金融英語聽說U6-

金融英語聽說U6_金融英語聽說U6_金融英語聽說U6_資料僅供參考文件編號：2022年4月金融英語聽說U6_版本號：A修改號：1頁次：1.0審核：批準:發(fā)布日期：Unit6ShortDialoguesMultipleChoiceDialog1W:Morning,sir!WhatcanIdoforyou?M:Wouldyoutellmeaboutthedocumentsneededforthedocumentarycollectionbusiness?W:Allright.Thedocumentsneededforcollectionarethebilloflading,certificateofinspection,certificateofinsurance,andasightdraftforD/PandausancedraftforD/A.M:Whatshouldbestatedinabilloflading?W:Manyitems,ofcourse.Forexample,unitpriceandamountofgoods,portsofloadinganddestination,priceandpaymentterms,latestshipmentdateandvalidityoftheL/C,thenameandaddressoftheshipperandcarrier.Andinthespaceofconsignee,youshouldwritethewords“ToOrder”insteadoftheimporter’sname.Question:WhichofthefollowingisNOTmentionedasthedocumentsneededforthecollectionbusiness(C)譯文女：早上好！先生。需要我們?yōu)槟鲂┦裁磫?/p>

男：你可以給我講講托收需要哪些單據嗎

女：好。托收需要的單據有提單、檢驗證明、保險證明，如果是付款交單要有即期匯票，如果是承兌交單要有遠期匯票。男：提單上應該寫些什么呢？

女：當然有許多項目。例如，貨物的單價和數量，裝運碼頭和目的地、價格和付款條件、最遲裝運日期和信用證的有效期、托運人和承運人的姓名和地址等。而且在收貨人一欄，你應該填寫“ToOrder(憑指示交貨)”的字樣，而不是進口商的姓名。Dialog2M:Hello,Madam!I’vecheckedtheletterofcredityouadvisedyesterday.Well,I’vefoundthatsometermsandconditionsdonotmatchtheclausesofthesalescontract.Iwanttoordertheissuingbanktomakesomeamendment.Couldyouhelpme,please?W:Noproblem,sir.ButIdon’tthinkyouhavetherighttogiveanyordertotheissuingbank.You’dbetterinformtheapplicantofthematterandnegotiatewithhim,requiringhimtogiveinstructionstohisbanktoamendthecredit.M:Allright.Thankyou.I’llcallhimrightaway.Question:Whataretheytalkingabout

(B)

譯文男：您好，女士。我已經檢查了你們昨天通知我的信用證。嗯，我覺得有些條款與銷售合約的條款不相符。我打算指示開證行進行修改。您能幫助我嗎

女：沒問題，先生。但我認為您沒有權利對開證行作任何指示。您最好把有關問題通知開證申請人，與他協(xié)商，要求他指示他的銀行修改信用證。男：好。謝謝。我馬上給他電話。Dialog3W:Hello,SmithLawOffice.M:Hello,Madam!Iwanttohavesomeadvicefromyou.I’vegotthenoticeofdishonorfrommyremittingbank.WhatshouldIdoifIwanttosuethedraweeforthedishonor?W:Well,youcanrequirethepresentingbanktoprotestthebill.AnotarypublictherewillhelpyouandissueaDeedofProtest.Itwillstatethereasonofdishonorandprovidelegalevidenceofdishonoracceptabletoacourtoflaw.Question:Whatcanwelearnfromtheconversation

(A)

譯文女：您好，史密斯律師事務所。男：您好，女士。我希望得到您的建議。我收到托收行給我轉來的拒付通知書。假如我要起訴受票人拒付，應該怎么辦

女：是這樣，您可以要求提示行把票據做成拒付證書。那里的公證人會幫助您開立一份拒付證書。拒付證書會注明拒付的原因，提供符合法律要求的且法庭可以接受的拒付證明。Dialog4M:Excuseme,Madam.WouldyoupleasetellmehowtosendanL/CtomysupplierinaforeigncountryafterIapplyforit?

W:Inbankingpractice,theissuingbankwillsendtheL/Ctoitscorrespondentbankinthecountryofyoursupplier.ThecorrespondentbankwillberequiredtoadvisetheL/Ctothenamedbeneficiary.Youknow,thebankiscalledtheadvisingbank.M:IseethattheL/Cisnotsentthroughthepostoffice.Question:WhowillberesponsiblefortheadviceoftheL/Ctothebeneficiary

(C)

譯文男：您好，女士。麻煩您告訴我怎么把我申請的信用證寄送給外國的供貨商，好嗎

女：按銀行慣例，開證行會把信用證寄送給供貨商所在國的代理行。開證行會要求代理行把信用證通知給受益人。您知道，代理行又叫做通知行。男：我懂了，信用證不是經過郵局送遞的。ShortAnswerQuestionsScripts&AnswersDialog1W:Excuseme,sir.Pleaseinsertthecompleteaddressandfullnameofthedraweeinthespacehere.M:OK.Thankyou.Isitallright?W:Exactlycorrect,sir.Wouldyoupleasestateherethewayofsendingthenoticeofdishonorintheeventofnon-paymentornon-acceptanceWhichwouldyouprefer,bycableorbymail?M:Eitherbyemailorbyfax,Ithink.WhoonearthsendsmessagesbymailnowHereismyemailaddressandfaxnumber.Question:Whatdoyouthinkthebankwillsendtothemanbyemailorbyfaxaccordingtotheconversation?Thenoticeofdishonor.譯文女：不好意思，先生。請在這里填寫受票人的地址和姓名的全稱。男：好。謝謝您。這樣對嗎

女：完全正確，先生。請您在這里注明，如果發(fā)生拒付或者拒絕承兌，如何寄送拒付通知。您愿意用哪種方法，電報還是信件？

男：我想用郵件或傳真。現(xiàn)在還有誰用信件傳送消息？這是我的郵件地址和傳真號。Dialog2W:Mr.Green,thebeneficiaryoftheNo.675342L/Chaspresentedthedocumentstoourbankfornegotiation.Whatshallwedonext?

M:WewillcheckthedocumentsagainstthetermsandconditionsoftheL/C.IftheyareOK,wewillnegotiatethedocumentsatcurrentdiscountrate.Thenwe’llsendthedocumentstotheissuingbankforreimbursement.W:Isee.Thankyou.Question:WhatkindofroledoesthebankplayintheL/Cbusinessaccordingtotheconversation?ThebankplaystheroleofanegotiatingbankintheL/Cbusiness.譯文女：格林先生，675342號信用證的受益人已經向我行提示單據要求議付。我們應該怎么做？

男：我們要根據信用證的條款來核對那些單據。如果沒問題，我們就按現(xiàn)行貼現(xiàn)率議付單據，然后把單據寄送給開證行要求償付。女：我明白了。謝謝您。Dialog3M:Hi,Jane.I’mtoldthattheimporterwantstoopenarevocabledocumentarycreditinfavorofourcompany.Isthattrue?

W:Exactlytrue.ButIdeclinedtherequest.Youknowthatarevocablecreditmayincreasecreditriskonourpart.We’dbetterrequirehimtoopenanirrevocabledocumentarycredit.M:Ican’tagreewithyoumore.WhataboutconfirmationShallwerequireourbanktoadditsconfirmationtothecredit?W:Youaretalkingmylanguage.Question:Whatkindofletterofcreditwillbeissuedaccordingtothewoman?

Anirrevocableconfirmeddocumentarycreditwillbeissued.譯文男：嗨，簡。我聽說進口商要求開立以我們公司為受益人的可撤銷信用證。是真的嗎

女：千真萬確。但我拒絕了。您知道可撤銷信用證對我方會增加信用風險。我們最好要求他開立不可撤銷信用證。男：我完全同意。保兌呢？我們可以要求我們的銀行對信用證加以保兌嗎女：您說的就是我想的。Listening&SimulatingScripts&AnswersDialog1W:Excuseme,sir.HaveyoufinishedthecollectionorderAllright,letme

haveacheck.Oh,sir,youforgottostatetheinstructionofD/AorD/Phere.M:Isitcriticaltothecollection?W:Absolutelyimportant.WithoutD/PorD/Ainstruction,thecollectingbankwillonlyreleasedocumentsagainstpaymentaccordingtoURC522.譯文女：先生，打擾了，您的托收申請表填好了嗎好，我檢查一下。哦，先生，您忘記在這里寫明“承兌交單”還是“付款交單”了。男：這對托收重要嗎

女：絕對重要。沒有填寫“承兌交單”還是“付款交單”，根據522號《托收統(tǒng)一規(guī)則》，代收行只能按付款交單放行單據。Dialog2M:Wouldyoumindtellingmetheadvantageofdeferredpaymentcredit?W:Rightyouare,sir.Ifyouaregoingtoissueadeferredpaymentcredit,youneednotpaystampdutyonthebillofexchangeunderthecreditbecausenodraftisrequired.M:Oh,Isee.Buttherewillberiskonthepartofthebeneficiarysincehewillnotgethispaymentatmaturity.W:Don’tworryaboutthepayment.Thecreditisadefiniteundertakingofpaymentgivenbytheissuingbank.譯文男：請給我講講延期付款信用證的好處，好嗎

女：好的，先生。如果您打算開立延期付款信用證，您就不必為信用證項下的匯票支付印花稅，因為根本不需要匯票。男：哦，我明白了。但對于受益人來說可能有風險，因為到期他可能拿不到付款。女：不用擔心付款。信用證就是開證行給您的一個確定的付款承諾。Dialog3W:Sorry,Professor.Aquestionpuzzlesmesomuch.IsthereanydistinctionbetweenastandbyL/CandacommercialL/C?

M:Yes,ofcourse.Thereisasimplemethodtotellthedifference.Justrememberthatintheeventofdishonorordefaultinpaymentordefaultintheperformanceofcontract,astandbyL/Cwillbesetoff,otherwiseacommercialL/Cwillbeusedanditisamethodofpaymentintheordinarytrade.W:IunderstandthatthestandbyL/Cisusedasaguaranteeinthetransactionsandtheguarantoristheissuingbank.譯文女：對不起，教授。我有個問題弄不清，備付信用證與商業(yè)信用證有區(qū)別嗎

男：當然有啊。有個簡單方法來區(qū)分。只要記住，在發(fā)生拒付或者不能履行合約的時候，備付信用證才被啟用，否則，在正常的貿易中，一般使用商業(yè)信用證作為付款手段。女：我明白，在交易中，備付信用證被用作為擔保，而擔保人就是開證行。LongConversationsConversation1TypesofLettersofCreditScripts&AnswersW:Morning,Professor!M:Morning,Zhang!Whatareyoureading?W:Oh,I’mreadingmytextbookofInternationalSettlement,Professor.I’veatesttomorrow.Ihavetoreviewthesubject.Iwanttogetatopgradethistime.M:Verygood.NowI’llgiveyouanoraltesttoseehowmuchyouhavelearntaboutthecourse.W:I’dloveto,Professor.Please,I’mready.M:Well,wouldyoutellmethetypesoflettersofcredit?W:Oh!Itisabigquestion,butI’msureIcangivetheanswer.Therearemanytypesoflettersofcredit.Forexample,wemaydividelettersofcreditintodocumentarycreditsandcleancreditsaccordingtowhetherornotitisaccompaniedbyshippingdocuments.Andtheformeroneisfrequentlyusedininternationaltrade.M:Well,youdotip-top.Goahead.W:OK.Allthelettersofcreditsmuststatewhethertheyarerevocableorirrevocable,andirrevocablecreditsareusuallyacceptableinforeigntrade,becausetheirrevocablecreditscannotbemodifiedorcancelledwithoutagreementofallthepartiesconcerned.M:Toorightyouare!Howaboutthetransferabledocumentarycredits?W:Thetransferabledocumentarycreditisonethatspecificallyauthorizesthebeneficiarytotransferpartorwholeofthebenefitsoftheletterofcredittosomeoneelse.Thusanexporterabroadcanarrangetheshipmentofgoodsaftertheimporteropensatransferablecreditinfavoroftheexporter,andthenhemaytransferthebenefitsofthecredittotheactualsupplierorsuppliersofthegoodsthroughatransferringbank.M:Arethereanyothertypesofcredits?W:Yes,ofcourse.Lettersofcreditmaybeclassifiedintoconfirmedcreditsandunconfirmedcreditsaccordingtowhetherornotathirdbankaddsitsconfirmationtotheletterofcredit.Thethirdbankwillonlyconfirmpaymentfortheirrevocablecreditattherequestoftheissuingbank.AccordingtoUCP600,theissuingbankundertakestheprimarypayment,andtheconfirmingbankundertakesthesecondarypayment.Itisgenerallystatedintheadviceoftheletterofcreditbytheconfirmingbankas“Thecreditisconfirmedbyus”or“Weherebyaddourconfirmationtothiscredit”.Sometimestheconfirmingbankmayundertaketheprimarypayment,andthewordswillappearlikethis“Thiscreditbearsourconfirmationandweundertakethatdocumentspresentedforpaymentinconformitywiththetermsofthiscreditwillbedulypaidonpresentation.”Withoutsuchwordsintheadviceoftheletterofcredit,itisanunconfirmedcredit.M:Welldone.Goon,please.W:Inaddition,dependingonthetimeofpayment,lettersofcreditcanalsobedividedintosightcreditsandusancecredits.Thebillofexchangedrawnunderausancecreditisusuallyausancedraftanditmustbeacceptedbytheissuingbankoranominatedbank.Sotheusancecreditisalsonamedasanacceptancecredit.Therearealsopaymentcreditsornegotiationcreditsjustaccordingtowhowillmakepaymentonthepresentationofthecredit.Ifitisstatedtobepayabledirectlybytheissuingbankorsomenominatedbank,itisapaymentcredit.Ifitisstatedtobenegotiatedbytheadvisingbankoranyotherbank,itisanegotiationcredit.M:Excellent.You’vereallydonewell.I’msureyou’vemadeit.Iwouldgiveyouan“A”ifyouweremystudent.W:Thankyouverymuch,Professor.Youknow,mydreamistobecomeabanker.M:Comeon!Yourdreamwillcometrue,I’mpositive.譯文女：早上好，教授。男：早上好，張同學。你在看什么書

女：哦，我的《國際結算》課本，教授。明天有考試。我必須復習這門課。我希望這次可以拿個最好成績。男：很好。現(xiàn)在我就給你口試一下，看你學得怎么樣

女：太好了，教授。開始吧。我準備好了。男：行。你能說說信用證的種類嗎

女：哦，這可是個大問題。但我肯定能答得出來。信用證有很多種類。例如，我們可以根據是否隨附有運輸單據，將信用證分為跟單信用證和光票信用證。前者常常使用于國際貿易中。男：好，不錯。繼續(xù)。女：好。所有的信用證必須注明是可撤銷還是不可撤銷。對外貿易中通常接受不可撤銷信用證，因為沒有相關各方的同意，不可撤銷信用證不能被修改或被撤銷。男：你說得太對了。說說可轉讓信用證吧？

女：可轉讓信用證特別授權給受益人將信用證的部分或全部權益轉讓給其他人。這樣，進口商開立了以外國出口商為受益人的可轉讓信用證以后，他可以安排貨物的裝運，然后通過轉讓行把信用證的部分或全部權益轉讓給實際供貨商或供貨商們。男：還有其他種類的信用證嗎

女：當然有。根據是否有第三家銀行對信用證加以保兌，信用證分保兌信用證和無保兌信用證。第三家銀行一般應開證行的要求只對不可撤銷信用證加以保兌。根據600號《跟單信用證統(tǒng)一慣例》，開證行承擔付款第一責任，保兌行承擔第二責任。保兌行通常在信用證的通知書中寫明“本信用證由我行保兌”或者“我行對此信用證加以保兌”等字樣。有時，保兌行可能對信用證的付款承擔主要責任，保兌行會使用這些語句：“我行承擔本信用證的保兌責任，只要提示的單據與信用證條款相符，我行保證及時支付?！比绻庞米C通知書上沒有這樣的語句，那就是無保兌信用證。男：太棒了。請繼續(xù)。女：此外，信用證按照付款時間可以分為即期信用證和遠期信用證,遠期信用證項下的匯票一般是遠期匯票，必須由開證行或者其他指定的銀行承兌該匯票。所以遠期信用證也被冠名為承兌信用證。信用證還根據對誰提示單據并獲得付款而分為直接付款信用證和議付信用證。如果信用證注明由開證行付款或某指定銀行付款，這就是直接付款信用證。如果信用證注明由通知行或者任何銀行議付，這就是議付信用證。男：太好了。你答得的確不錯。我確信你學會了。如果你是我的學生，我會給你一個“A”。女：非常感謝，教授。您知道，我的夢想就是成為一名銀行家。男：加油。我肯定你的夢想會成真的。Conversation2TheProcedureforL/CBusinessScripts&AnswersW:Hello,Johnson!Howareyou?M:Nothingreally.Whataboutyou?W:Quitewell.I’mbusypreparingforthefinalexamination.I’vereviewedthewholebookofInternationalSettlement.M:Whatyousaidremindsmeofsomeproblemsinmystudy.Ihaveanelectivecoursethisterm.MyhomeworkistotellsomethingabouttheL/Cbusinesstomorrow.Wouldyoulendmeahand?W:Itisapleasure,Johnson.Well,youknow,aletterofcreditisissuedbytheissuingbanktothebeneficiary.It’stheissuingbank’sundertakingtopaythebeneficiaryiftheshipmenthasbeenmadeunderthecreditandallthedocumentspresentedarecomplyingwiththetermsandconditionsofthecredit.M:Soaletterofcreditservesasaconditionalpaymentpromiseoftheissuingbank.AmIright?W:Exactlycorrect.M:PleasegivemeanexampletoshowtheprocedureoftheoperationofL/Cs.W:SupposeABCisanexport-orientedcorporationinBeijing.XYZisanimportcompanywithgoodcreditstandingintheUnitedThesettlementofthetransactionistobemadebythemeansofanirrevocableletterofcredit.XYZwillaskitsbanktoissueanirrevocableletterofcreditinfavorofABCtocoverthecontract.Now,wesayABCisthebeneficiary,andXYZistheapplicantoftheL/C,andtheimporter’sbankistheissuingbank.M:Now,willABCreceivetheletterofcreditdirectlyfromXYZ?W:Absolutelyno.Yousee,aletterofcreditisusuallyadvisedthroughtheissuingbank’scorrespondentintheplaceofthebeneficiary.Sothecorrespondentbankiscalledadvisingbank.M:WhatwilltheadvisingbankdoafterreceivingtheL/Cfromtheissuingbank?W:ItwillverifytheauthenticityoftheletterofcreditbysometestkeyandseeiftheL/Cistrue.M:ItisthestepofcheckingL/C.Andthen?W:Itwillsendtheoriginalletterofcredittothebeneficiaryandkeepthecopyonfile.M:SoABChasgotthepromiseofpaymentfromtheimporter’sbank.W:Right.NowABCstartstoeffectshipmentofgoodsandpreparetherequireddocuments.M:WillABCgetthepaymentassoonastheshipmentiseffected?W:No.Aftertheshipment,thebeneficiarywilldrawasightdraftontheissuingbankandpresenttheletterofcredittogetherwiththedraftandalltherequireddocumentstotheadvisingbankinBeijing.M:Whatwilltheadvisingbankdonow?W:Theadvisingbankwillreviewallthedocuments.IftheyareOK,thebankwillnegotiatethedocumentsaccordingtothetermsofthecredit.Inthiscase,theadvisingbankactsasanegotiatingbank.M:Andthentheissuingbankwillpaythenegotiatingbank,right?W:Ofcourse.Theissuingbankwillreimbursethenegotiatingbankifitmakessurethatallthedocumentspresentedarecomplyingwiththetermsandconditionsofthecredit.M:Isittheendofthebusiness?W:No.TheissuingbankwillinformtheXYZofthearrivalofthedocuments,andrequirethecompanytorepaytheproceedstothebank.AndthenthedocumentswillbereleasedtoXYZandXYZwillgetthegoodsfromtheshippingcompanyagainstthedocuments.M:Oh,theoperationofanL/CismorecomplicatedthanwhatIthought.W:Exactly.Weshouldbecarefulwhenwehandlethecreditbusiness,especiallyweshouldbeprudentinobservingthecredittermsanddocuments,ortherewillbealossforboththecustomerandthebank.M:Yes,I’llkeepitinmind.IthinkI’velearntalot.Itisagreathelptomypresentation.Thanksamillion.W:Youarewelcome.Seeyoulater.M:Seeyou.譯文女：您好，約翰遜。過的怎么樣

男：差不多吧。您呢？女：很好。我正在準備期末考試。我已經復習了《國際結算》整本書。男：您這話使我想起了學習中的一些問題。這學期我有一門選修課。明天的作業(yè)是講講信用證業(yè)務。您能幫助我嗎

女：很高興，約翰遜。哦，您知道，信用證是開證行開給受益人的。它是開證行付款給受益人的保證，條件是按照信用證的要求裝運貨物，并且提示的單據與信用證條款相符。男：所以信用證就是開證行的有條件的付款承諾。對嗎

女：完全正確。男：請用例子說明信用證業(yè)務的操作步驟，好嗎

女：假如ABC是北京的一家以出口為主的公司。XYZ是美國的一家信譽不錯的進口公司。他們簽訂了銷售合約。打算用不可撤銷信用證結算交易。XYZ要求其銀行開立以ABC為受益人的不可撤銷信用證來付款?，F(xiàn)在，我們說ABC是信用證的受益人，XYZ是開證申請人，進口商的銀行是開證行。男：ABC這時是收到XYZ直接寄來的信用證嗎

女：絕對不是。您知道，信用證一般是通過開證行在受益人所在地的代理行通知給受益人的。所以代理行被叫做通知行。男：通知行收到開證行送來的信用證以后做什么呢？

女：它會使用某種密押核實信用證的真?zhèn)?。男：這就是審證吧。然后呢？

女：它會把信用證原件交給受益人，保留一份復印件存檔。男：這樣ABC就拿到了進口商銀行的付款承諾。女：對。現(xiàn)在ABC開始組織裝運，準備需要的單據。男：ABC完成裝運后就可以拿到付款嗎

女：不行。裝運后，受益人會開立一張以開證行為受票人的即期匯票，然后把信用證、匯票和所有必需單據一起提示給北京的通知行。男：通知行現(xiàn)在做什么呢？

女：通知行要審單。如果單據沒問題，銀行會按照信用證條款議付單據。這時，通知行充當議付行。男：然后開證行就會付款給議付行，對吧？

女：當然啦。只要開證行確認提示的單據與信用證的條款相符，它將償付議付行。男：就這些嗎

女：沒結束呢。開證行要把單據已到的消息通知給XYZ，要求該公司付款贖單。然后XYZ憑單據從裝運公司得到貨物。男：哦。我覺得信用證業(yè)務的操作比我想象的復雜得多。女：的確。我們處理信用證時千萬要仔細，尤其是在審查信用證條款和單據時要謹慎。否則客戶和銀行都會遭受損失。男：是。我會記住的。我感到今天學到了很多。這對我明天的演講很有用。非常感謝。女：別客氣。再見。男：再見。LecturesLecture1DocumentaryCollectionsScripts&AnswersAllright,class.Let’sbegintostudytheoperationofdocumentarycollections.Adocumentarycollectioncanbedefinedasthecollectionofaspecifiedsumofmoneyfromabuyeronbehalfofaselleragainstdeliveryofcertaindocuments.Documentarycollectionsfacilitatethesettlementofforeigntradetransactions.Thecollectionserviceprovidedbyabankinvolveslittleriskandappearstobetheleastexpensive.UndertheURC522,oncethedocumentsarepassedtothebankbytheexporter,thebankhasanabsoluterightoverthegoodsthroughthetitledocuments.Therightincludesreleasingdocuments,protecting,warehousinganddeliveringgoodsonbehalfoftheexporter.Therearegenerallyfourpartiesinvolvedinadocumentarycollection:Thefirstpartyistheprincipal.Heisusuallythesellerorexporter,whopresentsthedocumentstohisbanktogetherwithcollectioninstructions.Thesecondpartyistheexporter’sbank.Itiscalledaremittingbanksinceitsendsthecollectionletterandallthedocumentstotheimporter’sbankforcollectionattherequestoftheexporter.Thethirdpartyistheimporter’sbank.Itiscalledthecollectingbankorapresentingbankbecauseithandlestheactualcollectionofmoneyfromtheimporterandremitstheproceedstotheremittingbankaccordingtotheinstructionsincollectionorder.Thelastpartyistheimporterorthedrawee.Theexporterdrawsabillofexchangeonhimandthecollectingbankpresentsdocumentstohimforpaymentorforacceptance.Theoperationofadocumentarycollectionwillgointhefollowingprocedure:Theexportershipshisgoodsandobtainsdocumentsoftitlefromtheshippingcompanyafterthesalescontracthasbeensigned.Thenhehandsinthefollowingdocumentstotheremittingbank:1)abillofexchangedrawnontheimporter;2)acompletesetofclean,shippedonboardoriginalbillsofladingandotherrelevantdocuments;3)acollectionorderwhichcontainsalltheinstructionsonthecollection.Onreceivingallthedocumentsfromtheprincipal,theremittingbankwillsendallthedocumentsandacollectionordertothecollectingbank.IfitisaD/Pcollection,thecollectingbankwillreleasethedocumentstotheimporteronlyagainsthispayment.IfitisaD/Acollection,thecollectingbankwillreleasethedocumentstotheimporteragainsthisacceptanceofausancedraft.Afterthepaymentismade,thecollectingbankwillthenremittheproceedstotheremittingbank,whowillthencreditittotheexporter’saccount.譯文好了，各位同學。我們開始學習跟單托收業(yè)務。跟單托收可以定義為代表賣方，根據特定的單據從買方處收取特定金額的款項。跟單托收有利于外貿交易的結算。銀行提供的托收業(yè)務風險很小，而且費用最低。按照《第522號國際商務托收統(tǒng)一規(guī)則》，出口商一旦把單據交給銀行，銀行因為持有物權證書而對貨物有絕對的權利。其權利包括代表出口商放行單據、保護貨物、將貨物入倉和交付貨物等。跟單托收通常涉及四方：首先是委托人。委托人通常是賣方或出口商，是他把托收指示和單據一起提交給他的銀行。其次是出口商的開戶行。該行應出口商的要求把托收函和所有的單據寄給進口商的銀行要求其代收貨款，因此被稱為委托行或托收行。第三方是進口商的開戶行。該行按照托收委托書的指示辦理從進口商處收取款項并將貨款匯給托收行等具體事宜，因此被稱為代收行或收款行，也被稱為提示行。金融英語聽說-教師用書6-8.indd1412011.1.112:20:20PM金融英語聽說142最后是進口商或受票人。出口商開立以其為受票人的匯票，代收行向其提示單據要求其付款或承兌匯票。跟單托收業(yè)務的運作步驟如下：簽訂了銷售合約后，出口商裝運貨物，從裝運公司取得物權證書，然后將如下單據提交給托收行：1、以進口商為受票人的匯票；2、全套已裝船的清潔正本提單以及其他相關單據；3、包括全部托收指示的托收委托書。托收行收到委托人提交的所有單據后，將全部單據和托收委托書寄交給代收行。如果是付款交單托收，代收行將僅憑進口商的付款放行單據。如果是承兌交單托交，代收行將憑進口商對遠期匯票的承兌放行單據。付款之后，代收行將貨款匯給托收行，托收行將款項貸記到出口商的銀行賬戶。Lecture2MeansofInternationalSettlementScripts&AnswersforReferenceGoodmorning,ladiesandgentlemen.Yesterday,welearnedaboutdocumentarycollectionsanddocumentarylettersofcredit,includingtheirtypes,thepartiesconcernedandtheoperationprocedureofthebusiness.Today,I’dliketosayafewwordsaboutsomeothermeansofinternationalsettlementaswellaspayment.First,openaccount.Openaccountisacontractualarrangementbetweenthebuyerandseller.Bythearrangement,thegoodsaremanufacturedanddeliveredbeforepaymentismade.Itisobviousthatthebuyerwillhavemorebenefitsfromthearrangementsincehewillpayforthegoodsorservicesafterhereceives,inspects,andevensellsthem.Fromtheseller’sperspective,hereleasesthetitledocumenttothegoodswithouthavingassuranceofpaymentfromthebuyerorfromthebuyer’sbank.Soanypolitic