Chapter-Six-Letter-of-Credit-信用證-國(guó)際結(jié)算-教學(xué)課件

LetterofCredit

信用證

ChapterSixLetterofCredit

信用證

Chapter1aletterofcreditInsimpleterms,aletterofcreditisaconditionalbankundertakingofpayment.Guaranteedbybank’screditworthiness以銀行信譽(yù)擔(dān)保受益人在規(guī)定的時(shí)間內(nèi)提交規(guī)定的單據(jù)必須符合信用證條款。aletterofcreditInsimplete2申請(qǐng)人進(jìn)口商開(kāi)證行議付行通知行受益人出口商貨物資金申請(qǐng)開(kāi)證通知交單議付寄單償付通知贖單付款贖單審單審證信用證與一般的擔(dān)保業(yè)務(wù)是否相同？申請(qǐng)人開(kāi)證行議付行受益人貨物資金申請(qǐng)開(kāi)證通知交單議付36.1.2Characteristics特點(diǎn)1)當(dāng)單證相符時(shí)，獨(dú)立履行付款承諾，不受當(dāng)事人干擾第一性的付款責(zé)任6.1.2Characteristics特點(diǎn)1)當(dāng)單證相41.Theissuingbankundertakestoeffectpayment,quiteindependentofwhethertheapplicantisbankruptorisindefaultornot,providedthedocumentspresentedareincompliancewiththetermsandconditionsofthecredit.1.Theissuingbankundertakes51.Theissuingbankassumetheprimarilyliabilityofpayments.drawee：bankIssuingbankNominatedbankCantheapplicantBethedrawee?1.Theissuingbankassumethe6AcreditshouldnotbeissuedavailablebyDraft(s)ontheApplicant.IftheCreditneverthelesscallsforDraft(s)ontheApplicant,bankswillconsidersuchDraft(s)asanadditionaldocument(s).開(kāi)立信用證時(shí)，不應(yīng)以申請(qǐng)人作為匯票付款人。如信用證仍規(guī)定匯票付款人為申請(qǐng)人，銀行將視此匯票為附加的單據(jù)。Acreditshouldnotbeissued7

2）信用證是獨(dú)立文件，與銷售合同分離

2.Aletterofcreditstandsindependentofthesalescontract.

2）信用證是獨(dú)立文件，與銷售合同分離

2.Alette8salescontract─>applicationform──>credit

２.Salescontract=Credit（？）TherelationshipamongContract,applicationformandcredit.Anissuingbankstates“thedocumentsarenotcompliedwiththesalecontract”,canthisbeaduecoursetodishonorthebillbytheissuingbank?importerexporterimporterissuingbankissuingbankallpartiestocreditsalescontract─>applicationfo93）銀行處理的是單據(jù)，而不是貨物，單據(jù)與貨物分離。

3.InCreditoperationsallpartiesdealwithdocuments,andnotwithgoods,servicesorotherperformancestowhichthedocumentsmayrelate.3）銀行處理的是單據(jù)，而不是貨物，單據(jù)與貨物分離。

3.In10

4.Banksassumesnoliabilityorresponsibilityfortheform,sufficiency,accuracy,genuineness,falsificationorlegaleffectofanydocuments,orforthegeneraland/orparticularconditionsstipulatedinthedocument(s)orsuperimposedthereon;nordotheyassumeanyliabilityorresponsibilityforthedescription,quantity,weight,quality,condition,packing,delivery,valueorexistenceofthegoodsrepresentedbyanydocument(s),orforthegoodfaithoractsand/oromissions,solvency,performanceorstandingoftheconsignors,thecarriers,theforwarders,theconsigneesortheinsurersofthegoods,oranyotherpersonwhomsoever.4.Banksassumesnoliability11銀行對(duì)于任何單據(jù)的形式、完整性、準(zhǔn)確性、真?zhèn)涡曰蚍尚ЯΓ驅(qū)τ趩螕?jù)上規(guī)定的或附加的一般性及/或特殊性條件，概不負(fù)責(zé)；銀行對(duì)于任何單據(jù)中有關(guān)的貨物描述、數(shù)量、重量、質(zhì)量、狀況、包裝、交貨、價(jià)值或存在與否，對(duì)于貨物的發(fā)貨人、承運(yùn)人、運(yùn)輸行、收貨人或保險(xiǎn)人，其它任何人的誠(chéng)信、行為及/或疏忽、清償能力、執(zhí)行能力或信譽(yù)概不負(fù)責(zé)。銀行對(duì)于任何單據(jù)的形式、完整性、準(zhǔn)確性、真?zhèn)涡曰蚍尚Я?，?2

4）憑表面相符的單據(jù)付款5）對(duì)第三方的行為不負(fù)責(zé)（如票據(jù)是否遺失，貨物是否中途損失）

單據(jù)真假?4）憑表面相符的單據(jù)付款單據(jù)真假?136.1Introduction6.1.3Partiesinvolvedinadocumentarycredit信用證的當(dāng)事人一、開(kāi)證申請(qǐng)人(APPLICANT)二、開(kāi)證行(ISSUINGBANK/OPENINGBANK)三、通知行(ADVISINGBANK)四、受益人(BENEFICIARY)五、保兌行(CONFIRMINGBANK)六、議付行(NEGOTIATINGBANK)七、付款行(PAYINGBANK)八、承兌行(ACCEPTINGBANK)九、償付行(REIMBERSINGBANK)Mainparties基本當(dāng)事人指定銀行NominatedBank6.1Introduction6.1.3Parties146.1.3Partiesinvolved當(dāng)事人Applicant/importer/thebuyer開(kāi)證申請(qǐng)人Fillsoutandsignsanapplicationform,requestingthebankstoissueacreditinfavorofanexporterorselleraboard.

申請(qǐng)開(kāi)證：按合同填寫(xiě)開(kāi)證申請(qǐng)書(shū)，簽名，指定受益人契約交納押金和費(fèi)用6.1.3Partiesinvolved當(dāng)事人Appl15

問(wèn)題1進(jìn)口商是否有權(quán)拒絕贖取不合格單據(jù)？問(wèn)題2進(jìn)口商在贖單提貨之后，如發(fā)現(xiàn)貨物規(guī)格，質(zhì)量，數(shù)量等與單據(jù)不符，是否有權(quán)向開(kāi)證行追究責(zé)任和索還貨款？問(wèn)題1162.Issuing/openingbank/thebuyer’sbank開(kāi)證行

1)issuesaletterofcredit2)undertakesfullresponsibilityforpaymentagainstproperdocumentspresentedbythebeneficiary.

開(kāi)證并承擔(dān)付款責(zé)任2.Issuing/openingbank/theb17問(wèn)題1開(kāi)證行憑單付款后，進(jìn)口商無(wú)力付款，此時(shí)，開(kāi)證行向議付行追索票款，合理么？不合理！信用證開(kāi)出后，開(kāi)證行要對(duì)信用證獨(dú)立責(zé)任。不能因進(jìn)口商拒絕贖單或無(wú)力付款而向議付行，付款行，償付行或出口商追索票款。問(wèn)題1不合理！信用證開(kāi)出后，開(kāi)證行要對(duì)信用證獨(dú)立責(zé)任。18問(wèn)題2

開(kāi)證行履行付款責(zé)任后，如進(jìn)口商無(wú)力付款贖單，開(kāi)證行是否有權(quán)處理單據(jù)和貨物？問(wèn)題2開(kāi)證行履行付款責(zé)任后，如進(jìn)口商無(wú)力付款贖單，開(kāi)證行193.Advisingbank:通知行

1）ReceivetheL/C2）Informingthebeneficiarytomakepreparationforshippingthegoodsanddraftingthedocuments.

收到信用證，證明信用證的真實(shí)性，并負(fù)責(zé)通知受益人做好交單準(zhǔn)備一般為出口地銀行是否必定承擔(dān)議付責(zé)任？3.Advisingbank:通知行1）Receive204.Beneficiary/exporter/theseller

受益人

InwhosefavorthecreditisissuedL/Cbenefitstheexporterbyitsassuranceofpaymenttohim.信用證的受益人，信用證對(duì)出口方的好處是付款確定。受益人是信用證項(xiàng)下履行義務(wù)后有權(quán)得到付款得受益者。4.Beneficiary/exporter/these215.Confirmingbank:保兌行Additsundertakingtothoseoftheissuingbankandassumesliabilityunderthecredit.

是第三家銀行應(yīng)開(kāi)證行得要求在不可撤銷的信用證上加上保兌，對(duì)所保兌的信用證項(xiàng)下匯票和單據(jù)承擔(dān)不可撤銷的付款責(zé)任。5.Confirmingbank:保兌行Addit226.Negotiatingbank:議付行

PurchasesthedocumentsunderthecreditSentthedraftsanddocumentstotheissuingbankforreimbursement.

買單，寄單索償Recourse?6.Negotiatingbank:議付行Purch23BeneficiaryNegotiatingbank1.Documents2.paythevalueandget

therightofthedocumentarybillNegotiatingbankistheholderinduecoursepayeeendorseeBeneficiaryNegotiatingbank1.D24

議付行對(duì)信用證下匯票議付后，即成為該匯票的正當(dāng)持票人。因此，不論開(kāi)證行因何種原因不付款或倒閉時(shí)，議付行都有權(quán)向受益人追索。議付行對(duì)信用證下匯票議付后，即成為該匯票的正當(dāng)持票人257.Payingbank/draweebank付款行

Authorizedbytheissuingbanktopaythebeneficiaryaccordingtothetermsandconditionsofthecredit.

開(kāi)證行在信用證中規(guī)定的匯票付款人7.Payingbank/draweebank付款行267.Payingbank付款行Abankwhoisauthorizedbytheissuingbanktopaythebeneficiaryaccordingtothetermsandconditionsofthecredit.sightpayingbankAdvisingBankdeferredpayingbankThisbankisthedraweebank,whenissuingbankdishonorthedocuments,ithasnorightofrecoursetothebeneficiary.7.Payingbank付款行Abankwhoi278.Acceptingbank:承兌行

Thebankacceptingthedraftsunderthecredit.對(duì)受益人簽發(fā)的遠(yuǎn)期匯票予以承兌，并到期付款的銀行。8.Acceptingbank:承兌行Theban288.Acceptingbank承兌行Ausancecreditnominatesabanktoaccepttheusancebill,thisbankistheacceptingbankunderthecredit.Thisbankisthedraweebank,whenissuingbankdishonorthedocuments,ithasnorightofrecoursetothebeneficiary.8.Acceptingbank承兌行Ausance299.Reimbursingbank償付行Thisbankhasnoobligationtocheckthedocuments.Abankfromwhichthenominatedpayingbankoranynegotiatingbankthathasmadeapaymentunderthecreditmayobtainreimbursement.

9.Reimbursingbank償付行Thisban30ApplicantIssuingbankBeneficiaryConfirmingbankReimbursingbankAccepting/PayingbankNegotiatingbankAdvisingbankApplicantIssuingBeneficiaryC316.2.4Typesofletterofcredit

RevocableL/C

可撤銷的信用證

DocumentaryL/CconfirmedL/C保兌unconfirmedL/C不保兌跟單信用證

IrrevocableL/Csightpayment即期付款不可撤銷的信用證deferredpayment延期付款L/Cacceptancecredit承兌

negotiationcredit議付

CleanL/C光票信用證

6.2.4Typesofletterofcredit32一、跟單信用證(DocumentaryLetterofCredit)

跟單信用證是開(kāi)證行憑跟單匯票匯票+單據(jù)或僅憑單據(jù)付款的信用證。單據(jù)

二、光票信用證

(CleanLetterofCredit)

光票信用證是指開(kāi)證行僅憑受益人匯票開(kāi)具的匯票而付款的信用證。

一、跟單信用證33AccordingtowhetheritcanberevokedornotIrrevocablecredit（不可撤銷信用證）Revocablecredit（可撤銷信用證）其實(shí)就是按照開(kāi)證行責(zé)任的大小來(lái)分類Accordingtowhetheritcanbe34RevocableCredit可撤銷的信用證1）Definition定義ArevocableCreditmaybeamendedorcancelledorrevokedbytheIssuingBankwithouttheBeneficiary’sconsentandevenwithoutpriornoticetotheBeneficiaryuptothemomentofpaymentbythebankatwhichtheIssuingBankhasmadethedocumentarycreditavailable.RevocableCredit可撤銷的信用證1）Def35

可撤銷的信用證可以修改,撤回或注銷,無(wú)需經(jīng)受益人同意,甚至不必事先通知受益人,直到開(kāi)證行的授權(quán)指定銀行對(duì)信用證付款或承兌.可撤銷信用證中，開(kāi)證行是否因?yàn)榭蓡畏矫娉蜂N和修改信用證，所以其無(wú)須承擔(dān)信用證中的任何責(zé)任？可撤銷的信用證可以修改,撤回或注銷,無(wú)需經(jīng)受益人同意36問(wèn)題：可撤銷信用證中議付行于３月５日審單相符后議付票款給受益人，３月７日開(kāi)證行向議付行發(fā)出撤銷信用證的通知，此時(shí)開(kāi)證行還需要向議付行償付票款嗎？問(wèn)題：37UCP600Article8B然而，開(kāi)證行必須：i.對(duì)辦理可撤銷信用證下即期付款、承兌或議付的另一家銀行，在其收到修改或撤銷通知之前已憑表面相符的單據(jù)作出的任何付款、承兌或議付，予以償付。ii.對(duì)辦理可撤銷信用證項(xiàng)下延期付款的另一家銀行，在其收到修改或撤銷通知之前已接受表面相符的單據(jù)，予以償付。UCP600Article8B然而，開(kāi)證行必須：38Thiscreditissubjecttoamendmentorcancellationatanytimewithoutpriornoticetothebeneficiary.

２）UndertakingClause此信用證可以隨時(shí)修改或撤銷,無(wú)需事先告知受益人Thiscreditissubjecttoamen39IrrevocableCredit

不可撤銷的信用證１）Definition:DefiniteUndertakingofPayment+Irrevocability

確定的付款承諾和不可撤銷性IrrevocableCredit

不可撤銷的信用證１）40

definiteundertakingofpayment

AnirrevocabledocumentaryL/Cconstitutesadefiniteundertakingoftheissuingbank,providedthatthestipulateddocuments

arepresentedtothenominatedbankortotheissuingbankandthatthetermsandconditionsofthecreditarecompliedwith,topay,acceptdraftand/ordocumentspresentedunderthedocumentarycredit(ICCPublicationNo.515)definiteundertakingofpay41

構(gòu)成開(kāi)證行確定付款承諾的前提是：受益人將規(guī)定的單據(jù)提交給指定銀行或開(kāi)證行，并符合信用證的條款和條件。構(gòu)成開(kāi)證行確定付款承諾的前提是：42IrrevocabilityAnIrrevocableCreditcanneitherbeamendednorcancelledwithouttheagreementoftheIssuingBank,theConfirmingBank,ifany,andtheBeneficiary.（UCP600Article9）不可撤銷信用證的本質(zhì)IrrevocabilityAnIrrevocab43不可撤銷的信用證未經(jīng)開(kāi)證行,保兌行(如果有保兌行的話)和受益人的明確同意,該證既不能修改,也不能撤銷,這就是不可撤銷信用證的本質(zhì).不可撤銷的信用證未經(jīng)開(kāi)證行,保兌行(如果有保兌行的話)和受益44AccordingtotheaddingofconfirmationIrrevocableConfirmedCredit(不可撤銷保兌信用證）IrrevocableUnconfirmedCredit（不可撤銷不保兌信用證）Accordingtotheaddingofcon45ConfirmedCredit1)DefinitionACreditthatcarriesthecommitmenttopaybyboththeissuingbankandtheadvisingbank.Itgivesthebeneficiaryadoubleassuranceofpayment.雙重的付款保證

是不是每張信用證都需要保兌?P117ConfirmedCredit1)Definition46

ItconstitutesadefiniteundertakingoftheConfirmingBank,inadditiontothatoftheIssuingBank,providedthatthestipulateddocumentsarepresentedtotheConfirmingBankortoanyotherNominatedBankandthatthetermsandconditionsoftheCreditarecompliedwith,topay,toacceptdraft(s)ortonegotiate.

只要受益人將規(guī)定的單據(jù)提交保兌行或另一家指定銀行并符合信用證的條款和條件,即構(gòu)成了保兌行在開(kāi)證行以外的確定的付款承諾.

Itconstitutesadefi472、Instruction

１）開(kāi)證行在信用證中寫(xiě)明：口ADDINGYOURCONFIRMATION口WITHOUTADDINGYOURCONFIRMATION口IFREQUESTEDBYTHEBENEFICIARY,ADDINGYOURCONFIRMATION.２）通知行在通知面函中寫(xiě)明：THISCREDITISCONFIRMEDBYUS.

×WEHERRBYADDEDOURCONFIRMATIONTOTHISCREDIT.2、Instruction１）開(kāi)證行在信用證中寫(xiě)明：２）通48１、為什么在可撤銷的信用證中無(wú)保兌的做法呢？２、開(kāi)證行在信用證上寫(xiě)明“我行已保兌了該證”，這張信用證是不是一張保兌信用證？

問(wèn)題,

3.保兌行是否有追索權(quán)?１、為什么在可撤銷的信用證中無(wú)保兌的做法呢？問(wèn)49

交易路徑：

正規(guī)做法使指定銀行寄單給保兌行索償,保兌行審單相符予以償付,再寄單給開(kāi)證行索償,開(kāi)證行審單相符,予以償付再交單給申請(qǐng)人向其索償.交易路徑：502.UnconfirmedCredit

開(kāi)證行的不可撤銷跟單信用證被一家通知行予以通知,此時(shí),信用證項(xiàng)下的通知行作為開(kāi)證行的代理人,除了合理審慎地核驗(yàn)所通知信用證的表面真實(shí)性,對(duì)受益人不承擔(dān)任何責(zé)任.2.UnconfirmedCredit開(kāi)證行的不可撤銷51LetterofCredit

信用證

ChapterSixLetterofCredit

信用證

Chapter52aletterofcreditInsimpleterms,aletterofcreditisaconditionalbankundertakingofpayment.Guaranteedbybank’screditworthiness以銀行信譽(yù)擔(dān)保受益人在規(guī)定的時(shí)間內(nèi)提交規(guī)定的單據(jù)必須符合信用證條款。aletterofcreditInsimplete53申請(qǐng)人進(jìn)口商開(kāi)證行議付行通知行受益人出口商貨物資金申請(qǐng)開(kāi)證通知交單議付寄單償付通知贖單付款贖單審單審證信用證與一般的擔(dān)保業(yè)務(wù)是否相同？申請(qǐng)人開(kāi)證行議付行受益人貨物資金申請(qǐng)開(kāi)證通知交單議付546.1.2Characteristics特點(diǎn)1)當(dāng)單證相符時(shí)，獨(dú)立履行付款承諾，不受當(dāng)事人干擾第一性的付款責(zé)任6.1.2Characteristics特點(diǎn)1)當(dāng)單證相551.Theissuingbankundertakestoeffectpayment,quiteindependentofwhethertheapplicantisbankruptorisindefaultornot,providedthedocumentspresentedareincompliancewiththetermsandconditionsofthecredit.1.Theissuingbankundertakes561.Theissuingbankassumetheprimarilyliabilityofpayments.drawee：bankIssuingbankNominatedbankCantheapplicantBethedrawee?1.Theissuingbankassumethe57AcreditshouldnotbeissuedavailablebyDraft(s)ontheApplicant.IftheCreditneverthelesscallsforDraft(s)ontheApplicant,bankswillconsidersuchDraft(s)asanadditionaldocument(s).開(kāi)立信用證時(shí)，不應(yīng)以申請(qǐng)人作為匯票付款人。如信用證仍規(guī)定匯票付款人為申請(qǐng)人，銀行將視此匯票為附加的單據(jù)。Acreditshouldnotbeissued58

2）信用證是獨(dú)立文件，與銷售合同分離

2.Aletterofcreditstandsindependentofthesalescontract.

2）信用證是獨(dú)立文件，與銷售合同分離

2.Alette59salescontract─>applicationform──>credit

２.Salescontract=Credit（？）TherelationshipamongContract,applicationformandcredit.Anissuingbankstates“thedocumentsarenotcompliedwiththesalecontract”,canthisbeaduecoursetodishonorthebillbytheissuingbank?importerexporterimporterissuingbankissuingbankallpartiestocreditsalescontract─>applicationfo603）銀行處理的是單據(jù)，而不是貨物，單據(jù)與貨物分離。

3.InCreditoperationsallpartiesdealwithdocuments,andnotwithgoods,servicesorotherperformancestowhichthedocumentsmayrelate.3）銀行處理的是單據(jù)，而不是貨物，單據(jù)與貨物分離。

3.In61

4.Banksassumesnoliabilityorresponsibilityfortheform,sufficiency,accuracy,genuineness,falsificationorlegaleffectofanydocuments,orforthegeneraland/orparticularconditionsstipulatedinthedocument(s)orsuperimposedthereon;nordotheyassumeanyliabilityorresponsibilityforthedescription,quantity,weight,quality,condition,packing,delivery,valueorexistenceofthegoodsrepresentedbyanydocument(s),orforthegoodfaithoractsand/oromissions,solvency,performanceorstandingoftheconsignors,thecarriers,theforwarders,theconsigneesortheinsurersofthegoods,oranyotherpersonwhomsoever.4.Banksassumesnoliability62銀行對(duì)于任何單據(jù)的形式、完整性、準(zhǔn)確性、真?zhèn)涡曰蚍尚ЯΓ驅(qū)τ趩螕?jù)上規(guī)定的或附加的一般性及/或特殊性條件，概不負(fù)責(zé)；銀行對(duì)于任何單據(jù)中有關(guān)的貨物描述、數(shù)量、重量、質(zhì)量、狀況、包裝、交貨、價(jià)值或存在與否，對(duì)于貨物的發(fā)貨人、承運(yùn)人、運(yùn)輸行、收貨人或保險(xiǎn)人，其它任何人的誠(chéng)信、行為及/或疏忽、清償能力、執(zhí)行能力或信譽(yù)概不負(fù)責(zé)。銀行對(duì)于任何單據(jù)的形式、完整性、準(zhǔn)確性、真?zhèn)涡曰蚍尚Я?，?3

4）憑表面相符的單據(jù)付款5）對(duì)第三方的行為不負(fù)責(zé)（如票據(jù)是否遺失，貨物是否中途損失）

單據(jù)真假?4）憑表面相符的單據(jù)付款單據(jù)真假?646.1Introduction6.1.3Partiesinvolvedinadocumentarycredit信用證的當(dāng)事人一、開(kāi)證申請(qǐng)人(APPLICANT)二、開(kāi)證行(ISSUINGBANK/OPENINGBANK)三、通知行(ADVISINGBANK)四、受益人(BENEFICIARY)五、保兌行(CONFIRMINGBANK)六、議付行(NEGOTIATINGBANK)七、付款行(PAYINGBANK)八、承兌行(ACCEPTINGBANK)九、償付行(REIMBERSINGBANK)Mainparties基本當(dāng)事人指定銀行NominatedBank6.1Introduction6.1.3Parties656.1.3Partiesinvolved當(dāng)事人Applicant/importer/thebuyer開(kāi)證申請(qǐng)人Fillsoutandsignsanapplicationform,requestingthebankstoissueacreditinfavorofanexporterorselleraboard.

申請(qǐng)開(kāi)證：按合同填寫(xiě)開(kāi)證申請(qǐng)書(shū)，簽名，指定受益人契約交納押金和費(fèi)用6.1.3Partiesinvolved當(dāng)事人Appl66

問(wèn)題1進(jìn)口商是否有權(quán)拒絕贖取不合格單據(jù)？問(wèn)題2進(jìn)口商在贖單提貨之后，如發(fā)現(xiàn)貨物規(guī)格，質(zhì)量，數(shù)量等與單據(jù)不符，是否有權(quán)向開(kāi)證行追究責(zé)任和索還貨款？問(wèn)題1672.Issuing/openingbank/thebuyer’sbank開(kāi)證行

1)issuesaletterofcredit2)undertakesfullresponsibilityforpaymentagainstproperdocumentspresentedbythebeneficiary.

開(kāi)證并承擔(dān)付款責(zé)任2.Issuing/openingbank/theb68問(wèn)題1開(kāi)證行憑單付款后，進(jìn)口商無(wú)力付款，此時(shí)，開(kāi)證行向議付行追索票款，合理么？不合理！信用證開(kāi)出后，開(kāi)證行要對(duì)信用證獨(dú)立責(zé)任。不能因進(jìn)口商拒絕贖單或無(wú)力付款而向議付行，付款行，償付行或出口商追索票款。問(wèn)題1不合理！信用證開(kāi)出后，開(kāi)證行要對(duì)信用證獨(dú)立責(zé)任。69問(wèn)題2

開(kāi)證行履行付款責(zé)任后，如進(jìn)口商無(wú)力付款贖單，開(kāi)證行是否有權(quán)處理單據(jù)和貨物？問(wèn)題2開(kāi)證行履行付款責(zé)任后，如進(jìn)口商無(wú)力付款贖單，開(kāi)證行703.Advisingbank:通知行

1）ReceivetheL/C2）Informingthebeneficiarytomakepreparationforshippingthegoodsanddraftingthedocuments.

收到信用證，證明信用證的真實(shí)性，并負(fù)責(zé)通知受益人做好交單準(zhǔn)備一般為出口地銀行是否必定承擔(dān)議付責(zé)任？3.Advisingbank:通知行1）Receive714.Beneficiary/exporter/theseller

受益人

InwhosefavorthecreditisissuedL/Cbenefitstheexporterbyitsassuranceofpaymenttohim.信用證的受益人，信用證對(duì)出口方的好處是付款確定。受益人是信用證項(xiàng)下履行義務(wù)后有權(quán)得到付款得受益者。4.Beneficiary/exporter/these725.Confirmingbank:保兌行Additsundertakingtothoseoftheissuingbankandassumesliabilityunderthecredit.

是第三家銀行應(yīng)開(kāi)證行得要求在不可撤銷的信用證上加上保兌，對(duì)所保兌的信用證項(xiàng)下匯票和單據(jù)承擔(dān)不可撤銷的付款責(zé)任。5.Confirmingbank:保兌行Addit736.Negotiatingbank:議付行

PurchasesthedocumentsunderthecreditSentthedraftsanddocumentstotheissuingbankforreimbursement.

買單，寄單索償Recourse?6.Negotiatingbank:議付行Purch74BeneficiaryNegotiatingbank1.Documents2.paythevalueandget

therightofthedocumentarybillNegotiatingbankistheholderinduecoursepayeeendorseeBeneficiaryNegotiatingbank1.D75

議付行對(duì)信用證下匯票議付后，即成為該匯票的正當(dāng)持票人。因此，不論開(kāi)證行因何種原因不付款或倒閉時(shí)，議付行都有權(quán)向受益人追索。議付行對(duì)信用證下匯票議付后，即成為該匯票的正當(dāng)持票人767.Payingbank/draweebank付款行

Authorizedbytheissuingbanktopaythebeneficiaryaccordingtothetermsandconditionsofthecredit.

開(kāi)證行在信用證中規(guī)定的匯票付款人7.Payingbank/draweebank付款行777.Payingbank付款行Abankwhoisauthorizedbytheissuingbanktopaythebeneficiaryaccordingtothetermsandconditionsofthecredit.sightpayingbankAdvisingBankdeferredpayingbankThisbankisthedraweebank,whenissuingbankdishonorthedocuments,ithasnorightofrecoursetothebeneficiary.7.Payingbank付款行Abankwhoi788.Acceptingbank:承兌行

Thebankacceptingthedraftsunderthecredit.對(duì)受益人簽發(fā)的遠(yuǎn)期匯票予以承兌，并到期付款的銀行。8.Acceptingbank:承兌行Theban798.Acceptingbank承兌行Ausancecreditnominatesabanktoaccepttheusancebill,thisbankistheacceptingbankunderthecredit.Thisbankisthedraweebank,whenissuingbankdishonorthedocuments,ithasnorightofrecoursetothebeneficiary.8.Acceptingbank承兌行Ausance809.Reimbursingbank償付行Thisbankhasnoobligationtocheckthedocuments.Abankfromwhichthenominatedpayingbankoranynegotiatingbankthathasmadeapaymentunderthecreditmayobtainreimbursement.

9.Reimbursingbank償付行Thisban81ApplicantIssuingbankBeneficiaryConfirmingbankReimbursingbankAccepting/PayingbankNegotiatingbankAdvisingbankApplicantIssuingBeneficiaryC826.2.4Typesofletterofcredit

RevocableL/C

可撤銷的信用證

DocumentaryL/CconfirmedL/C保兌unconfirmedL/C不保兌跟單信用證

IrrevocableL/Csightpayment即期付款不可撤銷的信用證deferredpayment延期付款L/Cacceptancecredit承兌

negotiationcredit議付

CleanL/C光票信用證

6.2.4Typesofletterofcredit83一、跟單信用證(DocumentaryLetterofCredit)

跟單信用證是開(kāi)證行憑跟單匯票匯票+單據(jù)或僅憑單據(jù)付款的信用證。單據(jù)

二、光票信用證

(CleanLetterofCredit)

光票信用證是指開(kāi)證行僅憑受益人匯票開(kāi)具的匯票而付款的信用證。

一、跟單信用證84AccordingtowhetheritcanberevokedornotIrrevocablecredit（不可撤銷信用證）Revocablecredit（可撤銷信用證）其實(shí)就是按照開(kāi)證行責(zé)任的大小來(lái)分類Accordingtowhetheritcanbe85RevocableCredit可撤銷的信用證1）Definition定義ArevocableCreditmaybeamendedorcancelledorrevokedbytheIssuingBankwithouttheBeneficiary’sconsentandevenwithoutpriornoticetotheBeneficiaryuptothemomentofpaymentbythebankatwhichtheIssuingBankhasmadethedocumentarycreditavailable.RevocableCredit可撤銷的信用證1）Def86

可撤銷的信用證可以修改,撤回或注銷,無(wú)需經(jīng)受益人同意,甚至不必事先通知受益人,直到開(kāi)證行的授權(quán)指定銀行對(duì)信用證付款或承兌.可撤銷信用證中，開(kāi)證行是否因?yàn)榭蓡畏矫娉蜂N和修改信用證，所以其無(wú)須承擔(dān)信用證中的任何責(zé)任？可撤銷的信用證可以修改,撤回或注銷,無(wú)需經(jīng)受益人同意87問(wèn)題：可撤銷信用證中議付行于３月５日審單相符后議付票款給受益人，３月７日開(kāi)證行向議付行發(fā)出撤銷信用證的通知，此時(shí)開(kāi)證行還需要向議付行償付票款嗎？問(wèn)題：88UCP600Article8B然而，開(kāi)證行必須：i.對(duì)辦理可撤銷信用證下即期付款、承兌或議付的另一家銀行，在其收到修改或撤銷通知之前已憑表面相符的單據(jù)作出的任何付款、承兌或議付，予以償付。ii.對(duì)辦理可撤銷信用證項(xiàng)下延期付款的另一家銀行，在其收到修改或撤銷通知之前已接受表面相符的單據(jù)，予以償付。UCP600Article8B然而，開(kāi)證行必須：89Thiscreditissubjecttoamendmentorcancellationatanytimewithoutpriornoticetothebeneficiary.

２）UndertakingClause此信用證可以隨時(shí)修改或撤銷,無(wú)需事先告知受益人Thiscreditissubjecttoamen90IrrevocableCredit

不可撤銷的信用證１）Definition:DefiniteUndertakingofPayment+Irrevocability

確定的付款承諾和不可撤銷性IrrevocableCredit

不可撤銷的信用證１）91

definiteundertakingofpayment