【正文】 ation of Bills of Exchange ② Clean bill and documentary bill ? Clean bill (光票 ): when no shipping documents are acpanied with it. ? Documentary bill (跟單匯票 ): which is acpanied with shipping documents ? Such as: B/L, Commercial Invoice, Packing List, Insurance Policy, Inspection Certificate etc. School of International Economics Classification of Bills of Exchange ② Clean bill and documentary bill ? 光票（ Clean Draft），指不附帶商業(yè)單據(jù)的匯票。 ? 跟單匯票多是商業(yè)匯票。 ? 提示是持票人將匯票提交付款人要求承兌或付款的行為， School of International Economics General Procedures in Handling A Bill of Exchange (Draft) ③ Acceptance 承兌 ? Means the act of the drawee to show his responsibility by accepting the usance bill for payment at a fixed future date by writing the word “accepted”, marking the date of acceptance and signing on the face of the bill. ? The drawee “the Acceptor” “承兌人 ” ? 承兌是指付款人對(duì)遠(yuǎn)期匯票表示承擔(dān)到期付款責(zé)任的行為。出票人在支票上簽發(fā)一定的金額，要求受票的銀行于見(jiàn)票時(shí)立即支付一定金額給特定人或持票人。 School of International Economics II. Collection 托收 ? Parties in Collection 1. The principal or exporter 委托人 2. The remitting bank 托收行 3. The collecting bank 代收行 4. The payer or importer 付款人 School of International Economics II. Collection 托收 ? Kinds of Collection 1. Collection on clean bill 2. Collection on documentary bill School of International Economics Kinds of Collection 1. Collection on Clean Bill 光票托收 ? Means that the exporter collects the purchase price against the draft only, without any shipping documents attached thereto. ? Usu. Used in collecting balance (余額 ) under L/C, advance, mission and costs of samples. School of International Economics Kinds of Collection 2. Collection on Documentary Bill 跟單托收 ? Means that the exporter collects the purchase price against the documentary bill. ① Documents against payment (D/P) ② Documents against acceptance (D/A) School of International Economics Documentary Collection 跟單托收 ① Documents Against Payment (D/P) 付款交單 ? Calls for actual payment against the transfer of shipping documents. a) D/P at sight b) D/P after sight School of International Economics ① Documents Against Payment a) D/P at sight 即期付款交單 ? After shipment of the goods, the exporter shall draw a sight bill of exchange, and send it as well as shipping documents to a local bank, through which and whose correspondent bank the documentary draft is presented to the importer. The importer shall pay against the documentary draft drawn by the seller at sight. ? 出口方按合同規(guī)定日期發(fā)貨后，開(kāi)具即期匯票 , 連同全套貨運(yùn)單據(jù)，委托銀行向進(jìn)口方提示，進(jìn)口方見(jiàn)票（和單據(jù)）后立即付款。 School of International Economics Documentary Collection 跟單托收 ② Documents Against Acceptance (D/A) 承兌交單 ? Calls for delivery of documents against acceptance of the draft drawn by the exporter. ? D/A is always after sight Process of D/A ? A ? A Exporter Remitting Bank Collecting Bank Importer ① ② ⑧ ⑦ ③ ④ ⑤ ? School of International Economics 托收程序示意圖的說(shuō)明 ① 合同規(guī)定采取托收方式 ② 按期裝運(yùn)制作匯票及有關(guān)單據(jù)，填具托收委托 書(shū)送銀行 ③ 托收行將有關(guān)單據(jù)寄交代收行并說(shuō)明委托書(shū)中的各項(xiàng)指示 ④ 代收行根據(jù)指示向進(jìn)口人提示匯票 ⑤ ⑥ 如為 D/P即期，進(jìn)口人付款贖單， 如為 D/P遠(yuǎn)期，先辦承兌，到期贖單， 如為 D/A承兌取單，到期付款 ⑦ 代收行收款后通知托收行收妥轉(zhuǎn)帳 ⑧ 托收行將貨款交出口人 School of International Economics B. Modes of Payment III. Letter of Credit 1. Feature of L/C 2. Parties relating to L/C 3. Procedure of L/C 4. Contents of L/C 5. Kinds of L/C School of International Economics B. Modes of Payment III. Letter of Credit ? the expressions Documentary Credit (s) and Standby Letter(s) of Credit (hereinafter referred to as Credit (s) ), mean any arrangement, however named or described, whereby a bank(the Issuing Bank) acting at the request and on the instructions of a customer (the Applicant) or on its own behalf, School of International Economics B. Modes of Payment III. Letter of Credit i) is to make a payment to or to the order of a third party(the Beneficiary), or is to accept and pay bills of exchange (Draft(s)) drawn by the Beneficiary, or ii) authorises another bank to effect such payment, or to accept and pay such bills of exchange (Draft(s)), or iii) authorises another bank to negotiate against stipulated document(s), provided that the terms and conditions of the Credit are plied with School of International Economics B. Modes of Payment III. Letter of Credit 《 跟單信用證統(tǒng)一慣例 》 對(duì)信用證有如下的定義： “ 跟單信用證 ” 和 “ 備用信用證 ” （以下統(tǒng)稱(chēng) “ 信用證 ” ），意指一項(xiàng)約定，不論其如何命名或描述，系指一家銀行（ “ 開(kāi)征行 ” ）應(yīng)其客戶(hù)（ “ 申請(qǐng)人 ” 的要求和指示或以其自身的名義，在與信用證條款相符的條件下，憑規(guī)定的單據(jù)： (“受益人 ” ）或其指定人付款，或承兌并支付受益人出具的匯票，或 ，或承兌并支付該匯票，或 。貨物售出后所得貨款應(yīng)于匯票到期時(shí)交銀行。 School of International Economics I. Remittance 匯付 (又稱(chēng)匯款 ) 3. Demand Draft (D/D) （ Remittance by Banker’s Demand Draft）票匯 ? The buyer buys a draft from a local bank and sends it by mail to the seller, the seller or his appointed person can collect money from the relative bank at his end against the draft sent by the buyer. ? 票匯是以銀行即期匯票為支付工具的一種匯付方式。 School of International Economics Endorsement 背書(shū) ? Discount 貼現(xiàn) ? The bank or discount pany concerned may “discount” the bill by paying immediate cash for the bill at a little less than its face amount, ., after deducting charges and interest based on the current rate of discount, and then, will in the due date of the bill collect the full amount from the acceptor. ? 在金融市場(chǎng)上，最常見(jiàn)的背書(shū)轉(zhuǎn)讓為匯票的貼現(xiàn)，即遠(yuǎn)期匯票經(jīng)承兌后，尚未到期，持票人背書(shū)后，由銀行或貼現(xiàn)公司作為受讓人。 ? 銀行承兌匯票 (Banker’s acceptance bill): 遠(yuǎn)期的商業(yè)匯票，經(jīng)銀行承兌后，稱(chēng)為銀行承兌匯票。 School of International Economics a. Bill of Exchange (Draft) 匯票 ? Parties to a Bill of Exchange ① Drawer 出票人 : the person who draws the bill ? Exporter or his bank ② Drawee or payer 受票