1. Different payment banks use different interest rates for overseas payment and import bills; Overseas agent payment is paid by overseas banks, and the transaction settled in US dollars has low financing interest rate. Overseas agency payment can be used in letters of credit, collection and telegraphic transfer transactions, and import bills are usually used under letters of credit. 3. Overseas agency payment should be included in the short-term foreign debt balance index of designated foreign exchange banks (the short-term foreign debt index of banks will be occupied only after 90 days of overseas agency payment, but not after 90 days). After overseas payment, there will be actual time difference in external payment, such as the declaration of international payment. It should be noted that the declaration was made at that time because cross-border funds had already occurred during the import bill. For customers, the repayment method of documentary draft is more free, but the cost is relatively high and the overseas payment period is fixed. In general, it is not allowed to leave early. Under the expectation of RMB appreciation, overseas agency payment can be operated at the same time as forward purchase of foreign exchange, and customers can profit from it.

2. Import draft refers to a short-term financing provided by the issuing bank to the applicant (importer). Usually, due to the shortage of funds or cash flow difficulties, the applicant can't pay the bills to the bank, apply for import bills with the goods imported as collateral, and repay the loan principal and interest and expenses to the bank within the prescribed time limit. 3. Overseas agent payment or import agent payment refers to a financing method under import letter of credit/import agent payment/remittance. When a customer asks the bank to open a letter of credit/import agent payment/remittance bill, and the bank has no foreign currency fund position to provide financing for it, the bank can provide the position on its behalf with the credit line granted by the agent bank. The correspondent bank will make immediate payment according to the instructions of the bank. After the customer repays the bank (domestic bank) when the agreement expires, the bank will repay the position to the correspondent bank.