外贸企业在对外贸易往来过程中都会涉及结汇问题，什么是结汇、又有几种模式呢?结汇方式所说的是外贸企业销售方结清外汇的一种方式其主要有三个类别，分别是汇付，托收以及信用证，例如：
Before that,Mr. Zhang Yuquan
paid attention to the series of carving products of your companyundefineds booth at the fair. Our purchasing department, at the direction of the board of directors, ordered 150 pieces of bamboo sculptures, 150 pieces of bamboo sculptures, and 150 pieces of bamboo carving figures in your company. Bamboo carving, flowers and birds ornaments, 300 charcoal carvings, modern figures, 400 carbon carvings, 450 antique vases, 150 carbon carving pens, and 340 charcoal carving handicrafts flower baskets. Your reply gives us a 15% discount and undertakes that you will bear the cost of overland transportation and insurance for related products in this transaction. We have no further objection to this transaction, and in your letter you point out that it is settled by telegraphic transfer. We have applied to the local bank of Boston for approval. Method of wire transfer Entrust. The Fuzhou peopleundefineds Bank of China makes payment to your company. Earlier, we talked about the time of delivery. The initial intention was to deliver goods from 23 to 25 December. However, due to our backlog of products in the previous period, which has not yet been fully sold, the warehouse space is limited. Therefore, it is impossible to pull the products out of the foreign trade port for storage at the time previously stipulated, so we hope that your company will delay the delivery time in this transaction to about December 29 to January 5, after the sale of our stock products, We are sorry for the inconvenience caused to you by accepting your shipment.
张玉泉先生
此前在展销会上关注到贵公司展台的系列雕刻产品，我公司采购部门经董事会授意，在贵公司定制竹雕山水摆件150件，竹雕人物摆件150件，竹雕花鸟纹饰摆件300件，炭雕现代人物摆件400件，碳雕仿古花瓶450件，碳雕笔筒150件，炭雕工艺品花篮340件。贵公司回函中给予我方15%的优惠，并承诺本次产品交易中陆路运输费用及相关产品运输保险费用由贵方承担。
我公司对本次交易再无其他异议，贵方在信函中指出，通过电汇方式结算。我方已向波士顿本地银行提出申请，通过电汇方式委托中国福州人民银行向贵公司付款。
此前协商中谈及交货时间问题，初期意向为12月23日至25日发货，但由于我方前期积压产品到目前为止尚未完全销售，仓库空间有限，因此无法在此前所规定的时间将产品运出外贸港口入库，因此希望贵公司在本次交易中将发货时间延迟到12月29日至1月5日左右，在我方库存产品销售之后可接受贵方这批货物，为此给贵公司带来的不便，我方深感歉意。
从如上案例中可以看到，其所提到的汇付方式为电汇。这种汇付复方式和信汇以及票汇所具有的差别并不是很大。信汇方式主要是由产品购入方将货款提交给当地银行，之后由这家银行开具付款委托书，此后将这一函件邮寄给外贸销售方当地的银行，由该银行付款。票汇的方式主要是产品购入公司购买产品销售企业所在地银行汇票之后，由卖方指定的人使用该汇票向出口地银行收取款项。
除了上述所介绍的汇付方式之外，还包括托收以及信用证，在托收之中，又分为付款交单和承兑交单两个类别。信用证所表示的是银行在买卖双方之间对这项交易进行付款保证的一种凭证，在这一交易过程之中，买方会向银行递交申请，此后向卖方提供担保的一种凭证，也就是说只要外贸销售方企业提交符合信用证要求的单据，银行方就会保证支付此次交易中的款项。
例如
In your letter, Mr. John,
you express your interest in introducing the following kinds of works of art sold by our company. We are interested in introducing the detailed price here. The Chinese ink landscape paintings are 53 yuan and the Zhongtang banner 70 yuan one Chinese landscape fan for 30 years. One ritual, one piece of ware art, one piece of bronze statue of Buddha, 300 yuan of one piece, 350-1 piece of stone sculpture figure, 400 yuan of art, 140 yuan of folk painting art, 30 yuan of paper-cut art. Previously, in your letter, you hoped that in this product transaction, we would pay for shipping expenses and insurance charges, but because of the low profits of our sales products, we can only pay insurance charges for the buyers of the products during the course of sale. The cost of overland transportation and air transportation shall be borne by you. In this transaction, please complete the settlement by letter of credit, if there are any other objections, you can contact us.
约翰先生
贵公司在来函中表示对我公司所销售的如下几类艺术品有兴趣，在此对详细价格进行介绍，中国泼墨山水画53元1件，中堂条幅70元1件，中国山水扇面30元一件礼，器类艺术品150元1件，铜像佛像艺术品300元1件，石雕人物艺术品350元1件，根雕人物艺术品400元1件，民间绘画艺术品140元1件，剪纸类艺术品30元1件。
此前在信函里贵公司希望在本次产品交易中我方支付运输费用以及保险费用，不过由于我方销售产品利润低微，因此在销售过程之中仅可为产品购入方支付保险费用，陆路运输以及空运费用需贵公司自行承担。
本次交易中请贵方以信用证完成结算，如有其他异议，贵公司可回函联系。
在如上案例中可以看到该公司选择了信用证交易模式，实际上这种交易模式也是在当下外贸企业中最为常见的一种交易模式，信用证不仅简单操作方便，而且安全性也很高，因此受到了外贸企业关注，在当下无论是欧美国家还是日韩等亚洲国家，对外贸易往来中多会使用信用证。
