可以看到這樣一種狀況，當(dāng)下國內(nèi)外貿(mào)企業(yè)和國外的多數(shù)用戶業(yè)務(wù)往來時，都會首選信用證結(jié)匯，為何信用證結(jié)匯方式會成為當(dāng)下多數(shù)外貿(mào)企業(yè)的首選呢?

之所以多數(shù)企業(yè)會將這種結(jié)匯方式作為首選，是因?yàn)槠浔憬莶⑶以诎踩苑矫娓撸@種結(jié)匯方式是銀行在買賣雙方之間保證付款的憑證，在這種結(jié)算方式中，產(chǎn)品購入方企業(yè)會將申請書提交給銀行，銀行在收到這樣的申請之后，會為產(chǎn)品外貿(mào)銷售方企業(yè)開具保證付款的信用證，這一過程之中產(chǎn)品銷售方企業(yè)只要提交符合信用證要求的相應(yīng)單據(jù)，在這筆交易中銀行就會為產(chǎn)品外貿(mào)銷售企業(yè)支付款項(xiàng)。

例如：

Mr. John

previously mentioned in your reply that we would like to get a 10% discount on the purchase of these office products, and the Board of Directors of our company has agreed to your request after a decision has been made. The products you purchased this time include 1500 sets of Presidentundefineds desk and chair, 1300 sets of managerundefineds middle shift, 1450 sets of financial office, 160 sets of staffundefineds screen office, 340 sets of conference room and meeting room, and 250 sets of negotiation desk and chair in reception room. The front desk office chair 450 sets, the training room training table chair 670 sets, the office sofa series table and chair 470 sets, file cabinet 1750, the office cubicle wall glass partition 1750 sets. Earlier, in the exchange of letters, you mentioned that you would like to take the form of sea transportation during the course of transportation of this product, and the shipping charges are required to be borne by our company, as you have been given the most favorable discount in the sale of this product. Therefore, we hope that the related expenses will be borne by your company, and the insurance costs of our products will be borne by us. As our business has been busy in recent years, the related payment methods have been convenient route, we hope you can conclude this transaction by letter of credit.

約翰先生

此前在貴公司的回函中談到這批辦公產(chǎn)品購入希望獲得10%的優(yōu)惠，我公司董事會經(jīng)過決以后，已同意貴公司的這一要求。

貴公司本次購買的產(chǎn)品有總裁大班桌椅1500套，經(jīng)理中班桌椅1300套，財務(wù)辦公桌椅1450套，員工屏風(fēng)辦公桌椅160套，會議室會議桌椅340套，洽談接待室洽談桌椅250套，前臺辦公桌椅450套，培訓(xùn)室培訓(xùn)桌椅670套，辦公沙發(fā)系列桌椅470套，文件柜1750個，辦公室隔間墻玻璃隔斷1750套。

此前在信函往來中，貴公司提到在本次產(chǎn)品運(yùn)輸途中希望采用海運(yùn)形式，而海運(yùn)費(fèi)用要求我公司承擔(dān)，由于此次產(chǎn)品銷售中給貴公司打了最大優(yōu)惠折扣，所以在本次產(chǎn)品運(yùn)輸中相關(guān)費(fèi)用希望由貴公司自行承擔(dān)，在本次產(chǎn)品運(yùn)輸中我公司所銷售的產(chǎn)品保險費(fèi)用可由我方承擔(dān)。由于我公司近年來業(yè)務(wù)較為繁忙，因此相關(guān)付款方式一直走便捷化路線，希望貴公司通過信用證方式達(dá)成本次交易。

從如上案例中可以看到，該外貿(mào)企業(yè)還是比較含蓄的，而另外一些企業(yè)在外貿(mào)交往中則會明確注明使用信用證交易，例如：

Mr. Berg

and our company have reached a preliminary consensus on this product transaction. At present, the only controversial issue is the issue of payment methods. You hope to complete the transaction by means of letter and remittance. Our company has chosen the L / C settlement method in its recent transactions. This is the only settlement method used by our company in our business transactions at present. The products produced by our company have recently sold a lot of goods in the European and American markets. We hope you will reach an agreement with us as soon as possible and we will ship the goods before December 25 th.

伯格先生

對于這次產(chǎn)品交易，貴方公司和我方公司已初步達(dá)成共識，目前唯一具有爭議的是支付方式問題，貴方希望通過信匯方式完成交易，而我方公司在近期的交易中都選擇了信用證結(jié)算方式，這是目前我公司在業(yè)務(wù)往來中唯一使用的結(jié)算方式，本公司所生產(chǎn)的產(chǎn)品近期在歐美市場銷量龐大，希望貴公司盡早與我公司達(dá)成共識，我公司會在12月25日之前發(fā)貨。

從如上的這一信函中可以看到，該外貿(mào)公司是非常強(qiáng)硬的，告知對方公司，己方既不接受信匯也不接受電匯，交易完成方式只選擇信用證，如買方公司在本次交易中不選擇信用證，則不會和其公司達(dá)成業(yè)務(wù)往來關(guān)系。

從如上案例中可以看到，多數(shù)的外貿(mào)企業(yè)在和海外公司洽談時多以信用證為主，以增強(qiáng)自身在交易中的安全，但在措辭時卻各有不同，有些公司比較含蓄，而有些公司直截了當(dāng)，之所以會出現(xiàn)這樣的差異，是因?yàn)槭袌鼋灰滋攸c(diǎn)所決定的，在第一個案例之中必然是處于買方市場，而在第二個案例中必然是處于賣方市場，但不論是買方占據(jù)主導(dǎo)權(quán)，還是賣方占據(jù)主導(dǎo)權(quán)，外貿(mào)銷售方企業(yè)在產(chǎn)品交易中都應(yīng)該重點(diǎn)考慮到交易安全性問題，避免此后在交易中公司財產(chǎn)蒙受不必要損失，對于交易中的付款方式要慎之又慎，最近幾年新建外貿(mào)企業(yè)數(shù)量眾多，而在這其中交易被騙企業(yè)也不在少數(shù)，問題多出在付款方式上。