TERMS OF PAYMENT,Unit five,本章学习目标, Understanding all types of international trade settlement； 了解国际贸易货款的各种结算方式； Understanding the application of remittance in international trade； 了解汇付在国际贸易中的应用； Understanding the application of collection in international trade； 了解托收在国际贸易中的应用； Master the application of letter of credit in international trade； 掌握信用证在具体贸易中的应用； Master the typical sentences and expressions in terms of payment. 掌握支付的惯用句型和表达法。,5.1 Letters about Discussing Terms of Payment,In international trade, different methods of payment are adopted, depending mainly on the relationship between the seller and the buyer. There are mainly three modes of payment in international trade: Remittance, Collection and Letter of Credit (L/C).,5.1.1 Usual Terms of Payment in a Sales Contract（销售合同的常用付款方式）,1. Remittance 2. Collection 3. Letter of Credit,1. Remittance,Remittance, as the simplest method of payment in international trade, means that a bank, at the request of its customer, transfers a certain sum of money to its overseas branch or correspondent bank, instructing it to pay a named person in that country.,2. Collection,A collection, a kind of commercial credit, refers to an arrangement whereby the seller draws a draft on the buyer and authorizes its bank to collect the money from the buyer.,3. Letter of Credit,A letter of credit, as a kind of banking credit, is a document issued by a bank stating its commitment to pay an exporter a stated amount of money on behalf of an importer so long as the exporter meets specific terms and conditions.,5.1.2 Sample Letters of Discussing Terms of Payment（讨论付款方式函电的范例）,1. L/C or collection 2. T/T or M/T,5.2 Letters about Usual Terms of Payment,5.2.1 L/C（信用证） 5.2.2 Collection（托收） 5.2.3 Remittance（汇付） 5.2.4 L/G and Standby L/C（保函和备用信用证） 1. L/G 2. Standby L/C,本章小结,国际贸易货款的支付主要涉及支付工具、支付时间、支付地点和信用等方面。支付方式多种多样，汇付、托收和信用证是采用最多的三种方式。 汇付是付款人通过银行，把款项汇给收款人的支付方式。汇付主要包括电汇、信汇和票汇三种方式。 托收是由卖方开具汇票，委托所在地银行，通过买方当地银行向买方收款。托收分光票托收和跟单托收两种。 信用证是银行根据进口人的请求，开给出口人的一种保证付款的书面凭证。信用证是国际贸易中最普遍使用的支付货款的方法，它属于银行信用，因此对买卖双方来说，既可靠又安全。 银行保函是银行根据申请人的请求，向受益人开立的、担保履行某项义务的、承担经济赔偿责任的书面承诺文件。 备用信用证是指银行根据合同一方当事人的要求而向另一方当事人所出具的、目的在于保证申请人履行某种义务并在该方未履约时，凭受益人所提交的表面上单单一致、单证一致的单据或文件代其向受益人做出一定支付金额的书面付款保证承诺。,