快速掌握付款方式

付款方式ContentPaymentInstrumentsPaymentMethodsPaymentTermsPaymentInstrumentsCashFinancialDocumentsPromissoryNoteCheck/ChequeBillofExchangeFinancialDocuments票據(jù)是以支付一定金額為目的，并可以自由流通轉(zhuǎn)讓的特種證券。RefertoBillsofExchangeAct(1882)Features:Negotiability（流通性）Non-causativeNature（無因性）RequisiteinForm（要式性）I.PromissoryNoteDefinitionRequiredContentsTypesII.Check(Cheque)DefinitionRequiredcontentsTypesIII.BillofExchange(Draft/Bill)DefinitionRequiredcontentsTypesWhatisaBillofExchange/draft?Anunconditionalorderinwritingsignedbyoneparty(drawer)requestingasecondparty(drawee/payer)topayastatedsumofmoneytoathirdparty(payee),ondemandoratafixedordeterminablefuturetime.Whataretherequiredcontentsofadraft?“BillofExchange”or“Draft”UnconditionalorderofpaymentFixedamountNameofdrawee/payerNameofpayeeDateofissuingDrawer’snameandsignaturePlaceofIssuingDateandplaceofpaymentBILLOFEXCHANGEDrawnUnderBankofChina,LondonIrrevocableL/CNo.2003056DatedJanuary10,2005Payblewithinterest5.2%PerannumNo.20042EXCHANGEforHKD236,000.00Tianjin,ChinaFebruary20,2005at30daysafterSightofthisFIRSTofExchange(SecondofExchangebeingunpaid)PaytotheorderofBankofChina,TianjinBranchthesumofHongkong

Dollars

TWOHUNDREDANDTHIRTY-SIXTHOUSANDONLY

TO:BANKOFCHINA,HONGKONGChinaMachinery&EquipmentImport&ExportCorp.,ShanghaiBranch

(SIGNATURE)DrawerBanker’sDraftCommercialDraftTypes

D/DCollectionL/CTypesPaymenttimeSightDraft(DemandDraft)TimeDraft(UsanceDraft)AtxxdaysaftersightAtxxdaysafterdateofdraftAtxxdaysafterdateofB/LFixeddate:OnNov.30TypesAcceptorCommercialAcceptanceDraftBanker’sAcceptanceDraftCommercialcreditBankcreditTypesCommercialDocumentsCleanDraftDocumentaryDraftToDraw1Presentation2Endorsement5Payment4Acceptance3Discount6Dishonor7Recourse8UseofDraftsSightTimeorAddressee:1.Arestrictivepayee2.toorder3.tobearer

Pay…Co.nottransferablePay…Co.onlyPay…Co.ororderPaytotheorderof…Co.PaybearerPayholderEndorsement:

1.Restrictive2.Blank3.SpecialPayto…Co.onlyPay…Co.nottransferablePay…bankororderDiscount持現(xiàn)有遠期匯票的人若想在付款人付款前取得票款，可以經(jīng)過背書將匯票轉(zhuǎn)讓給貼現(xiàn)的銀行或金融公司（即受讓人），由他們按票面金額扣除一定貼現(xiàn)利息后，將余額付給持票人（即出讓人）的行為。一般貼現(xiàn)的目的是加速資金周轉(zhuǎn)。Differencesbetweendraftandpromissorynote,check性質(zhì)當事人付款時間匯票支票本票無條件的書面支付命令無條件的書面支付承諾出票人/受款人出票人/付款人/受款人無條件的書面支付命令只有即期沒有遠期分遠期/即期遠期不承兌分遠期/即期遠期需承兌出票人/付款人/受款人PaymentMethodsRemittanceCollectionLetterofCreditRemittanceFavorableexchange(remittance):thebuyermakesthepaymentbybanktransferofhisownaccord.RemittanceRemittancereferstotransferoffundsfromoneparty(payer)toanother(payee)amongdifferentcountriesthroughbanks.FourPartiesRemitterBeneficiaryRemittingBankPayingBankTypesofRemittance信匯MailTransfer(M/T)費用低廉速度較慢電匯TelegraphicTransfer(T/T)收款迅速費用較高票匯DemandDraft(D/D)付款靈活便捷RemitterPayingBankBeneficiaryRemittingBankContractTheProcessofRemittance–M/TorT/TM/TorT/TRemitterPayingBankBeneficiaryRemittingBankContractTheProcessofRemittance–D/DNotifyPayForwardBank’sDraftPresentApplyDrawFeaturesCommercialCreditFavorableExchangeApplicationinInternationalTradePaymentinadvance 預付貨款Cashwithorder 隨訂單付現(xiàn)Paymentafterarrivalofgoods貨到付款Openaccount(OA) 賒賬交易Consignment 寄售賣方買方CollectionAdverseexchange(reverseremittance,todraw):theexportertakestheinitiativetogatherthepaymentfromthebuyer.CollectionCollectionAbankreceivesanexporter’scollectionorderanddocuments,presentsthedocumentstotheimporterandcollectsfundsforthesellerCleanCollectionDocumentaryCollectionDocumentaryCollectionisameansofensuringthatgoods(titledocuments)arehandedovertothebuyer(byabank)onlywhentheamountshownonabillofexchangeispaidorwhenthecustomeracceptsthebillasacontracttopaybyaspecificdate.FeaturesCommercialCredit(CommercialDraft)AdverseExchangeURC522(UniformRulesforCollection)FourPartiesPrincipalDraweeRemittingBankCollectionBankSeller/ExporterBuyer/ImporterTypesofDocumentaryCollectionDocumentsAgainstPayment(D/P)D/PatsightD/PatXXdaysaftersightDocumentsAgainstAcceptance(D/A)SampleClauseofD/PD/PSight“UponfirstpresentationtheBuyersshallpayagainstdocumentarydraftdrawnbytheSellersatsight.Theshippingdocumentsaretobedeliveredagainstpaymentonly.”D/PafterSight“TheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersat××dayssightuponfirstpresentationandmakepaymentonitsmaturity.Theshippingdocumentsaretobedeliveredagainstpaymentonly.”D/P(DocumentsagainstPayment)Principal(Exporter)Drawee(Importer)RemittingBankCollectingBank1ContractShippingLine23456789101112SampleClauseofD/ATheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersat45dayssightuponfirstpresentationandmakepaymentonitsmaturity.TheBuyersshalldulyacceptthedocumentarydraftdrawnbytheSellersuponpresentationandmakepaymentat30daysafterdateofB/L(draft).Theshippingdocumentsaretobedeliveredagainstacceptance.Paymentbydraftpayable120daysaftercargoarrival,documentsagainstacceptance.Principal(Exporter)Drawee(Importer)RemittingBankCollectingBank1ContractShippingLine234567810111291314D/A(DocumentsagainstAcceptance)CaseStudy我某外貿(mào)公司與一外商成交一批貨物，雙方洽談時，付款方式為D/Pat30daysaftersight，后外商要求改為D/Aat30daysaftersight，請問，我方能否答應？為什么？ComparisonofD/PandD/A支付方式交單條件付款時間收匯風險D/P付款交單即期或遠期部分損失D/A承兌交單遠期貨款兩空Similarities:Collection,CommercialCredit,AdverseExchangeDifferences:CaseStudy我某公司向日本商人以D/P即期付款方式推銷某商品，對方答復，如我方接受D/Pafter90days付款，并通過它指定的A銀行代收則可接受。試問，日方為什么提出此項要求？TrustReceipt(T/R)

憑信托收據(jù)借單CaseStudy我某外貿(mào)企業(yè)與某國A商達成一項出口合同，付款條件為付款交單見票后45天付款。當匯票及所附單據(jù)通過托收行寄抵進口地代收行后，A商及時在匯票上履行了承兌手續(xù)。貨抵目的港時，由于用貨心切，A商出具信托收據(jù)向代收行借得單據(jù)，先行提貨轉(zhuǎn)售。匯票到期時，A商因經(jīng)營不善，失去償付能力。代收行以匯票付款人拒付為由通知托收行，并建議由我外貿(mào)企業(yè)直接向A商索取貨款。對此，你認為我外貿(mào)企業(yè)應如何處理？CollectionBillPurchased

托收出口押匯ApplicationinInternationalTradeFavorabletoimporters他僅憑自身信用進行交易而不需墊付資金若采用D/A，還可以進一步運用賣方資金Unfavorabletoexporters

破產(chǎn)喪失清償債務的能力言而無信拒不付款錢貨兩空LetterofCreditDefinitionofLetterofCreditwrittenundertakingofpayment.bankconditionalATermsarestrictlycompliedwith.（單單一致，單證一致）Creditmeansanyarrangement,howevernamedordescribed,thatisirrevocableandtherebyconstitutesadefiniteundertakingoftheissuingbanktohonoracomplyingpresentation.UCP600Article2DefinitionCharacteristicsofL/CPrimaryLiabilitiesforPaymentSelf-SufficientInstrumentPureDocumentaryTransactionApplicant(Importer)Beneficiary(Exporter)IssuingBankSalesContractApplicationforL/CL/CTriangularContractualArrangementMajorPartiesInvolvedApplicant–ImporterBeneficiary–ExporterIssuingBank–Importer’sBankDepositforestablishmentofL/CAdvisingBank–BranchorCorrespondentBank表面真實性OtherPartiesInvolvedNegotiatingBankPayingBankConfirmingBankReimbursingBankDifferencesbetween

PayingBankandReimbursingBankPayingBankistheDraweeBankdesignatedbyL/C.UsuallyitistheIssuingBankitself.ItshouldcheckthedocumentsagainstL/C. ReimbursingBankistheClearingBankofL/C,andhasnoresponsibilitytocheckthedocumentsagainstL/C.EveryL/ChasitsPayingBank,butnoteveryL/ChasitsReimbursingBank.Applicant（Importer）Beneficiary（Exporter）AdvisingBank/NegotiatingBankIssuingBank/PayingBank1ContractShippingLineGeneralProcedureofUsinganL/C23456789101112131415BasicTypesofL/CRevocableCreditIrrevocableCreditTheCreditshouldclearlyindicatewhetheritisrevocableorirrevocable.IntheabsenceofsuchindicationtheCreditshallbedeemedtobeirrevocable.CleanCreditDocumentaryCreditIrrevocableDocumentaryCreditBasicTypesofL/COtherTypesofL/CSightPaymentCreditUsanceCreditTimeCreditPaymentagainstDocumentsL/CL/CwithT/TReimbursementClauseDeferredPaymentL/CAcceptanceL/CSeller’sUsanceL/CBuyer’sUsanceL/C

OtherTypesofL/CNegotiableL/CRestrictNegotiableL/CFreelyNegotiableL/COtherTypesofL/CConfirmedL/CBoththeIssuingBankandtheConfirmingBankhavethesameprimaryliabilitiesofpayment.OtherTypesofL/CTransferableL/CACreditcanbetransferredonlyifitisexpresslydesignatedas‘transferable’bytheIssuingBank.UnlessotherwisestatedintheCredit,atransferableCreditcanbetransferredonceonly.FractionsofatransferableCredit(notexceedingintheaggregatetheamountoftheCredit)canbetransferredseparately,providedpartialshipments/drawingsarenotprohibited,andtheaggregateofsuchtransferswillbeconsideredasconstitutingonlyonetransferoftheCredit.OtherTypesofL/CBack-to-BackL/C背對背信用證的結(jié)算中間商和實際的供貨人原證的結(jié)算實際進口商與中間商OtherTypesofL/CReciprocalL/C國內(nèi)企業(yè)進口料件使用遠期信用證，暫不生效在遠期信用證規(guī)定的期限內(nèi)，加工裝配為成品出口時，國外進口商采用即期信用證付款進口商開立即期信用證并被國內(nèi)企業(yè)接受時，遠期信用證生效OtherTypesofL/CRevolvingL/COtherTypesofL/CAnticipatoryL/C(PrepaidL/C)進口商對出口商裝船前的融資全部預支和部分預支StandbyL/C開證申請人未履行其義務時使用適用的慣例：ISP98《國際備用證慣例1998》UCP500(UCP600)作用：貨物買賣履約保證、投標保證、預付款保證等L/G&L/CSimilarity:Differences:bankcredit見索即付的L/G：第一責任有條件的L/G：次要責任被擔保人未履約

L/C還款保證履約保證投標保證L/G單單相符單證相符第一責任進出口貿(mào)易付款條件付款責任用途ApplicationofPaymentModesWhatshouldbeconsideredwhenwechoosepaymentm