1、Unit 9Terms of PaymentInternational Settlement 國際結算國際結算 指為清償國際間的債權債務為目的的不同指為清償國際間的債權債務為目的的不同的貨幣收付方式。國際結算研究的對象是以清的貨幣收付方式。國際結算研究的對象是以清償債權債務為目的的不同的貨幣收付方式。償債權債務為目的的不同的貨幣收付方式。 Legal Basis 法律基礎法律基礎國際結算和法律密切相關，國際結算和法律密切相關， 涉及有關的國際法、國涉及有關的國際法、國內法和國際慣例。內法和國際慣例。國際法國際法International Law1. 聯合國國際貨物買賣合同公約聯合國國際貨物買賣

2、合同公約United Nations Convention On Contracts For the International Sales of Goods2. Convention on International Bill of Exchange and International Promissory Note of the United Nations聯合國聯合國國際匯票和國際本票公約草案國際匯票和國際本票公約草案、國際支票公約草案國際支票公約草案3.日內瓦統一匯票、本票法公約日內瓦統一匯票、本票法公約和和日內瓦統一日內瓦統一支票法公約支票法公約-日內瓦統一法日內瓦統一法國內法國內法

3、 domestic law1.中華人民共和國票據法1995年5月10日2.中華人民共和國外匯管理條例 1996年1月8日3.中國人民銀行制定的結匯、售匯及付匯管理規定國際慣例國際慣例 International Practice1.跟單信用證統一慣例Uniform Customs and Practice for Documentary Credit, ICC Publication No.600, UCP 6002.托收統一規則Uniform Rules for Collection , URC 5223.見索即付保函統一規則Uniform Rules for Demand Guarante

4、es ,URDG458 13 國際商會International Chamber of Commerce 制定4.國際保付代理慣例CIFC, 1994 國際保理商聯合會制定 ICC: /International sales of commodities, the main issues concerning the settlement of payment are means of payment, time and place of payment, and mode of payment etc. Issues in this aspect sh

5、ould be clearly specified in the contract by the parties concerned. the main issues concernedMeans of payment include settlement in cash and settlement with bill. Most of the payment in international trade is not settled in cash but with bills such as draft, promissory note and check, among which dr

6、aft are widely used. SOME CONCEPTS OF TERMS OF PAYMENTPromissory NoteCheck/chequeDraft/Bill of ExchangeModes of Payment include: remittancecollection Letter of Credit托收:通過付款交單（D/P）,或承兌交單（D/A）來進行。付款交單要求在提交貨運單據時交付貨款。又分即期付款交單和遠期付款交單。承兌交單要求在提交貨運單據的時候買方對出口商開立的匯票進行承兌。 Documents used in international settl

7、ementl*Commercial Invoice/Paper 商業發票商業發票Packing List 裝箱單裝箱單Certificate of Origin產地證產地證*Insurance Policy*Marine Bill of Lading, B/L 海運提單海運提單Combined Transport Document, CTD 聯合運聯合運輸單據輸單據Airway Bill空運單空運單Railway Bill 鐵路運單鐵路運單Writing Principles of Letters of Payment Terms state clearly the current situa

8、tion and the problems raise the specific requirement make a definite reply. If declining the request of payment, youd better use the friendly mood giving detailed reasonsWriting Principles of Letter Pressing for Payment Be polite and dont threaten your customer. Strive for clarity. To the point of a

9、sking for payment telling out the amount, the expected date of payment. Send this kind of letter at the intervals to lessen the pressing way. To avoid hurting your customer, youd better add the sentence like this: “If money has been remitted, please dont mind this letter.”Letter One(Asking to establ

10、ish L/C as the terms of payment)Dear Sirs, We appreciate your order for 20 metric tons of canned mushroom but regret being unable to accept your terms of payment mentioned. In our last letter we sent you a copy of our specimen contract stating clearly our general sales terms and conditions. If you h

11、ave read the specimen contract you will notice that our usual terms of payment are by confirmed, irrevocable letter of credit in our favor, available by draft at sight, reaching us one month ahead of shipment, remaining valid for negotiation in China till the 21st day after the prescribed time of sh

12、ipment, and allowing transshipment and partial shipments. 感謝您訂購感謝您訂購2020公噸蘑菇，但遺憾地告知您我們無法接受公噸蘑菇，但遺憾地告知您我們無法接受您提到的付款方式。您提到的付款方式。 在我們發給你的上一封信中在我們發給你的上一封信中, 我們附了一個樣本合同我們附了一個樣本合同, 清清楚地規定了我們的一般銷售條款。如果您查閱了樣本合楚地規定了我們的一般銷售條款。如果您查閱了樣本合同同, 您會發現我們通常采用保兌的、不可撤銷的、以我方您會發現我們通常采用保兌的、不可撤銷的、以我方為受益人的信用證，憑即期匯票付款，在裝運前一個月為

13、受益人的信用證，憑即期匯票付款，在裝運前一個月抵達我處，在中國議付，有效期到規定的裝運期后第抵達我處，在中國議付，有效期到規定的裝運期后第21天，并且允許轉船和分批裝運。天，并且允許轉船和分批裝運。 We wish to inform you that some European companies had already done business with us in accordance with the above-mentioned terms. We hope that you will come to agree with us in this concern and succe

14、ssfully conclude the first deal between us as soon as possible.我們希望告知您, 一些歐洲的公司已經按照上述條款跟我們達成交易。我們希望您能跟我們就此事達成一致，并盡快跟我們完成第一筆交易。 We will send you the contract upon your favorable reply in order to allow enough time to prepare the goods. We await your early reply.Yours truly,James Wang 一收到您肯定的回復，我們就會寄給

15、您合同以便有足夠的時間備貨。 期待您早日回復。Letter Two(Advice of establishment of L/C)Dear Sirs, Re: L/C No.L89 We write to inform you that we have now opened a confirmed, irrevocable, letter of credit No. L89 in your favor for USD 36000 with the Commercial Bank of Arizona, valid until October 16th. You are authorized t

16、o draw a draft at sight for the amount of invoice after shipment is made. The bank will require you to present the following documents before making payment:Bill of Lading in triplicateCommercial Invoice in 5 copiesPacking listCertificate of Insurance in 2 copiesCertificate of OriginWe are looking f

17、orward to your shipment as soon as possible.事由事由: L/C No. L89 : L/C No. L89 我們在此告知您，我們已經通過亞利桑那商業銀行開立保兌的、我們在此告知您，我們已經通過亞利桑那商業銀行開立保兌的、不可撤銷的、編號為不可撤銷的、編號為L89L89的信用證，以你方為受益人，金額為的信用證，以你方為受益人，金額為3600036000美元，有效期到美元，有效期到1010月月1616日。您在裝運后有權就發票金額日。您在裝運后有權就發票金額開立即期匯票。銀行方面將會要求您提供下列單據以便向您付開立即期匯票。銀行方面將會要求您提供下列單據以

18、便向您付款：款：一式三份的提單一式三份的提單5 5份商業發票份商業發票裝箱單裝箱單2 2份保險單份保險單原產地證明原產地證明期待你方盡早裝運。期待你方盡早裝運。Letter ThreeAsking for amendment to L/CWe are in receipt of your letter dated August 28 informing us of the establishment of the L/C No. L89 against our S/C No.56. However, we regret to find that there are some discrepan

19、cies, which are not in conformity with the contract. We hereby list these discrepancies as follows for your attention:我們已收到您8月28日的來信，信中告知我們根據我們的56號銷售合同已經開立L89號信用證。不過，我們遺憾地發現有一些跟合同不符的地方。我們在此將不符之處列出請你方注意： 1. The name of the beneficiary should read “Yantai Hope Import & Export Corporation” instead

20、of “Yantai Hope Corporation” as appeared on the current L/C. 2.Please change the “with partial shipments and transshipment prohibited” to “with partial shipments and transshipment allowed”.1受益人的名稱應為“煙臺希望進出口公司”，而不是目前信用證上顯示的“煙臺希望公司”。2. 請將“不允許分批裝運和轉船”改為“允許分批裝運和轉船。”We suppose that the above mistakes are

21、 clerical and hope you will make necessary amendments without delay by fax in order for us to make the shipment in time. Your early reply is highly appreciated.我們希望上述錯誤屬于筆誤，并希望您能立即修改并傳真告知我們，以便按時裝運。 希望得到您的早日回復。 Letter FourAsking for extension of L/CDear Sirs,Re: Sales Confirmation No. SC02We regret t

22、o inform you that we did not receive your L/C covering the above Sales Confirmation until today. It is clearly stated in the above contract that the related L/C should reach us no later than the end of November. Although it is already very late for your L/C to arrive, we are still going to make the

23、shipment for your order recognizing the long-term business relationship with your company.我們遺憾地通知您，我們至今沒有收到上述銷售確認書項下的相關信用證。上述合同中明確規定相關信用證應該最晚不遲于11月底到達我處。雖然您信用證抵達已經會很晚，我們仍然著眼于跟貴公司長期業務關系的考慮將會給您發貨。 Nevertheless, we are unable to ship the goods in accordance with the date specified in the S/C due to the

24、 delay caused by the L/C. You are supposed to extend the L/C as follows:1. To extend the time of shipment to the end of January next year.2. To extend the validity of the L/C to February 15, 2009不過，由于信用證的延遲，我們將無法按照銷售合同書中規定的時間裝運。你方必須將信用證進行如下延展：1.將裝運期延展到明年1月底。2.將信用證有效期延展到2009年2月15日。 Please make sure t

25、his time that the above-mentioned amendment to L/C should be made before the end of December this year since otherwise we will be unable again to effect shipment according to the extended time limit mentioned above.We await your prompt reply.請注意上述信用證的修改應該在今年12月底之前做出，否則我們將再次無法根據上述延展期限實現裝運。希望得到您盡快回復。

26、Letter Five(reply to the letter asking for extension of L/C)Dear Sirs, We have received your letter on December 10 asking us to extend the validity of the related L/C to February 15, 2009 and the time of shipment to the end of January next year respectively.SC02號銷售確認書 我們已經收到您12月10的來信，信中要求我們將相關信用證延展到

27、2009年2月15日，并且將裝運期延展到明年1月底。We are aware of the fact that if we cannot send you the L/C by the end of November at the latest, you will not be able to catch the shipment deadline stipulated in the related S/C. However, since we have to go through certain procedures in order to apply for the import lice

28、nse, we could not open the L/C earlier. The import license will only be valid until the beginning of January 2009. 我們知道，如果我們最晚不能在11月底將信用證寄達你處，你方將無法按照相關銷售確認書的規定趕上裝運期。不過，由于我們必須通過特定程序來申請進口許可證，所以我們無法更早開立信用證。進口許可證將在2009年1月初到期。 We will try our best to provide support but as there is no possibility to exte

29、nd the import license under the current circumstances, we regret having to say that it is beyond us to make any extensions to the above L/C.Please try your best to effect the shipment in time and we appreciate your effort made in this concern. 我們將盡全力提供支持，但由于目前情況下沒有可能將進口許可證延展，所以我們很遺憾地告知您，我們無法對上述信用證進行

30、延期。 請盡力按時裝運，我方非常感謝你方為此所做的努力。 Letter 6 (Request for D/A payment)Thank you for your letter dated on Sep.7.We are pleased that you have effected shipment in time, but we are surprised that you still require us to make the payment by an L/C. After many years of sound cooperation, we have the feeling tha

31、t we are entitled to easier terms. In fact, many of our old business partners have adopted D/A 60 days as terms of payment with us. We would appreciate it very much if you could follow suit in this regard. We are looking forward to your favorable reply. 感謝您9月7日的來信。 我們非常高興您已經按時發貨，但我們很驚訝地發現你方要求我們采用信用證

32、方式付款。經過了多年的良好合作，我們認為我們有權享受更簡易的付款方式。實際上，我們很多老客戶都已經采用60天承兌交單的付款方式。如果您也能采用相似做法我們將不勝感激。 期望得到您早日肯定的回復。 Letter 7Urging establishment of L/CDear Sirs,We wish to inform you that the goods under S/C No.76 have been ready for quite some time. According to the stipulations in the covering S/C, shipment is to b

33、e made during May/June. We sent you an email two weeks ago asking you to expedite the relevant L/C. But much to our disappointment, we have not received any reply up to now. We, therefore, again ask for your attention in this issue.我們希望告知貴方，銷售確認書76號項下貨物備妥已經有一段時間了。根據相關銷售確認書的規定, 貨物應該在5、6月間裝運。兩周前我們曾經發給

34、你們一份電子郵件, 要求你們從速開立有關信用證。但我們非常失望，我們迄今尚未收到任何答復。因此，我們再次提請您注意。The shipment date is approaching. We must point out that unless your L/C reaches us by the end of this month, we shall not be able to effect shipment within the stipulated time limit.We hope this letter will receive your prompt attention.裝運期臨

35、近，我們必須指出，除非你方信用證在本月底前到達我處，我們將無法在規定的限期內裝運。希望本信能得到你方立即關注。 Letter 8Reply to urging to establish L/CWe have received your letter dated on April 20 urging us to establish the covering L/C for the order for air conditioners.We are very sorry for the delay in establishing the L/C and for the consequent tro

36、uble caused. The delay is mainly due to the communication error that happened within our organization. Nevertheless, we have immediately opened the relative L/C with the Bank of China upon our receipt of your last letter. We believe that you should get hold of one copy of L/C by now.我們已經收您4月20日的來信，催

37、促我們開立空調訂單的相關信用證。對于信用證開立過程中的延遲以及所造成的后果我們深表歉意。延遲主要是由于我們公司內部溝通的問題。不過，我們已經在收到您信之后立即通過中國銀行開立了相關信用證。我們相信您現在應該已經收到了。Please allow us to express our apology again and we promise that such mistakes will not take place in our future transactions. Thank you again for your understanding in advance.請允許我們再次表達我們的歉，

38、并承諾以后業務中不再發生此類錯誤。再次提前感謝您的理解。 . Put the following English phrases into Chinese or Chinese phrases into English.1. 收到 2. 裝船 3. 筆誤 4. 同一致 5. 一般銷售條款6. transshipment 7. in favor of 8. request 9. D/P 10. deadline. Translate the following Chinese Sentences into English.1. Please note that payment is to be

39、made by confirmed, irrevocable L/C allowing partial shipment and transshipment, available by draft at sight. 2. It has been our usual practice to do business with payment by D/P at sight instead of by L/C. We should, therefore, like you to accept D/P terms for this transaction and future ones. 3. Yo

40、ur proposal for payment by time draft for Order No.1156 is acceptable to us, and we shall draw on you at 60 days sight after the goods have been shipped. Please honor our draft when it falls due. 4. Please note that the terms in L/C should be strictly in conformity with those in contract. 5. We are

41、pleased to inform you that an L/C in your favor has been opened with HSBC and will reach you soon. . Choose the best word(s) or phrase(s) to complete each of the following sentences.1. C 2. D 3. D 4. C 5. C 6. B 7. B 8. A 9. C 10. D . Translate the following letter into English. Thank you for your letter dated Nov. 8 asking us to deliver one lot of nuts by D/A. As everybody knows, our payment is by confirmed, irrevocable L/C at sight, therefore, we can not meet your requirement. However, in view of our good will to push the sa