商務(wù)英語Payment

1、Payment,Conversation One,A: Were pleased to exchange ideas with you about payment terms. What would you say to payment by D/P? B: Im afraid that wont do. It has been our customary practice to require payment by confirmed and irrevocable sight L/C. A: But I know sometimes you accept D/P, dont you? Op

2、ening an L/C causes us a lot of expenses because it requires a certain sum of deposit in the bank. B: Yes, we do accept D/P, which is only for regular customers and small amounts involved in the deals. This is not the case with you. A: I understand payment by L/C provides guarantee to both the selle

3、rs and the buyers. Considering the large amount, is a time,Payment,Conversation One,L/C, say 60 days after sight, acceptable? You see, we are making a concession. You should leave us some time to raise money. B: It should have been all right. But as you said just now, it is not a small order, which

4、means we have to bear great cost in production and preparing the goods for shipment. So I need 20% down payment by T/T. A: Anyway, payment in advance is regarded as an international practice for a substantial order like this. We agree to do so. But would you lower the down payment to 15%?20% is not

5、a small sum for us. B: OK, I understand your position. So it will be 15% down payment by T/T and the balance by 60 days L/C. A: Quite right. I believe such arrangement is good to both of us. Thats a deal.,Payment,Conversation Two,A: Lets get down to the terms of payment. What do you have in mind? B:

6、 In view of our long-term pleasant cooperation, wed like to require payment on D/P basis. It is quite easy for you, isnt it? A: Thank you for accommodation. But as you may be aware, the recent uncertainty of the market tendency and declining of the local purchasing power have really brought us much

7、in convenience. We shall be grateful to you if you grant us payment by D/A to facilitate our sales. B: We were thinking of your problems when we suggested replacing L/C with D/P. And we certainly understand that D/A is a more ideal term for you. But, can you also consider our worries?,Payment,Conver

8、sation Two,A: Are you worrying about our reliability? B: No. We dont mean that. The trouble is if we cant collect the payment on time, it will affect our capital turnover. In fact, the muddled monetary situation adds to the risks at the same time. For the sake of safety, D/P is the only thing we can

9、 accept. A: If so, theres nothing more to be said. B: Sorry for it. But we promise to get everything ready and dispatch the goods immediately after we sign the contract. A: All right, Ill take you at your word.,Payment,Words and Expressions,deposit n. 存款、定金 grant v. 同意給予；授予 involve v. 牽涉，涉及 facilita

10、te v. 方便，有助于 guarantee v. 保證；擔(dān)保 ideal adj. 理想的 concession n. 讓步 reliability n. 可靠，可信賴 accommodation n. 通融，照顧 collect v. 收集，收取 uncertainty n.不確定 muddled adj. 混亂的 market tendency n. 市場(chǎng)趨向，市場(chǎng)走勢(shì) payment terms (terms of payment) 付款條件，支付方式 D/P (documents against payment) 付款交單,Payment,customary practice 慣例

11、regular customer 老客戶 confirmed and irrevocable sight L/C保兌的、不可撤銷的即期信用證 to raise money 籌集資金 payment in advance 預(yù)付款 down payment 預(yù)付款，頭期款，首付款 international practice 國際慣例 T/T (telegraphic transfer) 電匯 capita turnover 資金周轉(zhuǎn) monetary situation 貨幣狀況 for the sake of 為了,Words and Expressions,Payment,Notes,1.

12、guarantee n. v. 保證，保函；擔(dān)保 需求增長(zhǎng)不一定保證能賣好價(jià)。 Increased demand is not always a guarantee of better price. 我們的新汽車保用一年。 We have a one-year guarantee on our new car. 因?yàn)槟惴讲荒鼙ＷC在5月15號(hào)之前交貨，我們只好取消訂單。 We have to cancel the order, because you cant guarantee delivery before May 15th. 本鐘表保修一年。 The clock is guaranteed

13、 for one year.,Payment,Notes,保險(xiǎn)可使他在火災(zāi)中不受經(jīng)濟(jì)損失。 His insurance guaranteed him against money loss in case of fire. 2.你們應(yīng)該留給我們些時(shí)間籌集資金。 You should leave us some time to raise money. raise money 籌集資金 該公司正在為發(fā)展計(jì)劃努力籌集資金。 The company is trying to raise the capital to fund its expansion program.,Payment,Notes,青

14、年志愿者為該村的希望小學(xué)募捐人民幣5萬元。 The young volunteers raised RMB50 000 for the “Hope” school in this village. 3.就這么定了。 Thats a deal. 還可以說Lets call it a deal. 4. for the sake of 為起見，為了的緣故 for the sake of simplicity 為了簡(jiǎn)便起見,Payment,Notes,5.我就相信你說的話。 Ill take you at your word. word是“諾言”的意思。再如： 我可以向你承諾。 I can give

15、you my word.,Payment,Useful sentences,1.經(jīng)過多年的合作，你們應(yīng)該非常了解我們的支付方式了。 After so many years cooperation, you should be very familiar with our terms of payment. 2.開立信用證將產(chǎn)生很多銀行費(fèi)用和傳真費(fèi)，這樣一來就增加了進(jìn)口的成本。 Opening L/C will involve a lot of bank charges and fax expenses, thus raise the cost of imports. 3.單據(jù)收到后經(jīng)核對(duì)無誤，

16、我們就立即付款。 Documents will be checked and paid immediately after receipt if there is no discrepancy.,Payment,Useful sentences,4.你們認(rèn)為應(yīng)采用什么樣的分期付款方式？ What kind of installment payment do you have in mind? 5.在這一點(diǎn)上，我無能為力。信用證是我們唯一能接受的支付方式。 I cant be of any help in this respect. L/C is the only term of payment

17、 we can accept. 6.采用付款交單還是承兌交單，對(duì)你們沒有多大區(qū)別，可是對(duì)我來說就不同了。 Accepting D/P or D/A makes no great difference to you, but it certainly does to me.,Payment,Useful sentences,7.對(duì)這樣小的訂單，我們可以不用信用證。 For such a small order, we can do without an L/C. 8.如果你方能接受D/P，我們可以在其他條件上讓步。 If you agree to accept D/P, we can compr

18、omise on other terms. 9.匯率的波動(dòng)可能會(huì)給我們帶來經(jīng)濟(jì)損失。 The exchange rate fluctuation may cause us money losses. 10.信用證的有效期至裝運(yùn)后的第十五天。任何延期不予考慮。 The L/C remains valid/ good/ open/ firm until the 15th day after shipment. Any extension will not be considered.,Payment,Useful sentences,11.看樣子我只好將就了。 It seems I have to

19、 take things as they are. 12.這微乎其微的利潤還不夠抵消那些額外開支。 The little margin of profit is not enough to balance the additional expenses.,Payment,Exercises,Part B Listening I. Listen and complete each of the following sentences.,1. Payment _ will cause us financial _. 2. What is your _ about terms of payment?

20、 3. We ask for your _ of L/C to _. 4. A _ Guarantee should be issued by a _ bank. 5. Usually, the buyer will ask for _ payment terms to _ their sales.,in advance,trouble,regular practice,extension,September 30th,Letter of,reliable,easier,facilitate,Payment,Exercises,II. Repeat the sentences you hear

21、 on the tape. Remittance 匯付to pay in cash 付現(xiàn)金,Could you make an exception, say to accept D/A? As an importer, we think remittance against documents is safer. Youre not serious, arent you? Nobody pays in cash in international trade. I think I may as well come straight to the point. Oh! Come on! You t

22、alk as if we would not pay the money to you.,1 2 3 4 5,Payment,Exercises,IV. Listen to the short conversations and choose the best answer to each of the following questions.,1. Under what circumstances does the seller accept D/P? A. Amount under RMB50 000. B. Amount above RMB50 000. C. Amount under

23、RMB15 000. D. Amount above RMB15 000. 2. What does the second speaker mean? A. He means the market is weak. B. He means the market is not weak. C. He agrees with the first speaker. D. He wants to increase their market share.,Payment,Exercises,3. What is happening here? A. The man refuses to accept D

24、/A. B. The man agrees to accept D/A. C. The man cant make any decision right now. D. The man asked the woman to contact the department concerned direct. 4. How much is the advance payment acceptable to second speaker? A. 50% of the total contract value. B. Just 20%. C. Below 20%. D. Between 20% and

25、50%.,Payment,Exercises,5. What does the second speaker want to say? A. The first speakers reputation is good. B. The first speakers reputation is bad. C. He wants to use L/C payment. D. He doesnt want to use L/C payment.,Payment,Exercises,V. Listen to the dialogue and answer the questions you hear o

26、n the tape orally.,The buyer wants cash on delivery as a mode of payment The seller prefers payment with order. It means there is a likelihood that the goods are not delivered to the them. They agree to 30% paid in advance by T/T and the balance paid in cash on delivery. The buyer promises 30% will

27、reach the seller by T/T not later than October 15th.,1 2 3 4 5,Cash on delivery 貨到付款payment with order隨訂貨討款the balance余額 run a risk冒險(xiǎn)compromise妥協(xié)，折衷,Payment,Exercises,Text A: Weve settled the question of quality and shipment. Now, lets come to the terms of payment. B: As an importer, we insist on pa

28、yment by cash on delivery. A: We wont accept it. We prefer payment with order. B: Sorry, it is impossible. That means we will run a risk to some degree.,Payment,Exercises,A: How about making a compromise? Say, 30% to be paid in advance by T/T. B: And the balance paid in cash on delivery? A: Thats ri

29、ght. It would be good to both of us. Dont you think so? B: OK, lets settle it. Youll get 30% by T/T not later than October 15th, I promise you.,Payment,Exercises,PART D NOTE-TANKING AND INTERPRETATION I. Listen to the passage and note down its main idea. Present 提示endorse 背書,1. You may give T.T or m

30、ail remittance terms to a buyer when hes a _. 2. You can draw a draft on your _ and present it through a _ 3. Draft without an L/C doesnt give you much _. 4. Drafts are drawn and presented with other documents against an _,trusted customer,buyer,bank,protection,L/C,Payment,Exercises,5. You have paym

31、ent guaranteed by a _ on the basis of L/C payable by draft. 6. Usually, the banks make a _ for their guarantee, and thats why we are not always _ when we trust buyer. 7. A draft is simply an _ like a _, and can be _.,bank,charge,on L/C terms,order to pay,check,endorsed,Payment,Exercises,Text You may

32、 give T.T or mail remittance terms to a buyer when hes a trusted customer. But with an L/C, the payment is guaranteed. A lot of us were a bit confused between drafts and letters of credit in the beginning. The point is, you can draw a draft on your buyer and present it through a bank even without an L/C. But it doesnt give you much protection. Its only w