一、电汇---Telegraphic Transfer T/T

电汇是汇出行应汇款人的申请，拍发加押电报或电传（Tested Cable/Telex）或者通过SWIFT给国外汇入行，指示其解付一定金额给收款人的一种汇款结算方式。
电汇以电报、电传作为结算工具，安全迅速、费用也较高，由于电报电传的传递方向与资金的流向是相同的，因此电汇属于顺汇。

T/T,虽然有一定的风险,但是费用低,现在在世界的外贸付款方式中很流行.
一共有几种方式吧,
1.100%前TT,这种方式很少见,如果你的客人在下单的时候给你100%TT过来,那么你走运了.这个客人应该是老客人或者金额比较小才会这么做.
2.100%后TT,这个有一定的风险性,除非是老客人,否则我们就太被动了,随时都有可能钱货两空,付不付款全靠客人的信用.
3.30%前TT(作定金),70%后TT,见提单付本付款,这种是最为常见的.

二、信用证（Letter of Credit，L/C）

XINYONGZHENG（Letter of Credit，L/C），SHIZHIYINGSHENQINGRENDEYAOQIUBINGANQIZHISHIXIANGDISANFANGKAILIDEZAIYOUYIDINGJINEDE，ZAIYIDINGDENEIPINGFUHEGUIDINGDEFUKUANDESHUMIANBAOZHENGWENJIAN。XINYONGZHENGSHIZHONGZUIZHUYAO、ZUICHANGYONGDEZHIFUFANGSHI。

主要内容：

1、DUIXINYONGZHENGBENSHENDESHUOMING。RUQI、XINGZHI、YOUXIAOQIJIDAOQI。

黑龙江体彩网 2、DUIHUOWUDEYAOQIU。GENJUHETONGJINXINGMIAOSHU。

黑龙江体彩网 3、DUIYUNSHUDEYAOQIU。

黑龙江体彩网 4、DUIDANJUDEYAOQIU，JIHUOWUDANJU、YUNSHUDANJU、JIQITAYOUGUAN。

5、TESHUYAOQIU。

6、KAIZHENGXINGDUISHOUYIRENJIHUIPIAOCHIYOURENBAOZHENGFUKUANDEZERENWENJU。

7、GUOWAILAIZHENGDADUOSHUJUNJIAZHU：“CHULINGYOUGUIDINGWAI，BENZHENGGENJUGUOJISHANGHUI《》JIGUOJISHANGHUI600HAOCHUBANWU （《》）BANLI。”

8、YINXINGJIANSUOCHANGTIAOKUAN(t/t reimbursement clause)。

XINYONGZHENGFANGSHIYOUSANGETEDIAN：

1、SHIXINYONGZHENGSHIYIXIANGZIZUWENJIAN（self-sufficient instrument）。XINYONGZHENGBUYIFUYUMAIMAIHETONG，YINXINGZAISHIQIANGDIAODESHIXINYONGZHENGYUJICHUMAOYIXIANGFENLIDESHUMIANXINGSHISHANGDERENZHENG；

2、SHIXINYONGZHENGFANGSHISHICHUNDANJUYEWU（pure documentary transaction）。XINYONGZHENGSHIPINGDANFUKUAN，BUYIHUOWUWEIZHUN。ZHIYAODANJUXIANGFU，KAIZHENGXINGJIUYINGWUTIAOJIAN；

3、SHIKAIZHENGYINXINGFUSHOUYAOFUKUANZEREN（primary liabilities for payment）。XINYONGZHENGSHIYIZHONGYINXINGXINYONG，TASHIYINXINGDEYIZHONGDANBAOWENJIAN，KAIZHENGYINXINGDUIZHIFUYOUSHOUYAOFUKUANDEZEREN。

黑龙江体彩网 XINYONGZHENGZHONGLEI：

黑龙江体彩网 YIKAIZHENGXINGSUOFUDEZERENWEIBIAOZHUNKEYIFENWEI：

黑龙江体彩网 ①（Irrevocable L/C）。ZHIXINYONGZHENGYIJINGKAICHU，ZAIYOUXIAOQINEI，WEIJINGSHOUYIRENJIYOUGUANDANGSHIRENDETONGYI，KAIZHENGXINGBUNENGPIANMIANXIUGAIHECHEXIAO，ZHIYAOSHOUYIRENTIGONGDEDANJU FUHEXINYONGZHENGGUIDING，KAIZHENGXINGBIXULVXINGFUKUANYIWU。

②(Revocable L/C)。KAIZHENGXINGBUBIZHENGDESHOUYIRENHUOYOUGUANDANGSHIRENTONGYIYOUQUANSUISHICHEXIAODEXINYONGZHENG，YINGZAIXINYONGZHENGSHANGZHUMING“KECHEXIAO”ZIYANG。DAN《UCP500》GUIDING： ZHIYAOSHOUYIRENYIXINYONGZHENGTIAOKUANGUIDINGYIDEDAOLEYIFU、CHENGDUIHUOYANQIFUKUANBAOZHENGSHI，GAI XINYONGZHENGJIBUNENGBEICHEXIAOHUOXIUGAI。TAHAIGUIDING，RUXINYONGZHENGZHONGWEIZHUMINGSHIFOUKECHEXIAO， YINGSHIWEIBUKECHEXIAOXINYONGZHENG。

ZUIXINDE<>GUIDINGYINXINGBUKEKAILIKECHEXIAOXINYONGZHENG!

黑龙江体彩网 GENJUFUKUANSHIJIANBUTONG，KEYIFENWEI：

(L/C at sight)。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，立即履行付款义务的信用证。

JIQIXINYONGZHENGFUKUANSHIJIANWEI：YINXINGSHOUDAODANJUHOU5GEGONGZUORINEI。

黑龙江体彩网 (Usance L/C)。ZHIKAIZHENGXINGHUOFUKUANXINGSHOUDAOXINYONGZHENGDEDANJUSHI，ZAIGUIDINGNEILVXINGFUKUANYIWUDEXINYONGZHENG。 （60TIAN.90TIAN.120TIAN）

黑龙江体彩网 YUANQIXINYONGZHENGKEYIZAIYINXINGSHENQINGTIEXIAN。

XINYONGZHENGCAOZUOLIUCHENG

(1)开证申请人根据合同填写开证申请书并交纳押金或提供其他保证，请开证行开证。

(2)KAIZHENGXINGGENJUSHENQINGSHUNEIRONG，XIANGSHOUYIRENKAICHUXINYONGZHENGBINGJIJIAOCHUKOURENSUOZAIDITONGZHIXING。

黑龙江体彩网 (3)TONGZHIXINGHEDUIWUWUHOU，JIANGXINYONGZHENGJIAOSHOUYIREN。

黑龙江体彩网 (4)SHOUYIRENNEIRONGYUHETONGGUIDINGXIANGFUHOU，ANXINYONGZHENGGUIDINGZHUANGYUNHUOWU、BEITUODANJUBINGKAICHUHUIPIAO，ZAIXINYONGZHENGYOUXIAOQINEI，SONGYIFUXINGYIFU。

黑龙江体彩网 (5)YIFUXINGANXINYONGZHENGTIAOKUANDANJUWUWUHOU，BAHUOKUANDIANFUJISHOUYIREN。

(6)YIFUXINGJIANGHUIPIAOHEHUOYUNDANJUJIKAIZHENGXINGHUOQITEDINGDEFUKUANXINGSUOCHANG。

(7)KAIZHENGXINGHEDUIDANJUWUWUHOU，FUKUANJIYIFUXING。

黑龙江体彩网 (8)KAIZHENGXINGTONGZHIKAIZHENGRENFUKUANSHUDAN。

三、D/P(documents against payment via bank)

D/P,YEJIUSHIYINXINGTUOSHOU,YISISHINIBADANJUJIAOJINIDEYINXING,NIDEYINXINGZAIJIJIDUIFANGYINXING(YIBANXUWEIKEHUZHIDINGDEYINXING)DUIFANGYINXINGSHOUDAODANHOUTONGZHIKEREN,KERENFULEQIANHOUNADAN.

D/PDECAOZUOLIUCHENG

黑龙江体彩网 D/P（FUKUANJIAODAN）ZUOWEITUOSHOUYEWUDEYIZHONGLEIXING，YOUFENWEILIANGZHONGJIBENDEJIAOYILEIXING：JIQID/PHEYUANQID/P。MUQIANGUOJIMAOYIJIESUANZHONG，GEFANGDOUZUNXUNGUOJISHANGHUIDE《TUOSHOUTONGYIGUIZE》（MUQIANSHIYONGDESHIGUOJISHANGHUICHUBANWUDI522HAO，SHIWUZHONGJIANCHENGURC522），LAICHULIYOUGUAND/PYEWU。

黑龙江体彩网 JIQIHEYUANQID/PDECAOZUOLIUCHENGJIBENRUXIA：

（1）MAIFANGHEMAIFANGZAIHETONGZHONGYUEDINGCAIYONGD/PFANGSHIJIESUAN，ZHEISHIJICHU；

（2）MAIFANGJIAOFUHUOWUHOUZHUNBEIQUANBUDANJU（BAOKUOHUOYUNDANZHENGRUTIDAN，HESHANGYEDANZHENGRUHUIPIAO、FAPIAODENG）；

（3）MAIFANGXIANGQIWANGLAIWAIHUIYINXINGTICHUBANLID/PTUOSHOUDEYAOQIU，TIANXIETUOSHOUZHISHISHUBINGJIAOFUQUANBUDANJU；

黑龙江体彩网 （4）MAIFANGDEWAIHUIWANGLAIYINXINGSHENHEJIESHOUHOUSHOUXIATUOSHOUZHISHISHUHEQUANBUDANJU，BINGKAIJUSHOUTIAOJIMAIFANG；

黑龙江体彩网 （5）MAIFANGWANGLAIYINXINGJIANGQUANTAODANJUFENLIANGPIJISONGMAIFANGWANGLAIYINXING（GAIYINXINGKEYIYOUMAIFANGYINXINGZHIDINGYEKEYISHIMAIFANGZAITUOSHOUZHISHISHUZHONGMINGQUE，HOUZHEJUDUO）；

（6）MAIFANGYINXINGSHOUDAOQUANBUDANJUHOUJIANGDANJUXIANGMAIFANGJINXINGTISHI；

黑龙江体彩网 （7）MAIFANGXIANGMAIFANGYINXINGZHIFUKUANXIANG（JIQID/PQINGKUANG），HUOZHEMAIFANGSHENHEDANJUHOUYUYICHENGDUIBINGZAIDAOQISHIFUKUAN（YUANQID/PDEQINGKUANG）；

黑龙江体彩网 （8）MAIFANGYINXINGZAISHOUDAOMAIFANGKUANXIANGHOUJIANGQUANBUDANJUJIAOJIMAIFANG；

黑龙江体彩网 （9）MAIFANGYINXINGJIANGSHOUDAODEKUANXIANGZHUANJIAOJIMAIFANGYINXING，BINGYOUMAIFANGYINXINGZHUANJIAOJIMAIFANG。

ZAID/PYEWUZHONG，YINXINGBINGBUSHENHEDANJUDENEIRONG，YINXINGYEBUCHENGDANFUKUANYIWU。YINXINGZHISHITIGONGZHUANJIAODANJU、DAIWEITISHIDANJU、DAIWEISHOUKUANZHUANZHANGDENGFUWU。

黑龙江体彩网 ZAID/PCHUKOUYEWUZHONG，CHUKOUSHANGYINGDANGZHUYIRUXIAZHONGYAOWENTI：

1．D/PYEWUZHONG，CHUKOUSHANGHUODEHUOKUANDEBAOZHANGSHIJINKOUSHANGDEZIXIN，YINCIZHUZHONGJINKOUSHANGDEZHIFUNENGLIHESHANGYEXINYU，SHIDEDAOKUANXIANGDEZHONGYAOQIANTI。

黑龙江体彩网 2．ZAIHUOWUJIAOFUHOU，DANJUCONGCHUKOUSHANGDAOJINKOUSHANGDELIUZHUANGUOCHENGZHONG，YAOZHUYITOUGUODANJUDEKONGZHILAIKONGZHIHUOWU，ZAIJINKOUSHANGFUKUANZHIQIAN，YINGDANGLAOLAOKONGZHIDANJU。

黑龙江体彩网 3．SHIJIANZHONGCHANGCHANGCHUXIANWENTIDEDIFANG，DOUSHIZAIDANJUDELIUZHUAN、JIAOJIEDIAN，JICHUKOUSHANGJIAODAOYINXINGJIAOJIEDIAN、MAIFANGYINXINGDAOMAIFANGYINXINGDEJIAOJIEDIAN、MAIFANGYINXINGJIAODAOJINKOUSHANGDEJIAOJIEDIAN。YINCI，XUYAOKONGZHIHAOZHEIXIEJIAOJIEDIAN，DANJUYAOANZHAOGUIFANLIUZHUAN。

4．JINLIANGCAIYONGZHISHITIDANDEFANGSHI。ZHEIYANGKEYITONGGUOKONGZHITIDANLAIKONGZHIHUOWU。

D/PDEFENGXIAN

JINGUANLIANGZHONGQINGKUANGXIAJINKOUDIYINXINGBIXUZAIJINKOUSHANGFUKUANHOUCAINENGJIAOFUDANJUJIJINKOUSHANG，YINERLIANGZHEZAIFALVSHANGDEFENGXIANYINGDANGSHUOSHIYIYANGDE，DANSHIYOUYUSHANGYESHIJIANZHONGMIANLINDEFENGXIANBUTONG，CHUKOUSHANGZIXINGZHIJIEXIANGMAIFANGZHIDINGYINXINGTISHIFUKUANFENGXIANGENGDA。

GENJUGUOJISHANGHUI《TUOSHOUTONGYIGUIZE》DEGUIDING，ZHENGCHANGDETUOSHOUZUOFASHICHUKOUGONGSIWEITUOQIWANGLAIYINXINGBANLITUOSHOU，GAIXINGWEITUOSHOUXING，TUOSHOUXINGZAIZIXINGWEITUOJINKOUSHANGDEWANGLAIYINXINGHUOZHEWEITUOJINKOUSHANGZHIMINGDEYINXINGBANLITISHIFUKUANDENG（DAISHOUXING）。DANSHI，ZAITUOSHOUYEWUZHONG，TUOSHOUYINXINGBINGMEIYOUYIWUJIESHOUCHUKOUSHANGDEWEITUO。HUANYANZHI，ZAISHOUDAOTUOSHOUZHISHIHOU，YINXINGSHIYOUQUANJUJUEBANLIDE。

CHUKOUSHANGTONGGUOZIJIDEWANGLAIYINXING（TUOSHOUXING）BANLITUOSHOU，TUOSHOUXINGHUIANPAIDAISHOUXING（WULUNGAIXINGSHIFOUWEIJINKOUSHANGZHIMING，YEBULUNQISHIFOUWEIJINKOUSHANGDEWANGLAIYINXING）DAIWEIBANLITISHIHESHOUKUAN。TUOSHOUXINGDUIYUYOUJITUOSHOUDANZHENGGUOCHENGZHONGDEFENGXIAN，XUYAOXIANGCHUKOUSHANGCHENGDANYIWU。BINGQIE，RUGUOZAITISHIFUKUANGUOCHENGCHUXIANRENHEDEWENTI，TUOSHOUXINGHUIYUDAISHOUXINGJINXINGCHONGFENYOUXIAODELIANXI。

XIANGFAN，RUGUOCHUKOUSHANGZIXINGYOUJIDANZHENG，YIFANGMIANDANZHENGZAIYOUJITUZHONGHUISUN、MIESHIDEFENGXIANYAOYOUCHUKOUSHANGZIXINGCHENGDAN，LINGYIFANGMIAN，CHUKOUSHANGBINGBUSHIJINKOUDIYINXINGDEWANGLAIKEHU，JINKOUDIYINXINGDUIRUHEGUANLICITUOSHOUYEWUYEYOUKUNAO，CONGERDAOZHIGAIYINXINGCHULIGAITUOSHOUYEWUSHIHOUWUFANARUZHENGCHANGDEGUANLICHENGXU，ERXUYAOYUYITEBIECHULI。

LINGWAI，CHUKOUSHANGWANGWANGWUFAPANDUANJINKOUSHANGTIGONGZHIYINXINGZILIAODEZHUNQUEXING，BIRUYINXINGMINGCHENG、DIZHI。RUGUOMINGCHENGHEDIZHIYOUWU，KENENGDAOZHITARENSHOUXIQUANBUDANZHENG，ERKENENGDAOZHIBEIQITARENPINGZHENGBENDANJUTIQUHUOWU。ZAICHUKOUSHANGXUYIQIZHADEQINGKUANGXIA，ZHIJIEYOUJIDANJUWUYIHUIJIQIZHAZHEDAILAIHENDADEFANGBIAN。