剑桥商务英语课件Unit-Seven.ppt

Unit Seven Money matters Study objectives In business there are many occasions when people have to deal with money and talk about money. Within a company there are business situations in which receipt of money and the payment of money is the central occupation. This units gives you the opportunity to use and practise monetary English in some of the most relevant settings. These include ‘dealing with figures’, ‘invoicing and billing customers’, ‘using Letters of Credit’, ‘reminding a customer of non-payment’ and dealing with ‘credit assessment’ of customers. Payment Terms I. Payment Instruments Bill of Exchange; Draft（汇票） Promissory Note（本票） Check or Cheque （支票） II. Methods of payment 1. Remittance Cash in advance Open account 2. Collection 3. Documentary Credit Major Methods of Payment in Foreign Trade Ⅰ.CWO----cash with order (订货付现） It is a system of paying for goods when the order is placed. This method is uncommon since you extend credit to your supplier; in addition you run the risk that the goods will not be dispatched in accordance with the contract terms. But this is usual with mail order, where you pay by cheque or by using a credit card. Ⅱ.Open account (往来帐户) This is a simple agreement in which you agree to pay for the goods after you have received them, usually on a monthly basis. There are various ways in which you can send money to your suppliers under open account. Your suppliers may suggest the method to be used, for example: ? Cheque ? Banker’s draft ?Telegraphic Transfer Net monthly account Open account, 90 days from arrival of the goods Open account, 90 days from invoice date Open account, cash within 30 days, 1% discount. Maximum credit period 180days Cheque （支票） A?cheque?is?an?unconditional?order?in?writing? addressed?by?the?customer to a?bank signed?by?that?customer?authorizing?the?bank?to?pay?on?demand?a?specified sum?of?money?to a?named?person?or?to?bearer?． 支票是银行存款户对银行签发的授权银行对某人或其指定人或