商務(wù)英語函電Chapter 8

1、商務(wù)英語函電 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支付條款支付條款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 for t

3、he purpose of settling accounts, debts, claims, etc.國際結(jié)算國際結(jié)算Types of international settlement. usually is divided into three broad categories: -remittance -collection -letter of credit. International customs and practices(1)International Practices concerning Bills 票據(jù): Bill of Exchange Act,1882, 英國票據(jù)

4、法 英美法系票據(jù)法的典型代表 Geneva Uniform Bill Act. 日內(nèi)瓦統(tǒng)一票據(jù)法 大陸法系票據(jù)法的代表（2）International Practices concerning Settlement: Uniform Rules for Collection, ICC Publication No.522 托收統(tǒng)一規(guī)則 簡稱 URC522 Uniform Customs and Practice for Commercial Documentary Credits, 1993 Revision, ICC Publication No.500 跟單信用證統(tǒng)一慣例 簡稱UCP500

5、 2007 UCP600Banking network Commercial banks have the following net works -correspondent bank or correspondents 代理行 或業(yè)務(wù)往來行 - branch& sub-branch ( also called sister bank) 分行和支行 Payment Instruments支付工具支付工具 Learning FocusDraft 匯票l Definitionl Parties involvedl Contentl Types Promissory Note 本票Check 支票

6、l Definitionl Parties involvedl Types * Acts of Draft 票據(jù)行為Definition of Draft Draft 匯票 is an unconditional written order signed by one party (drawer 出票人出票人) requiring a second party (drawee 受票人受票人/ payer 付款人付款人) to make payment in lawful money immediately or at the determinable future time to the th

7、ird party ( payee 收款人收款人) . 匯票是出票人簽署的無條件執(zhí)行的書面命令，要求第二方即受票人/付款人立即或在未來某一特定時(shí)間內(nèi)以法定貨幣付款給第三方即收款人。Parties Involved c. 收款人 (usu. Exporter or Exporters bank) DRAWERDRAWEE/ PAYERPAYEEDRAFT/ORDERa. 出票人 (usu. Exporter or Exporters bank) b. 受票人受票人/付款人付款人 (usu. Importer or Importers bank) 紐約A公司向巴黎B公司采購一批商品。價(jià)值為10，0

8、00美元，約定裝運(yùn)后30天付款。巴黎公司C向紐約公司D采購一批商品，價(jià)值為10,000美元。而公司B與C之間剛好存在某種業(yè)務(wù)關(guān)系，C將物品與勞動(dòng)以借貸的方式提供給B。 他們之間的關(guān)系：New York Paris美國公司A 法國公司B美國公司D 法國公司C商品商品現(xiàn)金現(xiàn)金商品商品現(xiàn)金現(xiàn)金現(xiàn)金現(xiàn)金商品商品 1. _ 公司開立一張匯票，收款人是 _付款人是 _。 匯票開立后，B將匯票交給 C.B將其對(duì)A的債權(quán)轉(zhuǎn)讓給C，委托A對(duì)C直接支付來解決其對(duì)C該履行的債務(wù)。以此解決B與A,A與C之間的債權(quán)債務(wù)關(guān)系.New York Paris美國公司A 法國公司B美國公司D 法國公司C商品商品現(xiàn)金現(xiàn)金商品商品

9、現(xiàn)金現(xiàn)金現(xiàn)金現(xiàn)金商品商品法國法國B法國公司法國公司C美國公司美國公司A 2. 法國公司C收到匯票后，為了清償其對(duì)美國公司D的債務(wù)，可以將以上匯票通過背書背書轉(zhuǎn)讓給D，由D去向A提示提示匯票，要求A付款。New York Paris美國公司A 法國公司B美國公司D 法國公司C商品商品現(xiàn)金現(xiàn)金商品商品現(xiàn)金現(xiàn)金現(xiàn)金現(xiàn)金商品商品a.匯票由出口商出具，寄送給進(jìn)口商，資金的流動(dòng)方向與匯票遞送方向相反，稱為“逆匯”。b.匯票由進(jìn)口商向銀行申請(qǐng)開立，寄送給出口商，資金的流動(dòng)方向與匯票遞送方向相同，稱為“順匯”。A Typical DraftEXCHANGE for U.S.$236000.00 Shangha

10、i, May25,2007 At 30 days sight of this FIRST of Exchange（Second of the same tenor and date being unpaid）pay to the order of Bank of China Shanghai Branch the sum of U.S. dollars TWO HUNDRED AND THIRTY-SIX THOUSAND ONLY value received. To: J & H Company For: China Machinery & Equipment 85 Malya Road

11、Import & Export Corp.,S.B. New York, U.S.A (Signed)Drawee受票人受票人Drawer出票人出票人Payee收款人收款人小寫貨幣金額小寫貨幣金額大寫貨幣金額大寫貨幣金額1. According to the identity of drawer/drawee a. Bankers Draft （銀行匯票） b. Commercial Draft （商業(yè)匯票）2. According to whether or not commercial documents are attached a. Clean Bill （光票） b. Documen

12、tary Bill （跟單匯票）3. According to the time of payment a. Sight/Demand Draft （即期匯票） b. Time/Usance/Term Draft （遠(yuǎn)期匯票） Types of Draft 1. According to the identity of drawer/drawee a. Bankers Draft （銀行匯票） Draft drawn among banks. It is mainly used in settling payment obligations between banks. b. Commerci

13、al Draft （商業(yè)匯票） Draft drawn among traders/companies. It is the mostly used instrument in world trade.Types of Draft Drawee/ Payer受受票人票人/付款人付款人2. According to whether or not commercial documents are attacheda. Clean Bill （光票） paid without the presentation of any other documents attached . A bankers d

14、raft is usually clean. b. Documentary Bill （跟單匯票：） can be paid only when certain 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

15、匯票） Payment is to be made at the sight of the draft.b. Time/Usance/Term Draft （遠(yuǎn)期匯票） 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 Translationwe propose to pay by Bill of Exchange at 30 da

16、ys, documents against acceptance. Please confirm if it is acceptable to you.我們建議以見票后30天付款的匯票承兌交單方式支付。如你方能接受，請(qǐng)確認(rèn)。we agree to draw on you a sight draft through a bank for the value of the goods ordered.我們同意通過銀行開出即期匯票向你方收取貨款。Acts of Draft 票據(jù)行為票據(jù)行為 The major acts of draft include Issue 出票, Presentation

17、提示, Acceptance 承兌, Payment支付, Endorsement 背書, Discount 貼現(xiàn)，Dishonor 拒付, and Recourse 追索. Issue （出票）（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. 出票人簽發(fā)匯票并交付給收款人的行為。 Acts of Draft 票據(jù)行為票據(jù)行為 Presentation （提示）（提示） Presentation re

18、fers to the fact that the Bearer delivers the draft to the Payer for payment or acceptance. 持票人將匯票提交付款人要求付款或承兌的行為。a. Presentation for payment （付款提示）（付款提示）b. Presentation for Acceptance（承兌提示）（承兌提示） Acts of Draft 票據(jù)行為票據(jù)行為Acceptance （承兌）（承兌） Acceptance means that the Payer accepts the time draft， signi

19、ng “accepted” on the draft with date and signature. 付款人在持票人向其提示遠(yuǎn)期匯票時(shí)，在匯票上簽名，承諾于匯票到期時(shí)付款的行為。具體做法是付款人在匯票正面寫明“承兌（Accepted）”字樣，注明承兌日期，于簽章后交還持票人。Note: The acceptor (承兌人承兌人) is legally bound by acceptance.Endorsement （背書）（背書） Endorsement means the endorser/bearer signs his name on the back of the draft, in

20、dicating the title of the draft is transferred to another party /endorsee. It is an act of negotiation （轉(zhuǎn)讓）（轉(zhuǎn)讓）.背書人/轉(zhuǎn)讓人在匯票背面簽上自己的名字，并記載被背書人的名稱，把匯票權(quán)利轉(zhuǎn)讓給被背書人即受讓人。受讓人成為持票人，是票據(jù)的債權(quán)人。受讓人有權(quán)以背書方式再行轉(zhuǎn)讓匯票的權(quán)利。 Acts of Draft 票據(jù)行為票據(jù)行為Types of Endorsement （背書）（背書） 1). Blank endorsement （空白背書（空白背書/不記名背書）不記名背書）2). S

21、pecific endorsement （記名背書）（記名背書） 3). Restrictive endorsement （限定背書）（限定背書） Acts of Draft 票據(jù)行為票據(jù)行為Types of Endorsement （背書）（背書） 1). Blank endorsement （空白背書（空白背書/不記名背書）不記名背書） The draft specifies NO endorsee and can be transferred many times. FOR C COMPANY (SIGNED) * C company 是背書人 Acts of Draft 票據(jù)行為票據(jù)行

22、為Types of Endorsement （背書）（背書） 2). Specific endorsement （記名背書）（記名背書） The draft specifies AN endorsee with “ pay to order” or “pay to order of” and can be transferred many times.PAY TO THE ORDER OF D COMPANY FOR C COMPANY (SIGNED)* D company 是被背書人， C company 是背書人Acts of Draft 票據(jù)行為票據(jù)行為Types of Endorse

23、ment （背書）（背書） 3). Restrictive endorsement （限定背書）（限定背書） The draft specifies just ONE endorsee with “pay to only”, thus forbidding further negotiation. uPAY TO D COMPANY ONLLY FOR C COMPANY (SIGNED)u PAY TO D COMPANY NOT TO ORDER FOR C COMPANY (SIGNED)Acts of Draft 票據(jù)行為票據(jù)行為Discount （貼現(xiàn)）（貼現(xiàn)） If the Bea

24、rer 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 貼現(xiàn)指遠(yuǎn)期匯票遠(yuǎn)期匯票（經(jīng)進(jìn)口商）承兌后，尚未到期。出口商為了提前獲得貨款提前獲得貨款，將匯票轉(zhuǎn)讓給銀行，由銀行從票面金額票面金額（face value) 中扣減按一定貼現(xiàn)率貼現(xiàn)率（discount rate)計(jì)算的貼現(xiàn)利息貼現(xiàn)利息(discount interest)后，將余款余款付

25、給持票人（出口商）的行為。Acts of Draft 票據(jù)行為票據(jù)行為 Dishonor （拒付）（拒付） The draft is dishonored when the Drawee refuses to accept the draft or make the payment. Recourse (追索追索)出現(xiàn)拒付，持票人有追索權(quán)。即有權(quán)向其前手（背書人、出票人）要求償付匯票金額、利息和其他費(fèi)用的權(quán)利。Acts of Draft 票據(jù)行為票據(jù)行為Write a Draft as required below. 杭州景程進(jìn)出口公司向新加坡Optrex公司出售玩具一批，發(fā)票總金額為USD1

26、256.00。承運(yùn)人來電告知貨已到達(dá)目的地?，F(xiàn)出口商欲收回貨款，于2010年12月15日向進(jìn)口商開立匯票，要求進(jìn)口商見票后15天按照發(fā)票金額全額付款。 注：出口商收款銀行為 “中國銀行浙江省分行”，進(jìn)口商地址為 Hyde Road 12#, Singapore City, Singapore.Exercise: Bill of ExchangeSingapore City, Singapore. Learning FocusDraft 匯票l Definitionl Parties involvedl Contentl Types Promissory Note 本票Check 支票l Def

27、initionl Parties involvedl Types * Acts of Draft 票據(jù)行為Definition of Promissory Note The promissory note 本票 is an unconditional promise in writing made by one person (the maker 出票人出票人) to another (the payee / holder 收款人收款人/ 持票人）持票人） signed by the maker to engaging to pay on demand or at a fixed or det

28、erminable time a certain amount of money to or to the order of a specified person or to bearer 持有人. 本票是由出票人簽名發(fā)出給持票人/收款人的無條件書面承諾，保證一經(jīng)要求或在未來的一個(gè)安排好的日期即支付一個(gè)特定數(shù)目的款項(xiàng)給某個(gè)特定的人或他指定的人或持票據(jù)人。How many parties are involved in promissory note ?2 parties a. The Maker/ Issuer 出票人 (usu. importer or importers bank)b. T

29、he Payee/ holder 收款人/持有人 (usu. exporter or exporters bank) 紐約A公司向巴黎B公司采購一批商品。價(jià)值為10，000美元，約定裝運(yùn)后30天付款。巴黎公司C向紐約公司D采購一批商品，價(jià)值為10,000美元。而公司B與C之間剛好存在某種業(yè)務(wù)關(guān)系，C將物品與勞動(dòng)以借貸的方式提供給B。 他們之間的關(guān)系美國公司A 法國公司B美國公司D 法國公司C商品商品現(xiàn)金現(xiàn)金商品商品現(xiàn)金現(xiàn)金現(xiàn)金現(xiàn)金商品商品案例案例1的的本票本票解決方案？解決方案？美國公司A 法國公司B美國公司D 法國公司C商品商品現(xiàn)金現(xiàn)金商品商品現(xiàn)金現(xiàn)金現(xiàn)金現(xiàn)金商品商品案例案例1的的本票本票解

30、決方案？解決方案？_開立一張本票交給_，以此作為對(duì)B保證履行債務(wù)義務(wù)的債權(quán)憑證。B將本票背書背書轉(zhuǎn)讓給C來履行其對(duì)C的債務(wù)。同樣，C可以將該本票背書轉(zhuǎn)讓給D來履行其對(duì)D的債務(wù)。美國公司美國公司ABPromissory Note For GBP800.00 London, 8th Oct. 2010 At 60 days after date we promise to pay against the Promissory Note to the order of Bank of China the sum of GBP800.00 (say EIGHT HUNDRED ONLY) payabl

31、e in Beijing, China. For Bank of Europe, London (signature): 1. Commercial promissory notes or traders notes are rarely used in international trade practice. 2. Bankers promissory notes, or bankers notes are more widely used in international trade today. Learning FocusDraft 匯票l Definitionl Parties i

32、nvolvedl Contentl Types Promissory Note 本票Check 支票l Definitionl Parties involvedl Types * Acts of Draft 票據(jù)行為An unconditional written order addressed by the customer (drawer 出票人) 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

33、 or to bearer (payee 收款人). 支票支票是出票人簽發(fā)的，委托辦理支票存款業(yè)務(wù)的銀是出票人簽發(fā)的，委托辦理支票存款業(yè)務(wù)的銀行或者其他金融機(jī)構(gòu)在行或者其他金融機(jī)構(gòu)在確定的金確定的金額給收款人或者持票人的票據(jù)。額給收款人或者持票人的票據(jù)。 3 parties are involved The Drawer The Drawee/ Payer (always a Bank) The Payee (trader / bank)NOTE: A check is a special kind of draft in that the drawee is always a bank wi

34、th which the drawer has an account.A check is always paid upon presentation 憑票支付 except that when the drawer does not want the payee to collect the money immediately, the drawer can postdate 填上較晚日期 the check. 紐約A公司向巴黎B公司采購一批商品。價(jià)值為10，000美元，約定裝運(yùn)后30天付款。巴黎公司C向紐約公司D采購一批商品，價(jià)值為10,000美元。而公司B與C之間剛好存在某種業(yè)務(wù)關(guān)系，C

35、將物品與勞動(dòng)以借貸的方式提供給B。 他們之間的關(guān)系美國公司A 法國公司B美國公司D 法國公司C商品商品現(xiàn)金現(xiàn)金商品商品現(xiàn)金現(xiàn)金現(xiàn)金現(xiàn)金商品商品案例案例1的的支支票票解決方案？解決方案？假如A公司的資金賬戶銀行為紐約ABC銀行。A公公司司可以通過開立支票來履行其對(duì)B的債務(wù)。B公司拿到支票以后，可以將支票背書轉(zhuǎn)讓背書轉(zhuǎn)讓給C來履行其對(duì)C的債務(wù)。同樣，C可以將該支票背書轉(zhuǎn)讓給D來履行其對(duì)D的債務(wù)。支票到期以后，D拿著票據(jù)到ABC銀行銀行提示付款。得到付款后，ABCD之間的債務(wù)關(guān)系全部得到清償。案例案例1的支票解決方案？的支票解決方案？Standards of Classification: pWhe

36、ther the check can be paid to the order of somebody or to somebody to bearerpWhether or not the Check is crossed:pAccording to PRC Law of Negotiable InstrumentspWhether or not the Check will be dishonored.pAccording to the check can be paid to the order of somebody or to somebody 記名支票（Cheque payable

37、 to order）：在支票的收款人一欄，寫明收款人姓名，如“限付某人”(Pay A Only)或“指定人”(Pay A Order)，取款時(shí)須由收款人簽章，方可支取。 to bearer 空白支票（Cheque payable to bearer）：支票上不記載收款人姓名，只寫“付來人”(Pay bearer)。取款時(shí)持票人無須在支票背后簽章，即可支取。此項(xiàng)支票僅憑交付而轉(zhuǎn)讓。Cheque For U.S. $5,000 London, 8th Oct. 2010 Pay to the order of United Trading Co. the sum ofFIVE THOUSAND US DOLLARS. For Samuel and John Company, London (signature)Drawer出票人出票人Payee收款人收款人p According to whether or not the Check is crossed: a. Crossed Check (劃線支票) To prevent the checque from being falsely claimed in case the checque is lost, the drawer can draw t