D/P 及 CAD 付款方法分別
我想請問D/P (Document Against Payment) 及 CAD (Cash Against Document) 有咩唔同﹖邊樣收錢方法較安全﹖
- KLv 71 decade agoFavorite Answer
Documents against Payments (D／P) 是付款交單
(1)即期付款交單(Documents against Payment at sight，簡稱D／P at sight) 即期付款交單是指出口人發貨後開具即期匯票連同商業單據，通過銀行向進口人提示，進口人見票後立即付款，在付清貸款後向銀行領取商業單據。
(2)遠期付款交單(Documents against Payment after sight，簡稱D／P after sight) 遠期付款交單是指出口人發貨後開具遠期匯票連同商業單據，通過銀行向進口人提示，進口人審核無誤後即在匯票上進行承兌，於匯票到期日付清貨款後再領取商業單據。
The exporter makes shipment and sends the shipping documents to the exporter's bank for collection. The exporter's bank then sends the shipping documents along with a collection letter to the importer's bank, who then sends a collection notice to the importer. The importer makes payment upon receiving the notice, and only after payment does the importer receive the original shipping documents with which you take the physical possession of the goods.
The major advantage of the use of a cash against documents payment is the low cost, versus using a letter of credit. But, this is offset by the risk that the importer will for some reason reject the documents (or they will not be in order). Since the cargo would already be loaded (to generate the documents), we have little recourse against the importer in cases of non-payment. So, a payment against documents arrangement involves a high level of trust between the exporter and the importer.
Cash Against Documents (CAD) 是付現交單
屬交貨時付款之銷售條件，此種付款方式為賣方買賣契約之約定，在出口地完成出口裝運後，備妥後運單據（Shipping Documents）在出口地、進口地或第三國向買方指定之銀行或代理人提示單據並收取貨款，想了解其作業流程及風險詳情, 請參考:
2009-03-30 17:42:52 補充：
2009-03-30 19:48:36 補充：
另有朋友告訴我, 兩者是一樣的. 感謝她提出 ^_^
- BaggioLv 71 decade ago
There is a difference between CAD and D/P:
For CAD, if all the documents are correct at time of presentation, the buyer has obligation to pay in cash (by cheque or direct transfer to bank account). This usually calls for an simultaneous action on both ends.
2009-04-04 15:37:30 補充：
For CAD, there is no delayed payment terms since it calls for cash payment.
For D/P, it actually calls for telex transfer. That is, when the shipper presents the documents to the buyer's bank, and if all documents are confirmed ok, the bank will advise the buyer to approve the payment.
2009-04-04 15:44:06 補充：
However, for D/P, even if all documents have no problem, the shipper can still choose not to pay. Their bank has no obligation to chase for payment. Their role will be more like an agent.
2009-04-04 15:45:39 補充：
If the buyer choose not to approve the payment, the seller will never get the payment unless they put the case for jurisdiction.
2009-04-04 15:46:30 補充：
In conclusion, for a CAD term the buyer's bank must have some form of mortgage or deposit from the seller so that the bank can process payment at time of documents presentation.
In this kind of deal the buyer cannot stop the payment process if all documents are correct.
2009-04-04 15:57:48 補充：
As for D/P, tough it is processed through banks, the buyer can just ignore their bank's request on payment. All they do is just not to approve the payment.
Though it will leave a bad record in their bank, it is not fatal for their creditability.
- DORISLv 71 decade ago
COMM ON IC
RETIRE BY TR LOAN
COMM ON LC
唔會有個RERTIRE BU TR LOAN
2009-03-30 12:34:43 補充：
COMM ON IC 係HKD350
2009-03-30 12:44:01 補充：
BILL OF LADING
CERT. OF ORIGIN
2009-03-31 09:43:37 補充：
咁佢話冇，你唔信去查invoice 、d/p 文件。
USANCE : AT SIGHT
DOC AGAINST SIGHT PAYMENT
CASH AGAINST DOCUMENT