贸易术语确定交货条件，也就是说贸易术语规定了买卖双方在交接货物方面彼此所承担的责任、费用和风险的划分。虽然离岸价和到岸价(FOB和CIF)同样指的是货物越过船舷后，卖方就有根据合同约定向对方索取货款的权利。虽然运费和保险费都是卖方先支付，不过是方便买家的做法，因为货物越过船舷后所产生的风险已转移至买方。

The terms of trade determine the terms of delivery, that is, the terms of trade specify the division of responsibilities, costs and risks borne by the buyer and the seller in the delivery of goods. Although FOB and CIF (FOB and CIF) also refer to the right of the seller to claim payment from the other party according to the contract after the goods cross the ship's rail. Although the freight and insurance premium are paid by the seller first, it is convenient for the buyer, because the risk caused by the goods crossing the ship's rail has passed to the buyer.