EN
In carrying out foreign trade payments, there are possibilities of using a wide range of instruments.. Every sinlge instrument has its own specificities that we will consider in the paper. By far the most commonly used instrument of international payment is a documentary letter of credit. In addition to letters of credit and “traditional” payment instruments - waiting and bills in foreign trade transactions there is a possibility of payment bank transfer, which is mainly used for advance payments (payments in advance, before receipt of the goods), which carries certain risks for the buyer. There is also the possibility of documentary collection - the so-called documentary collection. When any instrument is the reverse order of strokes of remittances advance. This carries the risk that the seller sends the goods in advance, and in particular sends the document to the collection, and it is charging when the buyer agrees. Payment instruments are the subject of this paper.
U izvršenju spoljnotrgovinskih plaćanja postoje mogućnosti upotrebe širokog spektra instrumenata. Svaki od njih ima svoje specifičnosti na koje ćemo ukazati. Ubjedljivo najviše korišćeni instrument međunarodnih plaćanja je dokumentarni akreditiv. Pored akreditiva i „tradicionalniih“ instrumenata plaćanja - čeka i mjenice, u spoljnotrgovinskom poslu postoji i mogućnost plaćanja bankarskim doznakama, što se uglavnom koristi za avansna plaćanja (plaćanja unaprijed, pre prijema robe), što nosi određene rizike za kupca. Postoji i mogućnosti dokumentarne naplate - tzv. dokumentarni inkaso. Kod tog instrumenta je obnut red poteza od doznačavanja sredstava unaprijed. To nosi rizik za prodavca koji šalje robu unaprijred, a posebno šalje dokumenta na naplatu, a ona se naplate kada se kupac saglasi. Instrumenti platnog prometa su predmet ovog rada.