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ChapterSevenPaymentMainContentRevisionObjectiveGeneralIntroductiontoPaymentTermsofPayment付款條件UrgingEstablishmentofL/C催開(kāi)信用證L/CAmendment&Extension信用證的修改與展期ExercisesObjectives

Uponcompletionofthischapter,thestudentswill:

understandtheflowchartofL/C.beabletourgetheopeningoftherelativeL/C.beabletochecktheL/C.beabletomaketheamendmentbybusinessletterReturnIntroductionThreebasicmethodsofeffectingpaymentsininternationalbusiness:Remittance(匯付)MailTransfer(M/T)(信匯)TelegraphicTransfer(T/T)(電匯)DemandDraft(D/D)(票匯)IntroductionThreebasicmethodsofeffectingpaymentsininternationalbusiness:Collection(托收)collectiononcleanbill(光票托收付)documentarycollection

(跟單托收)IntroductionThreebasicmethodsofeffectingpaymentsininternationalbusiness:documentarycollection(跟單托收)documentsagainstpayment(D/P)付款交單documentsagainstacceptance(D/A)承兌交單IntroductionThreebasicmethodsofeffectingpaymentsininternationalbusiness:LetterofCredit(信用證)RevocableL/C&IrrevocableL/C(可撤銷(xiāo)信用證與不可撤銷(xiāo)信用證)SightCredit/TermCredit(即期信用證與遠(yuǎn)期信用證)L/CanirrevocableL/C1234567891011ReturnEXPORT-IMPORTPROCEDURE

1.

SellerandBuyerconcludeasalescontract,withmethodofpaymentusuallybyletterofcredit(documentarycredit).2.Buyerappliestohisissuingbank,usuallyinBuyer'scountry,forletterofcreditinfavorofSeller(beneficiary).

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3.Issuingbankrequestsanotherbanktoadvise,andusuallytoconfirm,thecredit.4.AdvisingbankforwardsletterofcredittoSellerinformingaboutthetermsandconditionsofcredit.

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5.Ifcredittermsandconditionsconformtosalescontract,Sellerpreparesgoodsanddocumentation,andarrangesdeliveryofgoodstocarrier.

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6.Sellerpresentsdocumentsevidencingtheshipmentanddraft(billofexchange)tonegotiatingbanknamedinthecredit(theadvisingbankusually),oranybankwillingtonegotiateunderthetermsofcredit.ReturnEXPORT-IMPORTPROCEDURE7.Bankexaminesthedocumentsanddraftforcompliancewithcreditterms.Ifcompliedwith,bankwillnegotiate.8.Banksendsthedocumentsanddrafttotheissuingbank.ReturnEXPORT-IMPORTPROCEDURE

9.Bankexaminesthedocumentsanddraftforcompliancewithcreditterms.Ifcompliedwith,Seller'sdraftishonored.10.DocumentsreleasetoBuyerafterpayment.

ReturnEXPORT-IMPORTPROCEDURE11.Buyersurrendersbillofladingtocarrier(incaseofoceanfreight)inexchangeforthegoodsorthedeliveryorder.

ReturnToolsforpayment

billofexchange(draft)匯票

promissorynote本票

check/cheque支票1draftatsight(sightdraft)2draftaftersight(timedraft)3adraftat30day’ssightBillofExchangeReturnPromissoryNoteReturnchequeReturnIntroductionWhenwritingaletterconcerningtermsofpayment，thefollowingstructureisoftenused:1.Putforwardtheproblemoftermsofpayment.2.Presentthedesiredtermsofpaymentandexplainwhythismodeofpaymentispreferredorwhyothertermsofpaymentcannotbeaccepted.3.Closetheletterbyexpressingexpectationsofanearlyreplyorsuggestingfuturebusinessdealings.Specimen1Specimen1DearSirsOurpastpurchasesofElectricalFansfromyouhasbeenpaidasarulebyconfirmed,irrevocableL/C,whichhasindeedcostusagreatdeal.Fromthemomenttoopencredittillthetimeourbuyerspayus,thetie-upofourfundslastsaboutthreemonths.Underthepresentcircumstances,thisquestionisparticularlytaxingowingtothetightmoneyconditionandunprecedentedlyhighbankinterests.Ifyouwouldkindlymakeeasierpaymentterms,wearesurethatsuchanaccommodationwouldbeconducivetoencouragingbusinessbetweenus.Weproposeeither“cashagainstDocumentsonArrivalofGoods”Yourkindnessingivingprioritytotheconsiderationoftheaboverequestandgivingusanearlyfavorablereplywillbehighlyappreciated.Yoursfaithfully,L/C常用搭配PleaseopenanL/CcoveringtwentymetrictonsofapplesfortheamountofUSD20,000.WeopenedanL/Cinyourfavor

throughtheCitiBankthismorning.

請(qǐng)開(kāi)立一個(gè)20公噸蘋(píng)果的信用證，金額為2萬(wàn)美元。今早，我們經(jīng)由花旗銀行開(kāi)立了一個(gè)以你方為受益人的信用證。L/C常用搭配TodaywehaveopenedanirrevocableL/CinyourfavorfortheamountofUS$9000coveringourOrderNo.3422withtheBankofChina,Dalian.我們今天通過(guò)中國(guó)人民銀行大連分行就第3422號(hào)定單開(kāi)立了以你方為受益人的不可撤消的信用證，金額為9千美元。

L/C常用搭配今天，我方收到由美國(guó)花旗銀行開(kāi)出的以你方為付款人的金額為3500美元的信用證。

WereceivedanL/CforUSD3,500foryouraccountbytheCitiBankthismorning.ReturnIntroductionWhenshallL/Cbeopened:Itistheusualpracticethattheletterofcreditistobeopenedandtoreachthesellers30daysaheadofshipmentsoastogivethesellerenoughtimetomakepreparationforshipment,suchasmakingthegoodsreadyandbookingshippingspace.Forpromptshipment,itisadvisablethattheletterofcreditbeissuedingoodtime.IntroductionPrinciplesofwritinglettersurgingestablishmentofL/C: NosuggestionofannoyanceisallowedtobeshownintheletterurgingestablishmentofL/C.Itisnotadvisable,exceptunderspecialconditions,tostartofftoostronglybyblamingthebuyerfornotexecutingthecontract.Thefirstmessagesentshouldthereforebeapolitenotesayingthatthegoodsorderedarereadybuttherelevantletterofcredithasnotyetbereceived.Ifthefirstmessagebringsnoreply,asecondonewillbesent.Thisone,thoughstillrestrained,willexpressdisappointmentandsurprise.IntroductionThefollowingstructureisforyourreferenceinwritingaletterurgingestablishmentofL/C:Opentheletterinapositiveway.Forexample,inthefirstparagraphthesellerusuallyinformsthebuyerthatthegoodsarereadyfordispatchorthattheshippingspacehasalreadybeenbooked.

PolitelypushthebuyerstoopentheL/Cwithoutdelay,eitherbyreferringtothestipulationsofthecontractorbyremindingthebuyersoftheseriousnessofnotopeningtheL/Cintime.3. Expressexpectationsandaskthebuyerstotakeimmediateaction.Specimen2Specimen2DearSirs,Re:OurSalesContractNo.C234Referringtothe5,000tonsofRedBeansunderourS/CNo.C234,wewishtodrawyourattentiontothefactthatthedateofdeliveryisapproaching,butwestillhavenotreceivedyourcoveringLetterofCredituptodate.PleasedotryyourbesttoexpeditetheL/C,sothatwemayexecutetheordersmoothly.Wehopetoreceiveyourfavorablenewssoon.Yoursfaithfully,ReturnIntroductionWhydoestheexporterhavetoamendtheL/C:ItisessentialfortheexportertodosobecauseaminordifferencebetweentheclausesoftheL/Candthetermsstipulatedinthesalescontractorsalesconfirmation,ifnotdiscoveredordulyamended,maycausethesellermuchinconveniencebecausethenegotiatingbankwillrefusetomakethepayment.IntroductionInwhatcasesextensionoftheL/Cisnecessary: Therearetimeswhentheexporterfailstogetthegoodsreadyfortheshipmentintimeortheimporterrequeststhatshipmentbepostponedforonereasonoranother.Undersuchcircumstances,theexporterwillhavetoaskforextensionoftheexpirydateaswellasthedateofshipmentoftheL/C.

ApplicantBeneficiary(buyer)(seller)IssuingBankAdvisingBank

(1)(2)(3)(4)①Requestamendment②Orderamendment③Amendmentnotification④AmendmentnotificationIntroductionThefollowingstructureisforyourreferenceinwritingaletteraskingforL/Camendmentorextension:1.AcknowledgereceiptoftheL/Candthankthebuyerforopeningit.2. Pointouttheproblempolitelyandaskthebuyertomaketheamendmentaccordingly.Usually, detailedandcourteousexplanationsforsucharequestshouldbeprovided.

3. Endtheletterinawaythatencouragesthe buyertotakeimmediateaction.

Specimen3Specimen3DearSirs,WehavereceivedyourL/CNo.3639issuedbytheCharteredBank,Londonfortheamountof$12345covering15,000dozenStretchNylonSocks.Onperusal,wefindthattransshipmentandpartialshipmentarenotallowed.Asdirectsteamerstoyourportarefewandfarbetween,wehavetoshipviaHongKongmoreoftenthannot.Astopartialshipment,itwouldbehelpfultomutualbenefitsbecausewecouldsipimmediatelywhateverwehaveonhandinsteadofwaitingforthewholelottobecompleted.Therefore,weareemailingthisafternoon,askingyoutoamendtheL/Ctoread“Partshipmentandtransshipmentallowed”.Weshallappreciateitverymuch.Andwehopeyouwillseetoitthatamendmentisfaxedwithoutdelay,asourgoodshavebeenpackedreadyforshipmentforquitesometime.Yoursfaithfully,ReturnExercise1.

A4%discountwillbegrantedonly______yourorderexceedsUS$20000.()A.dependsonB.forconditionthat

C.onconditionthatD.subjectto2.

Anexportercannotreceivepaymentuntilthegoodsonconsignment______sometimeinthefuture.()A.

haveofferedforsaleB.arequotedC.

arriveatdestinationD.havebeensoldCDExercise3.

Wehavemade______thatwewouldacceptD/Aat60days’sightforthisorder.()A.clearB.itisclearC.thatclearD.itclear4.

Wefindyourterms______andnowsendyouourorderfor2setsofgenerators.()A.satisfiedB.satisfactionC.satisfactoryD.ofsatisfactionDCExercise5.Weregret______toacceptyourtermsofpaymentandthereforehavetoreturntheordertoyou.()A.cannotB.beingunableC.notableD.notbeable6.Wewillconsider______yourtermsofpayment.

()A.acceptB.acceptingC.acceptedD.toacceptBBExercise7.

Wearenow______ofyourorderofJune19.()A.inreceiptofB.uponreceiptofC.onreceiptofD.inreceptionof8.Wearepleasedtoinformyouthatwecansupply______alltheitemsyourequire.()A.youB.toyouC.foryouD.youwithADExercise9.Toourregret,yourL/Cwasfoundnotproperly_____onthefollowingpointsinspiteofourrequest.()A.amendB.toamendC.amendingD.amended10.WehopethatthestipulationsofyourL/Carein______withthetermsofthecontract.()A.conformityB.conformC.conformabilityD.comfort11.WehavereceivedyourL/C_____theBankofChina.()A.openedwithB.openedinC.openedthroughD.openedatDACExercise12.PleaseamendyourL/CNo.1162______transshipmentandpartialshipment.()A.allowB.toallowC.allowingD.asallow13.Wesuggestthatyou_______thecoveringletterofcreditwithouttheleastpossibledelay.()A.willopenB.shallopenC.openD.canopen14.

Youshouldberesponsibleforallthelosses