信用证的常见条款
信用证合同条款(9篇)
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信用证软条款及举例
信用证软条款及举例
信用证软条款是指在信用证中所附的经常性的约定。
这些条款通常是由国际贸易惯例或相关组织制定的，旨在保障信用证的执行和贸易双方的权益。
以下是一些常见的信用证软条款及其举例：
1. 信用证有效期：信用证在一定的有效期内有效，受益人必须在有效期内根据要求向开证行提交相关文件。
例如，信用证的有效期为60天，受益人必须在60天内提交所需的文件。
2. 分期装运：信用证规定一批货物可以分为几次装运。
例如，信用证规定一批货物可以分为两次装运，每次装船数量不得超过5000吨。
3. 转运条款：信用证允许货物在装运过程中经过转运，即在指定的地点转卖或转发货物。
例如，信用证允许货物在中转港通过转运到目的地。
4. 金额变动条款：信用证的金额在装运期间可以有一定的变动。
例如，信用证规定一批货物的金额为10万美元，但在装运期
间允许增加或减少10%的金额。
5. 装运日期条款：信用证规定货物的装运日期。
例如，信用证规定货物必须在2022年1月1日前装运。
6. 提单条款：信用证对货物提单的格式和内容有具体的规定。
例如，信用证要求货物提单必须按国际商会制定的提单样式填
写。
7. 支付条件：信用证规定了付款的条件，例如信用证规定货款将在货物验收后的10天内支付给受益人。
这些只是一些常见的信用证软条款及其举例，实际上不同的信用证中可能会包含更多或不同的条款，具体的条款要根据不同的贸易情况和协议进行规定。
信用证中常见的提单条款和制作注意事项
㈡制作注意事项
7．转运港(port of transshipment): 转运港(port 发生转运时，填写转运港名称，必要时加注所在国家名 发生转运时，填写转运港名称， 称。 卸货港(port 8．卸货港(port of discharge) 交付地(place 9．交付地(place of delivery) 根据实际情况填写交货地名称。 根据实际情况填写交货地名称。如果收货地与交货地都 空白，就是海运提单，而不是多式联运提单。 空白，就是海运提单，而不是多式联运提单。
一、信用证中常见提单条款
shipping(company‘s)clean 1. full set shipping(company s)clean on board bill(s)of lading marked “Freight Prepaid to order of shipper endorsed to … Freight Prepaid” 全套装船(公司的) Bank, notifying buyers 全套装船(公司的)洁净已装船提单应 注明“运费付讫” 作为以装船人指示为抬头、背书给…… 注明“运费付讫”，作为以装船人指示为抬头、背书给 银行， 银行，通知买方 2. bills of lading made out in negotiable form 作成可议付形式 的提单 3. clean shipped on board ocean bills of lading to order and endorsed in blank marked "Freight Prepaid" notify: importer(openers,accountee) 洁净已装船的提单空白抬头并 空白背书，注明“运费付讫” 通知进口人(开证人) 空白背书，注明“运费付讫”，通知进口人(开证人)
信用证常见条款及短语
信用证常见条款及短语Date & Address of Expiry 有效日期与地点1.valid in···for negotiation until ···在······议付至······止2.draft(s)must be presented to the negotiating(or drawee)bank not later than ··· 汇票不得迟于······交议付行(受票行)3.expiry date for presention of documents······交单满期日4.draft(s)must be negotiated not later than ··· 汇票要不迟于······议付5.this L/C is valid for negotiation in China(or your port)until 15th,July 1977 本证于1977年7月15日止在中国议付有效6.bills of exchange must be negotiated within 15 dayw from the date of bills of lading but not later than August 8,1977 汇票须在提单日起15天内议付,但不得迟于1977年8月8日7.this credit remains valid in China until 23rd May,1977(in-clusive) 本证到1977年5月23日为止,包括当日在内在中国有效8.expiry date August 15.1977 in country of beneficiary for negotiation 于1977年8月15日在受益人国家议付期满9.draft(s)drawn under this credit must be presented for negotiation in China on or before30th August,1977 根据本证项下开具的汇票须在1977年8月30日或该日前在中国交单议付10.this credit shall cease to be available for negotiation of beneficairy's drafts after 15th August,1977 本证将在1977年8月15日以后停止议付受益人之汇票11.expiry date 15th August,1977 in the country of the beneficiary unless otherwise 除非另有规定,(本证)于1977年8月15日在职受益人国家满期12.draft(s)drawn under this credit must be negotiated in China on or before August 12,1977 after which date this credit expires 凭本证项下开具的汇票在1977年8月12日或该日以前在中国议付,该日以后本证失效13.expiry(expiring)date······满期日14.···if negotiation on or befor···在······日或该日以前议付15.negotiation must be on or bcfore the 15th day of shipment 自装船日起15天或之前议付16.this credit shall remain in force until 15th August 1977 in China 本证到1977年8月15日为止在中国有效17.the credit is available for negotiation or payment abroad until···本证在国外议付或付款的日期到······为止18.documents to be presented to negotiation bank within 15 days after shipment 单据需在装船后15天内交给议付行19.doocuments must be presented for ne gotiation within···days after the on board date of bill of lading/after the date of issuance of forwarding agents'cargo receipts 单据需在已装船提单/运输行签发之货物承运收据日期后······天内提示议付十五、The Guarantee of the Opening Bank 开证行付款保证1.we hereby engage with you that all drafts drawn under and in compliance with the terms of this credit will be duly honored 我行保证及时对所有根据本信用证开具、并与其条款相符的汇票兑付2.we undertake that drafts drawn and presented in conformity with the terms of this credit will be duly honoured 开具并交出的汇票，如与本证的条款相符，我行保证依时付款3.we hereby engage with the drawers，endorsers and bona-fide holders of draft(s)drawn under and in compliance with the terms of the credit that such drafffft(s)shall be duly honoured on due presentation and delivery of documents as specified(if drawn and negotiated with in the validity date of this credit)凡根据本证开具有与本证条款相符的汇票，并能按时提示和交出本证规定的单据，我行保证对出票人、背书人和善意持有人承担付款责任(须在本证有效期内开具汇票并议付)4.provided such drafts are drawn and presented in accordance with the terms of this credit,we hereby engage with the drawers,endorsors and bona-fide holders that the said drafts shall be duly honoured on presentation 凡根据本证的条款开具并提示汇票,我们担保对其出票人、背书人和善意持有人在交单时承兑付款5.we hereby undertake to honour all drafts drawn in accordance with the terms of this credit 所有按照本条款开具的汇票,我行保证总付十六、Special Conditions 特别条款1.for special instructions please see overleaf 特别事项请看背面2.at the time of negotiations you will be paid the draft amount less 5% due to··· 议付时汇票金额应少付5%付给······ (注：这种条款是开证对议付行的指示)3.which amount the negotiation bank must authorise us to pay 该项金额须由议付行授权我行付给(注：指佣金的金额)4.if the terms and conditions of this credit are not acceptable to you please contact the openers for necessary amendments 如你方不接受本证条款,请与开证人联系以作必要修改5.negotiations unrestricted/restricted to advising bank 不限制议付行/限于通知行6.(the price)including packing charges (价格)包括包装费用7.all documents must be separated 各种单据须分开(即联合单证不接受)8.beneficiary's drafts are to be made out for 95% of invoice value,being 5% commission payable to credit opener 受益人的汇票按发票金额95%开具,5%佣金付给开证人9.drafts to be drawn for full CIF value less 5% commission,invoice to show full CIF value 汇票CIF总金额减少5%开具发票须表明CIF的全部金额10.5% commission to be remitted to credit openers by way of bank drafts in sterling pounds drawn on···this commission not to be showed on the invoice 5%佣金用英磅开成以······为付款人的银行汇票汇付给开证人，该佣金勿在发票上注明11.freight and charges to be showed on bill of lading etc. 提单等(单据)须标明运费及附加费12.cable copy of shipping adivce despatched to the accountee immediately after shipment 装船后,即将装船通知电报副本寄交开证人13.one copy of commercial invoice and packing list should be sent to the credit openers 15 days before shipment 商业发票和装箱单各一份须在装船前15天寄给开证人14.the beneficiary is to cable Mr.···stating L/C NO.,quantity shippe d,name & ETD of vessel within 5 days after shipment,a copy of this cable must accompany the documents for negotiation 受益人应在装船后五天内将信用证号码、装船数量、船名和预计开航日期电告······先生，该电报的副本须随同单据一起议付15.all documents except bills of exchange and B/Lading to be made out in name ofA.B.C.Co.Ltd. and which name is to be shownin B/Lading as joint notifying party with the applicant 除汇票和提单外,所有单据均须作成以A.B.C.有限公司为抬头,并以该公司和申请人作为提单的通知人16.signed carbon copy of cablc required 要求(提供)经签署的电报副本17.both shipment and validity dates of this credit shall be automatically extended for 15 days at the date of expiry 本证的装船有效期均于到期日自动延展15天18.amount of credit and quantity of merchandise···% more or less acceptable 证内金额与货物数量均可增减······%19.credit amount and shipment quantity···% more or less allowed 证内金额与装运数量允许增减······%20.shipment samples to be sent direct by airmail to buyer before shipment 装运前须将装船货样直接航寄买方21.cable accountee name of steamer/carriage number,quantity of goods and shipment date(or E.T.A.)将船名/车号、货物数量及装船期(或预抵期)电告开证人22.all banking charges outside Hongkong are for account of accountee 香港以外的全部银行费用由开证人负担23.drawee Bank's charges and acceptance commission are for buyer's account 付款行的费用和承兑费用由买方负担24.port congestion surcharge,if any,is payable by openers in excess of this documentary credit amount against evidence 如果有港口拥齐费,超过本金额部分凭证明由开证人支付25.amount of this credit may be exceeded by cost of insurance 本证金额可以超过保险费部分26.this letter of credit is transferable in China only,in the event of a transfer,a letter from the first beneficiary must accompany the documents for negotiation 本信用证仅在中国可转让,如实行转让,由第一受益人发出的书面(证明)须连同单据一起议付27.letter of guarantee and discrepancies are not acceptable 书面担保和错误单据均不接受28.admixture 5% max.including organic matter such as weed and inorganic 杂质最高5%,包括有机物(如杂草)和无机物29.include this symbol"丹"in the shipping marks on each side of the carton(that is four markings in one carton) 包含有"丹"字记号的装船唛头刷在纸箱的每一面(即每个纸箱要刷四个唛头十七、In Reimbursement 索偿文句1.instruction to the negotiation bank 议付行注意事项(1)the amount and date of negotiation of each draft must be endorsed on reverse hereof by the negotiation bank 每份汇票的议付金额和日期必须由议付行在本证背面签注(2)this copy of credit is for your own file,please deliver the attached original to the beneficaries 本证副本供你行存档,请将随附之正本递交给受益人(3)without your confirmation thereon (本证)无需你行保兑(4)documents must be sent by consecutive airmails 单据须分别由连续行次邮寄(注:即不要将两套单据同一航次寄出)(5)all original documents are to be forwarded to us by air mailand duplicates by sea-mail(6)please despatch the first set of documents including three copies of commercial invoices direct to us by registered airmail and the second set by following airmail 请将包括3份商业发票在内的第一套单据用挂号航邮径寄我行,第二套单据在下一次航邮寄出(7)original documents must be sent by Registered airmail,and duplicate by subsequent airmail 单据的正本须用挂号航邮寄送,副本在下一班航邮寄送(8)documents must be sent by successive(or succeeding)airmails 单据要由连续航邮寄送(9)all documents made out in English must be sent to our bank in one lot 用英文缮制的所有单据须一次寄交我行2.method of reimbursement 索偿办法(1)in reimbursement,we shall authorize your Beijing Bank of China Head Office to debit our Head Office RMB Yuan account with them,upon receipt of relative documents 偿付办法,我行收到有关单据后,将授权你北京总行借记我总行在该行开立的人民币帐户(2)in reibursement draw your own sight drafts in sterling on···Bank and forward them to our London Office,accompanied by your certificate that all terms of this letter of credit have been complied with 偿付办法,由你行开出英镑即期汇票······银行支取。
信用证中常见条款
信用证中常见条款
1.信用证的类型：信用证可以分为即期信用证和远期信用证。
即期信用证是指受益人在提交符合信用证要求的单据后，开证行立即付款的信用证；远期信用证是指受益人在提交符合信用证要求的单据后，开证行在未来的某个特定日期付款的信用证。
2.信用证的金额：信用证的金额应与合同金额相符，一般包括货物的总价和其他费用，如运费、保险费等。
3.信用证的有效期：信用证的有效期是指受益人提交单据的最后期限。
受益人必须在信用证的有效期内提交单据，否则信用证将失效。
4.信用证的装运期：信用证的装运期是指受益人必须在该期限内将货物装运。
装运期一般应与合同规定的装运期相符。
5.信用证的货物描述：信用证的货物描述应与合同的货物描述相符，包括货物的名称、数量、质量、包装等。
6.信用证的单据要求：信用证的单据要求是指受益人必须提交的单据种类和份数。
单据包括商业发票、提单、保险单、产地证等。
7.信用证的付款方式：信用证的付款方式一般为议付或付款。
议付是指受益人将单据提交给议付行，议付行在审核单据无误后，向受益人付款；付款是指开证行在审核单据无误后，直接向受益人付款。
8.信用证的软条款：信用证的软条款是指开证行在信用证中设置的一些不利于受益人的条款，如要求受益人提交某些难以获得的单据或在信用证中规定一些不确定的条件等。
受益人应谨慎对待信用证的软条款，避免因此而遭受损失。
以上是信用证中常见的一些条款，具体条款可能因不同的信用证而有所不同。
在使用信用证时，受益人应仔细阅读信用证的条款，确保自己能够满足信用证的要求。
信用证常见条款详解
信用证常见条款详解一、Kinds of L/C 信用证类别--------------------------------------------------------------1二、Names of Parties Concerned 有关当事人--------------------------------------------2三、Amount of the L/C 信用证金额-------------------------------------------------------3四、The Stipulations for the shipping Documents 跟单文句--------------------------4五、Draft(Bill of Exchange) 汇票---------------------------------------------------------5六、Invoice 发票---------------------------------------------------------------------------------6七、Bill of Loading 提单---------------------------------------------------------------7八、Insurance Policy (or Certificate) 保险单（或凭证）--------------------------------8九、Certificate of Origin 产地证---------------------------------------------------------13十、Packing List and Weight List 装箱单与重量单-----------------------------------13 十一、Inspection Certificate 检验证书---------------------------------------------------14 十二、Other Documents 其他单据-----------------------------------------------------15 十三、The Stipulation for Shipping Terms 装运条款------------------------------------16 十四、Date & Address of Expiry 有效日期与地点-------------------------------------16 十五、The Guarantee of the Opening Bank 开证行付款保证---------------------18 十六、Special Conditions 特别条款----------------------------------------------------19 十七、In Reimbursement 索偿文句----------------------------------------------------20一、Kinds of L/C 信用证类别----Kinds of L/C1.revocable L/C/irrevocable L/C 可撤销信用证/不可撤销信用证2.confirmed L/C/unconfirmed L/C 保兑信用证/不保兑信用证3.sight L/C/usance L/C 即期信用证/远期信用证4.transferable L/C(or)assignable L/C(or)transmissible L/C /untransferable L/C 可转让信用证/不可转让信用证5.divisible L/C/undivisible L/C 可分割信用证/不可分割信用证6.revolving L/C 循环信用证7.L/C with T/T reimbursement clause 带电汇条款信用证8.without recourse L/C/with recourse L/C 无追索权信用证/有追索权信用证9.documentary L/C/clean L/C 跟单信用证/光票信用证10.deferred payment L/C/anticipatory L/C 延付信用证/预支信用证11.back to back L/Creciprocal L/C 对背信用证/对开信用证12.traveller's L/C(or:circular L/C) 旅行信用证二、Names of Parties Concerned 有关当事人----Names of Parties Concerned1.opener 开证人(1)applicant 开证人（申请开证人）(2)principal 开证人（委托开证人）(3)accountee 开证人(4)accreditor 开证人（委托开证人）(5)opener 开证人(6)for account of Messrs 付（某人）帐(7)at the request of Messrs 应（某人）请求(8)on behalf of Messrs 代表某人(9)by order of Messrs 奉（某人）之命(10)by order of and for account of Messrs 奉（某人）之命并付其帐户(11)at the request of and for account of Messrs 应（某人）得要求并付其帐户(12)in accordance with instruction received from accreditors 根据已收到得委托开证人得指示2.beneficiary 受益人(1)beneficiary 受益人(2)in favour of 以（某人）为受益人(3)in one's favour 以……为受益人(4)favouring yourselves 以你本人为受益人3.drawee 付款人（或称受票人，指汇票）(1)to drawn on (or :upon) 以（某人）为付款人(2)to value on 以（某人）为付款人(3)to issued on 以（某人）为付款人4.drawer 出票人5.advising bank 通知行(1)advising bank 通知行(2)the notifying bank 通知行(3)advised through…bank 通过……银行通知(4)advised by airmail/cable through…bank 通过……银行航空信/电通知6.opening bank 开证行(1)opening bank 开证行(2)issuing bank 开证行(3)establishing bank 开证行7.negotiation bank 议付行(1)negotiating bank 议付行(2)negotiation bank 议付行8.paying bank 付款行9.reimbursing bank 偿付行10.the confirming bank 保兑行三、Amount of the L/C 信用证金额1.amount RMB￥…金额：人民币2.up to an aggregate amount of Hongkong Dollars…累计金额最高为港币……3.for a sum (or :sums) not exceeding a total of GBP…总金额不得超过英镑……4.to the extent of HKD… 总金额为港币……5.for the amount of USD… 金额为美元……6.for an amount not exc eeding total of JPY…金额的总数不得超过……日元的限度四、The Stipulations for the shipping Documents 跟单文句----- The Stipulations for the shipping Documents1.available against surrender of the following documents bearing our credit number and the full name and address of the opener 凭交出下列注名本证号码和开证人的全称及地址的单据付款2.drafts to be accompanied by the documents marked(×)below 汇票须随附下列注有（×）的单据3.accompanied against to documents hereinafter 随附下列单据4.accompanied by following documents 随附下列单据5.documents required 单据要求6.accompanied by the following documents marked(×)in duplicate 随附下列注有（×）的单据一式两份7.drafts are to be accompanied by…汇票要随附（指单据）……五、Draft(Bill of Exchange) 汇票----Draft(Bill of Exchange)1.the kinds of drafts 汇票种类(1)available by drafts at sight 凭即期汇票付款(2)draft(s) to be drawn at 30 days sight 开立30天的期票(3)sight drafs 即期汇票(4)time drafts 远期汇票2.drawn clauses 出票条款（注：即出具汇票的法律依据）(1)all darfts draw n under this credit must contain the clause “Drafts drawn UnderBank of…credit No.…dated…” 本证项下开具的汇票须注明“本汇票系凭……银行……年……月……日第…号信用证下开具”的条款(2)drafts are to be drawn in duplicate to our order bearing the clause “Drawn under United Malayan Banking Corp.Bhd.Irr evocable Letter of Credit No.…dated July 12, 1978” 汇票一式两份，以我行为抬头，并注明“根据马来西亚联合银行1978年7月12日第……号不可撤销信用证项下开立”(3)draft(s) drawn under this credit to be marked：“Drawn under…Bank L/C No.……Dated (issuing date of credit)” 根据本证开出得汇票须注明“凭……银行……年……月……日（按开证日期）第……号不可撤销信用证项下开立”(4)drafts in duplicate at sight bearing the clauses“Drawn under…L/C No.…dated…” 即期汇票一式两份，注明“根据……银行信用证……号，日期……开具”(5)draft(s) so drawn must be in scribed with the number and date of this L/C 开具的汇票须注上本证的号码和日期(6)draft(s) bearing the clause：“Drawn under documentary credit No.…(shown above) of…Bank”汇票注明“根据……银行跟单信用证……号（如上所示）项下开立”六、Invoice 发票---Invoice1.signed commercial invoice 已签署的商业发票in duplicate 一式两份in triplicate 一式三份in quadruplicate 一式四份in quintuplicate 一式五份in sextuplicate 一式六份in septuplicate 一式七份in octuplicate 一式八份in nonuplicate 一式九份in decuplicate 一式十份2.beneficiary's original signed commercial invoices at least in 8 copies issued in the name of the buyer indicating (showing/evidencing/specifying/declaration of) the merchandise, country of origin and any other relevant information. 以买方的名义开具、注明商品名称、原产国及其他有关资料，并经签署的受益人的商业发票正本至少一式八份3.Signed attested invoice combined with certificate of origin and value in 6 copies as reuired for imports into Nigeria. 以签署的，连同产地证明和货物价值的，输入尼日利亚的联合发票一式六份4.beneficiary must certify on the invoice…have been sent to the accountee 受益人须在发票上证明，已将……寄交开证人5.4% discount should be deducted from total amount of the commercial invoice 商业发票的总金额须扣除4%折扣6.invoice must be showed: under A/P No.… date of expiry 19th Jan. 1981 发票须表明：根据第……号购买证，满期日为1981年1月19日7.documents in combined form are not acceptable 不接受联合单据bined invoice is not acceptable 不接受联合发票七、Bill of Loading 提单1.full set shipping (company's) clean on board bill(s) of lading marked "Freight Prepaid" to order of shipper endorsed to … Bank, notifying buyers 全套装船（公司的）洁净已装船提单应注明“运费付讫”，作为以装船人指示为抬头、背书给……银行，通知买方2.bills of lading made out in negotiable form 作成可议付形式的提单3.clean shipped on board ocean bills of lading to order and endorsed in blank marked "Freight Prepaid" notify: importer(openers,accountee) 洁净已装船的提单空白抬头并空白背书，注明“运费付讫”，通知进口人（开证人）4.full set of clean "on board" bills of lading/cargo receipt made out to our order/to order and endorsed in blank notify buyers M/S … Co. calling for shipment from China to Hamburg marked "Freight prepaid" / "Freight Payable at Destination" 全套洁净“已装船”提单/货运收据作成以我（行）为抬头/空白抬头，空白背书，通知买方……公司，要求货物字中国运往汉堡，注明“运费付讫”/“运费在目的港付”5.bills of lading issued in the name of… 提单以……为抬头6.bills of lading must be dated not before the date of this credit and not later than Aug. 15, 1977 提单日期不得早于本证的日期，也不得迟于1977年8月15日7.bill of lading marked notify: buyer,“Freight Prepaid”“Liner terms”“received for shipment” B/L not acceptable 提单注明通知买方，“运费预付”按“班轮条件”，“备运提单”不接受8.non-negotiable copy of bills of lading 不可议付的提单副本八、Insurance Policy (or Certificate) 保险单（或凭证）-----Insurance Policy (or Certificate)1.Risks & Coverage 险别(1)free from particular average (F.P.A.) 平安险(2)with particular average (W.A.) 水渍险（基本险）(3)all risk 一切险（综合险）(4)total loss only (T.L.O.) 全损险(5)war risk 战争险(6)cargo(extended cover)clauses 货物（扩展）条款(7)additional risk 附加险(8)from warehouse to warehouse clauses 仓至仓条款(9)theft,pilferage and nondelivery (T.P.N.D.) 盗窃提货不着险(10)rain fresh water damage 淡水雨淋险(11)risk of shortage 短量险(12)risk of contamination 沾污险(13)risk of leakage 渗漏险(14)risk of clashing & breakage 碰损破碎险(15)risk of odour 串味险(16)damage caused by sweating and/or heating 受潮受热险(17)hook damage 钩损险(18)loss and/or damage caused by breakage of packing 包装破裂险(19)risk of rusting 锈损险(20)risk of mould 发霉险(21)strike, riots and civel commotion (S.R.C.C.) 罢工、暴动、民变险(22)risk of spontaneous combustion 自燃险(23)deterioration risk 腐烂变质险(24)inherent vice risk 内在缺陷险(25)risk of natural loss or normal loss 途耗或自然损耗险(26)special additional risk 特别附加险(27)failure to delivery 交货不到险(28)import duty 进口关税险(29)on deck 仓面险(30)rejection 拒收险(31)aflatoxin 黄曲霉素险(32)fire risk extension clause-for storage of cargo at destination Hongkong, including Kowloon, or Macao 出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款(33)survey in customs risk 海关检验险(34)survey at jetty risk 码头检验险(35)institute war risk 学会战争险(36)overland transportation risks 陆运险(37)overland transportation all risks 陆运综合险(38)air transportation risk 航空运输险(39)air transportation all risk 航空运输综合险(40)air transportation war risk 航空运输战争险(41)parcel post risk 邮包险(42)parcel post all risk 邮包综合险(43)parcel post war risk 邮包战争险(44)investment insurance(political risks) 投资保险（政治风险）(45)property insurance 财产保险(46)erection all risks 安装工程一切险(47)contractors all risks 建筑工程一切险2.the stipulations for insurance 保险条款(1)marine insurance policy 海运保险单(2)specific policy 单独保险单(3)voyage policy 航程保险单(4)time policy 期限保险单(5)floating policy (or open policy) 流动保险单(6)ocean marine cargo clauses 海洋运输货物保险条款(7)ocean marine insurance clauses (frozen products) 海洋运输冷藏货物保险条款(8)ocean marine cargo war clauses 海洋运输货物战争险条款(9)ocean marine insurance clauses (woodoil in bulk) 海洋运输散装桐油保险条款(10)overland transportation insurance clauses (train, trucks) 陆上运输货物保险条款（火车、汽车）(11)overland transportation insurance clauses (frozen products) 陆上运输冷藏货物保险条款(12)air transportation cargo insurance clauses 航空运输货物保险条款(13)air transportation cargo war risk clauses 航空运输货物战争险条款(14)parcel post insurance clauses 邮包保险条款(15)parcel post war risk insurance clauses 邮包战争保险条款(16)livestock & poultry insurance clauses (by sea, land or air) 活牲畜、家禽的海上、陆上、航空保险条款(17)…risks clauses of the P.I.C.C. subject to C.I.C. 根据中国人民保险公司的保险条款投保……险(18)marine insurance policies or certificates in negotiable form, for 110% full CIF invoice covering the risks of War & W.A. as per the People's Insurance Co. of China dated 1/1/1976. with extended cover up to Kuala Lumpur with claims payable in (at) Kuala Lumpur in the currency of draft (irrespective of percentage) 作为可议付格式的海运保险单或凭证按照到岸价的发票金额110%投保中国人民保险公司1976年1月1日的战争险和基本险，负责到吉隆坡为止。
信用证中常见的软条款
常见的软条款大致可归纳为4种：1 变相可撤销信用证条款；当开证银行在某种条件得不到满足时（如未收到对方的汇款、信用证或保函等），可利用条款随时单方面解除其保证付款责任。
2 暂不生效条款：信用证开出后并不生效，要待开证行另行通知或以修改书通知方可生效；3 开证申请人说了算条款：信用证中规定一些非经开证申请人指示而不能按正常程序进行的条款。
如发货需等申请人通知，运输工具和起运港或目的港，需申请人确认等。
4 无金额信用证（zero letter of credit)；信用证开出时无金额，通过修改增额或只能记账，而不发生实际现汇支付。
那种比较典型的带有未生效条款的软条款信用证。
通常还可以用几个“不”字来概括。
即开证行不通知生效，不发修改书，开证人不出具证书或收据，不来验货，不通知船公司船名等，并常常伴有要求出口商提前支付5%甚至更高履约金的字样，其中有不少是在证外合同中早就规定好了的。
在国际贸易支付方式中，跟单信用证使用最为广泛，也一直被视为相当保险的一种交易方式。
因此，尽管我国出口贸易也接受国际上普遍应用的多种支付方式，但主要的收汇方式仍然是跟单信用证。
为此，我们应对跟单信用证的条款，尤其是软条款深加研究，这样有利于工作操作和安全收汇。
一. 货物检验证明或货运收据由进口商或开证人授权的人出具和签署，其印鉴应由开证行证实方可议付的条款等等。
这些条款对受益人来说极为不利，因为进口商或进口商授权人如果不来履行就不能出具检验证书或货运收据，这必然影响货物出运。
但是，即使进口商检验并出具了证书或货运收据，如果未经开证行证实，也会造成单证不符。
1999年1月，某三资企业将制好的一套单据交来交通银行汕头分行议付，经银行审核，发现其检验证书未按信用证条款要求的经开证行证实。
企业得知后，希望把证书再寄给国外进口商，请其要求向开证行证实，但由于往返时间长，如果寄去后再寄回来又会影响交单时间，所以，只好以单证不符寄往国外开证行。
合同中的信用证条款
合同中的信用证条款现以我国对外出口业务中常用的支付条款为例，将信用证支付条款的主要内容简单介绍如下：1．即期信用证条款“买方应于××年×月×日前（或接到卖方通知×天内或签约后×天内）通过××银行开出以卖方为受益人的（由××银行保兑的）不可撤销的（可转让可分割的）全部发票金额的即期信用证，信用证有效期延至装运日期后15 天在中国到期。
”“The buyers shall arrange with××bank for opening an irrevocable（transferable，divisible）letter of credit （comfirmed by××Bank）in favour of the Sellers before-（or within— days afterreceipt of the Sellers’adviceor within—days after signing ofthis contract）． The said letter of credit shall beavailable by sightdraft（s） for full invoice value and remainvalid for negotiation inChina until the 15th day after date of shipment.”如系要求电汇，即可在上列条款内加列“信用证应列明在收到议付电报通知后即以电汇偿付”（The letter of credit must stipu-late that reimbursement is to be made telegraphically upon re-ceipt of the cable advice Of negotiation.）2．远期信用证条款“买方应于××年××月×日前（或接到卖方通知后×天内或签约后×天内）通过××银行开立以卖方为受益人的不可撤销的（可转让的）见票××天（或装船后×天）付款的银行承兑信用证。
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Hale Waihona Puke 一， 信用证必须获得外汇当局批准后才生效。 有时候我们收到的信用证规定：该信用证必须获得外汇主管当局的核准才能生效。 如：This credit will be operative solely when we get the authority permission that we have already requested. 或者This credit shall become operative only receipt by us the authorization to that effect of XXX Exchange Institution.
三，信用证规定的某些单据必须由进口商或者代理人签署才能办理押汇的 （大家经常碰到的） 有时信用证规定，某些单据必须由进口商等出具或签字，我们出口商才能办 理信用证下的押汇。如，Inspection Certificate to be issued by XXX Trading Co.,或Commercial invoice to be countersigned by the buyer.
二， 受益人必须等到开证银行或者申请人另外通知后才能使该证。 有些信用证中附加了限制条件，如：This credit will be operative only after receipt of further instruction 或Shipping date to be instructed by the buyer from the opening bank through the advising bank或This credit is subject to shipping sample to be accepted by XXX Trading Co. ,and verified by cable from the opening bank to be advised through the advising bank.
四，信用证下的付款时间不确定 有的信用证虽然承诺向出口商付款，但是到底什么时候付款，他又不说。如， Payment by us will be subject to receipt of sterling cover from our XXX (place) office或Payment under this credit will be made by us only after arrival of goods in XXX(Place) and availability of Foreign Currency cover from Center Bank of XX.
信用证的软条款
常见软条款有以下几种类型
①暂不生效信用证,待进口许可证签发后通知生效或待货样经开 证人确认后再通知信用证生效; ②船公司、船名、目的港、起运港或验货人、装船日期须待开 证人通知或征得开证人同意,开证行将以修改书的形式另行通知: ③货到目的港后通过进口商检验后才履行付款责任; ④指定受益人必须提交国外检验机构出具的检验证书或由申请 人指定代表出具的证书等等,此类欺诈常发生于CFR/CIF合同。