Letter of Credit II

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letter of credit翻译

letter of credit翻译
信用证（letter of credit）是指由买方的银行以买方的名义，向卖
方的银行发出的一种有关国际贸易的支付方式。

它的原则是：买方的银行
承诺支付给卖方指定金额的钱，只要卖方能够提供指定的货品或服务证明，并满足其他条款。

信用证的出现有助于加强买卖双方的信任，确保交易的
安全性。

信用证是保证国际贸易支付的重要手段。

买卖双方中，买方希望确认
购买的货物是否满足约定标准，也希望卖方能够按时到货；而卖方希望保
证货款的安全，也希望能够与买方建立更长久的合作关系。

信用证能够双
方都满足其所需。

一般地，一个信用证包含了四方的信息，即卖方和买方，以及卖方和
买方的银行。

在贸易过程中，卖方向买方发货的时候，卖方的银行必须先
获得买方银行的确认，买方的银行才会向卖方支付货款。

卖方银行开出的
信用证是对卖方的一种担保，如果买方的银行没有严格按照信用证的条款
支付，卖方的银行有权要求买方支付损失。

所以，信用证是保障国际贸易
交易安全及双方利益的重要保证措施。

5--06. Letter of credit(1,2,3)

Letter of Credit
1. Definition ( Textbook P19 )
2. Characteristics
1). banker’s credit; not commercial credit
2). Independent of the sale’s contract
3). Deal with the documents 3. Advantages and disadvantages
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10. Explanations on the details
1). Allowances in Credit Amount, Quantity, price ( “about” , “approximately”, “circa”)
（10%, 5％ or 3%）
2). Partial shipment
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4. Parties
( Textbook 1) Applicant 3) Issuing bank 5) Negotiating bank 7) Confirming bank 9) Accepting bank
2
P 19,20 )
2) Beneficiary 4) Advising bank 6) Paying bank 8) Reimbursing bank
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3). Expiry date; Place for presentation of Documents ( within 15 \ 21 days after shipment) 4). Dates for Shipment ( To, Until, From －－包括所述日期 ) ( first half ( second half ------1-15 ) 16-end )

信用证(LC)知识

信用证与货物
LC and underlying goods
信用证的欺诈例外原则
Fraud exception principal of LC business
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信用证 Letter of Credit 5
信用证业务的特点 Features of LC Business
可以利用出口信用证业务进行的融资 Finance base on Export LC business
销售合同 Sales Contract 信用证及申请 LC and LC Application
单据 LC Documents 付款 Payment
4
ቤተ መጻሕፍቲ ባይዱ
信用证 Letter of Credit 2
信用证业务的流程 Workflow of LC
信用证流程 – 完整版 Workflow of LC - Detailed
Beneficiary: the party in whose favor a credit is issued.
开证行: 指应申请人要求或者代表自己开出信用证的银行。
Issuing bank: the bank that issues a credit at the request of an applicant or on its own behalf.
Remarks: The contents in this document is only for internal reference, please refer to international rules and standard banking practice in actual business operations. If necessary, suggest to consult your correspondent bank for advice.

letter of credit 信用证知识

信用证的种类(112)
•
信用证一般包括可撤销信用证、不可撤销信用证、信用证一般包括可撤销信用证、不可撤销信用证、保兑信用证、非保兑信用证、即期信用证、保兑信用证、非保兑信用证、即期信用证、远期信用证、循环信用证、红条款”信用证、用证、循环信用证、“红条款”信用证、可转让信用证、对开信用证、备用信用证等等。用证、对开信用证、备用信用证等等。
一、可撤销信用证和不可撤销信用证
根据开证行对所开出的信用证所负的责任来区分，区分，信用证分为可撤销信用证和不可撤销信用证。信用证。 1 不可撤消的信用证(Irrevocable L/C) 不可撤消的信用证(Irrevocable 不可撤消的信用证一经开出,在有效期内, 不可撤消的信用证一经开出,在有效期内,未经受益人及有关当事人的同意, 经受益人及有关当事人的同意,开证行不得片面修改和撤消. 面修改和撤消.只要受益人提交了符合信用证条款的单据.开证行就必须履行付款的义务. 条款的单据.开证行就必须履行付款的义务.
8、开证行与保兑行的关系、
根据代理合同的规定所确定。根据代理合同的规定所确定。
9、保兑行与受益人的关系、
保兑行对受益人承担独立的义务，没有追索权。保兑行对受益人承担独立的义务，没有追索权。
10、议付行与受益人的关系、
议付行对受益人并不承担必须议付的义务，议付行对受益人并不承担必须议付的义务，议付后有追索权。追索权。
信用证业务的一般程序
开证申请人 1 受益人
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2
4
5
3 付款行开证行 6 7 通知行议付行
信用证程序示意图的说明
①合同规定支付方式为信用证 ②进口人根据合同内容向当地某一银行申请开证并填写开证申请书 ③开证行开出信用证并寄交通知行 ④通知行核对印鉴后交给出口人出口人按信用证装船、 ⑤出口人按信用证装船、制做单据送交议付行议付 ⑥议付行审单后按汇票金额扣除利息垫付货款给出口人并将汇票单据寄开证行或付款行 ⑦开证行或付款行审单后付款给议付行 ⑧开证行通知进口人付款进口人付款赎单

信用证letter of credit

什么是信用证信用证(Letter of Credit，L／C) ，是指开证银行应申请人的要求并按其指示向第三方开立的载有一定金额的，在一定的期限内凭符合规定的单据付款的书面保证文件。

信用证是目前国际贸易中最主要、最常用的支付方式。

信用证中英文样本及说明: /forexers_fin/20080405/letter credit.html商务印书馆《英汉证券投资词典》解释：信用证英语为：letter of credit。

缩写为：l/c或LOC。

①在债券发行过程中，由银行发出的一种承诺，保证债务人到时按期还本付息。

如果债券发行人不能履行还款义务，开具信用证的银行则将履行还款义务。

②在国际贸易中，进口方银行向出口方银行开具的保证支付文件，承诺当货物到达进口方或出口方发出货物时向出口银行支付款项。

信用证的主要当事人及其权利与义务(1)开证申请人(applicant)。

向银行申请开立信用证的人,在信用证中又称开证人(o pener)。

义务：根据合同开证；向银行交付比例押金；及时付款赎单权利：验、退赎单；验、退货（均以信用证为依据）说明：开证申请书有两部分即对开证行的开证申请和对开证行的声明和保证（申明赎单付款前货物所有权归银行；开证行及其代理行只付单据表面是否合格之责；开证行对单据传递中的差错不负责；对“不可抗力”不负责；保证到期付款赎单；保证支付各项费用；开证行有权随时追加押金；有权决定货物代办保险和增加保险级别而费用由开证申请人负担。

(2)开证行(opening／issuing bank)。

接受开证申请人的委托开立信用证的银行，它承担保证付款的责任。

义务：正确、及时开证；承担第一性付款责任权利：收取手续费和押金；拒绝受益人或议付行的不符单据；付款后如开证申请人无力付款赎单时可处理单、货；货不足款可向开证申请人追索余额。

(3)通知行(advising/notifying bank)。

指受开证行的委托，将信用证转交出口人的银行，它只证明信用证的真实性，不承担其他义务，是出口地所在银行。

LETTER OF CREDIT信用证

信用证的类型
• • • • • • • • Irrevocable L/C 不可撤消的信用证 revocable L/C 可撤消的信用证 confirmed L/C 保兑的信用证 transferable L/C 可转让的信用证
• • • • • • • • • •
sight L/C 即期的信用证 usance L/C 远期的信用证 revolving L/C 可循环的信用证 back to back L/C 对背信用证 reciprocal L/C 对开信用证
Transferable可转让
- this credit is totally transferable and it is transferable in Singapore only. - 信用证的受益人(第一受益人)可以要求授权付款、承担延期付款责任，承兑或议付的银行(统称“转让行”)，或当信用证是自由议付时，可以要求信用证中特别授权的转让银行，将信用证全部或部分转让给一个或数个受益人(第二受益人)使用的信用证。开证行在信用证中要明确注明“可转让”(Transferable)，且只能转让一次。
Deferred payment credit延期付款
Available against presentation of the following documents … but payment only at … days after presentation of documents. No bill of exchange, no possibility for discounting无需开汇票，不能贴现
• - … available by negotiation with any bank in China • - … available by negotiation with ABC Bank. • - Negotiation under this credit is confined to ABC Bank. • - All documents must be presented to ABC Bank for negotiation.

Letter of Credit 信用证

信用证信用证（Letter of Credit，L/C），是指开证银行应申请人（买方）的要求并按其指示向受益人开立的载有一定金额的、在一定的期限内凭符合规定的单据付款的书面保证文件。

信用证是国际贸易中最主要、最常用的支付方式。

三原则：严格相符、独立抽象、欺诈例外目录1 名词解释2 内容3 特点4 种类▪有据而分▪依证作用来分5 权利义务▪开证人(opener)▪受益人(beneficiary)▪开证行（opening/issuing bank）▪通知行(advising/notifying bank)▪议付银行(negotiating bank)▪付款银行(paying bank)▪保兑行(confirming bank)▪承兑行(accepting bank)▪偿付行(reimbursing bank)6 运作流程7 其他相关▪标准格式▪防范对策▪备用证▪对买家的利▪对买家的弊▪有效期8 风险▪不依合同开证▪故设障碍▪伪造证▪不易获得▪要求不一▪诈骗▪伪造保兑▪另行指示▪非证交易信用证名词解释信用证（Letter of Credit ,L/C)是指由银行（开证行）依照（申请人的）要求和指示或自己主动，在符合信用证条款的条件下，凭规定单据向第三者（受益人）或其指定方进行付款的书面文件。

即信用证是一种银行开立的有条件的承诺付款的书面文件。

以CIF价格为例在国际贸易活动，买卖双方可能互不信任，买方担心预付款后，卖方不按合同要求发货；卖方也担心在发货或提交货运单据后买方不付款。

因此需要两家银行作为买卖双方的保证人，代为收款交单，以银行信用代替商业信用。

银行在这一活动中所使用的工具就是信用证。

可见，信用证是银行有条件保证付款的证书，成为国际贸易活动中常见的结算方式。

按照这种结算方式的一般规定，买方先将货款交存银行，由银行开立信用证，通知异地卖方开户银行转告卖方，卖方按合同和信用证规定的条款发货，银行代买方付款。

Letter of Credit

Letter of creditAfter a contract is concluded between buyer and seller, buyer's bank supplies a letter of credit toseller.Seller consigns the goods to a carrier in exchangefor a bill of lading.A standard, commercial letter of credit is a document issued mostlyby a financial institution, used primarily in trade finance, which usuallyprovides an irrevocable payment undertaking.The letter of credit can also be source of payment for a transaction,meaning that redeeming the letter of credit will pay an exporter. Lettersof credit are used primarily in international trade transactions ofsignificant value, for deals between a supplier in one country and acustomer in another. They are also used in the land developmentprocess to ensure that approved public facilities (streets, sidewalks,stormwater ponds, etc.) will be built. The parties to a letter of credit areusually a beneficiary who is to receive the money, the issuing bank ofwhom the applicant is a client, and the advising bank of whom thebeneficiary is a client. Almost all letters of credit are irrevocable, i.e.,cannot be amended or cancelled without prior agreement of thebeneficiary, the issuing bank and the confirming bank, if any. Inexecuting a transaction, letters of credit incorporate functions commonto giros and Traveler's cheques. Typically, the documents a beneficiaryhas to present in order to receive payment include a commercialinvoice, bill of lading, and documents proving the shipment wasinsured against loss or damage in transit. However, the list and form ofdocuments is open to imagination and negotiation and might containrequirements to present documents issued by a neutral third partyevidencing the quality of the goods shipped, or their place of origin.TerminologyThe English name “letter of credit ” derives from the French word“accreditation ”, a power to do something, which in turn is derivative ofthe Latin word “accreditivus ”, meaning trust. The Application any defence relating to the underlying contract of sale.This is as long as the seller performs their duties to an extent that meets the requirements contained in the letter of credit.How it worksA business called the InCosmetika from time to time imports goods from a business called ACME, which banks with the ABC Bank. InCosmetika holds an account at the Commonwealth Bank. InCosmetika wants to buy $500,000worth of merchandise from ACME, who agrees to sell the goods and give InCosmetika 60 days to pay for them, on the condition that they are provided with a 90-day letter of credit for the full amount. The steps to get the letter of credit would be as follows:Seller provides bill of lading to bank in exchange for payment. Seller's bank exchanges bill of lading for payment from buyer's bank. Buyer's bank exchanges bill of lading for payment fromthe buyer.Buyer provides bill of lading to carrier and takesdelivery of goods.•InCosmetika goes to The Commonwealth Bank and requests a$500,000 letter of credit, with ACME as the beneficiary.•The Commonwealth Bank can issue a letter of credit either onapproval of a standard loan underwriting process or by InCosmetikafunding it directly with a deposit of $500,000 plus fees which aretypically between 1% and 8% of the face value of the letter ofcredit.•The Commonwealth Bank sends a copy of the letter of credit to theABC Bank, which notifies ACME that payment is available andthey can ship the merchandise InCosmetika has ordered with the fullassurance of payment to them.•On presentation of the stipulated documents in the letter of creditand compliance with the terms and conditions of the letter of credit,the Commonwealth Bank transfers the $500,000 to the ABC Bank,which then credits the account of ACME for that amount.•Note that banks deal only with documents required in the letter of credit and not the underlying transaction.•Many exporters have mistakenly assumed that the payment is guaranteed after receiving the letter of credit. The issuing bank is obligated to pay under the letter of credit only when the stipulated documents are presented and the terms and conditions of the letter of credit have been met.AvailabilityA letter of credit being an irrevocable undertaking of the issuing bank makes available the Proceeds, to the Beneficiary of the Credit provided, stipulated documents strictly complying with the provisions of the letter of credit,UCP 600 and other international standard banking practices, are presented to the issuing bank, then:•i.if the Credit provides for sight payment – by payment at sight against compliant presentation•ii.if the Credit provides for deferred payment – by payment on the maturity date(s) determinable in accordance with the stipulations of the Credit; and of course undertaking to pay on due date and confirming maturity date at the time of compliant presentation•iii.a.if the Credit provides for acceptance by the Issuing Bank – by acceptance of Draft(s) drawn by the Beneficiary on the Issuing Bank and payment at maturity of such tenor draft, or•iii.b. if the Credit provides for acceptance by another drawee bank– by acceptance and payment at maturity Draft(s)drawn by the Beneficiary on the Issuing Bank in the event the drawee bank stipulated in the Credit does not accept Draft(s) drawn on it,or by payment of Draft(s) accepted but not paid by such drawee bank at maturity;•iv. if the Credit provides for negotiation by another bank – by payment without recourse to drawers and/or bona fide holders, Draft(s) drawn by the Beneficiary and/or document(s) presented under the Credit, (and so negotiated by the nominated bank )•Negotiation means the giving of value for Draft(s) and/or document(s) by the bank authorized to negotiate, viz the nominated bank. Mere examination of the documents and forwarding the same to the letter of credit issuing bank for reimbursement, without giving of value / agreed to give, does not constitute a negotiation.Some of the Documents Called for under a Letter of Credit•Financial DocumentsBill of Exchange, Co-accepted Draft•Commercial DocumentsInvoice, Packing list•Shipping DocumentsTransport Document, Insurance Certificate, Commercial, Official or Legal Documents•Official DocumentsLicense, Embassy legalization, Origin Certificate, Inspection Cert , Phyto-sanitary Certificate•Transport DocumentsBill of Lading (ocean or multi-modal or Charter party), Airway bill, Lorry/truck receipt, railway receipt, CMC Other than Mate Receipt, Forwarder Cargo Receipt, Deliver Challan...etc•Insurance documentsInsurance policy, or Certificate but not a cover note.pre shipment packing listLegal principles governing documentary creditsOne of the primary peculiarities of the documentary credit is that the payment obligation is abstract and independent from the underlying contract of sale or any other contract in the transaction. Thus the bank’s obligation is defined by the terms of the credit alone, and the sale contract is irrelevant. The defences of the buyer arising out of the sale contract do not concern the bank and in no way affect its liability.[1] Article 4(a) UCP states this principle clearly. Article 5 the UCP further states that banks deal with documents only, they are not concerned with the goods (facts). Accordingly, if the documents tendered by the beneficiary, or his or her agent, appear to be in order, then in general the bank is obliged to pay without further qualifications.The policies behind adopting the abstraction principle are purely commercial and reflect a party’s expectations: firstly, if the responsibility for the validity of documents was thrown onto banks, they would be burdened with investigating the underlying facts of each transaction and would thus be less inclined to issue documentary credits as the transaction would involve great risk and inconvenience. Secondly, documents required under the credit could in certain circumstances be different from those required under the sale transaction; banks would then be placed in a dilemma in deciding which terms to follow if required to look behind the credit agreement. Thirdly, the fact that the basic function of the credit is to provide the seller with the certainty of receiving payment, as long as he performs his documentary duties, suggests that banks should honour their obligation notwithstanding allegations of misfeasanceby the buyer. [2] Finally, courts have emphasised that buyers always have a remedy for an action upon the contract of sale, and that it would be a calamity for the business world if, for every breach of contract between the seller and buyer, a bank were required to investigate said breach.The “principle of strict compliance” also aims to make the bank’s duty of effecting payment against documents easy, efficient and quick. Hence, if the documents tendered under the credit deviate from the language of the credit the bank is entitled to withhold payment even if the deviation is purely terminological.[3] The general legal maxim de minimis non curat lex has no place in the field of documentary credits.The price of letters of creditAll the charges for issuance of Letter of Credit, negotiation of documents, reimbursements and other charges like courier are to the account of applicant or as per the terms and conditions of the Letter of credit. If the letter of credit is silent on charges, then they are to the account of the Applicant. The description of charges and who would be bearing them would be indicated in the field 71B in the Letter of Credit.Legal Basis for Letters of CreditAlthough documentary credits are enforceable once communicated to the beneficiary, it is difficult to show any consideration given by the beneficiary to the banker prior to the tender of documents. In such transactions the undertaking by the beneficiary to deliver the goods to the applicant is not sufficient consideration for the bank’s promise because the contract of sale is made before the issuance of the credit, thus consideration in these circumstances is past. In addition, the performance of an existing duty under a contract cannot be a valid consideration for a new promise made by the bank: the delivery of the goods is consideration for enforcing the underlying contract of sale and cannot be used, as it were, a second time to establish the enforceability of the bank-beneficiary relation.Legal writers have analyzed failed to satisfactorily reconcile the bank’s undertaking with any contractual analysis. The theories include: the implied promise, assignment theory, the novation theory, reliance theory, agency theories, estoppels and trust theories, anticipatory theory, and the guarantee theory. [4] Davis, Treitel, Goode, Finkelstein and Ellinger have all accepted the view that documentary credits should be analyzed outside the legal framework of contractual principles, which require the presence of consideration. Accordingly, whether the documentary credit is referred to as a promise, an undertaking, a chose in action, an engagement or a contract, it is acceptable in English jurisprudence to treat it as contractual in nature, despite the fact that it possesses distinctive features, which make it sui generis.A few countries including the US (see Article 5 of the Uniform Commercial Code) have created statutes in relation to the operation of letters of credit. These statutes are designed to work with the rules of practice including the UCP and the ISP98. These rules are practice are incorporated into the transaction by agreement of the parties. The latest version of the UCP is the UCP600 effective July 1, 2007[5] . The previous revision was the UCP500 and became effective on 1 January 1994. Since the UCP are not laws, parties have to include them into their arrangements as normal contractual provisions.International Trade Payment methods•Advance payment (most secure for seller)Where the buyer parts with money first and waits for the seller to forward the goods•Documentary Credit (more secure for seller as well as buyer)Subject to ICC's UCP 600, where the bank gives an undertaking (on behalf of buyer and at the request of applicant ) to pay the shipper ( beneficiary ) the value of the goods shipped if certain documents are submitted and if the stipulated terms and conditions are strictly complied.Here the buyer can be confident that the goods he is expecting only will be received since it will be evidenced in the form of certain documents called for meeting the specified terms and conditions while the supplier can be confident that if he meets the stipulations his payment for the shipment is guaranteed by bank, who is independent of the parties to the contract.•Documentary collection (more secure for buyer and to a certain extent to seller)Also called "Cash Against Documents". Subject to ICC's URC 525, sight and usance, for delivery of shipping documents against payment or acceptances of draft, where shipment happens first, then the title documents are sent to the [collecting bank] buyer's bank by seller's bank [remitting bank], for delivering documents against collection of payment/acceptance•Direct payment (most secure for buyer)Where the supplier ships the goods and waits for the buyer to remit the bill proceeds, on open account terms.Risk situations in letter-of-credit transactionsFraud Risks•The payment will be obtained for nonexistent or worthless merchandise against presentation by the beneficiary of forged or falsified documents.•Credit itself may be forged.Sovereign and Regulatory Risks•Performance of the Documentary Credit may be prevented by government action outside the control of the parties.Legal Risks•Possibility that performance of a Documentary Credit may be disturbed by legal action relating directly to the parties and their rights and obligations under the Documentary CreditForce Majeure and Frustration of Contract•Performance of a contract – including an obligation under a Documentary Credit relationship – is prevented by external factors such as natural disasters or armed conflictsRisks to the Applicant•Non-delivery of Goods•Short Shipment•Inferior Quality•Early /Late Shipment•Damaged in transit•Foreign exchange•Failure of Bank viz Issuing bank / Collecting BankRisks to the Issuing Bank•Insolvency of the Applicant•Fraud Risk, Sovereign and Regulatory Risk and Legal RisksRisks to the Reimbursing Bank•no obligation to reimburse the Claiming Bank unless it has issued a reimbursement undertaking.Risks to the Beneficiary•Failure to Comply with Credit Conditions•Failure of, or Delays in Payment from, the Issuing Bank•Credit Issued by Party other than BankRisks to the Advising Bank•The Advising Bank’s only obligation – if it accepts the Issuing Bank’s instructions – is to check the apparent authenticity of the Credit and advising it to the BeneficiaryRisks to the Nominated Bank•Nominated Bank has made a payment to the Beneficiary against documents that comply with the terms and conditions of the Credit and is unable to obtain reimbursement from the Issuing BankRisks to the Confirming Bank•If Confirming Bank’s main risk is that, once having paid the Beneficiary, it may not be able to obtain reimbursement from the Issuing Bank because of insolvency of the Issuing Bank or refusal of the Issuing Bank to reimburse because of a dispute as to whether or not payment should have been made under the CreditOther Risks in International Trade• A Credit risk risk from change in the credit of an opposing business.•An Exchange risk is a risk from a change in the foreign exchange rate.• A Force majeure risk is 1. a risk in trade incapability caused by a change in a country's policy, and 2. a risk caused by a natural disaster.•Other risks are mainly risks caused by a difference in law, language or culture. In these cases, the cargo might be found late because of a dispute in import and export dealings.See also•Uniform Customs and Practice for Documentary Credits•Buyer's CreditReferences[1]See Ficom S.A. v. Sociedad Cadex [1980] 2 Lloyd’s Rep. 118.[2]United City Merchants (Investments) Ltd v Royal Bank of Canada (The American Accord) [1983] 1.A.C.168 at 183[3]J. H. Rayner & Co., Ltd., and the Oilseeds Trading Company, Ltd. v.Hambros Bank Limited [1942] 73 Ll. L. Rep. 32[4]For extensive analysis See Finkelstein, H. Legal Aspects of Commercial Letters of Credit, pp. 275-295[5]Dominique Doise,“The 2007 Revision of the Uniform Customs and Practice for Documentary Credits (UCP 600)” (http://www./fr/expertise/publications/la-revision-2007-des-regles-et-usances-uniformes-relatives-aux-credits-documentaires-ruu-600/)Article Sources and Contributors7Article Sources and ContributorsLetter of credit Source: /w/index.php?oldid=362623426 Contributors: 84user, Aaronsteers, Aitias, Alandavidson, Alex Bastiaans, Alexsilver, Alkiviadis, ArglebargleIV, Arslan Naveed, Bantman, Beetstra, Bhadani, Billfred, Brynnar, Btmu111, Carlofnetcong, Catchvika, Chitwin, Cleduc, Copyeditor42, Danilot, Davepape, Dccarroll, Dmuth, Dreaded Walrus,Dying, Eastlaw, Edward, Ellsworth, Gavin Moodie, Gioto, Gogo Dodo, Gorokhovskikh, Gregalton, HunkinElvis, ILjAVA, Isfufun, Istvan, Jack1981, Jenblower, Jengod, Jorge.leon, Jpo, Jtedor, Kammat, Kazu89, Kinayath, Lahiru k, Law jordan, Leeyc0, Lop.dong, Mcdennis13, Nagle, NaturalBornKiller, Neftin, NilsB, Nopetro, Nratlos, Osprey, Paul Albinson, Pavone, Pijushkantiroy, Raven4x4x, Rich Farmbrough, Rlaager, combe, Romanm, Roux-HG, Samtaylor, Scott Sanchez, ScottoJames, Sekicho, SimonP, Skdyt, Spondoolicks, SweetBadger, Syedjami, TOLEE, ThirteenthGreg, Tiggerjay, Tomaze, Tragic Baboon, Unuser, Valacosa, Versageek, Vinithra velu, VodkaJazz, Waggers, Zhongxin, 233 anonymous editsImage Sources, Licenses and ContributorsImage:Letter of credit 1.png Source: /w/index.php?title=File:Letter_of_credit_1.png License: Public Domain Contributors: Sekicho, Überraschungsbilder, 1 anonymous editsImage:Letter of credit 2.png Source: /w/index.php?title=File:Letter_of_credit_2.png License: Public Domain Contributors: SekichoImage:Letter of credit 3.png Source: /w/index.php?title=File:Letter_of_credit_3.png License: Public Domain Contributors: SekichoImage:Letter of credit 4.png Source: /w/index.php?title=File:Letter_of_credit_4.png License: Public Domain Contributors: Sekicho, 1 anonymous editsLicenseCreative Commons Attribution-Share Alike 3.0 Unported/licenses/by-sa/3.0/。

Lesson 12 The Letter of Credit (2)

• consulting with: to exchange opinions, information, etc. with a person or people • 与…..协商；磋商 • consult advise with 仔细商量 • consult with 商量 • consult with superior 高级咨询 ; 具有超强的咨询 • 如果碰到困难，你应当和群众商量。 • In case of any difficulty, you must consult with the masses.
• Alter: cause to change; make different; cause a transformation; make or become different in some particular way, without permanently losing one's or its former characteristics or essence • V. 改变，更改 • 你改变主意了吗? • Have you altered your mind? • 诡辩改变不了历史。 • Sophistry cannot alter history.
• 1. Clean credit and documentary credit: Credits that only require clean draft, i.e. draft not accompanied with shipping documents, for payment are clean credit. They are generally used in non-trade settlement（非贸易结算） or in payment in advance by means of the L/C. Most of the credits used in international trade are documentary credits, i.e. credits that require shipping documents to be presented together with the draft.

LETTER OF CREDIT范本

LETTER OF CREDITRCVD *FIN/Session/OSN: F01 430429526RCVD *Own Address: COMMCNSELXXXX BANK OF COMMUNICATIONSRCVD *SHANGHAIRCVD *(HEAD OFFICE)RCVD *Output Message Type: 700ISSUE OF A DOCUMENTARY CREDITRCVD *Input Time: 1322RCVD *MIR: 001115BKKBTHBKBXXX51958227342RCVD *Send by: BKKBTHBKBXXX BANGKOK BANK PUBLIC COMPANY LIMITED RCVD *BANGKOKRCVD *Output Date/Time: 001115/1422RCVD *Priority: NormalRCVD *RCVD *RCVD *27/SEQUENCE OF TOTALRCVD *1/1RCVD *40A/FORM OF DOCUMENTARY CREDITRCVD *IRREVOCABLERCVD *20/DOCUMENTARY CREDIT NUMBERRCVD *329898871232RCVD *31C/DATE OF ISSUERCVD *001115RCVD *NOV-15-2000RCVD *31D/DATE AND PLACE OF EXPIRYRCVD *001230BENEFICIARIES’ COUNTRYRCVD *DEC-30-2000RCVD *50/APPLICANTRCVD *MOUN NO., LTD.RCVD *NO.443, 249, ROAD,RCVD *BANGKOKRCVD *THAILANDRCVD *59/BENEFICIARYRCVD *SHANGHAI FOREIGN TRADE CORP.RCVD *SHANGHAI, CHINARCVD *32/CURRENCY CODE AMOUNTRCVD *USD18112,RCVD *US DOLLAR 18112,00RCVD *41D/AVAILABLE WITH…BY…-NAME/ADDRRCVD *ANY BANK INRCVD *CHINARCVD *BY NEGOTIATIONRCVD *42C/DRAFTS AT…RCVD */SEE 47A/RCVD *42D/DRAWEE-NAME AND ADDRESSRCVD *ISSUING BANKRCVD *43P/PARITIAL SHIPMENTSRCVD *NOT ALLOWEDRCVD *43T/TRANSSHIPMENTRCVD *ALLOWEDRCVD *44A/ON BOARD/DISP/TAKING CHARGERCVD *CHINARCVD *44B/FOR TRANSPORTATION TORCVD *BANGKOK, THAILANDRCVD *44C/LATEST DATE OF SHIPMENTRCVD *001210RCVD *DEC-10-2000RCVD *45A/DESC OF GOODS AND/OR SERVICESRCVD *RCVD *16,000KGS.METHAMIDOPHOS 70 PCT.MIN TECH.RCVD *AT USD1.132 PER KG.CIF BANGKOK, THAILANDRCVD *PACKING IN 200 KGS/IRON DRUMRCVD *(DETAILS AS PER PROFORMA INVOICE NO.33745)RCVD *46A/DOCUMENTS REQUIREDRCVD *+ORIGINAL SIGNED COMMERCIAL INVOICE IN DUPLICATERCVD *+ORIGINAL PAKCING LIST IN DUPLICATERCVD *+FULL SET CLEAN ON BOARD MARINE BILL OF LADING CONSIGNED TO RCVD *THE ORDER OF BANGKOKO BANK PUBLIC COMPANY LIMITED, BANGKOK RCVD *BANGKOK MARKED PREPAID AND NOTIFY APPLICANTRCVD *NAME OF SHIPPING AGENT IN BANGKOK WITH FULL ADDRESS ANDRCVD *TELEPHONE NUMBER, INDICATING THIS L/C NUMBER.RCVD *+ORIGINAL CERTIFICATE OF ORIGIN IN DUPLICATERCVD *47A/ADDITIONAL CONDITIONSRCVD */DRAFTS IN DUPLICATE AT 120 DAYS AFTER SHIPMENT DATE, INTEREST/ RCVD *DISCOUNT AND INDICATING THIS L/C NUMBERRCVD * A DISCREPANCY FEE OF USD50.00 WILL BE IMPOSED ON EACH SET OF RCVD *DOCUMENTS PRESENTED FOR NEGOTIATION UNDER THIS L/C WITH RCVD *DISCREPANCY. THE FEE WILL BE DEDUCTED FROM THE BILL AMOUNT. RCVD *71B/CHARGESRCVD *ALL BANK CHARGES OUTSIDERCVD *THAILAND INCLUDING REIMBURSINGRCVD *BANK COMMISSION AND DISCREPANCYRCVD *FEE(IF ANY) ARE FORRCVD *BENEFICIARIES’ ACCOUNT.RCVD *49/CONFIREMATION INSTRUCTIONSRCVD *WITHOUTRCVD *53D/REIMBURSING BANK-NAME/ADDRESSRCVD *BANGKOK BANK PUBLIC COMPANYRCVD *LIMITED, NEW YORK BRANCHRCVD *AT MATURITYRCVD *78/INSTRUCS TO PAY/ACCPT/NEGOT BANKRCVD *DOCUMENTS TO BE DISPATCHED IN ONE SET BY COURIERRCVD *ALL CORRESPONDENCE TO BE SENT TO BANGOKOK BANK PUBLIC COMPANY RCVD *LIMITED HEAD OFFICE, 333 SILOM ROAD, BANGKOK 10500, AHAILAND. RCVD *ATTN: L/C MP/1011027792163 IMPORT L/C SECTION 6.RCVD *信用证(Letter of Credit，简称L/C)又称信用状，是银行（开证行）根据申请人（一般是进口商）的要求，向受益人（一般是出口商）开立的一种有条件的书面付款保证。

LetterofCredit（LC）的分类

LetterofCredit（LC）的分类
Letter of Credit(L/C)的分类
Letter of Credit 即L/C, 为国际贸易中最常见的付款方式,它的分类很多,下面作了列举,供参考.
1.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/indivisible 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/C reciprocal 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。

合同信用证英文模板

合同信用证英文模板Letter of Credit (L/C) Template。

A letter of credit (L/C) is a financial instrument used in international trade to provide a guarantee of payment to the seller by the buyer's bank. It is a crucial tool for facilitating trade transactions and providing security to both parties involved. In this article, we will discuss the key components of a letter of credit, its benefits, and how it is used in international trade.Key Components of a Letter of Credit。

1. Parties involved: The letter of credit involves three main parties the buyer (importer), the seller (exporter), and the issuing bank. The buyer requests the issuing bank to issue a letter of credit in favor of the seller, which guarantees payment upon presentation of the required documents.2. Terms and conditions: The letter of credit specifies the terms and conditions under which the payment will be made. This includes the amount of payment, the documents required for payment, the expiry date of the credit, and any other specific requirements agreed upon by the buyer and the seller.3. Documents required: The seller must present specific documents, such as the commercial invoice, bill of lading, packing list, and certificate of origin, to the issuing bank in order to receive payment. These documents serve as evidence that the goods have been shipped and comply with the terms of the letter of credit.4. Confirmation: In some cases, the seller may request the letter of credit to be confirmed by a confirming bank, which provides an additional layer of security. The confirming bank undertakes to honor the credit if the issuing bank fails to do so.Benefits of a Letter of Credit。

The Letter of Credit

Lesson 2The Letter of Credit ( I )In international trade，it is almost impossible to match payment with physical delivery of the goods which constitutes conflicting problems to trade, since the exporter prefers to get paid before releasing the goods and the importer prefers to gain control over the goods before paying the money. The letter of credit is an effective means' to solve these problems. It objective is to facilitate international payment by means of the creditworthiness the bank. This method of payment offers .security to both the seller and the buyer. The former has the security to get paid provided he provided impeccable documents while the latter his the security to get: the goods required through the documents he stipulates in the credit. This bilateral security is the unique and characteristic feature of the letter of credit."Letter of credit is often shortened as L/C. and is sometimes referred to as "banker's commercial letter of credit", "banker's credit", "commercial credit" or simply "credit". Modern credits were introduced in the second half of the 19th century and had substantial development after the First World War. The credit is a letter issued by a bank at the request of the importer in which the bank promises to pay upon presentation of the relevant documents. It is actually a conditional bank undertaking of payment.The operation of the letter of credit starts with the importer. He instructs his bank to issue an L/C in favor of the seller for the amount of the purchase. Here the importer is called the applicant, or opener, principal etc. , the bank that issues the credit is called the opening bank, the issuing bank or the establishing bank, and the exporter in whose favour the credit is opened is called the beneficiary. The opening bank sends the credit to its correspondent bank in the exporter's country, who will, after examining the credit , advise the exporter of its receipt. Here the correspondent bank is called the advising bank. The exporter or beneficiary will make a careful examination of all the contents of the credit and will request the opener to make amendments to any discrepancies in the credit so as to ensure safe and timely payment. Sometimes the exporter may require a confirmed letter of credit8 either because the credit mount is too large, or because he does not fully trust the opening bank. The bank that adds its confirmation to the credit is called the confirming bank9 which is undertaken either by the advising bank or another prime bank. When everything with the credit is in order, the exporter will prepare the relevant documents10 based on the credit and dispatch the goods to the importer. Then he will present the draft and the accompanying documents" to the advising bank that pays or accepts or negotiates the bill of exchange''. The advising bank then also becomes the paying bank which acts as the agent of theopening bank. and gets reimbursed by the opening bank after paying the beneficiary. If a bank, either nominated by the opening bank or at its own choice, buys the exporter's draft submitted to it under a credit, it is called a negotiating bank. The draft and the documents will then be sent to the opening bank for reimbursement.Letters of credit are varied in form, length, language, and stipulations. Generally speaking, however, they include the following contents: 1. The number of the credit and the place and time of its establishment. 2. The type of the credit. 3. The contract on which it is based. 4. The major parties relevant to the credit, such as the applicant, opening bank, beneficiary, advising bank. etc.5. The amount or value of the credit.6. The place and date on which the credit expires.7. The description of the goods including name of commodity, quantity, specifications, packing, unit price, price terms, etc.8. Transportation clause including the port of shipment. the port of destination, the time of shipment, whether allowing partial shipments or transshipment.9. Stipulations relating to the draft. 10. Stipulations concerning the shipping documents required. 11. Certain special clauses if any, e. g. restrictions on the carrying vessel17 and the route. 12. Instructions to the negotiating bank. 13. The seal or signature of the opening bank. 14. Whether the credit follows "the uniform customs and practice for documentary credits.The letter of credit provides security to both the exporter and the importer. However, it only assures payment to the beneficiary provided the terms and conditions of the credit are fulfilled. It does not guarantee that the goods purchased will be those invoiced or shipped. It is stipulated in Article 4 of the uniform customs and practice for documentary credit that "in credit operations all parties concerned deal in documents, and not in goods, service and/or other performance to which the documents may relate". That is to say the banks are only concerned with the documents representing the goods instead of the underlying contracts. They have no legal obligation whether the goods comply with the contract. I hey will be considered as having fulfilled their responsibility so long as all the documents comply with the stipulations of the credit. The quality and quantity of merchandise shipped, although specified in the documents, ultimately depend on the seller who has manufactured,packaged, and arranged shipment for the goods. If the importer finds any problems with the goods, e. g. inferior quality or insuffi cient quantity, he has to contact or even take legal action against the exporter instead of the bank so long as the documents are "proper" on their face21.Words and Expressionsrelease vt. 放开gain control over 得到对….的控制objective n. 目的，目标impeccable a. 无缺点的，完全符合要求的bilateral a. 双边的unique a. 独特的security n. 安全，保障presentation n. 呈交，提示undertaking n. 承担applicant n. 开证申请人opening bank 开证银行beneficiary n. 受益人correspondent bank 往来行，关系行advising bank 通知行amendment n. 修改discrepancy n. 不符confirming bank 保兑行reimburse vt. 付款nominate vt. 指定submit n. 提交stipulation n. 规定expire vi. 满期，到期unit price 单价partial shipment 分批装运transshipment n. 转船seal n. 印章underlying a. 作为基础的obligation n. 责任，义务ultimately ad. 最终insufficient a. 不足的。

ISSUE OF A DOCUMENTARY LETTER OFCREDIT 2 CECILY 3 (1)

ISSUE OF A DOCUMENTARY LETTER OF CREDIT (DLC)FIN 700ISSUING BANK: SCBLSGSGXXXSTANDARD CHARTERED BANKSINGAPORERECEIVER: BANK OF CHINAJIANGSU BRANCHSWIFT: BKCHCNBJ940--------------------- ------------------------MESSAGE TEXT------------------------------------------------- : 27 : SEQUENCE OF TOTAL1/1: 40A：FORM OF LETTER OF CREDITIRREVOCABE: 20 : DOCUMENTARY CREDIT NUMBERXXXXXXXXXXXXXX: 31C: DATE OF ISSUE00/10/14: 40E: APPLICABLE RULESUCP LATEST VERSION: 31D: DATE AND PLACE OF EXPIRY00/01/2015: 50 : APPLICANTXXXXXXXXXXXXXXXXSINGAPORE: 59 : BENEFICIARYJIANGSU HIGH HOPE CORPORA TION15 HUBU STREET, NANJING, CHINAA/C NO. 515758209879: 32B : CURRENCY CODE/AMOUNTCURRENCY: USD (US DOLLAR)AMOUNT : #1,462,500.00#: 39A : PERCENTAGE CREDIT AMOUNT TOLERANCE+/- 3%: 41D : A V AILABLE WITH….BY….NAME & ADDR.ANY BANK BY PAYMENT: 42C : DRAFT ATSIGHT: 42D : DRAWEEHSBC HONG KONG: 43P : PARTIAL SHIPMENTSALLOWED: 43T : TRANSHIPMENTNOT ALLOWED: 44E : PORT OF LOADING/AIRPORT OF DEPARTUREANY PORT IN CHINA: 44F : PORT OF DISCHARGE/AIRPORT OF DESITNATIONFELISTOWE, U.K.: 44C: LATEST DA TE OF SHIPMENT00/01/2015 (21 DAYS BEFORE LC EXPIRED): 45A: DESCRIPTION OF GOODS AND/OR SERVICES1) 100,000 PAIRS MEN’S PANTS @USD7.50/PAIR F.O.B.NANJING,CHINA2) 95,000 PAIRS WOMAN’S PANTS@7.50/PAIR F.O.B.NANJING,CHINAGRAND TOTAL: USD1,462,500.00 (INCOTERMS 2010)46A : DOCUMENTS REQUIRED+ SIGNED COMMERCIAL INVOICE IN 1 ORIGINAL AND 2 COPIES+ PACKING LIST IN 1 ORIGINAL AND 2 COPIES+ INSPECTION CERTIFICATE ISSUED AND MANUALL Y SIGNED BY L/C APPLICANT AUTHORISED SIGNA TURIES ON LETTERHEAD OF THEAPPLICANT (WHOSE SIGNA TURES AND ANY SEAL OR CHOP REQUIREDBY THE L/C ISSUING BANK’S MANDATE MUST BE IN CONFORMITYWITH THE RECORD HELD IN THE ISSUING BANK’S FILE AND MUST BEVERIFIED BY THE ISUSING BANK) SHOWING QUANTITY AND V ALUEOF THE GOODS SHIPPED.+ CERTIFICATE OF ORGIN ISSUED BY CHINA COMPETENT AUTHORITY.+ BENEFICIARY’S CERTIFICATE CERTIFYING THAT ONE SET OF NON-NEGOTIABLE DOCUMENTS HAS BEEN SENT BY DHL COURIERSERVICE TO THE APPLICANT WITHIN 5 DAYS AFTER SHIPMENT.ORIGINAL DHL COURIER RECEIPT AND BENEFICIARY’S CERTIFICATETO THIS EFFECT TO ACCOMPANY THE DOCUMENT FOR NEGOTIATION.+ FULL SET (3/3) CLEAN ‘ON BOARD’OCEAN BILL OF LADING CONSIGNED TO ORDER AND MARKED ‘FREIGHT TO COLLECT’ANDNOTIFY APPLICANT TO SHOW THE NAME AND ADDRESS ANDTELEPHONE/FAX NUMBERS OF SHIPPING COMPANY/AGENTREPRESENTING THEM AT PORT OF DESTINATION SHOWING EACHCONTAINER NUMBER AND WEIGHT.:47A: ADDITIONAL CONDITIONS+ INVOICE AMOUNT EXCEEDING THIS CREDIT IS NOT ACCEPTABLE.+ FREIGHT FORW ARDERS B/L, CHARTER PARTY B/L, STALE B/L AND SHORT FORM BLANK BACK NON-NEGOTIABLE SEAW AY BILLS OFLADING ARE UNACCEPTABLE.+ ORIGINAL SHIPPING COMPANY CERTIFICATE CERTIFYING THAT THE GOODS CAN ONL Y BE DELIVERED AT DESTINATION PORT ONSUBMISSION OF ALL 3 SETS OF ORIGINAL BILL OF LADING.+ ALL BANK CHARGES INCLUDING REIMBURSEMENT CHARGES AND COMMISSION IN LIEU WILL BE ON BENEFICIARY’S ACCOUNT.+ NEGOTIATION OF DOCUMENTS WITH DISCREPANCIES OR INCOMPLETE DOCUMENTS UNDER RESERVE/GUARANTEE ARESTRICTL Y PROHIBITED.+ALL DOCUMENTS MUST BE IN ENGLISH+ INSURANCE COVERED BY ULTIMATE BUYER.: 71 : CHARGESALL BANK CHARGES OUTSIDE ISSUING BANK ARE FORBENEFICIARY’S ACCOUNT, THIS CANNOT BE WA VIED, ARTICLE 37COF UCP 600 EXCLUDED.: 48 : PERIOD OF PRESENTA TIONDOCUMENTS TO BE PRESENTED WITHIN 21 DAYS AFTER SHIPMENTDATE BUT WITHIN THE V ALIDITY OF THE CREDIT.: 49 : CONFIRMATION INSTRUCTIONSWITHOUT: 78 : INSTRUCTION TO THE PAY/ACCEPT/NEG BANK+UPON RECEIPT OF DOCUMENTS CONFORMING TO THE TERMS OFTHIS CREDIT, WE UNDERTAKE TO REIMBURSE YOU IN THECURRENCY OF THIS DOCUMENTARY CREDIT LESS REIMBURSEMENTFEE OF USD75.00 OR EQUIVALENT IN ACCORDANCE WITH YOURINSTRUCTIONS. UCP 600 ARTICLE 35 EXCLUDED. THE AMOUNT OFEACH DRAFT MUST BE ENDORSED HEREON.: 57D: ADVISE THRU BANK:BANK OF CHINAJIANGSU BRANCHNO.148 ZHONGSHAN NAN LU, NANJING, CHINASWIFT: BKCHCNBJ940(72)SENDER TO RECEIVER INFORMA TIONTHIS LETTER OF CREDIT IS SUBJECT TO UNIFORM CUSTOM ANDPRACTICE FOR DOCUMENTARY CREDITS LATEST (2007 REVISION)INTERNATIONAL CHAMBER OF COMMERCE PUBLICATION NO.600.。

LetterofCredit信用证具体说明（中英文对照）

LetterofCredit信用证具体说明（中英文对照）Letter of CreditSEQUENCE OF TOTAL *27 : 1/1FORM OF DOCUMENTARY CREDIT * 40A : IRREVOCABLE DOCUMENTARY CREDIT NUMBER *20 :DATE OF ISSUE *31C :DATE AND PLACE OF EXPIRY *31D :050622 IN CHINA 050622在中国到期APPLICANT *50 :BENEFICIARY *59 :CHAOZHOU HUALI CERAMICS FACTORYFENGYI INDUSTRIAL DISTRICT, GUXIANG TOWN, CHAOZHOU CITY,GUANGDONG PROVINCE,CHINA.潮州华利陶瓷洁具厂CURRENCY CODE, AMOUNT *32B :CURRENCY USD AMOUNTAVAILABLE WITH....BY. (41)STANDARD CHARTERED BANKCHINA AND/OR AS BELOW 渣打银行或以下的BY NEGOTIATION 任何议付行DRAFT AT 42C :DRAWEE 42A :PARTIAL SHIPMENTS 43P :NOT ALLOWED 不可以TRANSHIPMENT 43T :LOADING ON BOARD/DISPATCH/TAKING IN CHARGE AT/FROM 44A:TRANSPORTATION TO 44B :LATEST DATE OF SHIPMENT 44C :ESCRIPTION OF GOODS AND/OR SERVICES 45A :OCUMENTS REQUIRED 46A :+SIGNED COMMERCIAL INVOICE IN QUINTUPLICATE MADE OUT IN THE NAME OF APPLICANT INDICATING CIF VALUE AND THE ORIGINE OF THE GOODS SHIPPED.+PACKING LIST/WEIGHT MEMO IN QUADRUPLICATE MENTIONNING TOTAL NUMBER OF CARTONS AND GROSS WEIGHTAND MEASUREMENTS PER EXPORT CARTON.*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 THEIR AGENT STATING THE B/L NO(S) AND THE VESSEL(S) NAME CERTIFYING THAT THE CARRYING VESSEL(S) IS/ARE: A) HOLDING A VALID SAFETY MANAGEMENT SYSTEM CERTIFICATE AS PER TERMS OF INTERNATIONALSAFETY MANAGEMENT CODE ANDB) CLASSIFIED AS PER INSTITUTE CLASSIFICATION CLAUSE 01/01/2001 BY 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 UPONAPPLICANT’S WAIVER OF SUCH DISCREPANCIES,NOTWITHSTANDING ANYCOMMUNICATION 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。

外贸英语函电9Letter of Credit

Letter of Credit What is L/C
信用证方式有三个特点 1. 信用证不依附于买卖合同，银行在审单时强调的是信用证与基础贸易相分离的书面形式上的认证。 2. 信用证是凭单付款，不以货物为准。只要单据相符，开证行就应无条件付款。 3. 信用证是一种银行信用，它是银行的一种担保文件。
受益人（出口人） 4审证无误则装运并交单议付 5 审单垫付
开证行/付款行偿付行、代付行（进口地银行）
通知行/议付行保兑行（出口地银行）
The exporter should check the details of letter of credit, including the following: 1. The names and addresses are complete and spelled correctly. 2. The L/C is irrevocable and confirmed by the advising bank, conforming to sales contract. 3. The amount is sufficient to cover the consignment. 4. The description of goods is correct. 5. The quantity is correct. 6. The unit price of goods, if stated in the L/C, conforms to the contract price. 7. The latest date for shipment or the shipping date is sufficient to dispatch the consignment.

外贸函电第二版Unit-09-信用证

快开证 valid reason for further delaying the opening of the credit.（货已备妥多日，你方应立即开证，我们不知道贵方有何合理理由迟迟不开证。）
9
改证或信用证展期信函的写作步骤及常见表达方式：
写作步骤
表达方式
（1） We wish to acknowledge receipt of the L/C No.3450 告诉对方 for the amount of USD5,000 covering your Order 已收到信 No.987.（你方987号订单项下金额5,000美元的3450
Unit 9 Letter of Credit 信用证
1
9.1 Introduction（简介）
目的：掌握如何申请开立信用证、或对信用证进行修改、延期及相关的回复。
信用证（Letter of Credit）是国际贸易中最常用的支付方式，不仅适用于个别交易，也适用于系列交易。信用证的开证程序始于进口方。进口方通知开证行（Issuing Bank）开立以出口方为受益人（Beneficiary）的信用证。信用证包含进出口双方达成交易的详细内容。信用证开出后，由开证行将信用证寄给出口方所在地的通知行（Notifying Bank）。接到信用证后，银行和出口方会对信用证进行审核。根据审核无误的信用证，出口方就可备货装运。装运后，出口方就可以缮制符合信用证要求的单据，再据此向议付行（Negotiation Bank）交单议付，取得货款。
没有普遍适用的经济学原理。
17
Cathay
n. （古文诗歌）中国 Have you ever taken Cathay Pacific?
你有没有搭过国泰航空公司的班机？