事先商定的条件在当地市场上代为销售，待货物售出以后，国外商人将扣除佣金和有关费用的货款再汇给出口商的结算方法。
7.2 工作项目
技能目标
? 能制作不同汇款方式下的汇款申请书； ? 理解并制作电汇报文； ? 能制作业务背景下信汇委托书； ? 能制作票汇业务背景下汇票。
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7.2.1 项目一 制作信用证项下汇票
一、操作指导
（一）汇款业务程序介绍
以中国银行的规定为例，客户办理汇出汇款的步骤为：
1.汇出汇款申请人必须是外汇管理局规定的对外付汇进口单位名录之内的企业。 2.人民币支票（用于购买外汇或交付手续费）。 3.有关批汇文件。
4.凭证或现汇账户的支取凭条。
5.填写业务申请书（有一联是汇款回单）。 6.提供国际收支申报表。 7.填写贸易进口付汇核销单。
货到付款方式下需提交进口合同、发票、尽快货物报关单、电子口岸卡、海运提单；预付方式下，还需提供进口合同、发票等证件。 （二）汇款申请书介绍
在汇款业务中，进口商填写银行提供的格式化申请书（“汇出汇款申请书”），该申请书是汇款人与汇出行之间的合同。“汇出汇款申请书”一式两联，其中一联为申请书，另一联为汇款回执。各个银行汇款申请书形式差异，包括的内容基本一致。申请书的内容一般包括：收款人名称、地址、国别；开户银行名称、帐号、汇款货币、金额；使用的汇款方式（电汇、信汇或票汇）；汇款用途；汇款人的名称、地址等信息。汇款人必须如实填写上述内容，若因申请书内容填写错误导致的延误或差错等，则由汇款人承担其后果。若因货币不同而需套汇的，如汇出款是英镑，而汇款人要求在其美元存款中支取美元后套成英镑汇出，若其套汇有损失，则由汇款人承担。
（三）汇款申请书审核
审核汇款申请时，汇出行应审核的事项包括：
1．申请汇出国外汇款。汇出汇款必须符合国家外汇管理的规定。
2．审核资金来源。使用现汇存款账户办理汇出汇款时，汇款人填制支取凭条，先到原币存款部门核对余额和印鉴后，连同汇款申请书一并提交。如果汇款人的现汇存款账户与汇出款项币种不同时，通过外汇交易部办理兑换；若无此机构，通过人民币汇价套算。
3．审核申请书。汇款申请书常易出现的错误有：（1）收款人名称拼写错误、无账号或
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地址不详；（2）收款人户名与账号不符；（3） 汇入行城市名称遗漏或错误。
二、业务背景
2009年3月27日，温州环球贸易有限公司进口部业务员陈艾与美国的DAYCO公司签
订了一份价值9万美元的合同。与陈艾洽谈合同的是DAYCO公司业务员Jim White，他们已有多年贸易往来，对对方公司的信用状况都十分了解，这笔业务他们也和前几次一样采用汇款方式结算。下面是双方达成的合同正本。
SALES CONTRACT
THE SELLERS:.DAYCO PRODUCTS, INC. S/C NO.GW2009X01 ADDRESS: MARK IV AUTOMOTIVE 3775 EAST OUTER DRIVE MIAMI FL,USA THE BUYERS: UNIVERSAL TRADING CO., LTD ADDRESS: RM 1201-1216 GAOLIAN BUILDING
CHEZHAN ROAD,WENZHOU,P.R.CHINA
TEL:86-577-86739000 FAX:86-577-86739001 E-MALL: chenai@www.universal.com.cn
DATE: MARCH 27 2009 WENZHOU CHINA.
THE SELLERS AGREE TO SELL AND THE BUYERS AGREE TO BUY THE UNDERMANTIONED GOODS ACCORDING TO THE TERMS AND CONDITIONS AS STIPULATED BELOW: 1．COMMODITY Item No. Q-Rite 111 Q-Rite 134 Q-Rite 353 Q-Rite 108 Commodity Specification spectrophotometer spectrophotometer spectrophotometer spectrophotometer Unit set set set set Total Price SAY TOTAL CIF NINGBO IN NINETY THOUSAND USD ONLY 2．COUNTRY OF ORIGIN: U.S.A. 3．PACKING:
packed in strong wooden case(s) or in carton(s), suitable for long distance parcel post/air freight transportation and change of climate, well protected against moisture, rust rough handing and shocks. The Seller shall be liable for any damage of the commodity and expenses incurred on account of improper packing and for any rust attributable to inadequate or improper protective measures taken by the Seller in regard to the packing.
One full set of service and operation manuals concerned shall be enclosed in the case(s). 4．SHIPPING MARKS:
The Seller shall mark on each package with fadeless paint the packing number, gross weight, net weight, measurement and the wordings: “KEEP AWAY FROM SOISTURE”, “HANDLE WITH CARE”, “THIS SIDE UP”, etc, and the shipping mark.
Quantity 10 10 10 30 Unit price 1 200.00 1 800.00 3 000.00 1 000.00 Total Amount 12 000.00 18 000.00 30 000.00 30 000.00 USD 90 000.00 13
5．PORT OF SHIPMENT: MIAMI
6．PORT OF DESTIMATION: NINGBO, CHINA
7．TIME OF SHIPMENT: NOT LATER THAN June 30th, 2009. 8．TERMS OF PAYMENT:
Telegraphic Transfer: The Buyer shall send 30% of the contract value to the seller within 7days after the receipt of copies of shipping documents. The balance of 70% must be sent to the Seller within 10 days after the goods arrives at the warehouse. 9．DOCUMENTS:
(1) Air way bill in 3 originals and 3 copies marked “Freight Prepaid” Contract number and shipping marks.
(2) Manually signed invoice in 3originals and 3 copies indicating Contract number and shipping marks made out in details as per the relative Contract.
(3) One original and two copies of Insurance for 110% of the invoice value. (4) Packing list in 3 copies.
(5) Non-wooden packing certification. (6) Certification of origin in 1 original. 10．INSURANCE:
To be covered by the Buyers/Sellers for the full invoice valve plus 10% against all risks and war risks. If the Buyers desire to cover for any other extra risks besides aforementioned of amount exceeding the aforementioned limited, the Sellers' approval must be obtained beforehand and all the additional premiums thus incurred shall be for the Buyers' account. 11．SHIPPING ADVICE:
The Seller shall within 24 hours upon the completion of the loading of the goods , advise the Buyer by fax of the Contract number, commodities, quantity, invoice value, gross weight, number of flight and date of sailing etc.
12．GUARANTEE OF QUALITY AND STANDARD FOR START-UP AND RECEIPT: The Seller guarantee that the commodity hereof is made of the best materials with first class workmanship, brand new and unused, and complies in all respects with the quality and specification stipulated in this contract and conforms to the data sheets of technical manuals of the commodities contracted.
The guarantee period shall be 12 months counting from the date on which the commodity arrives at the port of destination, and counting from the date on which the acceptance certificate has been signed by the contracted are required. Acceptance process shall be done in a procedure step by step in accordance with the technical manuals of the commodities contracted. 13．FORCEE MAJEURE:
The Sellers shall not be held responsible for delay in shipment of non-delivery of the goods owing to Force Majeure causes, such as war, fire, flood, typhoon and earthquake, or other events agreed upon between both parties, which might occur during the process of manufacturing or in the course of loading or transit. However, in such a case the seller shall inform the Buyers immediately by cable within 14 days and shall send to the Buyers by registered letter at the quest of the Buyers a certificate attesting the existence of such a cause or causes issued by China Council for the Promotion of International Trade or by a competent Authority.
Under such circumstances the Seller, however, is still under the obligation to take all necessary measures to hasten the delivery of the goods. In case the accident lasts for more than 10 weeks, the
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Buyer at its option may delete the undelivered goods from its purchase order or appropriately extend the time of delivery. The Buyer shall not be held responsible for failure or delay to perform all or any part of this contract due to force majeure. 14．DISCREPANCY AND CLAIM:
In case discrepancy on quality of the goods is found by the Buyers after arrival of the goods at port of destination, claim may be lodged within 90 days after arrival of the goods at port of destination, while for quantity discrepancy, claim may be lodged within 30 days after arrival of the goods at port of destination, being supported by Inspection Certificate issued by a reputable public surveyor agreed upon by both party. The Seller shall, then consider the claim in the light of actual circumstance. For the losses due to natural cause or causes falling within the responsibilities of the Ship-owners or the Underwriters, the Sellers shall not consider any claim for compensation. In case the Letter of Credit not reach the Sellers within the time stipulated in the Contract, or under FOB price terms Buyers do not send vessel to appointed ports or the Letter of Credit opened by the Buyers does not correspond to the Contract terms and the Buyers fail to amend therefore its terms by telegraph within the time limit after receipt of notification by the Sellers, the Sellers shall have right to cancel the contract or to delay the delivery of the goods and shall have also the right to lodge claims for compensation of losses. 15．ARBITRATION:
All disputes in connection with the contract or the execution thereof, shall be settled amicable by negotiation. In case no settlement can be reached, the case under dispute may then be submitted to the “China International Economic and Trade Arbitration Commission” for arbitration. The arbitration shall take place in China and shall be executed in accordance with the provisional rules of Procedure of the said Commission and the decision made by the Commission shall be accepted as final binding upon both parties for setting the dispute. The fees, for arbitration shall be borne by the losing party unless otherwise awarded.
THE SELLERS: THE BUYERS: DAYCO PRODUCTS,INC.
Jim White UNIVERSAL TRADING CO., LTD WENZHOU,P.R. CHINA 陈艾
按照合同约定，陈艾要先到银行汇款。 Jim告诉陈艾他们公司的开户行是HSBC, MIAMI ,
182 Canal St ., MIAMI （A/C No. 376543892541）。
2009年6月25日，出口商发货并取得海运提单，Jim 把副本传真给了陈艾。陈艾在收到副本后7天内，于6月28日准备付款。去之前，她准备好了报关单（编号：60813576）、商业发票（编号：654321 ) ，了解到公司的报关经营单位代码是 3301187654 ，组织机构代码是7484942—8。她选择去的账户行—中国银行温州分行汇款，该行与HSBC, MIAMI 有账户往来。款项从温州环球贸易有限公司的现汇账户（A /C.NO. 78954321 ）支出。她在该行取了一份汇款申请书，准备填写。
陈艾的工作任务有：
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