信用證中英文示例.doc

信用證中文示例 開(kāi)證行：銀行，福州，中國(guó)通知行：銀行，倫敦，英國(guó)開(kāi)證日：20年1月1日茲開(kāi)立第001號(hào)不可撤銷的信用證受益人：倫敦有限公司開(kāi)證申請(qǐng)人：中國(guó)進(jìn)出口公司最高金額：USD50 000(伍萬(wàn)美元，允許短交金額以5%為限)。本信用證憑受益人開(kāi)具以我行為付款人按發(fā)票金額100%計(jì)算的即期匯票付款，該匯票一式兩份，并須附有下列單據(jù)：全套清潔“貨已裝船”、“運(yùn)費(fèi)預(yù)付”，空白抬頭、空白背書的海運(yùn)提單，并須注明：“通知目的港中國(guó)對(duì)外貿(mào)易運(yùn)輸公司”。發(fā)票一式五份，注明合同號(hào)碼和信用證號(hào)碼，20公噸(允許短交以5%為限)，每公噸凈重為1 000公斤的化學(xué)制品，純度90-99%，凈重每公斤價(jià)格2.50美元CIF福州，包裝費(fèi)在內(nèi)。重量單一式四份，載明每箱毛重和凈重。制造商出具的品質(zhì)證明書四份。保險(xiǎn)單一式兩份，按發(fā)票CIF價(jià)加10%投保倫敦協(xié)會(huì)貨物(A)海運(yùn)貨物險(xiǎn)。產(chǎn)地證：英國(guó)。裝箱單，載明貨物用適宜海運(yùn)的新鐵桶裝。自英國(guó)口岸運(yùn)往福州，不得分批裝運(yùn)，允許轉(zhuǎn)船，但須交聯(lián)運(yùn)提單。裝運(yùn)日期不得晚于20年2月14日。本證在倫敦議付有效期至20年2月28日止。所有根據(jù)本證開(kāi)具的匯票須注明“根據(jù)中國(guó)銀行福州分行第001號(hào)信用證出具”。所有根據(jù)本證議付的匯票金額必須在本證背面批注。單據(jù)處理辦法：本證條件之一是，所有單據(jù)應(yīng)分兩次連續(xù)以航郵寄交本行。第一次郵寄包括所有各項(xiàng)單據(jù)，但如某項(xiàng)單據(jù)不只一份者，則留下一份由第二次郵寄。特別指示：本行向根據(jù)本證并按照本證內(nèi)條款開(kāi)出匯票的出票人、背書人和合法持有人保證，在單據(jù)提交本行時(shí)，本行即兌付該匯票。本證以國(guó)際商會(huì)跟單信用證統(tǒng)一慣例(1993年修訂本)條款為準(zhǔn)。 (2)信用證英文示例 From: Bank of Fuzhou, ChinaTo: Bank of London, UKDate:Fab.1,20We open an Irrevocable Credit No.001 in favour of: Company, Limited, London for account of: China I/E Corporation, to the extent of: USD50 000(US dollar Fifty Thousand, 5% less is allowed).This Credit is available by beneficiarys drafts, drawn on us, in duplicate, at sight, for 100% of the invoice value, and accompanied by the following documents:-Full set of clean “on Board”,“ freight prepaid” Ocean Bill of lading, made out to order and blank endorsed, marked“notify China National Foreign Trade Transportation Corporation, at the port of destination.”-Invoice in quintuplicate（一式五份）, Contract No.& CreditNo.,20 metric tons(5% less is allowed) of 1 000kilso net each of chemicals, purity 90-99%,USD2.50 per kilo net CIF Shanghai including packing charges.-Weight Memo indicating gross and net weight of each package in quadruplicate（一式四份）.-Certificate of Quality in four copies issued by the manufactures.-Insurance Policy一(or Certificate)in duplicate covering Marine ICC(A)for full CIF invoice value plus 10%.-Certificate of Origin: United Kingdom.-Packing List: Packed in seaworthy new steel drums.Shipment from UK port to Fuzhou. Partial shipment is not allowed. Transshipment is allowed, through B/L required. Shipment to be made on or before February 15,20.This Credit is valid in London on or before February 30, 20,for negotiation and all drafts drawn hereunder must be marked“drawn under Bank ofFuzhou China ,Credit No.001 ”.Amount of drafts negotiated under this credit must be endorsed on the back hereof.Disposal of Documents: It is a condition of this credit that the documents should be forwarded to us by two consecutive airmails, the firs mail consisting of all documents except one of each items, if more than one, to be sent by second mail.Special Conditions:We hereby engage with the drawers, endorsers and bona fide holders of bills drawn and presented in accordance with the term of this credit that the bills shall be duly honored on presentation.This credit is subject to ICC Uniform Customs and Practice for Documentary Credits(1993revision).看懂信用證以及審核信用證的一些技巧 第一步 看證：“編號(hào)看證”法，先看編號(hào)歸大類，再看“+”或“-”分小類，免得混淆遺漏用不了幾次就熟悉信用證了。有些條款內(nèi)容很長(zhǎng)，中間還分好幾部分，但只要是在一個(gè)編號(hào)下，都同屬一個(gè)性質(zhì)內(nèi)容。 常見(jiàn)條款編號(hào)在網(wǎng)上很好查的，Google中輸入“信用證常見(jiàn)項(xiàng)目表示方式” 第二步就是要審核了，最基本的衡量標(biāo)準(zhǔn)有三個(gè)：知名大銀行開(kāi)立、單證要求合理可行、無(wú)“軟條款”。一、知名大銀行開(kāi)立：花旗銀行(Citibank)、巴黎國(guó)民銀行（Banque Nationale de Paris）、大通曼哈頓銀行（Chase Manhattan Bank）、德意志銀行（Deutsche Bank）、匯豐銀行（Hongkong and Shanghai Banking Corp）等等。雜牌小銀行的信用證，條件是“經(jīng)保兌（confirmed）”。銀行做保兌是要收費(fèi)的（各銀行視情形不同保兌費(fèi)數(shù)額不等，以總金額0.2%為常見(jiàn)，具體數(shù)額可事先征詢?cè)蹅兊你y行）查證銀行信譽(yù)技巧：比如根據(jù)開(kāi)證行所在國(guó)家地區(qū)，去查閱中國(guó)駐該國(guó)的大使館官方網(wǎng)站（經(jīng)濟(jì)商務(wù)參贊處網(wǎng)頁(yè)，或當(dāng)?shù)亟?jīng)濟(jì)概況欄目） 比如中國(guó)駐泰國(guó)大使館商務(wù)參贊處網(wǎng)站對(duì)于泰國(guó)商業(yè)銀行的介紹： /aarticle/jmjg/zwjrjg/200305/20030500091780.html 二、單證要求合理可行兩個(gè)原則：審核的時(shí)候注意分析條款可能的隱患和對(duì)實(shí)際操作的影響；有隱患的條款，盡量讓外商修改。期限的審核：最后船期、交單期和有效期軟條款審核（一）44C最后裝船期外貿(mào)的海運(yùn)提單上，例行有一個(gè)用“SHIPPED ON BOARD DATE”標(biāo)注的日期，可以是提單固定的欄目，也可以是蓋藍(lán)色章。個(gè)別提單沒(méi)有這個(gè)標(biāo)注的，銀行就提單發(fā)出日期（issued date）為準(zhǔn)。這個(gè)日期代表貨物已裝船付運(yùn)。所以，從貨物備妥到“SHIPPED ON BOARD”，正常情況下預(yù)留7天較為穩(wěn)妥。（二）48交單期交單期規(guī)定了我們必須在提單“SHIPPED ON BOARD”日期后幾天內(nèi)把全套單證交付銀行。UCP600中，對(duì)交單期的最長(zhǎng)期限為21天。一般歐洲的客戶允許15至20天，但日、韓、澳洲、東南亞地區(qū)客戶則喜歡把交單期卡得很緊。除提單外，其它的單證如發(fā)票/裝箱單/產(chǎn)地證等，都可以在貨物付運(yùn)前完成，沒(méi)有多大問(wèn)題。只有提單只能在“SHIPPED ON BOARD”后取得。習(xí)慣上交單期應(yīng)不少于12天為適宜?！景咐?】信用證規(guī)定，所有單據(jù)在船期后7天內(nèi)交付銀行。 實(shí)際操作中，船期為6月15日，逢周五。貨代周六、日不辦公，18日周一開(kāi)始校對(duì)提單，確認(rèn)費(fèi)用。19日貨代快遞出運(yùn)雜費(fèi)發(fā)票，業(yè)務(wù)員20日收到并轉(zhuǎn)交會(huì)計(jì)辦理轉(zhuǎn)賬。21日貨代收到運(yùn)雜費(fèi)，出具正本提單快遞出來(lái)，原定22日業(yè)務(wù)員可收到，但快遞公司遲誤。因22日逢周五，如果不能交付銀行，只能下周一24日交單，逾期2天，重大不符點(diǎn)。最后業(yè)務(wù)員打爆快遞公司的電話，才終于拿到提單，趕在下午4點(diǎn)交到銀行，險(xiǎn)情過(guò)關(guān)。（三）31D有效期/到期地31D是信用證的“大限”。正常情況下，就是最后裝船期加上交單期。例如信用證規(guī)定，最后裝船期為6月15日，交單期7天，則有效期相應(yīng)即為6月22日。但也有自相矛盾的情況。比如最后船期為6月15日，交單期7天，有效期卻同樣是6月15日。這種船期就是效期的情況稱之為“雙到期”?！半p到期”使信用證字面上的最后裝船期形同虛設(shè)，實(shí)際操作就應(yīng)把最后船期自己估算提前那么十幾天。 有效期的到期地也應(yīng)注意。如果是國(guó)外到期，就意味著要把單證從中國(guó)快遞到外國(guó)所需時(shí)日。國(guó)際快遞目前需1天至1周不等，取決于快遞公司，且不確定因素多，預(yù)留7天較為穩(wěn)妥。碰到不得已“倒簽提單”，還要注意是否趕得上有效期。比如案例中信用證船期6月15日，實(shí)際船期為6月20日，也就是6月20日以后才能辦理提單。此時(shí)就算能倒簽至15日，也很難趕在22日大限前拿到提單交付銀行。 總結(jié)以上經(jīng)驗(yàn)，審核信用證時(shí)，預(yù)計(jì)趕活會(huì)比較緊張的，穩(wěn)妥計(jì)算三個(gè)期限。貨物備妥后至少預(yù)留7天作為最后裝船期，交單期盡量不少于12天，注意有效期和到期地。如果時(shí)間上趕不及，最好請(qǐng)外商及時(shí)修改。警惕“雙到期”和“國(guó)外到期”。 （四）識(shí)別“軟條款”識(shí)別信用證“軟條款”有兩個(gè)訣竅：一是確?？蛻魶](méi)有付款取得單證之前（行話叫贖單）無(wú)法提貨?！疤釂螐浇毁I方”之類的顯然就是軟條款了；二是確?！爸茊尾磺笕恕保_切地說(shuō)是“不求客戶”，也就是信用證中不要規(guī)定由買方簽署出具什么單證，所有的單證，都有咱們出口商自己繕制，或由官方機(jī)構(gòu)，或貨運(yùn)公司出具。凡是違反這一點(diǎn)的，均可視為軟條款，比如“買方檢驗(yàn)報(bào)告”、“買方裝運(yùn)通知”等等。 例如：信用證中規(guī)定“貨物發(fā)運(yùn)前須經(jīng)買方檢驗(yàn)并出具檢驗(yàn)報(bào)告”。例如：信用證中規(guī)定“貨物發(fā)運(yùn)前須經(jīng)買方檢驗(yàn)并出具檢驗(yàn)報(bào)告”。練習(xí)：1.“船期航線由開(kāi)證申請(qǐng)人（即買方）通知，隨附買方航線確認(rèn)”。2.“正本提單之一直接寄交申請(qǐng)人（即買方）”。（日本韓國(guó)東南亞這些國(guó)家，過(guò)期提單的出現(xiàn)）面臨錢貨兩空的危險(xiǎn)-特別是開(kāi)證行與客戶勾結(jié)的情形下。（如果是你怎么做） 案 例華信公司與加拿大JBS公司經(jīng)過(guò)幾個(gè)回合的交易磋商，就各項(xiàng)交易條件達(dá)成共識(shí)，概括如下：成交價(jià)格條件：CIFC5% TORONTO（多倫多）包裝條件：紙箱包裝。交貨裝運(yùn)條件：貨物用集裝箱自中國(guó)經(jīng)海運(yùn)至加拿大多倫多港，裝運(yùn)期為1998年4月。保險(xiǎn)條件：由賣方按CIF成交金額的110%投保中國(guó)人民保險(xiǎn)公司海運(yùn)貨物水漬險(xiǎn)、碰損破碎險(xiǎn)和戰(zhàn)爭(zhēng)險(xiǎn)。（WPA AND CLASH & BREAKAGE & WAR RISKS）付款條件：不可撤銷即期信用證付款。第二步：根據(jù)前交易條件，制定出合同（已知條件）陶瓷餐茶具SALES CONFIFMATIONS/C NO.:SHHX98027 DATE:03-APR-98The Seller:huaxin TRADING CO.,LTD.THE BUYER:JAMSBROWN &SONSADDRESS:14TH FLOOR KINGSTAR MANSION,676 JINLIN RD.,SHANGHAICHINA ADDRESS:#304-301 JALANSTREET, TORONTO,CANADA ART.NO.CommidityUnitQuantityUnit Price(US$)Amount(US$)HX1115HX2012HX4405HX4510CHINESE CERAMIC DINNERWARE35PCS DINNERWEAR&Tea SET20PCS DINNERWARE SET47PCS DINNERWARE SET95PCS DINNERWARE SETSETSETSETSET54280044325423.5020.4023.2030.10CIFC5 TORONTO12737.0016320.0010277.607645.4046980.00TOTAL CONTRACT VALUE:SAY US DOLLARS FORTY SIX THOUSAND NINE HUNDRED AND EIGHTY ONLY.PACKING:HX2012 IN CARTONS OF SETS EACH AND HX1115,HX4405 AND HX4510 TO BE PACHED IN CARTONS OF 1 SET EACH ONLY.TOTAL:1639 CARTONSPORT OF LOADING & DESTINATION:FROM:SHANGHAI TO:TORONTOTIME OF SHIPMENT:TO BE EFFECTED BEFORE THE END OF APRIL 1998 WITH PARTIAL SHIPMENT ALLOWEDTERMS OF PAYMENT:THE BUYER SHALL OPEN THOUGH A BANK ACCEPTABLE TO THE SELLER AN IRREVOCABLE L/C AT SIGHT TO REACH THE SELLER BEFORE APRIL 10,1998 VALID FOR NEGOTIATION IN CHINA UNTIL THE 15TH DAY AFTER THE DATE OF SHIPMENT.INSURANCE:THE SELLER SHALL COVER INSURANCE AGAINSTT WPA AND CLASH & BREAKAGE & WAR RISKS FOR 110% OF THE TOTAL INVOICE VALUE AS PER THE RELEVANT OCEAN MARINE CARGO（海洋運(yùn)輸貨物保險(xiǎn)）as per I.C.C. DATED 1/1/1981.Confirmed by:THE SELLERTHE BUYERHUAXIN TRADING CO.,LTDMANAGER趙建國(guó)(signature)(signature)REMARKS:1. The buyer shall have the covering letter of credit reach the seller 30days before shipment. 2. For transactions concluded on C.I.F.basis,it is understood that the insurance amount will be for 110% of the invoice value against the all risks specified in the Sales Confirmation .If additional insurance amount or coverage required .the Buyer must have the consent of the Seller before Shipment and the additional premium is to borne by the Buyer.3. Special condition:(These shall prevail over all printed terms in case of any conflict.)第三步：根據(jù)前兩步已知條件，開(kāi)證銀行開(kāi)出信用證。1998年4月8日，華信公司收到JBS公司通過(guò)加拿大皇家銀行開(kāi)來(lái)的編號(hào)為98/0501-FTC的信用證信開(kāi)本，在裝運(yùn)貨物之前，華信公司需要對(duì)國(guó)外來(lái)證進(jìn)行仔細(xì)的審核，指出信用證存在的問(wèn)題，以便聯(lián)系進(jìn)口商要求修改。THE ROYAL BANK OF CANADABRITISH COLUMBIA INTERNATIONAL CENTRE1055 WEST GEORGIA STREET.VANCOUNER,B.C.V6E 3P3CANADACONFIRMATION OF TELEX/CABLE PRE-ADVISEDDATE:APR 8,1998TELEX NO.4720688 CAPLACE:VANCOUVERIRREVOCABLE DOCUMENTARY CREDITCREDIT NUMBER:98/0501-FTCADVISING BANKS REF.NO.ADVISING BANK:SHANGHAI A J FINANCE CORPORATION59 HONGKONG ROADSHANGHAI 200002,CHINAAPPLICANT:JAMES BROWN & SONS#304-310 JALAN STREET,TORONTO,CANADA BENEFICARY:HUAXIN TRADING CO.,LTD.14TH FLOOR KINGSTAR MANSION,676 JINLIN RD.,SHANGHAI CHINAAMOUNT:USD46,980.00(US DOLLARS FORYT SIX THOUSAND NINE HUNDRED AND EIGHTEEN ONLY) EXPIRY DATE:MAY 15,1998FOR NEGOTIATION IN APPLICANTS COUNTRY GENTLEMEN:WE HEREBY OPEN OUR IRREVOCABLE LETTER OF CREDIT IN YOUR FAVOR WHICH IS ANAILABLE BY YOUR DRAFTS AT SIGHT FOR FULL INVOICE VALUE ON US ACCOMPANIED BY THE FOLLOWING DOCUMNETS: SIGNED COMMERCIAL INVOICE AND 3 COPIES PACKING LIST AND 3 COPIES SHOWING THE INDIVIDUAL WEIGHT AND MEASUREMENT OF EACH ITEM. FULL SET CLEAN ON BOARD OCEAN BILLS OF LADING SHOWING FREIGHT PREPAID CONSIGNED TO ORDER OF THE ROYAL BANK OF CANADA INDICATING THE ACTUAL DATE OF THE GOODS ON BOARD AND NOTIFY THE APPLICANT WITH FULL ADDRESS AND PHONE NO.77009910 INSURANCE POLICY OR CERTIFICATE FOR 130 PERCENT OF INVOICE VALUE COVERING:INSTITUTE CARGO CLAUSES(A) AS PER I.C.C.DATED 1/1/1982. 4 ITEMS TEMS OF CHINESE CERAMIC DINNERWARE INCLUDING:HX1115 544SETS,HX2012 800SETS,HX4405 443SETS AND HX4510 245SETSSHIPMENT FROMSHANGHAI TOVANCOUVER LATESTAPRIL 30,1998PARTIAL SHIPMENTSPROHIBITED TRANSSHIPMENTPROHIBITED DRAFTS TO BE PRISENTED FOR NEGOTIATION WITHIN 15 DAYS AFTER SHIPMENT,BUT WITHIN THE VALIDITY OF CREDIT.ALL DOCUMENT TO BE FORWARDED IN ONE COVER,BY AIRMAIL,UNLESS OTHERWISE STATED UNDER SPECIAL INSTRUCTIONS.DRAFT MUST BE MARKED AS BEING DRAWN UNDER THIS CREDIT.THIS CREDIT IS SUBJECT TO THE UNIFORM CUSTOMS AND PRACTICE FOR DOCUMENTARY CREDITS(1993 REVISION)BY THE INTERNATIONAL CHAMBER OF COMMERCE PUBLICATION NO.500.Yours Very Truly,David foneFoanne SusanAUTHORIZED SIGNATRUEAUTHORIZED SIGNATRUE第四步：對(duì)開(kāi)證行開(kāi)出的信用證進(jìn)行審核。陶瓷餐茶具加拿大皇家銀行信用證審核結(jié)果信用證存在的問(wèn)題應(yīng)當(dāng)如何進(jìn)行修改要求修改信用證的理由信用證大小寫金額不一致大寫NINE HUNDRED AND EIGHTY ONLY大寫金額低于合同金額信用證在國(guó)外過(guò)期FOR NEGOTIATION IN BENEFICIARY CONUTRY國(guó)外到期易產(chǎn)生逾期保險(xiǎn)金額過(guò)高FOR 110 PERCENT OF INVOICE VALUE投保金額超出合同規(guī)定保險(xiǎn)險(xiǎn)別錯(cuò)誤WPA,CLASH & BREAKAGE,WAR RISKS AS PER應(yīng)當(dāng)根據(jù)合同規(guī)定投保證明裝運(yùn)貨物數(shù)量有誤HX1115 542SETS;HX4510 254SETS裝運(yùn)數(shù)量多于合同規(guī)定目的港有誤SHIPMENT FROM SHANGHAI TO TORONTO目的港應(yīng)與合同相符禁止轉(zhuǎn)運(yùn)TRANSSHIPMENT PERMITTED合同明確規(guī)定允許轉(zhuǎn)運(yùn)信用證 電開(kāi)本 樣本Issue of a Documentary Credit BKCHCNBJA08E SESSION: 000 ISN: 000000 BANK OF CHINA LIAONING NO. 5 ZHONGSHAN SQUARE ZHONGSHAN DISTRICT DALIAN CHINA-開(kāi)證行 Destination Bank KOEXKRSEXXX MESSAGE TYPE: 700 Type of Documentary Credit 40A IRREVOCABLE-信用證性質(zhì)為不可撤消 Letter of Credit Number 20 LC84E0081/99-信用證號(hào)碼,一般做單時(shí)都要求注此號(hào) Date of Issue 31G 990916-開(kāi)證日期 Date and Place of Expiry 31D 991015 KOREA-失效時(shí)間地點(diǎn) Applicant Bank 51D BANK OF CHINA LIAONING BRANCH-開(kāi)證行 Applicant 50 DALIAN WEIDA TRADING CO., LTD.-開(kāi)證申請(qǐng)人 Beneficiary 59 SANGYONG CORPORATION CPO BOX 110 SEOUL KOREA-受益人 Currency Code, Amount 32B USD 1,146,725.04-信用證總額 Available with.by. 41D ANY BANK BY NEGOTIATION-呈兌方式任何銀行議付，有的信用證為 ANY BANK BY PAYMENTDrafts at 42C 45 DAYS AFTER SIGHT-見(jiàn)證45天內(nèi)付款 Drawee 42D BANK OF CHINA LIAONING BRANCH-付款行 Partial Shipments 43P NOT ALLOWED-分裝不允許 Transhipment 43TNOT ALLOWED-轉(zhuǎn)船不允許 Shipping on Board/Dispatch/Packing in Charge at/ from 44A RUSSIAN SEA- 起運(yùn)港 Transportation to 44B DALIAN PORT, P.R.CHINA -目的港 Latest Date of Shipment 44C 990913-最遲裝運(yùn)期 Description of Goods or Services: 45A-貨物描述 FROZEN YELLOWFIN SOLE WHOLE ROUND (WITH WHITE BELLY) USD770/MT CFR DALIAN QUANTITY: 200MT ALASKA PLAICE (WITH YELLOW BELLY) USD600/MT CFR DALIAN QUANTITY: 300MT Documents Required: 46A-議付單據(jù) 1. SIGNED COMMERCIAL INVOICE IN 5 COPIES.-簽字的商業(yè)發(fā)票五份 2. FULL SET OF CLEAN ON BOARD OCEAN BILLS OF LADING MADE OUT TO ORDER AND BLANK ENDORSED, MARKED FREIGHT PREPAID NOTIFYING LIAONING OCEAN FISHING CO., LTD. TEL 86)411-3680288-一整套清潔已裝船提單, 抬頭為TO ORDER 的空白背書,且注明運(yùn)費(fèi)已付,通知人為L(zhǎng)IAONING OCEAN FISHING CO., LTD. TEL 86)411-3680288 3. PACKING LIST/WEIGHT MEMO IN 4 COPIES INDICATING QUANTITY/GROSS AND NET WEIGHTS OF EACH PACKAGE AND PACKING CONDITIONSAS CALLED FOR BY THE L/C.-裝箱單/重量單四份, 顯示每個(gè)包裝產(chǎn)品的數(shù)量/毛凈重和信用證要求的包裝情況. 4. CERTIFICATE OF QUALITY IN 3 COPIES ISSUED BY PUBLIC RECOGNIZED SURVEYOR.-由PUBLIC RECOGNIZED SURVEYOR簽發(fā)的質(zhì)量證明三份. 5. BENEFICIARYS CERTIFIED COPY OF FAX DISPATCHED TO THE ACCOUNTEE WITH 3 DAYS AFTER SHIPMENT ADVISING