新职业英语经贸英语Unit5

中国建设银行
Unit 5
Payment
Warming-up
Task 2 Banks play a very important rBaidu Nhomakorabeale in paying in international
trade. The following are the main business banks deal in. Which business are you familiar with? Which business do you think is related to payment in international trade?
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Unit 5
Payment
Reading A
Payment in International Trade
There are many ways of payment in international trade. The three modes of payment usually used are Remittance, Collection and Letter of Credit. Remittance includes Telegraphic Transfer (T/T), Mail Transfer (M/T), Demand Draft (D/D). Among the three ways, T/T is fast and safe, but at higher cost; M/T is slower, but at lower cost; D/D is suitable for cash on delivery trade. Sometimes, the importer requests payment to be made by collection through banks under the terms of Documents Against Payment (D/P) or Documents Against Acceptance (D/A). In practice, payment by collection should be accepted with much care. It is usually used when the financial status of the importer is sound or when the exporter wishes to improve the sale of his/her goods. Otherwise, the more preferable payment is the Letter of Credit (L/C).
Deposit Credit Card √ Collection Loan Investment Remittance Withdrawal √
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Unit 5
Payment
Reading A
Background Information Task 1
Text
Task 2 Task 3 Task 4
2. Which method of payment is the safest for either the seller or the buyer in your opinion?
For the seller, the safest method of payment is cash in advance, or telegraphic transfer; for the buyer, the safest method of payment is cash on delivery.
口商的财务状况非常好或者出口商期望增加销售额的时候才会采 用，否则，更有利的付款方式是采用信用证。
Unit 5
Payment
Reading A
������ L/C is a guarantee given by the importer’s bank that it will pay for the goods exported, provided that the exporter can provide a given set of documents in accordance with clauses in the L/C. L/C provides protection for both importer and exporter. Most L/Cs are irrevocable once the importer has had them sent, which means it cannot be changed unless both the importer and the exporter agree. The most popular type of L/C is Confirmed Irrevocable Letter of Credit. Usually a L/C must be established and reach the exporter one month prior to the time of shipment, so as to give the exporter enough time to prepare the goods for shipment. Though there is no uniform format for a L/C, the following main items shall be stated in a L/C: statements about the parties concerned, required documents to be sent with the draft and other necessary terms. On receiving the L/C, the exporter should make a thorough examination to see if all the stipulations in the L/C are in exact accordance with the terms of the contract. If not, the exporter should require the importer to make immediate amendments.
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Background Information Risk is the primary concern in payment in international trade. Both the exporter and the importer face risks because of the characteristics of international trade. So business people adopt various terms of payment according to how much risk is involved. Each party seeks a term that is favorable to him or her but that the other party will also accept. To avoid possible financial losses, both the seller and the buyer must understand the various methods; otherwise, he or she may accept a method of payment that is riskier or more expensive. And as a result, cost may offset the profit.
新职业英语
Unit 5
Payment
1
Warming-up Reading A Listening Speaking
5
Reading B Writing Project Vocabulary and Structure
2
6
7 8
3 4
Unit 5
Payment
Warming-up
Task 1 The following logos represent four major banks whose
华夏银行 招商银行 交通银行
Bank of Communications Citibank
花旗银行
The Hong Kong and Shanghai Banking Corporation
汇丰银行
Bank of Beijing
北京银行 中国工商银行
Industrial and Commercial Bank of China China Construction Bank
services are available in China. Please find out from the following table the full name for each, and talk about the banks.
Huaxia Bank China Merchants Bank
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Unit 5
Payment
Reading A
Task 1 Before reading the passage, see how much you know about
payment in international trade by answering the following questions.
国际贸易中的支付方式有很多种。三种经常使用的方式包括
汇付、托收和信用证。
汇付包括电汇、信汇和票汇。其中，电汇快捷安全，但是费 用较高；信汇速度略慢，但费用也略低；票汇适用于货到付款的 贸易方式。 有时，进口商会根据付款交单或承兑交单的条款要求银行采
取托收的方式。实际上，采用托收方式时要非常小心，通常在进
1. What are the risks that dealers may be faced with in international payment?
Cheat—the seller makes the shipment but is never able to receive the payment, or the buyer makes the payment with the goods never received; financial losses—the buyer receives the shipment or the seller receives the payment later than the date stated in the contract; dispute—the buyer receives the shipment but claims the goods are inferior or not in compliance with the contract, for which the seller holds different ideas.
信用证是买方银行所作的为出口的商品付款的承诺，前提是 出口商能够提供与信用证中条款规定相一致的单据。信用证对进 出口双方都提供了保障。一旦应进口商的要求发出，大多数信用 证就是不可撤销的，这意味着除非进出口双方同意，否则该信用 证是不可更改的。最常用的信用证是承兑的、不可撤销的信用证。 通常，信用证必须在装运前一个月开立并到达出口商，以便 出口商有足够的时间备货装运。虽然信用证没有统一的格式，但 是以下主要项目必须包括其中：有关各方的描述、要求与汇票同 时发出的单据以及其他必要条款。 收到信用证后，出口商应立即对信用证的条款仔细核对，确 保其与合同中规定的条款完全一致。如有不同，出口商应该要求 进口商马上进行修改。