chapter 5--国际支付和结算.ppt

Chapter Five 框架内容重点 International Payment and Settlement 1.1 main instruments (主要支付工具) 1.2 main methods (主要支付方式) 1.1 main instruments(主要支付工具) Draft/Bill of Exchange/Postal Order 汇票 Promissory Note 本票 Check/Cheque 支票 1）Draft 汇票 Draft is an unconditional order, signed by the drawer(出票人), requiring the payer(付款人) to pay a sum of money on demand(见票即付;即期) or at a fixed future time to the payee(收款人) or the bearer(持票人) of the draft. 汇票，出票人签发的，委托付款人在见票时或在指定日期无条件支付确定金额给收款人或持票人的票据。 Most international transactions are paid for by drafts. 汇票在国际贸易中应用的最为广泛。 1）Draft 汇票 Drawer(出票人) is the person who draws the bill and is usually the exporter in import and export trade. 出票人，即签发汇票的人，在进出口业务中通常为出口商。 Drawee/Payer(收票人) is the person who pays the money and is usually the importer or the nominated bank. 收票人，即汇票的付款人，在进出口业务中通常为进口商或指定的银行。 Payee(收款人) is the person receiving the payment, usually the exporter himself or his nominated bank. 收款人，即收到货款的人，通常是出口商本人或其指定银行。 1）Draft 汇票 The payee(收款人) and the drawer(出票人) are generally but not necessarily the same person, as the drawer can instruct the drawee either to pay “to the order of ourselves” or to the order of someone else, for instance, the bank. 通常来说，出票人和收款人是同一人，但有时也并非同一人。因为出票人可以指示收票人付款给“我方的汇票”或他方的汇票，比如银行。 1）Draft 汇票 A sight draft(即期汇票), also called a tenor draft, calls for an immediate payment by the drawee. 即期汇票要求收票人收到汇票后立即付款。 A usance draft(远期汇票), also called a term draft, is payable at a later date, e.g. 30, 45, 60 or 90 days after sight or date. 远期汇票是在见票后一定期限内付款，如30天、45天、60天或90天。 (usance [ ju:z?ns] n. 票据期限,惯例付款期 ) 1）Draft 汇票 A draft is either clean (without documents) or documentary. In the latter case, the draft is accompanied by the relevant documents such as the bill of lading(提货单), the invoice(发票), the insurance policy(保险单), etc. （lade vt. vi. 装载;装(船)） 汇票可以是光票(不附带单据)，也可以是跟单汇票。跟单汇票要求附加相关的单据，如提货单、发票、保险单等等。 1）Draft 汇票 Bill of lading(B/L) (提货单/提单): is the document to prove the carriage of