很多外貿業務員新手們對付款方式，D/P,D/A, 以及匯票的出票人，付款人的英文用語非常容易搞混，有的甚至搞錯。這是非常重要的。

請收藏這段短文，一旦你對這些用語不懂或者記錯時，打開看看。

The two principal methods of payment for exported goods are  by bill of Exchange and by letter of credit.  the bill of exchange is an order in writing requesting someone (the buyer) to pay a specified sum of moeny at a specified date.

出口貨物的兩種主要付款方式是通過匯票和信用證。 匯票是一份書面命令，要求某人（買方）在指定日期支付指定的款項。

if the bill must be paid immediately, it is known as a sight Bill. The drawer ( Exporter) draws up the bill of Exchange， naming the person who must pay the bill. 

如果匯票必須被立即付款，它被稱為視力即期匯票。 出票人（出口商）出具匯票，指定匯票的付款人。

This person (the buyer) is known as the drawee. The drawer (the exporter) then gives the Bill of Exchange to the bank, 

這個人（買方）被稱為付款人。 出票人（出口商）然后將匯票交給銀行。

When the bank presents the bill to the drawee (the Buyer) he must either  pay it immediately (if it is a Sight Bill) or accept if by writing " Accepted" on it. 

當銀行向付款人（買方）提示匯票時，他必須立即支付（如果是即期匯票），或者如果以書面形式在匯票上承諾“接受 “ 。

By accepting a bill,  a person agree to pay the bill at a specified date (usually in three months), 

通過承兌匯票，一個人同意在指定日期（通常在三個月內）支付匯票，

When the drawee pays or accepts the bill. the bank gives him the documents which allow him to collect the goods from the quay when they arrive.

當付款人支付或承兌匯票時。 銀行給他裝船文件，允許他在貨物到達時從碼頭提取貨物。

Receiving the documents when the Sight Bill is paid is called " Documets against Payment D/P" Receiving the documents when a bill is accepted is called "Documents against Acceptace D/A".

當即期匯票支付后收到運輸單據，這稱為“付款交單-D / P”。當承兌匯票后收到運輸單據稱為“承兌交單-D / A”。

The main document in exporting is the Bill of Lading,which is the title deed to the goods, The title deed is the document (deed) which proves ownership of the goods. 

出口的主要文件是提單，這是貨物的所有權契據，契據是證明貨物所有權的文件（契約）。

When a Bill of Exchange has been accepted by the drawee it becomes negotiable. This means that is can be transferred to another person, to pay a debt for example. 

當付款人已經承兌匯票時，它可以轉讓。 這意味著可以轉移給另一個人，例如支付債務。

On the other hand, if the exporter does not want to wait for payment of an accepted Bill of Exchange. he can discount (sell) it at a Discount House. Discounting Bills of Exchange is a way of lending and borrowing money. 

另一方面，如果出口商不想等待承兌匯票的支付。 他可以在貼現行貼現（賣出）。 貼現票據是一種貸款和借款的方式。

A Bill of Lading is also negotiable so goods can be sold by selling the Bill of Lading before the goods actually arrive in the importing country.

提單也可以議付，所以貨物可以在貨物實際到達進口國之前通過出售提單的方式出售

A letter of credit is a letter written by the buyer's bank to the exporter's bank authorizing payment of a specified sum of money to a specified person ( the exporter). 

信用證是買方銀行向出口商銀行寫的一封信，批準向指定人（出口商）支付指定的金額。

The importer has to apply to his bank to open a letter of credit. The exporter is paid when the presents the export documents to his bank.

進口商必須向其銀行申請開立信用證。 出口商在出口文件到他的銀行時支付。