lecture 8.ppt

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1、Warm-upExercise:我将为货物投保平安险。IllhavethegoodscoveredagainstFreefromParticularAverage.我公司可以承保海洋运输的所有险别。Wecanserveyouwithabroadrangeofcoverageagainstallkinksofrisksforseatransport.保险费用按照货物类别的具体情况会有所不同。Theinsurancepremiumpaidforwillvaryaccordingtothetypeofgoodsandthecircumstances.贵公司能为我的这批货保哪些险呢？Whatkindo

2、finsuranceareyouabletoprovideformyconsignment?只要是在保险责任范围内，保险公司就应负责赔偿。Theunderwritersareresponsiblefortheclaimasfarasitiswithinthescopeofcover.riskofbreakageriskofclashingriskofrustriskofhookdamageriskofbreakage破碎险riskofclashing碰损险riskofrust生锈险riskofhookdamage钩损险riskofcontamination(tainting)insurance

3、againsttotallossonly(TLO)riskofdeteriorationriskofpackingbreakageriskofcontamination(tainting)污染险insuranceagainsttotallossonly(TLO)全损险riskofdeterioration变质险riskofpackingbreakage包装破裂险insuranceagainststrike,riotandcivilcommotion(SRCC)Insuranceagainstadditionalrisksriskoftheft,pilferageandnondelivery(T

4、RND)insuranceagainststrike,riotandcivilcommotion(SRCC)罢工，暴动，民变险insuranceagainstadditionalrisks附加险riskoftheft,pilferageandnondelivery(TRND)盗窃提货不着险riskofleakageriskofshortageinweight/quantityriskofsweatingand/orheatingriskofbadodour(changeofflavour)riskofmouldondeckriskriskofleakage渗漏险riskofshortagein

5、weight/quantity短量险riskofsweatingand/orheating受潮受热险riskofbadodour(changeofflavour)恶味险，变味险riskofmould发霉险ondeckrisk舱面险premiumrebateinsuranceclaiminsurancedocumentcertificateofinsurancerenewingcoverageinsurancecommissionpremiumrebate保险费回扣insuranceclaim保险索赔insurancedocument保险单据certificateofinsurance保险凭证r

6、enewingcoverage续保insurancecommission保险佣金Lecture8ModeofPayment:LetterofCreditObjectives:1.IntroductiontoLetterofCredit2.TypesofLetterofCreditWhatisaLetterofCredit?L/Cisabindingdocumentthatabuyercanrequestfromhisbankinordertoguaranteethatthepaymentforgoodswillbetransferredtotheseller.L/Cis,openedwitha

7、bankintheexportersfavor,amethodofpaymentwhichcanensurethatanexportergetshismoneywhenhedispatcheshisgoodsnotwhentheyarereceivedbythecustomer.Inorderforthepaymenttooccur,thesellerhastopresentthebankwiththenecessaryshippingdocumentsconfirmingthedeliveryofgoodswithinagiventimeframe.Itisoftenusedinintern

8、ationaltradetoeliminateriskssuchasunfamiliaritywiththeforeigncountry,customs,orpoliticalinstability.信用证(LetterofCredit，LC)信用证是一种由银行依照客户的要求和指示开立的有条件的承诺付款的书面文件。PartiesrelatingtoaL/C:1.Theapplicant(thebuyerorimporter)(1)开证申请人(Applicant).向银行申请开立信用证的人,在信用证中又称开证人(Opener)。2.Theoriginatingbankoropeningoriss

9、uingbank(2)开证行(OpeningIssuingBank)。接受开证申请人的委托开立信用证的银行，它承担保证付款的责任。3.Theadvisingbankorcorrespondentbank(3)通知行(Advising/NotifyingBank)。指受开证行的委托，将信用证转交出口人的银行，它只证明信用证的真实性，不承担其他义务。4.Thebeneficiary(exporter)(4)受益人(Beneficiary)。指信用证上所指定的有权使用该证的人，即出口人或实际供货人。5.Thenegotiatingbank(maybetheadvisingbankoranotherb

10、ank)(5)议付银行(NegotiatingBank)。指愿意买入受益人交来跟单汇票的银行。6.Thepayingbank(usuallytheissuingbankoranotherbank)(6)付款银行(PayingDraweeBank)。信用证上指定付款的银行，在多数情况下，付款行就是开证行。FourStagesofArrangingandAdvisingaCommercialL/C1.AgreementbetweentheexporterandimporterofpaymentbyL/C2.Makingavailableacommercialcreditbytheoriginati

11、ngbank.3.Tonegotiate,acceptorpaytheexportersdraftupondeliveryoftheshippingdocuments.4.ArrangementsbetweentheadvisingbankandtheexporterFigureofPaymentProcedureUnderL/CImporterContractExporter(Opener/Applicant)(Beneficiary)1634IssuingBank2AdvisingBankPayingBank5NegotiatingBankTypesofL/C1.RevocableL/C可

12、撤销信用证开证行不必征得受益人或有关当事人同意有权随时撤销的信用证，应在信用证上注明“可撤销”字样。但UCP500规定：只要受益人依信用证条款规定已得到了议付、承兑或延期付款保证时，该信用证即不能被撤销或修改。它还规定，如信用证中末注明是否可撤销，应视为不可撤销信用证。1.andirrevocableL/C不可撤销信用证。指信用证一经开出，在有效期内，未经受益人及有关当事人的同意，开证行不能片面修改和撤销，只要受益人提供的单据符合信用证规定，开证行必须履行付款义务。2.ConfirmedL/CandUnconfirmedL/C保兑信用证。指开证行开出的信用证，由另一银行保证对符合信用证条款规定

13、的单据履行付款义务。对信用证加以保兑的银行，称为保兑行。不保兑信用证。开证行开出的信用证没有经另一家银行保兑。3.TransferableL/C可转让信用证。指信用证的受益人(第一受益人)可以要求授权付款、承担延期付款责任，承兑或议付的银行(统称“转让行”)，或当信用证是自由议付时，可以要求信用证中特别授权的转让银行，将信用证全部或部分转让给一个或数个受益人(第二受益人)使用的信用证。开证行在信用证中要明确注明“可转让”(Transferable)，且只能转让一次。4.SightL/CandUsanceL/C即期信用证。指开证行或付款行收到符合信用证条款的跟单汇票或装运单据后，立即履行付款义务

14、的信用证。远期信用证。指开证行或付款行收到信用证的单据时，在规定期限内履行付款义务的信用证。5.RevolvingL/C循环信用证。指信用证被全部或部分使用后，其金额又恢复到原金额，可再次使用，直至达到规定的次数或规定的总金额为止。它通常在分批均匀交货情况下使用。UsefulSentences:Shallwehaveatalkabouttermsofpaymenttoday?我们今天谈谈付款条件怎么样？Whatisthemodeofpaymentyouwishtoemploy?您希望用什么方式付款？Thisisthenormaltermsofpaymentininternationalbusi

15、ness.这是国际贸易中惯用的付款方式。Ourtermsofpaymentisconfirmedandirrevocableletterofcredit.我们的付款条件是保兑的不可撤消的信用证。Forpaymentwerequire100%value,irrevocableL/Cinourfavourwithpartialshipmentallowedclauseavailablebydraftatsight.我们要求用不可撤消的、允许分批装运、金额为全部货款、并以我方为受益人的信用证，凭即期汇票支付。ThecreditisshortopenedtotheamountofRMB100.信用证的金额少开了人民币100元。Wellopenthecreditonemonthbeforeshipment.我们在装船前1个月开立信用证。ThevalidityoftheL/Cwillbeextendedto30thAugust.信用证的有效期将延至8月30日。PleaseopentheL/C20to30daysbeforethedateofdelivery.请在交货前20到30天开出信用证。Thisletterofcreditexpireson15thJuly.这张信用证7月15日到期。