usance letter of credit

简明释义

远期信用证

英英释义

例句

1.A usance letter of credit 远期信用证 is often preferred in international trade to provide security for both parties involved.

在国际贸易中，通常更倾向于使用usance letter of credit 远期信用证以为双方提供保障。

2.The exporter received a usance letter of credit 远期信用证 from the importer, allowing them to ship goods without immediate payment.

出口商收到了来自进口商的usance letter of credit 远期信用证，允许他们在不立即付款的情况下发货。

3.Before shipping the products, the manufacturer confirmed the terms of the usance letter of credit 远期信用证 with their bank.

在发货之前，制造商与其银行确认了usance letter of credit 远期信用证的条款。

4.The bank issued a usance letter of credit 远期信用证 for 90 days, giving the seller time to produce the goods.

银行为卖方开具了一张有效期为90天的usance letter of credit 远期信用证，给予卖方生产货物的时间。

5.Using a usance letter of credit 远期信用证 can help manage cash flow by delaying payment until after the goods are received.

使用usance letter of credit 远期信用证可以通过推迟付款直到货物接收后，帮助管理现金流。

作文

In the realm of international trade, financial instruments play a crucial role in facilitating transactions between buyers and sellers across borders. One such instrument is the usance letter of credit, which serves as a vital tool for managing payment risks and ensuring that both parties fulfill their obligations. Understanding the concept of a usance letter of credit is essential for businesses engaged in global commerce, as it provides a framework for securing payments while also allowing for flexibility in terms of payment timing.A usance letter of credit is a type of documentary credit that allows the buyer to make payment at a specified future date, rather than immediately upon receipt of goods or documents. This arrangement is particularly beneficial for buyers who may need time to sell the imported goods before making payment. The term 'usance' refers to the period allowed for payment, which is agreed upon by both the buyer and the seller at the outset of the transaction.When a buyer applies for a usance letter of credit, the issuing bank evaluates the buyer's creditworthiness and issues the letter of credit in favor of the seller. This document guarantees that the seller will receive payment as long as they present the required shipping documents within the stipulated time frame. The seller, therefore, has the assurance that they will be compensated for their goods, while the buyer enjoys the advantage of deferred payment.The process begins when the buyer and seller negotiate the terms of the sale, including the payment terms that will govern their transaction. Once they agree on a usance letter of credit, the buyer approaches their bank to request its issuance. The bank then reviews the buyer's financial standing and decides whether to issue the letter of credit. If approved, the bank forwards the letter to the seller's bank, thus establishing a secure payment mechanism.One of the key benefits of using a usance letter of credit is that it helps mitigate the risks associated with international trade. For sellers, it reduces the risk of non-payment, as the bank acts as an intermediary that guarantees payment. For buyers, it offers the flexibility to manage cash flow effectively, as they can defer payment until the agreed-upon usance period expires.However, it is important to note that a usance letter of credit is not without its challenges. Sellers must ensure that they present the correct documentation to the bank within the specified timeframe; otherwise, they risk losing their right to payment. Additionally, buyers should be cautious about the terms they agree to, as longer usance periods may lead to higher financing costs or interest rates.In conclusion, the usance letter of credit is an indispensable financial tool in the world of international trade. It provides security for sellers while offering buyers the flexibility to manage their cash flow more effectively. By understanding the mechanics and implications of a usance letter of credit, businesses can navigate the complexities of cross-border transactions with greater confidence and success. As global trade continues to expand, the relevance of such financial instruments will only increase, making it imperative for companies to familiarize themselves with these concepts to thrive in the competitive marketplace.

在国际贸易领域，金融工具在促进跨境买卖交易中发挥着至关重要的作用。其中一种工具是远期信用证，它作为管理支付风险和确保双方履行义务的重要工具。理解远期信用证的概念对于参与全球商业的企业至关重要，因为它提供了一个确保支付的框架，同时在支付时机上也允许灵活性。远期信用证是一种允许买方在规定的未来日期付款的单据信用，而不是在收到货物或单据后立即付款。这种安排对于可能需要时间出售进口商品的买方尤其有利。术语“usance”指的是允许的付款期限，这是买卖双方在交易开始时达成一致的。当买方申请远期信用证时，发行银行会评估买方的信用状况，并以卖方的名义签发信用证。只要卖方在规定的时间内提交所需的运输单据，这份文件就保证卖方将收到付款。因此，卖方有保障能够获得其货物的补偿，而买方则享有延迟付款的优势。这一过程始于买卖双方协商销售条款，包括将支配其交易的付款条款。一旦他们就远期信用证达成一致，买方便向其银行申请信用证的签发。银行随后会审查买方的财务状况，并决定是否签发信用证。如果获批，银行将把信用证转发给卖方的银行，从而建立一个安全的支付机制。使用远期信用证的主要好处之一是，它有助于降低国际贸易相关的风险。对于卖方而言，它减少了未付款的风险，因为银行充当中介，保证付款。对于买方而言，它提供了有效管理现金流的灵活性，因为他们可以在约定的远期期限到期之前推迟付款。然而，值得注意的是，远期信用证并非没有挑战。卖方必须确保在规定的时间内向银行提交正确的文件；否则，他们将面临失去付款权利的风险。此外，买方应谨慎对待他们同意的条款，因为较长的远期期可能导致更高的融资成本或利率。总之，远期信用证是在国际贸易世界中不可或缺的金融工具。它为卖方提供安全保障，同时为买方提供更有效的现金流管理灵活性。通过理解远期信用证的机制和影响，企业可以更自信、更成功地应对跨境交易的复杂性。随着全球贸易的持续扩大，此类金融工具的相关性只会增加，因此企业必须熟悉这些概念，以便在竞争激烈的市场中蓬勃发展。