悠游肚肚熊
Transmitters Message 发报报文Message No.报文编号银行报文： 就是发生转账交易需通过人民银行等系统中转发送的，传输金额、收付款人等资料的信息文件，都称为报文。即时转账就是比如超级网银等基本可实现实时到账的系统，通过这类系统传输的报文信息。有些纯信息类的也称作报文，比如查询查复报文等等。拓展资料：银行卡是由经授权的金融机构（主要指商业银行）向社会发行的具有消费信用、转账结算、存取现金等全部或部分功能的信用支付工具。银行卡业务的分类方式一般包括以下几类：（一）依据清偿方式，银行卡业务可分为贷记卡业务、准贷记卡业务和借记卡业务。借记卡可进一步分为转账卡、专用卡和储值卡。（二）依据结算的币种不同，银行卡可分为人民币卡业务和外币卡业务。（三）按使用对象不同，银行卡可以分为单位卡和个人卡。（四）按载体材料的不同，银行卡可以分为磁性卡和智能卡（IC卡）。（五）按使用对象的信誉等级不同，银行卡可分为金卡和普通卡。（六）按流通范围，银行卡还可分为国际卡和地区卡。（七）其他分类方式，包括商业银行与盈利性机构/非盈利性机构合作发行联名卡/认同卡。银行业务指银行办理的业务。按业务复杂程度和对网点依赖程度，银行业务可分为传统业务和复杂业务。按照其资产负债表的构成，银行业务主要分为三类：负债业务、资产业务、中间业务。按业务复杂程度和对网点依赖程度，银行业务可分为两块：一部分是传统业务，包括一般贷款、简单外汇买卖、贸易融资等，主要是靠大量分行网络、业务量来支持。另外是复杂业务，如衍生产品、结构性融资、租赁、引进战略投资者、收购兼并上市等，这些并不是非常依赖分行网络，是高技术含量、高利润的业务领域。 按照其资产负债表的构成，银行业务主要分为三类：负债业务、资产业务、中间业务。负债业务是商业银行形成资金来源的业务，是商业银行中间业务和资产的重要基础。商业银行负债业务主要由存款业务、借款业务、同业业务等构成。负债是银行由于受信而承担的将以资产或资本偿付的能以货币计量的债务。存款、派生存款是银行的主要负债，约占资金来源的80%以上，另外联行存款、同业存款、借入或拆入款项或发行债券等，也构成银行的负债。资产业务是商业银行运用资金的业务，包括贷款业务、证券投资业务、现金资产业务。中间业务是指不构成商业银行表内资产、表内负债形成银行非利息收入的业务，包括交易业务、清算业务、支付结算业务、银行卡业务、代理业务、托管业务、担保业务、承诺业务、理财业务、电子银行业务。
Candice18611
货到纽约后15-30天付款Payment shall be effected within 15 to 30 days after the delivery to New York.付款 Payment Terms（一） Payment is to be effected (made) before the end of this month.这个月末以前应该付款。It's convenient to make payment in pound sterling.用英镑付款较方便。Now, as regards payment, we've agreed to use U.S. Dollar, am I right?至于付款，我们已同意用美圆，对吗？We may have some difficulties making payment in Japanese yen.用日圆付款可能会有困难。I've never made payment in Renminbi before.我从未用过人民币付款。We can't accept payment on deferred terms.我们不能接受延期付款。What's your reason for the refusal of payment?你们拒付的理由是什么？Collection is not paid.托收款未得照付。We don't think you'll refuse to pay.我们相信你们不会拒付。Only one refusal of payment is acceptable to the bank.银行只接受一次拒付。You ought to pay us the bank interest once payment is wrongly refused.如果拒付错了，你们应该偿付我方的银行利息。We'll not pay until shipping documents for the goods have reached us.见不到货物装船单据，我们不付款。We're worrying that a decline in prices might lead to refusal of payment.我们担心市场价格下跌会引起拒付。Of course payment might be refused if anything goes wrong with the documents.如果单据有问题，当然可以提出拒付。The equipment will be paid in installments with the commodities produced by our factory.设备以我们工厂生产的产品分期偿还。Words and Phrasespayment 支付，付款to pay 付款，支付，偿还dishonour 拒付deferred payment 延期付款progressive payment 分期付款payment on terms 定期付款payment agreement 支付协定pay order 支付凭证payment order 付款通知payment by banker 银行支付payment by remittance 汇拨支付payment in part 部分付款payment in full 全部付讫clean payment 单纯支付simple payment 单纯支付payment by installment 分期付款payment respite 延期付款payment at maturity 到期付款payment in advance 预付（货款）Cash With Order (C.W.O) 随订单付现Cash On Delivery (C.O.D) 交货付现Cash Against Documents (C.A.D) 凭单付现pay on delivery (P.O.D) 货到付款payment in kind 实物支付payment for (in) cash 现金支付，付现pay...Co. only 仅付...公司pay...Co. not negotiable 付...公司，不准疏通pay...Co. or order (pay to the order of...Co.) 付...公司或其指定人refusal 拒绝the refusal of payment 拒付the bank interest 银行利息decline 下降，下跌something goes wrong 某事上出问题，出现差错commodity 产品convenient 方便的（二）Now we have settled the terms of payment.现在我们已经谈妥了付款条件。Shall we have a talk about terms of payment today?我们今天谈谈付款条件怎么样？What is the mode of payment you wish to employ?您希望用什么方式付款？This is the normal terms of payment in international business.这是国际贸易中惯用的付款方式。We can't accept any other terms of payment.我们不能接受其他的付款条件。If you can't be more flexible, we won't accept your terms of payment.如果你们不能灵活些，我们将不接受此种付款方式。Words and Phrasespayment terms 支付条件，付款方式the mode of payment 付款方式flexible 灵活的，多变的（三）Please protect our draft on presentation.请见票即付。Your draft will be honoured on presentation.你方的汇票见票即付。The draft was discounted in New York.汇票已经在纽约贴现。Our draft No.36 was dishonoured.我们的第三十六号汇票被拒付了。The draft has not been collected.汇票之款尚未收进。We'll be unable to meet these draft.我们无力兑付这些汇票。We've drawn a clean draft on you for the value of this sample shipment.我们已经开出光票向你方索取这批货的价款。We've drawn on you for payment of the invoice amounting to $20,000.我们已经按照发票金额20，000美圆向你方开出了汇票。The draft has been handed to the bank on clean collection.汇票已经交银行按光票托收。You can draw on me just as if there were a letter of credit.您就当作有信用证一样，向我开汇票托收。We're sending our draft through Bank of China for documentary collection.我们将汇票交中国银行按跟单托收。We'll draw on you by our documentary draft at sight on collection basis.我们将按托收方式向你方开出即期跟单汇票。We'll draw a sight bill in favour of the Export Bank Singapore.我们要开立一张以新加坡出口银行为收款人的即期汇票。We've already remitted the amount by cheque.我们已经将款以支票汇出。We enclose a cheque for RMB200.我们附上人民币200元的支票一张。Words and Phrasesdiscount 贴现draft 汇票Promisory Note 本票cheque 支票clean bill 光票documentary bill 跟单汇票Sight Bill 即期汇票Time Bill 远期汇票Usance Bill 远期汇票Commercial Bill 商业汇票Banker's Bill 商业汇票Banker's Bill 银行汇票Commercial Acceptance Bill 商业承兑汇票Bankers' Acceptance Bill 银行承兑汇票invoice 发票Performer Invoice 形式发票Sample Invoice 样品发票Consignment Invoice 寄售发票Recipe Invoice 收妥发票Certified Invoice 证明发票Manufacturers' Invoice 厂商发票At sight 即期，见票即付At...days (month)after sight 付款人见票后若干天（月）付款At...days sight 付款人见票后若干天即付款At...days after date 出票后若干天付款At...days after B/L 提单签发后若干天付款remittance 汇付Mail transfer (M/T) 信汇Demand Draft (D/D) 票汇Telegraphic Transfer (T/T) 电汇collection 托收clean Bill for Collection 光票托收Documentary Bill for Collection 跟单托收Uniform Rules for Collection 《托收统一规则》Collection Advice 托收委托书Advice of Clean Bill for Collection 光票托收委托书Collection Bill Purchased 托收出口押汇Trust Receipt 信托收据copy 副本original 正本（四） We regret we can't accept payment "cash against document".很抱歉，我们不能接受凭单付款办法。We'll agree to change the terms of payment from L/C at sight to D/P at sight.我们同意将即期信用证付款方式改为即期付款交单。We accept D/P payment for future dealings.以后的交易我们以付款交单方式支付。We can do the business on 60 days D/P basis.我们可以按60天付款交单的方式进行交易。We agree to draw at 30 days D/P.我们同意开立30天期的付款交单汇票。We'll draw D/P against your purchase.我们按付款交单方式收你方这批货款。As a special sign of encouragement, we'll consider accepting payment by D/P at this sales-purchasing stage.在此推销阶段，我们将考虑接受付款交单方式以资鼓励。We regret we can't accept "Cash against Documents" on arrival of goods at destination.很抱歉，我们不能同意“货抵目的地付款交单”方式付款。The buyer suggested D/A as the terms of payment, but the seller was unwilling to make any exception.买方建议用承兑交单作为付款方式，但卖方不愿例外。We can't agree to draw at 30 days D/A.我们不同意开具30天期的承兑交单汇票。So it's better for us to adopt D/P or D/A.因此，最好是采用付款交单方式或承兑交单方式。I suppose D/P or D/A should be adopted as the mode of payment this time.我建议这次用付款交单或承兑交单方式来付款。It would help me greatly if you would accept D/A or D/P.如果您能接受D/P或D/A付款，那可帮了我们大忙。Could you make an exception and accept D/A or D/P?您能否来个例外，接受D/A或D/P付款方式？Words and PhrasesDocuments against Payment (D/P) 付款交单Documents against Payment at Sight (D/P sight) 即期付款交单Documents against Payment after Sight (D/P sight) 远期付款交单Documents against Acceptance (D/A) 承兑交单dealing 交易，生意sales-purchasing 促销，推销stage 阶段，过程destination 目的地to make exception 例外Cash Against Payment 凭单付款（五）We insist on a letter of credit.我们坚持用信用证方式付款。As I've said, we require payment by L/C.我已经说过了，我们要求以信用证付款。We still intend to use letter of credit as the term of payment.我们仍然想用信用证付款方式。We always require L/C for our exports.我们出口一向要求以信用证付款。L/C at sight is normal for our exports to France.我们向法国出口一般使用即期信用证付款。We pay by L/C for our imports.进口我们也采用信用证汇款。Our terms of payment is confirmed and irrevocable letter of credit.我们的付款条件是保兑的不可撤消的信用证。You must be aware that an irrevocable L/C gives the exporter the additional protection of banker's guarantee.你必须意识到不可撤消信用证为出口商提供了银行担保。Is the wording of "confirmed" necessary for the letter of credit?信用证上还用写明“保兑”字样吗？For payment we require 100% value, irrevocable L/C in our favour with partial shipment allowed clause available by draft at sight.我们要求用不可撤消的、允许分批装运、金额为全部货款、并以我方为抬头人的信用证，凭即期汇票支付。What do you say to 50% by L/C and the balance by D/P?百分之五十用信用证，其余的用付款交单，您看怎么样？Please notify us of L/C number by telex immediately.请立即电传通知我方信用证号码。The beneficiary of the L/C is to be China National Corporation, Beijing.信用证的受益人为中国工艺品进出口公司北京分公司。Will you please increase the credit to $1000?能不能把信用证金额增至1000美圆？The credit is short opened to the amount of RMB100.信用证的金额少开了人民币100元。Your L/C No. 48 is short of $29.你方第48号信用证少开了29美圆。Many banks in Europe are in a position to open L/C and effect payment in Renminbi.欧洲的许多银行能够开立信用证，而且用人民币支付。I open a letter of credit in Renminbi with a bank in U.S.A.我在美国的一家银行开立了人民币信用证。The Barclays Bank in London is in a position to open letters of credit in Renminbi against our sales confirmation or contract.伦敦巴克莱银行可以凭我们的销售确认书或合同开立人民币信用证。When do I have to open the letter of credit?顺便问一句，您几时开立信用证呢？When can you arrange for a credit under the new import license?按照新的进口许可证规定，你方什么时候能开出一张信用证？Please open letter of credit in good time.请及时开出信用证。We'll open the letter of credit at sight.我们会按时开证的。I agree to use letter of credit at sight.我同意用即期信用证付款。Is the credit at sight or after sight?信用证是即期的还是远期的？Our letter of credit will be opened early March.我们在3月初开出信用证。We'll open the credit one month before shipment.我们在装船前1个月开立信用证。Please open the L/C 20 to 30 days before the date of delivery.请在交货前20到30天开出信用证。This letter of credit expires on 15th July.这张信用证7月15日到期。The validity of the L/C will be extended to 30th August.信用证的有效期将延至8月30日。Will you persuade your customer to arrange for a one-month extension of L/C No.TD204?你们能不能劝说客户将TD204号信用证延期一个月？To do so, you could save bank charges for opening an L/C.这样做，你们可以省去开证费用。It's expensive to open an L/C because we need to put a deposit in the bank.开证得交押金，因此花费较大。We pay too much for such a letter of credit arrangement.这种信用证付款方式让我们花费太大了。There will be bank charges in connection with the credit.开立信用证还要缴纳银行手续费。A letter of credit would increase the cost of my import.信用证会增加我们进口货物的成本。The seller will request to amend the letter of credit.卖方要修改信用证。Please amend L/C No.205 as follows.请按下述意见修改第205号信用证。Your refusal to amend the L/C is equivalent to cancellation of the order.你们拒绝修改信用证就等于取消订单。Words and PhrasesLetter of Credit (L/C) 信用证form of credit 信用证形式Terms of validity 信用证效期Expiry Date 效期Date of issue 开证日期L/C amount 信用证金额L/C number 信用证号码to open by airmail 信开to open by cable 电开to open by brief cable 简电开证to amend L/C 修改信用证fixed L/C or fixed amount L/C 有固定金额的信用证Sight L/C 即期信用证Usance L/C 远期信用证Buyer's Usance L/C 买方远期信用证Traveler's L/C 旅行信用证Revocable L/C 可撤消的信用证Irrevocable L/C 不可撤消的信用证Confirmed L/C 保兑的信用证Unconfirmed L/C 不保兑的信用证Confirmed Irrevocable L/C 保兑的不可撤消信用证Irrevocable Unconfirmed L/C 不可撤消不保兑的信用证Transferable L/C 可转让信用证Untransferable L/C 不可转让信用证Revolving L/C 循环信用证Reciprocal L/C 对开信用证Back to Back L/C 背对背信用证Countervailing credit （俗称）子证Overriding credit 母证Banker's Acceptance L/C 银行承兑信用证Trade Acceptance L/C 商业承兑信用证Red Clause L/C 红条款信用证Anticipatory L/C 预支信用证Credit payable by a trader 商业付款信用证Credit payable by a bank 银行付款信用证usance credit payment at sight 假远期信用证Uniform Customs and Practice for Documentary Credits 跟单信用证统一惯例I.C.C. Publication No.400 第400号出版物Credit with T/T Reimbursement Clause 带有电报索汇条款的信用证method of reimbursement 索汇方法without recourse 不受追索Opening Bank' Name & Signature 开证行名称及签字beneficiary 受益人guarantor 保证人Exporter's Bank 出口方银行Importer's Bank 进口方银行Seller's Bank 卖方银行Buyer's Bank 买方银行Paying Bank 付款行，汇入行Remitting Bank 汇出行Opening Bank 开证行Issuing Bank 开证行Advising Bank 通知行Notifying Bank 通知行Negotiating Bank 议付行Drawee Bank 付款行Confirming Bank 保兑行Presenting Bank 提示行Transmitting Bank 转递行Accepting Bank 承兑行Additional Words and Phrasespay bearer 付给某人bearer 来人payer 付款人consignee 受托人consignor 委托人drawer 出票人principal 委托人drawee 付款人consingnee 受托人truster 信托人acceptor 承兑人trustee 被信托人endorser 背书人discount 贴现endorsee 被背书人endorse 背书holder 持票人endorsement 背书bailee 受托人，代保管人payment against documents 凭单付款payment against documents through collection 凭单托收付款payment by acceptance 承兑付款payment by bill 凭汇票付款Letter of Guarantee (L/G) 保证书Bank Guarantee 银行保函Contract Guarantee 合约保函Payment Guarantee 付款保证书Repayment Guarantee 还款保证书Import Guarantee 进口保证书Tender/Bid Guarantee 投标保证书Performance Guarantee 履约保证书Retention Money Guarantee 保留金保证书Documents of title to the goods 物权凭证Authority to Purchase (A/P) 委托购买证Letter of Indication 印鉴核对卡Letter of Hypothecation 质押书General Letter of Hypothecation 总质押书
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