付款方式

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票据当事人：
Drawer: the person who draws a bill of exchange upon the drawee for the payment of a certain amount of money. Drawee: the person upon whom a bill of exchange is drawn. Payee: the person to whose order the drawee is to make payment or to whom the money is to be paid.
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保兑行（Confirming Bank）,是指出口国或第三 地的某一银行应开证行的请求，在信用证上加注条 款，表明该行与开证行一样，对受益人所提示的符 合信用证规定的汇票、单据负有付款、承兑的责 任。 偿付行是开证行在信用证中指定的向付款行、保 兑行或议付行进行偿付款的银行。它可以是开证行 自己的一家分支行，也要以是第三国的另一家银行 （一般为帐户行）。偿付行受开证行的委托代开证 行付款，不负责审单，只凭开证行的授权 （Authorization）和议付或付款行的“索汇指示” （Reimbursement Claim）或“明白证明书” （Certificate of Compliance）而付款 。
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电汇：cable/telex/SWIFT
SWIFT环球银行金融电讯协会（Society for
Worldwide Interbank Financial Telecommunication）
是一个著名的国际银行合作组织，它为遍布全 球的会员机构（主要是银行）提供金融通讯服 务，是银行办理国际结算业务的最重要的手段 之一。
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1.According to the drawer: Banker’s Bill & Commercial Bill 2.According to whether or not the shipping documents are attached: Clean Bill & Documentary Bill

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汇款的类型
1、信汇(Mail Transfer， 简称M/T) 2、电汇(Telegraphic Transfer，简称T/T) 3、票汇(Demand Draft，简称D/D) 特点:是一种最简便的方式，只是利用国际银 行间相互划拨款项的便利，并不涉及银行的 信用,属于顺汇法。
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注：汇票分为正本汇票( First Exchange)和 副本汇票 (Second Exchange)但一定要标明 付一不付二（Second／First UnPaid）或付 二不付一（Firs/Second UnPaid）。
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例：远期汇票
NO.663/87 Exchange for￡.485 Beijing, China, 8thMarch, 1987 At 120 days sight of this FIRST of exchange (the SECOND of the same tenor and date being unpaid) pay to the order of China National Carpet Export Corporation the sum of Pound sterling four hundred and eighty-five only To West Coast Import., Ltd. 44 Dock Street, Liverpool, England Carpet
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信用证的当事人

基本当事人三个： 开证申请人（Applicant） 开证行（Issuing Bank） 受益人（Beneficiary） 其他当事人主要有： 通知行（Advising Bank） 议付行（Negotiating Bank） 付款行（Paying Bank） 偿付行（Reimbursing Bank） 保兑行（Confirming Bank）
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本票 promissory note
A promissory note is an unconditional promise in writing or made by one person to another signed by the make engaging to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person or to bearer.
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4.According to acceptor
Bank acceptance Trade acceptance
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汇票的票据行为
出票（Issue） 提示（Presentation）。 承兑（Acceptance）。 背书（Endorsement）。 拒付和追索（Dishonour＆Recourse）
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Negotiable instruments
Function: as a means of payment, as a credit instrument, as a negotiable instrument 支票 cheque 本票 promissory note 汇票 bill of exchange (draft)
“The Bill of Lading The Invoice The Insurance Policy The Certificate of Commodity Inspection and Testing Bureau”
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3.According to the tenor: Sight Bill & Time Bill or Usance Bill
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信用证方式的一般收付程序



(1)开证申请人根据合同填写开证申请书并交纳押金或提 供其他保证，请开证行开证。 (2)开证行根据申请书内容，向受益人开出信用证并寄交 出口人所在地通知行。 (3)通知行核对印鉴无误后，将信用证交受益人。 (4)受益人审核信用证内容与合同规定相符后，按信用证 规定装运货物、备妥单据并开出汇票，在信用证有效期内， 送议付行议付。 (5)议付行按信用证条款审核单据无误后，把贷款垫付给 受益人。 (6)议付行将汇票和货运单据寄开证行或其特定的付款行 索偿。 (7)开证行核对单据无误后，付款给议付行。 (8)开证行通知开证人付款赎单。
China National Export Corporation Manager (signed)
(Inv. NO.663/87) 2013-7-12
经贸英语合同
பைடு நூலகம்13
其他表述方式：
见票即付： At sight pay to the order of AB On demand pay AB only; On presentation pay bearer.
汇票上付款日期有四种记载方式：见票即付 （at sight）；见票后若干天付款（at days after sight）;出票后若干天付款（at· days after date）;定日付款（at a fixed day）。
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例：即期汇票
No. G 103/86 Guangzhou, China, 25 April 1986 EXCHANGE FOR US $ 1850.00 At Sight of this (FIRST of) exchange (the SECOND of the same tenor and date being unpaid) pay to the order of bank of China, Guangzhou the sum of US Dollars One Thousand Eight Hundred and Fifty Only. Drawn under Bank A, London L/C NO 16358 TO: Bank A, London Guangzhou Crafts Corp. 经贸英语合同 (signed)
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Acceptor :the drawee who agrees upon signing the form to pay a bill when due. Endorser: When a payee or a holder signs his name on the back of an instrument for the purpose of transferring it to another person, he is called an endorser. Endorsee: the holder of an instrument which has been transferred by an endorser. If and when the endorsee endorses the instrument again to any other person ,then he becomes a second or a third endorser as the case may be.
Mode of Payment
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Mode of Payment
“立即付款”at-once-payment/prompt payment “汇付”remittance “托收”collection “分期付款”installment payment/progressive payment “延期付款”deferred payment “信用证”letter of credit
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Remittance(汇款)
Remittance means a sum of money forwarded from one person or one entity to another, either by cash or by negotiable instrument, usually in payment of an invoice for goods or services purchased.
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在未来某一时间付款
出票后30天付款给……的指定人 At 30 days after date pay to the order of …… 见票后30天付款给……的指定人 At 90 days after sight pay to the order of …… 2000年3月8日付款给…… On March 8,2000,payment to ____
Commercial paper Banker’s promissory note
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汇票 Bill of Exchange
An unconditional written order calling on the party to whom it is addressed to pay on demand or at a future date a sum of money to the order of a named party or to a bearer.