Difference between bill discounting and bill negotiation

 

Difference between bill discounting and bill negotiation.

 

Export Bill Discounting and Export Bill Negotiation

 

How to distinguish export bill discounting and export bill negotiation. Are export bill negotiation and export bill discounting same? If not, what is the difference between Export Bill Negotiation and Export Bill Discounting?


In simple terms, export bill discounting with banks takes place under the shipments where in no Letter of credit is involved. The term export bill negotiation arises when the shipments under Letter of credit basis.

Difference between bill discounting and bill negotiation

Once after completion of necessary export procedures and formalities the exporter prepares necessary documents to send to his overseas buyer to take delivery of cargo. This documents includes Commercial invoice, Packing list, certificate of origin, Bill of lading or Airway bill, bill of exchange, quality certificate, and other documents specifically mentioned by the buyer at the time of placing purchase order. If the shipment is under LC terms, exporter has to pay top most attention while preparing documents in order to meet all necessary requirements under the terms of Letter of credit.

After preparing such shipping documents, exporter submits all documents with his authorized dealer bank.

If shipment is under LC terms, the bank verifies and satisfies all necessary terms and conditions under letter of credit and ‘negotiate’ the export bills. The invoice amount under the said shipment is credited to exporter’s account once after negotiation of bills after deducting necessary nominal bank charges. Once after realizing amount from overseas buyer, the bank takes back the discounted amount after debiting necessary bank interest to exporter.

 

If the shipment is under DA or DAP (DP) terms, the bank discounts the bill and credits amount to exporter’s account. Once after realizing amount from overseas buyer, the bank takes back the discounted amount after debiting necessary bank interest to exporter.  Also read - Difference between export bill collection and export bill discounting

Negotiation procedures and formalities of export bills.

 

In this article I have explained about the difference between Export Bill discounting and Export bill negotiation.  Have you satisfied with this article about Export bill negotiation and discounting?  Would you like to add more information about export bill negotiation and export bill discounting? Share below your experience about export bill discounting Vs. Export Bill negotiation.

 

Comment below and discuss about this article - Difference between Export Bill discounting and Export bill negotiation.

 

The above information is a part of Online Export Import course 


Export bills discounting formalities.

What happens, if Bank not received money from buyer after discounting of export bills?

Difference between bill discounting and bill negotiation

Difference between export bill collection and export bill discounting

 

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Comments


v.sathiya narayanan.: what is the procedures to be adopted once the consignee fails to clear the cargo.meanwhile a l/c against this cargo was taken by second consignee. with regards v.sathiya

admin: Hi V.Sathiya Narayanan, Please read other related articles in the same web blog.

Shivanand Jha: DearSir Very thanks to giving very valuable information regarding LC.We want to know about what documents should necessary for import and mentiond in LC. Regards shivanand jha

Sajjad Hayder : Dear Sir , FAFB can be only agsinst those bills which is not under letter of credit, or we can also FAFB (Finance against Foreign Bills) against LC. Kinly explain.......

kiran Rochlaney: can banks discount the bill if docs have been couriered to buyers directly by the exporter

Jafar Shaikh: Wonderful Blog. I would say that you need to explain stuffs with Example for clear picture.

Baljeet Kaur: Please confirm, can we send export documents for negotiation to any bank

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