信用证流程及业务操作PPT格式课件下载.ppt
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Theapplicantbearstheriskofanyambiguityinitsinstructionstoissueoramendacredit.Unlessexpresslystatedotherwise,arequesttoissueoramendacreditauthorizesanissuingbanktosupplementordevelopthetermsinamannernecessaryordesirabletopermittheuseofthecredit.2、开证行开立信用证、开证行开立信用证v
(1)开证行审核申请人资信开证行审核申请人资信v
(2)开证行审核申请书开证行审核申请书v(3)开证行按申请书开立信用证(参阅开证行按申请书开立信用证(参阅ISPBP.2)v(4)信用证生效信用证生效v开证行应特别注意索偿及偿付条款:
开证行应特别注意索偿及偿付条款:
二、信用证通知与保兑二、信用证通知与保兑v(11)通知行承担什么责任?
)通知行承担什么责任?
v(22)如何通知信用证?
)如何通知信用证?
v(33)保兑行责任与权利?
)保兑行责任与权利?
v(44)如何保兑,其对信用证的保兑能否自动)如何保兑,其对信用证的保兑能否自动扩展到对修改书的保兑?
扩展到对修改书的保兑?
v(55)保兑行如何付款?
)保兑行如何付款?
vArticle9AdvisingofCreditsandAmendmentsva.Anadvisingbankthatisnotaconfirmingbankwithoutanyundertakingtohonourornegotiate.vb.theadvisingbanksignifiesthatithassatisfieditselfastotheapparentauthenticityofthecreditoramendmentandthattheadviceaccuratelyreflectsthetermsandconditionsofthecreditoramendmentreceived.vc.thesecondadvisingbanksignifiesthatithassatisfieditselfastotheapparentauthenticityoftheadviceithasreceivedandthattheadviceaccuratelyreflectsthetermsandconditionsofthecreditoramendmentreceived.1、信用证通知、信用证通知vd.Abankutilizingtheservicesofanadvisingbankorsecondadvisingbanktoadviseacreditmustusethesamebanktoadviseanyamendmentthereto.ve.Ifabankisrequestedtoadviseacreditoramendmentbutelectsnottodoso,itmustsoinform,withoutdelay.vf.Ifabankcannotsatisfyitselfastotheapparentauthenticity,itmustsoinform,withoutdelay.Iftheadvisingbankorsecondadvisingbankelectsnonethelesstoadvisethecreditoramendment,itmustinformthebeneficiaryorsecondadvisingbankthatithasnotbeenabletosatisfyitselfastotheapparentauthenticity.v
(1)
(1)无承付或议付信用证款项责任;
无承付或议付信用证款项责任;
v
(2)
(2)通知行无必须通知信用证的义务通知行无必须通知信用证的义务;
v(3)(3)如通知须证实信用证的表面真实性并如实通知信如通知须证实信用证的表面真实性并如实通知信用证内容;
用证内容;
v(4)(4)如如不不能能确确定定信信用用证证的的表表面面真真实实性性,应应毫毫不不延延误误地地告告知知从从其其收收到到指指示示的的银银行行,说说明明其其不不能能确确定定信信用用证证的的真真实实性性。
如如通通知知行行仍仍决决定定通通知知该该信信用用证证,则则必必须须告知受益人它不能核对信用证的真实性。
告知受益人它不能核对信用证的真实性。
2、信用证的保兑、信用证的保兑vArticle2DefinitionsvConfirmation:
meansadefiniteundertakingoftheconfirmingbank,inadditiontothatoftheissuingbank,tohonourornegotiateacomplyingpresentation.vConfirmingbank:
meansthebankthataddsitsconfirmationtoacreditupontheissuingbanksauthorizationorrequest.Article8ConfirmingBankUndertakingva.Providedthatthestipulateddocumentsarepresentedtotheconfirmingbankortoanyothernominatedbankandthattheyconstituteacomplyingpresentation,theconfirmingbankmust:
vi.honour,ifthecreditisavailablebyva.sightpayment,deferredpaymentoracceptancewiththeconfirmingbank;
vb.sightpaymentwithanothernominatedbankandthatnominatedbankdoesnotpay;
vc.deferredpaymentwithanothernominatedbankandthatnominatedbankdoesnotincuritsdeferredpaymentundertakingor,havingincurreditsdeferredpaymentundertaking,doesnotpayatmaturity;
vd.acceptancewithanothernominatedbankandthatnominatedbankdoesnotacceptadraftdrawnonitor,havingacceptedadraftdrawnonit,doesnotpayatmaturity;
ve.negotiationwithanothernominatedbankandthatnominatedbankdoesnotnegotiate.vii.negotiate,withoutrecourse,ifthecreditisavailablebynegotiationwiththeconfirmingbank.vb.Aconfirmingbankisirrevocablyboundtohonourornegotiateasofthetimeitaddsitsconfirmationtothecredit.vc.Aconfirmingbankundertakestoreimburseanothernominatedbankthathashonouredornegotiatedacomplyingpresentationandforwardedthedocumentstotheconfirmingbank.Reimbursementfortheamountofacomplyingpresentationunderacreditavailablebyacceptanceordeferredpaymentisdueatmaturity,whetherornotanothernominatedbankprepaidorpurchasedbeforematurity.Aconfirmingbanksundertakingtoreimburseanothernominatedbankisindependentoftheconfirmingbanksundertakingtothebeneficiary.vd.Ifabankisauthorizedorrequestedbytheissuingbanktoconfirmacreditbutisnotpreparedtodoso,itmustinformtheissuingbankwithoutdelayandmayadvisethecreditwithoutconfirmation.v
(1)信用证加保必须基于开证行的授权或要求,信用证加保必须基于开证行的授权或要求,否则为沉默保兑;
否则为沉默保兑;
v
(2)保兑行为是不可撤销的;
保兑行为是不可撤销的;
v(3)保兑行的付款或议付是无追索权的;
保兑行的付款或议付是无追索权的;
v(4)保兑行对指定行责任独立于对受益人的承保兑行对指定行责任独立于对受益人的承付责任。
付责任。
三、受益人审核信用证三、受益人审核信用证v受益人收到信用证后,依据基础合同对信用受益人收到信用证后,依据基础合同对信用证内容进行审核。
证内容进行审核。
v审核要点:
审核要点:
v
(1)信用证的有效性;
)信用证的有效性;
v
(2)单据条款;
)单据条款;
v(3)期限安排;
)期限安排;
v(4)溢短装条件下的支款安排;
)溢短装条件下的支款安排;
v(5)软条款)软条款;
Theexpressiononoraboutorsi