chapter four collection.ppt

4.2.2 collection application 托收申请P93、94 4.2.3Uniform Rules collection 托收统一规则（FYI） Questions for your consideration  1.What are the types of collection? 2.What are the steps for collection? 3.What are the risks under collection? 4.If you are an exporter/importer, would you be ready to use collection? Import bill advance Trust receipt Delivery of goods against bank guarantee 崔文芳 经济学院金融教研室 Chapter 4 Collection 托收 4.1 Overview of Collection 托收 A quite popular settlement method, seen as a compromise between open account and advance payment a L/C. P83 4.1.1 Definition of Collection 托收的定义 由出口方开立汇票委托出口地银行通过其在国外的分行或代理行向进口方收取货款。P84 The bank is without any obligations to pay. The Nature and Application of collection性质与应用 1.性质(特点） Collection is based on commercial credit. Whether the seller can get paid or not fully depends on the credit of the buyer 商业信用，卖方能否按时收回货款完全取决于买方的资信 2.适用情况：P85 （1）卖方对于买方为保持长久良好合作关系进行付款的意愿和能力没有怀疑（买方的信誉没问题） Buyer’s willingness and ability to pay is of no problem. （2）进口国的政治法律环境稳定 Buyer’s stable environment （3）进口国在进口方面没有限制，如外汇管制。 No restrictions on imports 4.1.2 Parties to Collection 当事人Usually four parties1.Principal委托人/consignor/seller/exporter/drawer/ beneficiary2.Remitting bank: 代收行exporter’s bank3.Collecting bank: 托收行 通常也是提示行Presenting bank4.Drawee付款人/buyer/importer/buyer/payer5.Case of need 代理人 4.1.3 Types of Collection种类P87-90 （1）Clean collecion光票托收：P87-88 small amount lacks security (not popular) （2）Documentary collection 跟单托收:widely used ①D/P付款交单 a: D/P即期 b: D/P远期 ②D/A承兑交单 （3）直接托收 (difficult risky) 4.2.1托收流程Procedures P91/92 付款人 （进口方） （1）约定托收结算 （2）发货备单 委托人 （出口方） 托收行/ 提示行 代收行 （出口方银行） （5）提示汇票单据 （6）付款或承兑 （7）交单　 （4）寄单 （8）将款项汇给托收行 （3）交单委托 (9）交款项给委秅人 4.3 Risk Protection and Financing under Collection 托收的风险防范及融资 4.3.1 Risks Involved P99-100 1. Risks for the exporter出