第5章-信用证

通知行/议付行 通知行 议付行
15
（1）申请开证 ）申请开证Application
申请人填写开证申请书 申请人填写开证申请书 注意事项：
i. ii.
开证指示完整明确(Be complete and precise） 开证指示完整明确 指示单据化（Refer to documents only） 指示单据化
20
【思考】如果开证行在信用证中的保兑指示为 “adding your confirmation if requested by the beneficiary”，假设你是受益人，你会如何选择？
21
（4）出口商审核信用证 Checking ）
14
2.信用证操作实务 2.信用证操作实务
订立合同 受益人 开证申请人 出口商） 进口商） （进口商） 9.提货 提货 4.发货制单 （出口商） 发货制单 8.付款 8.付款赎单 付款赎单 1.申请开证 1.申请开证 5.交单 5.交单议付 交单议付
3.通知 通知
开证行
2.开证 开证 6.寄单索偿 寄单索偿 7.审单偿付 审单偿付
2
Question
Who is the drawee of a draft under a letter of credit?
4
3
1.2信用证的性质 1.2信用证的性质 （1）开证行付第一性的付款责任 ）开证行付第一性的付款责任（The issuing bank assume the primarily liability of payments.）
11
1.5信用证的形式和内容 1.5信用证的形式和内容 (1)形式 (1)形式 信开本 电开本
12
（2）内容 1）type of the credit 2) credit number 3) date and place of issue 4) date and place of expiry 5) applicant 6) beneficiary 7)advising bank 8)amount 9)credit available with nominated bank 10)partial shipment allowed or not allowed
8
II.
1.4信用证的当事人 1.4信用证的当事人
开证申请人(APPLICANT) 一、开证申请人(APPLICANT) 开证行(ISSUING 二、开证行(ISSUING BANK/OPENING BANK) 通知行(ADVISING 三、通知行(ADVISING BANK) 四、受益人(BENEFICIARY) 受益人(BENEFICIARY) 保兑行(CONFIRMING 五、保兑行(CONFIRMING BANK) 议付行(NEGOTIATING 六、议付行(NEGOTIATING BANK) 付款行(PAYING 七、付款行(PAYING BANK) 承兑行(ACCEPTING 八、承兑行(ACCEPTING BANK) 偿付行(REIMBERSING 九、偿付行(REIMBERSING BANK) 指定银行 Nominated Bank
第5章
信用证
Letter of Credit
1
本章主要内容
1. 2. 3. 4.
信用证概述 信用证操作实务 信用证的类型 信用证欺诈及案例
2
1
1.信用证概述 1.信用证概述 1.1信用证的定义 1.1信用证的定义
信用证是开证银行根据申请人的要求和指示，向受益人开立的， 有一定金额的，在一定期限内凭规定的单据，在指定的地点支 付（即付款、承兑或议付汇票）的书面保证。 Article 2 of UCP600： Credit means any arrangement, however named or described, that is irrevocable and thereby constitutes a definite undertaking of the issuing bank to honor a complying presentation. Honor means: a. to pay at sight if the credit is available by sight payment. b. to incur a deferred payment undertaking and pay at maturity if the credit is available by deferred payment. c. to accept a bill of exchange (“draft”) drawn by the beneficiary and 3 pay at maturity if the credit is available by acceptance.
6
5
（3）信用证是单据化业务（Banks deal with documents and not with goods, services and/or other performances to which the documents may relate） 案例3：我国哈尔滨某公司与外商签订一份出口合同， 以信用证方式结算。合同签订以后，外商通过开证 银行开来信用证。信用证上表明装货港为“your port”。我某公司按照要求安排货物发运之后备齐所 有单据在有效期内向银行交单议付。但是被银行拒 付，拒付理由为提单上显示装货港为大连港，与信 用证不符。试评价银行的拒付理由是否成立？
over 15 years of age. C. A certificate issued by the shipping company /carrier or their agent stating that the carrying steamer is not over 15 years of age.
通知行通知：
This credit bears our confirmation and we engage that documents presented for payment in conformity with the terms of this credit will be paid on presentation. We hereby advise this credit without any engagement on our part.
sales contract─－>application form─ ─ >credit －
importer exporter importer issuing bank issuing bank all parties to credit
案例2：我某公司出口一批钢材，以信用证方式结算。货物装运 后，我某公司在有效期内向银行交单议付，议付行审单议 付后向国外开证行寄单索偿。5天之后，议付行收到开证行 的拒付通知，写明“the documents are not complied with the sale contract”。请问开证行的拒付理由成立吗？
7
6
1.3信用证的用途 1.3信用证的用途
I.
What advantages and securities can each party get in L/C？ Since the bank credit has taken place of the commercial credit ,does each party has no risks in L/C ？
确定有无保兑指示，并决定是否加具保兑 决定是否通知信用证
19
开证行来证：
we request you to advise the beneficiary: □without adding your confirmation □adding your confirmation □adding your confirmation if requested by the beneficiary
17
（2）开证行开立信用证 Issuance of
credit 审查开证申请书 审查开证申请人的资信状况，落实开证保证金 查验进口开证应当提供的有效证件 按申请人的指示开立信用证 选择合适的方式将信用证内容发送给通知行
18
（3）通知行通知信用证 Advising ）
核对密押或印鉴
UCP600： By advising the credit, the advising bank signifies that it has satisfied itself as to the apparent authenticity of the credit 『思考』如果通知行无法确定所收到的信用证的真 实性，如何处理？
按要求存入保证金或者提供担保
16
【思考】：在CIF合同中，进口商为了减少货物 思考】 运输中的风险，要求承运船舶的船龄不得超 过15年，请问如何在开证申请书中反映这一 要求？
A. The carrying steamer is not over 15 years of age. B. A certificate stating that the carrying steamer is not
9
Main parties 基本当事人
Applicant
Confirming bank
Issuing bank Advising bank
Reimbursing bank
Accepting/ Paying bank
Beneficiary
Negotiating bank
10

Questions
I. Which bank has the right of recourse to beneficiary when the issuing bank dishonor the documentary bill? II. Which bank can not be the drawee bank of the draft under credit? III.One day, a negotiating bank presents documents to the confirming bank for payment. The confirming bank states:only after the issuing bank refuse to make payment, then it has the liability to make payment to the beneficiary. How do you think about the confirming bank’s statement?