【學習筆記】懂你英語 商務(wù)英語 Level 6 Unit 2 Part 5（III）詞匯 Major Types of Payments

letter of credit??（銀行發(fā)行的）[金融] 信用證??

A letter of credit is a letter from a bank that guarantees that buyer will pay a sum of money on time.? ?信用證是銀行開出的保證買方按時付款的信用證。

If the buyer is unable to pay, the bank must pay the remaining amount.? ?如果買方不能付款，銀行必須支付剩余的金額。

This payment method is appropriate when the buyer and the seller do not know each other very well.? ?這種付款方式適用于買賣雙方不太了解對方的情況。

documentary collection? ?[金融] 跟單托收

In a?documentary collection, a bank collects payment of goods for an exporter.??在跟單托收中，銀行為出口商收取貨款。

In order to collect the payment, the exporter needs to send the proper documents to the importer's bank along with payment instructions.? ?為了收取貨款，出口商需要將適當?shù)膯螕?jù)連同付款指示寄給進口商的銀行。

Documentary collection is risky for exporters, since reimbursement is limited if the importer doesn't pay.? ?跟單托收對出口商來說是有風險的，因為如果進口商不付款，償付是有限的。

Therefore, this method is recommended only for traders who have a long-term relationship. 【跟讀】? 因此，此方法僅適用于有長期關(guān)系的交易者。

open account??往來賬戶；未清結(jié)的賬目；賒銷

In an open account transaction, goods are delivered to the buyer before payment is due. 【填空】? 在開放式帳戶交易中，貨物在付款到期之前交付給買方。

This makes it a high-risk payment option for the exporter, since there is no guarantee of payment.? ??對于出口商來說，這是一種高風險的付款方式，因為沒有付款保證。

To combat this risk, exporters often purchase credit insurance, which reimburses the seller in case of a loss.? ?為了避免這種風險，出口商通常購買信用保險，萬一賣方發(fā)生損失，信用保險會補償賣方。

This has become a popular form of payment, since there is fierce competition in export markets.? ?由于出口市場競爭激烈，這已成為一種流行的付款方式。

【選擇】-In what situation is it best to have a letter of credit?? ?-?the buyer and the seller do not know each other?

【選擇】In a documentary collection, a bank... collects payment of goods for an exporter.

【填空】A letter of credit guarantees?that if the buyer is unable to pay, the bank must pay the remaining amount.?

【填空】A documentary collection method?is recommended only for traders who have a long-term relationship.?

【填空】An open account transaction is a high-risk payment option for the exporter, since there is no guarantee of payment.? ??

【跟讀】In a documentary collection, a bank collects payment of goods for an exporter.

remittance? ?n. 匯款；匯寄之款；匯款額

A remittance is the exchange of funds from an importer to an exporter via bank transfer.? 【填空】??匯款是指進口商通過銀行匯款將資金從一個國家轉(zhuǎn)移到另一個國家。

After transferring the funds to the exporter, the bank will charge the importer a commission fee.? ?在把資金轉(zhuǎn)給出口商之后，銀行會向進口商收取傭金。

Today, many banks offter the electronic mode of transfer, which is much faster than traditional methods.? ?如今，許多銀行采用電子轉(zhuǎn)賬方式，比傳統(tǒng)方式快得多。

cash-in-advance??預付現(xiàn)金，預付款

With cash-in-advance terms, an exporter receives payment before they transfer their goods. 【填空】??采用預付現(xiàn)金的方式，出口商在轉(zhuǎn)移貨物前收到貨款。

This commonly comes in the form of wire transfers or credit card payments.? ?這通常以電匯或信用卡支付的形式出現(xiàn)。

It helps avoid credit risks for the exporter, since they receive payment before shipping.? ?【跟讀】??這有助于避免出口商的信用風險，因為他們在發(fā)貨前收到貨款。

However, the buyer may be concerned that they will not receive the goods if they pay in advance.??但是，如果買方提前付款，他們可能會擔心無法收到貨物。

【選擇】-Why do banks provide remittance services?? ?-They make profits from comission.

【選擇】-Which of the following is a common form of case-in-advance payment.? ?-wire tranfer

【選擇】In what kind of transaction are goods delivered to the buyer before payment is due?? ?-open account

【選擇】An exporter receives payment before they transfer their goods.? ?--- cash-in-advance

【跟讀】A common form of case-in-advance payment is wire tranfer.