在外贸业务中，金融机构水单（文中专指购汇水单），即商家企业账上收到客户的货款，金融机构入帐时其通告企业的书面形式文档。

In foreign trade, a bank slip (refer in particular to customers’ payment bill), is a paperwork banks apply to inform the seller company that the payment has been effected from the customer.

一般，大部分人到结算时以收到金融机构水单为标准，提前准备我方下一步的工作中（生产制造及送货等）。

We generally confirm the payment is effected subject to our receipt of bank slip set to operate the subsequent work (production, shipment, and the like).

近期，Evan就碰到了一件事，使他焦虑情绪不己。

Recently, Evan encountered with an incident of which confused him a lot.

Evan在LinkedIn上研发了个客户，客户沒有太多地明确提出抵制建议，Evan很顺利地拿到了订单信息。而客户一再强调，交期一定一定不可以耽误，由于她们要把商品尽早投放市场。

Evan developed the customer on LinkedIn. Without facing too many objections from the customer, Evan lightly took the order. The customer emphasized repeatedly that the delivery date must not be postponed since they would launch the products on the market soon after they picked up the goods.

Evan与客户承诺按30 % T/T预支付，送货前剩下账款结清的支付方式。一收到金融机构的水单，确定没有问题后，Evan便逐渐计划生产制造。生产制造期内，Evan也确定了账款已到账。客户那里则仍不是满意的模样，一直提示Evan，交期不可以误。Evan相信了客户确实很急需这批货，就害怕懈怠，让工厂那里即便 日夜奋战都需要做出来，别误了交期。

Evan came to the agreement with the customer that the payment method of 30 % payment T/T in advance and the rest being effected before the shipment. The moment Evan received the bank slip and confirmed that it’s error free, Evan started to arrange the production. During the production period, Evan verified that he had received the payment. As for the customer, it seemed worried and kept reminding Evan that the delivery date must not be behind schedule. Evan was convinced that the customer was in a extremely urgent need of the batch of goods so that Evan dared not to make any mistake and expedited the plant to produce goods in extra hours to make sure the delivery date wouldn’t get delayed.

五天后，Evan收到工厂通告，货品早已生产制造结束，Email通告了客户，让客户尽早将尾款结清，才好分配送货。

Five days later, Evan emailed his customer and asked him to effect the balance payment asap upon receipt of notification from the plant that the goods were all set to go so that he could arrange the shipment.

客户允许了，没多久发过来了水单及其一封电子邮件，谢谢Evan的效率高。合称借款将大概于三天后到账，让Evan细心等待并让其尽早分配交货。Evan看到了水单，松了一口气，沒有猜疑，逐渐分配送货事项。

The customer consented and sent the bank slip as well as an email with gratitude for Evan’s high efficiency before long. It also stated that the payment would be into Evan’s account approximately 3 days later and asked Evan to wait patiently. Evan heaved a sign after seeing the bank slip and set out to effect shipment without doubts.

三天后，Evan查验了一下企业账户，发觉并沒有货款到账。心急的他立刻给金融机构那里打过电話，了解账上是不是有未清算的货款。金融机构回应说沒有，Evan猛然拥有不祥的预感。

Three days later, Evan checked the company account, only to find out that the expected payment wasn’t into the account. Anxiously, he contacted the bank and inquired if there was any unliquidated payment. Unfortunately, the answer was no.

Evan发过封电子邮件给客户，质疑其为何货款并沒有与其常说到账。客户回了封电子邮件，全文空话，汇总起來便是一句话，“There must be some mistakes. Just wait patiently.”以后，客户索性就立即消失了。

Evan then sent an email and queried the customer why he hadn’t received the payment. The customer wrote back an email with nonsense and it could be summarized as “There must be some mistakes. Just wait patiently.” The customer just vanished afterwards.

結果，Evan到 终也没有收到借款，仅有那一个说不清道不明的水单好像在取笑他懵懂无知。Evan既丢失货，借款这里也只收到了30 %的订金，他是悲痛欲绝啊。

Failed to behold the arrival of payment at last, Evan considered himself as quite a ridiculous man, seeing that specious bank slip. It must desperate for Evan lost the cargoes and received 30 % of the total value in the end.

原先，客户发过来的 张水单是真品，订金具体是到帐了的。Evan也因而对客户造成了进一步的信赖。而Evan以后收到的那张水单是客户利用计算机仿冒而成，金融机构压根就沒有给予过这一份票据。

The first bank slip the customer sent turned out to be a real one and Evan did receive the payment so Evan developed confidence in the customer. Then the later bank slip was actually counterfeited by the customer with software which wasn’t offered by the bank ever.

很多人将收到水单相当于收到账款，认为收到了水单，那剩余的就可以让金融机构实际操作了。

A great amount of people think that once they get the bank slip, the payment is about to arrive soon.

归根结底，大家都不应当将收到水单做为开展生产制造或送货的规范，由于水单是能够根据Photoshop或第三方软件仿冒的。

In the final analysis, it’s forbidden for us to take the receipt of bank slip as the standard to arrange production or effect shipment for it can be counterfeited with Photoshop or other software.

其次，她们还可以根据电脑的财务管理系统设定较长的实行日期，以后再次撤消。而一旦你有一定的疏忽，便会有没有中招了

Besides, it’s practicable for them to utilize the financial system to set a long execution date and annul it afterwards. Once you are careless, you’ll have to face the consequence.

因此，大家一切要以收到款为标准，相对性于收付款，别的的都不是什么问题！

As a consequence, we must arrange the production as well as shipment subject to the receipt of payment.