外贸函电unit-7-payment

Unit7TermsofPayment支付条款教学重点和难点•重点:•1.draft,endorse,settle,present,negotiation,document等单词和在函电中的用法;•2.与支付相关的专业术语;•3.如何通过谈判确定支付方式，表明支付条款；•4.与支付相关的函电的写作.•难点:•1.通过函电对支付方式进行谈判；•2.与信用证相关的函电的写作?Introduction•Ininternationaltrade,therearemanywaystomakepayment.•Themostgenerallyusedmethodistheletterofcredit,whichisareliableandsafemethodofpayment,facilitatingtradewithunknownbuyersandgivingprotectiontobothsellersandbuyers.Someterms:•Bill/note票据•Moneyorder汇票=billofexchange,draft,draught•Promissorynote本票•Check/cheque支票•Account(往来)帐户•Openaccount未结清的帐目,赊帐(卖)•Settlethewholeaccount结清全部帐户•Cashflowconstraint现金限制•Transfer转帐,过户•Paymentinadvance预付货款•Internationalremittance国际汇兑•Internationalcollection托收•D/P付款交单DocumentsagainstPayment•D/A承兑交单DocumentsagainstAcceptance•L/C信用证LetterofCredit•（Ir）revocableL/C（不）可撤销信用证•Usance/time/aftersightL/C远期信用证•L/Catsight即期信用证•ConfirmedL/C保兑信用证•DocumentaryL/C跟单信用证•CleanL/C光票信用证Wordsandphrasescommonlyusedinforeigntrade:•Draft•Writtenorderforpaymentofmoney–WewilldrawasightdraftonyouforasumofUS$5,000.–Onpresentation,pleasehonoroursightdraft.–Youarerequiredtoacceptthetimedraftwhenitispresentedtoyou.–Asourmaximumconcessiontothepayment,wewilladmityourpaymentofadraftat60days’sight.Endorse•1.Approve,supportaclaim,statement,etc.–Noonewillendorsesuchanabsurdstatement.•2.Writeone’snameonthebackofacheque/check/note,etc.–Negotiationandtransfercanbeeffectedafterthebillisendorsed.–Arestrictiveendorsement(n.)isonewhichlimitsornarrowsthenegotiabilityofthebill.present•1.Givingordelivering–Foratimebill,thedraweeisrequiredtoacceptthebillwhenthebillispresentedtohimandmadethepaymentatthematurityofthebill.•2.Theactofgivingordelivering–Forasightbill,paymentshouldbemadeatthesametimewhenthepresentationismade.Settle•1.Makeanagreementabout–Weprefertosettletheclaimbyamicablemeans(友好协商)insteadofresortingtoarbitration.–Thelawsuitwassettledoutofthecourt.•2.Pay–Pleasesettlethislongoutstandingaccountwithoutfurtherdelay.–Ourdebitnote(借项清单,收款条)isstillunsettled.Pleasesendremittancetocover.•3.Becomecalm–Weprefertowaituntilthechaoticmarket(混乱的市场)conditionsonyoursidehavesettled.Negotiation•1.Theprocessoftryingtoreachanagreementortodecidesomethingthroughdiscussion–Wearehopingtoenterintonegotiationswithourmaincompetitors.–Ithinkit’stimetositroundthenegotiatingtableanddiscussourdifferences.•2.Athirdpartybuysondiscountthedraftdrawnbytheseller–Ourtermsofpaymentarebyconfirmed,irrevocableletterofcreditinourfavor,availablebydraftatsight,reachingusonemonthaheadofshipment,remainingvalidfornegotiationinChinaforafurther21daysaftertheprescribedtimeofshipment.–Inthetransferofthebillofexchange,thenegotiatingbank(押汇银行)canbetakenasthebonafide（善意持有）ofthebillofexchange.–IfthedaftismarkedasbeingnotNegotiable(a.transferable),thenitbecomesanon-negotiableinstrument.•3.Tobeboughtbythenegotiatingbank–ThesellerneedstheL/Candotherdocumentsfornegotiation.Document•1.Billofdocument–Afullsetofshippingdocumentsincludeinvoice,billoflading,insurancepolicy,packinglist,certificateoforigin&inspectionandsoon.–D/Adeviatesfromourusualtermsofpayment.–Pleasebesuretoattachafullsetofshippingdocumentstoyourdraft.•2.a.Accompaniedbydocuments–Thebuyershalldulyacceptthedocumentarydraftdrawnbythesellerat30days’draft.–Documentarycollectionhastherelevantshippingdocumentsattachedtothedraft,whileincleancollectiononlydraftisused.–IftheL/Crequiresthesellertodrawdocumentarydraftuponthebuyer,thenitisadocumentaryL/C.Someusefulexpressions•Ourtermsofpaymentarebyconfirmed,irrevocableletterofcreditinourfavor.•Inviewofthesmallamountofthistransaction,wearepreparedtoacceptpaymentbyD/Patsightforthevalueofthegoodsshipped.•Incompliancewithyourrequest,wemakeanexceptiontoourrulesandacceptdeliveryagainstD/Patsight,butthisshouldnotberegardedasaprecedent（先例).•Weregrethavingtoinformyouthatalthoughitisourdesiretopavethewayforsmoothdevelopmentofbusinessbetweenus,wecannotacceptpaymentbyD/A.•Itwouldbeadvisableforyoutoestablishthecoveringletterofcreditasearlyaspossiblesoastoenableustoarrangeshipmentinduetime.Lesson33AccountsSettlement•Checkforsb.•US$xxx•Settlementofyouraccount•Deduct5%asdiscount•2.5%onpromptcash•2%onmonthlyaccount•Cashdiscount•Acheckforthebalance•ReceiptforthefullamountxxxLesson34TermsofPayment•Inagreementwithyourproposals•Thetermsandconditions•Draftatsight•D/Patsight•Benetwithnodiscount•Actupon•Inthecourseofnextweek•Forthcoming•OurmutualadvantageMeansofpayment1.Openaccountandcollection•Putthisonmyaccountwithyou,andI’llsettlethewholeaccountbytheendofOctober.•IsuggestthatthetermsofpaymentbeD/P,thatis,documentsagainstpayment.•DosethatmeansthatI’llhavetheshippingdocumentsassoonasImakethepayment?•Duetocashflowconstraints,it’llbeverydifficultforustofindsuchalargesumofcashbyMarch15.SocouldyoupleaseacceptthetermsofpaymentsbyD/Pat60day’ssight?•Asaspecialfavortoyou,we’llacceptD/P.ButI’mafraidat30day’ssightisthebestIcanaccept.•I’mnotsureifyourcameraswillsellasquicklyastheJapaneseones.SowecanmakethepaymentonlywithD/A.•Allright.Butifthecamerassellwellandyouorderfromusagain,youwillhavetopaywithletterofcredit.2.Pa