Unit 5 Terms of Payment.ppt

Unit 5 Terms of Payment Overview Terms of payment means the way or method of making payment. Methods of Int’l Payment 国际支付结算方式 Methods of Int’l Payment Remittance 汇款 Collection 托收 Clean Collection 光票托收 Documentary Collection跟单托收 D/A D/P L/C 信用证 汇付是通过进出口商双方所在地银行的汇兑业务进行结算，即由汇款人将货款交所在地银行，由该银行委托收款人在所在地银行转交给收款人。 无论哪种汇付方式，货运单据都是由出口人自行寄给进口人，银行并不经手。 Draft Draft is a written, dated, and signed three-party instrument containing an unconditional order by a drawer(出票人） that directs a drawee（受票人/付款人） to pay a definite sum of money to a payee（受款人） on demand or at a specified future date. Also known as a Bill of Exchange.是出票人签发的，委托付款人在见票时或者在将来可以确定的时间或固定时间无条件支付确定的金额给持票人的票据。 Types of Draft According to the date of payment, draft can be classified: Draft at sight (即期汇票) Draft after sight (远期汇票) Collection 托收 It means the handling of documents by banks in accordance with instructions received, in order to托收指银行根据所收到的指示， 处理金融单据或商业单据， 以求: Obtain payment or acceptance 获得付款及/或承兑 Deliver documents against payment or against acceptance 凭付款及/或承兑交单。 托收指出口方委托银行通过其往来银行凭一定的单据向进口方收取交易款项的商业信用支付方式。 Types of Collection 1. Clean Collection光票托收 It means collection of financial documents not accompanied by commercial documents.指不附带商业单据（发票，提单等）的金融单据（汇票，支票）的托收。 Mainly used for small amount transaction, advance payment（预付款）, installment payment（分期付款）, etc. 2. Documentary Collection 跟单托收--银行受出口商委托，凭汇票、和发票、提单、保险单等商业单据向进口商收取货款的结算方式，卖方以买方为付款人开立汇票，委托银行代其向买方收取货款。 Types of Collection Documents Against Payment, D/P 付款交单 The collecting bank may release the documents only against immediate payment. It can be classified into D/P At Sight and D/P After Sight. 出口商的交单是以进口商的付款为条件。指出口商将汇票连同商业单据委托银行代收款项时，指示银行只有在进口商付清款项后才能将商业单据交给进口商。又可分为即期和远期付款交单。 Types of Collection Documents Against Acceptance, D/A承兑交单) The collecting bank may release the documents against the buyer’s acceptance of a draft, for instance, drawn payable 60~80 days after sight or due on a definite date. After acceptance, the buyer(importer) ga