Termsofpayment國(guó)際貿(mào)易支付方式

1、TermsofPaymentInstrumentsofpaymentICheque支票DraftWordlist:Billofexchange/draft匯票B/Edrawer出票人drawee/payer受票人/付款人Issue出票Presentment/Presentation提示Acceptance承兌Payment付款Endorsement背書Dishonorandrecourse拒付和追索BillofExchangeNoC"ZFR00127Date03.July.1995,GnwuyhouExchangeforUSD100.00。iD/PAtsightpnytbisfkst

2、billofexchange（secondxchaug*1beingunpni（i）totheorderofBik/f1】打岬GujiiflzhouBratiTbthesumofUSDnunbunchedtboumiHloul.iITobcyEr/importErFcrs，llEiportertnitedKingdomjuithorizedsignature二Procedure：Qpresentdrawerpayeepayer/draweeOaccept,poy出票(issue)o出票人在匯票上填寫付款人、付款金額、付款日期和地點(diǎn)以與受款人等項(xiàng)目,簽字后交付給收款人的行為提示(presenta

3、tion)。提示是持票人將匯票提交付款人要求付款人承兌或付款的行為，是持票人要求取得票據(jù)權(quán)利的必要程序。eitherthedeliveryofdocumentsunderacredittotheissuingbankornominatedbankorthedocumentssodelivered交單指向開證行或指定銀行提交信用證項(xiàng)下單據(jù)的行為，或指按此方式提交的單據(jù)。承兌(acceptance)。指付款人在持票人向其提示遠(yuǎn)期匯票時(shí)，在匯票上簽名，承諾在匯票到期時(shí)付款的行為。具體做法是付款人在匯票正面寫明承兌(accepted)"字樣，注明承兌日期，簽章后交還持票人。付款人一旦對(duì)匯票作

4、承兌，即成為承兌人，以債務(wù)人的地位承當(dāng)匯票到期時(shí)付款的法律責(zé)任。1) 付款(payment)。付款人在匯票到期日，向提示匯票的合法持票人按匯票上的金額付全款。持票人將匯票注銷后交給付款人作為收款證明。匯票所代表的債務(wù)債權(quán)關(guān)系即告終止。5）背書（endorsement）o票據(jù)包括匯票是可流通轉(zhuǎn)讓的證券。根據(jù)我國(guó)票據(jù)法規(guī)定，除非出票人在匯票上記載不得轉(zhuǎn)讓"夕卜，匯票的收款人擁有以記名背書的方式轉(zhuǎn)讓匯票權(quán)利。即在匯票背面簽上自己的名字，并加注被背書人的名稱，然后把匯票交給被背書人即受讓人,受讓人成為持票人，是票據(jù)的債權(quán)人。6）拒付和追索（dishonor&recourse）。持票人

5、向付款提示，付款人拒絕付款或拒絕承兌，均稱拒付。另外，付款人拒不見票死、亡或宣告破產(chǎn)，以致持票人無法實(shí)現(xiàn)提示，也稱拒付。Types:1Accordingtodate:SightBillorDemandDraftorDraftatsight（即期匯票）TimeBillorUsanceBillorDraftaftersight（遠(yuǎn)期匯票）2AccordingtodrawerBanker'sDraft/Bill銀行匯票TradeDraft/Bill商業(yè)匯票3AccordingtoattachingshippingdocumentornotDocumentaryBill跟單匯票：acpanie

6、dbyshippingdocuments.CleanBill光票:without4Accordingtodifferentacceptor承兌人Trader'sAcceptanceBill商業(yè)承兌匯票:drawnonandacceptedbyatraderBankersAcceptanceBill銀行承兌匯票:drawnonandacceptedbyabankerPromissoryNote一、定義出票人本人簽發(fā)給受款人的、保證在見票時(shí)或在指定的或可確定的將來某一時(shí)間無條件支付一定金額的書面承諾。二、種類1、現(xiàn)金支票-支票上印有“現(xiàn)金字樣，只能用于支取現(xiàn)金；2、轉(zhuǎn)帳支票-支票上印有“轉(zhuǎn)

7、賬"字樣，只能用于轉(zhuǎn)賬；3、普通支票-支票上未印有“現(xiàn)金"或“轉(zhuǎn)賬"宇樣，可以用于支取現(xiàn)金，也可以用于轉(zhuǎn)賬。在普通支票左上角劃兩條平行線的，為劃線支票，劃線支票只能用于轉(zhuǎn)賬，不能用于支取現(xiàn)金。CheckProcedure：SinstructiXpavdrawer/maker*drawee*payeeDef:支票的出票人預(yù)留銀行簽章是銀行審核支票付款的依據(jù)。銀行也可以與出票人約定使用支付密碼，作為銀行審核支付支票金額的條件。Types:記名支票CHEQUEPAYABLETOORDE福在支票受款人一欄，寫明受款人某某，如“支付XXX或指定人"PAYXXXOR

8、ORDER取款時(shí)須由受款人簽章，方可支取。不記名支票CHEQUEPAYABLETOBEARE取稱空白支票。支票上不記載受款人某某,只寫“付來人"PAYBEARER取款時(shí)持票人無須在支票背后簽章，即可支取。劃線支票CROSSEDCHEQUE是在支票正面劃兩道平行線的支票。劃線支票與一般支票不同。一般支票可委托銀行收款入賬，也可由持票人自行提取現(xiàn)款。而劃線支票只能委托銀行代收票款入賬。使用劃線支票的目的是為了在支票遺失，被人冒領(lǐng)時(shí)，還可能通過銀行代收的線索追回票款。ModesofInt'lPaymentCommercialcredit商業(yè)信用Remittance.w:Collec

9、tion（托牧）Bankcredit銀行信用LenerofCreditRemittanceDef:指不同國(guó)家地區(qū)間一方向另一方轉(zhuǎn)移資金，也就是說，某一銀行匯出行應(yīng)其客戶的要求，將一定貨幣金額轉(zhuǎn)移至其海外分行或代理行，指示其付款給某一指定收款人。Wordlist:remittingbank孑匚出行theremitter匯款方MailTransfer,M/T信匯paymentorder付款委托書BillsforCollection托收票據(jù)TelegraphicTransfer,T/T電匯DemandDraft,D/D票匯Procedure：Remitter匯款方（進(jìn)口商）Payee/Beneflc

10、iory收款方（出口高申造書解付匯款RemittingBank匯出行進(jìn)口商所在地銀行）委托付款PayingBank/Receivingbank匯入行（出口商所在地銀行）Types:1MailTransfer,M/T信匯匯出行根據(jù)進(jìn)口商的指示，以銀行信件郵寄指示出口商所在地的匯入行，委托其向出口商或其指定人付款的匯款方式。Cheapbutslow,seldomused2TelegraphicTransfer,T/T電匯匯出行根據(jù)進(jìn)口商的指示，以電報(bào)/電傳/SWIFT等電訊方式指示出口商所在地的匯入行，委托其向出口商或其指定人付款的匯款方式。Fastandsafeforexportertogett

11、hemoney;Themostmonlyusedtypeofremittance3DemandDraft,D/D票匯進(jìn)口商在本地銀行購(gòu)置銀行匯票直接寄給出口商，出口商憑以向匯票上指定的銀行收取款項(xiàng)的匯款方式。Flexibletodrawmoney;ConvenientfortheexporterCollectionDef:托收Collection是指?jìng)鶛?quán)人出口人出具債權(quán)憑證匯票等委托銀行向債務(wù)人進(jìn)口人收取貨款的一種支付方式。CollectionCleanCollectionDocumentaryCollectionD/PaftersightD/Pmsight采用托收方式應(yīng)注意的問題1嚴(yán)格審查客

12、戶資信2貿(mào)易術(shù)語應(yīng)爭(zhēng)取使用CIF或CIP以防止貨物在途中發(fā)生損失，買方不承受單據(jù)和貨物。采用CIF或CIP,賣方尚可向保險(xiǎn)公司索賠。如爭(zhēng)取不到上述術(shù)語，賣方可投保賣方利益險(xiǎn)，以彌補(bǔ)以上損失。Wordlist:TheDrawer/Principal委托人/出口方TheDrawee付款人/進(jìn)口方TheRemittingBank托收行/出口地銀行TheCollectingBank代收行/進(jìn)口地銀行CleanCollection光票托收DocumentaryCollection跟單托收documentsagainstpayment(D/P)付款交單documentsagainstacceptance(

13、D/A)承兌交單Against:表示交換關(guān)系以.抵付；憑.換取Financialdocuments金融單據(jù)指匯票、本票、支票或者其它用于取得付款的類似憑證mercialdocuments商業(yè)單據(jù)指發(fā)票、運(yùn)輸單據(jù)、物權(quán)憑證或其它類似單據(jù)，或除金融單據(jù)以外的任何其它單據(jù)ProcedureofcollectionNolti：inthecaseufatimedraft,thuimportermakusapromisetupay,nottheactualpayment,instep5shlpmentofImporter/drawee8paymentExporter1sBank/Exporter/lpri

14、ncipalsubmitsdraft,packinglist,billoflading,etc5:<.«releasesdoc.pa/mentnotifiesimporterthatdoc.havebeen:receivedpaymentImporter!sBank/transfersdocumentstocollectingBankRemittingBankimporter'sbankTypes:1CleanCollection光票托收Itmeanscollectionoffinancialdocumentsnotacpaniedbymercialdocuments.

15、才旨不附帶商業(yè)單據(jù)的金融單據(jù)的托收。Mainlyusedforsmallamounttransaction,advancepayment預(yù)付款,installmentpayment分期付款，missionandcostsofsamplesetc.2DocumentaryCollection跟單托收Itmeanscollectionoffinancialdocumentsacpaniedbymercialdocuments;指附帶商業(yè)單據(jù)的金融單據(jù)的托收；(a)DocumentsAgainstPayment,D/P付款交單Thecollectingbankmayreleasethedocumen

16、tsonlyagainstimmediatepayment.ItcanbeclassifiedintoD/PAtSightandD/PAfterSight.出口商的交單是以進(jìn)口商的付款為條件。指出口商將匯票連同商業(yè)單據(jù)委托銀行代收款項(xiàng)時(shí)，指示銀行只有在進(jìn)口商付清款項(xiàng)后才能將商業(yè)單據(jù)交給進(jìn)口商。又可分為即期和遠(yuǎn)期付8/14款交單。*DocumentsagainstPayment(D/P)付款交單D/PatsightUponpresentation,theBuyershallpayagainstdocumentarydraftdrawnbytheSelleratsight.Theshippingd

17、ocumentsaretobedeliveredagainstpaymentonly.D/PaftersightTheBuyershalldulyacceptthedocumentarydraftdrawnbytheSelleratxxdays'sightuponfirstpresentationandmakepaymentonitsmaturity.(b)DocumentsAgainstAcceptance,D/A承兌交單Thecollectingbankmayreleasethedocumentsagainstthebuyer'acceptanceofadraft(fori

18、nstance,drawnpayable6080daysaftersightordueonadefinitedate).Afteracceptance,thebuyer(importer)gainspossessionofthegoodsbeforethepaymentismade.Thebuyerwillmakepaymentwhenthetimedraftismature.出口商的交單是以進(jìn)口商在匯票上承兌為條件。指出口商按照合同規(guī)定裝貨后，開具遠(yuǎn)期匯票連同商業(yè)單據(jù)交當(dāng)?shù)赝惺招屑膯涡?，指示并委托其在進(jìn)口地的與其有和約關(guān)系的代收行提示行)向進(jìn)口商做出提示，進(jìn)口商承兌遠(yuǎn)期匯票，便可領(lǐng)取商業(yè)單據(jù)

19、、提取貨物，待遠(yuǎn)期匯票到期時(shí)再付清貨款。D/Avs.D/P迎出口商于2004年9月10曰開出跟單匯票，9月17日進(jìn)行收到匯票當(dāng)天向進(jìn)口商提示那么在D/P即期、D/P30天和D/A30天的情況下,匯票的提示口.承兌日.付款日和單跟的揍交日分別如下:DateofPresentation慍示日DateofAcceptance承兌日DateofPayment代款曰DateofDocumentsReleasino交單日AP即期明1了日無嘉承兄NO明17日9月17日LMP3W明17日9月17曰1。月17日月17日D/A林明17日9月17曰1。月17曰9月”日LetterofCreditDef:AL/Cis

20、aconditionalwrittenundertakinggivenbybankontherequestofanimportertopayatsightoratdeterminablefuturedateacertainamountofmoneytotheexporteragainststipulateddocuments,providedthatthetermsandconditionsofthecreditarepliedwith.信用證之所以復(fù)雜，其原因是因?yàn)樾庞米C涉與的法律上主體較一般的合同要多得多。一X信用證至少涉與三個(gè)主體：開證申請(qǐng)人、開證行、受益人SalesContract_I

21、mporterExporter/conditionalSJBankpaymentpromise*L/Cbelongstobanker'twhrirediollectionbelongstomercialcredit.信用證屬于銀行信用，而托收屬于商業(yè)信用。*Basedonthesalescontract,butonceopened,L/Cisindependentfromthesalescontract.一經(jīng)開出，信用證就成為獨(dú)立于買賣合同之外的另一種契約，不受買賣合同的約束。*InL/Cbusiness,banksareonlyboundbythecredit,andmakepaym

22、entagainstdocumentswhicharefullyinconformitywiththecredit.信用證交易中，銀行受信用證條款約束，僅憑與信用證規(guī)定相符單據(jù)付款。*就性質(zhì)而言，信用證與可能作為其依據(jù)的銷售合同或其它合同，是相互獨(dú)立的交易。即使信用證中提與該合同，銀行亦與該合同完全無關(guān)，且不受其約束。Wordlist:Negotiatingbank議付行是根據(jù)開證行在議付信用證中的授權(quán)，買進(jìn)受益人提交的匯票和單據(jù)的銀行Payingbank付款行是信用證上被開證行指明須履行付款責(zé)任的銀行，一般為開證行本身或開證行的代理行Reimbursingbank償付行是受開證行指示或由開證

23、行授權(quán)，對(duì)信用證的付款行，承兌行、保兌行或議付行進(jìn)展付款的銀行Confirmingbank保兌行是應(yīng)開證行或信用證受益人的請(qǐng)求，在開證行的付款保證之外對(duì)信用證進(jìn)展保證付款的銀行Applicant/opener:alwaystheimporter;Beneficiary:alwaystheexporter;Opening/issuingbank:theonewhichissuesaletterofcreditattherequestofanapplicanttothebeneficiary;Advising/notifyingbank:thecorrespondingbankoftheissui

24、ngbankoritsheadofficeorsubsidiarylocatedintheexporter'scountryDocumentaryCredit&CleanCredit跟單信用證和光票信用證SightL/C&TimeL/C即期信用證和遠(yuǎn)期信用證IrrevocableL/C不可撤銷信用證ConfirmedL/C&UnconfirmedL/C保兌信用證和不保兌信用證TheProcedureofL/CBusinessBeneficiary/Exporter受益人,出口商*1signthecontract5shipthegoods12takedeliver

25、yApplicant/Importer開證中請(qǐng)人/進(jìn)口商7pay6submitdoc.4adviseAdvising/Negotiatingbank通知/議付行出口地銀行3issueL/C8senddoc.9pay/acceptIssuingbank/Payingbank開證行，付款行進(jìn)口地銀行BasicstepsofL/C:'sapplyingforandopeningadocumentarycredit'sformalnotificationofthesellerthroughtheadvising1Issuance：describestheprocessofthebuye

26、rattheissuingbankandtheopeningbankbank.2Examineandamendment:Afterreceivingthebuyer'LsC,thesellershouldexamineandverifyitincontrastwiththecontract.ThecontentofL/Cmustbeconsistentwiththecontract.Ifthereisanydiscrepancy,amendmentsarenecessary.ToamendtheL/C,bothpartiesandtheissuingbankmustagree.Theb

27、eneficiarymustgivenotificationofacceptanceorrejectionoftheamendmenttotheadvisingbank.3Utilization:describestheprocedureforthesellershippingofthegoods,thetransferofdocumentsfromthesellertothebuyerthroughthebanks,andthetransferofpaymentfromthebuyertothesellerthroughthebanks.TypesofL/C1DocumentaryCredi

28、t&CleanCredit跟單信用證和光票信用證CleanCredit：光票信用證是開證行僅憑不隨附單據(jù)的匯票付款的信用證。DocumentaryCredit:跟單信用證指憑匯票連同規(guī)定貨運(yùn)單據(jù)或僅憑規(guī)定的貨運(yùn)單據(jù)付款的信用證。*“單"：指代表貨物所有權(quán)或證明貨物已裝運(yùn)的貨運(yùn)單據(jù)，比如運(yùn)輸單據(jù)、商業(yè)發(fā)票、商檢證書、海關(guān)發(fā)票、產(chǎn)地證、裝箱單等。2SightL/C&TimeL/C即期信用證和遠(yuǎn)期信用證SightL/C:開證行或付款行見受益人提交的符合信用證條款的單據(jù)和即期匯票有時(shí)可不附即期匯票即付貨款的信用證。TimeL/C:開證行或其指定的付款行收到受益人開來的遠(yuǎn)期匯票或單據(jù)以后，并不立即付款，而是先行承兌，等匯票到期日再行付款的信用證。3IrrevocableL/C不可撤銷信用證4ConfirmedL/C&UnconfirmedL/C保兌信用證和不保兌信用證ConfirmedL/C:開證