国际结算chapter6-LCPractice

1ChapterSixL/CPractice2L/CPracticeProcedureofcreditCreditasameansoffinanceRiskprotection3ProcedureofcreditStage1:Application申请开证theapplicantfillsoutanapplicationformaccordingtosalescontractRulestofollowI.BeclearandconciseII.Refertodocumentsonly单据化Ifacreditcontainsaconditionwithoutstipulatingthedocumenttoindicatecompliancewiththecondition,bankswilldeemsuchconditionasnotstatedandwilldisregardit.----Article14,UCP6004【思考】：在CIF合同中，进口商为了减少货物运输中的风险，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.Thecarryingsteamerisnotover15yearsofage.B.Acertificatestatingthatthecarryingsteamerisnotover15yearsofage.C.Acertificateissuedbytheshippingcompany/carrierortheiragentstatingthatthecarryingsteamerisnotover15yearsofage.5ProcedureofcreditStage2:Issuance开立信用证•Makingchecksonthecreditstandingoftheapplicant•Reviewingthedocumentarycreditapplication•Completionofthestandarddocumentaryissuanceform•Transmittingthedocumentarycredit6ProcedureofcreditStage3：Advising通知信用证•Byadvisingthecreditoramendment,theadvisingbanksignifiesthatithassatisfieditselfastotheapparentauthenticityofthecreditoramendmentandthattheadviceaccuratelyreflectsthetermsandconditionsofthecreditoramendmentreceived.•Ifabankisrequestedtoadviseacreditoramendmentbutelectsnottodoso,itmustsoinform,withoutdelay,thebankfromwhichthecredit,amendmentoradvicehasbeenreceived.7Procedureofcredit•Ifabankisrequestedtoadviseacreditoramendmentbutcannotsatisfyitselfastotheapparentauthenticityofthecredit,theamendmentortheadvice,itmustsoinform,withoutdelay,thebankfromwhichtheinstructionsappeartohavebeenreceived.Iftheadvisingbankorsecondadvisingbankelectsnonethelesstoadvisethecreditoramendment,itmustinformthebeneficiaryorsecondadvisingbankthatithasnotbeenabletosatisfyitselfastotheapparentauthenticityofthecredit,theamendmentortheadvice.•Confirming:Iftheadvisingbankisrequestedtoadditsconfirmationtoacredit,itcanelecttodosoornot.8ProcedureofcreditStage4：Checking出口商审证•Thebeneficiarymustexaminethecreditcarefullytoseeifthetermsandconditionsreflecttheagreementofthebuyerandthesellerandcanbemetwithinthetimelimitstipulated.•Ifthereisanythinghedisagreeswith,hemustcontacttheapplicantandtheissuingbankforamendment.9Procedureofcredit【Case6-1】哈尔滨市某进出口公司接到的信用证装运港规定为“Yourport”，该公司在大连港装运货物后，被对方拒付货款。因受益人的地点在哈尔滨，未在哈尔滨市装运而在大连港装运，不符合信用证要求。但哈尔滨市内没有港口，只能在大连或其他港口装运。问题是开证人弄错了，但受益人审证时未加注意，没有要求改证。10【CASE6-2】浙江某公司收到中信实业银行通知的意大利某银行开立的信用证一份。按照要求发货之后提交全套单据到中信银行议付，银行议付之后向开证行寄单索偿。但开证行提出拒付，不符点为：THENAMEOFTHEBENEFICIARYISDIFFERENTFROML/C.（受益人的名称与信用证不相符）。中信银行收到不符点电文以后，对单据卷宗进行了检查，发现信用证上受益人名称为NingboHuaduTextilesInternationalTradeCorp.。但受益人提交的单据上显示受益人名称为：NingboHuaduTextileInternationalTradeCorp.11【CASE6-3】我国甲公司与法国乙公司签订合同出口货物到法国，采用信用证方式结算货款。乙公司按期通过其开证银行开立了信用证，由中国银行江苏省分行进行通知。信用证规定：“DATEANDPLACEOFEXPIRY：091105FRANCE；AVAILABLEWITHANYBANKBYNEGOTIATION；LATESTDATEOFSHIPMENT：091102；PRESENTATIONPERIOD：WITHIN15DAYSAFTERTHEDATEOFSHIPMENT”。甲公司于2009年11月1日将货物装船，并于2009年11月5日将信用证要求的全套单据提交中国银行江苏省分行，中国银行江苏省分行立刻于当日使用快邮将单据寄往法国的开证行。收到单据后，开证银行以“信用证已过期”为由拒付。12【CASE6-4】M公司向国外A公司出口一批货物，国外开来LC规定：“Expirydateandplace:15thMarch,1996,inChina.Shipmentlatestdate:29thFebruary,1996.Onecompletesetofdocumentsistobeforwardedbyairmailandtheremainingdocumentsbyfollowingairmailtous.Alldocumentsmustreachuswithin21daysafterthedateofshipment.”M公司1996年2月13日装运完毕，并且取得签发的提单，因为2月19日系我国传统春节，单证人员于节后立即制单，25日向议付行交单议付，议付行即向国外开证行寄单。国外开证行却于3月7日提出单证不符：我行于3月6日才收到你方单据，该货物于2月13日装运，2月13日距3月6日超过21天交单，（当年2月有29天），所以不符合信用证要求，单据暂代保管，速告单据处理意见。13【CASE6-5】2011年10月5日，某银行开出一张信用证，开证申请人为曼哈顿贸易发展公司，以武汉某外贸公司为受益人，信用证对有关商品条款规定：“50M/Tonofbeehoney.Moisture:18%~22%.Variety:Acacia.Packing:Intinsof25kgsneteach;2tinstoawoodencase.”合同规定用“woodencrate”（木条箱）装，实货也是木条箱包装。武汉某外贸公司按照合同规定发货，制单后连同其他单据，送交开证行。开证行审单时，发现包装上的不符点，拒不付款。14ProcedureofcreditStage5:Amendment信用证的修改•Procedure(1)Thebeneficiaryrequeststhattheapplicantmakeanamendmenttothecredit.(2)Theapplicantfillsthecreditamendmentformandrequeststheissuingbanktoissuetheamendment.15Procedureofcredit(3)Theissuingbankamendsthecreditandnotifiestheadvisingbankoftheamendment.Abankutilizingtheservicesofanadvisingbankorsecondadvisingbanktoadviseacreditmustusethesamebanktoadviseanyamendmentthereto.---Article9,UCP600(4)Theadvisingbanknotifiesthebeneficiaryoftheamendment.•Sometimesthebuyerorhisbankmayalsowanttoamendsomeofthetermsandconditionsofthecredit.16Procedureofcredit•Rulestofollow(1)Acreditcan’tbeamendedwithouttheagreementoftheissuingbank,theconfirmingbank,ifany,andthebeneficiary.(2)Aconfirmingbankmayextenditsconfirmationtoanamendmentandwillbeirrevocablyboundasofthetimeitadvisestheamendment.Aconfirmingbankmay,however,choosetoadviseanamendmentwithoutextendingitsconfirmationand,ifso,itmustinformtheissuingbankwithoutdelayandinformthebeneficiaryinitsadvice.17Procedureofcredit(3)Thetermsandconditionsoftheoriginalcredit(oracreditincorporatingpreviouslyacceptedamendments)willremaininforceforthebeneficiaryuntilthebeneficiarycommunicatesitsacceptanceoftheamendmenttothebankthatadvisedsuchamendment.Thebeneficiaryshouldgivenotificationofacceptanceorrejectionofanamendment.Ifthebeneficiaryfailstogives