cif和fob的风险区别还是很大的，因此外贸企业对其在不同产品销售发盘函中的作用一定要正确理解，这样才能够让企业在商贸往来中获取更多利润，cif所代表的是COST,
INSURANCE AND FREIGH，fob表示的则是FREE ON BOARD,在发盘函中所具有的意义是完全不同的。
例如：
for example
Hello, dear Mr. Brown.
Now that you have accepted the price of the steel parts we sell, we hope to conclude the business as soon as possible. The 60 tons of steel parts you require can be shipped on time. If you have no objection, we will ship them at Dalian Port from October 20 to October 30.
In the course of this transaction, you are responsible for the transport risks and related costs of the products. The import license is handled by you on your own and the relevant customs formalities are completed on your own after approval. In the course of the transportation of the products, we are responsible for the delivery of the products to your chartered vessel for payment of the corresponding freight. Please be prompt. Notify us of the name of the vessel and the time of arrival, and we will deliver the goods at the first time. The risk and all related expenses will be borne by you after our steel fittings are loaded on board.
尊敬的布朗先生您好
贵方对于我方所销售的钢构配件价格既已认可，那么希望能够尽快达成交易，贵方所需求的60吨钢构配件，我方能够如期发货，如贵方没有任何异议，我方将于10月20日-10月30日于大连港发货。
在这一交易过程中，贵方须负责产品运输风险及相关费用，进口许可证由贵方自行办理，获得批准之后自行完成相关海关手续，产品运输过程中，我方负责将产品并送到贵方所租赁的船只上，由贵方支付相应运费，请贵方及时将船只名称以及到港时间通知我方，我方会在第一时间交付货物，我方钢构配件上船之后所会产生的风险以及相关一切费用由贵方承担。
在这篇发盘函中将fob相关术语的核心都已经进行了详细介绍，“n the course of this transaction, you are responsible for the transport risks and related costs of the products. The import license shall be handled by you on your own, and the relevant customs formalities shall be completed upon approval.”这些明确了相应手续办理和费用都由谁负责，而“Please inform us of the name of the vessel and the time of arrival in time. We will deliver the goods at the first time. The risk and all related expenses will be borne by you after our steel fittings are loaded on board.”则明确了在相关交易过程中的时间，接货方式等等，这些都是fob在交易中的核心。
Cif则不同。
例如：
for example
Hello, dear Mr. Brown.
Now that you have accepted the price of the steel parts we sell, we hope to conclude the business as soon as possible. The 60 tons of steel parts you require can be shipped on time. If you have no objection, we will ship them at Dalian Port from October 20 to October 30.
We will deliver the goods after you have paid the amount to our account. The delivery time is expected to be between Oct. 20 and Oct. 30. We hope you will receive the goods from us in time after the contract has been signed. The port of delivery is Dalian Port. The ship and the corresponding loading and unloading will be completed by you.
从其中可以看到，其在发盘函中的核心表述方式已经和上述案例有了完全不同的表现方式，这就是Cif，在其中所表达的核心意思是，我方会在贵方将款项打到我公司账户中之后发货，预计发货时间在10月20日至10月30日之间，希望贵方在完成合同签署之后，及时到我方接货，接货港口为大连港，船只以及相应装卸由贵方完成，请贵方及时到岗接货。
从“We hope that after the completion of the contract, you will receive the goods from us in time. The port of delivery will be Dalian Port. The ship and the corresponding loading and unloading will be completed by you. Please arrive on duty in time to receive the goods.”相关内容对比此后的cif我们可以发现，却别是很大的，“Please inform us of the name of the vessel and the time of arrival in time. We will deliver the goods at the first time. The risk and all related expenses will be borne by you after our steel fittings are loaded on board.”
可以发现，二者之前后者对于外贸销售企业而言所能够带来的利益更大，在这样的发盘函中卖方所面对的是象征性交货问题，因此在这样的交易过程之中销售产品的一方只需要关注到，按照此前在发盘函中所约定的发货地点供应产品就可以了，而购买方则需要在此前已经规定好的时间以及地点接货并将产品搬运到船只之中，并负责此后的相应运输工作，如果在任何环节中出现任何偏差，例如由于买方的拖延而导致货物在运输过程之中时间受到延迟，无论是产品在这一过程中出现任何问题都是由买方来负责的，因此在这一交易过程中任何一相关环节的成本费用追加支出都不会由销售方承担，因此在这样的交易过程中销售方更加保险，在这种交易模式之中销售方所需要关注的义务以交单为核心，唯一前提是买方已经提前完成付款，销售方保证产品在买方运输上船之前所具有的质量和此前双方确定的质量相同就不会有任何问题，如果销售方所销售的产品品质和此前所商定的品质有所出入，这种状态下买方可以根据合约对销售方提出赔偿要求。
