CollectingMoney知識目標：掌握收匯信的基本結構、相關專業術語和典型表達。能力目標：能夠根據實際情況運用相關術語和典型句式，準確、流暢地書寫各類各類收匯信。Learningobjectives商務知識（Businessknowledge）收匯信的基本結構（Letterstructure）寫信注意事項（Tipsforletterwriting）3Introduction商務知識收匯的概念通常賣方將貨物裝船后，取得全套裝船單據，保險單，原產地證書，商檢證書，商業發票，裝箱單，匯票向銀行交單索償。收匯，也就是指出口企業在出口貨物或提供服務等而產生的應收貨款,從境外匯入的外幣到境內指定收匯銀行的外幣賬戶上的過程。是因出口貨物或提供勞務等而產生的收入外匯款項，相當于收款。商務知識收匯的主要方式信用證方式收匯（Letterofcredit,L/C）托收方式收匯(Collection)

匯款方式收匯（Remittance）

付款方式

匯付

托收信用證

信匯

票匯

電匯

保兌信用證不可撤消信用證跟單信用證承兌

交單

付款交單即期付款交單見票遠期付款交單

TermsofPayment

RemittanceCollectionL/C

MailtransferDemanddraft

Telegraphictransfer

ConfirmedL/CIrrevocableL/CDocumentaryL/C

DocumentsagainstAcceptanceDocumentsagainstPaymentD/Patsight

D/Paftersight收匯信的基本結構催付信的基本結構（Body）（1）Referringtotherelativeorder，contractorL/C;（2）Complainingaboutthenon-receiptofthepayment;（3）Urgingthebuyertorushthepayment.（4）Expectingreceivingmoneyinearlytime.匯款信的基本結構匯款信的基本結構（Body）（1）Referringtotherelatedorder,contractorL/C;（2）Informingthesettlementofthepayment;（3）Remindingthedocumentarysubmission.寫催付信的注意事項1.用信用證方式收匯，賣方裝船后，取得全套裝船單據后向銀行交單索償，此時可寫信催促買方盡快付款2.單據寄到開證行后，往往會因為種種原因遭行拒付。前期的審證工作尤為重要。3.遇到各種付款問題要及時溝通協商，提出解決意見。寫收匯信的注意事項寫收匯信的注意事項寫付款信的注意事項1.付款后大部分進口商會以電子郵件的形式通知供應商，表示款項已付。2.付款信中需提請供應商提供正本提單或者安排電放。3.寫信時也可應供應商要求提供銀行水單。Task1Task2Task312TasksTask1假設你是南京紡織品進出口公司出口部的經理Brighten（NanjingTextilesImport&ExportCorporation；E-mail：Brighten@N）。因第CA112017合同項下的商品已經裝運，需寫信給買方美國漢森公司的進口部經理BlackJones（GHanson&Co.Ltd.；E-mail:BlackJones@GHC.com），催促其支付貨物余款。信中應包含以下內容：（1）提及此筆交易的合同號或訂單號；（2）說明催促買方付款的理由；（3）催促買方盡快付款，提醒對方不能及時支付貨款的不良后果。（4）結束語Sample1To:BlackJones@GHC.comFrom:Brighten@NSubject:

AskingforthePaymentDearMr.BlackJones,WewishtoinformyouthattheconsignmentundertheS/CNo.CA112017hasbeenshippedyesterdayviaS.S.“Peace”.Wewishthegoodswouldreachyouingoodcondition.NowwefaxthecopyoftheB/Ltoyou,andremindyoutomakethebalanceofpaymentwithinoneweek.Oncewereceiveyourpayment,theB/LandotherdocumentswillbesentbyExpress.Howeveriftheremittancedoesn’treachuswithinoneweek,weshallinformedourshippingagenttostopshippingagenttostopshippingandshipback.Itwillbeyouwhobreachthecontractandwillberesponsibleforit.Pleaseletusknowwhenyouhavesettledthepayment.BestRegards,BrightenTask2美國漢森公司的進口部經理BlackJones（GHanson&Co.Ltd.；E-mail:BlackJones@GHC.com）回函告知南京紡織品進出口公司出口部的經理Brighten（NanjingTextilesImport&ExportCorporation；E-mail：Brighten@N）己方已敦促開證行付款。信中應包含以下內容：（1）提及此筆交易的合同號或信用證號；（2）說明貨款或余款已付；（3）提醒對方及時轉運并提供正本提單或安排電放；（4）對于對方的合作表示感謝。Sample2To:Brighten@NFrom:BlackJones@GHC.comSubject:PaymentSettledDearBrighten,InreplytoyourletterofJuly1,2017,wearegladtoinformyouthatwehaveinstructedourbank,theCitibank,toacceptyourL/CNo.2017ABC107.Onceyoureceivethepayment,pleasesendustheoriginaldocuments.TelexreleaseisOKforus.Thankyouinadvanceforyourcooperation.BestRegards,BlackJonesLetter1Letter2Letter3Letter417MorelettersforreferenceLetter1DearMr.Black,WewishtoinformyouthatthegoodsundertheS/CNo.CA112017havebeguntheproduction.Thegoodswillbereadyforin15days.Inordertoeffecttheshipmentwithinthestipulatedtimelimit,wouldyoupleasecheckthebalanceofpayment.Fewbusinesstodaycanoperatewellwithoutagoodcredit.BynotpayingthebalanceofUSD37850thatyouoweus,youareriskingyourcreditstandingandmakingitharderforyourcompanytooperate.Youdonotwanttoruinyourcreditstanding,andneitherdowe.Welookforwardtoreceivingyourearlyreply.BestRegards,BrightenLetter2DearMr.Carven,Asrequestedinourcontract,weshouldpaythe30%shipmentfirstly,sowehaveinstructedourbank,theBOCNanjingBranchtotelegraphthesumforthecreditofyouraccountattheBankofAmerica,NewYork.Pleasesentusyourofficialreceiptandletmeknowtheinformationabouttheproduction.BestRegards,AliceWangYangzhouArronToyImport&ExportCo.LtdE-mail:Alice@ALetter3DearJohn,I’msorrytoinformyouthatwehaven’treceivedyourpayment.Couldyoukindlyre–checkit?Pleasealsosendusthebankreceiptforrecord.Bestregards,SamLiuLetter4DearMr.Gray,WewereinformedfromourbankthatouraccountwasaddedEUR250aswiretransfer.Sincewe’veconcludethepreviousbusinesslastweek,Iassumethatthemoneybelongstoyourothersupplier,right?IsitpossibletoreturnthemoneytoyoubycheckorcashwhenyoucometoChinanextmonth?Ifyouareencounteringproblemswhenmakingpayment,pleaseletmeknow.Thanksandbestregards,CharlieLee.22TypicalExpressionsWehavearrangetheshipmentbutuntilnowwehavenotreceivedthebalanceofpayment.我方已安排裝運，但到目前為止我方還未收到余款。ItwouldbeadvisabletoforyoutosettlethebalanceASAP.

對你方來說，盡快付清余款，提取貨物時明智的。Whatdatecanweexpecttoreceiveyourpayment?

請問我放什么時候能夠收到您的貨款？

5.1UrgingthepaymentThemethodofpaymentshouldbedecidedthroughnegotiationbetweenus.最終的付款方式需要通過我們雙方協商決定。IfyouinsistonL/Cpayment,wewillturntoothersuppliers.如果你方堅持使用信用證付款方式，我方將轉向其他供應商。

Ouracceptanceofpaymentbycleancollectionisinfactawayofconcessioninprice.

我方接受光票托收的付款方式是在價格上的一個妥協。

5.2 TermsofpaymentLOREMIPSUMDOLORI’msureyouwillreceiveourpaymentnolaterthannextMonday.

我確保你們下周一之前會收到貨款。PleasedothewiretransfertoouraccountofBankofChina.請電匯到我方中國銀行的賬號。Gladtoinformyouthatwehavereceivedyourremittance.很高興地通知您我們已經收到貴公司的匯款。

5.3 CollectingtheMoneyPleaseacceptourapologiesforthewrongtransfer.請原諒，我們匯錯款了。

Wewillreturnthemoneyatourearliestconvenience.我們會盡快給您安排退款。

SorryourbankaccountcouldonlyreceiveUSDandEUR.抱歉我們的銀行賬戶只能接受美元和歐元。

5.4 Errorsinpayment

Weshallhighlyappreciateitifyoupaypromptattentionstothismatterandgiveusresponseattheearliestconvenience.如果你方能對此事給予及時關注和回應，我方將不甚感激。WeappreciateyourimmediateattentiontotheamendmenttothecoveringL/C.感謝你方及時修改相關信用證。

5.6 UrgingthebuyertoamendorextendtheL/C.跨境電商貿易結匯方式28TipsforCross-borderE-commerce跨境電商貿易中，大額外匯收支可使用傳統的結匯方式，也可正常退稅。但目前訂單出現了碎片化的特點，尤其是一些跨境電商B2C交易額很小、交易分散，使用傳統銀行的結匯成本非常高。因此出口企業需要一些處理方便，收費不高的結匯方式。

跨境電商貿易結匯方式

大額跨境電商貿易主要集中在B2B交易中。B2B貿易可按常規方式報關，按常規方式結匯、退稅?？缇畴娚藼2B在支付環節，企業多采用傳統的電匯、信用證方式完成支付，也可