Terms of payment 国际贸易支付方式教学文稿
外贸英语函电教程Unit 5 Terms of payment
Activity 2 Which one is more favorable?
①
开证申请人（进口商）
受益人（出口商）
⑧
②
④
⑤
③
付款行/开证行
⑥
通知行/议付行
⑦
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①
开证申请人（进口商）
受益人（出口商）
⑧
②
④
⑤
③
付款行/开证行
⑥
通知行/议付行
⑦
⑥ 议付行将汇票和货物单据寄交 开证行或其指定银行索偿；
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①
开证申请人（进口商）
受益人（出口商）
⑧
②
④
⑤
③
付款行/开证行
⑥
通知行/议付行
Activity 2 Which one is more favorable?
3. Which of the following terms of payment is safe for both importers and exporters?
A. L/C. B. T/T. C. D/P. D. D/A 30 days.
7. If the exporter and the importer do not know each other well and are located in countries thousands of miles apart, which of the following terms of payment is the safest for the exporter?
unit 4 terms of payment 付款方式解读
• • • •
表达付款方式的句子有: The terms of payment are by... The payment is to be made by... The mode of payment is by...
• in payment of (money of invoice, expenses and commission ) • in payment for (money of some specific things)
承兑交单（D／A）
• 承兑交单指出口方发运货物后开具远期汇票， 连同货运单据委托银行办理托收，并明确指示 银行，进口人在汇票上承兑后即可领取全套货 运单据待汇票到期日再付清货款。 承兑交单 和上面提及的“付款交单，凭信托收据借单” 一样，都是在买方未付款之前，即可取得货运 单据，凭以提取货物。一旦买方到期不付款， 出口方便可能银货两空。因而，出口商对采用 此种方式持严格控制的态度。
Lesson 13 Extension of L/C
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introduction
在国际贸易中基本有5种支付方式:汇付、托收和 国际保理、福费廷和信用证。汇付通常用于支付 老客户的小额订单、佣金、样品、定金等。有时, 采用付款交单或承兑交单向银行托收货款。保理 是一种集流动资本融资、信用风险担保、应收账 款管理和托收服务于一体的金融产品。在福费廷 业务下,银行无追索权地购买出口商远期承兑汇票 票据,向出口商提供融资。信用证是一种对买卖双 方都较为可靠、安全的支付方式。
• e.g. 随函附上一张5000美元的支票,支付123号发票。 • We enclose a cheque for＄5,000 in payment of the invoice No.123. • 我方寄去一张5000美元的支票,支付订购的椅子。 • We send a cheque for＄5,000 in payment for chairs we ordered.
支付条款TermsofPayment
Terms of Payment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 world 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 the goods on the first available steamer.此次订货，我们建议你们使眉雌诨闫薄Ｊ盏礁没闫焙螅 颐墙 ?/span> 货物装上第⼀条可定到的船。
现代商务英语第8章支付条款(Terms of Payment)
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8.1 Application Form for Credit APPLICATION FOR DOCUMENTARY CREDIT TO: BANK OF CHINA, XI’AN BRANCH
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5
6
8.2
Insisting on L/C Payment
March 10, 2006 Dear Sirs, Thank you for your order of March 2nd. We are pleased to learn that you intend to give our canned mushroom a trial sale in your market. We hope this is a good beginning of our happy working relationship. While we appreciate your good intention, we insist on opening the L/C through a bank approved by both parties, which is our usual way of requirement. As we require payment by irrevocable letter of credit available by draft at sight, we do not make any
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本章主要内容有： ①开立信用证申请书（Application form for credit）； ②坚持信用证支付（Insisting on L/C payment）； ③同意信用证支付（Agreeing to L/C payment）； ④要求更多折扣（Asking for more discount）； ⑤回绝给予更多折扣（Rejecting more discounrary to our usual practice, especially for a new customer. Therefore, we should like you to accept L/C terms for this transaction and future ones. All the stipulations in your L/C should be in conformity with those in the contract. We hope the above payment terms are acceptable to you and look forward to your confirmation. If you agree, please expedite the establishment of the L/C to enable us to effect shipment. Yours faithfully, (signature)
新编外贸英语函电写作教程Unit 6 Terms of Payment
2020/10/16
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Specimen Letters
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Letter 1 Requesting Terms of Payment
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Letter 1 Requesting Terms of Payment
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Letter 3 Urging Establishment of an L/C
Core Vocabulary stipulation: 规定，条款 expedite: 加快，加速
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Enhance Your Grammar
1. As we are ______ of these goods, please expedite shipment after receiving our L/C.
的原因 3. 见卖方Step 3，表达与对方合作的意愿
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Enhance Your Grammar
1. We suggest that you ______ our representative in Beijing for your requirements.
A. will contact
A. to an effect
B. to this effect
C. to that effect
D. to the effect
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Mini Case
Please write a reply to a letter pressing for overdue payment. You may use the ideas given below.
现代商务英语第8章支付条款(Terms of Payment)
国际贸易中，货物和货款的相对给付一般不 是由买卖双方当面完成的。卖方发货交单，买方 凭单付款，以银行为中介，以票据为工具进行结 算，是当代国际贸易结算的基本特征。结算过程 中买卖双方所承受的手续费用、风险和资金负担 是双方选择结算方式所考虑的主要因素。因此， 交易双方在签订订单时，就要对每笔交易的付款 方式达成共识。在当今国际贸易结算方式中，有3 种主要的付款方式：
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arrangement contrary to our usual practice, especially for a new customer. Therefore, we should like you to accept L/C terms for this transaction and future ones. All the stipulations in your L/C should be in conformity with those in the contract. We hope the above payment terms are acceptable to you and look forward to your confirmation. If you agree, please expedite the establishment of the L/C to enable us to effect shipment. Yours faithfully, (signature)括预付货款和订货付 现）、托收（Collection）（付款交单和承兑交单）和 信用证（Letter of Credit）。汇付和托收属于商业信用， 习惯上称为无证结算业务；信用证属于银行信用，习 惯上称之为有证结算业务。信用证付款是当前国际贸 易中最常采用的付款方式，即买卖双方签订了购货合 同和售货确认书后，买方应根据合同中的支付条款， 通常在发货前一个月开立信用证。它可以确保出口商 按信用证条款发完货后，而不是进口商收到货后，就 可从银行得到货款，这样，就给了出口商最大限度的 收款保障。因此出口商通常要求信用证支付。汇付和 托收对出口商的保护程度不如信用证大，它们通常是 在交易金额较小时使用。
termsofpayment外贸函电支付方式
While payment is sometimes made by Remittance and Collection, the most generally used method of payment is the Letter of Credit .
If you would kindly make easier payment terms,
we are sure that such an accommodation
would be conducive to encouraging business
between us. We propose either “ Cash against
With reference to the contract of … (关于……的合同)
See also previous units for other similar expressions
2. Putting forward favorable payment term or stating the reasons
has been paid as a rule by confirmed, irrevocable L/C. which has indeed cost us a great deal. From the moment to open credit till the time our buyers pay us, the tie-up of our funds lasts about three months. Under the present circumstances, this question is particularly taxing owing to the tight money condition and unprecedentedly high bank interests.
Terms of payment 国际贸易支付方式【范本模板】
Terms of PaymentDraft Wordlist：Bill of exchange/draft 汇票（B/E）drawer 出票人drawee/payer 受票人/付款人Issue出票Presentment/Presentation提示Acceptance承兑Payment付款Endorsement背书Dishonor and recourse拒付和追索Procedure：1)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 documents under a credit to the issuing 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，或指按此方式提交的单据.3）承兑(acceptance）。
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）。
国际货物运输与保险国际贸易支付
绝对必要记载项目
无条件书面支付命令 (unconditional order to pay)
票据支付的文义不能附加某项条件及支付方式不能受限制，否则票据无效。票据必须采用书面形式，包括印刷、手写和打字等，但不能以铅笔或类似书写工具做成。
写明“汇票”字样
书面形式 (2)支付命令 (3)无条件性
又称汇款（remittance）
一、汇付的概述
在进出口业务中通常是买方。
1、汇款人(remitter)
在进出口业务中通常是卖方。
2、收款人(payer or beneficiary)
接受汇款人的委托，办理汇出汇款业务的银行。
3、汇出行(remitting bank)
又叫付款行或解付行。 汇入行通常是汇出行的联行或代理行。
电汇是汇出行应汇款人的要求，用加押电报、电传委托付款行向收款人付款的方式。
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电汇方式和信汇、票汇相比一个显著特点是快。在银行，电汇的优先级最高，一般均在当天处理。而且，由于是银行之间的直接通讯，差错率较低，遗失的可能性也极小。但由于汇出行占压汇款资金时间极短，甚至根本不占压，因此收费也较高。电汇适用于汇款金额大、汇款急的汇款。
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电汇的概念及特点
（二）电汇（T/T)
2、电汇结算业务流程（T/T)
付款人 （进口商）
收款人 （出口商）
电汇申请书 交款付费
汇入行
电汇委托通知书
付讫借记通知
付 款
汇款 通知
收 据
买卖合同约定以 电汇为结算方式
汇出行
电 汇 回 执
①
②
③
④
⑤
⑥
⑦
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简单地来说，票汇就是银行用即期汇票作为汇款工具的结算方式。
《外贸函电》unit 4terms of payment
UNIT 4 TERMS OF PAYMENTI.Teaching Aims and RequirementsBy learning this unit, the students are supposed to be able to1. Know the basic instruments and methods of payment terms2. Write letters concerning international paymentII. Contents1.Methods of payment in international trade.2.The kinds of L/C3.The operation of L/C4. The structure of a business letter abour discussing the terms of paymentIII. Focus on and Difficulties1.The procedure of asking to open and extend an L/C2.The amendment to yhe L/CIV. Teaching steps1.The types of business letter about the terms of payment1) 开证函(1)谈及订单或合同项下货物(2)提出支付方式的要求及理由(3)强调惯例做法，请给与理解(4)卖方同意买方要求，则表明相互通融，对对方的要求予以考虑以及对成功合作的意愿；卖方若拒绝买方要求，则表明自己做法的合理性，必然性2) 改证函(1)确认收到信用证，指出不符点(2)要求改证，对不符点内容的修改(3)望早日收到修改书2. Useful pattern1.Opening L/C(1)We enclose an application form for documentary credit and shall beglad if you will arrange to open our account an irrevocable L/C for $40,000 in favour of ABC Company, the credit to be valid until July12.(2)We write to inform you that we have today established with Bank ofChina an irrevocable documentary L/C in your favor for the amount of $53,000 covering1,000 sets of TV.2.Rushing L/C(1)Please expedite /rush the L/C so that we can execute the ordersmoothly.(2)As the goods have been ready, please rush the L/C covering S/CA V_231.(3)The shipment date is approaching. It would be advisable for you toopen the L/C covering your Oder No.341 the soonest possible so as to effect the shipment within the stipulated time.3.Amending L/C(1)We have received your L/C No.123 and on checking up the clauses/onperusal/on examination of the clauses, have regretfully found the following discrepancies in it.(2)We have amended the quantity as 250 metric tons.(3)We have found the amount of your L/C is insufficient. Please increasethe unit price US$3 to US$3.5 and the total amount to $ 60,000.V. Practical Writing敬启者：我们已收到你方11月8日的来信，要求我们以承兑交单方式发运你方一批手提电脑。
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,
unit 6 terms of payment 教案
Unit 6: Terms of Payment 教案教学目标1.学生能够理解并掌握付款方式的种类和特点。
2.学生能够根据实际情况选择合适的付款方式。
3.学生能够了解并认识到付款方式在国际贸易中的重要性。
4.培养学生的跨文化交流意识和国际贸易知识。
教学内容1.付款方式的种类：信用证、电汇、托收、西联汇款等。
2.各种付款方式的操作流程和特点。
3.国际贸易中付款方式的谈判和选择。
教学难点与重点•重点：各种付款方式的操作流程和特点。
•难点：如何根据实际情况选择合适的付款方式，以及付款方式在国际贸易中的风险和注意事项。
教具和多媒体资源1.投影仪及PPT演示文稿2.付款方式流程图及特点表格3.国际贸易实际案例视频或音频资料教学方法1.激活学生的前知：通过提问学生日常生活中的付款方式，引导学生思考国际贸易中的付款方式。
2.教学策略：讲解、示范、小组讨论、案例分析。
3.学生活动：角色扮演国际贸易中的买卖双方，模拟谈判付款方式。
教学过程1.导入：故事导入-讲述一个因为付款方式选择不当而导致的国际贸易纠纷。
引导学生思考合适的付款方式对贸易的重要性。
2.讲授新课：系统讲解信用证、电汇、托收、西联汇款等付款方式的操作流程和特点，结合PPT 演示文稿进行讲解。
3.巩固练习：分小组，每组选择一种付款方式，进行流程演示和特点分析。
组间进行互评和讨论。
4.归纳小结：回顾各种付款方式的操作流程和特点，强调选择合适付款方式的重要性。
总结国际贸易中付款方式的注意事项和风险。
评价与反馈1.设计评价策略：小组报告、口头反馈、教师观察。
2.为学生提供反馈：针对学生的演示和讨论，给出具体的反馈和建议，帮助学生更好地掌握知识。
作业布置1.总结各种付款方式的特点和适用场景。
2.分析一个实际的国际贸易案例，指出其付款方式的选择是否合理，为什么？并提出改进建议。
3.预习下一课内容，了解国际贸易中其他交易条款。
terms-of-payment--国际贸易支付方式资料
Payment
Learning objectives
To learn the basic three instruments of payment – bill of exchange, promissory note and cheque.
Procedure of using bills of exchange
Draw/Issue ( 出票)
Presentation ( 提示)
Acceptance ( 承兑)
Payment （付款）
Endorsement (背书)
Dishonor & recourse ( 拒付和追索)
Eg. pay to xx Co. only; pay xx Co. or pay to the order of xx Co.
and sign it; (2) to deliver it to the payee
Presentment/Presentation（提示）: the act of taking
the bill to the drawee and demanding that he makes the payment or accepts the bill.
the person to whom, or to whose order, the bill is to be payable, such as “pay …or to order of”. Restrictive endorsement: the one which limits the bill for further negotiation, such as “pay… only” or “pay… nontransfer”. Blank endorsement: the one which makes the bill payable to bearer and to make delivery and without additional endorsement.
国际商务函电之付款方式terms-of-payment
Modes of payment
1. Remittance
2. Collection
3. Letter of credit
Remittance
It is a commercial credit, used in those sales under the terms of payment in advance, cash on delivery, and open account. • • Mail transfer: M/T Telegraphic transfer: T/T
Documentary collection (1) Documents against payment (D/P) The shipment documents are to be delivered against payment only. D/P at sight——Pay against documentary draft at sight
•
a check payable at sight
• 应付票据
• 应付款额
• 应付账款
• 见票即付支票
Payment： • payment terms
• payment on deferred terms
• monthly payments of $ 3,000 • 付款条件 • 延期付款 • 每月支付3000美元
• 信用证方式有三个特点： • 一是信用证是一项自足文件（self-sufficient instrument）。信用证不依附于买卖合同，银 行在审单时强调的是信用证与基础贸易相分离的 书面形式上的认证； • 二是信用证方式是纯单据业务（pure documentary transaction）。信用证是凭单 付款，不以货物为准。只要单据相符，开证行就 应无条件付款； • 三是开证银行负首要付款责任（primary liabilities for payment）。信用证是一种银行 信用，它是银行的一种担保文件，开证银行对支 付有首要付款的责任。
国际贸易操作流程专业英语 Unit 5 Terms of Payment
It gives us great pleasure to acknowledge receipt of your letter of November 23 enclosing a cheque for USD 3,860 in payment for dinnerware.
8. reiterate vt. 重申
We wish to reiterate that your further comments and suggestions on our goods will be always welcome.
9. draw v. 开出(汇票) draw (a draft on sb. for …) 向某人索取若干金额的汇票
The draft has already been negotiated and we are in a very embarrassing situation.
Your draft will be honored on presentation.
Please protect our draft on presentation. honor, meet, take up, protect, pay等动词和draft连用时作“照付”解。 dishonor, define, refuse, repudiate等动词和draft连用时作“拒付”解。 D/D = demand draft = bank draft/ bankers cheque 是银行开的汇票，等于 现金。
Unit 4 Terms of Payment 支付方式
5) We have draw a draft on you _________$2,000 _________the b underlined commodity. a. for…on b. for…against c. on…against d. on…for
6) As we must adhere to our customary practice, we can not extend you a d special _________ . a. accommodate b. unaccommodate c. accommodating d. accommodation d 7) Taking into _________ our long standing business relations with you, we accept _________by D/P. a. considering, enquiries c. considering, installment b. consideration, invitations d. consideration, payment
Specimen 1 a. receipt of the letter and referring to the payment terms b. expression of refusal and reason c. asking for new payment terms d. expectation of favorable reply
催开信用证的要点: 催开信用证的要点 开头:1)谈及有关货物、订单或合同; 正文:2)抱怨未收到信用证; 3)要求开立信用证; 结尾:4)提请对方注意此事; 5)希望早日收到信用证。 修改信用证的要点: 修改信用证的要点 开头:1)提及有关的信用证; 正文:2)指出不符点; 3)要求修改信用证; 结尾:4)希望早日修改。
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Terms of PaymentDraft Wordlist:Bill of exchange/draft 汇票（B/E）drawer 出票人drawee/payer 受票人/付款人Issue出票Presentment/Presentation提示Acceptance承兑Payment付款Endorsement背书Dishonor and recourse拒付和追索Procedure：1)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 documents under a credit to the issuing 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，或指按此方式提交的单据。
3)承兑(acceptance)。
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 Demand Draft or Draft at sight (即期汇票)Time Bill or Usance Bill or Draft after sight (远期汇票)2）According to drawerBanker’s Draft/Bill（银行汇票）Trade Draft/Bill（商业汇票）3）According to attaching shipping document or notDocumentary Bill（跟单汇票）: accompanied by shipping documents.Clean Bill（光票）: without4）According to different acceptor（承兑人）Trader’s Acceptance Bill（商业承兑汇票）: drawn on and accepted by a traderBanker’s Acceptance 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。
CheckProcedure：Def:支票的出票人预留银行签章是银行审核支票付款的依据。
银行也可以与出票人约定使用支付密码，作为银行审核支付支票金额的条件。
Types:⑴记名支票（CHEQUE PAYABLE TO ORDER），是在支票受款人一栏，写明受款人姓名，如“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。
⑵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。
⑶划线支票（CROSSED CHEQUE），是在支票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’l PaymentRemittance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。
Wordlist:remitting bank 汇出行the remitter 汇款方Mail Transfer, M/T 信汇payment order付款委托书Bills for Collection 托收票据Telegraphic Transfer, T/T 电汇Demand Draft, D/D 票汇Procedure：Types:1）Mail Transfer, 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 money; The most commonly used type of remittance）3）Demand Draft, D/D 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）Collection托收（Collection）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。
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CIF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 Collecting Bank代收行/进口地银行Clean Collection 光票托收Documentary Collection 跟单托收documents against payment (D/P)付款交单documents against acceptance (D/A)承兑交单Against: [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 documents 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）Types:1）Clean Collection 光票托收It means collection of financial documents not accompanied by commercial documents. 指不附带商业单据的金融单据的托收。
Mainly used for small amount transaction, advance payment（预付款）, installment payment（分期付款）, commission and costs of samples etc.2）Documentary Collection 跟单托收It means collection of financial documents accompanied by commercial documents;指附带商业单据的金融单据的托收；(a) Documents Against Payment, D/P付款交单The collecting bank may release the documents only against immediate payment. 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商业单据交给进口商。
又可分为即期和远期付款交单。
*Documents against Payment (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 shipping documents are to be delivered against payment only.D/P after sightThe Buyer s hall duly accept the documentary draft drawn by the Seller at××days’ sight upon first presentation and make payment on its maturity.(b) Documents Against Acceptance, D/A承兑交单The collecting bank may release the documents against the buyer’s acceptance of a draft (for instance, drawn payable 60~80 days after sight or due on a definite date). After acceptance, the buyer(importer) gains possession of the goods before the payment 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。