ch09 Terms of Payment

1、Unit 9 Terms of Payment Lecturer: YangweiUnit 9 Terms of PaymentPart Part Payment Payment1 1 支付方式的種類支付方式的種類1.1 Remittance1.1 Remittance匯付匯付1.2 Collection 1.2 Collection 托收托收 D/PD/P - D/P at sight - D/P at sight 即期付款交單即期付款交單 - D/P after sight - D/P after sight 遠(yuǎn)期付款交單遠(yuǎn)期付款交單 D/AD/A - D/A after sight -

2、D/A after sight 遠(yuǎn)期承兌交單遠(yuǎn)期承兌交單2SHOU YangweiUnit 9 Terms of Payment3SHOU YangweiUnit 9 Terms of Payment4SHOU YangweiUnit 9 Terms of Payment1.3 L/C1.3 L/C 可能涉及到的有關(guān)各方可能涉及到的有關(guān)各方: P152: P152 種類種類: P152: P152 流程流程: P152: P1521.4 Factoring (del 1.4 Factoring (del crederecredere agent) agent)- - 出口商和收債公司安排收取遠(yuǎn)

3、期貨款的方法。出出口商和收債公司安排收取遠(yuǎn)期貨款的方法。出口商將收款權(quán)轉(zhuǎn)讓給收債公司，據(jù)此，出口商即口商將收款權(quán)轉(zhuǎn)讓給收債公司，據(jù)此，出口商即獲貨款，但向后者支付貼現(xiàn)費以及手續(xù)費，而收獲貨款，但向后者支付貼現(xiàn)費以及手續(xù)費，而收債公司則對收款和呆帳負(fù)全責(zé)。債公司則對收款和呆帳負(fù)全責(zé)。5SHOU YangweiUnit 9 Terms of Payment2 L/C2 L/C2.1 2.1 進(jìn)口商申請開立不可撤銷跟單信用證申請書進(jìn)口商申請開立不可撤銷跟單信用證申請書- - 例函兩篇例函兩篇2.2 2.2 出口商告知進(jìn)口商所要求的支付方式出口商告知進(jìn)口商所要求的支付方式- P154,P164,P16

4、5- P154,P164,P1652.3 2.3 進(jìn)口商通知出口商信用證已開立進(jìn)口商通知出口商信用證已開立- P153- P1532.4 2.4 銀行通知出口商信用證已開立銀行通知出口商信用證已開立- P157,P159- P157,P1596SHOU YangweiUnit 9 Terms of Payment2.5 2.5 信用證的式樣信用證的式樣- P156 (- P156 (回答幾個問題回答幾個問題) ) - - 信用證是否可以撤銷信用證是否可以撤銷 - - 是即期還是遠(yuǎn)期是即期還是遠(yuǎn)期 - - 是否允許轉(zhuǎn)船或分裝是否允許轉(zhuǎn)船或分裝 - - 對提單有何要求對提單有何要求 - - 議付時

5、需要提供哪些單據(jù)議付時需要提供哪些單據(jù) - - 以何作為解決信用證可能產(chǎn)生爭議的依據(jù)以何作為解決信用證可能產(chǎn)生爭議的依據(jù)- P158- P1587SHOU YangweiUnit 9 Terms of Payment課后習(xí)題課后習(xí)題 ( (支付方式支付方式) ). Translate the following sentences into English: P163. Translate the following sentences into English: P1631. 1. 請注意，付款是以保兌的、不可撤銷的、允許分裝和轉(zhuǎn)船、請注意，付款是以保兌的、不可撤銷的、允許分裝和轉(zhuǎn)船、見票即

6、付的信用證支付。見票即付的信用證支付。Please be informed that payment is to be made by confirmed, irrevocable and sight Please be informed that payment is to be made by confirmed, irrevocable and sight L/C, allowing partial shipments and transshipment.L/C, allowing partial shipments and transshipment.8SHOU YangweiUnit

7、 9 Terms of Payment2. 2.我們的付款方式，一般是以保兌的、不可撤銷我們的付款方式，一般是以保兌的、不可撤銷的、以我公司為受益人的、按發(fā)票金額見票即的、以我公司為受益人的、按發(fā)票金額見票即付的信用證支付。該信用證應(yīng)通過我們認(rèn)可的付的信用證支付。該信用證應(yīng)通過我們認(rèn)可的銀行開出。銀行開出。Our usual terms of payment are by confirmed and irrevocable L/C in Our usual terms of payment are by confirmed and irrevocable L/C in our favor, a

8、vailable by sight draft (at sight) for full invoice value to be our favor, available by sight draft (at sight) for full invoice value to be issued/established/opened by a bank we recognize.issued/established/opened by a bank we recognize.9SHOU YangweiUnit 9 Terms of Payment3. 3.我們通常的做法是憑即期付款交單而不是信用我

9、們通常的做法是憑即期付款交單而不是信用證。因此，我們希望你對這筆交易和今后交易證。因此，我們希望你對這筆交易和今后交易也接受付款交單方式。也接受付款交單方式。Our usual terms of payment are by D/P at sight rather than by L/C. Our usual terms of payment are by D/P at sight rather than by L/C. Therefore, we advise you to accept this kind of payment for the present Therefore, we a

10、dvise you to accept this kind of payment for the present and subsequent transactions.and subsequent transactions.10SHOU YangweiUnit 9 Terms of Payment4. 4.對你方對你方11561156號定單，我們可以接受你們所提的用號定單，我們可以接受你們所提的用遠(yuǎn)期匯票支付的建議。貨物裝出后，我們將向遠(yuǎn)期匯票支付的建議。貨物裝出后，我們將向你方開出你方開出60 60天期的匯票，請到期即付。天期的匯票，請到期即付。As regards your order

11、No.1156, we will accept your proposal for terms As regards your order No.1156, we will accept your proposal for terms of payment by draft after sight. After the goods are shipped, we will of payment by draft after sight. After the goods are shipped, we will draw a 60d/s draft/bill on you and please

12、honor the draft when it is draw a 60d/s draft/bill on you and please honor the draft when it is due/falls due.due/falls due.11SHOU YangweiUnit 9 Terms of Payment5. 5.為了你方在你市場推銷我方產(chǎn)品鋪平道路，我為了你方在你市場推銷我方產(chǎn)品鋪平道路，我方將接受即期付款交單方式付款，以示特別照方將接受即期付款交單方式付款，以示特別照顧。顧。To pave the way for your promoting our products in

13、 your market, we To pave the way for your promoting our products in your market, we will accept your terms of payment/payment by D/P at sight as a special will accept your terms of payment/payment by D/P at sight as a special favor.favor.12SHOU YangweiUnit 9 Terms of Payment6. 6.你方以付款交單方式付款的要求，我方已予以

14、你方以付款交單方式付款的要求，我方已予以考慮。鑒于這筆交易金額甚微，我們準(zhǔn)備以此考慮。鑒于這筆交易金額甚微，我們準(zhǔn)備以此方式辦理裝運。方式辦理裝運。We are giving your request for payment by D/P our careful We are giving your request for payment by D/P our careful consideration. By virtue of/In view of the small amount of the consideration. By virtue of/In view of the smal

15、l amount of the transaction, we will effect shipment on a D/P basis.transaction, we will effect shipment on a D/P basis.13SHOU YangweiUnit 9 Terms of PaymentPart Part Urging Establishment of L/C Urging Establishment of L/C1 1 背景知識背景知識 信用證開出并到達(dá)出口商的時間，一般應(yīng)為所規(guī)定的裝信用證開出并到達(dá)出口商的時間，一般應(yīng)為所規(guī)定的裝運期前一個月運期前一個月 此類催開

16、信用證信函的寫法：一般都會援引合同的規(guī)定此類催開信用證信函的寫法：一般都會援引合同的規(guī)定 - - 第一封和第二封催開信函的不同：第一封和第二封催開信函的不同：P166P166 - - 寫作步驟寫作步驟: - good news: goods are ready - good news: goods are ready - reasons for this letter - reasons for this letter - demand - demand - assurance of prompt shipment - assurance of prompt shipment14SHOU Ya

17、ngweiUnit 9 Terms of Payment2 2 例函例函- P167 (- P167 (回復(fù)函回復(fù)函P168)P168)- P169- P169- P175- P17515SHOU YangweiUnit 9 Terms of Payment課后習(xí)題課后習(xí)題( (催開信用證催開信用證) ). Translate the following sentences into English and then turn them into telex . Translate the following sentences into English and then turn them

18、into telex messages: P174messages: P1741. 1. 第第268268號合約項下的號合約項下的800800輛自行車備妥待運已久，但至今我們輛自行車備妥待運已久，但至今我們尚未收到你們的有關(guān)信用證。請速開來，以便裝運。尚未收到你們的有關(guān)信用證。請速開來，以便裝運。The 800 bicycles against/under Contract No.268 have been ready for shipment for The 800 bicycles against/under Contract No.268 have been ready for ship

19、ment for quite some time, but we havent hitherto received the covering L/C/ up to the present quite some time, but we havent hitherto received the covering L/C/ up to the present and please open it promptly in order to effect shipment.and please open it promptly in order to effect shipment.16SHOU Ya

20、ngweiUnit 9 Terms of Payment2. 2. 如你方信用證在月底前到達(dá)我處，我們將盡最大努力在下如你方信用證在月底前到達(dá)我處，我們將盡最大努力在下月初安排裝運你們所訂的貨。月初安排裝運你們所訂的貨。 We will exert our efforts to effect shipment for your order at the beginning of next We will exert our efforts to effect shipment for your order at the beginning of next month, if your L/C

21、reaches here at the end of this month.month, if your L/C reaches here at the end of this month.17SHOU YangweiUnit 9 Terms of Payment3. 3. 由于你方?jīng)]有及時開立有關(guān)第由于你方?jīng)]有及時開立有關(guān)第10331033號售貨確認(rèn)書的信用證，號售貨確認(rèn)書的信用證，我們不得不撤銷這份確認(rèn)書，并要你方負(fù)擔(dān)由此而產(chǎn)生的我們不得不撤銷這份確認(rèn)書，并要你方負(fù)擔(dān)由此而產(chǎn)生的一切損失。一切損失。 We have to rescind/recall the S/C No.1033 and

22、 all losses thereof will be borne by you, We have to rescind/recall the S/C No.1033 and all losses thereof will be borne by you, because you didnt open the covering L/C against the S/C in time.because you didnt open the covering L/C against the S/C in time.18SHOU YangweiUnit 9 Terms of Payment4. 4.

23、你方可能記得，按照我方第你方可能記得，按照我方第321321號售貨確認(rèn)書規(guī)定，有關(guān)號售貨確認(rèn)書規(guī)定，有關(guān)信用證應(yīng)不遲于信用證應(yīng)不遲于1111月月1515日到達(dá)我處。因此，希望你方及時日到達(dá)我處。因此，希望你方及時開證，以免耽誤裝運。開證，以免耽誤裝運。You may recall that the relevant L/C should reach here not later than Nov 15th You may recall that the relevant L/C should reach here not later than Nov 15th according to the

24、 stipulations in our S/C No.321. Therefore, it is hoped that you will according to the stipulations in our S/C No.321. Therefore, it is hoped that you will open it in time in order not to delay shipment.open it in time in order not to delay shipment.19SHOU YangweiUnit 9 Terms of Payment5. 5. 我們想指出，我

25、方第我們想指出，我方第112112號售貨確認(rèn)書號售貨確認(rèn)書( (你方第你方第48314831號定號定單單) )項下的貨物備妥待運已久，我們一直在等候你方的信項下的貨物備妥待運已久，我們一直在等候你方的信用證，可是很遺憾，我們既沒有收到該信用證也沒有從你用證，可是很遺憾，我們既沒有收到該信用證也沒有從你處聽到有關(guān)這方面的任何消息。請見信后即告你方在開立處聽到有關(guān)這方面的任何消息。請見信后即告你方在開立信用證上究竟有何困難。信用證上究竟有何困難。It is to be pointed out that the goods under our S/C No.112 (Your Order No.48

26、31) It is to be pointed out that the goods under our S/C No.112 (Your Order No.4831) have been ready for quite some time and we have been waiting for your L/C; however have been ready for quite some time and we have been waiting for your L/C; however to our regret, we havent received it or heard any

27、 news from you. Please inform us to our regret, we havent received it or heard any news from you. Please inform us your difficulty in opening the credit.your difficulty in opening the credit.20SHOU YangweiUnit 9 Terms of PaymentPart Part L/C Amendment and Extension L/C Amendment and Extension1 1 背景知

28、識背景知識1.1 1.1 信用證修改的原因及流程信用證修改的原因及流程- - 賣方（出口商）在審證時發(fā)現(xiàn)其中的條款與合同不符，此時出口商應(yīng)賣方（出口商）在審證時發(fā)現(xiàn)其中的條款與合同不符，此時出口商應(yīng)先通知進(jìn)口商并要求其通知銀行進(jìn)行改證先通知進(jìn)口商并要求其通知銀行進(jìn)行改證- - 買方（進(jìn)口商）在信用證開出后，如發(fā)現(xiàn)有必要修改其條款，須先征買方（進(jìn)口商）在信用證開出后，如發(fā)現(xiàn)有必要修改其條款，須先征得出口商同意得出口商同意1.2 1.2 信用證展期的原因信用證展期的原因-規(guī)定的裝運期到期日和信用證的到期日之間規(guī)定的裝運期到期日和信用證的到期日之間一般有一般有10 101515天天的時間間的時間間隔

29、隔，若沒有這樣特定期限，應(yīng)以貨運單據(jù)裝運日期后的，若沒有這樣特定期限，應(yīng)以貨運單據(jù)裝運日期后的21 21天內(nèi)交單議天內(nèi)交單議付有效，但不能超過信用證的議付有效期。超過付有效，但不能超過信用證的議付有效期。超過21 21天的，銀行可拒絕天的，銀行可拒絕議付單據(jù)。議付單據(jù)。- - 因為各種原因致使信用證如沒有如期到達(dá)，此時出口商要求展期，一因為各種原因致使信用證如沒有如期到達(dá)，此時出口商要求展期，一般包括裝運期和信用證的到期日般包括裝運期和信用證的到期日21SHOU YangweiUnit 9 Terms of Payment2 2 例函例函- P186: - P186: 要求改證要求改證P187

30、P187（同意改證）（同意改證）- P177: - P177: 要求展期要求展期P178P178（解釋不能展期的原因）（解釋不能展期的原因）P179P179（繼續(xù)說明展期的必要性）（繼續(xù)說明展期的必要性）22SHOU YangweiUnit 9 Terms of Payment課后習(xí)題課后習(xí)題( (信用證的修改和展期信用證的修改和展期) ). Translate the following sentences into English: P184. Translate the following sentences into English: P1841. 1. 你方你方45674567號信用

31、證條款中，我們發(fā)現(xiàn)有下列兩點與合同條號信用證條款中，我們發(fā)現(xiàn)有下列兩點與合同條款不符：款不符： (1) (2)(1) (2) 貨已備妥待運，請即電報修改你方信用證。貨已備妥待運，請即電報修改你方信用證。There are the following two discrepancies in your L/C No.4567, which dont conform There are the following two discrepancies in your L/C No.4567, which dont conform to/with the terms in the S/C.to/wit

32、h the terms in the S/C.The goods are ready for shipment and please amend your L/C promptly by cable.The goods are ready for shipment and please amend your L/C promptly by cable.23SHOU YangweiUnit 9 Terms of Payment2. 2. 現(xiàn)通知，你方通過利物浦麥加利銀行開出的有關(guān)我方第現(xiàn)通知，你方通過利物浦麥加利銀行開出的有關(guān)我方第187187號售貨確認(rèn)書的信用證第號售貨確認(rèn)書的信用證第H-15

33、H-15號剛剛收到。經(jīng)審閱其中的號剛剛收到。經(jīng)審閱其中的條款，我們遺憾地發(fā)現(xiàn)某些地方與合同規(guī)定的條款不符，條款，我們遺憾地發(fā)現(xiàn)某些地方與合同規(guī)定的條款不符，其不符之處如下：其不符之處如下：Please be informed that we have just received your L/C No.H-15 issued by the Please be informed that we have just received your L/C No.H-15 issued by the Chartered Bank in Liverpool against/under/covering o

34、ur S/C No.187. On examination, Chartered Bank in Liverpool against/under/covering our S/C No.187. On examination, we regret to find the following discrepancies which dont abide by the stipulations in we regret to find the following discrepancies which dont abide by the stipulations in the S/C.the S/

35、C. 24SHOU YangweiUnit 9 Terms of Payment(1) (1) 傭金就是傭金就是3%3%，而不是，而不是6%6%。(2) (2) 貨物應(yīng)于貨物應(yīng)于10 10月月11 11月之間裝運，而不是月之間裝運，而不是10 10月月30 30日或日或30 30之前裝運。之前裝運。(3) (3) 貨物按發(fā)票價值的貨物按發(fā)票價值的110%110%投保保險，不是投保保險，不是150%150%。(1) Commission is 3% instead of 6%.(1) Commission is 3% instead of 6%.(2) Shipment is to be arr

36、anged/effected during Oct/Nov, instead of “on or before Oct (2) Shipment is to be arranged/effected during Oct/Nov, instead of “on or before Oct 30th ”30th ”(3) Insurance is to be covered for 110% of the invoice value instead of 150%.(3) Insurance is to be covered for 110% of the invoice value inste

37、ad of 150%.25SHOU YangweiUnit 9 Terms of Payment3. 3. 請把你方請把你方47614761號信用證的裝船期和有效期分別展至號信用證的裝船期和有效期分別展至11 11月月30 30日日和和12 12月月15 15日，并注意修改通知書要在日，并注意修改通知書要在10 10月月30 30日前到達(dá)我處，日前到達(dá)我處，否則我方絕不可能在否則我方絕不可能在11 11月份裝運。月份裝運。Please extend your L/C No.4761 to Nov 30th and Dec 15th for time of shipment and Please

38、 extend your L/C No.4761 to Nov 30th and Dec 15th for time of shipment and validity respectively. Please be informed that the amendment advice should reach us validity respectively. Please be informed that the amendment advice should reach us by Oct 30th, otherwise it will be absolutely impossible f

39、or us to effect shipment during by Oct 30th, otherwise it will be absolutely impossible for us to effect shipment during November.November.26SHOU YangweiUnit 9 Terms of Payment4. 4. 十分遺憾，我們不能按你方要求把我方第十分遺憾，我們不能按你方要求把我方第145145號信用證展期。因號信用證展期。因為目前進(jìn)口規(guī)章不允許延長進(jìn)口許可證的有效期。我們要指出，為目前進(jìn)口規(guī)章不允許延長進(jìn)口許可證的有效期。我們要指出，這不是我

40、們不愿與你方合作，而是沒有能力滿足你方展期的要這不是我們不愿與你方合作，而是沒有能力滿足你方展期的要求。在此情況下，我們別無他法，只得請你方按合同規(guī)定裝運。求。在此情況下，我們別無他法，只得請你方按合同規(guī)定裝運。To our much regret, we are unable to extend our L/C No.145 in light of your request, To our much regret, we are unable to extend our L/C No.145 in light of your request, because the present impo

41、rt regulations dont allow any extension of import license. It is to be because the present import regulations dont allow any extension of import license. It is to be pointed out that it is not that we dont cooperate with you but that we cant meet your pointed out that it is not that we dont cooperat

42、e with you but that we cant meet your demand. Under the circumstances, we have no choice but to ask you to effect shipment as demand. Under the circumstances, we have no choice but to ask you to effect shipment as stipulated. / can do nothing but ask you to effect shipment as stipulated.stipulated.

43、/ can do nothing but ask you to effect shipment as stipulated.27SHOU YangweiUnit 9 Terms of Payment5. 5. 在我方第在我方第135135號合約內(nèi)明確規(guī)定該筆交易的傭金為號合約內(nèi)明確規(guī)定該筆交易的傭金為3%3%。但發(fā)。但發(fā)現(xiàn)你方第現(xiàn)你方第557557號信用證要求傭金號信用證要求傭金5%5%，這顯然與合約條款不，這顯然與合約條款不符。為此，請通知你方銀行把信用證修改為傭金符。為此，請通知你方銀行把信用證修改為傭金3%3%，不勝，不勝感激感激。We find that your L/C No.557

44、 claims a commission of 5%, which obviously We find that your L/C No.557 claims a commission of 5%, which obviously contradicts (with) the stipulation of 3% in our S/C No.135. Therefore, we will contradicts (with) the stipulation of 3% in our S/C No.135. Therefore, we will appreciate if you instruct

45、 your bank to amend the L/C concerning the commission appreciate if you instruct your bank to amend the L/C concerning the commission terms.terms.28SHOU YangweiUnit 9 Terms of Payment6. 6. 收到你方收到你方789789號信用證，謝謝。經(jīng)核對條款，我們遺憾地發(fā)號信用證，謝謝。經(jīng)核對條款，我們遺憾地發(fā)現(xiàn)你方信用證要求現(xiàn)你方信用證要求10 10月份裝運，但我方合約規(guī)定月份裝運，但我方合約規(guī)定11 11月份裝月份裝運

46、。因此，務(wù)請把裝運期和議付期分別展至運。因此，務(wù)請把裝運期和議付期分別展至11 11月月30 30日和日和12 12月月15 15日。請即辦理展證事宜，并盡早電復(fù)。日。請即辦理展證事宜，并盡早電復(fù)。We thank you for your L/C No.789. On examination, we regret to find that your L/C We thank you for your L/C No.789. On examination, we regret to find that your L/C requires shipment in October, which d

47、oesnt conform to/with the stipulation of our requires shipment in October, which doesnt conform to/with the stipulation of our S/C for shipment in November. Therefore, please extend your L/C to November 30th S/C for shipment in November. Therefore, please extend your L/C to November 30th and Decembe

48、r 15th for time of shipment and negotiation respectively. Please extend and December 15th for time of shipment and negotiation respectively. Please extend promptly and reply by cable at your earliest mptly and reply by cable at your earliest convenience.29SHOU YangweiUnit 9 Terms of P

49、ayment補充習(xí)題：補充習(xí)題：1. Translate the following L/C stipulations into Chinese1. Translate the following L/C stipulations into Chinese(1)(1)Provided such drafts are drawn and presented in accordance with the terms of this credit, we Provided such drafts are drawn and presented in accordance with the terms

50、 of this credit, we hereby engage with the drawers, endorsers and bona-fide holders that the said drafts shall be hereby engage with the drawers, endorsers and bona-fide holders that the said drafts shall be honored on presentation.honored on presentation.凡根據(jù)本信用證的條件開出并提示的匯票，本行保證對出票人，凡根據(jù)本信用證的條件開出并提示的

51、匯票，本行保證對出票人，背書人及善意持有人履行付款義務(wù)。背書人及善意持有人履行付款義務(wù)。(2) Transshipment is permitted at any port against through bill of lading.(2) Transshipment is permitted at any port against through bill of lading.只要符合提單的規(guī)定，在任何港口都可以轉(zhuǎn)船。只要符合提單的規(guī)定，在任何港口都可以轉(zhuǎn)船。30SHOU YangweiUnit 9 Terms of Payment(3) Draft (s) drawn under thi

52、s credit must be negotiated in China on or before when this credit (3) Draft (s) drawn under this credit must be negotiated in China on or before when this credit expires.expires.此信用證的匯票必須在到期日或之前在中國議付。此信用證的匯票必須在到期日或之前在中國議付。(4) Documents must be presented for negotiation within days after the on-board date of bills of (4) Documents must be presented for negotiation within days after the on-board date of