebooked, you will fax us and we will then remit the full amountby telegraphic transfer (T/T).We are asking for this payment so that we can giveour customers a specific delivery date and also save theexpense of opening a letter of credit. As we believe thatthis arrangement should make little difference to you andhelp with our sales, we trust that you will agree to ourrequest.We look forward to receiving confirmation of our orderand your agreement to the new arrangements forpayment.Writing StepsUseful ExpressionsUseful ExpressionsWords & PhrasesWriting StepsUseful ExpressionsUseful ExpressionsWords & PhrasesDear Mr. Merton,Thank you for your letter of 11 November 2005.We have considered your request for a trial deliveryof china on documents against acceptance terms, butregret to say that we cannot agree to your proposal.As an exception, the best we can do for the trial is tooffer D/P.If you accept our proposal you run very little risk, sinceour china is well known for its quality, attractive design andreasonable price. Our lines sell very well all over the worldand have done so far for the last 50 years. We do not thinkyou will have any difficult in achieving a satisfactoryvolume of sales.If you find our proposal acceptable, please let us knowand we can then expedite the transaction.Yours sincerely ,Writing StepsUseful ExpressionsAnalyzing the letterParagraph 1: identifying the referenceParagraph 2: accepting the proposal, giving the reasonsParagraph 3: making it clear that the concession does not apply to future transactions Paragraph 4: detailing the enclosureLanguage Points1. pay v. 付款1) pay in advance 预付2) pay by installments 分期付款3) pay on delivery 货到付款4) pay by 30 days L/Cpay by time L/C at 30 days以见票后30天议付的信用证付款5) pay by sight L/C 以即期信用证付款We trust you will pay our draft on presentation.我们相信你方在见到我们的汇票时即照付。

Terms of Payment 外贸英语函电课件

2. The total value of this transaction is $8,750 but not $7,850. Please increase it to $ 8,750.
3. The time of shipment stipulated in S/C is during July/August, while your L/C expires on August 18. Please amend the L/C to read: “ This credit expires on September 21.”
in accordance with in conformity with in compliance with comply with conform to observe abide by
1.set forth formal to explain ideas, facts, or opinions in a clearly organized way in writing or in a speech [= set out]:
secured be strengthened by (with) straps
reinforced
make compensation for loss
compensate: to pay someone money in exchange for something that has been lost or damaged or for some inconvenience: Victims of the crash will be compensated for their injuries.
amendment to covering L/C

Termsofpayment大全10页

Terms of payment 大全，外贸常识payment 支付，付款to pay 付款，支付，偿还dishonour 拒付deferred payment 延期付款progressive payment 分期付款payment on terms 定期付款payment agreement 支付协定pay order 支付凭证payment order 付款通知payment by banker 银行支付payment by remittance 汇拨支付payment in part 部分付款payment in full 全部付讫clean payment 单纯支付simple payment 单纯支付payment by installment 分期付款payment respite 延期付款payment at maturity 到期付款payment in advance 预付（货款）Cash With Order (C.W.O) 随订单付现Cash On Delivery (C.O.D) 交货付现Cash Against documents (C.A.D) 凭单付现pay on delivery (P.O.D) 货到付款payment in kind 实物支付payment for (in) cash 现金支付，付现pay...Co. only 仅付...公司pay...Co. not negotiable 付...公司，不准疏通pay...Co. or order (pay to the order of...Co.) 付...公司或其指定人refusal 拒绝decline 下降，下跌the refusal of payment 拒付the bank interest 银行利息something goes wrong 某事上出问题，出现差错commodity 产品convenient 方便的discount 贴现draft 汇票Promisory Note 本票cheque 支票clean bill 光票documentary bill 跟单汇票Sight Bill 即期汇票Time Bill 远期汇票Usance Bill 远期汇票Commercial Bill 商业汇票Banker's Bill 商业汇票Banker's Bill 银行汇票Commercial Acceptance Bill 商业承兑汇票Bankers' Acceptance Bill 银行承兑汇票invoice 发票Performer Invoice 形式发票Sample Invoice 样品发票Consignment Invoice 寄售发票Recipe Invoice 收妥发票Certified Invoice 证明发票Manufacturers' Invoice 厂商发票At...days (month)after sight 付款人见票后若干天（月）付款At sight 即期，见票即付At...days sight 付款人见票后若干天即付款At...days after date 出票后若干天付款At...days after B/L 提单签发后若干天付款remittance 汇付Mail transfer (M/T) 信汇Demand Draft (D/D) 票汇collection 托收Telegraphic Transfer (T/T) 电汇clean Bill for Collection 光票托收documentary Bill for Collection 跟单托收Uniform Rules for Collection 《托收统一规则》Collection Advice 托收委托书Advice of Clean Bill for Collection 光票托收委托书Collection Bill Purchased 托收出口押汇Trust Receipt 信托收据copy 副本original 正本documents against Payment (D/P) 付款交单documents against Payment at Sight (D/P sight)即期付款交单to make exception 例外sales-purchasing 促销，推销documents against Payment after Sight (D/P sight) 远期付款交单documents against Acceptance (D/A) 承兑交单dealing 交易，生意destination 目的地Cash Against Payment 凭单付款Letter of Credit (L/C) 信用证form of credit 信用证形式Terms of validity 信用证效期Expiry Date 效期Date of issue 开证日期L/C amount 信用证金额L/C number 信用证号码to open by airmail 信开to open by cable 电开to open by brief cable 简电开证fixed L/C or fixed amount L/C 有固定金额的信用证to amend L/C 修改信用证Sight L/C 即期信用证Usance L/C 远期信用证Buyer's Usance L/C 买方远期信用证Traveler's L/C 旅行信用证Revocable L/C 可撤消的信用证Irrevocable L/C 不可撤消的信用证Confirmed L/C 保兑的信用证Unconfirmed L/C 不保兑的信用证Confirmed Irrevocable L/C 保兑的不可撤消信用证Transferable L/C 可转让信用证Irrevocable Unconfirmed L/C 不可撤消不保兑的信用证Untransferable L/C 不可转让信用证Revolving L/C 循环信用证Reciprocal L/C 对开信用证Back to Back L/C 背对背信用证Countervailing credit （俗称）子证Overriding credit 母证Banker's Acceptance L/C 银行承兑信用证Trade Acceptance L/C 商业承兑信用证Red Clause L/C 红条款信用证Anticipatory L/C 预支信用证Credit payable by a trader 商业付款信用证Credit payable by a bank 银行付款信用证usance credit payment at sight 假远期信用证Uniform Customs and Practice for documentary Credits 跟单信用证统一惯例I.C.C. Publication No.400 第400号出版物Credit with T/T Reimbursement Clause 带有电报索汇条款的信用证method of reimbursement 索汇方法without recourse 不受追索Opening Bank' Name & Signature 开证行名称及签字beneficiary 受益人guarantor 保证人Exporter's Bank 出口方银行Importer's Bank 进口方银行Seller's Bank 卖方银行Buyer's Bank 买方银行Paying Bank 付款行，汇入行Remitting Bank 汇出行Opening Bank 开证行Issuing Bank 开证行Advising Bank 通知行Notifying Bank 通知行Negotiating Bank 议付行Drawee Bank 付款行Confirming Bank 保兑行Presenting Bank 提示行Transmitting Bank 转递行Accepting Bank 承兑行pay bearer 付给某人bearer 来人payer 付款人consignee 受托人consignor 委托人drawer 出票人principal 委托人drawee 付款人consignee 受托人truster 信托人acceptor 承兑人trustee 被信托人endorser 背书人discount 贴现endorsee 被背书人endorse 背书holder 持票人endorsement 背书bailee 受托人，代保管人payment against documents 凭单付款payment against documents through collection 凭单托收付款payment by acceptance 承兑付款payment by bill 凭汇票付款Letter of Guarantee (L/G) 保证书Bank Guarantee 银行保函Contract Guarantee 合约保函Payment Guarantee 付款保证书Repayment Guarantee 还款保证书Import Guarantee 进口保证书Tender/Bid Guarantee 投标保证书Performance Guarantee 履约保证书Retention Money Guarantee 保留金保证书documents of title to the goods 物权凭证Authority to Purchase (A/P) 委托购买证Letter of Indication 印鉴核对卡Letter of Hypothecation 质押书General Letter of Hypothecation 总质押书最新报关英语打全最新报关英语大全:一．单证（documents)进出口业务涉及的单证总的包括三大类：1。

外贸英语函电8Terms of Payment

Terms of Payment
Re: Vacuum Cleaners We have received you letter of December 19, and appreciate your intention to push the sales of our vacuum cleaner in your country. We regret we are unable to consider your request for payment on D/A terms, as a rule, we ask for payment by L/C. In view of our friendly relations, we will, as an exceptional case, accept payment for your trial order on D/P basis. In other words, we will draw on you by documentary draft at sight, through our bank on collection basis, without L/C. But let us make it clear that this accommodation is only for your trial order, which will in no case set a precedent. We hope the above payment terms will be acceptable to you and expect to receive your trial order in due course. We look forward to you early reply. Dear Sirs,

term of payment

Ter ms of Pay ment支付条款Brief Introduction目前，国际贸易中常用的付款方式( payment terms)有：汇付（Remittance）、托收（Collection )、信用证（Letter of Cred it）三种方式。

大金额交易时主要是用到信用证，小买卖当然是用托收和汇付来完成。

作为国际结算中的一个重要组成部分，对外贸易货款的支付一般是利用汇票这种支付凭据通过银行进行的。

汇票中的跟单汇票（Documentary Draft）是对外贸易中最常用的一种支付工具。

汇票按付款时间的不同，分为即期汇票和远期汇票两种。

Basic Expressions1. Our terms of payment are by a confirmed irrevocable letter of credit by draft at sight.我们的支付方式是以保兑不可撤消的、凭即期汇票支付的信用证。

2. Since the total amount is so big and the wor ld monetary market is rather unstable at the moment, we can not ac cept any terms of payment other than a Letter of Credit.因为这次交易额大，而且目前国际金融市场很不稳定，所以我们除接受信用证付款外，不能接受别的付款方式。

3. We would suggest that for this particular order you let us have a D/D, on receipt of which we shall ship t he goods on the first available steamer.此次订货，我们建议你们使用即期汇票。

收到该汇票后，我们将把货物装上第一条可定到的船。

外贸英语函电第五章 TERMS OF PAYMENT

了解汇付在国际贸易中的应用；
Understanding the application of collection in international trade；
了解托收在国际贸易中的应用；
Master the application of letter of credit in international trade；
5.1.1 Usual Terms of Payment in a Sales Contract（销售合同的常用付款方式）
1. Remittance 2. Collection 3. Letter of Credit
1. Remittance
Remittance, as the simplest method of payment in international trade, means that a bank, at the request of its customer, transfers a certain sum of money to its overseas branch or correspondent bank, instructing it to pay a named person in that country.
用证）
1. L/G 2. Standby L/C
国际贸易货款的支付主要涉及支付工具、支付时间、支付地点和信用等方面。支付方式多种多样，汇付、托收和信用证是采用最多的三种方式。
汇付是付款人通过银行，把款项汇给收款人的支付方式。汇付主要包括电汇、信汇和票汇三种方式。
托收是由卖方开具汇票，委托所在地银行，通过买方当地银行向买方收款。托收分光票托收和跟单托收两种。
2. Collection

TermsofPayment支付方式(共37张PPT)

4. 由于金额很小，我方同意向你方开出即期跟单汇票。 5. In view of the small amount of this transaction, we agree to
draw on you by documentary sight draft.
感谢你方5,000打衬衫的订单。 Letter One
LETTER TWO
If you could offer us easier payment terms, it would probably lead to an increase in business between our companies. We propose either cash again documents on arrival of goods, or drawing on us at three months’ sight.
汇付主要用于以下业务：
➢ 预付货款——Payment in advance ➢ 随定单付现——Cash with order ➢ 交货付现——Cash on delivery ➢ 记帐交易——Open account trade
Methods of Payment
2. 托收
Collection
3. 是出口人在货物装运后，开具以进口方为付款人的汇票（随附或不随附货运单据），委托出口地银行通过它在进口地的分行或代理行向进口人收取货款一种结算方式。
We hope our request will meet your arrangement and look forward to your early reply.
LETTER THREE
感谢你方三月十日的来函并得知你方希望我们对支付条款做一变更。

unit 4 terms of payment 付款方式

order.No.789
6. contract
n. arrangement 合同、合约
e.g. 请注意信用证条款应与合同一致。 Please note that the L/C terms shall be in accordance with that in the contract.
adj. contracted 合同上的，规定的，所购的
d. expectation of favorable reply
Translate the following letter
• 敬启者： • 2008年9月1日来信收悉。 • 我们通常采用信用证方式付款。鉴于这是贵公司的第一份订单，我们准备接受即期付款交单方式（或30天远期付款）来议付货款，但不可作为先例。今后交易仍要以信用证方式付款。 • 盼早日回音。 • 谨启
• Dear Sirs, • We are in receipt of your letter of 1 September 2008. • It is our usual practice to make payment on L/C basis. In view of your first order, we are prepared to accept payment by D/P at sight (or 30 days’ sight) for the value of goods shipped, but it should not be taken as a precedent. For future transactions, payment by Letter of Credit will still be required. • We are waiting for your early reply. • Yours faithfully,

支付方式(method of payment)

支付方式(method of payment)
•Remittance – 汇付顺汇法商业信用
•Collection – 托收
•Letter of credit (L/C) – 信用证
逆汇法
银行信用
汇
汇付信汇电汇
付
票汇
单纯支付
预付货款
随订单付现
交货付现
记帐交易
托
收
一. 种类: 1. 跟单托收 documentary collection 1) D/P 2) D/A 2.光票托收 clean bill collection 二. 当事人: 1.委托人 ( principal/ drawer) ……出口人 2.托收银行 ( remitting bank)… 出口地银行 3.代收银行 ( collection bank)… 进口地银行 4. 付款人 ( payer/drawee) …… 进口人
出口人 ② 交单委托
⑩ ③ 支回付单货款
⑥ 验单承兑
⑤ 承兑提示和通知
④寄送单据
代收行
⑦承兑通知
⑨转帐并通知
托收行
进口人
⑨ 二次提示并收款
①订立合同,订立结算方式
出口人
② 交单委托
⑾ ③ 支回付单货款
⑦ 验单承兑银行交单
⑥ 承兑提示和通知
D/P at sight 程序
进口人
⑥ 验单付款 ⑤ 提示和通知
①订立合同确定结算方式
出口人 ② ⑨ 交 ③ 支回单单付货委款托托收行
⑦ 交单
④寄送单据 ⑧转帐并通知

Method of payment

- Banker's draft: Buyer's bank issues a draft. draft: draft. Buyer sends it directly to suppliers who pay it into their bank account. Then they will account. usually receive immediate credit. credit. - International Money Orders: issued by a Orders: buyer's bank and bought in the currency that the seller accepts. The sellers bank accepts. cashes it against signature or a form of photo identification. identification.
5) The advising bank sends the shipping documents and bank. Documentary Bill of Exchange to the issuing bank. 6) The issuing bank sends the documents to the importer. importer. 7) The importer uses the shipping documents to obtain delivery of the goods, and pay the Documentary Bill of Exchange. - If the bill is drawn 'at sight, you pay the amount of the sight, bill in full when it is presented to you. - If the bill is drawn payable after a certain number of days you 'accept' the bill, you sign across the bill your bill, agreement to pay the amount full on the due date.

Offer 报盘询盘,还盘,Terms of Payment支付条款

Offer 报盘Brief Introduction报盘是交易磋商中必经的主要环节之一。

在出口贸易中，报盘通常是卖方向买方提出某种交易条件（包括商品名称、数量、规格、交货期等）并愿按此条件成交。

报盘有虚盘（Offer Without Engagement）和实盘（Firm Offer）两种形式。

虚盘是报盘人所作的非承诺性表示。

虚盘都附有保留条件，如“以我方最后确认为有效”（Subject to our final Confirmation）等。

一般说来，虚盘对报盘人没有约束力，较为灵活，可以根据市场变化挑选成交时机和相宜的对手，以取得有利的交易条件。

实盘是报盘人在规定的一定期限内愿按所提条件达成交易的肯定表示。

报盘在有效期内不得随意撤回或修改报盘内容。

报盘一经买方在有效期内无保留地接受，交易即告成立，双方就有了法律约束力的合同关系。

Words and Phrasesoffer 报盘，报价to offer for 对……报价to make an offer for 对……报盘（报价）firm offer 实盘non-firm offer 虚盘to forward an offer (or to send an offer) 寄送报盘to get an offer(or to obtain an offer) 获得……报盘to cable an offer (or to telegraph an offer) 电报（进行）报价offer and acceptance by post 通过邮政报价及接受to accept an offer 接受报盘to entertain an offer 考虑报盘to give an offer 给...报盘to submit an offer 提交报盘official offer 正式报价（报盘）quote 报价quotation 价格preferential offer 优先报盘cost of production 生产费用reasonable 合理的competitive 有竞争性的the preference of one's offer 优先报盘wild speculation 漫天要价Basic Expressions1. This offer is firm subject to your immediate reply which should reach us not later than the end of this month. There is little likelihood of the goods remaining unsold once this particular offer has lapsed.上述报盘以你方答复在不迟于本月底前到达我方为有效。

unit9.termsofpayment付款方式

unit9.termsofpayment付款方式1.general sales terms and conditions 一般销售条款2.confirmed , irrevocable letter of credit 保兑的、不可撤销的信用证3.in our favor 以我方为受益人in favor of…以……为受益人The draft should be drawn in favor of you .汇票应以你方为受益人。

4.draft at sight 即期汇票You may draw a draft at sight on us .你可以向我方开立即期汇票。

5.negotiation 议付Adequate time should be left for the bank negotiation .应留有足够的时间到银行议付。

6.prescribed 规定的Anything prescribed in our contract should be abided by .我们合同的所有事项都应遵守。

7.transshipment 转船8.partial shipments 分批装运9.in accordance with 与……一致Everything should be in accordance with what is prescribed .一切都应与规定的一致。

10.a bove-mentioned 以上提到的11.i n this concern 在这方面Your accommodation in this concern is highly appreciated .非常感谢你方在此事的合作。

12.f avorable reply 肯定的回复，有利的回复13.v alid until 有效至……14.a re authorized to 经授权做……15.t he amount of invoice 发票金额16.p resent 提交presentation 提交on/upon presentation of the shipping documents 一经提交装运单据17.p acking list 装箱单18.c ertificate of origin 原产地证19.i n receipt of 收到20.d ated 于……天Your email dated November 19 has been received .您11月19日的来信已收到。