3.8.7 银行汇票和客户支票 Bank drafts and customer cheques
~银行汇票~
付款也可以使用银行汇票进行，银行汇票是买方银行开具的一种支票形式，支付给卖方，由买方银行在卖方所在国的代理行支付。如果汇票以卖方自己的货币计算，则资金可以直接记入卖方的账户。如果汇票不是卖方的货币，其银行可以协商汇票，并按现行汇率贷记当地等值货币，但须收取一些费用。其他，银行可将汇票寄给付款银行支取金额。银行之间的结算将通过nostro和vostro账户进行。
Payments can also be made with bank drafts, a form of cheque drawn by a buyer’s bank, payable to the seller and drawn on the buyer’s bank’s correspondent in the seller’s country. If the draft is in the seller’s own currency, the funds can be credited directly to the seller’s account. If the draft is not in the seller’s currency, its bank may negotiate the draft and credit the local currency equivalent at the prevailing exchange rate, subject to any charges. Otherwise, the bank will send the draft to the drawee bank for collection of the proceeds. Settlement between the banks will be via the nostro and vostro accounts.
~支票~
买方可以通过签发自己的支票付款，但须遵守当地的外汇管制条例。卖方的银行可以同意议付支票 – 即贷记卖方的账户 – 或将支票发送给其代理以获得付款，即通过跟单清收。
A buyer can pay by issuing its own cheque, subject to local exchange control regulations. The seller’s bank may either agree to negotiate the cheque – credit the seller’s account immediately – or send the cheque to its correspondent to obtain payment, ie via a documentary collection (see Topic 8).
议付将涉及向卖方收取费用，以支付付款和收款之间向银行支付的利息和手续费。如果支票是外币，则此费用可以计入汇率。议付将是“有追索权”的，即如果支票未支付，银行将从卖方的账户中扣除以收回最初议付的金额。因此，议付措施由银行自行决定。
Negotiation will involve a charge to the seller to cover the interest and handling cost to the bank for the period between making and receiving payment. This charge can be built into the exchange rate if the cheque is in a foreign currency. Negotiation will be ‘with recourse’, ie if the cheque is unpaid, the bank will debit the seller’s account to recover the amount originally negotiated. Negotiation facilities are therefore at the bank’s discretion.
清收：卖方收款的前提是其银行收到来自买方银行的付款。
A collection means that the seller will only get funds when its bank receives payment from the buyer’s bank.