Unit7 International Payment of Goods国际支付 >International trade is different from the purchase and sale in our daily life.It can not always be done by cash in the spot.The importer and the exporter may have relatively limited knowledge of the financial strength (capability)and commercial reputation of the other party, so payment in international trade is often more difficult.Payment clause including such aspects such as time,place,modes and instruments of payment is very important in an international sales contract. >Today,we will mainly deal with the instruments and terms of payment in international trade
Unit 7 International Payment of Goods国际支付 ➢International trade is different from the purchase and sale in our daily life. It can not always be done by cash in the spot. The importer and the exporter may have relatively limited knowledge of the financial strength（capability） and commercial reputation of the other party, so payment in international trade is often more difficult. Payment clause including such aspects such as time, place, modes and instruments of payment is very important in an international sales contract. ➢Today, we will mainly deal with the instruments and terms of payment in international trade
l.Instrument of Payment支付工具 ·1)Draft:汇票 ■汇票是一个人（出票人）向另一个人（受票人）签发的，要求其 即期或定期或在可以确定的将来时间，对持票人或某一指定的人 或凭指示（受款人）支付一定金额的书面命令。受款人和出票人 通常是同一个人，但因为出票人可以指示受票人“凭我们指示” 或“凭其他人指示”如银行来付款，所以受款人并非一定是出票 人。 Three parties to a draft: ·drawer draft drawee/payer money→payee出票人-受票人-受款人 ·(exporter） (importer) (exporter or bank)
1.Instrument of Payment支付工具 • 1）Draft: 汇票 ◼汇票是一个人（出票人）向另一个人（受票人）签发的，要求其 即期或定期或在可以确定的将来时间，对持票人或某一指定的人 或凭指示（受款人）支付一定金额的书面命令。受款人和出票人 通常是同一个人，但因为出票人可以指示受票人“凭我们指示” 或“凭其他人指示”如银行来付款，所以受款人并非一定是出票 人。 ◼Three parties to a draft: • drawer draft drawee / payer money payee 出票人-受票人-受款人 • (exporter) (importer) (exporter or bank)
Types of draft: According to the different drawer,a draft can be divided into: ◆Banker's Draft银行汇票 ◆Commercial Draft商业汇票 According to the time of payment: ◆Sight Draft即期汇票 ◆Time Draft远期汇票(Usance Draft) AtX×days after sight见票后若干天付款 At XX days after the date of issue出票后若干天付款 At XX days after date of Bill of Lading提单签发后若干天付款 At XX days after acceptance承兑后若干天付款
Types of draft: According to the different drawer, a draft can be divided into: ◆Banker’s Draft 银行汇票 ◆Commercial Draft 商业汇票 According to the time of payment: ◆Sight Draft即期汇票 ◆Time Draft 远期汇票（Usance Draft） At ×× days after sight 见票后若干天付款 At ×× days after the date of issue 出票后若干天付款 At ×× days after date of Bill of Lading 提单签发后若干天付款 At ×× days after acceptance 承兑后若干天付款
◆Clean Draft光票汇票 ◆Documentary Draft跟单汇票 2)Check支票 支票是由银行储户签发的，要求银行对受款人支付一定全额的无条 件命令。支票通常是即期的，应见票付款。如果支票由银行开出的， 那就叫做银行汇票。 3)Promissory Note本票 本票是由一个人承诺即期或定期或在可以确定的将来时间付给另一 个人、或凭另一个人指示或持票人一定全额的无条件书面承诺。本 票可由个人、工商企业或银行签发
◆Clean Draft 光票汇票 ◆Documentary Draft跟单汇票 2）Check 支票 支票是由银行储户签发的，要求银行对受款人支付一定金额的无条 件命令。支票通常是即期的，应见票付款。如果支票由银行开出的， 那就叫做银行汇票。 3) Promissory Note本票 本票是由一个人承诺即期或定期或在可以确定的将来时间付给另一 个人、或凭另一个人指示或持票人一定金额的无条件书面承诺。本 票可由个人、工商企业或银行签发
2.Terms of Payment支付方式 1)Remittance汇付 2)Letter of Credit信用证 3)Collection托收
2.Terms of Payment 支付方式 1) Remittance 汇付 2) Letter of Credit 信用证 3) Collection 托收