Payment付款方式.ppt

ContentPaymentInstrumentsPaymentMethodsPaymentTermsPaymentInstrumentsCashFinancialDocumentsPromissoryNoteCheck/ChequeBillofExchange票据是以支付一定金额为目的，并可以自由流通转让的特种证券。RefertoBillsofExchangeAct(1882)Features:1.Negotiability（流通性）2.Non-causativeNature（无因性）3.RequisiteinForm（要式性）I.PromissoryNote1.Definition2.RequiredContents3.TypesII.Check(Cheque)1.Definition2.Requiredcontents3.TypesIII.BillofExchange(Draft/Bill)1.Definition2.Requiredcontents3.TypesWhatisaBillofExchange/draft?Anunconditionalorderinwritingsignedbyoneparty(drawer)requestingasecondparty(drawee/payer)topayastatedsumofmoneytoathirdparty(payee),ondemandoratafixedordeterminablefuturetime.Whataretherequiredcontentsofadraft?1.“BillofExchange”or“Draft”2.Unconditionalorderofpayment3.Fixedamount4.Nameofdrawee/payer5.Nameofpayee6.Dateofissuing7.Drawer’snameandsignaturePlaceofIssuingDateandplaceofpaymentBILLOFEXCHANGEDrawnUnderBankofChina,LondonIrrevocableL/CNo.2003056DatedJanuary10,2005Payblewithinterest5.2%PerannumNo.20042EXCHANGEforHKD236,000.00Tianjin,ChinaFebruary20,2005at30daysafterSightofthisFIRSTofExchange(SecondofExchangebeingunpaid)PaytotheorderofBankofChina,TianjinBranchthesumofHongkongDollarsTWOHUNDREDANDTHIRTY-SIXTHOUSANDONLYTO:BANKOFCHINA,HONGKONGChinaMachinery&EquipmentImport&ExportCorp.,ShanghaiBranch(SIGNATURE)DrawerBanker’sDraftCommercialDraftTypesD/DCollectionL/CTypesPaymenttimeSightDraft(DemandDraft)TimeDraft(UsanceDraft)AtxxdaysaftersightAtxxdaysafterdateofdraftAtxxdaysafterdateofB/LFixeddate:OnNov.30TypesAcceptorCommercialAcceptanceDraftBanker’sAcceptanceDraftCommercialcreditBankcreditTypesCommercialDocumentsCleanDraftDocumentaryDraftToDraw1Presentation2Endorsement5Payment4Acceptance3Discount6Dishonor7Recourse8UseofDraftsSightTimeorAddressee:1.Arestrictivepayee2.toorder3.tobearerPay…Co.nottransferablePay…Co.onlyPay…Co.ororderPaytotheorderof…Co.PaybearerPayholderEndorsement:1.Restrictive2.Blank3.SpecialPayto…Co.onlyPay…Co.nottransferablePay…bankororderDiscount持现有远期汇票的人若想在付款人付款前取得票款，可以经过背书将汇票转让给贴现的银行或金融公司（即受让人），由他们按票面金额扣除一定贴现利息后，将余额付给持票人（即出让人）的行为。一般贴现的目的是加速资金周转。Differencesbetweendraftandpromissorynote,check性质当事人付款时间汇票支票本票无条件的书面支付命令无条件的书面支付承诺出票人/受款人出票人/付款人/受款人无条件的书面支付命令只有即期没有远期分远期/即期远期不承兑分远期/即期远期需承兑出票人/付款人/受款人PaymentMethodsRemittanceCollectionLetterofCreditFavorableexchange(remittance):thebuyermakesthepaymentbybanktransferofhisownaccord.RemittanceRemittancereferstotransferoffundsfromoneparty(payer)toanother(payee)amongdifferentcountriesthroughbanks.FourPartiesRemitterBeneficiaryRemittingBankPayingBankTypesofRemittance1.信汇MailTransfer(M/T)费用低廉速度较慢2.电汇TelegraphicTransfer(T/T)收款迅速费用较高3.票汇DemandDraft(D/D)付款灵活便捷RemitterPayingBankBeneficiaryRemittingBankContractTheProcessofRemittance–M/TorT/TM/TorT/TRemitterPayingBankBeneficiaryRemittingBankContractTheProcessofRemittance–D/DNotifyPayForwardBank’sDraftPresentApplyDrawFeaturesCommercialCreditFavorableExchangeApplicationinInternationalTradePaymentinadvance预付货款Cashwithorder随订单付现Paymentafterarrivalofgoods货到付款Openaccount(OA)赊账交易Consignment寄售卖方买方Adverseexchange(reverseremittance,todraw):theexportertakestheinitiativetogatherthepaymentfromthebuyer.CollectionCollectionAbankreceivesanexporter’scollectionorderanddocuments,presentsthedocumentstotheimporterandcollectsfundsforthesellerCleanCollectionDocumentaryCollectionDocumentaryCollectionisameansofensuringthatgoods(titledocuments)arehandedovertothebuyer(byabank)onlywhentheamountshownonabillofexchangeispaidorwhenthecustomeracceptsthebillasacontracttopaybyaspecificdate.FeaturesCommercialCredit(CommercialDraft)AdverseExchangeURC522(UniformRulesforCollection)FourPartiesPrincipalDraweeRemittingBankCollectionBankSeller/ExporterBuyer/ImporterTypesofDocumentaryCollectionDocumentsAgainstPayment(D/P)–D/Patsight–D/PatXXdaysaftersightDocumentsAgainstAcceptance(D/A)SampleClauseofD/PD/PSight–“UponfirstpresentationtheBuyersshallpayagainstdocumentarydraftdrawnbytheSellersatsight.Theshippingdocumentsaretobedeliveredagainstpaymentonly.”D/PafterSight–“TheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersat××dayssightuponfirstpresentationandmakepaymentonitsmaturity.Theshippingdocumentsaretobedeliveredagainstpaymentonly.”D/P(DocumentsagainstPayment)Principal(Exporter)Drawee(Importer)RemittingBankCollectingBank1ContractShippingLine23456789101112SampleClauseofD/A1.TheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersat45dayssightuponfirstpresentationandmakepaymentonitsmaturity.2.TheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersuponpresentationandmakepaymentat30daysafterdateofB/L(draft).Theshippingdocumentsaretobedeliveredagainstacceptance.3.Paymentbydraftpayable120daysaftercargoarrival,documentsagainstacceptance.Principal(Exporter)Drawee(Importer)RemittingBankCollectingBank1ContractShippingLine234567810111291314D/A(DocumentsagainstAcceptance)CaseStudy我某外贸公司与一外商成交一批货物，双方洽谈时，付款方式为D/Pat30daysaftersight，后外商要求改为D/Aat30daysaftersight，请问，我方能否答应？为什么？ComparisonofD/PandD/A支付方式交单条件付款时间收汇风险D/P付款交单即期或远期部分损失D/A承兑交单远期货款两空Similarities:Collection,CommercialCredit,Adv