Bill of Exchange vs Letter of Credit
进行国际业务时使用了许多付款机制。信用证和汇票是国际贸易中常用的两种此类机制,这些机制促进了买方的信用额度。两者之间的主要相似之处在于,只要提供所有文件并满足条款和条件,就可以保证卖方付款。下面的文章仔细研究了信用证和交流清单,并展示了这些付款机制如何相似且彼此不同。
什么是信用证?
信用证用于在国际付款交易中提供信贷。信用证是一项协议,在该协议中,买方银行保证在交付商品/服务时向卖方银行支付。买方和卖方同意开展业务,买方就请求发行银行的信用证,以确保国际交易是安全和保证的。一旦卖方运送货物(根据合同),发行银行就会将信用证发送给咨询银行。一旦交付货物并要求付款请求(有或没有文件,取决于信用证的类型),则发行银行将此金额支付给卖方的银行。最后,发行银行从买方那里获得了付款并释放文件,以便买方现在可以从承运人那里索取货物。
信用证中的风险很小,因为卖方可以(从发行银行)获得付款,而不管买方是否能够付款。信用证还将确保卖方符合信用证中商定的所有质量标准。信用证类型很少,其中包括记录信用和备用信用证。当使用备用信用证时,卖方可能不必提交所有文件即可获得付款,仅仅付款请求应确保资金从买方银行(发行银行)转移到卖方的银行。
什么是汇票?
一般来说,在internati使用汇票onal trade activities where one party will pay a fixed amount of funds to another party at a predetermined date in the future. The bill of exchange will facilitate a line of credit for international traders. The party who writes up the bill of exchange is known as the drawer, and the party that is to pay the sum of money is known as the drawee. The drawee will accept the terms laid out in the bill by signing it, which will then convert this into a binding contract. The seller can discount their bill of exchange with the bank and obtain immediate payment. The bank will then obtain the funds from the drawee. A bill of exchange facilitates secure transactions by ensuring that the bank will accept the bill of exchange written up by drawee, which means that the seller will receive the funds regardless of whether the buyer pays or not.
What is the difference between Bill of Exchange and Letter of Credit?
Both letter of credit and bill of exchange facilitate international transactions between buyers and sellers. Both letters of credit and bill of exchange facilitate lines of credit for the buyer and provide assurance to the seller that the payment will be made regardless of whether the buyer is able to meet his payment obligations. The main difference between the two is that a letter of credit is a payment mechanism whereas a bill of exchange is a payment instrument. The letter of credit will set up the conditions that are to be met in order for the payment to be made, and is not the actual payment itself. On the other hand, a bill of exchange is a payment instrument where the seller can discount the bill of exchange with the bank and receive payment. At maturity, the bill of exchange will become a negotiable payment instrument that can be traded, and the holder of the bill of exchange (either the seller or the bank) will receive payment.
概括:
Bill of Exchange vs Letter of Credit
• Letters of credit and bill of exchange both facilitate international transactions between buyers and sellers.
•信用证和交易单都促进了买方的信用额度,并向卖方保证,无论买方是否能够履行其付款义务,都将支付付款。
•信用证是一项协议,在该协议中,买方的银行保证在交付商品/服务时向卖方银行付款。
•汇票通常在国际贸易活动中使用,其中一方将在未来的预定日期向另一方支付固定数量的资金。
•两者之间的主要区别在于,信用证是付款机制,而交换单是付款工具。
Larssays
如果吸引者将来无法在预定点上付款,该保证是否保证汇票下的付款?他的银行保证了吗?我认为BOE的贸易能力在很大程度上取决于吸引者的信用价值。
santoshsays
是L.C.仅在国际贸易中?
巴拉特·库马尔(Bharath Kumar)says
要准备卖方的交易单,是否需要LC