1、商务英语函电 ,BUSINESS ENGLISH CORRESPONDENCE ,2015 Negotiation of a Contract(inquiry, offer, counter-offer, acceptance, contract)2016 - Execution of a contract(payment, shipment, packing, insurance, dispute and claim),Chapter 8 Terms of payment 支付条款,Teaching objective -the instruments used in internation
2、al trade. -special terms and expressions. -letter writing & translation skills.,International settlement - international payments and settlements are financial activities conducted among different countries in which either payments are effected or funds are transferred from one country to another fo
3、r the purpose of settling accounts, debts, claims, etc.,国际结算,Types of international settlement.usually is divided into three broad categories: -remittance-collection -letter of credit.,International customs and practices International Practices concerning Bills 票据: Bill of Exchange Act,1882,英国票据法英美法
4、系票据法的典型代表Geneva Uniform Bill Act.日内瓦统一票据法大陆法系票据法的代表,（2）International Practices concerning Settlement: Uniform Rules for Collection, ICC Publication No.522托收统一规则 简称 URC522Uniform Customs and Practice for Commercial Documentary Credits, 1993 Revision, ICC Publication No.500跟单信用证统一惯例 简称UCP5002007 UCP60
5、0,Banking networkCommercial banks have the following net works-correspondent bank or correspondents代理行 或业务往来行- branch& sub-branch ( also called “sister bank“) 分行和支行,Payment Instruments 支付工具,Learning Focus,Draft 汇票DefinitionParties involvedContentTypes Promissory Note 本票 Check 支票DefinitionParties inv
6、olvedTypes * Acts of Draft 票据行为,Definition of Draft,Draft 汇票 is an unconditional written order signed by one party (drawer 出票人)requiring a second party (drawee 受票人/ payer 付款人) to make payment in lawful money immediately or at the determinable future time to the third party ( payee 收款人) .汇票是出票人签署的无条件
7、执行的书面命令，要求第二方即受票人/付款人立即或在未来某一特定时间内以法定货币付款给第三方即收款人。,Parties Involved,c. 收款人 (usu. Exporter or Exporters bank),DRAWER,DRAWEE / PAYER,PAYEE,DRAFT/ ORDER,a. 出票人 (usu. Exporter or Exporters bank),b. 受票人/付款人(usu. Importer or Importers bank),纽约A公司向巴黎B公司采购一批商品。价值为10，000美元，约定装运后30天付款。巴黎公司C向纽约公司D采购一批商品，价值为10,
8、000美元。而公司B与C之间刚好存在某种业务关系，C将物品与劳动以借贷的方式提供给B。 他们之间的关系：,New York Paris 美国公司A 法国公司B美国公司D 法国公司C,商品,现金,商品,现金,商品,1. _ 公司开立一张汇票，收款人是 _ 付款人是 _。 汇票开立后，B将汇票交给 C. B将其对A的债权转让给C，委托A对C直接支付来解决其对C该履行的债务。以此解决B与A,A与C之间的债权债务关系.,New York Paris 美国公司A 法国公司B美国公司D 法国公司C,商品,现金,商品,现金,现金,商品,法国B,法国公司C,美国公司A,2. 法国公司C收到汇票后，为了清偿其对
9、美国公司D 的债务，可以将以上汇票通过背书转让给D，由D 去向A提示汇票，要求A付款。,New York Paris 美国公司A 法国公司B美国公司D 法国公司C,商品,现金,商品,现金,现金,商品,注：汇票的出票人既可以是出口商，也可以是进口商。汇票由出口商出具，寄送给进口商，资金的流动方向与汇票递送方向相反，称为“逆汇”。汇票由进口商向银行申请开立，寄送给出口商，资金的流动方向与汇票递送方向相同，称为“顺汇”。,Date and place of issue 签发日期、地点 Name of Payee 收款人姓名 Currency and Amount 货币名称、金额数目 Name of
10、Drawee/ Payer 受票人/付款人姓名 Drawers name signature 出票人姓名及签名“Draft” or “Bill of Exchange” 汇票字样 Unconditional order to pay 无条件支付命令 Time of payment 支付时间 Credit reference 信用备查,Content of Draft,A Typical Draft,Drawee 受票人,Drawer 出票人,Payee 收款人,Bill of Exchange / Draft,信用证开证行名称,信用证号码,开证日期,汇票号码,小写货币金额,出票日期、地点,付款
11、期限,收款人,大写货币金额,付款人名址,出票人名址及签章,1. According to the identity of drawer/drawee a. Bankers Draft （银行汇票） b. Commercial Draft （商业汇票） 2. According to whether or not commercial documents are attacheda. Clean Bill （光票） b. Documentary Bill （跟单汇票） 3. According to the time of paymenta. Sight/Demand Draft （即期汇票）b
12、. Time/Usance/Term Draft （远期汇票）,Types of Draft,1. According to the identity of drawer/drawee a. Bankers Draft （银行汇票） Draft drawn among banks. It is mainly used in settling payment obligations between banks. b. Commercial Draft （商业汇票）Draft drawn among traders/companies. It is the mostly used instrume
13、nt in world trade.,Types of Draft,Drawee/ Payer 受票人/付款人,2. According to whether or not commercial documents are attached a. Clean Bill （光票）paid without the presentation of any other documents attached . A bankers draft is usually clean. b. Documentary Bill （跟单汇票：国际贸易中使用最广泛）can be paid only when cert
14、ain other documents, e.g. shipping documents have been attached to and presented together with the draft. Commercial drafts are usually documentary.,Types of Draft,3. According to the time of paymenta. Sight/Demand Draft （即期汇票）Payment is to be made at the sight of the draft.b. Time/Usance/Term Draft
15、 （远期汇票） Payment is to be made in a specified number of days after sight, or after the date of issue or acceptance, or at a fixed future time.,Types of Draft,Sentence Translation,we propose to pay by Bill of Exchange at 30 days, documents against acceptance. Please confirm if it is acceptable to you.
16、 我们建议以见票后30天付款的汇票承兑交单方式支付。如你方能接受，请确认。 we agree to draw on you a sight draft through a bank for the value of the goods ordered. 我们同意通过银行开出即期汇票向你方收取货款。,Acts of Draft 票据行为,The major acts of draft include Issue 出票, Presentation 提示, Acceptance 承兑, Payment支付, Endorsement 背书, Discount 贴现，Dishonor 拒付, and R
17、ecourse 追索.Issue （出票）Issue refers to the fact that the Drawer draws up a bill of exchange, signs it and delivers it to the Drawee / Payer.出票人签发汇票并交付给收款人的行为。,Acts of Draft 票据行为,Presentation （提示）Presentation refers to the fact that the Bearer delivers the draft to the Payer for payment or acceptance.
18、持票人将汇票提交付款人要求付款或承兑的行为。 a. Presentation for payment （付款提示） b. Presentation for Acceptance（承兑提示）,Acts of Draft 票据行为,Acceptance （承兑）Acceptance means that the Payer accepts the time draft， signing “accepted” on the draft with date and signature. 付款人在持票人向其提示远期汇票时，在汇票上签名，承诺于汇票到期时付款的行为。具体做法是付款人在汇票正面写明“承兑（A
19、ccepted）”字样，注明承兑日期，于签章后交还持票人。 Note: The acceptor (承兑人) is legally bound by acceptance.,Endorsement （背书） Endorsement means the endorser/bearer signs his name on the back of the draft, indicating the title of the draft is transferred to another party /endorsee. It is an act of negotiation （转让）.背书人/转让人
20、在汇票背面签上自己的名字，并记载被背书人的名称，把汇票权利转让给被背书人即受让人。 受让人成为持票人，是票据的债权人。受让人有权以背书方式再行转让汇票的权利。,Acts of Draft 票据行为,Types of Endorsement （背书） 1). Blank endorsement （空白背书/不记名背书） 2). Specific endorsement （记名背书） 3). Restrictive endorsement （限定背书）,Acts of Draft 票据行为,Types of Endorsement （背书） 1). Blank endorsement （空白背书/
21、不记名背书）The draft specifies NO endorsee and can be transferred many times. FOR C COMPANY(SIGNED) * C company 是背书人,Acts of Draft 票据行为,Types of Endorsement （背书） 2). Specific endorsement （记名背书）The draft specifies AN endorsee with “ pay to order” or “pay to order of” and can be transferred many times. PAY
22、 TO THE ORDER OF D COMPANY FOR C COMPANY(SIGNED)* D company 是被背书人， C company 是背书人,Acts of Draft 票据行为,Types of Endorsement （背书） 3). Restrictive endorsement （限定背书）The draft specifies just ONE endorsee with “pay to only”, thus forbidding further negotiation. PAY TO D COMPANY ONLLYFOR C COMPANY(SIGNED)P
23、AY TO D COMPANY NOT TO ORDERFOR C COMPANY(SIGNED),Acts of Draft 票据行为,Discount （贴现） If the Bearer intends to get payment before the accepted draft is actually due for payment，a time draft can be discounted at a Discounting Bank in international trade 贴现指远期汇票（经进口商）承兑后，尚未到期。 出口商为了提前获得货款，将汇票转让给银行，由银 行从票
24、面金额（face value) 中扣减按一定贴现率 （discount rate)计算的贴现利息(discount interest)后， 将余款付给持票人（出口商）的行为。,Acts of Draft 票据行为,Dishonor （拒付）The draft is dishonored when the Drawee refuses to accept the draft or make the payment. Recourse (追索) 出现拒付，持票人有追索权。即有权向其前手（背书人、出票人）要求偿付汇票金额、利息和其他费用的权利。,Acts of Draft 票据行为,Write a
25、Draft as required below.,杭州景程进出口公司向新加坡Optrex公司出售玩具一批，发票总金额为USD1256.00。承运人来电告知货已到达目的地。现出口商欲收回货款，于2010年12月15日向进口商开立汇票，要求进口商见票后15天按照发票金额全额付款。注：出口商收款银行为 “中国银行浙江省分行”，进口商地址为 Hyde Road 12#, Singapore City, Singapore.,Exercise:,EXCHANGE for USD At sight of this First OF Exchange (Second of the same tenor an
26、d date being unpaid) pay to the order of the sum of U. S. dollars value received.To: For: President XXX,Bill of Exchange,1,256.00,Hangzhou, Dec 15, 2010,15 days,Bank of China Zhejiang Branch,ONE THOUSAND TWO HUNDRED AND FIFTY SIX ONLY,Optrex Company,12 Hyde Road,Singapore City, Singapore.,Import and
27、 Export,Company.,Hangzhou Jingcheng,Learning Focus,Draft 汇票DefinitionParties involvedContentTypes Promissory Note 本票 Check 支票DefinitionParties involvedTypes * Acts of Draft 票据行为,Definition of Promissory Note,The promissory note 本票 is an unconditional promise in writing made by one person (the maker
28、出票人) to another (the payee / holder 收款人/ 持票人）signed by the maker to engaging to pay on demand or at a fixed or determinable time a certain amount of money to or to the order of a specified person or to bearer 持有人. 本票是由出票人签名发出给持票人/收款人的无条件书面承诺，保证一经要求或在未来的一个安排好的日期即支付一个特定数目的款项给某个特定的人或他指定的人或持票据人。,How man
29、y parties are involved in promissory note ?2 parties a. The Maker/ Issuer 出票人(usu. importer or importers bank) b. The Payee/ holder 收款人/持有人 (usu. exporter or exporters bank),纽约A公司向巴黎B公司采购一批商品。价值为10，000美元，约定装运后30天付款。巴黎公司C向纽约公司D采购一批商品，价值为10,000美元。而公司B与C之间刚好存在某种业务关系，C将物品与劳动以借贷的方式提供给B。 他们之间的关系,美国公司A 法国公
30、司B美国公司D 法国公司C,商品,现金,商品,现金,现金,商品,案例1的本票解决方案？,美国公司A 法国公司B美国公司D 法国公司C,商品,现金,商品,现金,现金,商品,案例1的本票解决方案？,_开立一张本票交给_，以此作为对B保证履行债务义务的债权凭证。 B将本票背书转让给C来履行其对C的债务。同样，C可以将该本票背书转让给D来履行其对D的债务。,美国公司A,B,Sample of Promissory note,Promissory Note For GBP800.00 London, 8th Oct. 2010At 60 days after date we promise to pay
31、 against the Promissory Note to the order of Bank of China the sum of GBP800.00 (say EIGHT HUNDRED ONLY) payable in Beijing, China.For Bank of Europe, London(signature),NOTE: 1. Commercial promissory notes or traders notes are rarely used in international trade practice. 2. Bankers promissory notes,
32、 or bankers notes are more widely used in international trade today.,Learning Focus,Draft 汇票DefinitionParties involvedContentTypes Promissory Note 本票 Check 支票DefinitionParties involvedTypes * Acts of Draft 票据行为,Checque / check 支票,An unconditional written order addressed by the customer (drawer 出票人)
33、to a bank (drawee 受票人) authorizing the bank to pay on demand a specified sum of money to or to the order of a named person or to bearer (payee 收款人).支票是出票人签发的，委托办理支票存款业务的银行或者其他金融机构在见票时无条件支付确定的金额给收款人或者持票人的票据。,Checque / check 支票,3 parties are involvedThe DrawerThe Drawee/ Payer (always a Bank) The Paye
34、e (trader / bank),Cheque / check 支票,NOTE:A check is a special kind of draft in that the drawee is always a bank with which the drawer has an account.A check is always paid upon presentation 凭票支付 except that when the drawer does not want the payee to collect the money immediately, the drawer can post
35、date 填上较晚日期 the check.,纽约A公司向巴黎B公司采购一批商品。价值为10，000美元，约定装运后30天付款。巴黎公司C向纽约公司D采购一批商品，价值为10,000美元。而公司B与C之间刚好存在某种业务关系，C将物品与劳动以借贷的方式提供给B。 他们之间的关系,美国公司A 法国公司B美国公司D 法国公司C,商品,现金,商品,现金,现金,商品,案例1的支票解决方案？,假如A公司的资金账户银行为纽约ABC银行。A公司可以通过开立支票来履行其对B的债务。 B公司拿到支票以后，可以将支票背书转让给C来履行其对C的债务。同样，C可以将该支票背书转让给D来履行其对D的债务。 支票到期以后
36、，D拿着票据到ABC银行提示付款。得到付款后，ABCD之间的债务关系全部得到清偿。,案例1的支票解决方案？,Types of check,Standards of Classification: Whether the check can be paid to the order of somebody or to somebody to bearer Whether or not the Check is crossed: According to PRC Law of Negotiable Instruments Whether or not the Check will be disho
37、nored.,Types of check,According to the check can be paid to the order of somebody or to somebody记名支票（Cheque payable to order）：在支票的收款人一栏，写明收款人姓名，如“限付某人”(Pay A Only)或“指定人”(Pay A Order)，取款时须由收款人签章，方可支取。to bearer空白支票（Cheque payable to bearer）：支票上不记载收款人姓名，只写“付来人”(Pay bearer)。取款时持票人无须在支票背后签章，即可支取。此项支票仅凭交付
38、而转让。,Sample of Check,Cheque For U.S. $5,000 London, 8th Oct. 2010Pay to the order of United Trading Co. the sum of FIVE THOUSAND US DOLLARS. For Samuel and John Company, London(signature),Drawer 出票人,Payee 收款人,According to whether or not the Check is crossed: a. Crossed Check (划线支票) To prevent the ch
39、ecque from being falsely claimed in case the checque is lost, the drawer can draw two transverse lines on the checque. It is payable to banks ONLY, not to individuals.b. Uncrossed Check （未划线支票）It is payable to both individuals and banks. 注： 划线支票只能通过往来银行代为收款入账；未划线支票收款人可自行到付款行收款。,Types of check,划线支票,A
40、ccording to PRC Law of Negotiable Instruments :a. Transfer Check （转账支票）It is only payable to banks or other financial institutes. 转账支票只能用于银行或其他金融机构的转账结算;b. Cash Check （现金支票） It can only be cashed. 现金支票只能用于支取现金。（PRC 票据法第83条）,Types of check,According to whether or not the Check will be dishonored Cert
41、ified Check 保付支票 If the paying bank marked “certified“ with signature on the check, it is a certified check that will not be dishonored. Bounced Check 空头支票,Bounced Check The drawer is supposed to make sure that the sum of the Checque shall be no more than what he has deposited in the bank. Otherwise, the check will be dishonored and thus becomes a Bounced Checque （空头支票）, which is unlawful. 支票的出票人所签发的支票金额不得超过其付款时在付款人处实有的存款金额。出票人签发的支票金额超过其付款时在付款人处实有的存款金额的，为空头支票。,汇票、本票和支票的异同,
