第四章 信用证(1)

案例2.开证申请书上写明货物为”Grade A”，开证 行在开立信用证时漏掉此项内容，虽然后来受益人 提供的单据与信用证相符，但申请人追究开证行责 任，拒绝付款赎单。
思考：此时开证行应该付款给出口商吗？
案例3：A出口公司与B进口公司就“金鸡”牌调料 签 订买卖合同，信用证支付。B公司通过开证行开出 的信用证却为“金”牌。A公司在办理议付时所提 交 的单据显示也为“金鸡”牌，但议付行拒付。A认 为 合同签订的为”金鸡”牌，实际装运的也为“金鸡” 牌，拒付无理。
22. The authority of the “case of need” must be specified in the collection order. √
23.In the case of documents payable at sight ,the presenting bank must make presentation for payment without delay.√
3.信用证是不是独立于买卖合同的自足性文件？ （信用证下的三方契约安排）
案例：独立的三方契约
案例1: 某出口商A与某进口商B签订买卖合同，并约 定通过信用证方式结算，B如期通过银行C开出信用 证。但之后A提交的单据存在与信用证不符，C拒付 而A获悉B已通知C放弃不符。 思考：A能否以此为理由要求C付款？
24.Question: Relative parties in the draft of documentary Draft for collection 25. Practice
Chapter Four
Letter of credit
第四章 信用证
Section One Basic knowledge of L/C 第一节 信用证的基本知识 Section Two Relative cases of L/C
9. Documentary bill for collection can be divided into (D/P ) and ( D/A ) ,while regarding to the risks of the seller,( D/P ) bears less danger.
10.In clean draft for collection, it can be accompanied
Chapter Review
1.The withdraw of money is called cancellation of remittance, it is a taking-back of fund before its pay -ment. But once the paying bank has paid money, It can’t be cancelled. √ 2.Payment on delivery is beneficial to the exporter, while bad to the importer. × 3.Payment in advance is beneficial to the exporter, while bad to the importer. √
17.D/P·T/R意指 ( C ). A.付款交单 B.承兑交单 C.付款交单凭信托收据借单 D.承兑交单凭信托收据借单
18.在一笔托收业务中,下列属于代收行应做的工作 是( D ). A.制作托收委托书,向付款人提示跟单汇票 B.开立跟单汇票,制作托收委托书
C.缮制托收指示,谨慎处理货物
D.谨慎处理货物,向付款人提示跟单汇票
一、The definition of Letter of Credit
信用证是银行有条件的付款承诺；
它是开证银行根据申请人的要求和指示，向受 益人开立的，在一定期限内凭规定的单据，在指定 的地点支付一定金额的书面保证。
二、The charact.信用证是单据买卖还是货物买卖？
14.汇款的解付是汇出行向汇入行拨付头寸的行 为.×
15.当汇出行在汇入行有账户时,汇出行可采用(C)的 方式偿付汇入行.
A.主动贷记汇入行在汇出行的账户
B.主动贷记汇出行在汇入行的账户 C.授权汇入行借记汇出行在汇入行的账户
D.借记汇入行在汇出行的账户
16. In the case of D/D, the instrument is ( B ) A. Trade draft; B. Bank draft; C. Promissory note; D. Check.
总结:
申请人因与开证行或与受益人之间的关系而产 生的索赔或抗辩不得影响银行的付款承诺。
Presenting---payment-----document 即期付款交单：提示---付款----交单 Presenting---accepting----document---payment 承兑交单：提示---承兑---交单---付款
8.Depending on whether the draft was accompanied by some document, collection can be classified as ( 光票托收 ) and ( 跟单托收 ).
19.In the three forms of remittance, T/T is remittance, while M/T is reverse remittance.× 20.If the instructions are D/P , the importer’s bank will release the documents to the importer only against payment.√ 21.The principal is usually the importer. ×
7.Documentary collection can be divided into (付款 交单 ) and ( 承兑交单 ) Relative question:
Presenting---accepting---payment---document 远期付款交单：提示---承兑---付款---交单
思考：议付行拒付合理吗？
该案例的拓展分析：
假设本案中其他条件不变，A装运的是“金鸡”牌， 但单据也出了错误，显示为“金”牌，那么议付行 会 付款吗？
案例4.虽单证相符，但申请人由于受益人以前的一 笔出口货物的索赔尚未解决，要求开证行拒付，用 这笔货款来抵偿该索赔。 思考：开证行应该答应申请人这一要求还是及时对 外付款？
4.售定和寄售是一样的，所以这两种方式买方都愿意接
受。× 5.In international trade, when two parties use remittance to settle right and debt, there are two ways, which are (预付)and (到付)。 6.The basic parties in collection include ( BCDE ) A. presenting bank; B. drawee; C. collecting bank; D. remitting bank; E. principal
by commercial documents or not.×
11.托收指示的收款指示:
( B)
(1)当托收行在代收行开立账户时, ___托收行账户 (2)当代收行在托收行开立账户是, ___代收行账户. A.借记—贷记 B.贷记—借记 C.借记—借记 D.贷记—贷记
12.T/T,M/T. D/D was classified by ( D ) A. The direction of the fund and instruments; B. Different instruments C. Different draft; D. By which means paying bank was informed by the remitting bank about the remittance
第二节 信用证的相关案例
Section One Basic knowledge of L/C
一、The definition and characteristic of L/C 二、Main parties of L/C 三、Main procedures of L/C
四、Types of L/C and its function of L/C
13.In documentary collection, the difference between D/P at sight, D/P after sight and D/A was taken place between (D) A. The principal and remitting bank; B. The principal and collecting bank C. The remitting bank and collecting bank; D. The collecting bank and drawee.