usance bill; usance draft

简明释义

有期限汇票

英英释义

例句

1.A usance bill can help manage cash flow by delaying payment until the due date.

一张远期汇票可以通过推迟付款到到期日来帮助管理现金流。

2.The exporter presented a usance bill to the bank for collection after shipping the goods.

出口商在发货后向银行提交了一张远期汇票进行托收。

3.The buyer received a usance draft from the seller, which specified a payment term of 60 days.

买方收到了卖方的远期汇票，其中规定了60天的付款条款。

4.When dealing with international trade, it's common to encounter usance bills as part of the payment process.

在国际贸易中，遇到远期汇票作为付款过程的一部分是很常见的。

5.We agreed to pay the supplier using a usance draft that allows us 90 days to settle the payment.

我们同意使用一张允许我们有90天结算时间的远期汇票支付供应商。

作文

In the world of international trade, understanding various financial instruments is crucial for businesses engaged in cross-border transactions. One such instrument that plays a significant role is the usance bill, also known as a usance draft. These terms refer to a type of bill of exchange that allows for deferred payment, meaning that the payment is not required immediately but can be made at a specified future date. This flexibility can be advantageous for both exporters and importers, as it provides time for the buyer to generate revenue from the goods before settling the payment.A usance bill is typically used in situations where the seller wants to extend credit to the buyer. For example, if a manufacturer in China sells machinery to a company in Brazil, they may issue a usance draft that stipulates payment is due 90 days after the shipment date. This gives the Brazilian company time to sell the machinery and use the proceeds to pay for it. Such arrangements can help build trust between trading partners and encourage repeat business.The process of creating a usance bill involves several steps. First, the seller and buyer must agree on the terms of the sale, including the price, delivery date, and payment terms. Once these details are finalized, the seller prepares the usance draft and presents it to the buyer for acceptance. Upon acceptance, the buyer acknowledges their obligation to pay the specified amount at the agreed-upon future date. The usance bill then becomes a negotiable instrument that can be transferred to banks or other financial institutions for financing purposes.One of the key benefits of using a usance bill is that it provides a level of security for both parties involved in the transaction. The seller has the assurance that they will receive payment at a later date, while the buyer has the opportunity to manage their cash flow more effectively. Additionally, banks often provide financing options for usance drafts, allowing sellers to receive payment sooner by discounting the bill or providing a loan against it.However, there are also risks associated with usance bills. If the buyer fails to pay by the due date, the seller may face difficulties in recovering the funds. Furthermore, currency fluctuations can impact the value of the payment when it is finally received, potentially leading to losses for the seller. Therefore, it is essential for businesses to conduct thorough due diligence on their trading partners and consider using letters of credit or other safeguards when engaging in transactions involving usance drafts.In conclusion, usance bills and usance drafts are valuable tools in international trade that facilitate deferred payment arrangements. They offer advantages such as improved cash flow management and enhanced trust between trading partners. However, businesses must also be aware of the associated risks and take appropriate measures to mitigate them. By understanding these financial instruments, companies can navigate the complexities of global commerce more effectively and foster successful long-term relationships with their international counterparts.

在国际贸易的世界中，了解各种金融工具对参与跨境交易的企业至关重要。其中一种在此过程中发挥重要作用的工具是远期汇票，也称为远期草案。这些术语指的是一种汇票，允许延期付款，即不要求立即付款，而是在指定的未来日期进行付款。这种灵活性对出口商和进口商都有利，因为它为买方提供了在结算付款之前从商品中产生收入的时间。远期汇票通常用于卖方希望向买方提供信贷的情况。例如，如果中国的一家制造商向巴西的一家公司出售机械，他们可以出具一份远期草案，规定付款在装运日期后的90天到期。这给巴西公司提供了销售机械的时间，并利用收益来支付货款。这种安排可以帮助建立交易伙伴之间的信任，并鼓励重复业务。创建远期汇票的过程涉及几个步骤。首先，卖方和买方必须就销售条款达成一致，包括价格、交货日期和付款条款。一旦这些细节确定，卖方准备远期草案并将其提交给买方接受。买方接受后，确认他们在约定的未来日期支付指定金额的义务。然后，远期汇票成为可以转让给银行或其他金融机构以融资目的的可流通票据。使用远期汇票的主要好处之一是为交易双方提供了一定程度的安全保障。卖方有保证在未来某个日期会收到付款，而买方则有机会更有效地管理现金流。此外，银行通常为远期草案提供融资选项，使卖方能够通过贴现汇票或提供贷款来更早地收到付款。然而，远期汇票也存在风险。如果买方未能在到期日付款，卖方可能会面临收回资金的困难。此外，货币波动可能会影响最终收到的付款的价值，从而可能导致卖方损失。因此，企业在参与涉及远期草案的交易时，进行充分的尽职调查并考虑使用信用证或其他保障措施是非常重要的。总之，远期汇票和远期草案是国际贸易中的宝贵工具，促进了延期付款安排。它们提供了改善现金流管理和增强交易伙伴之间信任等优势。然而，企业还必须意识到相关风险并采取适当措施来减轻这些风险。通过理解这些金融工具，公司可以更有效地应对全球商业的复杂性，并与国际同行建立成功的长期关系。