在外贸业务中，由于国际环境和实际交易方式情况的改变，在选择付款方式的时候，除了一种结算方式，我们还可以选择多种结算方式结合的方法，以降低收汇风险或促成交易。今天，我们就来看看结算方式的组合都有哪些：
In foreign trade business, due to changes in the international environment and the actual transaction situation, when choosing terms of payment, in addition to settlement, we can also choose a multiple settlement to reduce the foreign exchange risk or to facilitate transactions. Today, let’s see some combinations of the settlement：
1.L/C+T/T
这是最常见的付款方式组合，常见于孟加拉客户。由于国家政策的规定，孟加拉客户必须是信用证+TT的付款方式，更有甚者就是T/T+信用证+T/T。撇开孟加拉国家政策不说，这种结算方式的结合形式常用于允许其交货数量有一定机动幅度的某些初级产品的交易。若装柜数量有变，也能灵活调整付款金额。但是，使用这种结合形式，双方必须首先确认清楚采用的是何种信用证和何种汇付方式以及按信用证支付金额的比例。
This is the most common form of payment combination, which is common in Bangladesh customers. Due to the provisions of the national policy, the customer must use L/C+T/T even T/T+ L/C+T/T. Putting aside the Bangladesh national policy, the combination of this settlement is often used to allow the transaction of certain primary products, which have a certain extent of mobility in amount. If the cargo amount changes, the amount of payment can be changed too. But when using such combination, both sides must first confirm the kind of L/C, remittance and the amount proportion of L/C that should be paid.
2.L/C+D/P
这种结合形式的具体做法通常是：信用证规定受益人(出口方)开立两张汇票，属于信用证项下的部分货款凭光票支付，而其余额则将货运单据附在托收的汇票项下，按即期或远期付款交单方式托收。这种付款方式，主要针对交易金额较大的，合同的执行时间跨度较大的交易。这是一种易于双方接受的付款方式。一方面对出口商来说，这是一种较为安全的收汇方式，而对进口商而言，可减少垫金，有利于企业内部资金周转流通。但信用证必须订明信用证的种类和支付金额以及托收方式的种类，也必须订明“在全部付清发票金额后方可交单”的条款。
The specific practices of this type usually are: L/C stipulates that the beneficiary (exporter) issues two drafts. Parts of payment for goods under this credit must be paid by clean bill and the balance will be collected in the way of D/P at sight or after sight, and the shipping documents attached in bill collection. For one thing, as to exporter, this collection is safer. For another, as to importer, it can reduce deposit which is conducive to turnover of capital in company. But L/C must specify the type of L / C, payment amount and the type of the collection, it also must specify the terms of “the full set of the shipping documents shall only be released after full payment of the invoice value”.
3.SBLC+L/C
备用信用证（SBLC)，又称担保信用证，是指不以清偿商品交易的价款为目的，而以贷款融资，或担保债务偿还为目的所开立的信用证。开证行保证在开证申请人未能履行其应履行的义务时，受益人只要凭备用信用证的规定向开证行开具汇票，并随附开证申请人未履行义务的声明或证明文件，即可得到开证行的偿付。
Standby letter of credit (SBLC), also known as the guarantee letter of credit, refers to the L/C that not with the intent to pay off the cost items of products transaction but to loan financing or guarantee debt repayment. The issuing bank guarantees that the beneficiary shall be paid by the issuing bank if issue a draft on the issuing bank according to SBLC and in a statement or certificate of the failure to perform the obligation when the applicant fails to perform its obligations under the standby letter of credit.
采用TT汇款，买方最为担心的是卖方是否能够按照合同的规定发运货物,如果卖方违约,买方将遭受钱货两空的损失。而卖方则担心货物发出后，买方能否付款。SBLC+LC 的结合则能很大程度上解决这两者的烦恼。
If use TT remittance, the buyer is most concerned about whether the seller is able to ship the goods in accordance with the contract. If the seller defaults, the buyer will suffer from the loss of products and money. And the seller is worried about if the buyer can pay after shipment. The combination of SBLC+LC can largely solve the problems of both.
4.SBLC+T/T
基于托收先发货,后收款的特点,卖方将承担买方不提货的风险,尤其是在承兑交单的情况下,卖方很容易遭受钱货两空的风险,一般的卖方都不会接受如此高风险的付款方式，但是，在买方处于决定地位的交易中，卖方若能提供优惠的付款方式，则能在很大程度上促成订单。而SBLC+T/T的结合，则是使卖方得到更多的收汇保障。
Based on the collection of delivery first, and then collecting payment, the seller will bear the risk of not taking delivery of goods, especially in the case of D/P. Generally, the seller will not accept the high-risk terms of payment. But, in the transaction of buyers enjoying a decision status, if the seller can provide a favorable way of payment, it can greatly facilitate the order. The combination of SBLC+T/T can bring more collection guarantee for the seller.
为适应多变的国际市场环境，国际付款方式也在不断更新。选取适合的付款方式，将有利于企业争取更多的合作机会。但前提是必须以收汇安全为基础。在选择付款方式前，必须做好准备工作，不要让一时的疏忽大意给出口带来损失。
In order to adapt to the changing environment of the international market, the international payment methods are constantly updated. Selecting the appropriate terms of payment, will be conducive to the business for more cooperation opportunities. But the premise is based on exchange security. Before choosing the payment terms, you must do all preparations well to avoid loss of exports due to negligence.
原创作品，欢迎转载，请标明出处：外贸连（微信号：LWG-8888)
