第六章支付条件Internationalpayments课件.ppt

1、第六章第六章 支付条件支付条件 International paymentshttp:/ L/Chttp:/ exchangeAdverse exchangeCommercial CreditBank Credit L/Chttp:/ InstrumentPayment methodsFavorable exchangeBankers draftPromissory notechequeFavorable exchange：Adverse exchange：Remittance、O/ACollection,L/CAdverse exchange:Commercial drafthttp:/ 支

2、付票据支付票据一、顺汇下的支付票据一、顺汇下的支付票据Instrument under favorable exchange1、银行汇票、银行汇票 Bankers draft2、本票、本票 promissory note3、支票、支票 chequehttp:/ 票票 进口地银行进口地银行进口地银行进口地银行支支 票票 进口商进口商进口地银行进口地银行商业汇票商业汇票出口商出口商进口商或银行进口商或银行http:/ draftBank in Importing countryBank in Exporting countryPromissory noteBank in Importing cou

3、ntryBank in Importing countryChequeImporterBank in Importing countryCommercial draftExporterImporter/Bankhttp:/ 汇票是汇票是出票人向另一个人签发的无出票人向另一个人签发的无条件支付的条件支付的书面命令书面命令，要求受票人见票，要求受票人见票时或以后某一规定的时间或可以确定的时或以后某一规定的时间或可以确定的时间将一定金额的款项支付给特定的人时间将一定金额的款项支付给特定的人或其所指定的人或持票人。或其所指定的人或持票人。商业汇票（商业汇票（Draft,Bill of Exchange

4、）http:/ of Exchange A bill of exchange is an unconditional order in writing,addressed by one person to another,signed by the person giving it requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specifi

5、ed person or to bearer.http:/ draftExporterImporterUSD100000Bankhttp:/ of bill of exchange1）DrawerDrawee=PayerPayeehttp:/ Draft）远期（远期（Time Draft）：）：从出票之日起算从出票之日起算从见票之日起算从见票之日起算从提单之日起算从提单之日起算板期（板期（Fixed Date）http:/ version of a Bill of ExchangeSight DraftTime Draft60days after the date of this draft:

6、从出票之日起算从出票之日起算At 30 days sight:从见票之日起算从见票之日起算30 days after the date of the bill of lading从提单之日起算从提单之日起算On Dec.24,2006 :Fixed Date(板期板期)http:/ in Handling a Bill of ExchangeTo drawPresentationPaymentsightusanceAcceptancehttp:/ and discountingExporterImporterUSD10000AUSD9500BUSD9700CUSD9800http:/ 支付方式

7、支付方式一、顺汇下的支付方式一、顺汇下的支付方式汇付（汇付（Remittance）信汇信汇(M/T)电汇电汇(T/T)票汇票汇(D/D)http:/ Payment Methods6.2.1Payment methods under favorable exchangeRemittanceM/T(信汇信汇)T/T(电汇电汇)D/D(票汇票汇)http:/ 信汇信汇电讯方式电讯方式 电汇电汇（收款人）（收款人）（汇款人）（汇款人）（汇入行）（汇入行）（汇出行）（汇出行）http:/ in exporting countryImporterBank in importing country（1）（

8、2）（3）Advice by mail M/TAdvice by tele transmission T/T（Payee）（Remitter）（Paying bank）（Remitting bank）Workflow of Remittancehttp:/ in exporting countryImporterBank in importing country（1）（2）（3）（4）Workflow of D/Dhttp:/ 预付货款预付货款O/A（赊销）（赊销）先出后结先出后结http:/ of RemittanceThe buyer pays total or part of the a

9、mount,then the seller delivers the goodsThe seller delivers first,and the buyer pays laterRemittance in advanceO/A（赊销）（赊销）http:/ Collection）出口商出口商 进口商进口商出口地银行出口地银行进口地银行进口地银行（1）合同）合同（2）发货）发货（3）汇票）汇票（4）（5）（6）（7）（8）委托人委托人 付款人付款人 托收行托收行代收行代收行http:/ Payment methods under adverse exchange（一）（一）Documentary

10、 CollectionExporter ImporterBank in Exp.countryBank in Imp.country1）contract2）delivery3）draft4）5）6）7）8）Principal PayerRemitting bankCollecting bankhttp:/ is documentary collection?Documentary collection is a method of effecting payment for goods whereby the seller/exporter ships goods to the buyer,b

11、ut instructs his bank to collect a certain sum from the buyer/importer in exchange for the transfer of title,shipping and other documentation enabling the buyer to take possession of the goods.Property of collection：Adverse exchange commercial credithttp:/ Sight 即期汇票时即期汇票时远期汇票时远期汇票时买方承兑买方承兑后交单后交单D/P

12、 after sight D/Ahttp:/ of Documentary CollectionHand out Doc.After paymentD/P Sight Draft at sightDraft after sightHand out Doc.After acceptanceD/P after sight D/Ahttp:/ sight的支付程序（1）合同）合同（2）发货）发货（3）汇票）汇票（4）托收）托收（5）提示）提示（6）付款）付款（8）（9）委托人委托人 付款人付款人 托收行托收行代收行代收行（7）交单）交单http:/ of D/P at sight1）contract

13、2）delivery3）draft4）collecting5）presentation6）Payment8）9）PrincipalDrawee Remitting bankCollecting bank7）Hand out Doc.http:/ after sight的支付程序（1）合同）合同（2）发货）发货（3）汇票）汇票（4）托收）托收（5）提示）提示（6）承兑）承兑（9）（10）委托人委托人 付款人付款人 托收行托收行代收行代收行（8）交单）交单（7）付款）付款http:/ of D/P after sight1）Contract2）Delivery3）Draft4）Collecting

14、5）Presentation6）Acceptance9）10）PrincipalDraweeRemitting bankCollecting bank8）Hand out Doc.7）Paymenthttp:/ 付款人付款人 托收行托收行代收行代收行（7）交单）交单（8）付款）付款http:/ of D/A1）Contract2）Delivery3）Draft4）Collecting5）Presentation6）Acceptance9）10）PrincipalDraweeRemitting bankCollecting bank8）Payment 7）Hand out Doc.http:/

15、部分损失部分损失D/A承兑交单承兑交单远期远期货款两空货款两空相同点：相同点：均为托收支付方式，商业信用，逆汇均为托收支付方式，商业信用，逆汇不同点：不同点：http:/ between D/P&D/A MethodsHand out doc.conditionPaying timeRiskD/PPaymentAt or after sightPartial lossD/AAcceptanceAfter sightTotal lossCommons:Collection,adverse exchange,commercial creditDifference：http:/ about Coll

16、ection1）Investigate clients financial standing and commercial credit2）Adopt CIF or CIP trade termsUnder CIF or CIP trade terms,the seller can lodge an insurance claim in case the goods damaged or refused by the buyer.http:/ T/R思考：思考：如使用远期如使用远期D/PD/P，货物已到达目，货物已到达目的港，市场状况非常好，你作为进口的港，市场状况非常好，你作为进口商因为没有

17、支付货款而无法提取货物，商因为没有支付货款而无法提取货物，会想干什么？会想干什么？思考：思考：我方向日商报出交易条件，采我方向日商报出交易条件，采用用D/PD/P即期付款，而日商称如能改为即期付款，而日商称如能改为D/P60D/P60天，并通过指定的天，并通过指定的A A银行代收，银行代收，日商有何意图？日商有何意图？http:/ of Credit,L/C）1、信用证的含义、信用证的含义2、信用证的支付程序、信用证的支付程序3、信用证当事人及其责任、信用证当事人及其责任4、信用证的特点、信用证的特点5、信用证的内容及其相关惯例规定、信用证的内容及其相关惯例规定6、信用证的种类、信用证的种类7

18、、信用证的应用及操作训练、信用证的应用及操作训练http:/ of Credit,L/C1、What is L/C?2、Workflow of L/C3、Parties involved under L/C4、Characteristics of L/C5、The chief contents of L/C6、Varieties of L/C7、L/C practice operationhttp:/ is L/C?guarantee.paymentbank issues conditionedAt the buyers request，Presented documents should s

19、trictly meet the terms and conditions stipulated in the L/C.http:/ of L/CBeneficiaryApplicantIssuing bankAdvising bankPaying bankApply for opening a L/CIssued a L/CNotificationPresent Doc.PaymentReimbursement PresentationPay for the Doc.ContractSend doc.And recourse http:/ Parties involved under L/C

20、 Applicant(开证申请人开证申请人)Issuing bank/Opening bank(开证行开证行)Beneficiary（受益人）（受益人）Advising bank(通知行通知行)Paying bank（付款行）（付款行）http:/ of L/C The issuing bank takes primary liabilities for payment.L/C follows pure documents principle.L/C serves as self-sufficient instrument.http:/ chief contents of L/C The pa

21、rties involved Remarks about the L/C The clauses of the bill of exchange The clauses about the documents Particular clauses Guarantee clauses of the opening bankhttp:/ Credit）不可撤销不可撤销L/C(Irrevocable Credit)1）http:/ Credit）未加保兑未加保兑L/C（Unconfirmed Credit）保兑行与开证行一样承担保兑行与开证行一样承担第一性付款人第一性付款人责任责任http:/ L/

22、C）不可转让不可转让L/C（Non-transferable L/C）可转让信用证只能转一次，但可可转让信用证只能转一次，但可同时转让给不同的第二受益人。同时转让给不同的第二受益人。3)http:/ Credit）远期远期L/C（L/C atdays sight）带带T/T条款的条款的L/C假远期假远期L/C4）http:/ Credit)6）背对背）背对背L/C(Back to Back Credit)7)对开对开L/C（Reciprocal Credit）8)备用备用L/C（Stand by Credit）http:/ of Guarantee,L/G）支付支付方式方式付款条件付款条件付款责任付款责任适用范围适用范围L/C单证相符，单证相符，单单一致单单一致第一性第一性货物进出口货物进出口L/G被担保人被担保人未履约未履约第一性（见索即付第一性（见索即付L/G）第二性（有条件第二性（有条件L/G）还款保证还款保证履约保证履约保证投标保证投标保证与与L/C的相同点在于两者均为银行信用，不同点如下：的相同点在于两者均为银行信用，不同点如下：http:/ L/C汇付汇付 托收托收一套正本单据一套正本单据