快速掌握付款方式

付款方式ContentPaymentInstrumentsPaymentMethodsPaymentTermsPaymentInstrumentsCashFinancialDocumentsPromissoryNoteCheck/ChequeBillofExchangeFinancialDocuments票據(jù)是以支付一定金額為目的，并可以自由流通轉(zhuǎn)讓的特種證券。RefertoBillsofExchangeAct(1882)Features:Negotiability（流通性）Non-causativeNature（無(wú)因性）RequisiteinForm（要式性）I.PromissoryNoteDefinitionRequiredContentsTypesII.Check(Cheque)DefinitionRequiredcontentsTypesIII.BillofExchange(Draft/Bill)DefinitionRequiredcontentsTypesWhatisaBillofExchange/draft?Anunconditionalorderinwritingsignedbyoneparty(drawer)requestingasecondparty(drawee/payer)topayastatedsumofmoneytoathirdparty(payee),ondemandoratafixedordeterminablefuturetime.Whataretherequiredcontentsofadraft?“BillofExchange”or“Draft”UnconditionalorderofpaymentFixedamountNameofdrawee/payerNameofpayeeDateofissuingDrawer’snameandsignaturePlaceofIssuingDateandplaceofpaymentBILLOFEXCHANGEDrawnUnderBankofChina,LondonIrrevocableL/CNo.2003056DatedJanuary10,2005Payblewithinterest5.2%PerannumNo.20042EXCHANGEforHKD236,000.00Tianjin,ChinaFebruary20,2005at30daysafterSightofthisFIRSTofExchange(SecondofExchangebeingunpaid)PaytotheorderofBankofChina,TianjinBranchthesumofHongkong

Dollars

TWOHUNDREDANDTHIRTY-SIXTHOUSANDONLY

TO:BANKOFCHINA,HONGKONGChinaMachinery&EquipmentImport&ExportCorp.,ShanghaiBranch

(SIGNATURE)DrawerBanker’sDraftCommercialDraftTypes

D/DCollectionL/CTypesPaymenttimeSightDraft(DemandDraft)TimeDraft(UsanceDraft)AtxxdaysaftersightAtxxdaysafterdateofdraftAtxxdaysafterdateofB/LFixeddate:OnNov.30TypesAcceptorCommercialAcceptanceDraftBanker’sAcceptanceDraftCommercialcreditBankcreditTypesCommercialDocumentsCleanDraftDocumentaryDraftToDraw1Presentation2Endorsement5Payment4Acceptance3Discount6Dishonor7Recourse8UseofDraftsSightTimeorAddressee:1.Arestrictivepayee2.toorder3.tobearer

Pay…Co.nottransferablePay…Co.onlyPay…Co.ororderPaytotheorderof…Co.PaybearerPayholderEndorsement:

1.Restrictive2.Blank3.SpecialPayto…Co.onlyPay…Co.nottransferablePay…bankororderDiscount持現(xiàn)有遠(yuǎn)期匯票的人若想在付款人付款前取得票款，可以經(jīng)過(guò)背書將匯票轉(zhuǎn)讓給貼現(xiàn)的銀行或金融公司（即受讓人），由他們按票面金額扣除一定貼現(xiàn)利息后，將余額付給持票人（即出讓人）的行為。一般貼現(xiàn)的目的是加速資金周轉(zhuǎn)。Differencesbetweendraftandpromissorynote,check性質(zhì)當(dāng)事人付款時(shí)間匯票支票本票無(wú)條件的書面支付命令無(wú)條件的書面支付承諾出票人/受款人出票人/付款人/受款人無(wú)條件的書面支付命令只有即期沒有遠(yuǎn)期分遠(yuǎn)期/即期遠(yuǎn)期不承兌分遠(yuǎn)期/即期遠(yuǎn)期需承兌出票人/付款人/受款人PaymentMethodsRemittanceCollectionLetterofCreditRemittanceFavorableexchange(remittance):thebuyermakesthepaymentbybanktransferofhisownaccord.RemittanceRemittancereferstotransferoffundsfromoneparty(payer)toanother(payee)amongdifferentcountriesthroughbanks.FourPartiesRemitterBeneficiaryRemittingBankPayingBankTypesofRemittance信匯MailTransfer(M/T)費(fèi)用低廉速度較慢電匯TelegraphicTransfer(T/T)收款迅速費(fèi)用較高票匯DemandDraft(D/D)付款靈活便捷RemitterPayingBankBeneficiaryRemittingBankContractTheProcessofRemittance–M/TorT/TM/TorT/TRemitterPayingBankBeneficiaryRemittingBankContractTheProcessofRemittance–D/DNotifyPayForwardBank’sDraftPresentApplyDrawFeaturesCommercialCreditFavorableExchangeApplicationinInternationalTradePaymentinadvance 預(yù)付貨款Cashwithorder 隨訂單付現(xiàn)Paymentafterarrivalofgoods貨到付款Openaccount(OA) 賒賬交易Consignment 寄售賣方買方CollectionAdverseexchange(reverseremittance,todraw):theexportertakestheinitiativetogatherthepaymentfromthebuyer.CollectionCollectionAbankreceivesanexporter’scollectionorderanddocuments,presentsthedocumentstotheimporterandcollectsfundsforthesellerCleanCollectionDocumentaryCollectionDocumentaryCollectionisameansofensuringthatgoods(titledocuments)arehandedovertothebuyer(byabank)onlywhentheamountshownonabillofexchangeispaidorwhenthecustomeracceptsthebillasacontracttopaybyaspecificdate.FeaturesCommercialCredit(CommercialDraft)AdverseExchangeURC522(UniformRulesforCollection)FourPartiesPrincipalDraweeRemittingBankCollectionBankSeller/ExporterBuyer/ImporterTypesofDocumentaryCollectionDocumentsAgainstPayment(D/P)D/PatsightD/PatXXdaysaftersightDocumentsAgainstAcceptance(D/A)SampleClauseofD/PD/PSight“UponfirstpresentationtheBuyersshallpayagainstdocumentarydraftdrawnbytheSellersatsight.Theshippingdocumentsaretobedeliveredagainstpaymentonly.”D/PafterSight“TheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersat××dayssightuponfirstpresentationandmakepaymentonitsmaturity.Theshippingdocumentsaretobedeliveredagainstpaymentonly.”D/P(DocumentsagainstPayment)Principal(Exporter)Drawee(Importer)RemittingBankCollectingBank1ContractShippingLine23456789101112SampleClauseofD/ATheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersat45dayssightuponfirstpresentationandmakepaymentonitsmaturity.TheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersuponpresentationandmakepaymentat30daysafterdateofB/L(draft).Theshippingdocumentsaretobedeliveredagainstacceptance.Paymentbydraftpayable120daysaftercargoarrival,documentsagainstacceptance.Principal(Exporter)Drawee(Importer)RemittingBankCollectingBank1ContractShippingLine234567810111291314D/A(DocumentsagainstAcceptance)CaseStudy我某外貿(mào)公司與一外商成交一批貨物，雙方洽談時(shí)，付款方式為D/Pat30daysaftersight，后外商要求改為D/Aat30daysaftersight，請(qǐng)問，我方能否答應(yīng)？為什么？ComparisonofD/PandD/A支付方式交單條件付款時(shí)間收匯風(fēng)險(xiǎn)D/P付款交單即期或遠(yuǎn)期部分損失D/A承兌交單遠(yuǎn)期貨款兩空Similarities:Collection,CommercialCredit,AdverseExchangeDifferences:CaseStudy我某公司向日本商人以D/P即期付款方式推銷某商品，對(duì)方答復(fù)，如我方接受D/Pafter90days付款，并通過(guò)它指定的A銀行代收則可接受。試問，日方為什么提出此項(xiàng)要求？TrustReceipt(T/R)

憑信托收據(jù)借單CaseStudy我某外貿(mào)企業(yè)與某國(guó)A商達(dá)成一項(xiàng)出口合同，付款條件為付款交單見票后45天付款。當(dāng)匯票及所附單據(jù)通過(guò)托收行寄抵進(jìn)口地代收行后，A商及時(shí)在匯票上履行了承兌手續(xù)。貨抵目的港時(shí)，由于用貨心切，A商出具信托收據(jù)向代收行借得單據(jù)，先行提貨轉(zhuǎn)售。匯票到期時(shí)，A商因經(jīng)營(yíng)不善，失去償付能力。代收行以匯票付款人拒付為由通知托收行，并建議由我外貿(mào)企業(yè)直接向A商索取貨款。對(duì)此，你認(rèn)為我外貿(mào)企業(yè)應(yīng)如何處理？CollectionBillPurchased

托收出口押匯ApplicationinInternationalTradeFavorabletoimporters他僅憑自身信用進(jìn)行交易而不需墊付資金若采用D/A，還可以進(jìn)一步運(yùn)用賣方資金Unfavorabletoexporters

破產(chǎn)喪失清償債務(wù)的能力言而無(wú)信拒不付款錢貨兩空LetterofCreditDefinitionofLetterofCreditwrittenundertakingofpayment.bankconditionalATermsarestrictlycompliedwith.（單單一致，單證一致）Creditmeansanyarrangement,howevernamedordescribed,thatisirrevocableandtherebyconstitutesadefiniteundertakingoftheissuingbanktohonoracomplyingpresentation.UCP600Article2DefinitionCharacteristicsofL/CPrimaryLiabilitiesforPaymentSelf-SufficientInstrumentPureDocumentaryTransactionApplicant(Importer)Beneficiary(Exporter)IssuingBankSalesContractApplicationforL/CL/CTriangularContractualArrangementMajorPartiesInvolvedApplicant–ImporterBeneficiary–ExporterIssuingBank–Importer’sBankDepositforestablishmentofL/CAdvisingBank–BranchorCorrespondentBank表面真實(shí)性O(shè)therPartiesInvolvedNegotiatingBankPayingBankConfirmingBankReimbursingBankDifferencesbetween

PayingBankandReimbursingBankPayingBankistheDraweeBankdesignatedbyL/C.UsuallyitistheIssuingBankitself.ItshouldcheckthedocumentsagainstL/C. ReimbursingBankistheClearingBankofL/C,andhasnoresponsibilitytocheckthedocumentsagainstL/C.EveryL/ChasitsPayingBank,butnoteveryL/ChasitsReimbursingBank.Applicant（Importer）Beneficiary（Exporter）AdvisingBank/NegotiatingBankIssuingBank/PayingBank1ContractShippingLineGeneralProcedureofUsinganL/C23456789101112131415BasicTypesofL/CRevocableCreditIrrevocableCreditTheCreditshouldclearlyindicatewhetheritisrevocableorirrevocable.IntheabsenceofsuchindicationtheCreditshallbedeemedtobeirrevocable.CleanCreditDocumentaryCreditIrrevocableDocumentaryCreditBasicTypesofL/COtherTypesofL/CSightPaymentCreditUsanceCreditTimeCreditPaymentagainstDocumentsL/CL/CwithT/TReimbursementClauseDeferredPaymentL/CAcceptanceL/CSeller’sUsanceL/CBuyer’sUsanceL/C

OtherTypesofL/CNegotiableL/CRestrictNegotiableL/CFreelyNegotiableL/COtherTypesofL/CConfirmedL/CBoththeIssuingBankandtheConfirmingBankhavethesameprimaryliabilitiesofpayment.OtherTypesofL/CTransferableL/CACreditcanbetransferredonlyifitisexpresslydesignatedas‘transferable’bytheIssuingBank.UnlessotherwisestatedintheCredit,atransferableCreditcanbetransferredonceonly.FractionsofatransferableCredit(notexceedingintheaggregatetheamountoftheCredit)canbetransferredseparately,providedpartialshipments/drawingsarenotprohibited,andtheaggregateofsuchtransferswillbeconsideredasconstitutingonlyonetransferoftheCredit.OtherTypesofL/CBack-to-BackL/C背對(duì)背信用證的結(jié)算中間商和實(shí)際的供貨人原證的結(jié)算實(shí)際進(jìn)口商與中間商OtherTypesofL/CReciprocalL/C國(guó)內(nèi)企業(yè)進(jìn)口料件使用遠(yuǎn)期信用證，暫不生效在遠(yuǎn)期信用證規(guī)定的期限內(nèi)，加工裝配為成品出口時(shí)，國(guó)外進(jìn)口商采用即期信用證付款進(jìn)口商開立即期信用證并被國(guó)內(nèi)企業(yè)接受時(shí)，遠(yuǎn)期信用證生效OtherTypesofL/CRevolvingL/COtherTypesofL/CAnticipatoryL/C(PrepaidL/C)進(jìn)口商對(duì)出口商裝船前的融資全部預(yù)支和部分預(yù)支StandbyL/C開證申請(qǐng)人未履行其義務(wù)時(shí)使用適用的慣例：ISP98《國(guó)際備用證慣例1998》UCP500(UCP600)作用：貨物買賣履約保證、投標(biāo)保證、預(yù)付款保證等L/G&L/CSimilarity:Differences:bankcredit見索即付的L/G：第一責(zé)任有條件的L/G：次要責(zé)任被擔(dān)保人未履約

L/C還款保證履約保證投標(biāo)保證L/G單單相符單證相符第一責(zé)任進(jìn)出口貿(mào)易付款條件付款責(zé)任用途ApplicationofPaymentModesWhatshouldbeconsideredwhenwechoosepaymentm