信用证流程及业务操作.pptx

受益人
申请人
通知行
开证行
承运人
偿付行
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信用证业务简略流程
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一、信用证的申请与开立
1、申请人申请开立信用证
(1) 选择开证银行
(2)申请人填制申请书
申请书是开证行与申请人之间的契约,其目的是约束开证行、受益人与申请人,使其按指示行事。信用证一旦开立,开证行与受益人按信用证行事,但开证行与申请人之间仍须受申请书约束,且二者是相互独立的。
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.
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2、开证行开立信用证
(1)开证行审核申请人资信
(2)开证行审核申请书
(3)开证行按申请书开立信用证(参阅ISPB )
(4)信用证生效
开证行应特别注意索偿及偿付条款:
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二、信用证通知与保兑
(1)通知行承担什么责任?
(2)如何通知信用证?
(3)保兑行责任与权利?
(4)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?
(5)保兑行如何付款?
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Article 9 Advising of Credits and Amendments
a. … An advising bank that is not a confirming bank … without any undertaking to honour or negotiate.
b. … the advising bank signifies that it has satisfied itself as to the apparent authenticity of the credit or amendment and that the advice accurately reflects the terms and conditions of the credit or amendment received.
c. … the second advising bank signifies that it has satisfied itself as to the apparent authenticity of the advice it has received and that the advice accurately reflects the terms and conditions of the credit or amendment received.
1、信用证通知
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d. A bank utilizing the services of an advising bank or second advising bank to advise a credit must use the same bank to advise any amendment thereto.
e. If a bank is requested to advise a credit or amendment but elects not to do so, it must so inform, without delay….
f. If a bank … cannot satisfy itself as to the apparent authenticity …, it must so inform, without delay…. If the advising bank or second advising bank elects heless to advise the credit or amendment, it must inform the beneficiary or second advising bank that it has not been able to satisfy itself as to the apparent authenticity ….
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(1)无承付或议付信用证款项责