新职业英语经贸英语Unit5

新职业英语Warming-upReadingAListeningSpeaking4123ReadingB5Writing6Project7VocabularyandStructure8Unit5PaymentWarming-upTask1ThefollowinglogosrepresentfourmajorbankswhoseservicesareavailableinChina.Pleasefindoutfromthefollowingtablethefullnameforeach,andtalkaboutthebanks.Unit5PaymentHuaxiaBankChinaMerchantsBankBankofCommunicationsCitibankTheHongKongandShanghaiBankingCorporationBankofBeijingIndustrialandCommercialBankofChinaChinaConstructionBank华夏银行招商银行交通银行花旗银行汇丰银行北京银行中国工商银行中国建设银行Warming-upHomeTask2Banksplayaveryimportantroleinpayingininternationaltrade.Thefollowingarethemainbusinessbanksdealin.Whichbusinessareyoufamiliarwith?Whichbusinessdoyouthinkisrelatedtopaymentininternationaltrade?Unit5PaymentDepositCollectionInvestmentWithdrawalLoanRemittanceCreditCard√√HomeReadingATextTask1Task2Task3Task4BackgroundInformationUnit5PaymentBackgroundInformationRiskistheprimaryconcerninpaymentininternationaltrade.Boththeexporterandtheimporterfacerisksbecauseofthecharacteristicsofinternationaltrade.Sobusinesspeopleadoptvarioustermsofpaymentaccordingtohowmuchriskisinvolved.Eachpartyseeksatermthatisfavorabletohimorherbutthattheotherpartywillalsoaccept.Toavoidpossiblefinanciallosses,boththesellerandthebuyermustunderstandthevariousmethods;otherwise,heorshemayacceptamethodofpaymentthatisriskierormoreexpensive.Andasaresult,costmayoffsettheprofit.BackReadingATask1Beforereadingthepassage,seehowmuchyouknowaboutpaymentininternationaltradebyansweringthefollowingquestions.BackUnit5Payment1.Whataretherisksthatdealersmaybefacedwithininternationalpayment?2.Whichmethodofpaymentisthesafestforeitherthesellerorthebuyerinyouropinion?Cheat—thesellermakestheshipmentbutisneverabletoreceivethepayment,orthebuyermakesthepaymentwiththegoodsneverreceived;financiallosses—thebuyerreceivestheshipmentorthesellerreceivesthepaymentlaterthanthedatestatedinthecontract;dispute—thebuyerreceivestheshipmentbutclaimsthegoodsareinferiorornotincompliancewiththecontract,forwhichthesellerholdsdifferentideas.Fortheseller,thesafestmethodofpaymentiscashinadvance,ortelegraphictransfer;forthebuyer,thesafestmethodofpaymentiscashondelivery.PaymentinInternationalTradeTherearemanywaysofpaymentininternationaltrade.ThethreemodesofpaymentusuallyusedareRemittance,CollectionandLetterofCredit.RemittanceincludesTelegraphicTransfer(T/T),MailTransfer(M/T),DemandDraft(D/D).Amongthethreeways,T/Tisfastandsafe,butathighercost;M/Tisslower,butatlowercost;D/Dissuitableforcashondeliverytrade.Sometimes,theimporterrequestspaymenttobemadebycollectionthroughbanksunderthetermsofDocumentsAgainstPayment(D/P)orDocumentsAgainstAcceptance(D/A).Inpractice,paymentbycollectionshouldbeacceptedwithmuchcare.Itisusuallyusedwhenthefinancialstatusoftheimporterissoundorwhentheexporterwishestoimprovethesaleofhis/hergoods.Otherwise,themorepreferablepaymentistheLetterofCredit(L/C).ReadingAUnit5Payment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。ReadingA􂿣L/Cisaguaranteegivenbytheimporter’sbankthatitwillpayforthegoodsexported,providedthattheexportercanprovideagivensetofdocumentsinaccordancewithclausesintheL/C.L/Cprovidesprotectionforbothimporterandexporter.MostL/Csareirrevocableoncetheimporterhashadthemsent,whichmeansitcannotbechangedunlessboththeimporterandtheexporteragree.ThemostpopulartypeofL/CisConfirmedIrrevocableLetterofCredit.UsuallyaL/Cmustbeestablishedandreachtheexporteronemonthpriortothetimeofshipment,soastogivetheexporterenoughtimetopreparethegoodsforshipment.ThoughthereisnouniformformatforaL/C,thefollowingmainitemsshallbestatedinaL/C:statementsaboutthepartiesconcerned,requireddocumentstobesentwiththedraftandothernecessaryterms.OnreceivingtheL/C,theexportershouldmakeathoroughexaminationtoseeifallthestipulationsintheL/Careinexactaccordancewiththetermsofthecontract.Ifnot,theexportershouldrequiretheimportertomakeimmediateamendments.Unit5Payment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。BackReadingATask2Readthepassage.Choosefromthefollowingwordsorphrasesandfillintheappropriateboxes.Unit5Paymentmostlyadoptedmodesofpayment:waysofcollection:waysofremittance:partiesinvolvedinpaymentininternationaltrade:letterofcredit,confirmedirrevocableletterofcredit;remittance;collectiondocumentsagainstpayment;documentsagainstacceptancetelegraphictransfer;demanddraftexporter’sbank;importer’sbank;exporter;importerBackReadingATask3Readthepassageagainanddecidewhetherthefollowingstatementsaretrue(T)orfalse(F).□1.Collectionshouldbecarefullyadoptediftheimporterisnotveryclearabouttheexporter’sfinancialstatus.□2.Collectionislessfavorabletothebuyerthantotheseller.□3.LetterofCreditisissuedbythebuyertothesellertoensurethebuyerreceivesthep