关于审核跟单信用证项下单据的国际标准银行实务ISBP英文版.docx

关于审核跟单信用证项下单据的国际标准银行实务ISBP英文版.docx

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关于审核跟单信用证项下单据的国际标准银行实务ISBP英文版

《关于审核跟单信用证项下单据的国际标准银行实务》

（InternationalStandardBankingPracticefortheExaminationofDocumentsunderDocumentaryCredits，shortenedform“ISBP”）

Introduction

AtitsMay2000meetingtheCommissiononBankingTechniqueandPracticeofthe

InternationalChamberofCommerce（the“ICCBankingCommission”）charteredaTask

Forcetodocumentinternationalstandardbankingpracticefortheexaminationofdocuments

asreflectedinthearticlesoftheUniformCustomsandPracticeforDocumentaryCredits.

WhiletheTaskForcehasbaseditsworkonInternationalChamberofCommercePublication

No.500（UCP）,theprinciplessetforthherearelikelytobegenerallyapplicableto

succeedingrevisions,becausethisstatementofpracticeisconsistentwiththeUCPandthe

OpinionsandDecisionsoftheICCBankingCommission.Thefinalproductreflectstheinput

fromICCNationalCommitteesandindividualICCmembers.Gratefulacknowledgementis

madeofthethousandsofhourscontributedbymembersoftheTaskForceandothers.

IntheopinionoftheICCBankingCommission,thisdocumentstatesinternationalstandard

bankingpracticeasreflectedinthearticlesofUCP.Thisdocumentsupplementsandexplains

thepracticesonwhichtheUCPisbasedandshouldnotbeviewedasanamendmenttothe

UCP.SomeofthesepracticesareassumedinUCP,whileothersareimplied,thereforethis

documentmustbereadinconjunctionwiththerelevantUCPprovisions.

Noexercisecananticipateallthetermsorthedocumentsthatmaybeusedinconnectionwith

documentarycredits（“credits”）ortheirinterpretationundertheUCPandthestandard

practiceitreflects,muchlesstheevolutionofpracticeinresponsetochangingcommercial

needs.Nevertheless,aseriousattempthasbeenmadetoaddressdiscreteissuesthat

commonlyarisebutarenotexpresslytreatedintheUCPinlightoftheprinciplesthatshape

standardbankingpractice.TheapplicationoftheUCP,andthepracticesdocumentedinthis

publication,shouldenablepartiestodealsuccessfullywithalmostanyexamination

eventuality.

Apartfromtechnicalrulesofstandardpracticeitmustberecognizedthatthesuccessful

completionofatransactionalsorequiresgoodfaithonthepartofallinvolvedandthe

exerciseofsoundjudgement.

Itmustalsoberecognisedthatthecreditcanvarystandardbankingpractice,asstatedin

Article1ofUCP.AnyterminacreditwhichmodifiesoraffectstheapplicabilityoftheUCP

willalsohaveanimpactonthestandardbankingpractices.Therefore,inconsidering

documentarycompliance,partiesmustobserveandtakeintoaccountanyterminacreditthat

expresslyexcludesormodifiesaprovisioninanArticleoftheUCP.Whilethisprincipleis

assumedthroughoutthisdocument,itissometimesexpresslystatedforemphasisorto

illustrateaprinciple.Theabsenceofsuchareference,however,doesnotimplythattheterms

ofthecreditmaynotoverridethegeneralpropositionstatedinthesepractices.

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Thispublicationisorganisedintothreeparts.Thefirstis“PreliminaryConsiderations”.The

secondaddresses”GeneralPrinciples”whichmayapplytoanydocument.Thethirddeals

withdocumentscommonlyrequiredbycredits.

TheInternationalStandardBankingPracticefortheExaminationofDocumentsarticulates

internationalstandardbankingpracticeforissuers,nominatedbanks,andbeneficiaries.

Applicants,however,shouldnotassumethattheymayrelyontheseprovisionsinorderto

excusetheirobligationstoreimbursetheissuer,sincetheirobligations,rights,andremedies

dependupontheirundertakingwiththeissuer,theperformanceoftheunderlyingtransaction,

andthetimelinessofanyobjectionunderapplicablelawandpractice.

TheUCPandthispublicationshouldbereadintheirentirety.Pleasenotethattheheadingof

eachsectionisforreferenceastointentandpurposeonly.Itisnottobeconstruedasother

thansolelyforbenefitorguidance.Thereshouldbenolegalimputation.

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PRELIMINARYCONSIDERATIONS

TheApplicationandIssuanceoftheCredit

1.Thetermsofacreditareindependentoftheunderlyingtransactionevenifthecredit

expresslyreferstothattransaction.Toavoidunnecessarycosts,delays,anddisputesin

theexaminationofdocuments,however,theapplicantandbeneficiaryshouldcarefully

considerwhichdocumentsshouldberequired,bywhomtheyshouldbeproduced,and

thetimeframeforpresentation.

2.Theapplicantbearstheriskofanyambiguityinitsinstructionstoissueoramendacredit.

Unlessexpresslystatedotherwise,arequesttoissueoramendacreditauthorizesan

issuertosupplementordevelopthetermsinamannernecessaryordesirabletopermit

theuseofthecredit.

3.TheapplicantshouldbeawarethattheUCPcontainsarticlessuchasArticles13,20,21,

23,24,26,27,28,39,40,46and47thatdefinetermsinamannerthatmayproduce

unexpectedresultsunlesstheapplicantfullyacquaintsitselfwiththeseprovisions.For

example,inacreditrequiringpresentationofamarinebilloflading,aprohibition

againsttranshipmentwillhavetospecificallyexcludeUCP500Sub-Article23d.A

statementinacreditthattranshipmentisprohibitedwillstillallowtranshipmenttooccur,

subjecttotheconditionsoftheabovesub-Article.

4.Acreditshouldnotrequirepresentationofdocumentsthataretobeissuedand/or

countersignedbytheapplicant.Ifthecreditisissuedincludingsuchterms,the

beneficiarymusteitherseekamendmentorcomplywiththemandbearstheriskoffailure

todoso.

5.Manyoftheproblemsthatariseattheexaminationstagecouldbeavoidedorresolvedby

carefulattentiontodetailintheunderlyingtransaction,thecreditapplication,and

issuanceofthecreditasdiscussed.

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GENERALPRINCIPLES

IssuerofDocuments

6.Whereacreditindicatesthatadocumentistobeissuedbyanamedentity,thecondition

issatisfiedif:

a）thedocumentappearstobeissuedbythenamedentity-i.e.onitsletterheador

specifiedformand,ifrequired,appearstobesignedbythenamedentity;or

b）thedocumentisissuedonunheadedpaperbutwithinitsbodythereisevidenceof

completionbyand/orsignatureofthenamedentity.

Language

7.Accordingtointernationalstandardbankingpractice,documentsmustbeissuedinthe

languageofthecredit.Anissuingbankwhichrequiresdocument（s）inanotherlanguage（s）

thanthatofthecreditmustsostateinthecredit.Whenacreditstatesthatdocumentsin

twoormorelanguagesareacceptable,anominatedbankmayinitsadviceofthecredit

limitthenumberofacceptablelanguagesasaconditionofitsengagementintheircredit

orconfirmation.

Dates

8.Documentssuchasdrafts,certificates,declarations,statements,transportdocumentsand

insurancedocumentsmustbedatedandsigned.Whetherotherdocumentsrequiredating

willdependonthenatureandcontentofthedocumentinquestion.Arequirementfora

documenttobedated-otherthanthosementionedabove-maybesatisfiedbylinkage

withinitscontenttothedateofanotherdocumentformingpartofthesamepresentation

（e.g.whereashippingcertificatewillbeissuedwhichstates“dateasperbilloflading

numberxxx”orsimilar）.

9.Documentsmaybeissuedafterthedateofshipment.However,theissuancedateof

documentsmustnotbelaterthanthedatethedocumentsarepresented.Whereacredit

requiresapre-shipmentinspectioncertificateoradocumentincorporatingsuchwording,

itmayalsobeissuedafterthedateofshipment.However,insuchcase,eitheritstitleor

contentmustindicatethatinspectiontookplacepriortooronthedateofshipment.

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10.Adocumentindicatingadateofpreparationandadateofsigningisdeemedtobeissued

onthedateofsigning.

11.Theruleforpresentationinsub-Article43（a）ofUCP500onlyappliestopresentations

thatmustcontainoriginaltransportdocuments.Thetransportdocumentsarethosewhich

fallunderthecategorytobereviewedunderArticles23–29.

12.Phrasesareoftenusedtosignifytimeoneithersideofadateorevent.

a）“within2daysof”or“within2daysafter”indicatesaperiodfromthedateofthe

eventuntil2daysaftertheevent.Theterm“within”whenusedinconnectionwitha

dateexcludesthatdateincalculationoftheperiod.

b）“notlaterthan2daysafter”doesnotindicateaperiod,onlyalatestdate.Ifanadvice

mustnotbedatedpriortoaspecificdate,thecreditmustsostate.Wherethe

documentindicatesthattheeventhasalreadyoccurred,thetimebeforecannotbe

included.

c）“atleast2daysbefore”indicatesthatsomethingmusttakeplacenotlaterthan2days

beforeanevent.Thereisnolimitastohowearlyitmaytakeplace.

13.Datesmaybeexpressedindifferentformatsprovidedthatthedateintendedcanbe

determinedfromthedocumentorpresentation.Forexample,the12thofNovember2001

couldbeexpressedas12Nov01,12Nov01,12.11.2001,12.11.01,2001.11.12,11.12.01,

121101,etc.Toavoidconfusionitisrecommendedthatthenameofthemonthshouldbe

usedinsteadofthenumber.ICCOpinionR210.

TitleofDocuments

14.Documentsshouldbetitledascalledforinthecredit,orbearatitleofsimilarintent,or

maybeuntitled.Forexample,acreditrequirementfora“PackingList”mayalsobe

satisfiedbyadocumenttitled“PackingNote”or“PackingandWeightList”,etc.The

contentofadocumentmustappeartofulfillthefunctionoftherequireddocument.Inthe

aboveexampleitmustincludepackingdetails.

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15.Ifadocument