chapter 6 Payment
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chapter 6贸易术语
For example , with CIF, if the cargo lost at sea, which party has the insurable interest? p122
Answer : the importer ,because the point the risk shifts is on board the ship at the named port of loading, as such the insurable interest transfers from the exporter to the importer at the time the goods pass over the ship's rail.
Chapter Six
Cargo Insurance
Cargo movement Water damage Overboard losses WHY NEED INSURANCE Jettison 投弃货物 Fire Sinking Perils of the sea Stranding 搁浅 海上风险 Theft Piracy 海盗 Natural calamities自然灾害 Risks Political factors 风险
The indemnity principle损害补偿原则
Contract of insurance is to restores a person who suffered a loss into the same position as he was in before the loss occurred.
The insurable interest principle
ntract is legally binding only if insured has interest in subject matter of insurance and that interest is insurable. An insurance policy 保单without insurable interest is invalid In cargo insurance , the interest passes with the documents. we know who has an interest in the cargo at any particular point of time according to the terms of sale (the incoterm we use)
第六章结账离开chapter 6Check-out
ห้องสมุดไป่ตู้
Tape Script: Cashier: Good morning, sir. May I help you? Guest: Yes, I’d like to change some US dollars into RMB. C: Are you a guest of the hotel, Sir? G: Yes. Here is my key card. C: How much would you like to change, sir? G: 500 dollars. What’s the rate today? C: 6 yuan 20 to one dollar… So that’s a total of 3,100 yuan, sir. Would you like it in small or large bills? G: Large bills, please. C: OK, here you are. And would you sign your name here on the exchange memo? G: All right. C: Please keep the memo. You will have to produce it when you want to change your money back. G: I see. Thank you very much. C: My pleasure.
Challenges and Solutions
How would you handle it when a guest pays the bill by credit card? Solutions: a)Ask the guest which card he would like to use to make sure it is one of the cards the hotel accepts. b)Take an imprint of the card. c)Ask the guest to sign his name on the imprint. d)The remaining steps follow the working procedures of check-out service.
《金融专业英语》chapter 6
process.
6.2.2 Factorsorities
IN EVALUATING A CHARTER APPLICATION, THE CHARTERING AUTHORITIES GENERALLY CONSIDERS 4 FACTORS:
➢ Thirdly, a related goal is to protect depositors’ funds and, if any bank should fail, to minimize the losses to be absorbed by the deposit insurance fund.
experience commensurate with their positions; and ➢ Having the required business premise, safety measures and other
facilities relevant with the business thereof.
金 融 专 业 英语
Part Two
Banking Industry in China
Contents
4
5
6
Central Bank—PBC
Commercial Banks
Supervision of Banking
6 Supervision
Chapter of Banking
Chapter 6 Supervision of Banking
Section 6.2 Licensing Process
6.2.1 Phases of the Process 6.2.2 Factors Evaluated by the Chartering Authorities 6.2.3 Basel Committee’s Requirements on Bank Licensing
6.2.2 Factorsorities
IN EVALUATING A CHARTER APPLICATION, THE CHARTERING AUTHORITIES GENERALLY CONSIDERS 4 FACTORS:
➢ Thirdly, a related goal is to protect depositors’ funds and, if any bank should fail, to minimize the losses to be absorbed by the deposit insurance fund.
experience commensurate with their positions; and ➢ Having the required business premise, safety measures and other
facilities relevant with the business thereof.
金 融 专 业 英语
Part Two
Banking Industry in China
Contents
4
5
6
Central Bank—PBC
Commercial Banks
Supervision of Banking
6 Supervision
Chapter of Banking
Chapter 6 Supervision of Banking
Section 6.2 Licensing Process
6.2.1 Phases of the Process 6.2.2 Factors Evaluated by the Chartering Authorities 6.2.3 Basel Committee’s Requirements on Bank Licensing
chapter6-1汇票
（二）按承兑人不同划分 1.银行承兑汇票（Banker’s Acceptance Bill）
2.商业承兑汇票（Trader’s Acceptance Bill）
（三）按是否有货运单据划分
1.跟单汇票（Documentary Bill） 2.光票汇票（Clean Bill）
（四）按付款期限划分
1.即期汇票（Sight/Demand Draft）：见票即付款的汇票。 包括： ① 票面上载明“见票即付”（at sight/on demand)文句的汇 票，持票人向付款人提示汇票时即是“见票”。 e.g. At sight pay to the order of ... On demand pay to the order of ... ②出票日与到期日为同一天的汇票，当天出票当天到期。 ③票面上没有载明到期日的汇票，各国一般认为其提示日就是 到期日，因此也是见票即付。
②定日付款 （At a Fixed Date） 汇票上规定有确切的付款日，付款人按期付款。 例如： 2002年5月5日付款； On 30th June fixed pay to... ③出票后定期付款（At 30 days after date pay to....） 又称出票远期付款，此种汇票是以出票日为基础，一段时期 后付款。
1、签发：写成汇票并在汇票上签字 （draw a draft and to sign it) 2、交付：出票人要将汇票交给收款人 (deliver a draft to the payee) 3、形式：一式两份，每单汇票具有同等效力。
正本（original)---第一份汇票（first of exchange)
（1） Pay to A Co. the sum of five thousand US dollar providing the goods they supply are complied with contract. （2） Pay to A Co. out of the proceeds in our NO. X account the sum of five thousand US dollar. （3） “Pay to …on the condition that” （4） “I shall be pleased if you would pay…”
6-订货和确认
Teaching Goals
• In this unit, we will discuss the definition of an order, the important elements and the differences between the first order and others and the techniques of how to write a reply to orders.
若接受：
若拒绝：
首先表示感谢；
解释原因；
保证即时认真执行订单；
感激顾客对公司及产品的信赖；
希望收到未来订单,并附上销售合同或确认书。对不能帮忙表示遗憾，希望继续保持联系。
Ⅲ Specimen letters
• Letter 1（Placing a trial order） • Letter 2（An Order） • Letter 3（Order）& Letter 4（Rejecting letter to L3）
C. of no avail 没有结果，无效
Letter 3(order) &
Letter 4(rejecting letter)
A. We feel quite satisfied with the quality and specifications of your products after we studied these samples.
catalogue. 我们今天已将新目录发送给你们了.
~ sth. (to sb.): send (a letter, etc) to a new address 将（信件等）投递到新地址; 转递
B. acknowledge v. 承认; 告知收到; 对...打招呼; 答谢 1) 承认（某事物）属实
《国际商务函电双语教程》chapter 6
According to difference of time, it can be divided into D/P at sight and D/P after sight. D/P at sight requests importer immediately pay money to get document.
It can be classified into: banker’s draft and commercial draft according to the drawer,
sight draft and time draft according to the tenor; clean draft and documentary draft according to whether
CHAPTER 6
Terms of Payment (付款条件)
Background Information Sample Letters
Letter 1 Letter 2 Letter 3 Letter 4 Useful Expressions Key to Exercises
BACKGROUND INFORMATION
T/T is the remitting bank, at the request of the remitter, transfers funds by means of cable/telex/swift message to the paying bank, asking the latter to pay a certain sum of money to the beneficiary.
BACKGROUND INFORMATION
Collection
It can be classified into: banker’s draft and commercial draft according to the drawer,
sight draft and time draft according to the tenor; clean draft and documentary draft according to whether
CHAPTER 6
Terms of Payment (付款条件)
Background Information Sample Letters
Letter 1 Letter 2 Letter 3 Letter 4 Useful Expressions Key to Exercises
BACKGROUND INFORMATION
T/T is the remitting bank, at the request of the remitter, transfers funds by means of cable/telex/swift message to the paying bank, asking the latter to pay a certain sum of money to the beneficiary.
BACKGROUND INFORMATION
Collection
Payment(国际金融国家级课程上海金融学院)
time
时点
国际 原 a point of
借贷 因
time
流量 flow
存量 stock
IMF’s Definition
国际收支：在一定时期内，一个经济实 体的居民同非居民所进行的全部经济交 易的系统记录和综合。
二，国际收支问题的重要性
ResideBiblioteka t•在本地居住一年以上的政府，个人，企业和事业单位。
International Finance
国际金融学
研究对象：货币和资金的国际运动。
领域：(1) 理论：国际收支，外汇和汇率，
国际储备，国际金融市场，
国际货币体系和金融机构。
(2) 实务：外汇交易，国际结算，国际
信贷，国际证卷投资和国际
银行业务。
Teaching Approach
Objective → Simpler;
“错误与遗漏项目”累计高达1082·4亿美元。
从年度规模看，1994年到1998年我国国际收 支平衡表中的“误差与遗漏项目”则分别高 达98亿美元、178亿美元、156亿美元、169亿 美元、166亿美元。巨大的资本外逃不仅影响 到我们对国际收支形势的正确把握，影响对
宏观经济走势的准确分析，而且也反映出资 本外逃问题的加剧。
Balancing / Settlement Account
平衡或结算项目 1. 错误与遗漏/Error and Omissions 2. 分配的特别提款权/Allocation of SDR 3. 官方储备/Official Reserve
Error and Omission-1
在一国国际收支平衡表的编制过程中，尽 管国际收支统计过程中总会存在各种各样 的误差，作为平衡性项目的“错误与遗漏
外贸英语函电Chapter 6
Task 10 Making Enquiries
• 14.list price 定价, 价目表所列的价格 • 搭配: price list 价目表 • 15.terms of payment 支付条件 • 16.bill of exchange 汇票 • 17.document against payment 付款交单 • 18.meet vt.满足 • We are sorry that we won't be able to meet your order this time
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Task 10 Making Enquiries
• If your price is favorable, we expect to place an order with you upon receipt of your sample.
• We trust you will give this enquiry your prompt and careful attention and look forward to your early reply.
because we have already been heavily committed. • 很抱歉！ 我们的承约量很大, 所以这次无法接受你方的订单。
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Task 10 Making Enquiries
• 19.at a time 一次, 每次 • Email 2: A Specific Enquiry by an Old Customer • Dear Lily, • Thank you very much for your email of Sept.28 together with