经贸英语

的与要求〗

通过本章的学习，使学生了解货款结算所涉及的支付工具、付款时间、地点及支付方式等问题，为实际工作中磋商交易打好基础。通过学习，学生必须掌握三种支付工具：汇票、本票、支票,三种支付方式：汇付、托收、信用证，并掌握各种支付方式的结合使用。

〖考核要点〗

汇票、本票、支票

汇付、托收

信用证的性质、特点与作用

信用证的分类

〖教学内容〗

案例引入

我某外贸企业与某国A商达成一项出口合同，付款条件为付款交单见票后45天付款。当汇票及所附单据通过托收行寄抵进口地代收行后，A商及时在汇票上履行了承兑手续。货抵目的港时，由于用货心切，A商出具信托收据向代收行借得单据，先行提货转售。汇票到期时，A商因经营不善，失去偿付能力。代收行以汇票付款人拒付为由通知托收行，并建议由我外贸企业直接向A商索取货款。对此，你认为我外贸企业应如何处理？

Unit1 Instrument of Payment

支付工具

一、Bill of exchange 汇票

㈠The definition and contents of bill of exchange 汇票的定义和内容

A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand, or at a fixed or determinable further time, a sum certain in money to, or to the order of, a specified person, or to any bearer. It’s contents are as follows:

1.“Bill of exchange”

1. An unconditional order in writing

2. A sum certain in money

3. The time of payment

4. The place of payment

5. Drawee

6. Payee

7. The date to issue the bill

8. The place to issue the bill

9. The signature of drawer

汇票是一个人向另一个人签发的，要求见票时或在将来的固定时间或可以确定的时间，对某人或其指定的人或持票人支付一定金额的无条件的支付命令。包括以下内容

1. 汇票上写明“汇票”字样

用中文表示时印上“汇票”戳记；用英文表示时标明“Bill of

E xchange ”；在国际贸易中，一般以英文表示。一般可以看到“Exchange for...”的字样。

2. 无条件的支付命令

用英文的祈使句来表示，常常可以看到“Pay to the order of…”的表示方法。

3. 有大写和小写的货币名称和一定金额

4.付款期限

5.付款地点

6.受票人

7.受款人

8.出票日期

9.出票地点

10有出票人的名称和签字盖章

㈡Parties to a bill of exchange 汇票的当事人

1.The drawer: 出票人 The person who draws the bill of exchange and he is usually the exporter or his banker in import or export trade.

2.The drawee: 付款人 The person who is to pay the money and he is usually the importer or the appointed banker under a letter of credit in import and export trade.

3. The payee: 受款人 The person who is to receive the money, he may be, and often is, the same person as the drawer and he is usually the exporter himself or his appointed banker in business or he may be the bearer of the bill.

汇票的当事人

汇票的基本当事人有出票人、付款人和收款人。

1）出票人。即签发汇票的人，一般是出口方或其制定的银行。

2）付款人。即接受支付命令付款的人，一般是进口方或指定的银行。

3）收款人，即受领汇票所规定的金额的人

㈢ Classification of the bill of exchange 汇票的分类

1.According to the drawer, it is divided into 2 kinds: banker’s draft and commercial draft.(银行汇票和商业汇票)

2.According to whether accompanied with shipping documents, it can be classified into 2 kinds: clean bill and documentary bill.(光票和跟单汇票)

3.According to the time of payment, it is divided into 2 kinds: sight bill and time bill or usance bill. (即期汇票和远期汇票)

㈣General procedures in handling a bill of exchange 汇票的使用程序

1.Drawing(issuing): 出票 It means the act of the drawer in filling up the bill of exchange with particulars as to the name of the drawee, the amount payable, the date of payment and the name of the payee, and after signature, the drawer may present the bill to the drawee through the medium of the payee or a banker.

With regard to the payee, the drawer may use one of the following methods: l Restrictive payee: it can not be negotiated or transferred to another party by endorsement and only the payee named can collect the amount. l To order: it can be negotiated or transferred to another party after