documentary credit

简明释义

押汇信用

英英释义

例句

1.The exporter received payment through a documentary credit, ensuring that the goods would be shipped before funds were released.

出口商通过信用证收到了付款，确保在资金释放之前货物会被发运。

2.Using a documentary credit can reduce risks for both buyers and sellers in international trade.

使用信用证可以降低国际贸易中买卖双方的风险。

3.The bank issued a documentary credit to facilitate the transaction between the importer and exporter.

银行签发了信用证以促进进口商和出口商之间的交易。

4.Before shipping, the seller must present the required documents to the bank under the documentary credit terms.

在发货之前，卖方必须根据信用证条款向银行提交所需的文件。

5.A documentary credit provides a guarantee that the seller will be paid as long as they comply with the terms.

只要卖方遵守条款，信用证就提供了卖方将获得付款的保证。

作文

In the world of international trade, the term documentary credit refers to a financial instrument that provides a guarantee of payment from a buyer's bank to a seller's bank, provided that the seller meets specific conditions outlined in the credit. This mechanism is crucial for facilitating transactions between parties who may not know each other well, as it reduces the risk involved in cross-border trade. Documentary credit is widely used in various industries, especially in the import and export sectors, where trust and reliability are paramount.The process begins when a buyer applies for a documentary credit through their bank, known as the issuing bank. The buyer specifies the terms and conditions that the seller must fulfill to receive payment. These terms typically include the delivery of goods, shipping documents, and compliance with certain quality standards. Once the issuing bank approves the application, it issues the documentary credit and sends it to the seller's bank, known as the advising bank.Upon receiving the documentary credit, the advising bank verifies its authenticity and informs the seller. The seller can then prepare the goods and arrange for shipment. After shipping, the seller collects the necessary documents, such as the bill of lading and commercial invoice, which prove that the goods have been dispatched according to the terms of the documentary credit.Once the seller has gathered all required documents, they present them to their bank, which forwards them to the issuing bank for verification. If the documents meet the conditions set forth in the documentary credit, the issuing bank releases the payment to the seller's bank. This process ensures that the seller receives their payment while the buyer can be assured that the goods will be delivered as agreed.One of the key advantages of using documentary credit is that it mitigates risks associated with international trade. For sellers, it provides a level of security since they know that their payment is guaranteed as long as they comply with the terms. For buyers, it ensures that they only pay for goods that have been shipped and meet the specified conditions. This mutual assurance fosters trust between trading partners, making it easier to conduct business across borders.However, it is essential to understand that documentary credit is not without its complexities. Both buyers and sellers must carefully review the terms and conditions to avoid discrepancies that could lead to payment delays or disputes. Additionally, banks may charge fees for issuing and processing documentary credits, which can add to the overall cost of the transaction.In conclusion, documentary credit plays a vital role in international trade by providing a secure method of payment that benefits both buyers and sellers. By understanding how documentary credit works and its implications, businesses can navigate the complexities of global commerce more effectively. As international trade continues to grow, the importance of documentary credit as a tool for facilitating transactions cannot be overstated. It remains an essential component in building trust and ensuring smooth exchanges in the global marketplace.

在国际贸易中，术语信用证指的是一种金融工具，提供买方银行向卖方银行的付款担保，前提是卖方满足信用证中规定的特定条件。这个机制对于促进那些可能不太了解彼此的各方之间的交易至关重要，因为它减少了跨境贸易中的风险。信用证在各个行业中被广泛使用，尤其是在进出口领域，在这里信任和可靠性是至关重要的。这一过程始于买方向其银行申请信用证。买方指定卖方必须满足的条款和条件，以便获得付款。这些条款通常包括货物交付、运输文件以及遵守某些质量标准。一旦发行银行批准申请，它就会签发信用证并将其发送给卖方的银行，即通知银行。在收到信用证后，通知银行会验证其真实性并通知卖方。卖方可以准备货物并安排运输。在运输之后，卖方收集必要的文件，如提单和商业发票，这些文件证明货物已按照信用证的条款发出。一旦卖方收集到所有所需文件，他们就会将其提交给自己的银行，该银行将其转发给发行银行进行验证。如果文件符合信用证中规定的条件，发行银行就会向卖方的银行释放付款。这个过程确保卖方在付款的同时，买方可以确保货物将按约定交付。使用信用证的一个主要优势是它减轻了与国际贸易相关的风险。对于卖方来说，它提供了一定程度的安全性，因为他们知道只要遵守条款，付款就有保障。对于买方来说，它确保他们只为已发货且符合指定条件的货物付款。这种相互保证在交易伙伴之间建立了信任，使跨境业务变得更加容易。然而，必须理解的是，信用证并非没有复杂性。买卖双方必须仔细审查条款和条件，以避免可能导致付款延迟或争议的差异。此外，银行可能会收取发放和处理信用证的费用，这可能会增加交易的整体成本。总之，信用证在国际贸易中发挥着至关重要的作用，提供了一种安全的支付方式，使买卖双方受益。通过了解信用证的运作及其影响，企业可以更有效地应对全球商业的复杂性。随着国际贸易的持续增长，信用证作为促进交易的工具的重要性不容小觑。它仍然是建立信任和确保全球市场顺利交易的基本组成部分。