中英文跟单信用证项下银行间偿付统一规则(URR525)
ucp500跟单信用证统一惯例中英文对照.doc
《跟单信用证统一惯例》1993年（修订本）Uniform Customs and Practice for Documentary Credits国际商会第500号出版物(ICC Publication No.500)Ａ、总则与定义General Provisions and Definitions第一条统一惯例的适用范围Application of UCP《跟单信用证统一惯例，１９９３年修订本》即，国际商会第５００号出版物，适用于所有在信用证文本中标明按本惯例办理的跟单信用证（包括本惯例适用范围内的备用信用证），除非信用证中另有明确规定，本惯例对一切有关当事人均具有约束力。
The Uniform Customs and Practice for Documentary Credits, 1993 Revision, ICC Publication No.500, shall apply to all Documentary Credits (including to the extent to which they may be applicable, Standby Letter(s) of Credit) where they are incorporated into the text of the Credit. They are binding on all parties thereto, unless otherwise expressly stipulated in the Credit.第二条信用证的意义就本惯例而言，“跟单信用证”和“备用信用证”（以下统称“信用证”）意指一项约定，不论如何命名或描述，系指一家银行（“开证行”）应客户（“申请人”）的要求和指示或以其自身的名义，在与信用证条款相符的条件下，凭规定的单据：for the purposes of these Articles, the expressions “Documentary Credit(s)” and “Standby Letter(s) of Credit” (hereinafter referred to as “Credit(s)”) mean any arrangement, however named or described, whereby a bank (the Issuing Bank) acting at the request and on the instructions of a customer (the Applicant ) or on its own behalf,Ⅰ．向第三者（“受益人”）或其指定人付款，或承兑并支付受益人出具的汇票，或is to make a payment to or to the order of a third party (the Beneficiary), or is to accept and pay bills of exchange (Draft(s) drawn by the Beneficiary, orⅡ．授权另一家银行付款，或承兑并支付该汇票，或authorizes another bank to effect such payment, or to accept and pay such bills of exchange (Draft(s)), orⅢ．授权另一家银行议付。
《跟单信用证统一惯例中文版》(UCP600)
跟单信用证统一惯例（ICC UCP600中英文对照版）《跟单信用证统一惯例（UCP600）》第1条统一惯例的适用范围跟单信用证统一惯例2007年修订本，即国际商会第600号出版物，适用于任何在正文中明确表明按本惯例办理的跟单信用证(包括在其适用范围内的备用信用证)。
除非在信用证中明确对其适用予以修改或排除，本统一惯例的条文对有关各方都有约束力。
第2条定义就本惯例而言：“通知行”意指应开证行请求通知信用证的银行。
“申请人”意指提出开立信用证申请的一方。
“银行日”意指银行在其营业地正常营业，按照本惯例行事的行为得以在银行履行的日子。
“受益人”意指信用证中受益的一方。
“相符交单”意指与信用证中的条款及条件、本惯例中所适用的规定及国际标准银行实务相一致的交单。
“保兑”意指保兑行在开证行之外对于相符交单做出兑付或议付的确定承诺。
“保兑行”意指应开证行的授权或请求对信用证加具保兑的银行。
“信用证”意指一项约定，无论其如何命名或描述，该约定不可撤销并因此构成开证行对于相符交单予以兑付的确定承诺。
“兑付”意指：a. 对于即期付款信用证即期付款。
b. 对于延期付款信用证发出延期付款承诺并到期付款。
c. 对于承兑信用证承兑由受益人出具的汇票并到期付款。
“开证行”意指应申请人请求或代表其自身开立信用证的银行。
“议付”意指被指定银行在其应获得偿付的银行日或在此之前，通过向受益人预付或者同意向受益人预付款项的方式购买相符交单项下的汇票（汇票付款人为被指定银行以外的银行）及/或单据。
“指定银行”意指有权使用信用证的银行，对于可供任何银行使用的信用证而言，任何银行均为指定银行。
“交单”意指信用证项下单据被提交至开证行或被指定银行，抑或按此方式提交的单据。
“交单人”意指做出提示的受益人、银行或其他一方。
第3条释义就本惯例而言：在适用的条款中，词汇的单复数同义。
信用证是不可撤销的，即使信用证中对此未作指示也是如此。
单据可以通过手签、签样印制、穿孔签字、盖章、符号表示的方式签署，也可以通过其它任何机械或电子证实的方法签署。
跟单托收统一规则URC522中英文版本.docx
跟单托收统一规则第522号一、总则和定义Article1Application of URC522 第一款：《托收统一规则》第522号的应用。
a.The Uniform Rules for Collections,1995 Revision,ICC Publication No.522,shall apply to all collections as defined in Article 2 where such rules are incorporated into the t ext of the “ collection instruction”referred to in Article 4 and are binding on all parties thereto unless otherwise expressly agreed or contrary to the provisions of a national, state or local law and/or regulation which cannot be departed from.国际商会第522号出版物《托收统一规则》1995 年修订本将适用于第二款所限定的、并在第四款托收指示中列明适用该项规则的所有托收项目。
除非另有明确的约定，或与某一国家、某一政府，或与当地法律和尚在生效的条例有所抵触，本规则对所有的关系人均具有约束力。
b. Banks shall have no obligation to handle either a collection or any collection instruction or subsequent related instructions.银行没有义务必须办理某一托收或任何托收指示或以后的相关指示。
c. If a bank elects, for any reason,not to handle a collection or a ny related instructions received by it, it must advise the party from w hom it received the collection or the instructions by telecommunicationor, if that is not possible,by other expeditious means,without delay.如果银行无论出于何种理由选择了不办理它所收到的托收或任何相关的托收指示，它必须毫不延误地采用电讯，或者如果电讯不可能时采用其它快捷的工具向他收到该项指示的当事人发出通知。
URC522《托收统一规则》(中英文)
(ICC Uniform Rules for Collections ICC Publication No. 522 )ICC Uniform Rules for CollectionsICC Publication No. 5221995 Revision in force as of January 1, 1996CONTENTA. General Provisions and DefinitionsApplication of URC 522Definition of CollectionParties to a CollectionB. Form and Structure of CollectionsC. Form of PresentationPresentationSight/AcceptanceRelease of Commercial DocumentsDocuments Against Acceptance (D/A) vs Documents Against Payment (D/P)Creation of DocumentsD. Liabilities and ResponsibilitiesGood Faith and Reasonable CareDocuments vs. Goods/Services/PerformancesDisclaimer for Acts of an Instructed PartyDisclaimer on Documents ReceivedDisclaimer on Effectiveness of DocumentsDisclaimer on Delays, Loss in Transit and TranslationForce MajeureE. PaymentPayment Without DelayPayment in Local CurrencyPayment in Foreign CurrencyPartial PaymentF. Interest, Charges and ExpensesInterestCharges and ExpensesG. Other ProvisionsAcceptancePromissory Notes and other InstructionsProtestCase-of-NeedAdvicesA. General Provisions and Definitions总则和定义Article 1Application of URC 522第一款：《托收统一规则》第522号的应用。
托收统一规则URC522 中英文版
托收统一规则（１９７８年国际商会修订）★总则和定义：Ａ．本总则、定义以及下列条文适用于下面（Ｂ）所限定的一切托收。
除非另有明示同意，或除非与一国、一州或地方所不得违反的法律条例的规定相抵触，它们对所有当事人都具有约束力。
Ｂ．就本规则、定义和条文而言：１． I ．"托收"是指银行根据所收到的指示来处理下面（II）项所限定的单据，为了：ａ．取得承兑，和（或）视情况予以付款，或者ｂ．在承兑后，和（或）视情况在付款后交付商业单据，或者ｃ．按照其他条件交付单据。
II ．"单据"是指资金单据和（或）商业单据：ａ． "资金单据"是指汇票、期票、支票、付款收据或其他用于取得付款的类似凭证；ｂ．"商业单据"是发票、装运单据、所有权单据或其他类似的单据，或者一切不属于资金单据的其他单据。
III ．"光票托收"是指资金单据的托收，不附有商业单据。
Ⅳ．"跟单托收"是指：ａ．资金单据的托收，附有商业单据；ｂ．商业单据的托收，不附有资金单据。
２． "有关当事人"是指：I ．"委托人" ，是指委托银行，办理托收业务的客户；II ．"委托行" ，是指受委托人的委托，办理托收业务的银行；III ．"代收?是指除委托行以外，参与办理托收指示的任何银行；Ⅳ．"提示行"是指向付款人作出指示的代收行。
３． "受票人" ，就是根据托收指示书，向其作出提示的人。
ｃ．送交托收的一切单据，必须附有一份完整的明确的托收指示书。
银行只被允许按照托收指示书中的规定和根据本规则行事。
如出于某种原因，某一银行不能执行它所收到的托收指示书的规定时，必须立即通知发出托收指示书的一方。
★义务和责任第一条银行应以善意和合理的谨慎行事。
第二条银行必须核实所收到的单据在表面上与托收指示书所列一致，如发现任何单据有遗漏，应即通知发出指示的一方。
中英文跟单信用证项下银行间偿付统一规则(URR525)
Uniform Rules for Bank to Bank Reimbursements Under Documentary Credits跟单信用证项下银行间偿付统一规则（URR525）TABLE OF CONTENTSA. General Provisions and Definitions总则和定义Article 1 Application of URR第一条统一规则的适用范围Article 2 Definitions第二条定义Article 3 Reimbursement Authorisations Versus Credits 第三条偿付授权与信用证偿付授权B. Liabilities and Responsibilities B．责任和义务Article 4 Honour of a Reimbursement Claim第四条对索偿要求的偿付Article 5 Responsibilities of the Issuing Bank第五条开证行的义务Article 6 Issuance and Receipt of a Reimbursement Authorisation or Reimbursement Amendment第六条偿付授权和其修改的出具及接收Article 7 Expiry of a Reimbursement Authorisation第七条偿付授权的有效日期Article 8 Amendment or Cancellation of Reimbursement Authorisations第八条偿付授权的修改或撤销Article 9 Reimbursement Undertakings第九条偿付承诺Article 10 Standards for Reimbursement Claims第十条索偿要求的标准Article 11 Processing Reimbursement Claims 第十一条索偿要求的处理Article 12 Duplications of Reimbursement Authorisations 第十二条偿付授权的重复D. Miscellaneous Provisions D．其它条款Article 13 Foreign Laws and Usages第十三条国外法律和惯例Article 14 Disclaimer on the Transmission of Messages第十四条电文传递差错的免责Article 15 Force Majeure第十五条不可抗力Article 16 Charges第十六条费用Article 17 Interest Claims/Loss of Value第十七条利息索赔和价值损失利息损失A. General Provisions and Definitions总则和定义Article 1 Application of URR第一条统一规则的适用范围The Uniform Rules for Bank-to-Bank Reimbursementsunder Documentary Credits ("Rules"), ICC Publication No 525, shall apply to all Bank-to-Bank Reimbursements where they are incorporated into the text of the Reimbursement Authorisation. They are binding on all parties thereto, unless otherwise expressly stipulated in the Reimbursement Authorisation. The Issuing Bank is responsible for indicating in the Documentary Credit ("Credit") that Reimbursement Claims are subject to these Rules. In a Bank-to-Bank Reimbursement subject to these Rules, the Reimbursing Bank acts on the instructions and/or under the authority of the Issuing Bank. These Rules are not intended to override or change the provisions of the ICC Uniform Customs and Practice for Documentarv Credits..跟单信用证项下银行间偿付统一规则，即国际商会第 525 号出版物，适用于在偿付授权中注明适用于本统一规则的所有银行间的偿付。
托收统一规则URC522中英文版5
f. If the remitting bank does not nominate a specific presenting bank, the collecting bank may utilize a presenting bank of its choice.Article 6Sight/AcceptanceIn the case of documents payable at sight the presenting bank must make presentation for payment without delay.In the case of documents payable at a tenor other than sight the presenting bank must, where acceptance is called for, make presentation for acceptance without delay, and where payment is called for, make presentation for payment not later than the appropriate maturity date.Article 7Release of Commercial DocumentsDocuments Against Acceptance (D/A) vs. Documents Against Payment (D/P)a.Collection should not contain bills of exchange payable at a future date with instruction that commercial documents are to be delivered against payment.b. If a collection contains a bill of exchange payable at a future date, the collection instruction should state whether the commercial documents are to be released to the drawee against acceptance (D/A) or against payment (D/P).In the absence of such statement commercial documents will be released only against payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.c. If a collection contains a bill of exchange payable at a future date and the collection instruction indicates that commercial documents are to be released against payment, documents will be released only against such payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.Article 8Creation of DocumentsWhere the remitting bank instructs that either the collecting bank or the drawee is to create documents (bills of exchange promissory notes, trust receipts,letters of undertaking or other documents) that were not included in the collection, the form and wording of such documents shall be provided by the remitting bank, otherwise the collecting bank shall not be liable or responsible for the form and wording of any such document provided by the collecting bank and/or the drawee.C. Liabilities and ResponsibilitiesGood faith and Reasonable CareBanks will act in good faith and exercise reasonable care.Article 10Documents vs. Goods/Services/Performancesa.Goods should not be dispatched directly to the address of a bank or consigned to or to the order of a bank without prior agreement on the part of that bank.Nvertheless, in the event that goods are dispatched directly to the address of a bank or consigned to or to the order of a bank for release to a drawee against payment or acceptance or upon other terms and conditions without prior agreement on the part of that bank, such bank shall have no obligation to take delivery of the goods, which remain at the risk and responsibility of the party dispatching the goods.b. Banks have no obligation to take any action in respect of the goods to which a documentary collection relates, including storage and insurance of the goods even when specific instructions are given to do so. Banks will only take such action if, when, and to the extent that they agree to do so in each case, notwithstanding the provisions of sub-article 1 (c), this rule applies even in the absence of any specific advice to this effect by the collecting bank.c. Nevertheless, in the case that banks take action for the protection of the goods, whether instructed or not, they assume no liability or responsibility with regard to the fate and/or condition of the goods and/or for any acts and/or omissions on the part of any third parties entrusted with the custody and/or protection of the goods. However, the collecting bank must advise without delay the bank from which the collection instruction was received of any such action taken.d. Any charges and/or expensed incurred by banks in connection with any action taken to protect the goods will be for the account of the party from whom they received the collection.e. i. Notwithstanding the provisions of sub-article 10 (a), where the goods are consigned to or the order of the collecting bank and the drawee has honoured the collection by payment, acceptance or other terms and conditions, and the collecting bank arranges for the authorized the collecting bank to do so.ii.Where a collecting bank on the instructions of the remitting bank or in terms of sub-article 10 (e) i, arranges for the release of the goods, the remitting bank shall indemnify such collecting bank for all damages and expenses incured.Article 11Disclaimer For Acts of an Instructed Partya. Banks utilizing the services of another bank or other banks for the purposes of giving effect to the instructions of the principal, do so for the account and at the risk of such principal.b. Banks assume no liability or responsibility should the instructions they transmit not be carried out, even if they have themselves taken the initiative in the choice of such other bank(s).c. A party instructing another party to perform services shall be bound by and liable to indemnify the instructed party against all obligations and responsibilities imposed by foreign laws and usages.Article 12Disclaimer on Documents Receiveda.Bank must determine that the documents received appear to be as listed in the collectioninstruction and must advise by telecom-munication or, if that is not possible, by other expeditious means, without delay, the party from whom the collection instruction was received of any documents missing, or found t be other than listed.Banks have no further obligation in this respect.b. If the documents do not appear to be listed, the remitting bank shall be precluded from disputing the type and number of documents received by the collecting bank.c. Subject to sub-article 5 (c) and sub-article 12 (a) and 12 (b) above, banks will present documents as received without further examination.Article 13Disclaimer on Effectiveness of DocumentsBanks assume no liability or responsibility ofr the form, sufficiency,accuracy,genuineness,falsification or legal effect of any document (s) or superimposed thereon; nor do they assume any liability, condition,packing ,delivery, value of existence of the goods represented by any document (s),or for the good faith or acts and/or omission,solvency,performance or standing of the consignors, the carriers,the forwarders,the consignees or the insurers of the goods, or any other person whomsoever. Article 14Disclaimer on Delays,Loss in Transit and Translationa.Banks assume no liability or responsibility for the consequences arising out of delay and/or loss in transit of any message (s), letter(s) or document(s), or for delay,mutilation or other error(s) arising in transmission of any telecommunication or for error(s) in translation and/or interpretation of technical terms.b. Banks will not be liable or responsible for any delays resulting from the need to obtain clarification of any instructions received.Article 15Force MajeureBanks assume no liability or responsibility for consequence arising out of the interruption of their business by Acts of God, riots,civil commotios,insurrections, wars, or any other causes beyond their control or by strikes or lockouts.D. Payment。
国际惯例英文缩写语英语,贸易,商务英语.doc
国际惯例英文缩写语-英语,贸易,商务英语-商务指南- ADRThe C Amicable Dispute Resolution Rules《国际商会友好争议解决规则》DDOEXICC Rules for Documentary Instruments Dispute Resolution Expertise《跟单票据争议解决规则》EeUCPUCP Supplement to UCP500 for Electronic Presentation《跟单信用证统一惯例电子交单补充规则》特色栏目：··敬请关注FFIDIC ConditionsConditions of Contract for Works of Civil Engineering Construction《土木工程施工合同条件》IICCInstitute Cargo Clauses《伦敦协会货物条款》INCOTERMSInternational Rules for the Interpretation of Trade Terms《国际贸易术语解释通则》ISBPInternational Standard Banking Practice for the Examination of Documents under Documentary Credits《审核跟单信用证项下单据的国际标准实务》ISP 98International Standby Practice 1998《国际备用证惯例》PPICCPrinciples of International Commercial Contracts《国际商事合同通则》UUCPUniform Customs and Practice for Documentary Credits 《跟单信用证统一惯例》URC 522The Uniform Rules for Collection《托收统一规则》URCB 524Uniform Rules for Contract Bonds《合同保函统一规则》URCG 325Uniform Rules for Contract Guarantees《合同担保统一规则》URDG 458The Uniform Rules for Demand Guarantees《见索即付保函统一规则》URR 525The Uniform Rules for bank-to-bank Reimbursement Under Documentary Credits《跟单信用证项下银行间偿付统一规则》。
国际结算期末复习笔记 名词解释
《国际结算》复习名词解释联行Sister bank：一家银行总行、分行、支行之间以及分支行间的关系,联行包括国内联行与海外联行；代理行：两家不同国籍的银行通过相互委托办理代理业务建立往来关系称为代理关系，建立代理关系的银行互为代理行；账户行：代理行之间单方或双方相互在对方银行开立了账户的银行；代理行关系并不一定是账户行关系，或者说得更明确一些，代理行并不就是账户行；但是，反过来说，账户行却一定是代理行。
两家银行，只要其中一方在另一方开设账户，那么，不管另一方是否也对等地在第一方开设账户，他们之间的关系就既是代理行的关系，又是账户行的关系；当然，双方互设账户时的关系无疑更是这样。
价格术语：也称贸易术语，是规定价格的构成及买卖双方各自应承担的责任、费用、风险以及确定货物所有权转移时限的专门术语；国际商会制订，多次修订后被国际贸易实务界采用，最新规则《2010年国际贸易术语解释通则》SWIFT:环球银行金融电讯协会，一个国际银行间的非盈利合作组织，实质上是世界各国银行间的高速电讯网络；第2章票据票据 Bills ：出票人承诺自己或委托他人在特定时期向某人无条件支付一定金额的书面证据。
付对价：给付票据双方当事人认可的相对应的代价，这些代价可以是一定价值的货物、服务及货币；善意持票：受让人在支付对价后取得了表面完整、合格并且未过期的票据，而且他并未发现票据本身或票据转让人的权利有缺陷或有任何可疑之处，则为善意持票；正当持票人：是指在取得票据时，善意的付了对价的持票人，其取得的是表面完整、合格、未到期的票据，不知该票据曾被退票过，也不知前手的权利有何缺陷。
善意持票人对票据拥有完全的权利，并且不受其前手权利缺陷的影响，可以取得优于前手的票据权利；票据权利：是指依票据而行使的，以取得票据金额为直接母的的权利。
票据权利是基于票据行为人的票据行为而发生的，是与票据义务而相对存在的；票据义务：是指票据债务人依票据上所载文义支付票据金额及其他金额的义务；票据是出票人委托他人或承诺自己在特定时期向指定人或持票人无条件支付一定款项的书面证据；第3章票据汇票Bill：汇票是出票人签发的，委托付款人在见票时或者指定日期无条件支付确定的金额给收款人或者持票人的票据；承兑汇票：即需要承兑的汇票，付款人在汇票上签章表示承诺将来在汇票到期时承担付款义务的远期汇票；银行承兑汇票（B/A）：是指由公司、企业或个人开立的以银行为付款人并经付款银行承兑的远期汇票了；跟单汇票：是指附带有关单据的汇票，跟单汇票一般为商业汇票；本票Promissory Note：又称为期票，是出票人签发的，承诺自己在见票时无条件支付确定金额给收款人或者持票人的票据；支票Cheque/Check：是出票人签发的，委托办理支票存款业务的银行或者其他金融机构在见票时无条件支付确定的金额给收款人或者持票人的票据；它是一种特殊的汇票，是以银行为付款人的即期汇票，无远期；第4章票据票据行为：围绕票据所发生的，以确立、转移或保障票据权利义务关系为目的的法律行为，包括六种行为：出票、背书、承兑、参加承兑、保证、保付；票据义务人：凡具备票据能力、并按规定在票据上签名的人都是票据义务人，或狭义票据行为人就是票据义务人，票据义务人之间是连带义务、全部义务；第5章贸易汇款退汇：是指汇款在解付前的撤销，又叫撤销支付，退汇通常由汇款人提出，如果汇款尚未解付，银行一般会同意退汇；M/T：信汇，是汇出行应汇款人的申请，用航空信函指示汇入行解付一定金额给收款人的汇款方式；MailT/T：电汇，是汇出行应汇款人的申请，通过加押电报或电传指示汇入解付一定金额给收款人的汇款方式；TelegraphicD/D：票汇，是汇出行应汇款人的申请，开出银行即期汇票交汇款人，由其自行携带出国或寄送给收款人凭票取款的汇款方式；Remittance by Demand DraftO/A：赊销，买卖双方约定卖方先将货物交付买方,没有正式单据证明的展期信用,买方在约定的时间内付款；第6章跟单托收D/P：付款交单，是指代收行以进口商的付款为条件向进口商交单；D/A：承兑交单，是指代收行以进口商的承兑为条件向进口商交单；T/R ：信托收据，是指在远期付款交单（D/P远期）的托收业务中，当货物、单据到达目的地，而付款期限未到时，进口商为尽早提货而向代收行借出单据而出具的书面凭证；URC522：托收统一规则Uniform Rules for Collection，由国际商会于1958年制订，最新版本为1996年的522号出版物，简称 URC522，该规则是办理托收业务的最重要依据，但它只具有准强制性；第7-8章信用证保兑：是指开证行以外的银行保证对信用证承担付款责任；议付：是指银行有追索权地购买跟单汇票的行为，开证行可以指定议付行，也可以不指定；付款：是指银行以汇票付款人的身份向受益人支付票款的行为；偿付：信用证中指定的银行对议付行或付款行进行清偿垫款；保兑信用证：除开证行以外，如有另一家银行保证对符合信用证条款规定的的单据履行付款责任，则该信用证就是保兑信用证；预支信用证：是允许出口商在装货交单前支取部分货款的信用证；承兑信用证：是指付款行在收到符合信用证条款的单据及远期汇票后先予以承兑，汇票到期后再付款的信用证；可转让信用证：受益人可以将信用证的权利即装运货物（交货）、交单取款的权利转让给其他人的信用证；循环信用证：是在信用证的部分金额或全部金额被使用之后能恢复原金额再被利用的信用证；其适用于大额的、长期合同下的分批交货；L/C：信用证，是银行应开证申请人（进口商）的要求，向第三者（受益人、出口商）开立的承诺在一定期限内凭规定的单据支付一定金额的书面文件；UCP600：2006年10月，国际商会巴黎年会通过了《跟单信用证统一惯例》，简称UCP600；URR525：国际商会于1996年出版了《跟单信用证项下银行间偿付同意规则》，简称URR525，对银行间的偿付进行了规定，该规则从1996年7月1号开始实施；eUCP：跟单信用证统一惯例关于电子交单的附则，ICC又于2002年制定了《eUCP》，2002年4月1日生效，对信用证业务中电子交单的有关问题作出了专门规定；ISBP：ISBP是国际商会在信用证领域编纂的国际惯例，ISBP不仅是各国银行、进出口公司信用证业务单据处理人员在工作中的必备工具，也是法院、仲裁机构、律师在处理信用证纠纷案件时的重要依据，它的生效在各国的金融界、企业界、法律界产生重大影响；第9章银行保函担保与反担保：担保，是指法律为确保特定的债权人实现债权，以债务人或第三人的信用或者特定财产来督促债务人履行债务的制度；反担保，是指由反担保人应申请人的要求向担保人开立书面反担保文件，承诺当担保人在申请人违约后作出赔偿，且申请人不能向担保人提供补偿时，由反担保人提供补偿，并赔偿担保人的一切损失；指示行与转开行：转开行，是指接受原担保行的要求，向受益人开立以原担保行为申请人及反担保行、以自身为担保行的保函的银行；转开行转开保函后，成为新的担保行，原担保行便成为保函的指示行；转开行一般为受益人所在地银行，而指示行一般为申请人所在地银行；独立性保函，是指保函根据基础合同开立后，不依附于基础合同而存在，它是具有独立性法律效力的文件，担保人对受举益人的索赔要求是否支付，只依据保函本身的条款；索偿条件：是判断是否违约和凭以索偿的证明；见索即付：当申请人违约，受益人提示符合保函要求的全套正确的单据或文件时，担保人即可认定索偿有效，应立即予以赔付，而不得以任何理由拖延；SL/C：备用信用证，又称商业票据信用证、担保信用证，是一种特殊形式的光票信用证；根据美国联邦储备委员会的解释，备用信用证是“代表开证行对受益人承担一项义务的凭证”；《见索即付保函统一规则》（URDG）最初于1991年生效，之后逐渐被全球银行家、贸易家、行业协会及众多国际组织认可和使用，并成为见索即付保函业务（Demand Guarantee）的国际性权威实务操作标准。
跟单信用证项下银行间偿付统一规则
跟单信用证项下银行间偿付统一规则文章属性•【缔约国】国际商会•【条约领域】贸易•【公布日期】•【条约类别】其他•【签订地点】正文跟单信用证项下银行间偿付统一规则（1996年7月1日起执行国际商会第525号出版物）总则和定义第一条偿付统一规则的适用范围国际商会关于跟单信用证项下银行间偿付统一规则（简称“规则”）国际商会出版物第525号适用于将本规则列入偿付授权书正文的所有银行间的偿付，除非偿付授权书另有明白规定本规则对有关各方均具有约束力。
开证行负责在跟单信用证（简称“信用证”）注明索偿受到本规则的约束。
银行间偿付受到本规则约束时，偿付行应按开证行指示及／或开证行许可之下行事。
本规则不想要不顾或改变国际商会关于跟单信用证统一惯例的规定。
第二条定义当本规则使用下列名词时，本条款明确规定了它们的含义和当适合时可作单数或复数使用：（1）“开证行”意指开立信用证并在该证项下发出偿付授权书的银行。
（2）“偿付行”意指被指示及／或被授权按照开证行发出的偿付授权书提供偿付的银行。
（3）“偿付授权书”意指由开证行开致偿付行，并独立于信用证之外的指示及／或授权，要求偿付行向索偿行偿付，或者如果开证行这样要求偿付行去承兑和支付以后者为付款人的远期汇票。
（4）“偿付修改”意指开证行给予偿付行说明改变偿付授权书的通知。
（5）“索偿行”意指信用证项下付款，承担延期付款责任、承兑汇票或议付，并向偿付行提交索偿的银行。
索偿行应包括被授权代表付款、承担延期付款责任、承兑汇票或议付的银行提交索偿给偿付行的一家银行。
（6）“索偿”意指从索偿行发给偿付行要求偿付的请求。
（7）“偿付承诺”意指偿付行发出独立的不可撤销的承诺，它是在开证行的授权或请求下，被偿付行发给偿付授权书指名的索偿行去支付该行索偿，只要是与偿付承诺的条款和条件相符。
（8）“偿付承诺修改”意指偿付行给予偿付授权书指名的索偿行的通知书说明偿付承诺有所改变。
（9）就本规则而言，同一银行设在不同国家的分支机构将视为另一家银行。
《跟单信用证统一惯例中文版》(UCP600)
跟单信用证统一惯例（ICC UCP600中英文对照版）《跟单信用证统一惯例（UCP600）》第1条统一惯例的适用范围跟单信用证统一惯例2007年修订本，即国际商会第600号出版物，适用于任何在正文中明确表明按本惯例办理的跟单信用证(包括在其适用范围内的备用信用证)。
除非在信用证中明确对其适用予以修改或排除，本统一惯例的条文对有关各方都有约束力。
第2条定义就本惯例而言：“通知行”意指应开证行请求通知信用证的银行。
“申请人”意指提出开立信用证申请的一方。
“银行日”意指银行在其营业地正常营业，按照本惯例行事的行为得以在银行履行的日子。
“受益人”意指信用证中受益的一方。
“相符交单”意指与信用证中的条款及条件、本惯例中所适用的规定及国际标准银行实务相一致的交单。
“保兑”意指保兑行在开证行之外对于相符交单做出兑付或议付的确定承诺。
“保兑行”意指应开证行的授权或请求对信用证加具保兑的银行。
“信用证”意指一项约定，无论其如何命名或描述，该约定不可撤销并因此构成开证行对于相符交单予以兑付的确定承诺。
“兑付”意指：a. 对于即期付款信用证即期付款。
b. 对于延期付款信用证发出延期付款承诺并到期付款。
c. 对于承兑信用证承兑由受益人出具的汇票并到期付款。
“开证行”意指应申请人请求或代表其自身开立信用证的银行。
“议付”意指被指定银行在其应获得偿付的银行日或在此之前，通过向受益人预付或者同意向受益人预付款项的方式购买相符交单项下的汇票（汇票付款人为被指定银行以外的银行）及/或单据。
“指定银行”意指有权使用信用证的银行，对于可供任何银行使用的信用证而言，任何银行均为指定银行。
“交单”意指信用证项下单据被提交至开证行或被指定银行，抑或按此方式提交的单据。
“交单人”意指做出提示的受益人、银行或其他一方。
第3条释义就本惯例而言：在适用的条款中，词汇的单复数同义。
信用证是不可撤销的，即使信用证中对此未作指示也是如此。
单据可以通过手签、签样印制、穿孔签字、盖章、符号表示的方式签署，也可以通过其它任何机械或电子证实的方法签署。
《跟单信用证统一惯例中文版》(UCP600)
跟单信用证统一惯例（ICC UCP600中英文对照版）《跟单信用证统一惯例（UCP600）》第1条统一惯例的适用范围跟单信用证统一惯例2007年修订本，即国际商会第600号出版物，适用于任何在正文中明确表明按本惯例办理的跟单信用证(包括在其适用范围内的备用信用证)。
除非在信用证中明确对其适用予以修改或排除，本统一惯例的条文对有关各方都有约束力。
第2条定义就本惯例而言：“通知行”意指应开证行请求通知信用证的银行。
“申请人”意指提出开立信用证申请的一方。
“银行日”意指银行在其营业地正常营业，按照本惯例行事的行为得以在银行履行的日子。
“受益人”意指信用证中受益的一方。
“相符交单”意指与信用证中的条款及条件、本惯例中所适用的规定及国际标准银行实务相一致的交单。
“保兑”意指保兑行在开证行之外对于相符交单做出兑付或议付的确定承诺。
“保兑行”意指应开证行的授权或请求对信用证加具保兑的银行。
“信用证”意指一项约定，无论其如何命名或描述，该约定不可撤销并因此构成开证行对于相符交单予以兑付的确定承诺。
“兑付”意指：a. 对于即期付款信用证即期付款。
b. 对于延期付款信用证发出延期付款承诺并到期付款。
c. 对于承兑信用证承兑由受益人出具的汇票并到期付款。
“开证行”意指应申请人请求或代表其自身开立信用证的银行。
“议付”意指被指定银行在其应获得偿付的银行日或在此之前，通过向受益人预付或者同意向受益人预付款项的方式购买相符交单项下的汇票（汇票付款人为被指定银行以外的银行）及/或单据。
“指定银行”意指有权使用信用证的银行，对于可供任何银行使用的信用证而言，任何银行均为指定银行。
“交单”意指信用证项下单据被提交至开证行或被指定银行，抑或按此方式提交的单据。
“交单人”意指做出提示的受益人、银行或其他一方。
第3条释义就本惯例而言：在适用的条款中，词汇的单复数同义。
信用证是不可撤销的，即使信用证中对此未作指示也是如此。
单据可以通过手签、签样印制、穿孔签字、盖章、符号表示的方式签署，也可以通过其它任何机械或电子证实的方法签署。
信用状项下银行间补偿统一规则
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延伸閱讀
託收統一規則(URC522) 2000年版國貿條規(Incoterms 2000) 國際擔保函慣例(ISP98) 國際標準銀行實務 (ISBP) (2007年版) 信用狀交易糾紛解析--信用狀理論及UCP在信用狀作業 之應用 信用狀統一慣例+電子信用狀統一慣例 (UCP600+eUCP) 信用狀統一慣例(UCP600)註釋
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目 錄
第一條 第二條 第三條 第四條 第五條 第六條 第七條 第八條 補償統一規則之適用 定義 補償授權書與信用狀 補償請求之兌付 開狀銀行之責任 補償授權書或補償修改書之簽發與收受 補償授權書之有效期限 補償授權書之修改或取消
4Байду номын сангаас
目 錄
第 九 條 第 十 條 第十一條 第十二條 第十三條 第十四條 第十五條 第十六條 第十七條 補償承諾書 補償請求之標準 補償請求之處理 補償授權之重複 外國法律及習慣 訊息傳送之免責 不可抗力 費用 利息請求/價值損失
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Contents
Article 9 Article 10 Article 11 Article 12 Article 13 Article 14 Article 15 Article 16 Article 17 Reimbursement Undertaking Standards for a Reimbursement Claim Processing a Reimbursement Claim Duplication of a Reimbursement Authorization Foreign Laws and Usages Disclaimer on the Transmission of Messages Force Majeure Charges Interest Claims/Loss of Value
托收统一规则URC522中英文版5
f. If the remitting bank does not nominate a specific presenting bank, the collecting bank may utilize a presenting bank of its choice.Article 6Sight/AcceptanceIn the case of documents payable at sight the presenting bank must make presentation for payment without delay.In the case of documents payable at a tenor other than sight the presenting bank must, where acceptance is called for, make presentation for acceptance without delay, and where payment is called for, make presentation for payment not later than the appropriate maturity date.Article 7Release of Commercial DocumentsDocuments Against Acceptance (D/A) vs. Documents Against Payment (D/P)a.Collection should not contain bills of exchange payable at a future date with instruction that commercial documents are to be delivered against payment.b. If a collection contains a bill of exchange payable at a future date, the collection instruction should state whether the commercial documents are to be released to the drawee against acceptance (D/A) or against payment (D/P).In the absence of such statement commercial documents will be released only against payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.c. If a collection contains a bill of exchange payable at a future date and the collection instruction indicates that commercial documents are to be released against payment, documents will be released only against such payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.Article 8Creation of DocumentsWhere the remitting bank instructs that either the collecting bank or the drawee is to create documents (bills of exchange promissory notes, trust receipts,letters of undertaking or other documents) that were not included in the collection, the form and wording of such documents shall be provided by the remitting bank, otherwise the collecting bank shall not be liable or responsible for the form and wording of any such document provided by the collecting bank and/or the drawee.C. Liabilities and ResponsibilitiesGood faith and Reasonable CareBanks will act in good faith and exercise reasonable care.Article 10Documents vs. Goods/Services/Performancesa.Goods should not be dispatched directly to the address of a bank or consigned to or to the order of a bank without prior agreement on the part of that bank.Nvertheless, in the event that goods are dispatched directly to the address of a bank or consigned to or to the order of a bank for release to a drawee against payment or acceptance or upon other terms and conditions without prior agreement on the part of that bank, such bank shall have no obligation to take delivery of the goods, which remain at the risk and responsibility of the party dispatching the goods.b. Banks have no obligation to take any action in respect of the goods to which a documentary collection relates, including storage and insurance of the goods even when specific instructions are given to do so. Banks will only take such action if, when, and to the extent that they agree to do so in each case, notwithstanding the provisions of sub-article 1 (c), this rule applies even in the absence of any specific advice to this effect by the collecting bank.c. Nevertheless, in the case that banks take action for the protection of the goods, whether instructed or not, they assume no liability or responsibility with regard to the fate and/or condition of the goods and/or for any acts and/or omissions on the part of any third parties entrusted with the custody and/or protection of the goods. However, the collecting bank must advise without delay the bank from which the collection instruction was received of any such action taken.d. Any charges and/or expensed incurred by banks in connection with any action taken to protect the goods will be for the account of the party from whom they received the collection.e. i. Notwithstanding the provisions of sub-article 10 (a), where the goods are consigned to or the order of the collecting bank and the drawee has honoured the collection by payment, acceptance or other terms and conditions, and the collecting bank arranges for the authorized the collecting bank to do so.ii.Where a collecting bank on the instructions of the remitting bank or in terms of sub-article 10 (e) i, arranges for the release of the goods, the remitting bank shall indemnify such collecting bank for all damages and expenses incured.Article 11Disclaimer For Acts of an Instructed Partya. Banks utilizing the services of another bank or other banks for the purposes of giving effect to the instructions of the principal, do so for the account and at the risk of such principal.b. Banks assume no liability or responsibility should the instructions they transmit not be carried out, even if they have themselves taken the initiative in the choice of such other bank(s).c. A party instructing another party to perform services shall be bound by and liable to indemnify the instructed party against all obligations and responsibilities imposed by foreign laws and usages.Article 12Disclaimer on Documents Receiveda.Bank must determine that the documents received appear to be as listed in the collectioninstruction and must advise by telecom-munication or, if that is not possible, by other expeditious means, without delay, the party from whom the collection instruction was received of any documents missing, or found t be other than listed.Banks have no further obligation in this respect.b. If the documents do not appear to be listed, the remitting bank shall be precluded from disputing the type and number of documents received by the collecting bank.c. Subject to sub-article 5 (c) and sub-article 12 (a) and 12 (b) above, banks will present documents as received without further examination.Article 13Disclaimer on Effectiveness of DocumentsBanks assume no liability or responsibility ofr the form, sufficiency,accuracy,genuineness,falsification or legal effect of any document (s) or superimposed thereon; nor do they assume any liability, condition,packing ,delivery, value of existence of the goods represented by any document (s),or for the good faith or acts and/or omission,solvency,performance or standing of the consignors, the carriers,the forwarders,the consignees or the insurers of the goods, or any other person whomsoever. Article 14Disclaimer on Delays,Loss in Transit and Translationa.Banks assume no liability or responsibility for the consequences arising out of delay and/or loss in transit of any message (s), letter(s) or document(s), or for delay,mutilation or other error(s) arising in transmission of any telecommunication or for error(s) in translation and/or interpretation of technical terms.b. Banks will not be liable or responsible for any delays resulting from the need to obtain clarification of any instructions received.Article 15Force MajeureBanks assume no liability or responsibility for consequence arising out of the interruption of their business by Acts of God, riots,civil commotios,insurrections, wars, or any other causes beyond their control or by strikes or lockouts.D. Payment。
跟单信用证统一惯例中英文版UCP
跟单信用证统一惯例（ICC UCP600中英文对照版）Article 1 Application of UCP第一条统一惯例的适用范围The Uniform Customs and Practice for Documentary Credits, 2007 Revision, ICC Publication no. 600 (“UCP”) are rules that apply to any documentary credit (“credit”) (including, to the e xtent to which they may be applicable, any standby letter of credit) when the text of the credit expressly indicates that it is subject to these rules. They are binding on all parties thereto unless expressly modified or excluded by the credit.跟单信用证统一惯例，2007年修订本，国际商会第600号出版物，适用于所有在正文中标明按本惯例办理的跟单信用证（包括本惯例适用范围内的备用信用证）。
除非信用证中另有规定，本惯例对一切有关当事人均具有约束力。
Article 2 Definitions第二条定义For the purpose of these rules:就本惯例而言：Advising bank means the bank that advises the credit at the request of the issuing bank.通知行意指应开证行要求通知信用证的银行。
Applicant means the party on whose request the credit is issued.申请人意指发出开立信用证申请的一方。
托收统一规则URC522中英文版2
第九条遇有即期付款的单据，提⽰⾏必须毫⽆延误地提⽰要求付款。
遇有即期付款以外的远期付款的单据，在要求取得承兑时，提⽰⾏必须毫⽆延误地提⽰要求承兑；当需要付款时，必须不迟于规定的到期⽇提⽰要求付款。
第⼗条关于跟单托收中包括有远期付款的汇票，该项托收指⽰书中必须载明在承兑后抑或在付款后将商业单据交给受票⼈承兑交单或付款交单（D/A OR D/P）。
如⽆此载明，商业单据只有在付款后交付。
★付款 第⼗⼀条遇有单据是⽤付款所在国的货币（当地货币）⽀付，除⾮在托收指⽰书中另有规定，提⽰⾏必须在当地货币⽀付后，才能把单据交与受票⼈，⽽该项当地货币应依照托收指⽰中所规定的办法能⽴即处理。
第⼗⼆条遇有单据是以付款国以外的货币（外国货币）⽀付，除⾮在托收指⽰书中另有规定，提⽰⾏必须在有关外国货币⽀付后才能把单据交与受票⼈，⽽该项外国货币应能够依照托收指⽰书中规定⽴即汇出。
第⼗三条关于光票托收的部分付款，仅在付款地现⾏法律准许部分付款的限度和条件下，才可以接受。
但单据仅在全部款项业已收到时才能交与受票⼈。
关于跟单托收的部分付款，仅在托收指⽰书内特别授权的情况下，提⽰⾏才能受理。
但除另有指⽰外，提⽰⾏仅在全部款项已收到后才能把单据交与受票⼈。
在任何场合下，只有符合第⼗⼀条或第⼗⼆条两者之⼀的规定后才能接受部分付款。
部分付款如⼀经接受，应按第⼗四条的规定进⾏处理。
第⼗四条收到的款项（如有各种⼿续费和（或）开⽀和（或）费⽤，则在扣除后）必须按照指⽰书的规定，⽆迟延地解交发出指⽰书的银⾏予以⽀配。
★承兑 第⼗五条提⽰⾏应负责查看汇票上的承兑形式在表⾯上是否完整和正确，但对签名的真实性或签名⼈是否有签署承兑权限概不负责。
★期票、收据和其他类似的⽀付凭证 第⼗六条提⽰⾏对期票、收据或其他类似的⽀付凭证的签名的真实性或签名⼈是否有权签署的权限概不负责。
★拒绝证书 第⼗七条托收指⽰书对于在遭到拒绝承兑或拒绝付款时，是否需要作出拒绝证书（或采取其他可以代替的法律⼿续）应给予特别指⽰。
UCP500跟单信用证统一惯例中英文对照
《跟单信用证统一惯例》1993年（修订本）Uniform Customs and Practice for Documentary Credits国际商会第500号出版物 (ICC Publication No.500)Ａ、总则与定义 General Provisions and Definitions第一条统一惯例的适用围 Application of UCP《跟单信用证统一惯例，１９９３年修订本》即，国际商会第５００号出版物，适用于所有在信用证文本中标明按本惯例办理的跟单信用证（包括本惯例适用围的备用信用证），除非信用证中另有明确规定，本惯例对一切有关当事人均具有约束力。
The Uniform Customs and Practice for Documentary Credits, 1993 Revision, ICC Publication No.500, shall apply to all Documentary Credits (including to the extent to which they may be applicable, Standby Letter(s) of Credit) where they are incorporated into the text of the Credit. They are binding on all parties thereto, unless otherwise expressly stipulated in the Credit.第二条信用证的意义就本惯例而言，“跟单信用证”和“备用信用证”（以下统称“信用证”）意指一项约定，不论如何命名或描述，系指一家银行（“开证行”）应客户（“申请人”）的要求和指示或以其自身的名义，在与信用证条款相符的条件下，凭规定的单据：for the purposes of these Articles, the expressions “Documentary Credit(s)” and “Standby Letter(s) of Credit” (hereinafter referred to as “Credit(s)”) mean any arrangement, however named or described, whereby a bank (the Issuing Bank) acting at the request and on the instructions of a customer (the Applicant ) or on its own behalf,Ⅰ．向第三者（“受益人”）或其指定人付款，或承兑并支付受益人出具的汇票，或 is to make a payment to or to the order of a third party (the Beneficiary), or is to accept and pay bills of exchange (Draft(s) drawn by the Beneficiary, or Ⅱ．授权另一家银行付款，或承兑并支付该汇票，或 authorizes another bank to effect such payment, or to accept and pay such bills of exchange (Draft(s)), or Ⅲ．授权另一家银行议付。
(2021年整理)托收统一规则URC522中英文版
托收统一规则URC522中英文版编辑整理：尊敬的读者朋友们：这里是精品文档编辑中心，本文档内容是由我和我的同事精心编辑整理后发布的，发布之前我们对文中内容进行仔细校对，但是难免会有疏漏的地方，但是任然希望（托收统一规则URC522中英文版）的内容能够给您的工作和学习带来便利。
同时也真诚的希望收到您的建议和反馈，这将是我们进步的源泉，前进的动力。
本文可编辑可修改，如果觉得对您有帮助请收藏以便随时查阅，最后祝您生活愉快业绩进步，以下为托收统一规则URC522中英文版的全部内容。
托收统一规则URC522 中英文版托收统一规则（１９７８年国际商会修订）★总则和定义:Ａ．本总则、定义以及下列条文适用于下面（Ｂ)所限定的一切托收。
除非另有明示同意，或除非与一国、一州或地方所不得违反的法律条例的规定相抵触，它们对所有当事人都具有约束力。
Ｂ．就本规则、定义和条文而言：１．I．”托收"是指银行根据所收到的指示来处理下面（II)项所限定的单据，为了：ａ．取得承兑，和（或）视情况予以付款,或者ｂ．在承兑后，和（或）视情况在付款后交付商业单据，或者ｃ．按照其他条件交付单据。
II．”单据"是指资金单据和(或）商业单据：ａ．”资金单据”是指汇票、期票、支票、付款收据或其他用于取得付款的类似凭证；ｂ．”商业单据”是发票、装运单据、所有权单据或其他类似的单据，或者一切不属于资金单据的其他单据。
III．"光票托收”是指资金单据的托收，不附有商业单据。
Ⅳ．"跟单托收"是指:ａ．资金单据的托收，附有商业单据；ｂ．商业单据的托收,不附有资金单据.２．"有关当事人"是指：I．"委托人"，是指委托银行，办理托收业务的客户；II．"委托行"，是指受委托人的委托，办理托收业务的银行;III．"代收？是指除委托行以外，参与办理托收指示的任何银行;Ⅳ．”提示行”是指向付款人作出指示的代收行。
托收统一规则URC522中英文版
托收统一规则URC522中英文版编辑整理：尊敬的读者朋友们：这里是精品文档编辑中心，本文档内容是由我和我的同事精心编辑整理后发布的，发布之前我们对文中内容进行仔细校对，但是难免会有疏漏的地方，但是任然希望（托收统一规则URC522中英文版）的内容能够给您的工作和学习带来便利。
同时也真诚的希望收到您的建议和反馈，这将是我们进步的源泉，前进的动力。
本文可编辑可修改，如果觉得对您有帮助请收藏以便随时查阅，最后祝您生活愉快业绩进步，以下为托收统一规则URC522中英文版的全部内容。
托收统一规则URC522 中英文版托收统一规则（１９７８年国际商会修订）★总则和定义:Ａ．本总则、定义以及下列条文适用于下面（Ｂ)所限定的一切托收。
除非另有明示同意，或除非与一国、一州或地方所不得违反的法律条例的规定相抵触，它们对所有当事人都具有约束力。
Ｂ．就本规则、定义和条文而言：１．I．”托收"是指银行根据所收到的指示来处理下面（II)项所限定的单据，为了：ａ．取得承兑，和（或）视情况予以付款,或者ｂ．在承兑后，和（或）视情况在付款后交付商业单据，或者ｃ．按照其他条件交付单据。
II．”单据"是指资金单据和(或）商业单据：ａ．”资金单据”是指汇票、期票、支票、付款收据或其他用于取得付款的类似凭证；ｂ．”商业单据”是发票、装运单据、所有权单据或其他类似的单据，或者一切不属于资金单据的其他单据。
III．"光票托收”是指资金单据的托收，不附有商业单据。
Ⅳ．"跟单托收"是指:ａ．资金单据的托收，附有商业单据；ｂ．商业单据的托收,不附有资金单据.２．"有关当事人"是指：I．"委托人"，是指委托银行，办理托收业务的客户；II．"委托行"，是指受委托人的委托，办理托收业务的银行;III．"代收？是指除委托行以外，参与办理托收指示的任何银行;Ⅳ．”提示行”是指向付款人作出指示的代收行。
URCB524中文
国际商会合同保函统一规则（1993年国际商会第524号出版物）导言本《规则》是由代表保险委员会以及建筑业、工程技术行业的成员所组成的国际商会工作组，就合同保函在世界范围内的广泛适用而起草的。
这些保函设定的债务具有从属性。
保证人或者担保人的责任由此产生，其前提条件是承揽人（在本《规则》中被界定为主债务人）违反了作为保函客体的合同。
因此，只有各方当事人一致同意，担保人的债务依赖于主债务人根据有关合同所负义务或责任时，本《规则》才能予以适用。
《规则》调整的保函的运作价值是，就合同债务的履行或者执行、合同中主债务人由于义务之违反或者违约而对受益人所欠金额的给付，而向受益人提供担保。
保函的目的在于确保，在担保的金额内，合同中载明的义务得到履行或执行，或在发生违约时，受益人的金钱债权能够得到适当清偿，而不问主债务人是否丧失了支付能力，或者由于其他原因而未能履行其给付义务或清偿责任。
所以，当本《规则》所调整的保函有效时，受益人可以通过担保人的从属性债务，以确保每个有管辖权的法院或者仲裁庭作出的判决书或裁决书得到执行。
《规则》所调整的保函中各方当事人之间的关系与《见索即付担保统一规则》所调整的关系有所不同。
如果当事人的目的是，使受益人就主债务人的合同债务取得担保，而担保人责任只在违约情形确定时才能产生，就应当选择该《规则》。
总则本《规则》旨在提供一套清晰而严谨的方案，以调整根据保函所产生的债务的性质和请求程序。
本《规则》所调整的保函的性质是，当事人的债务不仅与当事人根据合同所负的债务直接相关，而且依赖于后者。
所以，本《规则》并不包含涉及文件要求或者不公正请求的详细条款。
本《规则》规定，一旦围绕担保人的责任产生争议，此种争议按照合同规定处理。
由于担保人的责任在违约情形得以确定时才能产生，这就保护了担保人和主债务人的利益。
如果主债务人未能履行判决书或者裁决书，担保人有义务代其履行。
这是对受益人利益的一种保护。
如果各方当事人明确地把本《规则》纳入合同条款，本《规则》就应予以适用。
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Uniform Rules for Bank to Bank Reimbursements Under Documentary Credits跟单信用证项下银行间偿付统一规则（URR525）TABLE OF CONTENTSA. General Provisions and Definitions总则和定义Article 1 Application of URR第一条统一规则的适用范围Article 2 Definitions第二条定义Article 3 Reimbursement Authorisations Versus Credits 第三条偿付授权与信用证偿付授权B. Liabilities and Responsibilities B．责任和义务Article 4 Honour of a Reimbursement Claim第四条对索偿要求的偿付Article 5 Responsibilities of the Issuing Bank第五条开证行的义务Article 6 Issuance and Receipt of a Reimbursement Authorisation or Reimbursement Amendment第六条偿付授权和其修改的出具及接收Article 7 Expiry of a Reimbursement Authorisation第七条偿付授权的有效日期Article 8 Amendment or Cancellation of Reimbursement Authorisations第八条偿付授权的修改或撤销Article 9 Reimbursement Undertakings第九条偿付承诺Article 10 Standards for Reimbursement Claims第十条索偿要求的标准Article 11 Processing Reimbursement Claims 第十一条索偿要求的处理Article 12 Duplications of Reimbursement Authorisations 第十二条偿付授权的重复D. Miscellaneous Provisions D．其它条款Article 13 Foreign Laws and Usages第十三条国外法律和惯例Article 14 Disclaimer on the Transmission of Messages第十四条电文传递差错的免责Article 15 Force Majeure第十五条不可抗力Article 16 Charges第十六条费用Article 17 Interest Claims/Loss of Value第十七条利息索赔和价值损失利息损失A. General Provisions and Definitions总则和定义Article 1 Application of URR第一条统一规则的适用范围The Uniform Rules for Bank-to-Bank Reimbursementsunder Documentary Credits ("Rules"), ICC Publication No 525, shall apply to all Bank-to-Bank Reimbursements where they are incorporated into the text of the Reimbursement Authorisation. They are binding on all parties thereto, unless otherwise expressly stipulated in the Reimbursement Authorisation. The Issuing Bank is responsible for indicating in the Documentary Credit ("Credit") that Reimbursement Claims are subject to these Rules. In a Bank-to-Bank Reimbursement subject to these Rules, the Reimbursing Bank acts on the instructions and/or under the authority of the Issuing Bank. These Rules are not intended to override or change the provisions of the ICC Uniform Customs and Practice for Documentarv Credits..跟单信用证项下银行间偿付统一规则，即国际商会第 525 号出版物，适用于在偿付授权中注明适用于本统一规则的所有银行间的偿付。
除非偿付授权另有规定，本规则对有关各方均具有约束力。
开证行有义务在跟单信用证（信用证）中注明索偿要求遵循本规则。
根据本规则进行的银行间偿付，偿付行应在开证行的指示和／或授权下行事。
本统一规则并不是要代替或改变国际商会跟单信用证统一惯例的有关条文。
Article 2 Definitions第二条定义As used in these Rules, the following terms shall have the meanings specified in this Article and may be used in the singular or plural as A．appropriate: a) "Issuing Bank" shall mean the bank that has issued a Credit and the Reimbursement Authorisation under that Credit. b) "Reimbursing Bank" shall mean the bank instructed and/or authorised to provide reimbursement pursuant to a Reimbursement Authorisation issued by the Issuing Bank. c) "Reimbursernent Authorisation" shall mean an instruction and/or authorisation, independent of the Credit, issued by an Issuing Bank to a Reimbursing Bank to reimburse a Claiming Bank, or, if so requested by the Issuing Bank, to accept and pay a time draft(s) drawn on the Reimbursing Bank.本统一规则的下列术语具有本条款规定的定义且可用于单数或复数形式。
a)．“开证行”是指开立信用证并作出信用证项下偿付授权的银行。
b)．“偿付行”是指按照开证行偿付授权的指示和／或授权作出偿付的银行。
c)．“偿付授权”是指开证行向偿付行作出的要求其向索偿行进行偿付，或应开证行的要求承兑并到期支付以偿付行为付款人的远期汇票的一种指示或授权，该项指示或授权独立于信用证之外。
d) "Reimbursement Amendment" shall mean an advice from the Issuing Bank to a Reimbursing Bank stating changes to a Reimbursement Authorisation. e) "Claiming Bank" shall mean a bank that pays, incurs a deferred payment undertaking, accepts draft(s), or negotiates under a Credit and presents a Reimbursement Claim to the Reimbursing Bank. "Claiming Bank" shall include a bank authorised to present a Reimbursement Claim to the Reimbursing Bank on behalf of the bank that pays, incurs a deferred payment undertaking, accepts draft(s), or negotiates. f) "Reimbursement Claim" shall mean a request for reimbursement from the Claiming Bank to the Reimbursing Bank.d)．“偿付授权修改”是指开证行发给偿付行对偿付授权进行修改的通知。
e)．“索偿行”是指在信用证项下作出付款，迟期付款承诺，承兑汇票或议付并向偿付行提示索偿要求的银行。
“索偿行”还应包括被授权代表作出付款，迟期付款承诺，承兑汇票，或议付的银行向偿付行提示索偿要求的银行。
f)．“索偿要求”是指索偿行向偿付行提交的要求偿付的请求。
g) "Reimbursement Undertaking" shall mean a separate irrevocable undertaking of the Reimbursing Bank, issued upon the authorisation or request of the Issuing Bank, to the Claiming Bank named in the Reimbursement Authorisation, to honour that bank's Reimbursement Claim provided the terms and conditions of the Reimbursement Undertaking have been complied with. h) "Reimbursement Undertaking Amendment" shall mean an advice from the Reimbursing Bank to the Claiming Bank named in the Reimbursement Authorisation, stating changes to a Reimbursement Undertaking. i) For the purposes of these Rules branches of a bank in different countries are considered separate banks.g)．“偿付承诺”是指在开证行授权或请求下，偿付行向偿付授权中指定的索偿行作出的，在偿付承诺的条件得以满足的条件下，保证偿付该索偿要求的一种单独的不可撤销的承诺。