付款交单凭信托收据借贷和承兑交单的区别

2025-03-14 11:40:55
推荐回答(2个)
回答1:

承兑交单(documents against acceptance,简称D/A)是指代收行在付款人承兑远期汇票后,即把货运单据交给付款人;汇票到期时,由付款人付清款项。承兑交单与付款交单的区别在于:进口商承兑汇票后就可以得到单据提货,而无须等到汇票到期日。远期汇票的期限一般都按出口商给予进口商的期限办理,通常为见票后若干天等。在托收结算业务中,银行对进、出口商可以采取以下方式进行资金融通。  (1)银行对出口商的资金融通,可以采取托收出口押汇方式(loan secured by documentary bill)。  出口商办理跟单托收,以汇票和货运单据作为质押品,向银行申请贷款。托收行根据出口商的资信及经营作风,酌情贷给一定比重的票款;扣去利息将净款付给出口商,然后把跟单汇票寄给进口地的代收行,委托其代收票款,待收妥票款后归还贷款。  托收行贷款后,成为出口商的债权人,取得托收项下跟单汇票的质权;如果托收遭进口商拒付,可以向出口商索回贷款;如果索不回贷款,银行有权处理出口货物。  (2)银行对进口商的资金融通,是允许进口商在付款前开立信托收据(trust receipt,简称T/R)交给代收行,凭以借出货运单据先行提货以便出售;待售得货款后偿还代收行,换回信托收据。凭信托收据提取的货物的产权仍属于银行;进口商处于代为保管货物的地位。  如果出口商主动提出“凭信托收据借贷”并在托收委托书上写明“付款交单”、“凭信托收据借单”(D/P,T/R)字样,代收行可以按照托收委托书的指示办理,但是一切后果应由出口商负责。如果出口商未曾主动提出,而是代收行同意进口商的要求“凭信托收据借贷”,那么一切后果应由代收行负责。

回答2:

应该是D/P.T/R和D/A的区别。

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