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1、Unit5TermsofPaymentJustasindomestictrade,anytransactionininternationaltrade,largeorsmall,hastobesettledthroughpaymentbythebuyer.Howgvgf,paymentininternationaltradeisoftenbesetwithmoredifficultiesowingtothefactthateitherpartytoabusinesstransactionhasrelativelylimitedknowledgeoffinancialstreng
2、thandcommercialreputationofhiscounterpart.Toguaranteethepunctualdeliveryonthepartofthesellerandpaymentbythebuyer,differentmodesofpaymentshavebeencreated,whichcanbedividedintothreecategories.remittancecollectionletterofcredit如同国内贸易那样，住何国际贸易交易,无论金额大小，总是要通过买方支付而结帐。然而,由于交易双方对彼此的财务状况及商业信计了解有限,国际贸
3、易支付往往会遇到聂彭用和为了原证卖方能及时交货夕买件及时付款,因而产生了几种不同的支付方式。乂需方式汇付托收信川证Remittanceandcollectionbelongtocommercialcredit,butletterofcreditbelongstobankerscreditTheword“credit”heremeanswhotakesresponsibilityofpayingmoneyandsurrenderingtheshippingdocuments.Soinremittanceandcollectiontransaction,thebuyerisresp
4、onsibleformakingpayment,thesellerforsurrenderingtheshippingdocuments.InL/Ctransaction,however,thebankerisresponsibleforpayingmoneyandtendingtheshippingdocumentsonbehalfofthebuyerandtheseller.汇付和托收是商业信用,而信用证则是银行信用.“信用一词，在此指由谁承担付款责任和递交运输打据业务.所以，在以汇付和托收方式交易时，买方负责付款，卖方负责递交装运单据。而以信用证方式交易时,则由银行代表买
5、卖双方负次付款和提交单.据。RemitanceRemittanceisoneofthemodesusedininternationalpayment,whichincludesMailTransfer;TelegraphicTransferandDemandDraft.汇付是国际支付所采用方式之・，包括小汇•电力和集汇•Remittance汇付MailTransfer(M/T)信汇TelegraphicTransfer(T/T)电汇DemandDraft(D/D)票汇Whenremittanceisadoptedininternationaltrade,thebuyershou
6、ldremitthemoneytotheselleronhisowninitiative,andthesellershouldsendthegoodstothebuyeraccordingtothetermsandtimestipulatedinthecontract,becauseremittancebelongstothecommercialcredit.由于汇付属/商业信用，所以在国际贸易中如采用汇付时，买方就应按合同规定的条款和时间将货款主动地;I2).给卖方，而卖方则应按合同规定之条款和时间将货物交付卖方。•MailTransfer(M/T)信汇UnderM/T,th
7、ebuyershouldgivethemoneyofthegoodstohisbank.Thelocalbankthenissuesatrustdeedforpaymentandsendsittoacorrespondentbankattheseller'sendbymeansofmailandentruststhebanktopaythemoneytotheseller.采用信汇时，买方应把货款交给他的开户行。该银行开具付款委托回通过邮寄的方式交给卖方所在地的往来银行,并委托其银行向卖方付
