《外贸商函》Project 8 Payment（1）-理论知识考点训练卷 2026版浙江省外贸类专业考纲百套卷 第18卷（原卷版+解析版）

编写说明：2026版浙江省《外贸类考纲百套卷》依据《浙江省高校招生职业技能考试大纲——外贸类理论知识》编写。本套试卷由80份试卷三个部分组成，第一部分是针对考纲的理论知识考点训练卷，共57份；第二部分是理论知识常考题训练卷，每个知识模块6-7份训练卷，两个模块共13份；第三部分是理论知识专业综合训练卷，参考历年来外贸类专业真题试卷和模拟试卷，编写的10份专业综合训练卷。 本试卷是《外贸类考纲百套卷》的第18卷，按知识模块1外贸商函——Project 8 Payment的范围要求编写。 其要求是： （1）了解外贸商务信函的结构、三种书写格式及基本撰写原则。 （2）理解与外贸交易磋商环节和合同签订相关的英语词汇、短语、套语和句型。 （3）能正确阅读、理解、并结合商务礼仪要求撰写外贸业务各环节的商务信函，能正确拟定进出口合同的主要条款。 2026版浙江省《外贸类考纲百套卷》第18卷 知识模块 1 外贸商函 Project 8 Payment（1） 理论知识考点训练卷 考试时间60分钟 满分100分 班级 姓名 学号 成绩 一、单项选择题(本大题共10小题，每小题2分，共20分) 在每小题列出的四个备选答案中，只有一个是符合题目要求的。错涂、多涂或未涂均无分。 1.Which of the following payment terms requires the buyer to pay before the goods are shipped? A. L/C (Letter of Credit) B. T/T in advance C. D/P (Documents against Payment) D. D/A (Documents against Acceptance) 2.In a Letter of Credit, the party who undertakes to pay the beneficiary is the ______. A. applicant (buyer) B. issuing bank C. advising bank D. negotiating bank 3.What does "D/P at sight" mean in international trade payment terms? A. The buyer pays when they accept the draft. B. The buyer pays immediately upon presentation of the documents. C. The seller ships the goods first and then gets paid. D. The payment is made in installments. 4.Which payment term is the most risky for the seller? A. T/T in advance B. L/C C. D/A D. Cash with Order (CWO) 5.When using T/T (Telegraphic Transfer) as the payment term, "T/T 30% in advance, 70% against B/L copy" means ______. A. The buyer pays 30% before shipment and 70% after receiving the original B/L. B. The buyer pays 30% after shipment and 70% before receiving the B/L copy. C. The buyer pays 30% before shipment and 70% upon receiving the B/L copy. D. The buyer pays all the money in advance. 6.A Letter of Credit is usually issued based on the ______ between the buyer and the seller. A. sales contract B. packing list C. invoice D. bill of lading 7.Which of the following is not a feature of a confirmed L/C? A. It provides double guarantee for the beneficiary. B. The confirming bank undertakes the same payment liability as the issuing bank. C. It is only issued by the advising bank. D. It is more secure for the seller compared to an unconfirmed L/C. 8.In D/A payment term, the buyer can get the documents by ______. A. paying immediately B. accepting the draft C. providing a letter of guarantee D. signing a contract 9.What is the main advantage of using L/C for the seller? A. It reduces the cost of transaction. B. It ensures that the seller will be paid as long as the documents comply with the L/C terms. C. It allows the seller to ship the goods first without worrying about payment. D. It is very simple to operate. 10.Which payment term is suitable when the buyer and the seller have a long - term and stable cooperative relationship? A. T/T in advance B. D/P C. Open Account (O/A) D. L/C 二、词语中译英(本大题共5小题，每小题3分，共15分) 请将下列外贸商函中常用的中文词语译成英文。 1.信用证 ________________________ 2.电汇 ________________________ 3.付款交单________________________ 4.承兑交单________________________ 5.提单 ________________________ 三、词语英译中(本大题共5小题，每小题3分，共15分) 请将下列外贸商函中常用的英文词语译成中文。 1.Payment Voucher​ ________________________ 2.Remitter​ ________________________ 3.Payee​ ________________________ 4.Negotiating Bank​ ________________________ 5.Confirming Bank ________________________ 四、句子中译英(本大题共3小题，每小题5分，共15分) 请将下列外贸商函中常用的中文句子译成英文。 1.我们建议采用 30% 预付款，70% 见提单副本付款的电汇付款方式。 _______________________________________________________________________________ 2.请贵方开立以我方为受益人的不可撤销即期信用证。 _______________________________________________________________________________ 3.关于此次交易的付款条款，我们希望能与贵方进一步协商。 _______________________________________________________________________________ 五、句子英译中(本大题共3小题，每小题5分，共15分) 请将下列外贸商备中常用的英文句子译成中文。 1.We agree to accept T/T payment, with 50% paid in advance and the remaining 50% paid within 30 days after the goods arrive at the destination port. _______________________________________________________________________________ 2.The Letter of Credit must be issued before the end of this month and remain valid for 15 days after the shipment date. _______________________________________________________________________________ 3.In case of any discrepancy between the documents and the L/C terms, the issuing bank has the right to refuse payment. _______________________________________________________________________________ 六、写作(本大题共1小题，20分) 假设你是中国 Stationery Export Co., Ltd. 的外贸专员，你公司与澳大利亚 Office Supplies Store 就 1000 箱笔记本（notebooks）的出口业务达成初步合作意向，现需向对方洽谈付款条款。请你写一封邮件，内容包括： 1.感谢对方对合作的认可，提及合作产品（1000 箱笔记本）； 2.提出我方建议的付款条款（预付 30% 作为定金，货物装船后凭提单副本支付剩余 70%）； 3.说明该条款的合理性（降低双方风险），并请求对方反馈意见，以便推进后续合作。 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $$ 编写说明：2026版浙江省《外贸类考纲百套卷》依据《浙江省高校招生职业技能考试大纲——外贸类理论知识》编写。本套试卷由80份试卷三个部分组成，第一部分是针对考纲的理论知识考点训练卷，共57份；第二部分是理论知识常考题训练卷，每个知识模块6-7份训练卷，两个模块共13份；第三部分是理论知识专业综合训练卷，参考历年来外贸类专业真题试卷和模拟试卷，编写的10份专业综合训练卷。 本试卷是《外贸类考纲百套卷》的第18卷，按知识模块1外贸商函——Project 8 Payment的范围要求编写。 其要求是： （1）了解外贸商务信函的结构、三种书写格式及基本撰写原则。 （2）理解与外贸交易磋商环节和合同签订相关的英语词汇、短语、套语和句型。 （3）能正确阅读、理解、并结合商务礼仪要求撰写外贸业务各环节的商务信函，能正确拟定进出口合同的主要条款。 2026版浙江省《外贸类考纲百套卷》第18卷 知识模块 1 外贸商函 Project 8 Payment（1） 理论知识考点训练卷 考试时间60分钟 满分100分 班级 姓名 学号 成绩 一、单项选择题(本大题共10小题，每小题2分，共20分) 在每小题列出的四个备选答案中，只有一个是符合题目要求的。错涂、多涂或未涂均无分。 1.Which of the following payment terms requires the buyer to pay before the goods are shipped? A. L/C (Letter of Credit) B. T/T in advance C. D/P (Documents against Payment) D. D/A (Documents against Acceptance) 【答案】B 【解析】T/T in advance（预支电汇）要求买方在货物装运前付款，A 选项信用证、C 选项付款交单、D 选项承兑交单均不要求买方在装运前全额付款，所以选 B。 2.In a Letter of Credit, the party who undertakes to pay the beneficiary is the ______. A. applicant (buyer) B. issuing bank C. advising bank D. negotiating bank 【答案】B 【解析】在信用证中，开证行（issuing bank）承诺向受益人付款，申请人（buyer）是请求开证的一方，通知行（advising bank）只是传递信用证，议付行（negotiating bank）是办理议付的银行，所以选 B。 3.What does "D/P at sight" mean in international trade payment terms? A. The buyer pays when they accept the draft. B. The buyer pays immediately upon presentation of the documents. C. The seller ships the goods first and then gets paid. D. The payment is made in installments. 【答案】B 【解析】D/P at sight（即期付款交单）指买方在见到单据时立即付款，A 是承兑交单的情况，C 表述不准确，D 是分期付款，所以选 B。 4.Which payment term is the most risky for the seller? A. T/T in advance B. L/C C. D/A D. Cash with Order (CWO) 【答案】C 【解析】D/A（承兑交单）下，买方承兑汇票后即可取得单据提货，卖方面临买方到期不付款的风险，风险最大；A 预支电汇、D 随订单付款对卖方最安全，B 信用证风险较低，所以选 C。 5.When using T/T (Telegraphic Transfer) as the payment term, "T/T 30% in advance, 70% against B/L copy" means ______. A. The buyer pays 30% before shipment and 70% after receiving the original B/L. B. The buyer pays 30% after shipment and 70% before receiving the B/L copy. C. The buyer pays 30% before shipment and 70% upon receiving the B/L copy. D. The buyer pays all the money in advance. 【答案】C 【解析】“T/T 30% in advance, 70% against B/L copy” 意思是买方 30% 预付款，70% 见提单副本付款，A 中 “original B/L” 错误，B 付款顺序错误，D “all the money in advance” 错误，所以选 C。 6.A Letter of Credit is usually issued based on the ______ between the buyer and the seller. A. sales contract B. packing list C. invoice D. bill of lading 【答案】A 【解析】信用证通常根据买卖双方之间的销售合同（sales contract）开立，B 装箱单、C 发票、D 提单是信用证下要求提交的单据，所以选 A。 7.Which of the following is not a feature of a confirmed L/C? A. It provides double guarantee for the beneficiary. B. The confirming bank undertakes the same payment liability as the issuing bank. C. It is only issued by the advising bank. D. It is more secure for the seller compared to an unconfirmed L/C. 【答案】C 【解析】保兑信用证（confirmed L/C）不是只能由通知行开立，其他银行也可作为保兑行，A、B、D 均是保兑信用证的特点，所以选 C。 8.In D/A payment term, the buyer can get the documents by ______. A. paying immediately B. accepting the draft C. providing a letter of guarantee D. signing a contract 【答案】B 【解析】在 D/A（承兑交单）中，买方通过承兑汇票（accepting the draft）获取单据，A 是即期付款交单的情况，C、D 不符合 D/A 的操作流程，所以选 B。 9.What is the main advantage of using L/C for the seller? A. It reduces the cost of transaction. B. It ensures that the seller will be paid as long as the documents comply with the L/C terms. C. It allows the seller to ship the goods first without worrying about payment. D. It is very simple to operate. 【答案】B 【解析】信用证对卖方的主要优势是只要单据符合信用证条款，卖方就能保证收到货款，A 信用证成本不低，C 卖方需提交符合要求的单据才能收款，并非完全不担心，D 信用证操作较复杂，所以选 B。 10.Which payment term is suitable when the buyer and the seller have a long - term and stable cooperative relationship? A. T/T in advance B. D/P C. Open Account (O/A) D. L/C 【答案】C 【解析】在买卖双方有长期稳定合作关系时，赊销（Open Account）是合适的付款方式，A 预支电汇、B 付款交单、D 信用证相对更谨慎，适用于合作初期或风险较高的情况，所以选 C。 二、词语中译英(本大题共5小题，每小题3分，共15分) 请将下列外贸商函中常用的中文词语译成英文。 1.信用证 ________________________ 【答案】Letter of Credit (L/C) 2.电汇 ________________________ 【答案】Telegraphic Transfer (T/T) 3.付款交单________________________ 【答案】Documents against Payment (D/P) 4.承兑交单________________________ 【答案】Documents against Acceptance (D/A) 5.提单 ________________________ 【答案】Bill of Lading (B/L) 三、词语英译中(本大题共5小题，每小题3分，共15分) 请将下列外贸商函中常用的英文词语译成中文。 1.Payment Voucher​ ________________________ 【答案】支付凭证 2.Remitter​ ________________________ 【答案】汇款人​ 3.Payee​ ________________________ 【答案】收款人​ 4.Negotiating Bank​ ________________________ 【答案】议付行​ 5.Confirming Bank ________________________ 【答案】保兑行 四、句子中译英(本大题共3小题，每小题5分，共15分) 请将下列外贸商函中常用的中文句子译成英文。 1.我们建议采用 30% 预付款，70% 见提单副本付款的电汇付款方式。 _______________________________________________________________________________ 【答案】We suggest adopting the T/T payment method, with 30% paid in advance and 70% paid against the copy of the Bill of Lading. 2.请贵方开立以我方为受益人的不可撤销即期信用证。 _______________________________________________________________________________ 【答案】Please open an irrevocable sight Letter of Credit in our favor. 3.关于此次交易的付款条款，我们希望能与贵方进一步协商。 _______________________________________________________________________________ 【答案】Regarding the payment terms for this transaction, we hope to further negotiate with you. 五、句子英译中(本大题共3小题，每小题5分，共15分) 请将下列外贸商备中常用的英文句子译成中文。 1.We agree to accept T/T payment, with 50% paid in advance and the remaining 50% paid within 30 days after the goods arrive at the destination port. _______________________________________________________________________________ 【答案】我们同意接受电汇付款，50% 预付款，剩余 50% 在货物到达目的港后 30 天内支付。 2.The Letter of Credit must be issued before the end of this month and remain valid for 15 days after the shipment date. _______________________________________________________________________________ 【答案】信用证必须在本月底前开立，并在装运日期后 15 天内保持有效。 3.In case of any discrepancy between the documents and the L/C terms, the issuing bank has the right to refuse payment. _______________________________________________________________________________ 【答案】如单据与信用证条款存在任何不符点，开证行有权拒付。 六、写作(本大题共1小题，20分) 假设你是中国 Stationery Export Co., Ltd. 的外贸专员，你公司与澳大利亚 Office Supplies Store 就 1000 箱笔记本（notebooks）的出口业务达成初步合作意向，现需向对方洽谈付款条款。请你写一封邮件，内容包括： 1.感谢对方对合作的认可，提及合作产品（1000 箱笔记本）； 2.提出我方建议的付款条款（预付 30% 作为定金，货物装船后凭提单副本支付剩余 70%）； 3.说明该条款的合理性（降低双方风险），并请求对方反馈意见，以便推进后续合作。 【答案仅供参考】 Dear Sir/Madam, Thank you for your recognition of our cooperation on the 1000 cartons of notebooks. We are glad to move forward with this business and would like to discuss the payment terms with you. Our suggested payment terms are as follows: pay 30% in advance as a deposit, and pay the remaining 70% after the goods are shipped, upon receipt of the bill of lading copy. This plan can reduce risks for both sides— the advance payment ensures our production, while the remaining payment protects your interests until you confirm the shipment. We hope you can share your opinions on these terms. Once we reach an agreement, we can start preparing the goods and related documents. Please feel free to contact us if you have any questions. Sincerely yours, Li Na 学科网（北京）股份有限公司 学科网（北京）股份有限公司 $$