documentary credit

简明释义

货物押汇信用证

英英释义

例句

1.In case of a dispute, a documentary credit serves as a legal document for resolving issues between parties.

在发生争议时，信用证作为法律文件，有助于解决各方之间的问题。

2.To mitigate risks, many companies prefer using a documentary credit instead of open account terms.

为了降低风险，许多公司更喜欢使用信用证而不是开放账户条款。

3.The bank issued a documentary credit after verifying the buyer's creditworthiness.

银行在核实买方的信用状况后，开立了信用证。

4.A documentary credit can provide assurance to both the buyer and seller in international trade transactions.

在国际贸易交易中，信用证可以为买卖双方提供保障。

5.The exporter received payment through a documentary credit, ensuring that the shipment was secured 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的安全。

作文

In the world of international trade, ensuring that transactions are secure and reliable is crucial for businesses. One of the most effective financial instruments used to facilitate this security is known as documentary credit. A documentary credit is a written commitment by a bank on behalf of a buyer, which guarantees payment to a seller once specific conditions are met. This arrangement is particularly beneficial in cross-border transactions where trust between parties can be limited due to distance and differing legal systems. The process begins when a buyer and seller agree on the terms of a sale, including the price, delivery schedule, and payment method. The buyer then applies for a documentary credit from their bank, known as the issuing bank. This bank assesses the buyer's creditworthiness and issues the documentary credit, which outlines the terms under which the payment will be made. Once the documentary credit is issued, it is sent to the seller’s bank, known as the advising bank. The advising bank informs the seller that a documentary credit has been established in their favor. The seller can then ship the goods and prepare the necessary documents, such as invoices, shipping receipts, and insurance certificates, as stipulated in the documentary credit. Upon shipment of the goods, the seller presents the required documents to the advising bank. The advising bank checks these documents against the terms of the documentary credit and forwards them to the issuing bank for further verification. If everything is in order, the issuing bank releases the payment to the seller, completing the transaction. This process offers a level of security for both parties: the seller is assured of payment as long as they comply with the terms, while the buyer can ensure that payment is only made once the goods are shipped and the correct documentation is provided. However, it is important to note that a documentary credit is not without its challenges. For instance, any discrepancies in the documents can lead to delays or even the refusal of payment. Therefore, both buyers and sellers must pay close attention to detail when preparing documentation. Additionally, there are various types of documentary credits, such as irrevocable and revocable credits, each with its own implications for the parties involved. In conclusion, the use of documentary credit in international trade serves as a vital tool for mitigating risks associated with cross-border transactions. By providing a structured mechanism for payment, it helps build trust between buyers and sellers, enabling smoother trade operations. Understanding the intricacies of documentary credit can empower businesses to navigate the complexities of global commerce effectively and securely. Overall, the importance of documentary credit cannot be overstated in today's interconnected economy, where businesses are increasingly engaging in international trade. It not only facilitates transactions but also enhances the overall confidence in the trading process, ultimately contributing to the growth of global commerce.

在国际贸易的世界中，确保交易的安全性和可靠性对企业至关重要。用于促进这种安全性的一种最有效的金融工具被称为信用证。信用证是买方通过银行发出的书面承诺，保证在满足特定条件后向卖方付款。这种安排在跨境交易中特别有利，因为由于距离和不同的法律体系，交易双方之间的信任可能有限。这个过程开始于买方和卖方就销售条款达成协议，包括价格、交货时间表和付款方式。然后，买方向其银行申请信用证，该银行称为开证行。此银行评估买方的信用状况，并发行信用证，其中概述了付款将进行的条件。一旦信用证被发行，它会被发送到卖方的银行，即通知行。通知行告知卖方，已为其开立了信用证。卖方可以随后发货并准备所需的文件，例如发票、运输收据和保险单，这些文件根据信用证的规定进行准备。在货物发运后，卖方向通知行提交所需的文件。通知行检查这些文件是否符合信用证的条款，并将其转发给开证行进行进一步核实。如果一切正常，开证行就会向卖方支付款项，完成交易。这个过程为双方提供了一定程度的安全性：只要卖方遵守条款，就能确保收到付款，而买方则可以确保只有在货物发运并提供正确文件后才会付款。然而，需要注意的是，信用证并非没有挑战。例如，文件中的任何差异都可能导致延误或甚至拒绝付款。因此，买卖双方在准备文件时必须非常注重细节。此外，信用证有多种类型，如不可撤销信用证和可撤销信用证，每种类型对相关方都有不同的影响。总之，在国际贸易中使用信用证作为减轻跨境交易相关风险的重要工具。通过提供一个结构化的付款机制，它帮助建立买卖双方之间的信任，从而实现更顺畅的贸易操作。理解信用证的复杂性可以使企业有效且安全地应对全球商业的复杂性。总的来说，在当今互联经济中，信用证的重要性不容忽视，企业越来越多地参与国际贸易。它不仅促进交易，还增强了交易过程的整体信心，最终有助于全球商业的增长。