信用证的中英文流程
国际信用证的使用流程
国际信用证的使用流程1. 什么是国际信用证国际信用证（International Letter of Credit）是国际贸易中一种常用的支付方式，它是由国际商会所制定的一种支付保障工具。
国际信用证通常由买卖双方的银行作为中介，保障卖方在交付货物或提供服务后能够获得款项支付。
2. 国际信用证的基本流程国际信用证的基本流程包括以下几个步骤：•卖方提交询价报价：卖方在交易开始前，向买方银行提供询价报价以获取信用证；•买方开立信用证：买方通过其银行向卖方的银行开立信用证，明确交易细节、付款条件等；•卖方准备货物：卖方按照合同要求准备货物，并确保符合信用证中的要求；•卖方向银行出具单据：卖方在交货后向银行出具符合信用证要求的单据；•卖方提交单据：卖方将准备好的单据提交给开证行；•开证行核验单据：开证行对提交的单据进行核验，确认是否符合信用证的要求；•开证行付款：开证行根据信用证的约定付款给卖方；•买方接收货物：买方根据信用证的约定接收货物，并确认满意；•开证行向买方索取款项：开证行向买方索取相应的付款款项。
3. 国际信用证操作的注意事项在使用国际信用证的过程中，有几点需要特别注意：•仔细阅读信用证条款：作为卖方，确保准确理解信用证条款，以免出现误解或无法遵守的情况；•确保单据符合要求：卖方在准备单据时，需要仔细核对信用证的要求，确保单据完全符合要求；•及时通知有关方：当准备好单据后，及时通知相关方，确保交易顺利进行；•主动沟通解决问题：当出现问题或疑问时，及时与银行进行沟通解决，避免延误交易；•妥善保管单据：无论是卖方还是买方，都需要妥善保管好相关单据，以备后续审查或索赔时使用。
4. 国际信用证的优势和风险国际信用证作为一种支付工具，具有以下优势：•保障双方利益：国际信用证保障了卖方在完成交货后能够获得款项支付，同时也保障了买方在支付款项前能够获得货物；•减少支付风险：国际信用证由银行担保，减少了支付风险，提高了交易安全性；•便于融资：卖方可以将信用证作为融资工具，向银行申请贷款；•充分利用银行服务：国际信用证需要通过银行进行操作，卖方和买方可以充分利用银行的服务和资源。
信用证的中英文流程
信用证的中英文流程信用证操流程跟单信用证操作的流程简述如下：1。
买卖双方在贸易合同中规定使用跟单信用证支付.2.买方通知当地银行（开证行）开立以卖方为受益人的信用证。
3.开证行请求另一银行通知或保兑信用证。
4.通知行通知卖方,信用证已开立。
5.卖方收到信用证，并确保其能履行信用证规定的条件后，即装运货物。
6.卖方将单据向指定银行提交。
该银行可能是开证行，或是信用证内指定的付款、承兑或议付银行。
7.该银行按照信用证审核单据.如单据符合信用证规定,银行将按信用证规定进行支付、承兑或议付。
8。
开证行以外的银行将单据寄送开证行。
9。
开证行审核单据无误后,以事先约定的形式，对已按照信用证付款、承兑或议付的银行偿付.10.开证行在买方付款后交单,然后买方凭单取货。
信用证的开立1。
开证的申请进出口双方同意用跟单信用证支付后，进口商便有责任开证。
第一件事是填写开证申请表，这张表为开证申请人与开证行建立了法律关系,因此，开证申请表是开证的最重要的文件。
2.开证的要求信用证申请的要求在统一惯例中有明确规定，进口商必须确切地将其告之银行。
信用证开立的指示必须完整和明确。
申请人必须时刻记住跟单信用证交易是一种单据交易，而不是货物交易。
银行家不是商人,因此申请人不能希望银行工作人员能充分了解每一笔交易中的技术术语。
即使他将销售合同中的所有条款都写入信用证中，如果受益人真的想欺骗，他也无法得到完全保护。
这就需要银行与申请人共同努力，运用常识来避免开列对各方均显累赘的信用证。
银行也应该劝阻在开立信用证时其内容套用过去已开立的信用证（套证)。
3.开证的安全性银行接到开证申请人完整的指示后,必须立即按该指示开立信用证。
另一方面，银行也有权要求申请人交出一定数额的资金或以其财产的其他形式作为银行执行其指示的保证。
按现行规定，中国地方、部门及企业所拥有的外汇通常必须存入中国的银行.如果某些单位需要跟单信用证进口货物或技术，中国的银行将冻结其帐户中相当于信用证金额的资金作为开证保证金。
信用证的流程
信用证的流程
信用证是国际贸易中一种常用的支付方式，其流程通常包括开证申请、开证、通知受益人、货物装运、单证交付、付款等环节。
下面将详细介绍信用证的流程。
首先，开证申请。
进口商与银行签订信用证开证申请书，其中包括买卖合同、信用证格式、装运期限、付款期限等内容。
银行根据申请书开出信用证，并通知受益人（出口商）。
第二，开证。
银行根据进口商的委托，开出信用证并将信用证发送给受益人的银行。
信用证中包括支付金额、装运期限、单证要求等内容。
第三，通知受益人。
受益人收到信用证后，根据信用证的要求准备货物，并通知货物的装运时间和方式。
第四，货物装运。
货物装运后，受益人准备相关单证，并将单证交给银行。
第五，单证交付。
银行收到单证后，核对单证与信用证的要求
是否一致，如果一致则通知进口商付款。
最后，付款。
进口商根据信用证的要求，向银行付款，银行将货款支付给受益人。
以上就是信用证的流程，通过这个流程，进口商和出口商可以在国际贸易中实现资金安全和货物安全的交易。
信用证作为一种支付方式，其流程严谨、安全可靠，受到广泛应用。
信用证中英文对照
信用证中英文对照1. 信用证号码（Letter of Credit Number）中文：信用证号码英文：L/C No.2. 开证日期（Date of Issue）中文：开证日期英文：Date of Issue3. 开证行（Issuing Bank）中文：开证行英文：Issuing Bank4. 受益人（Beneficiary）中文：受益人英文：Beneficiary5. 金额（Amount）中文：金额英文：Amount6. 付款期限（Expiry Date）中文：付款期限英文：Expiry Date7. 付款方式（Payment Terms）中文：付款方式英文：Payment Terms8. 单据要求（Documents Required）英文：Documents Required9. 信用证类型（Type of Credit）中文：信用证类型英文：Type of Credit10. 货物描述（Description of Goods）中文：货物描述英文：Description of Goods11. 运输方式（Means of Transport）中文：运输方式英文：Means of Transport12. 起运地/装运港（Place of Dispatch/Shipment）中文：起运地/装运港英文：Place of Dispatch/Shipment13. 目的地/卸货港（Place of Destination/Discharge）中文：目的地/卸货港英文：Place of Destination/Discharge14. 最迟装运日期（Latest Date of Shipment）中文：最迟装运日期英文：Latest Date of Shipment15. 通知行（Advising Bank）中文：通知行英文：Advising Bank16. 交单期限（Presentation Period）英文：Presentation Period17. 特殊条款（Special Conditions）中文：特殊条款英文：Special Conditions18. 其他条款（Additional Conditions）中文：其他条款英文：Additional Conditions19. 开证申请人（Applicant）中文：开证申请人英文：Applicant20. 开证行地址（Issuing Bank's Address）中文：开证行地址英文：Issuing Bank's Address。
国内信用证基本流程英语版
国内信用证基本流程英语版英文回答：Domestic Letter of Credit (L/C) Process in China.Step 1: Application for L/C.The applicant (buyer) submits an application to the issuing bank, requesting the issuance of an L/C.The application includes details such as the beneficiary (seller), the amount, and the terms and conditions of the L/C.Step 2: Issuance of L/C.The issuing bank reviews the application and, if approved, issues the L/C.The L/C is a legally binding document that commits theissuing bank to pay the beneficiary upon fulfillment of the conditions specified in the L/C.Step 3: Negotiation of L/C.The beneficiary receives the L/C from the issuing bank and verifies its authenticity and compliance with the purchase order.Any discrepancies or amendments are negotiated between the beneficiary and the issuing bank.Step 4: Presentation of Documents.Once the goods have been shipped or services rendered, the beneficiary presents the required documents to the negotiating bank (usually the beneficiary's bank).These documents typically include an invoice, bill of lading, and insurance certificate.Step 5: Examination of Documents.The negotiating bank examines the documents to ensure that they comply with the terms and conditions of the L/C.If the documents are found to be in order, the negotiating bank credits the beneficiary's account.Step 6: Payment by Issuing Bank.The negotiating bank sends the documents to the issuing bank.The issuing bank reviews the documents and, if satisfied, releases payment to the negotiating bank.Step 7: Reimbursement.The negotiating bank reimburses the issuing bank for the payment made to the beneficiary.Step 8: Closure of L/C.Once the final payment has been made, the L/C is closed.The beneficiary has fulfilled its obligations under the L/C, and the issuing bank's liability has been discharged.Notes:Domestic L/Cs are governed by the Uniform Customs and Practice for Documentary Credits (UCP 600) issued by the International Chamber of Commerce (ICC).The UCP 600 sets out the standard terms and conditions for L/Cs.Parties can negotiate and incorporate additional terms and conditions into their L/C agreements.中文回答：国内信用证基本流程。
中国银行国内信用证结算办法（中英文）
中国银⾏国内信⽤证结算办法（中英⽂）People's Bank of China Measures for Settlement byDomestic Letter of Credit中国银⾏国内信⽤证结算办法Promulgating Institution: People's Bank of China颁布机关: 中国⼈民银⾏Document Number: Yin Fa [1997] No. 265 ⽂号: 银发[1997]265号Promulgating Date: 07/16/1997 颁布时间: 07/16/1997Effective Date: 08/01/1997 实施时间: 08/01/1997Validity Status: Valid 效⼒状态: 有效Chapter 1 General Provisions第⼀章总则Article 1 These Measures are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and other applicable laws and regulations, with a view to adapting to the needs of domestic trading activities and boosting the healthy development of the socialist market economy of China.第⼀条为适应国内贸易活动的需要,促进我国社会主义市场经济的健康发展,依据《中华⼈民共和国中国⼈民银⾏法》以及有关法律法规,制定本办法。
Article 2 For the purpose of these Measures, a letter of credit (L/C) shall refer to an undertaking issued by an issuing bank at the request of an applicant to pay an amount of money against documents that are in compliance with the terms and conditions in the L/C.The L/C as prescribed in the preceding paragraph shall be an irrevocable and non-transferrable documentary L/C.第⼆条本办法所称信⽤证,是指开证⾏依照申请⼈的申请开出的,凭符合信⽤证条款的单据⽀付的付款承诺。
信用证条款中英文对照带翻译
信用证条款中英文对照带翻译信用证条款基本都是大同小异，那么英文的信用证条款如何写呢，接下来店铺为大家整理了信用证条款中英文对照。
希望对你有帮助哦! 信用证条款中规格1/1 指只有一张电文40A: Form of documentary credit 跟单信用证形式IRREVOCABLE 不可撤消的信用证20: Data of issue12345678 信用证号码31C: Date of issue 开证日2002XXXX31D: Date and place of expiry 信用证有效期2002XXXXBENEFICIARY’S COUNTRY 有效地50: Applicant 信用证开证审请人(你们的客户名)ABC CO., LTD.CHINA59: Beneficiary 受益人(你们公司名)EFG CO., LTD.ADDRESS32B: Currency code amount 信用证项下的金额USD XXXXXXX,41D: Available with 议付适用银行ANY BANKBY NEGOTIATION 任何议付行42C: Draft at 开汇票XXX DAYS AFTER SIGHTFOR FULL INVOICE VALUE 见票XXX天付款(发票全额)42A: Drawee 付款人ABOCCNBJXXXAGRICULTURAL BANK OF CHINA, XXX BRANCH 某农业银行某支行43P: Partial shipment 是否允许分批装运ALLOWED 可以43T: TransshipmentALLOWED 允许转运44A: Taking charge 装船港口XXXXXX PORT44B: For transportation to 目的港CHINESE PORT44C: Latest date of shipment 最后装船期2002XXXX45A: Description goods and/or services 货物/服务描述GENERAL MERCHANDISE 日用品46A: Documents required 须提供的单据文件MERCIAL INVOICE IN TRIPLICATE 一式三份商业发票2.FULL SET OF CLEAN ON BOARD B/L MARKED FREIGHT PREPAID MADE OUT TO ORDER OF SHIPPER AND NOTIFYING APPLICANT 全套已装船清洁提单，标明运费预付，收货人一栏填根据发货人指示，通知开证审请人3.PACKING LIST IN DUPLICATE 装箱单一式二份47A: Additional conditions 附加条件1.AGRICULTURAL BANK OF CHINA SINGAPORE BRANCH IS ASSIGNED TO DISCOUNT THE L/C 中国农业银行为指定的付款行2.AFTER NEGOTIATION BANK HAS SENT TESTED TELEX TO ISSUING BANK CERTIFYING DOCUMENTS IN COMPLIANCE WITH THE L/C TERMS AND INDICATION INVOICE VALUE,THEN NEGOTIATION BANK IS AUTHORIZED TO CLAIM REIMBURSEMENT BY TESTED TELEX/SWIFT FROMAGRICULTRUAL BANK OF CHINA SINGAPORE BRANCH AT SIGHT BASIS. SINGAPORE BRANCH WILL EFFECT PAYMENT WITHIN 5 WORKING DAYS.议付行发电传给开证行确认单证相符，并指示发票金额，然后以SWIFT电码或电传的形式授权中国农业银行新加波支行付款给收益人，新加波支行将在五个工作日内履行付款义务71B: Charges 开证以外产生的费用ALL BANKING CHARGES OUTSIDE OFTHE ISSUING BANK (EXCEPT FOR THEDISCOUNT INTEREST AND DISCOUNTCHARGES) ARE FOR BENEFICIARY’SACCOUNT 开证行以外产生的费用由信用证收益人负担(票据贴现利息与折扣除外)常见信用证条款要求48: Period for presentation 单据提交期限DOCUMENTS MUST BE PRESENTED WITHINXX DAYS AFTER LATEST SHIPMENT DATEBUT WITHIN THE VALIDITY OF THIS CREDIT在信用证有效期内，最迟装运期后XX天内，向银行提交单据49: Confirmation instructionWITHOUT 不保兑53A: Reimbursement Bank 偿付行ABOCSGSG78: Instructions to pay/account/negotiation bank 指示付款行 ? 议付行1.A DISCREPANCY(IES) FEE OF USDXX.00 WILL BE DEDUCTED FROM THE PROCEEDS IF THE DOCUMENTS ARE PRESENTED WITH A DISCREPANCY(IES). 如果单据提交有差异，差额将从信用额里扣除2.ALL DOCUMENTS SHOULD BE DESPATCHED TO US (ADDRESS：XXXXXXX)IN ONE LOT BY COURIER SERVICE.所有单据应一次性通过快件形式发给我们72: Sender to receiver information 说明THIS CREDIT IS ISSUED SUBJECT TO UCP500 (1993 REVISION) 本信用证跟据跟单信用证通一惯例UCP500(1993 年版)开出one original and four photocopies of the commercial invoice showing standard export packing and also showing non-quota when a non-quota item is shipped.出具一式四份标准出口包装的商业发票,若为无配额商品,则需另出无配额证明one origianl and three photocopies of inspection certificate issued by hymin park of min woo international inc.出具一式三份由hymin park of min woo international inc.签发的商检证书a fax letter by angela stating that one full set of non-negotiable documents was received.Angela传真声明需出具一整套不可议付之单证one origianal and three photocopies of beneficiary's certificate certifying that a production sample was sent to the attention of ruth plant or Albert elkaim of buffalo jeans ,400 L sauve west, montreal , quebec一式三份的受益人产品样品之证明书寄至工厂或是此地址: Albert elkaim of buffalo jeans ,400sauve west, montreal , quebec h3l 1z8 (好像是加拿大的一个地址)one original and three photocopies of packing list. 装箱单一式三份full set of original marine bills of lading clean on board or multimode transport documents clean on board plus 2 non-negotiable copies issued by air sea transport inc.. weihai, china made out or endorsed to order of bnp paribass(canada) markedfreight collect, notify general customs brokers attn linda 514-876-1704全套清洁已装船的海运提单或是清洁已装船之多式联运提单需加两份由air sea transport inc签发的不可议付单据副本.提单需注明由bnp paribass(Canada)付费,通关联系人 Linda,电话514-876-1704 one original and three photocopies of certificate of export licence of textile products showing the year of quota which must correspond to the year of shipment except in the case of non-quota which an export licence is not required.出具一式三份的纺织品出品许可证明书,年度配额须与年度出货一致,其中无需配额要求除外.one original and three photocopies of certificate of origin.一式三份的原产地证书one original and three photocopies of canada customs invoice.一式三份的加拿大海关发票a fax letter by albert elkaim,michel bitton, ruth plant,kathy alix,nancy whalen,marjolaine martel,mimi bernola,anna sciortino,jennyfer hassan or charles bitton stating a sample was received.'p N0_ X H:V v Balbert elkaim,michel bitton, ruth plant,kathy alix,nancy whalen,marjolaine martel,mimi bernola,anna sciortino,jennyfer hassan or charles bitton这些人传真声明的可接受之样品letter from shipper on their letterhead indicating their name of company and address,bill of lading number,container number and that this shipment,including its container,does not contain any non-manufactured wooden material, tonnage, bracing material, pallets, crating or other non-manufactured wooden packing material.托单需注明托运人公司,地址,提单号,货柜号,及装载量,包括非木质包装之排水量,托盘,板条箱或其它非木质包装材料信用证条款中英文对照DOCUMENTS REQUIRED 45A1、FULL SET CLEAN SHIPPED ON BOARD SHIPPING CO’S BILL OF LADING ISSUED TO THE ORDER OF OMDURMAN NATIONAL BANK, SAGGANA BRANCH MAKED FREIGHT PREPAIK AND NOTIFY APPLICANT.2、 SIGNED COMMERCIAL INVOICE IN FIVE ORIGINAL AND THREE COPIES DULY CERTIFIED TRUE AND CORRECT.3、 PACKING LIST IN ONE ORIGINAL AND FOUR COPIES.4、CERTIFICATE OF ORIGIN ISSUED BY CHAMBER OF COMMERCE CHINA CERTIFY THAT THE GOODS ARE OF CHINESE ORIGIN.1、全套清洁提单。
LC主要流程及注意事项
LC主要流程及注意事项1. 概述LC（Letter of Credit）即信用证，是国际贸易中常用的支付方式之一。
它作为一种经济活动发生时的保障措施，确保卖方能够按合同要求向买方提供货物和服务，并确保买方按时支付相应的款项。
本文将介绍LC的主要流程及注意事项。
2. LC的主要流程2.1 开证阶段开证是LC的第一步，由买方（申请人）委托银行发出申请信用证的指示。
以下是开证阶段的主要流程：1.买方与卖方（受益人）达成贸易合同，并约定以LC作为支付方式。
2.买方将开证申请书提交给发证行，该申请书应包含合同条款、开证金额、付款条款、装运要求等必要信息。
3.发证行根据买方的申请，发出信用证，并将信用证传递给通知行（卖方的银行）。
2.2 履行阶段履行阶段是指卖方按照信用证的要求进行装运货物，并提供相应文件给买方及相关银行。
以下是履行阶段的主要流程：1.卖方按照合同要求将货物装运，并在装运前检查货物的品质、数量和包装是否符合合同要求。
2.卖方准备相应的装运单证，包括提单、发票、装箱单等。
3.卖方将装运单证提交给通知行，通知行将这些文件发送给开证行。
4.开证行检查文件的完整性和准确性，确认文件符合信用证的要求。
5.开证行通知买方关于文件的到达和符合情况。
6.买方根据信用证规定的付款条款付款。
2.3 结算阶段结算阶段是指买方根据信用证的要求进行付款，完成支付手续，同时卖方根据信用证的规定收到货款。
以下是结算阶段的主要流程：1.开证行审核买方的付款要求，并进行结算操作。
2.开证行根据信用证的规定，将货款支付给卖方。
3.买方收到货物后，对货物的品质、数量和包装进行检验，确保符合合同要求。
4.买方确认货物无误后，通知开证行进行付款。
5.开证行将货款支付给卖方。
3. 注意事项在进行LC的操作时，以下是需要注意的事项：1.准确填写信用证的各项内容：在开证阶段，买方必须准确填写信用证的各项内容，包括合同条款、开证金额、装运要求等。
信用证样本(中英文对照)
信用证样本(中英文对照)Credit Sample (Chinese-English)信用证样本（中英文对照）一、信用证书开立要求I. Requirements for opening a letter of credit1. 信用证受益人应为货物的出口商。
1. The beneficiary of the letter of credit should be the exporter of the goods.2. 信用证的支付方式应为“先汇后付”或“承兑付款”。
2. The payment method of the letter of credit should be "payment after remittance" or "acceptance payment".3. 信用证中指定的币种应为外币。
3. The currency specified in the letter of credit should be foreign currency.4. 信用证应在货物发出时开立，受益人可以在出口境内申请货款。
4. The letter of credit shall be opened at the time of shipment of the goods, and the beneficiary may apply for the goods in the export territory.二、信用证结算II. Letter of Credit Settlement1. 出口商应在国外银行开立外汇存款账户，并将出口货款存入账户。
1. The exporter shall open a foreign exchange deposit account in a foreign bank and deposit the export proceeds into the account.2. 国外银行收到受益人的信用证后，应将货款汇入账户。
信用证流程及业务操作-PPT课件
The expression "on or about" or similar will be interpreted as a stipulation … five calendar days before until five calendar days after the specified date, both start and end dates included. On or about May 10？ The words "to", "until", "till", “from” and “between” when used to determine a period of shipment include the date or dates mentioned, and the words “before” and "after“ exclude the date mentioned. Shipment to be made before 12/31/07？ Shipment to be made after 12/01/07？ Shipment to be made until 12/31/07？ The words “from” and "after" when used to determine a maturity date exclude the date mentioned.
ISBP681(2):The applicant bears the risk of any ambiguity in its instructions to issue or amend a credit. Unless expressly stated otherwise, a request to issue or amend a credit authorizes an issuing bank to supplement or develop the terms in a manner necessary or desirable to permit the use of the credit.
信用证的使用流程英文
信用证的使用流程（英文）1. IntroductionIn international trade, a letter of credit, also known as a documentary credit, is a widely used payment method that provides a secure way for buyers and sellers to conduct business. This document outlines the step-by-step process of using a letter of credit in international trade transactions.2. Initial Negotiations1.Seller and buyer negotiate the terms of the trade, including the price,quantity, and delivery terms.2.Agreement is reached on the use of a letter of credit as the paymentmethod.3. Buyer Applies for a Letter of Credit1.Buyer contacts their bank to apply for a letter of credit.2.Required documents and information are provided to the bank,including:–Proforma invoice or sales contract–Description of goods and quantity–Delivery terms and shipping details–Payment terms and conditions–Any additional documents requested by the bank4. Bank Evaluates the Application1.The bank reviews the buyer’s application and verifies the provideddocuments.2.The bank assesses the buyer’s creditworthiness and determines theletter of credit terms, such as the credit amount and expiry date.3.The bank may request additional information or clarification from thebuyer or seller.5. Bank Issues the Letter of Credit1.Once the application is approved, the bank issues the letter of credit tothe seller’s bank, also known as the advising bank or confirming bank.2.The letter of credit includes details such as:–Buyer and seller’s names and addresses–Amount of the credit–Expiry date and place of expiry–Documents required for payment–Any special conditions or instructions6. Advising Bank Notifies the Seller1.The advising bank receives the letter of credit and verifies its authenticity.2.The advising bank informs the seller about the letter of credit and provides instructions on how to proceed with the trade transaction.3.The seller may request amendments to the letter of credit if necessary.7. Seller Ships the Goods1.The seller prepares the goods for shipment according to the terms and conditions stated in the letter of credit.2.The seller obtains the required documents, such as:–Commercial invoice–Bill of lading or airway bill–Packing list–Certificate of origin–Inspection certificate, if applicable8. Seller Presents Documents to the Bank1.The seller submits the required documents to their bank, also known as the negotiating bank.2.The bank examines the documents to ensure compliance with the terms of the letter of credit.3.If the documents are in order, the bank forwards them to the buyer’s bank for payment.9. Bank Reviews and Processes the Documents1.The buyer’s bank reviews the submitted documents and checks for any discrepancies.2.If the documents are compliant, the bank processes the payment to the seller.3.If discrepancies are found, the bank notifies the buyer and requests instructions on how to proceed.10. Buyer Makes Payment to the Bank1.Upon receiving the payment request from the seller’s bank, the buyer is obligated to make payment according to the terms of the letter of credit.2.The buyer’s bank debits the buyer’s account for the payment amount and transfers the funds to the seller’s bank.11. Bank Releases the Documents to the Buyer1.After receiving the payment, the seller’s bank releases the documentsto the buyer.2.The buyer can now obtain possession of the goods by presenting thereleased documents to the relevant authorities or shipping company.12. ConclusionThe usage of a letter of credit provides security and assurance for both buyers and sellers in international trade transactions. By following the outlined process, parties can effectively manage the payment and documentation aspects of their trade deals, ensuring successful and smooth transactions.。
信用证的操作流程
信用证的操作流程信用证是国际贸易中使用广泛的支付方式，它是由买方的银行（开证行）向卖方的银行（通知行）发出的一种承诺，保证买方按照合同约定的条件向卖方付款。
在国际贸易中，双方往往存在文化、法律等方面的差异，信用证作为一种中立的支付方式，为买卖双方提供了可靠的保障。
下面将详尽介绍。
一、开证阶段1. 接收申请：买方向开证行提交信用证申请书及相关文件，包括合同、发票和运输文件等。
2. 资信评估：开证行对买方的资信状况进行评估，确定是否开立信用证。
3. 开证通知：开证行依据买方提供的相关文件和要求，向卖方的银行发送开证通知书，并发送正式信用证。
4. 信用证核查：卖方的银行收到开证通知书后，核查信用证的真实性和有效性。
二、履行阶段1. 合同履行：卖方依据信用证的要求，按照合同规定的时间和方式履行合同。
2. 货物装运：卖方将货物按照合同规定的要求装运，并提供相关的装船单据。
3. 卖方提交单据：卖方将装船单据提交给自己的银行，并要求银行代为核查。
4. 银行核查单据：卖方的银行在核查单据的真实性和完整性后，将单据提交给开证行。
5. 付款授权：开证行在核对单据无误后，按照信用证的要求授权付款。
6. 通知卖方：开证行通知卖方，确认单据无误，并将付款转账至卖方的账户。
三、结算阶段1. 收到货物：买方收到货物后，依据信用证的要求检查货物的数量、质量和规格等是否符合合同。
2. 申请付款：买方依据信用证的要求，向开证行提出付款申请。
3. 检查单据：开证行核对买方的付款申请和货物检验报告，并核查货物单据的真实性和符合性。
4. 付款授权：开证行在核对单据无误后，按照信用证的要求授权付款。
5. 付款通知：开证行通知买方，确认单据无误，并从买方的账户中划付款项至卖方的账户。
通过以上的流程，信用证的操作实现了买卖双方的利益保障和风险控制。
信用证作为一种具有可靠性和灵活性的支付方式，能够有效地解决国际贸易中的付款问题。
同时，信用证流程中的严格要求和标准化操作，也提高了国际贸易的效率和安全性。
信用证的流程图
信用证的流程图信用证是国际贸易中常用的支付方式之一，具有一定的流程和程序。
下面是信用证的流程图。
信用证流程图1. 开证申请：进口商向银行提出开证申请，包括开证金额、货物描述、装运期限等详细信息。
2. 银行审查：银行根据进口商的申请，审核申请内容的准确性和合法性。
3. 开证通知：银行正式向出口商发出信用证开证通知，通知出口商在规定的期限内出具所需的单据。
4. 出口商制单：出口商按照信用证开证通知的要求，准备相关的单证，如发票、装箱单、提单等。
5. 单据递交：出口商将准备好的单据递交给银行，同时提供相关的报关资料和船运文件。
6. 银行验证：银行对所递交的单据进行验证，确保单据的准确性和完整性。
7. 付款：银行在验证通过后，按照信用证的要求，向出口商付款。
8. 通知进口商：银行通知进口商，确认已向出口商付款，并提供相关的付款凭证。
9. 单据交付：银行将验单的正本交给进口商，供进口商检查和核实。
10. 定时货物提货：进口商在接到验单后，按照规定时间到港口提货。
11. 清关报关：进口商凭借提供的信用证单据，向海关办理清关报关手续。
12. 进口商付款：进口商按照信用证的要求，向银行付款以完成付款义务。
13. 信用证结案：交易完成后，银行将信用证结案，并归档保存。
信用证流程图详细展示了信用证交易的各个环节，包括开证申请、银行审查、开证通知、出口商制单、单据递交、银行验证、付款、通知进口商、单据交付、定时货物提货、清关报关、进口商付款和信用证结案等过程。
信用证的流程简单明了，能够确保双方的权益和支付的安全性。
在国际贸易中广泛应用，提供了便利和信任保障。
国内信用证基本流程英语版
国内信用证基本流程英语版Domestic Letter of Credit Basic Process.The domestic letter of credit (L/C) is a banking instrument that serves as a guarantee of payment from the buyer to the seller in a domestic transaction. It ensures that the seller will be paid upon the presentation of specific documents, typically including proof of shipment and other relevant paperwork. Here is a detailed outline of the basic process involved in a domestic L/C transaction:1. Contract Negotiation and Agreement:The first step in the domestic L/C process is the negotiation and agreement between the importer and exporter. They discuss and finalize all terms and conditions of the trade, including the payment terms, shipment details, and any other specific requirements. Once both parties agree, they conclude a contract outlining these terms.2. Application for L/C:The importer, also known as the applicant, submits an application to the issuing bank, requesting the issuance of an L/C. This application typically includes details such as the name of the exporter (beneficiary), the amount of the transaction, the terms and conditions of the L/C, and any specific documents required for payment.3. Issuance of L/C:The issuing bank reviews the application and, if approved, issues the L/C to the exporter (beneficiary). The L/C is a legal document that outlines the terms and conditions of the payment, including the required documents, the expiration date, and any other specific instructions.4. Notification of L/C:The L/C is then transmitted to the exporter through a notifying bank, which is typically a bank with which the exporter has a relationship. The notifying bank verifiesthe authenticity of the L/C and notifies the exporter ofits issuance.5. Preparation of Documents:Upon receiving the L/C, the exporter prepares the required documents, which typically include proof of shipment (such as a bill of lading), commercial invoice, and any other documents specified in the L/C. These documents must be prepared in accordance with the specific requirements outlined in the L/C.6. Presentation of Documents:The exporter presents the prepared documents to the 议付行 (negotiated bank) designated in the L/C. This bank verifies the documents to ensure they comply with the terms and conditions specified in the L/C. If the documents are found to be in order, the negotiated bank proceeds with the payment process.7. Payment:The negotiated bank makes payment to the exporter based on the instructions outlined in the L/C. This payment can be made in cash, by transfer, or any other method specified in the L/C.8. Reimbursement:After making payment, the negotiated bank submits the documents to the issuing bank for reimbursement. The issuing bank reviews the documents and, if they are in order, reimburses the negotiated bank for the amount paid.9. Post-Payment and Settlement:Once the payment has been made and the documents have been settled, the domestic L/C process comes to an end. The importer receives the goods, and the exporter receives the payment. Both parties can then proceed with their respective post-transaction activities.In summary, the domestic L/C process involves contractnegotiation and agreement, application and issuance of the L/C, notification of the L/C, preparation and presentation of documents, payment, reimbursement, and post-payment and settlement. This process ensures secure and reliable payment for both the importer and exporter in domestic transactions.。
信用证中英文对照
信用证中英文对照一、基本术语对照1. 信用证（Letter of Credit，简称LC）2. 申请人（Applicant）3. 受益人（Beneficiary）4. 开证行（Issuing Bank）5. 通知行（Advising Bank）6. 议付行（Negotiating Bank）7. 付款行（Paying Bank）8. 保兑行（Confirming Bank）二、信用证类型对照1. 可撤销信用证（Revocable Letter of Credit）2. 不可撤销信用证（Irrevocable Letter of Credit）3. 即期信用证（Sight Letter of Credit）4. 远期信用证（Usance Letter of Credit）5. 可转让信用证（Transferable Letter of Credit）6. 循环信用证（Revolving Letter of Credit）7. 背对背信用证（BacktoBack Letter of Credit）8. 预支信用证（Anticipatory Letter of Credit）三、信用证关键条款对照1. 信用证金额（Credit Amount）英文：The total amount for which the Letter of Credit is issued.2. 信用证有效期（Validity of the Credit）英文：The date until which the Letter of Credit remains valid for presentation of documents.3. 交单期限（Period for Presentation）英文：The time frame within which the shipping documents must be presented to the bank.4. 货物描述（Description of Goods）英文：A detailed description of the merchandise covered the Letter of Credit.5. 装运条款（Shipment Terms）英文：The conditions under which the goods are to be shipped, including the latest date of shipment.6. 付款条件（Payment Terms）英文：The conditions under which the payment will be made, whether at sight or on a deferred basis.四、信用证相关单据对照1. 发票（Invoice）英文：A document issued the seller to the buyer, indicating the goods sold and their agreed prices.2. 提单（Bill of Lading，简称B/L）英文：A receipt issued the carrier to the shipper, acknowledging receipt of goods for transportation.3. 保险单（Insurance Policy）4. 检验证书（Inspection Certificate）5. 装箱单（Packing List）英文：A detailed list of the contents of each package, prepared the shipper.五、信用证操作注意事项对照1. 信用证条款审核（Review of Credit Terms）英文：Carefully examine the terms and conditions ofthe Letter of Credit to ensure they match the sales contract.2. 单据准备与提交（Preparation and Submission of Documents）英文：Prepare all required documents accurately and submit them to the bank within the specified time frame.3. 银行费用承担（Bank Charges）英文：Clarify which party is responsible for the bank charges associated with the Letter of Credit.4. 风险防范（Risk Prevention）英文：Be aware of potential risks such as discrepancies in documents, bank defaults, and changes intrade policies.六、信用证修改与撤销对照1. 信用证修改（Amendment to the Letter of Credit）英文：A formal request to change certain terms or conditions of the Letter of Credit after it has been issued.2. 信用证撤销（Cancellation of the Letter of Credit）英文：The act of terminating the Letter of Credit before its expiry date, if it is a revocable credit.七、信用证常见问题及解决方案对照1. 文件不符（Discrepancy in Documents）英文：When the documents presented do not conform to the terms and conditions of the Letter of Credit.解决方案：Rectify the discrepancies and resubmit the corrected documents within the allowed time frame.2. 信用证延期（Extension of the Letter of Credit）英文：Requesting an extension of the validity period of the Letter of Credit.解决方案：Coordinate with the applicant to request the issuing bank to extend the credit's validity.3. 信用证付款延迟（Delay in Payment）英文：When the payment under the Letter of Credit is not made on time the issuing bank.解决方案：Communicate with the issuing bank to expedite the payment process or seek assistance from the confirming bank, if applicable.八、信用证在国际贸易中的作用对照1. 降低交易风险（Reducing Transaction Risks）英文：The Letter of Credit provides a secure payment method, reducing the risk of nonpayment for the seller.2. 促进贸易便利化（Facilitating Trade）英文：By offering a guarantee of payment, the Letter of Credit facilitates smoother trade transactions between parties in different countries.3. 融资工具（Financing Instrument）英文：The Letter of Credit can be used the beneficiary to obtain financing from the bank before the actual payment is received.。
国际结算重点总结
国际结算知识点总结（单选25，判断15，实务60）一、三次作业1、Please draw a draft according to the following material:Native Product Imp.and Exp. Corporation Jiangsu branch sold some goods valued GBP54,000.00 to Polar Furs LID,London. For settlement ,the exporter drew a draft on the importer on Feb 20, 2010, asking the latter to pay 100% of the proceeds to the order of exporter 30 days after the date of issue. According to the instruction of the importer, the draft will be paid actually at Barclays Bank, PLC, London.Exchange for GBP54,000.00 Jiangsu 20th Feb. 2010at 30 days after date pay to the order of Native Products Imp.and Exp. Corporation, Jiangsu the sum of Pounds Fifty Four Thousand onlyTo Polar Furs LID，London For Native Products Payable by Barclays Bank, PLC, Imp.and Exp. Corporation,London Jiangsuauthorized signature2、Read the following draft and give your answer to each of the following questions.Exchange for USD50,000.00 Jan 15,2010At 60 days after date pay this first bill (Second unpaid) to the order of Bank of china the sum of Fifty Thousand U S Dollars only.To: ABC company For China National CraftsNew York Import &Export Corporation, Shanghai Branch.(signed)1.Who is the drawer?China National Crafts Import &Export Corporation, S.B.2.Who is the drawee?ABC company New York3.Who is the payee?The order of Bank of china4.Is this a demand draft or a tenor draft? A tenor draft5.Is this a solo bill or a bill of exchange in two sets?A bill of exchange in two sets6.Where is the bill drawn?Shanghai7.When is the bill drawn?Jan 15,20108.On which date will the bill mature? Mar 16,20103、Please complete the following sentence with proper contents according to the following draft.Exchange for US$100,000.00 New York , 10th Aug, 2010At 60 days after sight pay to Brown & Thomas Inc. N.Y. or orderthe sum of U.S.dollars one hundred thousand onlyTo : Irving Trust companyLondon For George Anderson Inc.New Yorkauthorized signaturethe bill for US$100,000.00(the sum of U.S.dollars onehundred thousand only ) is drawn by George Anderson Inc. New Yorkon Irving Trust company London payable at 60 days after sightto Brown & Thomas Inc. N.Y. or order dated 10th Aug, 20104、 The above bill is transferred to Citibank N.Y. for collection. It is then accepted on 20th Aug, 2010, and guaranteed by Barclays bank, PLC, London on 21st Aug, 2010.Please make endorsement, acceptance, guarantee accordingly, and calculate the due dateEndorsementpay to CitiBank N.Y. for collection For Brown & Thomas Inc. N.Y.SignatureAcceptanceAccepted20th Aug., 2010For Irving Trust Company, LondonSignatureDue date: Oct. 19, 2010GuaranteePer AvalFor a/c of Irving Trust Company, London21st Aug., 2010For Barclays Bank PLC, Londonsignature5、On Feb.15, 2010, Citibank N.A. New York (SWIFT code CITIUS33), at the request of its customer ---ABC Co. New York, sends a payment order numbered TT-201035 through SWIFT to Agricultural Bank of China, Jiangsu branch (SWIFT code ABOCCNBJ100) with the amount of USD25000 in payment of the proceeds under S/C No. 4321.The funds are to be credited to the a/c No. 143258 of XYZ Co. Jiangsu and valued on Feb.15, 2010. For reimbursement, the former bank credits the latter bank’s vostro account with the funds remitted, less USD50 as remitting bank’s charges because all bank charges are to be borne by the exporter.Please complete the following message according to the material given above.CUSTOMER CREDIT TRANSFERDATE :100215SENDER: CITIUS33MT: 103RECEIVER: ABOCCNBJ10020: SENDER’S REF: TT-20103523B: BANK OPERATION CODE: CRED32A: VALUE DATE/CUR /INTERBANK SETTLED AMT: 100215USD24950,0033B: CURRENCY/INSTRUCTED AMOUNT: USD25000,0050K: ORDERING CUSTOMER: ABC CO. NEW YORK59: BENEFICIARY CUSTOMER: /143258XYZ CO. JIANGSU70: REMITTANCE INFORMATION: S/C NO.432171A: DETAILS OF CHARGES: BEN71F: SENDER’S CHARGES:USD50,0072: BANK TO BANK INFORMATION:IN COVER, WE HAVE CREDITED YOUR A/C WITH US二、信用证内容、条款、样式内容：Items on the credit itself;Items on draft;Items on goods,shipping documents and transport;Other items.（开证行是谁，金额是多少等等，填写信用证分析表）1. Basic clauses（基本条款）2. Transportation clauses（运输条款）3. Commodity clauses（货物条款）4. Documentation clauses（单据条款）5. Other clauses（其他条款）样式SENDER: BOFAUS6SYXXX*BANK OF AMERICA*SAN FRANCISCO, CARECEIVER: BKCHCNBJ940*BANK OF CHINA*JIANGSU BRMT: 700 ISSUE OF A DOCUMENTARY CREDIT27: SEQUENCE OF TOTAL: 1/240A: FORM OF DOCUMENTARY CREDIT:IRREVOCABLE20: DOC.CREDIT NUMBER: 101057331C: DATE OF ISSUE: 08091040E: APPLICABLE RULES: UCP LATEST VERSION31D: EXPIRY DATE: 081030PLACE: IN CHINA50: APPLICANT: SENG-CHO INTERNATIONAL, LTD.3283 LAKE SHORE AVE SUITE 203OAKLAND, CA 9461059: BENEFICIARY: LIANYUNGANG METALS MINERALSAND MACHINERY I/E CORP,JUN GONG ROAD, XUGOU,LIANGYUNGANG,JIANGSU, CHINA32B: CURRENCY CODE, AMOUNT: USD 45000,0041A: AVAILABLE WITH /BY: ANY BANK IN CHINABY NEGOTIATION42C: DRAFTS AT: 90 DAYS AFTER SHIPMENT DATE42A: DRAWEE: BOFAUS6SYXXX43P: PARTIAL SHIPMENTS: ALLOWED43T: TRANSSHIPMENT: ALLOWED44E: PORT OF LOADING: ANY PORT IN CHINA44F: PORT OF DISCHARGE: OAKLAND PORT, CA44C: LATEST DATE OF SHIPMENT: 08093045A: DESCRIPTION OF GOODS:CRAWFISH MEAT ( FROZEN ) 1500KG AT USD30 PER KG , CIF OAKLAND PORT,CA46A: DOCUMENTS REQUIRED:+ ORIGINAL AND 2 COPIES OF SIGNED COMMERCIAL INVOICE+ FULL SET OF CLEAN MARINE BILL OF LADING ‘ON BOARD’ THE NAMEDVESSEL, CONSIGNED TO THE ORDER OF SHIPPER, BLANK ENDORSED,MARKED ‘FREIGHT PREPAID’, INDICATING NOTIFY APPLICANT.+ INSURANCE POLICY OR CERTIFICATE IN DUPLICATE FOR 110% OF INVOICEVALUE COVERING ALL RISKS.+ ORIGINAL AND 1 COPY OF PACKING LIST47A: ADDITIONAL CONDITIONS:71B: DETAILS OF CHARGES:ALL BANK CHARGES OTHER THAN THOSE OF THE ISSUING BANK, ARE FORTHE ACCOUNT OF THE BENEFICIARY.48: PRESENTATION PERIOD:DOCUMENTS MUST BE PRESENTED AT PLACE OF EXPIRY WITHIN 30 DAYS AFTER SHIPMENT AND WITHIN VALIDITY OF CREDIT.49: CONFIRMATION INSTRUCTION: WITHOUT78：INSTRUCTION TO THE PAYING / ACCEPTING / NEGOTIATING BANK:THE AMOUNT OF EACH DRAFT MUST BE ENDORSED ON THE REVERSE OF THIS DOCUMENTARY CREDIT BY THE NEGOTIATING BANK.UPON RECEIPT OF CONFORMING DOCUMENTS AT OUR COUNTERS WE UNDERTAKE TO REIMBURSE AS YOU INSTRUCTED72: SENDER TO RECEIVER INFORMATION:ADVISE THROUGH YR LIANYUNGANG SUB BR., CHINASENDER: BOFAUS6SYXXX*BANK OF AMERICA*SAN FRANCISCO, CARECEIVER: BKCHCNBJ940*BANK OF CHINA*JIANGSU BRMT: 701 ISSUE OF A DOCUMENTARY CREDIT27: SEQUENCE OF TOTAL: 2/220: DOC. CREDIT NUMBER: 101057345B: DESCRIPTION OF GOODS:46B: DOCUMENTS REQUIRED:47B: ADDITIONAL CONDITIONS:UNLESS OTHERWISE STIPULATED ALL DOCUMENTS SHOULD BE ISSUED IN ENGLISH LANGUAGE. OTHERWISE THEY MAY BE DISREGARDED.AN ADDITIONAL HANDLING FEE OF USD60 WILL BE DEDUCTED FROM PROCEEDS FOR DOCUMENTS PRESENTED WITH DISCREPANCIES.( Mandatory Optional)三、信用证审核（课本129页——139页）问题条款共20处，粗体字显示。
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信用证的中英文流程信用证操流程跟单信用证操作的流程简述如下：1.买卖双方在贸易合同中规定使用跟单信用证支付。
2.买方通知当地银行（开证行）开立以卖方为受益人的信用证。
3.开证行请求另一银行通知或保兑信用证。
4.通知行通知卖方，信用证已开立。
5.卖方收到信用证，并确保其能履行信用证规定的条件后，即装运货物。
6.卖方将单据向指定银行提交。
该银行可能是开证行，或是信用证内指定的付款、承兑或议付银行。
7.该银行按照信用证审核单据。
如单据符合信用证规定，银行将按信用证规定进行支付、承兑或议付。
8.开证行以外的银行将单据寄送开证行。
9.开证行审核单据无误后，以事先约定的形式，对已按照信用证付款、承兑或议付的银行偿付。
10.开证行在买方付款后交单，然后买方凭单取货。
信用证的开立1.开证的申请进出口双方同意用跟单信用证支付后，进口商便有责任开证。
第一件事是填写开证申请表，这张表为开证申请人与开证行建立了法律关系，因此，开证申请表是开证的最重要的文件。
2.开证的要求信用证申请的要求在统一惯例中有明确规定，进口商必须确切地将其告之银行。
信用证开立的指示必须完整和明确。
申请人必须时刻记住跟单信用证交易是一种单据交易，而不是货物交易。
银行家不是商人，因此申请人不能希望银行工作人员能充分了解每一笔交易中的技术术语。
即使他将销售合同中的所有条款都写入信用证中，如果受益人真的想欺骗，他也无法得到完全保护。
这就需要银行与申请人共同努力，运用常识来避免开列对各方均显累赘的信用证。
银行也应该劝阻在开立信用证时其内容套用过去已开立的信用证（套证）。
3.开证的安全性银行接到开证申请人完整的指示后，必须立即按该指示开立信用证。
另一方面，银行也有权要求申请人交出一定数额的资金或以其财产的其他形式作为银行执行其指示的保证。
按现行规定，中国地方、部门及企业所拥有的外汇通常必须存入中国的银行。
如果某些单位需要跟单信用证进口货物或技术，中国的银行将冻结其帐户中相当于信用证金额的资金作为开证保证金。
如果申请人在开证行没有帐号，开证行在开立信用证之前很可能要求申请人在其银行存入一笔相当于全部信用证金额的资金。
这种担保可以通过抵押或典押实现（例如股票），但银行也有可能通过用于交易的货物作为担保提供融资。
开证行首先要对该笔货物的适销性进行调查，如果货物易销，银行凭信用证给客户提供的融资额度比滞销商品要高得多。
4.申请人与开证行的义务和责任申请人对开证行承担三项主要义务：(1)申请人必须偿付开证行为取得单据代表代向受益人支付的贷款。
在他付款前，作为物权凭证的单据仍属于银行。
(2)如果单据与信用证条款相一致而申请人拒绝"赎单"，则其作为担保的存款或帐户上已被冻结的资金将归银行所有。
(3)申请人有向开证行提供开证所需的全部费用的责任。
开证行对申请人所承担的责任：首先，开证行一旦收到开证的详尽指示，有责任尽快开证。
其次，开证行一旦接受开证申请，就必须严格按照申请人的指示行事。
信用证的通知1.通知行的责任在大多数情况下，信用证不是由开证行直接通知受益人，而是通过其在受益人国家或地区的代理行，即通知行进行转递的。
通知行通知受益人的最大优点就是安全。
通知行的责任是应合理谨慎地审核它所通知信用证的表面真实性。
2.信用证的传递方式信用证可以通过空邮、电报或电传进行传递。
设在布鲁塞尔的SWIFT运用出租的线路在许多个国家的银行间传递信息。
大多数银行，包括中国的银行加入了这一组织。
3.有效信用证的指示当开证行用任何有效的电讯传递方式指示通知行，通知信用证或信用证的修改，该电讯将被认为是有效信用证文件或有效修改书，并且不需要再发出邮寄证实书。
受益人的审证受益人在收到信用证以后,应立即作如下的检查：1. 买卖双方公司的名号和地址写法是不是和发票上打印的公司名号和地址写法完全一样？2. 信用证提到的付款保证是否符合受益人的要求？3. 信用证的款项对吗？信用证的金额总数应与合同相吻合并包括该合同的全部应付费用。
4. 付款的条件是否符合要求？除非对某些特定的国家或某些特定的进口商，出口商通常要求即期付款。
在远期信用证条件下，汇票的期限应与合同中所规定的一致。
有一种信用证要求开立远期汇票，但却可即期支付，这种信用证被称为"假远期信用证"，其对受益人所起的作用与即期信用证是一样的。
5. 信用证提到的贸易条款是否符合受益人原先提出的要求？6. 是否赶得上在有效期和货运单据限期内把各项单据送交银行？7. 能提供所需的货运单据吗？8. 有关保险的规定是否与销售合同条款一致？－需保险的风险。
受益人对此应与中国人民保险公司联系，以决定是否接受申请人的要求。
超过销售合同中规定投保范围的任何费用应由申请人负担。
－投保金额。
绝大多数信用证要求按CIF 发票金额的110％投保。
9. 货物说明（包括免费附送的物品）、数量和其他各项写对了吗？如果按上述各条目检查的时候发现有任何遗漏或差错，那么应该就下列各点立即作出决定，采取必要的措施：－能不能更改计划或单据内容来相应配合？－是不是应该要求买方修改信用证，修改费用应该由哪一方支付？若有疑问，可向本单位的联系银行或通知行咨询。
但有一点请记住：只有申请人和受益人及有关银行共同同意，才有权决定修改。
信用证的履行1. 单据的提交在跟单信用证业务中，单据的提交起着非常重要的作用，因为这是对信用证最终结算的关键。
受益人向银行提交单据后是否能得到货款，在很大程度上取决于是否已开立信用证和单据是否备齐。
2. 交单时间的限制提交单据的期限由以下三种因素决定：（1）信用证的失效日期；（2）装运日期后所特定的交单日期；（3）银行在其营业时间外，无接受提交单据的义务。
信用中有关装运的任何日期或期限中的"止"、"至"、"直至"、"自从"和类似词语，都可理解为包括所述日期。
"以后"一词理解为不包括所述日期。
"上半月"、"下半月"理解为该月一日至十五日和十六日至该月的最后一日，首尾两天均包括在内。
"月初"、"月中"或"月末"理解为该月一日至十日、十一日至二十日、二十一日至该月最后一日，首尾两天均包括在内。
3. 交单地点的限制所有信用证必须规定一个付款、承兑的交单地点，或在议付信用证的情况下须规定一个交单议付的地点，但自由议付信用证除外。
像提交单据的期限一样，信用证的到期地点也会影响受益人的处境。
有时会发生这样的情况，开证行将信用证的到期地点定在其本国或他自己的营业柜台，而不是受益人国家这对受益人的处境极为不利，因为他必须保证于信用证的有效期内在开证银行营业柜台前提交单据。
银行审核单据受益人向银行提交单据后，银行有义务认真审核单据，以确保单据表面上显示出符合信用证要求和各单据之间的一致性。
1. 审单准则银行必须合理谨慎地审核信用证的所有单据，以确定其表面上是否与信用证条款相符规定的单据在表面上与信用证条款的相符性应由在这些条文中反映的国际标准银行惯例来确定。
单据表面上互不相符，应视为表面上与作用证条款不相符。
上述"其表面"一词的含意是，银行不需亲自询问单据是否是假的，已装运的货物是否是假的，已装运的货物是否真正装运，以及单据签发后是否失效。
除非银行知道所进行的是欺诈行为，否则这些实际发生的情况与银行无关。
因而，如受益人制造表面上与信用证规定相符的假单据，也能得到货款。
但是如受益人已经以适当的方式装运了所规定的货物，在制作单据时未能一到信用证所规定的一些条件，银行将拒绝接受单据，而受人决不能得到货款。
银行不审核信用证中未规定的单据，如果银行收到此类单据，将退还提交人或予以转交并对此不负责任。
2. 单据有效性的免责银行对任何单据的形式、完整性、准确性、真实性或法律效力，或单据中载明、附加的一般及/或特殊条件概不负责。
银行对单据所代表货物的描述、数量、重量、品质、状况、包装、交货、金额或存在与否，以及对货物发货人、承运人、货运代理人、收货人，或货物保险人及其他任何人的诚信、行为及/或疏忽、清偿能力、行为能力或资信状况概不负责。
3. 审核单据的期限银行需要多长时间审核卖方提交的单据，并通知卖方单据是否完备？统一惯例第13条b 款对此明确规定：开证行、保兑行（如已保兑）或代表他们的被指定银行各自应有一个合理的时间，即不超过收到单据后的七个银行营业日，审核单据，决定是否接受或拒收单据，并通知从其处收到单据的当事人。
4. 不符单据与通知如开证行授权另一家银行凭表面上符合信用证条款的单据付款、承担延期付款责任、承兑汇票或议付，则开证行和保兑行（如已保兑）有义务：(1)接受单据；(2)对已付款、承担延期付款责任、承兑汇票或议付的被指定银行进行偿付。
收到单据后，开证行及/或保兑行（如已保兑）或代表他们的被指定银行必须以单据为唯一依据，审核其表面上是否与信用证条款相符。
如果单据表面上与信用证不符，上述银行可拒收单据。
如果开证行确定单据表面上与信用证条款不符，它可以完全根据自己的决定与申请人联系，请其撤除不符点。
如果开证行及/或保兑行（如已保兑）或代表他们的被指定银行决定拒收单据，则其必须在不迟于自收到单据次日起第七个银行营业日结束前，不延误地以电讯，或其他快捷方式发出通知。
该通知应发至从其处收到单据的银行，如直接从受益人处收到单据，则将通知发至受益人。
通知必须说明拒收单据的所有不符点，还必须说明银行是否留存单据听候处理，或已将单据退还交单人。
开证行或保兑行有权向寄单行索还已经给予的任何偿付款项和利息。
如开证行或保兑行未能按这些规定办理，或未能留存单据等待处理，未将单据退还交单人，开证行或保兑行则无权宣称单据不符合信用证条款。
如寄单行向开证行或保兑行提出应注意的单据中的任何不符点，它已以保留方式或根据赔偿书付款，承担延期付款责任承兑汇票或议付时，开证行或保兑行并不因之而解除其任何义务。
信用证的结算当银行审单完毕后，信用证即进入结算阶段。
统一惯例第10条指出："所有信用证都必须清楚地表明该证是否适用即期付款、延期付款、承兑或议付。
"1. 即期付款(1) 受益人将单据送交付款行。
(2) 银行审核单据与信用证条款，相符后付款给受益人。
(3) 该银行如不是开证行的话，以事先议定的方式将单据寄交开证行索赔。
2. 延期付款(1) 受益人把单据送交承担延期付款的银行。
(2) 银行审核单据与信用证条款相符后，依据信用证所能确定的到期日付款。
(3) 该银行如不是开证行的话，以事先议定的方式将单据寄交开证行索赔。