實(shí)用商務(wù)英語 付款方式

2　付款方式

你將聽到的

即期匯票

When the goods are dispatched, we'll issue a sight draft against you.

只接受信用證

Payment by L/C is our usual practice of doing business.

信用證的弊端

A letter of credit would add to the cost of my import.

承兌交單

Since we have made some concessions on price and the date of shipment, we insist on documents against acceptance.

為了合作

My suggestion is if you accept our terms of payment, we will have more business in the future.

各讓一半

How about 50％ by L/C, 50％ by D/P?

開證日期

Your L/C should reach us by 1st October.

希望分期付款

We wish to make the payment for these machines by installment.

延期付款

Your account has been extended another month, but we will insist on payment by the end of July.

你也許會(huì)說

詢問條件

Could you tell me the terms of payment?

對方堅(jiān)持

We insist on payment in cash on delivery.

我方希望

Please send us your cheque to settle the matter.

催要款項(xiàng)

I'd appreciate if you would pay for the first 10 machines in advance.

職場心經(jīng)

在國際貿(mào)易中，通常有四種常用的支付方式，它們是先款后貨、跟單信用證、跟單托收和先貨后款。

先款后貨是指買方在賣方運(yùn)輸貨物之前先付款給賣方。本支付方式要求買方對賣方的按合約交貨能力具有高度的信任，這是因?yàn)?，它向賣方提供最大安全，但向買方提供了最大風(fēng)險(xiǎn)。信用證是指銀行（開證行）根據(jù)進(jìn)口人（開證人）的請求和指示向出口人（受益人）開立的一定金額的、并在一定期限內(nèi)憑規(guī)定的單據(jù)承諾付款的書面文件。憑信用證付款是我國對外貿(mào)易中最常用的付款方式。跟單托收是指銀行根據(jù)委托人提交的指示書，處理金融單據(jù)或商業(yè)單據(jù)，以獲得付款或承兌交單，或按照其他條件交單。賣方發(fā)運(yùn)貨物給買方，但通過銀行發(fā)送包括貨權(quán)單據(jù)在內(nèi)的單據(jù)，指示銀行只有在買方付款的情況下才將單據(jù)交給買方。托收可能提供幾乎相同的風(fēng)險(xiǎn)，但是賣方面臨的風(fēng)險(xiǎn)可能比買方要大，因?yàn)橘I方可以拒絕提貨。先貨后款指買方承諾在發(fā)貨后的指定時(shí)間內(nèi)，支付貨款給賣方。賣方因此而完全依仗買方的支付貨款能力和意愿，所以，它給買方帶來最小風(fēng)險(xiǎn)，但給賣方帶來最大風(fēng)險(xiǎn)。

必備的詞匯熱身

●　amount [[??maunt] n.數(shù)額

●　purchase [?p?:t??s] v.購買

●　deal [di:l] n.交易

●　million [?milj?n] n.百萬

●　installment [in?st?:lm?nt] n.分期付款

●　payment [?peim?nt] n.付款

●　documents against payment（D/P） 付款交單

●　document against acceptance (D/A) 承兌交單

●　D/A at sight 即期交單

●　D/A after date 遠(yuǎn)期交單

●　pay off 全部支付，償清

●　at sight 見票即付

當(dāng)談?wù)摳犊畹臅r(shí)候你會(huì)聽到

When the goods are dispatched, we'll issue a sight draft against you.

貨物一啟運(yùn)，我方即向貴方開出即期匯票。

We will draw on you for the expenses.

我們將所有費(fèi)用向你方開出匯票。

Payment by L/C is our usual practice of doing business.

我們做生意時(shí)通常只接受信用證付款。

A letter of credit would add to the cost of my import.

信用證會(huì)增加我方進(jìn)口的成本。

Since we have made some concessions on price and the date of shipment, we insist on documents against acceptance.

我們在價(jià)格和運(yùn)貨日期上做了讓步，因此我方堅(jiān)持承兌交單方式付款。

My suggestion is if you accept our terms of payment, we will have more business in the future.

我建議如果你能接受我們的付款條件，以后我們會(huì)有更多的生意往來。

How about 50％ by L/C, 50％ by D/P?

50％由信用證支付，50％采用付款交單方式如何？

Your L/C should reach us by 1st October.

你方信用證應(yīng)在10月1日前開達(dá)我方。

We wish to make the payment for these machines by installment.

我方希望用分期付款方式購買這些機(jī)器。

Your account has been extended another month, but we will insist on payment by the end of July.

同意你方再延期1個(gè)月付款，但我方堅(jiān)持7月底前付款。

當(dāng)談?wù)摳犊畹臅r(shí)候你會(huì)說

1．We insist on payment in cash on delivery.

我公司堅(jiān)持貨到付款。

2．Could you tell me the terms of payment?

能否告訴我付款條件？

3．What kind of installment do you have in mind?

你們想怎么分期付款？

4．Please send us your cheque to settle the matter.

請寄支票以結(jié)此賬。

5．We hope you will accept D/A payment terms.

我們希望你們接受承兌交單付款條件。

6．We won't accept payment in cash on delivery.

我公司不接受貨到付款的支付方式。

7．For special items, we can adopt payment by installments.

對一些特殊的貨物，我們可以采取分期付款的方式。

8．You should make payment against our documentary draft upon presentation.

貴公司應(yīng)憑我公司的跟單匯票于見票時(shí)付款。

9．I'd appreciate if you would pay for the first 10 machines in advance.

如果你方能預(yù)付頭10臺(tái)機(jī)器貨款，我會(huì)非常感激。

10．The shipping documents are to be delivered to you against payment only.

裝運(yùn)單據(jù)于付款后交至貴公司。

拓展學(xué)習(xí)

信用證種類

A：What kind of L/C do you want to open?

您想開哪一種信用證？

B：I want to open a confirmed irrevocable L/C.

我想開一張保兌的不可撤銷的信用證。

Documentary L/C is frequently used in international trade.

跟單信用證在國際貿(mào)易中使用較多。

All L/C must state whether they are irrevocable or revocable.

所有的信用證必須注明是不可撤銷的信用證還是可撤銷的。

We will open an irrevocable L/C in your favor right after our confirmation.

一經(jīng)本公司確認(rèn)后，我們馬上開一份不可撤銷信用證給貴公司。

付款談判

A：What about the terms of payment?

現(xiàn)在來談?wù)劯犊罘绞胶脝幔?/p>

B：We only accept payment by irrevocable letter of credit payable against shipping documents.

我們通常只接受不可撤銷的憑裝船單據(jù)付款的信用證。

As an importer, we think remittance against documents is safer.

作為進(jìn)口商，我公司認(rèn)為憑單匯付更為安全。

We would like to make our payment for this complete set of equipment by installment.

我們想對這一整套設(shè)備分期付款。

If you can entertain installment payment on deferred terms, we would be in a position to place orders with you for these machines.

如果你能用延期付款的方式來接受分期付款，我們將訂購這些機(jī)器。

As usual, our terms of payment are by confirmed, irrevocable L/C payable by sight draft.

通常我們的付款方式是保兌的不可撤銷的即期匯票信用證。

催款

A：We have granted you the extra time, and therefore we expect you to live up to your promise.

我公司對此已特別寬限，誠望貴方能信守諾言。

B：You should pay the sales proceeds in advance by T/T to reach us not later than October 5th.

貴公司應(yīng)不遲于10月5日將貨款用電匯方式預(yù)付至我公司。

The cash discount given on this bill is an inventive to pay the bill on date due.

我公司給予本次賬單的現(xiàn)金折扣是對如期付款的獎(jiǎng)勵(lì)。

We enclose a cheque for $4,000 in payment of your invoice of the September 10.

為支付貴方9月10日發(fā)票，我方函寄面額為4000美元支票一張。

We are duly in receipt of your letter of May 5, enclosing a draft, value $40000 in check, which has been credited your account as requested.

我們已收到貴方5月5日函寄的面額為40000美元的匯票一張，用以結(jié)算貴方賬款。

Documents will be checked and paid immediately after receipt if there is no discrepancy.

單據(jù)收到后核對無誤，我們就立即付款。

場景應(yīng)用

客戶對設(shè)備非常滿意，但是他想了解一下付款方式，于是韋德先生詳細(xì)地為對方進(jìn)行了介紹。

A：Your equipment is the best I've ever seen. But what are the terms of your payment?

B：Oh, they're very flexible. The only requirement is an advance payment of twenty five percent before delivery.

A：And when is the balance due?

B：Upon installation of the equipment, for the cash option.

A：I see. What other options are there?

B：We offer financing.

A：How does that work?

B：You pay the advance, and the balance is paid off over a period of twelve months.

A：At what rate?

B：Eleven percent. It's very reasonable.

A：Actually, that seems high. With the cash option, do you mean only cash, or will you take other forms of payment?

B：We would also accept a certified check or a direct bank remittance.

A：你們的設(shè)備是我見過最好的，但是，你們的付款方式是怎樣的？

B：哦，我們付款方式非常靈活的。唯一的要求就是交貨之前要先付25％的預(yù)付款。

A：那什么時(shí)候付清余款？

B：如果是付現(xiàn)，那設(shè)備裝好就要付清。

A：我明白了。還有其他什么選擇？

B：我們提供貸款服務(wù)。

A：那是怎樣付款的？

B：先付預(yù)付款，余款在12個(gè)月內(nèi)付清。

A：利率是多少？

B：11％，非常合理。

A：事實(shí)上，有點(diǎn)高。選擇付現(xiàn)，你是說只收現(xiàn)金，或者還有其他的付款方式？

B：我們也接受保付支票或者是直接銀行匯款。

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balance的所有解釋中我們最常見的是名詞形式，表示“平衡”，而在對話中是它的另外一種名詞解釋，表示“余額”。

* * *

體諒到對方的難處，加上對方的信譽(yù)比較好，所以程先生在付款方式上做出了讓步。

A：Would it be possible for you to accept payment through collection?

B：I'm sorry to say that we only accept the letter of credit.

A：But as the world market is inactive recently, business is no longer as easy as it was. We hope that you would bend a little to allow us to pay by D/A or D/P.

B：Payment through collection is risky to the exporter.

A：We have done some business with other companies on collection basis, so they can prove to you our credit.

B：OK. In order to conclude this transaction, we agree to your proposal.

A：Thank you very much. Then what else do you require?

B：You're required to present the full set of documents to the bank for negotiation within the time allowed.

A：Sure. I'll do it.Call it a day .

A：你們能不能接受托收的方式付款。

B：很遺憾，我們只接受信用證。

A：但是最近國際市場很不景氣，生意不再像以往那樣好做了。希望你們讓一點(diǎn)，允許我們用承兌交單或付款交單支付。

B：通過托收方式支付對于出口商是有風(fēng)險(xiǎn)的。

A：我們同其他公司以托收方式做過生意，他們可以證明我方信譽(yù)。

B：好吧。為了達(dá)成交易，我們同意你們的提議。

A：非常感謝，你們還有其他要求嗎？

B：請您在規(guī)定的期限里向銀行提交全套單證議付。

A：好，我一定辦到。那今天就到此為止了。

* * *

Call it a day.

今天就到這兒吧。

Call it a day.是個(gè)典型的英語俚語，常常用于宣布結(jié)束一天的工作，且暗示對工作績效表示滿意，意思是今天就知道這里為止，可以休息了。也有可能是由于工作超過了平日工作的時(shí)間，覺得做得已經(jīng)夠多了，急于收工。例如：It's late, and we're hungry. Let's call it a day and continue the work tomorrow morning.（太晚了，我們還餓著，今天就到此為止吧，明早再接著干。）

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