




版權(quán)說明:本文檔由用戶提供并上傳,收益歸屬內(nèi)容提供方,若內(nèi)容存在侵權(quán),請進行舉報或認領(lǐng)
文檔簡介
1、Chapter 5 Collection P244,2,如何解決如下問題? 好不容易找到一個新客戶,但由于彼此心存疑慮,不敢把業(yè)務(wù)做大,又不知道有什么好的措施可以促進交易的達成; 好不容易做了一票業(yè)務(wù),但由于沒能很好地采取規(guī)避收匯風(fēng)險的措施,最終成了一筆壞帳; 做成了一票業(yè)務(wù),款項也收回了,但由于匯率的變動,原本略有利潤的業(yè)務(wù)最后一算帳,卻虧損了; 公司訂單有不少,可是由于流動資金不足,只好舍棄部分業(yè)務(wù);由于公司規(guī)模較小,抵押不足,難以申請更多銀行授信額度; 公司的應(yīng)收帳款規(guī)模越來越大,財務(wù)報表比較難看,更別提上市要求了,3,Open account. are you really sure?
2、(You ship the goods, they sell them and then pay you.maybe),3,How can we be sure hell pay?!,4,Cash in Advance?(They send you the money then you ship the goods!),Be careful! Dont ship before you are sure you are in receipt of collected funds wire transfer: make sure they have complete instructions II
3、. Commercial documents not accompanied by financial documents.,About documents,“Documents” means financial documents and/or commercial documents:I. “Financial documents” means bills of exchange, promissory notes, cheques, or other similar instruments used for obtaining the payment of money;II. “Comm
4、ercial documents” means invoice, transport documents, documents of title or other similar documents, or any other documents whatsoever, not being financial documents.,5.3.2. Documentary collection,According to the definition above, documentary collection can be classified as follows: 1) documents ag
5、ainst payment (D/P) (1) D/P at sight (2) D/P XXXX sight 2) documents against acceptance(D/A),5.4 Procedures of Collection,16,(1) D/P at sight:,Drawee (importer),Principal (exporter),Remitting bank,Collecting bank,(Presenting bank),1,3,8,4,7,5,6,2,S/C,17,(2) D/P at xxx days after sight:,Drawee (impor
6、ter),Principal (exporter),Remitting bank,Collecting bank,(Presenting bank),1,3,10,4,9,5,6,2,S/C,7,8,18,(3) D/ A:,Drawee (importer),Principal(exporter),Remitting Bank,Collecting bank,(case of need),(Presenting bank),s/c,1,2,10,3,9,4,5,6,7,8,Questions ?,Is there any risks for the banks? Why? Is there
7、any risks for the principal? Why? Is there any risks for the drawee? Why?,20,5.5 Risks for the sellers,Documentary collection has more risks than documentary credit since there is no bank guarantee and the seller has to rely on the buyer to pay. The common risks are listed below.,21,Risks under coll
8、ection,Buyer cannot pay in some cases such as bankruptcy; When price decreases, buyer might refuse, with excuses perhaps, to pay or to pay a lower price or even claim for compensation. If import license and/or foreign exchange have not yet been obtained by buyer when the goods arrive at port of dest
9、ination, it is then possible that the goods will not be allowed to be imported, that the goods are subject to confiscation or a fine, or that payment for the shipment might be made in domestic currency of the importing country.,22,Buyer might take advantage of sellers ignorance of the local commerci
10、al custom, regulation or law and cheat at transactions. For example, there can be a customs clearance time limit after which the goods will be confiscated or a penalty will be imposed. And in some countries such as Peru and Bolivia, D/P after sight will be interpreted the same way as D/A. If a buyer
11、 wants to cheat, he can sign a contract with D/P after sight but never pays after he gets the documents.,23,5.6 Measures for sellers to avoid risks,Q: how to avoid the collection risks? Please discuss this Q with classmates.,24,Check the buyers credit standing, then decide the term and amount to be
12、used. Study the importing countrys market such as size and development, then decide the size of shipment. Get to know importing countrys import licensing and foreign exchange controls. Sellers should in particular find out when an import license will be needed, whether foreign exchange approval is a
13、utomatic once the import license is issued, what types of commodities cannot be imported with collection, etc.,25,Get to know the local regulations and commercial customs. Appoint an agent in the importing country who has the full authority to dispose the goods on behalf of the seller so that the go
14、ods will not be left unattended. Get familiar with warehousing facility at destination. In case of refusal of payment, the goods can be stored to avoid damage.,26,Make good arrangement of payment such as a down payment for a percentage of the total value of the shipment or part of the shipment to be
15、 paid by L/C and the remaining part by collection. Seller arranges insurance himself to hold all the documents of the transaction and to keep the shipment covered.,5.7 Collection Instruction,According to URC522: all documents sent for collection must be accompanied by a collection instruction indica
16、ting that the collection is subject to URC522 and giving complete and precise instructions. Banks are only permitted to act upon the instructions given in such collection instruction.,Contents for collection instruction,A collection instruction should contain the following items of information, as a
17、ppropriate. 5.7.1 Parties in the collection 1. Details of the collecting bank; including full name, postal and SWIFT addresses, telex, telephone, facsimile numbers and reference.2. Details of the principal including full name, postal address, and if applicable telex, telephone and facsimile numbers.
18、,3. Details of the drawee including full name, postal address, or the domicile at which presentation is to be made and if applicable telex, telephone and facsimile numbers.4. Details of the presenting bank, if any, including full name, postal address, and if applicable telex, telephone and facsimile numbers.,5.7.2 Amount, currencies and terms of delivery of DOCS,1. Amount(s) and currency(ies) to be collected.2. List of documents enclosed and the numerial count of each document.3. Terms of delivery of documents against: 1) payment and/or acceptance 2) other terms and
溫馨提示
- 1. 本站所有資源如無特殊說明,都需要本地電腦安裝OFFICE2007和PDF閱讀器。圖紙軟件為CAD,CAXA,PROE,UG,SolidWorks等.壓縮文件請下載最新的WinRAR軟件解壓。
- 2. 本站的文檔不包含任何第三方提供的附件圖紙等,如果需要附件,請聯(lián)系上傳者。文件的所有權(quán)益歸上傳用戶所有。
- 3. 本站RAR壓縮包中若帶圖紙,網(wǎng)頁內(nèi)容里面會有圖紙預(yù)覽,若沒有圖紙預(yù)覽就沒有圖紙。
- 4. 未經(jīng)權(quán)益所有人同意不得將文件中的內(nèi)容挪作商業(yè)或盈利用途。
- 5. 人人文庫網(wǎng)僅提供信息存儲空間,僅對用戶上傳內(nèi)容的表現(xiàn)方式做保護處理,對用戶上傳分享的文檔內(nèi)容本身不做任何修改或編輯,并不能對任何下載內(nèi)容負責(zé)。
- 6. 下載文件中如有侵權(quán)或不適當內(nèi)容,請與我們聯(lián)系,我們立即糾正。
- 7. 本站不保證下載資源的準確性、安全性和完整性, 同時也不承擔用戶因使用這些下載資源對自己和他人造成任何形式的傷害或損失。
最新文檔
- 教學(xué)安全督導(dǎo)工作計劃
- 新課標高一物理上學(xué)期教學(xué)反思計劃
- 汽車配件貨物接收流程他
- 九年級體育課體能發(fā)展個性化計劃
- 培訓(xùn)學(xué)校前臺服務(wù)職責(zé)
- 墻紙墻布施工工藝流程工具介紹他
- 影視欣賞主題月度活動計劃
- 小學(xué)五年級上冊綜合實踐課程設(shè)計計劃
- 小學(xué)看圖寫話圖片和范文輔導(dǎo)資料
- 七年級英語教師教學(xué)資源整合計劃
- 《S銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理探究的國內(nèi)外文獻綜述》7600字
- 普外專業(yè) 三甲醫(yī)院臨床試驗機構(gòu)GCP 2024普外 管理制度 操作規(guī)程 設(shè)計規(guī)范 應(yīng)急預(yù)案
- 抗旱設(shè)備采購合同范例
- 5.3《人皆有不忍人之心》課件 統(tǒng)編版高中語文選擇性必修上冊
- 廣東省河源市(2024年-2025年小學(xué)四年級語文)統(tǒng)編版期末考試(下學(xué)期)試卷及答案
- 2024年新人教版化學(xué)九年級上冊全冊課件(新版教材)
- 《跨文化傳播教程》全套教學(xué)課件
- 粉刷外墻合同范本
- 三級公立醫(yī)院績效考核微創(chuàng)手術(shù)目錄(2022版)
- JGJ-T+141-2017通風(fēng)管道技術(shù)規(guī)程
- QBT 2155-2004 旅行箱包行業(yè)標準
評論
0/150
提交評論