信用证案例.doc

[案例1]

××年12月5日,国内某公司(下称受益人)向当地某银行(下称议付行)提呈了S国某银行(下称开证行)开出的信用证项下出口单据一套,:正本检验证书由申请人的授权签字人签发,,于次日以单证相符向国外寄单索汇.
××年12月16日,议付行收到开证行的拒付电,拒付理由为:"Inspection Certificate Cannot varified by the issueing bank."当日议付行即联络受益人征询意见,(即申请人)亲自来验货时签发的,其签字的真实性当无问题,开证行所提不符点纯属无理挑剔,,12月17日议付行去电开证行陈述受益人观点,,仍以先前所列不符点为由拒付,,,并建议受益人,,,开证行同意迟单,此案闭卷.
三,分析
,开证行可根据申请人的意愿随时地,单方面地解除其保证付款的责任,其实质是变相的可撤销信用证,是不法分子行骗时经常使用的工具和手段,它不仅削弱了信用证方式在国际贸易结算中的正常作用,使出口商因经验不足或一时疏忽而蒙受重大经济损失,而且还会祸及银行,,申请人完全可以根据货物的市场情况来签发检验证书,以满足其接受或拒收货物的意愿,使出口商处于被动的地位,:
1,Cargo Receipt issued and signed by authorized signatory(ies) of the applicant whose signature must be inconformity With Our records,certifying that the goods have been received in good order,3howing the quantity,value of goods,date of delivery and letter of credit number.(由申请人的授权签字人签发的收货单据上要证明货物符合品质要求,显示货物数量和价值,交货日期及信用证号码,收货单据上的签字样式须与我方记录一致.)
advice issued by the applicant whose signature(s) must be inconformity with L/C issuing bank records,Showings the name of vessel and approving the date of shipment.(由申请人签发的装船通知书,显示船名,证明装运日期,其签字样式须与开证行留底记录一致.)
's certificate certifying that one set of non- negotiable shipping documents has been received. The applicant's authorized signature must be in conformity with the record concerned.(申请人证明信,证明一套不可议付的货运单据已收妥,申请人的授权签字样式须与有关记录一致.)
L/C amendment through L/C issuing bank Confirming that samples have been received and quality is accepted by the applicant before shipment.(开证行发出的正本信用证修改,确认申请人在装运前已收样品,并接受其品质.)
Can only be effect upon receipt of applicant's shipping instructions through L/C opening bank nominating