Unit-9-Payment-and-LC-支付与信用证课件.ppt

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1、外贸英文函电,Chapter 9 Payment and L/C,外贸英文函电Chapter 9 Payment a,Objectives,Upon completion of this chapter, the students will: understand the flow chart of L/C. be able to urge the opening of the relative L/C. be able to check the L/C. be able to make the amendment by business letter,Return,Objectives Up

2、on completion o,Lead in,In international trade, payment is very complicated. The sellers and buyers run certain risks of non-payment or non-delivery. Who can be entrusted (委托）to make guarantee? the bank,Lead inIn international trade,Lead in,Payment instruments in our daily life: cash card (刷卡） credi

3、t (赊账）* cheque (支票）,Lead inPayment instruments in,Lead in,Payment instruments in international trade:Cheque 支票 (seldom used ) Promissory notes 本票Bills of exchange / draft 汇票 (the most popular),Lead inPayment instruments in,Cheque 支票,R,Cheque 支票R,Promissory Note 本票,R,Promissory Note 本票R,Bill of Excha

4、nge 汇票,R,Bill of Exchange 汇票R,Lead in,What are the major modes of payment in international trade ? L/C 信用证 Collection 托收 Remittance 汇款,Lead inWhat are the major mode,Introduction,A). Remittance 汇款 Mail Transfer M/T 信汇 Telegraphic Transfer T/T 电汇 demand draft D/D 票汇B). Collection 托收 Documents against

5、 payment D/P 付款交单 Documents against Acceptance D/A 承兑交单,IntroductionA). Remittance 汇,Introduction,C). Letter of Credit L/C 信用证 Irrevocable L/C 不可撤销信用证 Confirmed L/C 保兑信用证 Divisible L/C 可分割信用证 Transferable L/C 可转让信用证 Sight L/C 即期信用证 Time /Usance L/C 远期信用证 Anticipatory L/C 预支信用证 Revolving L/C 循环信用证 Cl

6、ean L/C 光票信用证 Documentary L/C 跟单信用证 Back-to-back L/C 转开信用证 Standby L/ C 备用信用证Confirmed, irrevocable documentary L/C is the most popular for the seller,IntroductionC). Letter of Cred,汇款(Remittance)是指进口人按约定的条件和时间将货款通过银行付给出口人的支付方式。 买卖双方能否履行合同，完全取决于彼此的信用, 并不涉及银行的信用，因此它纯属商业信用,汇款(Remittance)是指进口人按约定的条件和时间

7、将货,信汇是进口人将汇款及手续费交付给汇款地的一家银行(汇出行)，委托该银行利用信件转托受款人所在地的银行(汇入行)，将货款付给出口人。电汇是指进口人将汇款及手续费付给当地一家银行(汇出行)，要求该银行用电传或电报通知其国外受款人所在地的分支行 (汇入行)将汇款付给出口人。 票汇是进口人向其当地银行(汇出行)购买银行即期汇票，并直接寄给出口人，出口人收到该汇票即可凭以向指定的付款银行取款。,信汇是进口人将汇款及手续费交付给汇款地的一家银行(汇出行)，,D/P 付款交单, 即进口方付款后，出口方才向银行提交单据，进口方才能向代收银行领取单据。D / A 承兑交单，所谓“承兑”就是进口方在代收银行

8、提示远期汇票时，对汇票的认可行为，进口方于汇票到期日凭票付款，出口方才向银行提交单据。Which is better? (D / P is better than D / A,D/P 付款交单, 即进口方付款后，出口方才向银行提交单据，,Which mode of payment is the safest and the most reliable for the interest of seller? And why? The L/CComparison of modes of payment,Which mode of payment is the s,Comparison of mod

9、es of payment,在汇款和托收付款方式中，银行职能只做托收和汇付的工作，对进口商不付货款不予负责；纯属双方公司的商业信用，所以相对来说，冒有一定风险 而在信用证的情况下，负付款责任的是开证行, 只要所提供的单据与信用证的规定完全相符，即使是买方倒闭，货价下跌，银行都得付款.就卖方的利益来说，信用证（L/C）比付款交单（D/P）好，D/P at sight 比D/P after sight 好，而付款交单（D/P）又比承兑交单（D/A)好。在国际贸易中，只在进口商财务状况良好，或过去一系列业务中进口商付款可靠，从而取得出口商信任，才可以接受托收的支付方式。,Comparison of

10、modes of payment,Introduction,What is L/C? (谁委托谁，干什么）The credit is a letter issued by a bank at the request of the importer in which the bank promises the seller to pay买卖双方互不信任，就由比较权威的银行出面，做居中担保人。按照进口商的要求银行向出口商开出一份承诺付款的担保性的文件 国际贸易最常用的支付方法是L/C, 这是一种可靠又安全的支付方式便于卖方与陌生的买方进行交易，并对买卖双方都有保障。 The buyer is th

11、e Applicant for opening (applicant 开证申请方). The bank who established the L/C is Issuing Bank (Opening Bank开证行).,IntroductionWhat is L/C? (谁委托谁,Introduction,Parties of L/CApplicant 开证申请人 (买方）Issuing Bank 开证行 （买方委托开立信用证的银行）Advising Bank 通知行 （卖方指定的通知信用 证已到的银行）Beneficiary 受益人（卖方）Negotiating Bank 议付行 （卖方交

12、单的银行，银行将单据审核之后把单据寄到国外银行请求付款，有时与通知行是同一银行 ）Paying Bank 付款行 （信用证的开证行） Confirming Bank 保兑行 （与通知行是同一银行）,IntroductionParties of L/C, send Contract Apply to open credit Send Credit Credit advice/notification 信用证通知,Procedure of L/C 开证程序, send ContractProcedure of L/,开证的程序始于买方，他通知他的往来银行开立以卖方为受益人的信用证，并以购货的金额为

13、该信用证金额。买方的往来银行（开证行）把信用证寄给他在卖方国家的往来银行，告知信用证金额、受益人为谁、所使用的货币、必备单证以及其他特定要求。信用证到达后，该往来行通知卖方，该信用证已收到。有时，卖方要求保兑信用证，在这种情况下，该往来行通常自己保兑，成为保兑行，并把由他保兑的情况通知卖方，卖方是按信用证所列要求发货。Cash against delivery,开证的程序始于买方，他通知他的往来银行开立以卖方为受益人的信,Unit-9-Payment-and-LC-支付与信用证课件,脑筋急转弯,只有三根头发为什么还要拔掉一根？(宴会要求穿正装,梳中分头)什么情况下，每个人都会主动地发挥赴汤蹈火

14、精神？ (吃火锅的时候)便秘的前因 (打一个外国明星名字) ? (史泰龙-屎太浓),脑筋急转弯只有三根头发为什么还要拔掉一根？,Sample letter 1 on P157,1. What is referred to at the beginning of the letter? 2.Whats the purpose of the letter?3. What s the past payment terms? Why did the buyer ask to change it? 4. What request did the buyer make to the seller?5. W

15、hat expectation did the buyer make in the end?,Sample letter 1 on P1571. What,Structure of the letter:,Referring to the sales confirmationPurpose - To propose an easier payment arrangementReason for changing payment termsRequest - agree to pay it by either C/D or D / PExpectation - Consideration of

16、the request, early reply,Structure of the letter:,Sample letter 3 on P159,1. What should be referred to first in the letter ? 2. Whats the purpose of this letter? 3. What request did the seller make 4. What expectation did the seller make in the end?,Sample letter 3 on P1591. What,Structure of the l

17、etter,Referring to the goods and delivery datePurpose - Ask the buyer to speed up the opening of the L/CRequest- Please see to it that the L/C stipulations are in exact accordance with the terms of the contractExpectation- favorable news,Structure of the letter,Sample letter 6 on P162,1. What is rec

18、eived ?2. What problem is found in the L/C?3. What request did the seller make? And why?4. What expectation did the seller make?,Sample letter 6 on P1621. What,Structure of the order,Receipt of. ( L/C issued by.for the amount of.covering.)Request and reason - (amend the L/C to read.)Expectation. (am

19、endment without delay ),Structure of the orderReceipt,Sample letter 7 on P163 :,Reading questions: 1. What is received?2. What regret did the seller have? And why?3. What request did the seller make?4. What expectation did the seller make?,Sample letter 7 on P163 :Readi,Structure of the letter:,Rece

20、ipt of.Regret and reason. (cant ship the goods by the end of July because of the delay of your L/C)Request- extend the shipping date and credit validity for one monthExpectation . reply,Structure of the letter: Recei,Useful Expressions,句型一 Ask for easier terms of payment)Referring to your S/C Number

21、forin the amount of, we suggest that you adopt we propose either.or. we would appreciate it if you agree to. 套用句型中译英：1. 关于你方345号销售确认书销售软钢板，总金额为100000美元，我方建议贵方采纳T/T . / 我方提议要么采用货到后凭单付现要么采用付款交单2. 关于你方123号销售合同销售印花棉，总金额为1000美元，若贵方同意D/D，我们将非常感激。,Useful Expressions句型一 Ask for,句型二 How to express the reason

22、 for easier paymentConfirmed, irrevocable L/C has cost us a great deal. From the time credit is opened until the time our buyers pay us, the tie-up of our funds lasts about months. This situation is particularly taxing owing to the tight money conditions and unprecedentedly high bank interest rate.中

23、译英：,句型二 How to express the reason,句型三： How to express urging establishment of L/C and the reason,产品With reference to .under our S/C No., we wish to remind you that the date of delivery is approaching, but we still have not received your covering L/C. Please expedite the opening / establishment of th

24、e L/C so that we can ship the order in time. execute the order smoothly中译英：关于我方234号销售合同下的4000吨软钢板，我方想提醒贵方交货期临近，但是我们依然没有收到你方相关信用证。请加快开立信用证以便我方及时发货 / 顺利执行订单,句型三： How to express urging est,句型四 How to express asking for the amendment of L/C and the reason,We have received your L/C No., we find that Plea

25、se amend the L/C to read “.” , as direct steamers to your port are not available / are few and far between. We often have to ship via Hongkong. It would be to mutual benefit to use partial shipment because we could ship immediately whatever we have on hand instead of waiting for the whole lot to be

26、completed.中译英：我方已收到你方234号信用证，我们发现“不允许转运和分批装运”，请修改信用证为“允许转运和分批装运”。因为。,句型四 How to express asking for,句型五： How to express asking for the extension of L/C and the reason.,We regret that we could not ship the goods by the end ofbecause of the delay of your L/C. We would ask that you extend the shipping d

27、ate and credit validity for / until . Respectively中译英：很遗憾我方不能在十月底之前发货因为你方延误开立信用证， 我方请求贵方将船期和信用证有效期分别延期一个月/分别延期至十一月底,句型五： How to express asking fo,三字循环游戏，真有趣。看谁最有才。,做人难，人难做，难做人。读死书，死读书，读书死 。大头鬼，大鬼头，鬼头大放狗屁，放屁狗，狗放屁。没有钱，钱没有，有钱没？我爱你，你爱我，爱你我。不怕辣，辣不怕，怕不辣。,三字循环游戏，真有趣。看谁最有才。 做人难，人难做，难做人。,求婚也幽默最佳露骨奖：让我们合法地结合吧

28、！ 最佳好奇奖：我不知道人类为什么得结婚？！不如让我们一起研究看看吧！ 最佳直接奖：让我葬在你们家祖坟吧！ 最佳直销奖：你愿不愿意带我回家当你的生活必需品？ 最佳柔情奖：喜欢，就是淡淡的爱。爱，就是深深的喜欢。我希望以后可以不用送你回家，而是我们一起回我们的家。 最佳变态奖：哦，看你骂我时，似乎有很大的快感！如果你想天天享受这种感觉，就嫁给我吧！,求婚也幽默,最佳特技奖：你愿意嫁给我吗？如果愿意请站着举高双手，如果不愿意，请站着举高双腿。 最佳cool man奖：我欠一个人管我。 最佳信徒奖：你想这辈子嫁给我还是下辈子呢？ 最佳创意奖：什么时候才要把我娶回家？我房间的东西都快全搬到你家去了.

29、最佳保健奖：今年你再不娶我，明年我就开始有恐婚症喽！ 最佳告解奖：请你终结我的桃花运吧！ 最佳战俘奖：求饶，我投降了！只要你天天给我口饭吃。 最佳影迷奖：甜心，帮我签个名吧。(签在户口簿的配偶栏),最佳特技奖：你愿意嫁给我吗？如果愿意请站着举高双手，如果不愿,作文写一篇关于爱情的文章,要求：1、语言简洁 2、故事必须以悲剧结尾3、不限字数内容： 嫁给我好吗？ “滚！,作文写一篇关于爱情的文章要求：,笑话,1.小子，你是姐姐我的人了，今儿就跟我去挂个 牌吧！ 2.我们分手吧！男：（坚决反对）女：不答 应分手？那好，我们离婚！男：（弱 弱地说，我们还没有结婚呢！）女：那好，咱 们先把结婚手续办一下

30、吧！ 3.听说现在结婚很便宜，民政局9块钱搞定，我请 你吧！,笑话 1.小子，你是姐姐我的人了，今儿就跟我去挂个,cash n. 现金,Cash against Documents (C/D) 凭单证付款Cash against Delivery 货到付款,cash n. 现金Cash against Docum,L/C 常用搭配,L/C,covering/regardingfor / in the amount ofin favor offor one accountwith/through,+goods+ amount+beneficiary以某方为付款人+ issuing bank,L/

31、C 常用搭配L/Ccovering/regarding+,L/C 常用搭配,Please open an L/C covering twenty metric tons of apples for the amount of USD 20,000. We opened an L/C in your favor through the Citi Bank this morning.,请开立20公吨苹果的信用证，金 额为2万美元。,今早，我们经由花旗银行开立了一个以你方为受益人的信用证。,L/C 常用搭配Please open an L/C cov,L/C 常用搭配,Today we have o

32、pened an irrevocable L/C in your favor for the amount of US$ 9000 covering our Order No.3422 with the Bank of China, Dalian.,我们今天通过中国银行大连分行就第3422号定单开立了以你方为受益人的不可撤消信用证，金额为9千美元。,L/C 常用搭配Today we have opened a,L/C 常用搭配,今天，我方收到由美国花旗银行开出的以你方为付款人的金额为3500美元的信用证。,We received an L/C for the amount of USD 3,5

33、00 for your account with/through the Citi Bank this morning.,Return,L/C 常用搭配今天，我方收到由美国花旗银行开出的以你方为付,Choice of Terms of Payment,1) payment by L/C 用信用证付款We adopt payment by L/C. 我们采用信用证付款方式。2) payment under terms 按方式付款We regret that we are unable to consider payment under D/A terms.很遗憾我们不能考虑按承兑交单方式付款。,

34、Choice of Terms of Payment1) p,Choice of Terms of Payment,3) payment onbasis 按方式付款We are prepared to accept payment for your trial order on D/P basis.对你方这批试订购的货物，我们准备接受付款交单方式付款。 4) make an exception to accept破例接受In view of our long business relation, we will make an exception to accept L/C at 30 day

35、s (after) sight.,Choice of Terms of Payment3),Choice of Terms of Payment,5)as a special accommodation，we agree to.作为特殊照顾, 我们同意。As a special accommodation, we agree to your proposal and accept payment by D/P at sight作为特殊照顾，我们同意你方建议接受即期付款交单。,Choice of Terms of Payment5)as,Key to I on P164,（9）由于你方第123号

36、订单下的货物已备妥有相当长的时间，所有你方有必要立即采取行动，尽快开出有关信用证(11)按照贵方要求，我们破例地接受即期付款交单的支付方式，但下不为例。(12)抱歉，我方不能接受货到后凭单付现的支付条件。(13)我方想重申一下，只是鉴于我们之间长期友好的贸易关系，我方才给贵方这样的宽限。(14)信用证中的规定似乎与合同的条款不一致。我方特此于今天下午电告你方，要求将信用证修改为：允许转运和分批装运,Key to I on P164（9）由于你方第123号订单,Key to II on P166,(1)expedite/rush an L/C(2) D/A(3) confirmed, irrev

37、ocable, transferable Letter of Credit(4) amend the L/C to read “”(5) D/P after sight (6) establish/issue/open L/C with/through a bank (7) advise the establishment of L/C (8)conform to,Key to II on P166(1)expedite/,(9)Please try to expedite L/C, so that we may execute the order smoothly. (10)In order

38、 to avoid subsequent amendment, please see to it that the L/C stipulations are in exact accordance with the terms of the contract.(11)We will be appreciated if you will cable the amendment to the L/C without delay, as our goods have been ready for shipment for quite some time.(14) Our terms of payme

39、nt are by confirmed, irrevocable L/C at sight(15) We enclose an application form for documentary L/C. Please establish an irrevocable L/C for the amount of US $40000 in favour of ABC Co.It is valid until June 15,(9)Please try to expedite L/,III on P167,Dear Sir,With reference to the 2000 sets of air

40、 conditioners under your order No.899, we wish to remind you that the date of delivery is approaching, but we still have not received your covering L/C. Please expedite the opening / establishment of the L/C so that we can execute the order in time.In order to avoid subsequent amendments, please see

41、 to it that the L/C stipulations are in exact accordance with the terms of the contract.We hope to receive your favorable news soon,III on P167Dear Sir,1.We assure you that any further ordersfrom you will _ our prompt attention. A. be taken B .have C .accept D .be received 2.We have just received yo

42、ur E-mail of Mar.28 covering the _tinfoil sheets(锡箔纸) . A. caption B .captioning C .captioned D .captain3. We will do our utmost _the same mistake again.A .to avoid B .having avoided making C. to avoid to make D .have avoided to make,Consolidation -Urging,B,C,A,1.We assure you that any furth,4._prom

43、ate business between us , we are airmailing you our sample cuttings for your inspection.A .So as to B .In order to C .As for D. As regards5.To avoid subsequent amendment ,please see that the stipulations in the relative L/C _in strict Conformity _the terms in our S/C .A. should be , to B. be ,with C

44、 .are ,with D .is ,to,B,C,C,4._promate business betwe,6.With regard _Contract No.128, we are agreeable _D/P terms of payment.A .to ,for B .to, to C .in ,to D .for, for 7. We would call your attention _we have not received the amount of USDI1, 800_the 20% of freight due .A . for that, for B. to that,

45、 to C. for the fact that to D. to the fact that, for 8. You_ _to send payment by 18, August at the latest.A. are requested B. request C .are requesting D .requesting us,B,B,D,D,A,6.With regard _Contract No,9. The clause is _approval by relevant authorities. A. subject to B . subjected to C .subjects

46、 to D .subjecting to 10._there has been no official confirmation of this incident.A. Too far B. As for C. So for D. By far,A,C,9. The clause is _approva,Consolidation,Translate the following letter into English:先生： 关于我方第005号售货确认书项下150 公吨化肥，我方已按合同如期备妥，交货期日益临近。我们不知你们是否对第一批75 公吨.5/6月份装运的货物已经开出有关信用证？请尽快

47、开证，以便我方顺利势执行这项订单。 为避免随后修改信用证，务请注意信用证规定条款严格与合同相符。 如蒙速复，不胜感激。 此致 敬礼20年4月20日,ConsolidationTranslate the fol,April 20th,20.Dear Sirs,With regard to 150 metric tons of chemical fertilizers under S/C No.005, we have got the goods ready for shipment on schedule as contracted. As the date of shipment is dra

48、wing near, we wonder whether you have opened the relevant L/C for the first 75 M/T for shipment during May/June.,April 20th,20.,Please open the L/C as soon as possible so as to enable us to execute your order smoothly.In order to avoid subsequent L/C amendment, please see to it that the L/C stipulat

49、ions are in exact accordance with the contract terms.Your prompt reply will be appreciated.Yours faithfully,Please open the L/C as soon as,1.Please have your L/C No.092 amended _our S/C SD601, inserting “5% more or less” _the quantity and amount.A. to, on B. against, into C. against, after D. for, t

50、o2.On perusal of your L/C No.700, we find the name of goods does not_ the contract, and should beamended_”Art.no.505”.A. agree to, to B. agree with, to readC. agree on, reading D. agree for, to read3.Please delete ” shipped in one lot ” and _ the wording “partial shipments and transshipment allowed”