信用证样本SWIFT
最新SWIFT信用证范本
最新SWIFT信用证范本SWIFT信用证范本1227: Sequence of total 序列号31/1 指只有一张电文440A: Form of documentary credit 跟单信用证形式5 IRREVOCABLE 不可撤消的信用证620: Doc. Credit Numbe712345678 信用证号码831C: Date of issue 开证日92002XXXX1031D: Date and place of expiry 信用证有效期112002XXXX12BENEFICIARY’S COUNTRY 有效地1350: Applicant 信用证开证审请人（你们的客户名）14 ABC CO., LTD.15CHINA1659: Beneficiary 受益人（你们公司名）17EFG CO., LTD.18ADDRESS32B: Currency code amount 信用证项下的金额1920USD XXXXXXX,2141D: Available with 议付适用银行22ANY BANK23BY NEGOTIATION 任何议付行2442C: Draft at 开汇票25XXX DAYS AFTER SIGHT26FOR FULL INVOICE value 见票XXX天付款（发票全额）2742A: Drawee 付款人28ABOCCNBJXXX29AGRICULTURAL BANK OF CHINA, XXX BRANCH 某农业银行某支行3043P: Partial shipment 是否允许分批装运31ALLOWED 可以3243T: Transshipment33ALLOWED 允许转运3444A: Taking charge 装船港口35XXXXXX PORT3644B: For transportation to 目的港CHINESE PORT373844C: Latest date of shipment 最后装船期392002XXXX4045A: Description goods and/or services 货物/服务描述41GENERAL MERCHANDISE 日用品4246A: Documents required 须提供的单据文件/doc/9c3339556.html,MERCIAL INVOICE IN TRIPLICATE 一式三份商业发票43442.FULL SET OF CLEAN ON BOARD B/L MARKED FREIGHT PREPAID MADE OUT TO 45ORDER OF SHIPPER AND NOTIFYING APPLICANT 全套已装船清洁提单，标明运费预付，收货人一栏填根据发货人指示，通知开证审请人46473.PACKING LIST IN DUPLICATE 装箱单一式二份4847A: Additional conditions 附加条件491.AGRICULTURAL BANK OF CHINA SINGAPORE BRANCH IS ASSIGNED TO DISCOUNT 50THE L/C 中国农业银行为指定的付款行512.AFTER NEGOTIATION BANK HAS SENT TESTED TELEX TO ISSUING BANK 52CERTIFYING DOCUMENTS IN COMPLIANCE WITH THE L/C TERMS AND INDICATION 53INVOICE value,THEN NEGOTIATION BANK IS AUTHORIZED TO CLAIM REIMBURSEMENT 54BY TESTED TELEX/SWIFT FROM AGRICULTRUAL BANK OF CHINA SINGAPORE BRANCH 55AT SIGHT BASIS. SINGAPORE BRANCH WILL EFFECT PAYMENT WITHIN 5 WORKING DAYS.5657议付行发电传给开证行确认单证相符，并指示发票金额，然后以SWIFT电码或电传的形式授权中国农业银行新加波支行付款给收益人，新加波支行将在5859五个工作日内履行付款义务6071B: Charges 开证以外产生的费用61ALL BANKING CHARGES OUTSIDE OF THE ISSUING BANK (EXCEPT FOR THE 62DISCOUNT INTEREST AND DISCOUNT CHARGES) ARE FOR BENEFICIARY’S63ACCOUNT 开证行以外产生的费用由信用证收益人负担（票据贴现利息与折扣除外）646548: Period for presentation 单据提交期限66DOCUMENTS MUST BE PRESENTED WITHIN XX DAYS AFTER LATEST SHIPMENT DATE BUT WITHIN THE VALIDITY OF THIS6768CREDIT 在信用证有效期内，最迟装运期后XX天内，向银行提交单据6949: Confirmation instruction70WITHOUT 不保兑7153A: Reimbursement Bank 偿付行72ABOCSGSG7378: Instructions to pay/account/negotiation bank 指示付款行？议74付行751.A DISCREPANCY(IES) FEE OF USDXX.00 WILL BE DEDUCTED FROM THE 76PROCEEDS IF THE DOCUMENTS ARE PRESENTED WITH A DISCREPANCY(IES). 如果单据提交有差异，差额将从信用额里扣除77782.ALL DOCUMENTS SHOULD BE DESPATCHED TO US （ADDRESS：XXXXXXX）INONE LOT BY COURIER SERVICE.7980所有单据应一次性通过快件形式发给我们8172: Sender to receiver information 说明82THIS CREDIT IS ISSUED SUBJECT TO UCP500 (1993 REVISION) 本信用证83跟据跟单信用证通一惯例UCP500（1993 年版）开出84One original and four photocopies of the commercial invoice showing standard export packing and also showing non-quota when a non-quota item8586is shipped.87出具一式四份标准出口包装的商业发票,若为无配额商品,则需另出无配额证明8889One origianl and three photocopies of inspection certificate issued 90by hymin park of min woo international inc.91出具一式三份由hymin park of min woo international inc.签发的商检92证书93A fax letter by angela stating that one full set of non-negotiable94documents was received.95Angela传真声明需出具一整套不可议付之单证96One origianal and three photocopies of beneficiary's certificate 97certifying that a production sample was sent to the attention of ruth plant or Albert elkaim of buffalo jeans ,4009899sauve west, montreal , quebec h3l 1z8100一式三份的受益人产品样品之证明书寄至工厂或是此地址: Albert elkaim101of buffalo jeans ,400102sauve west, montreal , quebec h3l 1z8 (加拿大的一个地址)103One original and three photocopies of packing list.104装箱单一式三份105full set of original marine bills of lading clean on board or106multimode transport documents clean on board plus 2 non-negotiable copies107issued by air sea transport inc.. weihai, china made out or endorsed toorder of bnp paribass(canada) marked freight collect, notify general 108109customs brokers attn linda 514-876-1704110全套清洁已装船的海运提单或是清洁已装船之多式联运提单需加两份由111air sea transport inc签发的不可议付单据副本.提单需注明由bnp 112paribass(Canada)付费,通关联系人 Linda,电话514-876-1704113one original and three photocopies of certificate of export licenceof textile products showing the year of quota which mustcorrespond to 114115the year of shipment except in the case of non-quota which an export116licence is not required.出具一式三份的纺织品出品许可证明书,年度配额须与年度出货一致,其中117118无需配额要求除外.119One original and three photocopies of certificate of origin.一式三份的原产地证书120121one original and three photocopies of canada customs invoice.122一式三份的加拿大海关发票123a fax letter by albert elkaim,michel bitton, ruth plant,kathy 124alix,nancy whalen,marjolaine martel,mimi bernola,anna 125 sciortino,jennyfer hassan or charles bitton stating a sample was 126received.127albert elkaim,michel bitton, ruth plant,kathy alix,nancy 128 whalen,marjolaine martel,mimi bernola,anna sciortino,jennyfer hassan or 129charles bitton这些人传真声明的可接受之样品letter from shipper on their letterhead indicating their name of 130131company and address,bill of lading number,container number and that this 132shipment,including its container,does not contain any non-manufactured 133wooden material, tonnage, bracing material, pallets, crating or other 134non-manufactured wooden packing material.135托单需注明托运人公司,地址,提单号,货柜号,及装载量,包括非木质包装之排水量,托盘,板条箱或其它非木质包装材料136137信用证条款如下:138DOCUMENTS REQUIRED 45A1、FULL SET CLEAN SHIPPED ON BOARD SHIPPING CO’S BILL OF LADING 139140ISSUED TO THE ORDER OF OMDURMAN NATIONAL BANK, SAGGANA BRANCH MAKED 141FREIGHT PREPAIK AND NOTIFY APPLICANT.2、 SIGNED COMMERCIAL INVOICE IN FIVE ORIGINAL AND THREE COPIES DULY 142143CERTIFIED TRUE AND CORRECT.。
SWIFT信用证的格式
SWIFT信用证的格式代号为MT700和MT707代码(Tag)栏位名称(Field Name)27合计次序(Sequence of Total)20信用证编号（Documentary Credit Number）45B货物描述与交易条件（Description Goods and/or Services）46B应具备单据（Documents Required）47B附加条件（Additional Conditions）50申请人（Application）59受益人（Beneficiary）32B币别代号、金额（Currency Code，Amount）39A信用证金额加减百分率（Percentage Credit Amount）39B最高信用证金额（Maximum Credit Amount）39C可附加金额（Additional Amount Covered）41a向…银行押汇，押汇方式为…（Available Wit h…By…）42C汇票期限（Drafts a t…）42a付款人（Drawee）42M混合付款指示（Mixed Payment Details）42P延期付款指示（Deferred Payment Details）43P分运（Partial Shipments）43T转运（Transhipment）44A由…装船/发送/接管（Loading on Board/Dispatch/Taking in Charge at/fro m…）44B装运至…（For Transportation t o…）44C最后装船日（Latest Date of Shipment）44D装运期（Shipment Period）45A货物描述与交易条件（Description Goods and/or Services）46A应具备单据（Documents Required）47A附加条件（Additional Conditions）71B费用（Charges）48提示期间（Period for Presentation）49保兑指示（Confirmation Instructions）53a清算银行（Reimbursement Bank）78对付款/承兑/让购银行之指示（Instructions to the Paying／Accepting/Negotiation bank）57a收讯银行以外的通知银行(“Advise Through”Bank)72银行间的备注(Sender to Receiver Information)注:M/O为Mandatoryandatory与Optional的缩写，前者是指必要项目，后者为任意项目。
信用证样本SWIFT
信用证样本SWIFT信用证样本Own BIC/TID :II: ICBKCNBJZJP BIC identified as:INDUSTRIAL AND COMMERCIAL BANK OFCHINA,JINHUA CITY BRANCHNO 500 BAY1 NORTH ROAD YIWU CITY 321000ZHEJIANG PROVINCE, CHINASWIFT Message Type :MT: 700 Issue of Documentary Credit Correspondents BIC/TID :IO: MIDLGB22 3757 401965 980710 2242 NMIDLAND BANK PLC LONDON, U.K. Sequence of Total : 27: 1/1Form of Documentary Credit :40A: NON TRANSFERABLEDocumentary Credit Number : 20: LCBR82791Date of Issue. :31C: 070701Applicable Rules. :40E: UCP LATEST VERSIONDate and Place of Expiry :31D: 070908 CHINAApplicant : 50: DDD Co., Ltd.UNIT 2208 22/F LAFORD CENTRE 888 WAITERWEST ROADLONDON SE7 8NJ, U.K.Beneficiary :59: ZHEJIANG YIWU AAA CRAFTS FACTORYNO. 666 BINGW ANG ROAD, YIWU, ZHEJIANG,CHINA P. C. 3211000Currency code, Amount :32B: USD25000,00Available with---by---- :41D: ANY BANK BY NEGOTIATION Drafts at ...... :42C: AT SIGHTDrawee :42D: MIDLAND BANK PLC LONDON, U. K. FORNET INVOICE V ALUEPartial Shipments :43P.. ALLOWEDTransshipment :43T: NOT ALLOWEDPort of Loading/Airport of :44E: SHANGHAIDestination :44F: FELIXSTOWELatest Date of Shipment :44C: 070901Description of Goods :45A: ITEM NO. CVK6317,REVEAL ASHTRAY,OVERALL SIZE: 100 X 100 X 35MM,WITH 2 DDD LASER LOGO ON GLASS10,000 PCS AT USD2.50/PCDETAILS AS PER L/C APPIACANT' S PUR—CHASE NO. 9735-1FOB SHANGHAI, CHINADocuments Required : 46A:+ FULL SET OF CLEAN ON BOARD OCEAN BILLS OF LADING MADE OUT TO ORDER OF MIDLAND BANK PLC LONDON, U.K. AND NOTIFYING L/C APPLICANT WITH FULL ADDRESS MARKED "FREIGHT COLLECT". MENTIONING THIS L/C NUMBER.+SIGNED COMMERCIAL INVOICES IN 3 COPIES.+PAKING LISTS IN 3 COPIES.+CERTIFICATATE OF CHINESE ORIGIN IN 1 COPY.+ORIGINAL CERTIFICATE OF CHINESE ORIGIN GSP FORM A IN 1 COPY.+ONE ORIGINAL CLEAN INSPECTION CERTIFICATE IN DDD CO. , L.ED SIGNED BY ANY ONE OF THE AUTHORIZED SIGNATORIES OF DDD CO. ,L.ED.+ BENEFICIARY' S CERTIFICATE WITH COURIER RECEIPTCERTIFIING THAT ONE SET OF NON-NEGOTIATION COPY OF DOCUMENTS UNDER THIS LETTER OF CREDIT HAVE BEEN SENT TO APPLICANT WITHIN 5 DAYS AFTER SHIPMENT.Additional Conditions :47 A:1. DISCREPANT DOCUMENTS WILL BE REJECTED. HOWEVER, IF WE GIVE NO-TICE OF REFUSAL OF DOCUMENTS PRESENTED UNDER THIS CREDIT, WESHALL. RETAIN THE RIGHT TO ACCEPT A W AIVER OF DISCREPANCIES FROM THE APPLICANT, AND SUBJECT TO SUCH W AIVER BEING ACCEPTABLE TOUS, TO RELEASE DOCUMENTS AGAINST THAT WAIVER WITHOUT REFER-ENCE TO THE PRESENTER UNLESS WRITTEN INSTRUCTIONS TO THE CON-TRARY HA VE BEEN RECEIVED BY US FROM THE PRESENTER BEFORE THERELEASE OF THE DOCUMENTS. ANY SUCH RELEASE PRIOR TO RECEIPT OFCONTRARY WRITTEN INSTRUCTIONS SHALL NOT CONSTITUTE A FALLUREON OUR PART TO HOLD THE DOCUMENTS AT THE PRESENTER~S RISK ANDDISPOSAL, AND WE WILL NOT BE LIABLE TO THE PRESENTER 1N RESPECTOF ANY SUCH RELEASE2. CHARGES INCURRED IN RESPECT OF ANY TELEGRAPHIC TRANSFER/ CHA TS PAYMENT/PAYMENT ADVICE BY SWIFT/TELEX ARE FOR ACCOUNT OF BENEFICIARY.3. A HANDLING COMMISSION OF USD60.00 OREQUIVALENT, PLUS TELEX CHARGES, IF ANY, WILL BE DEDUCTED FROM THE PROCEEDS FOR EACH SET OF DOCUMENTS WITH DISCREPANCIES PRESENTED UNDER THIS LETTER OF CREDIT. THIS STATE- MENT IS NOT TO BE CONSTRUED TO MEAN THA T DOCUMENTS WITH DISCREPAN- CIES WILL BE HONOURED BY US. IN THE EVENT OF OUR PAYMENT DESPITE DIS- CREPANCIES, IT MUST NOT BE CONSTRUED AS WAIVER OF SIMILAR DISCREPAN- CIES ON FUTURE DRAWINGS.4. ALL DOCUMENTS MUST BE PRESENTED THROUGH BENEFICIARY'S BANKERAND EXTRA COPY OF INVOICE AND TRANSPORT DOCUMENT FOR L/C ISSUING BANK'S FILE REQUIRED.5. THE NUMBER OF THIS L/C MUST BE QUOTED ON ALL DOCUMENTS6. SHIPMENT EFFECTED PRIOR TO L/C ISSUANCE DA TE NOT ACCEPTABLE.BUYERS INSURE.WE HEREBY ENGAGE WITH THE DRAWERS, ENDORSERS AND BONA FIDE HOLDERS THA T DRAFTS DRAWN AND NEGOTIATED IN COMPLIANCE WITH THE TERMS AND CONDITONS OF THIS CREDIT WILL BE DUL Y HONOURED ON PRESENTA TION.THE AMOUNT OF ANY DRAFT DRAWN UNDER THIS CREDIT IS TO BE ENDORSED ON THE REVERSE HERE OF BY THE NEGOTIATING BANK. THE NUMBER AND DATE OF THE CREDIT AND THE NAME OF OUR BANK MUST BE QUOTED ON ALL DRAFTS.Charges :7lB: ALL BANKING CHARGES OUTSIDE U. K. AREFOR ACCOUNT OF BENEFICIARY.Period for presentation :48: ALL DOCUMENTS MUST BEPRESENTEDWITHIN 7 DAYS AFTER DA TE OF SHIPMENT. Confirmation Instructions :49: WITHOUTInst/Paying/Accpt/Negoti- :78: 1. PLS FORWARD THE WHOLE SET OF DOCU ate Bank MENTS IN ONE LOTTO OUR BILLS PROCESSING CENTRE (LON-DON) AT NO. 203WOODHILL STR. LONDON SE7 8NJ, U. K.VIA COURIERSERVICE AT BENEFICIARY'S EXPENSES.2. IN REIMBURSEMENT, WE SHALL REMITPROCEEDS INACCORDANCE WITH YOUR INSTRUCTIONSUPON RECEIPT OFTHE COMPLIED DOCUMENTS.Sender to Receiver Informa : 72: PLEASE ADVISE BENEFICIARY VIAtion TEL:86 579 6666666 FAX:86 579 8888888 Trailer。
信用证样本
信用证样本1．样本一BANK OF CYPRUS LTDLETTERS OF CREDIT DEPARTMENTNTCOSIA COMMERCIAL OPERATIONS CENTERINTERNATIONAL DIVISIONTEL: ****** FAX: ******TELEX: 2451 & 4933 KYPRIA CYSWIFT: BCYPCY2NDATE: 23 MARCH 2005APPLICATION FOR THE ISSUANCE OF A LETTER OF CREDITSWIFT MT700 SENT TO转送至STANDARD CHARTERD BANK UNIT 1-8 52/F SHUN NIND SQUARE DI WANG COMMERCIAL CENTRE,NO 5002 EAST SHENNAN ROAD,SHENZHEN，CHINA 渣打银行深圳分行深南东路5002号，信兴广场地王商业大厦52楼1-8单元:27: SEQUENCE OF TOTAL序列号1/1 只有一张电文:40A: FORM OF DOCUMENTARY CREDIT跟单信用证形式IRREVOCABLE 不可撤销的信用证:20:DOCUMENTARY CREDIT NUMBER信用证号码00143-01-0053557:31C: DATE OF ISSUE开证日（如果这项没有填，则开证日期为电文的发送日期）:31D:DATE AND PLACE OF EXPIRY信用证有效期和到期地点050622 IN CHINA 050622在中国到期:50: APPLICANT 信用证开证申请人NICOSIA（注意应同发票上的买方是一致的）:59: BENEFICIARY 受益人CHAOZHOU HUALI CERAMICS FACTORY潮州华利陶瓷洁具厂FENGYI INDUSTRIAL DISTRICT, GUXIANG TOWN, CHAOZHOU CITY, GUANGDONG PROVINCE,CHINA.:32B: CURRENCY CODE,AMOUNT 信用证项下的金额和货币USD784, 189.00: 41D: AVAILABLE WITH...BY... 议付适用银行STANDARD CHARTERED BANKCHINA AND/OR AS BELOW BY NEGOTIATION 渣打银行或以下的任何银行议付:42C:DRAFTS AT 开汇票SIGHT 即期:42A:DRAWEE 付款人BCYPCY2NO10BANK OF CYPRUS LTD（塞浦路斯的银行名）:43P:PARTIAL SHIPMENTS 是否允许分批装运NOT ALLOWED 不允许:43T:TRANSHIPMENT转运ALLOWED允许:44A:LOADING ON BOARD/DISPATCH/TAKING IN CHARGE AT/FROM... 装船港口SHENZHEN PORT深圳:44B:FOR TRANSPORTATION TO 目的港LIMASSOL PORT 利马索尔港:44C: LATEST DATE OF SHIPMENT最迟装船期050601:045A:DESCRIPTION OF GOODS AND/OR SERVICES 货物/服务描述SANITARY WARE 陶瓷洁具FOB SHENZHEN PORT,INCOTERMS 2000 FOB 深圳港，INCOMTERMS 2000:046A:DOCUMENTS REQUIRED 须提供的单据文件*FULL SET (AT LEAST THREE) ORIGINAL CLEAN SHIPPED ON BOARD BILLS OF LADING ISSUED TO THE ORDER OF BANK OF CYPRUS PUBLIC COMPANY LTD,CYPRUS,NOTIFY PARTIES APPLICANT AND OURSELVES,SHOWING FREIGHT PAYABLE AT DESTINATION AND BEARING THE NUMBER OF THIS CREDIT. 全套清洁已装船提单原件（至少三份），做成以“塞浦路斯股份有限公司”为抬头，通知开证人和我们自己，注明运费在目的港付，注明该信用证号码。
信用证付款流程条款样本完整的SWIFT电文
信用证付款流程条款样本完整的SWIFT电文信用证是19世纪发生的一次国际贸易支付方式上的革命，这种支付方式首次使不在交货现场的买卖双方在履行合同时处于同等地位，在一定程度上使他们重新找回了"一手交钱，一手交货"的现场交易所具有的安全感，解决了双方互不信任的矛盾。
我们知道，采用汇付进行预期付款，是买方处于不利地位，而采用汇付进行迟期付款则是卖方处于不利地位，而采用托收方式，即使是即期交单付款方式，对卖方来说，也是一种迟期付款。
因为，卖方必须在装运后，才能获得全套收款的单据。
一旦买方拒付货款，即使货物的所有权还在卖方手里，卖方的损失还是难以避免的。
为了使买卖双方都处于同等地位，人们发明了信用证支付方式，由银行出面担保，只要卖方按合同规定交货，就可拿到货款,而买方又无须在卖方履行合同规定的交货义务前支付货款。
信用证是有条件的银行担保，是银行（开证行）应买方（申请人）的要求和指示保证立即或将来某一时间内付给卖方（受益人）一笔款项。
卖方（受益人）得到这笔钱的条件是向银行（议付行）提交信用证中规定的单据。
例如：商业、运输、保险、政府和其他用途的单据。
注析：1．开证申请人（买方）：请求银行开立信用证的人。
2．开证行：是进口国的一家银行，应买方的要求而开立信用证。
3．通知行：是出口国的一家银行，把开证事宜通知出口人。
4．出票人（卖方）：出售货物并向开证行或买方出具汇票。
5．受票人（卖方）：汇票到期时承担付款的责任者。
6．议付行：向卖方支付或承兑汇票7．偿付行：通常是开证行本身，他向议付行偿付后者预先垫付的货款。
在有些场合，它可能是开证行在第三国的偿付代理行。
8．受益人：以此人为抬头开立信用证，也就是有权开具汇票并领取货款者。
一般信用证格式一般信用证格式 (本证)由华盛顿中国银行转递。
"ZHUNGKRO"广州广东中国银行2000年4月5日广州兹开立第987号不可撤销的信用证受益人：华盛顿……公司开证人：广州市中国……进出口公司最高金额：$800，000(捌佰万美元，溢交或短交货物金额以5％为限)。
信用证SWIFT格式
信用证SWIFT格式跟单信用证的特点和标准在出口业务中采用的“信用证”方式，正式名称叫作“跟单信用证”。
我们在习惯上将其简称为L/C(LETTER OF CREDIT)。
国际贸易的结算方式很多，跟单信用证（DOCUMENTARY CREDIT）是其中最普遍使用的结算方式之一。
简单来说，信用证是银行应申请人的要求而开立的一项有条件的承诺，保证受益人可凭符合信用证所有条款的各项单据取得货款。
跟单信用证的特点是一切凭单据行事，而不用管货物的好坏。
单据是否与信用证条款相符是确定付款责任的唯一依据。
对开证人来说，通过信用证条款可促使受益人有效履行合同。
开证人是否支付货款，由开证行审核受益人所提交的单据是否相符而决定。
对受益人来说，只要做到单证相符，即可取得到开证行偿付的货款，大大降低了贸易风险。
因此，制作单证相符的单据及相关的审证、审单工作在跟单信用证实务中显得至关重要。
现在国际间使用的信用证普遍都受到国际商会制定的“跟单信用证统一惯例”（即俗称的“500条款”）所约束，作为解释信用证条款及决定单证是否相符的统一标准。
国际商会自1933年起开始制定跟单信用证标准，并陆续修改过4次，目前最新的是国际商会第500号文件（UCP500）,全称叫作“跟单信用证统一惯例”：UNIFORM CUSTOMS AND PRACTICE FOR DUCUMENTARY CREDITS—1993 REVISION(Publication No.500)。
“500条款”从1994年起生效，使用至今。
可以这样说，熟读“500条款”是用好信用证的基础。
但这仅仅是“纸上谈兵”，在实际工作中会出现各式各样的问题，无法从教科书中找到现成的答案。
我们将逐一分析跟单信用证的SWIFT报文格式，并结合“500条款”，以问答的形式讲述操作实战。
这篇指南不会对信用证基础知识多加解释，希望你在读这篇文章前已经学习过【进出口实务】和集团公司的【出口业务管理规定】，或具有一定的单证工作经验，这样更容易理解文章的内容。
信用证样本详解
⼀.SWIFT介绍 SWIFT⼜称：“环球同业银⾏⾦融电讯协会”，是国际银⾏同业间的国际合作组织，成⽴于⼀九七三年，⽬前全球⼤多数国家⼤多数银⾏已使⽤SWIFT系统。
SWIFT的使⽤，使银⾏的结算提供了安全、可靠、快捷、标准化、⾃动化的通讯业务，从⽽⼤⼤提⾼了银⾏的结算速度。
由于SWIFT的格式具有标准化，⽬前信⽤证的格式主要都是⽤SWIFT电⽂，因此有必要对SWIFT进⾏了解。
⼆.SWIFT特点 1.SWIFT需要会员资格。
我国的⼤多数专业银⾏都是其成员。
2.SWIFT的费⽤较低。
同样多的内容，SWIFT的费⽤只有TELEX（电传）的18%左右，只有CABLE（电报）的2.5%左右。
3.SWIFT的安全性较⾼。
SWIFT的密押⽐电传的密押可靠性强、保密性⾼，且具有较⾼的⾃动化。
4.SWIFT的格式具有标准化。
对于SWIFT电⽂，SWIFT组织有着统⼀的要求和格式。
三.SWIFT电⽂表⽰⽅式 1.项⽬表⽰⽅式 SWIFT由项⽬(FIELD)组成，如：59 BENEFICIARY（受益⼈），就是⼀个项⽬，59是项⽬的代号，可以是两位数字表⽰，也可以两位数字加上字母来表⽰，如51a APPLICANT（申请⼈）。
不同的代号，表⽰不同的含义。
项⽬还规定了⼀定的格式，各种SWIFT电⽂都必须按照这种格式表⽰。
在SWIFT电⽂中，⼀些项⽬是必选项⽬（MANDATORY FIELD)，⼀些项⽬是可选项⽬（OPTIONAL FIELD)，必选项⽬是必须要具备的，如：31D DATE AND PLACE OF EXPIRY（信⽤证有效期），可选项⽬是另外增加的项⽬，并不⼀定每个信⽤证都有的，如：39B MAXIMUM CREDIT AMOUNT（信⽤证限制⾦额）。
2.⽇期表⽰⽅式 SWIFT电⽂的⽇期表⽰为：YYMMDD（年⽉⽇） 如：1999年5⽉12⽇，表⽰为：990512； 2000年3⽉15⽇，表⽰为：000315； 2001年12⽉9⽇，表⽰为：011209。
信用证样本(中英文对照)
信用证样本(中英文对照).信用证样本:以下信用证内容源自华利陶瓷厂与一塞浦路斯客户所开立并顺利支付的信用证TO:BANK OF CYPRUS LTD （塞浦路斯银行有限公司）LETTERS OF CREDIT DEPARTMENTNTCOSIA COMMERCIAL OPERATIONS CENTERINTERNATIONAL DIVISION************TEL:******FAX:******TELEX:2451 & 4933 KYPRIA CYSWIFT:BCYPCY2NDATE:23 MARCH 2005APPLICATION FOR THE ISSUANCE OF A LETTER OF CREDIT（申请信用证的发行）SWIFT MT700 SENT TO:MT700转送至STANDARD CHARTERD BANKUNIT 1-8 52/F SHUN NIND SQUAREO1 WANG COMMERCIAL CENTRE,SHEN NANROAD EAST,SHENZHEN 518008 - CHINA渣打银行深圳分行深南东路5002号信兴广场地王商业大厦52楼1-8单元电话： 82461688:27: SEQUENCE OF TOTAL序列号1/1 指只有一张电文:40A: FORM OF DOCUMENTARY CREDIT跟单信用证形式IRREVOCABLE 不可撤消的信用证:20:DOCUMENTARY CREDIT NUMBER信用证号码00143-01-0053557:31C: DATE OF ISSUE开证日如果这项没有填，则开证日期为电文的发送日期。
:31D:DATE AND PLACE OF EXPIRY信用证有效期050622 IN CHINA在中国到期:50: APPLICANT 信用证开证审请人******* NICOSIA 较对应同发票上是一致的:59: BENEFICIARY 受益人CHAOZHOU HUA LI CERAMICS FACTORYFENGYI INDUSTRIAL DISTRICT, GUXIANG TOWN, CHAOZHOU CITY,GUANGDONG PROVINCE,CHINA.潮州华利陶瓷洁具厂:32B: CURRENCY CODE,AMOUNT 信用证项下的金额USD***7841,89:41D:AVAILABLE WITH....BY.... 议付适用银行STANDARD CHARTERED BANKCHINA AND/OR AS BELOW 渣打银行或以下的BY NEGOTIATION 任何议付行:42C:DRAFTS AT 开汇票SIGHT 即期:42D:DRAWEE 付款人BCYPCY2NO10BANK OF CYPRUS LTD 塞浦路斯的银行名:43P: PARTIAL SHIPMENTS 是否允许分批装运NOT ALLOWED 不可以:43T:TRANSHIPMENT转运ALLOWED允许:44A:LOADING ON BOARD/DISPATCH/TAKING IN CHARGE AT/FROM...装船港口SHENZHEN PORT深圳:44B:FOR TRANSPORTATION TO 目的港LIMASSOL PORT发票中无提及:44C: LATEST DATE OF SHIPMENT最后装船期050601:045A DESCRIPTION OF GOODS AND/OR SERVICES 货物/服务描述SANITARY WARE 陶瓷洁具F O B SHENZHEN PORT,INCOTERMS 2010 fob深圳港，INCOMTERMS 2010:046A DOCUMENTS REQUIRED 须提供的单据文件*FULL SET (AT LEAST THREE) ORIGINAL CLEAN SHIPPED ON BOARD BILLSOF LADING ISSUED TO THE ORDER OF BANK OF CYPRUS LTD,CYPRUS,NOTIFY PARTIES APPLICANT AND OURSELVES,SHOWING全套清洁已装船提单原件(至少三份)，作成以“塞浦路银行”为抬头，通知开证人和我们自己，注明*FREIGHT PAYABLE AT DESTINATION AND BEARING THE NUMBER OF THISCREDIT.运费在目的港付注明该信用证号码*PACKING LIST IN 3 COPIES.装箱单一式三份*CERTIFICATE ISSUED BY THE SHIPPING COMPANY/CARRIER OR THEIRAGENT STATING THE B/L NO(S) AND THE VESSEL(S) NAME CERTIFYINGTHAT THE CARRYING VESSEL(S) IS/ARE:A) HOLDING A VALID SAFETYMANAGEMENT SYSTEM CERTIFICATE AS PER TERMS OF INTERNATIONALSAFETY MANAGEMENT CODE ANDB) CLASSIFIED AS PER INSTITUTE CLASSIFICATION CLAUSE 01/01/2001BY AN APPROPRIATE CLASSIFICATION SOCIETY由船公司或代理出有注明B/L号和船名的证明书证明他们的船是:A)持有根据国际安全管理条款编码的有效安全管理系统证书; 和B)由相关分级协会根据2001年1月1日颁布的ICC条款分类的.*COMMERCIAL INVOICE FOR USD11,202,70 IN 4 COPIES DULY SIGNED BYTHE BENEFICIARY/IES, STATING THAT THE GOODS SHIPPED:A)ARE OF CHINESE ORIGIN.B)ARE IN ACCORDANCE WITH BENEFICIARIES PROFORMA INVOICE NO.HL050307 DATED 07/03/05.由受益人签署的商业发票总额USD11,202,70一式四份，声明货物运输：A)原产地为中国B)同号码为HL050307 开立日为 07/03/05的商业发票内容一致:047A: ADDITIONAL CONDITIONS附加条件* THE NUMBER AND DATE OF THE CREDIT AND THE NAME OF OUR BANK MUSTBE QUOTED ON ALL DRAFTS (IF REQUIRED).信用证号码及日期和我们的银行名必须体现在所有单据上(如果有要求)*TRANSPORT DOCUMENTS TO BE CLAUSED: ’VESSEL IS NOT SCHEDULED TOCALL ON ITS CURPENT VOYAGE AT FAMAGUSTA,KYRENTA OR KARAVOSTASSI,CYPRUS.运输单据注明" 船在其航行途中不得到塞***的Famagusta, Kyrenta or Karavostassi这些地方*INSURANCE WILL BE COVERED BY THE APPLICANTS.保险由申请人支付*ALL DOCUMENTS TO BE ISSUED IN ENGLISH LANGUAGE.所有单据由英文缮制*NEGOTIATION/PAYMENT:UNDER RESERVE/GUARANTEE STRICTLY 保结押汇或是银行保函PROHIBITED. 禁止*DISCREPANCY FEES USD80, FOR EACH SET OF DISCREPANT DOCUMENTSPRESENTED UNDER THIS CREDIT,WHETHER ACCEPTED OR NOT,PLUS OURCHARGES FOR EACH MESSAGE CONCERNING REJECTION AND/OR ACCEPTANCEMUST BE BORNE BY BENEFICIARIES THEMSELVES AND DEDUCTED FROM THEAMOUNT PAYABLE TO THEM.修改每个单据不符点费用将扣除80美元(最多40)*IN THE EVENT OF DISCREPANT DOCUMENTS ARE PRESENTED TO US ANDREJECTED,WE MAY RELEASE THE DOCUMENTS AND EFFECT SETTLEMENT UPON APPLICANT’S WAIVER OF SUCH DISCREPANCIES,NOTWITHSTANDING ANY COMMUNICATION WITH THE PRESENTER THAT WE ARE HOLDING DOCUMENTS ATITS DISPOSAL,UNLESS ANY PRIOR INSTRUCTIONS TO THE CONTRARY ARERECEIVED.如果不符点是由我方提出并被拒绝，我们将视为受益人放弃修改这个不符点的权利。
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信用证样本Own BIC/TID :II: ICBKCNBJZJP BIC identified as:INDUSTRIAL AND COMMERCIAL BANK OFCHINA,JINHUA CITY BRANCHNO 500 BAY1 NORTH ROAD YIWU CITY 321000ZHEJIANG PROVINCE, CHINASWIFT Message Type :MT: 700 Issue of Documentary CreditCorrespondents BIC/TID :IO: MIDLGB22 3757 401965 980710 2242 NMIDLAND BANK PLC LONDON, U.K. Sequence of Total : 27: 1/1Form of Documentary Credit :40A: NON TRANSFERABLEDocumentary Credit Number : 20: LCBR82791Date of Issue. :31C: 070701Applicable Rules. :40E: UCP LATEST VERSIONDate and Place of Expiry :31D: 070908 CHINAApplicant : 50: DDD Co., Ltd.UNIT 2208 22/F LAFORD CENTRE 888 WAITERWEST ROADLONDON SE7 8NJ, U.K.Beneficiary :59: ZHEJIANG YIWU AAA CRAFTS FACTORYNO. 666 BINGW ANG ROAD, YIWU, ZHEJIANG,CHINA P. C. 3211000Currency code, Amount :32B: USD25000,00Available with---by---- :41D: ANY BANK BY NEGOTIATIONDrafts at ...... :42C: AT SIGHTDrawee :42D: MIDLAND BANK PLC LONDON, U. K. FORNET INVOICE V ALUEPartial Shipments :43P.. ALLOWEDTransshipment :43T: NOT ALLOWEDPort of Loading/Airport of :44E: SHANGHAIDestination :44F: FELIXSTOWELatest Date of Shipment :44C: 070901Description of Goods :45A: ITEM NO. CVK6317,REVEAL ASHTRAY,OVERALL SIZE: 100 X 100 X 35MM,WITH 2 DDD LASER LOGO ON GLASS10,000 PCS AT USD2.50/PCDETAILS AS PER L/C APPIACANT' S PUR—CHASE NO. 9735-1FOB SHANGHAI, CHINADocuments Required : 46A:+ FULL SET OF CLEAN ON BOARD OCEAN BILLS OF LADING MADE OUT TO ORDER OF MIDLAND BANK PLC LONDON, U.K. AND NOTIFYING L/C APPLICANT WITH FULL ADDRESS MARKED "FREIGHT COLLECT". MENTIONING THIS L/C NUMBER.+SIGNED COMMERCIAL INVOICES IN 3 COPIES.+PAKING LISTS IN 3 COPIES.+CERTIFICATATE OF CHINESE ORIGIN IN 1 COPY.+ORIGINAL CERTIFICATE OF CHINESE ORIGIN GSP FORM A IN 1 COPY.+ONE ORIGINAL CLEAN INSPECTION CERTIFICATE IN DDD CO. , L.ED SIGNED BY ANY ONE OF THE AUTHORIZED SIGNATORIES OF DDD CO. ,L.ED.+ BENEFICIARY' S CERTIFICATE WITH COURIER RECEIPT CERTIFIING THAT ONE SET OF NON-NEGOTIATION COPY OF DOCUMENTS UNDER THIS LETTER OF CREDIT HAVE BEEN SENT TO APPLICANT WITHIN 5 DAYS AFTER SHIPMENT.Additional Conditions :47 A:1. DISCREPANT DOCUMENTS WILL BE REJECTED. HOWEVER, IF WE GIVE NO-TICE OF REFUSAL OF DOCUMENTS PRESENTED UNDER THIS CREDIT, WESHALL. RETAIN THE RIGHT TO ACCEPT A W AIVER OF DISCREPANCIES FROM THE APPLICANT, AND SUBJECT TO SUCH W AIVER BEING ACCEPTABLE TOUS, TO RELEASE DOCUMENTS AGAINST THAT WAIVER WITHOUT REFER-ENCE TO THE PRESENTER UNLESS WRITTEN INSTRUCTIONS TO THE CON-TRARY HA VE BEEN RECEIVED BY US FROM THE PRESENTER BEFORE THERELEASE OF THE DOCUMENTS. ANY SUCH RELEASE PRIOR TO RECEIPT OFCONTRARY WRITTEN INSTRUCTIONS SHALL NOT CONSTITUTE A FALLUREON OUR PART TO HOLD THE DOCUMENTS AT THE PRESENTER~S RISK ANDDISPOSAL, AND WE WILL NOT BE LIABLE TO THE PRESENTER 1N RESPECTOF ANY SUCH RELEASE2. CHARGES INCURRED IN RESPECT OF ANY TELEGRAPHIC TRANSFER/ CHA TS PAYMENT/PAYMENT ADVICE BY SWIFT/TELEX ARE FOR ACCOUNT OF BENEFICIARY.3. A HANDLING COMMISSION OF USD60.00 OR EQUIVALENT, PLUS TELEX CHARGES, IF ANY, WILL BE DEDUCTED FROM THE PROCEEDS FOR EACH SET OF DOCUMENTS WITH DISCREPANCIES PRESENTED UNDER THIS LETTER OF CREDIT. THIS STATE- MENT IS NOT TO BE CONSTRUED TO MEAN THA T DOCUMENTS WITH DISCREPAN- CIES WILL BE HONOURED BY US. IN THE EVENT OF OUR PAYMENT DESPITE DIS- CREPANCIES, IT MUST NOT BE CONSTRUED AS WAIVER OF SIMILAR DISCREPAN- CIES ON FUTURE DRAWINGS.4. ALL DOCUMENTS MUST BE PRESENTED THROUGH BENEFICIARY'S BANKERAND EXTRA COPY OF INVOICE AND TRANSPORT DOCUMENT FOR L/C ISSUING BANK'S FILE REQUIRED.5. THE NUMBER OF THIS L/C MUST BE QUOTED ON ALL DOCUMENTS6. SHIPMENT EFFECTED PRIOR TO L/C ISSUANCE DA TE NOT ACCEPTABLE.BUYERS INSURE.WE HEREBY ENGAGE WITH THE DRAWERS, ENDORSERS AND BONA FIDE HOLDERS THA T DRAFTS DRAWN AND NEGOTIATED IN COMPLIANCE WITH THE TERMS AND CONDITONS OF THIS CREDIT WILL BE DUL Y HONOURED ON PRESENTA TION.THE AMOUNT OF ANY DRAFT DRAWN UNDER THIS CREDIT IS TO BE ENDORSED ON THE REVERSE HERE OF BY THE NEGOTIATING BANK. THE NUMBER AND DATE OF THE CREDIT AND THE NAME OF OUR BANK MUST BE QUOTED ON ALL DRAFTS.Charges :7lB: ALL BANKING CHARGES OUTSIDE U. K. AREFOR ACCOUNT OF BENEFICIARY.Period for presentation :48: ALL DOCUMENTS MUST BE PRESENTEDWITHIN 7 DAYS AFTER DA TE OF SHIPMENT. Confirmation Instructions :49: WITHOUTInst/Paying/Accpt/Negoti- :78: 1. PLS FORWARD THE WHOLE SET OF DOCU ate Bank MENTS IN ONE LOTTO OUR BILLS PROCESSING CENTRE (LON-DON) AT NO. 203WOODHILL STR. LONDON SE7 8NJ, U. K.VIA COURIERSERVICE AT BENEFICIARY'S EXPENSES.2. IN REIMBURSEMENT, WE SHALL REMITPROCEEDS INACCORDANCE WITH YOUR INSTRUCTIONSUPON RECEIPT OFTHE COMPLIED DOCUMENTS.Sender to Receiver Informa : 72: PLEASE ADVISE BENEFICIARY VIAtion TEL:86 579 6666666 FAX:86 579 8888888 Trailer。