信用證常見不符點問題

1、總結了一些信用證比較常見的不符點，希望能給大家審單的時候提個醒：here are some common discrepancies which can be a reminder when you auditing a document:時間不符類： discrepancies about time:1 .信用證過期；the l/c expired;2 .信用證裝運日期過期；l / c date of shipment expires;3 .受益人交單過期；presentation document by beneficiary expires單據(jù)內容類： discrepancies abo

2、ut content1 . 交單單據(jù)不齊(缺少裝船通知 或 快遞單據(jù)、證明 等)；lackof documents (lackof adviceof shipmentordelivery documents, certificate etc. )2 .提單沒有運費付訖字樣(一般來說，如果客戶是做fob 的，出的又是船東提單，船公司是不允許提單上出現(xiàn)“ freight prepaid ”字樣的) ；b/l is not marked “freight prepaid ” (generally speaking, under fob and master b/l, “freight prepaid

3、 ” cannot be marked on b/l);3 .船證沒有按信用證要求出具(船證一般由船公司出具，但大部分船公司都有自己的固定格式，不能完全按照信用證要求顯示，因此產生不符) ；vessel certificate is not issued by the requirement of l/c(the vessel certificate is generally issued by shipping company, but most of the shipping companies have their own fixed format and it cannot be fu

4、lly shown in accordance with l/c requirements. therefore, a discrepancy occurs);4 .各種單據(jù)的類別與信用證不符；discrepancies between each document category and l/c;5 .投保的險種與信用證不符；discrepancies between types of insurance and l/c;6 .運輸單據(jù)和保險單據(jù)的背書錯誤或沒有按要求背書；the endorsement error of transport document and insurance do

5、cument or not according to the requirements of endorsement;7 .貨物短裝或超裝（一般信用證都會有 5-10% 的數(shù)量上落差允許，可以在客戶開證之前再做提醒） ；cargo short or over loaded (generally, l/c allows a 5-10% drop, so you canremind your customers before issuing l/c);8 . 單據(jù)沒按要求簽字蓋章； documents do not be signed and sealed as required;9 .單據(jù)份數(shù)與

6、信用證要求不一致（包括提單，這是可以提前與貨代溝通的）documents copies are not in agreement with l/c (including b/l, which can be confirmed in advance with freight forwarding)在造成不符點的問題中，除了由非受益人出具的單據(jù)外（提單、船證、產地證、驗貨證明等） ，由受益人出具的證明和文件都是可控的，只要我們足夠細心，很多時候，不符點都是可以避免的。among the problems caused by discrepancies, in addition to the doc

7、uments issued by the beneficiary (bill of lading, vessel certificate, certificate of origin, inspection certificate, etc.), certificates and documents issued by the beneficiary are controlled. as long as we are careful enough, many discrepancies are avoidable.要注意看信用證的有效期、出貨日期 是否在我們能安排的范圍內，信用證中是否有要求一

8、些由客戶或其他第三方出具的證明或文件， 謹記：只有受益人自身能做的單據(jù)和文件，才是可控的。要想更好地控制 不符點，提前做好準備是關鍵。when received the l/c draft, we ought to concern whether the validity, shipment date is in range that we can arrange and whether l/c requires some certificates or documents issued by customers or the third parties. please remember: o

9、nly documents and files that are made by beneficiary are controllable. in order to better control discrepancies, the key is to prepare well in advance.7.貨物短裝或超裝（一般信用證都會有 5-10% 的數(shù)量上落差允許，可以在客戶開證之前再做提醒）關于溢短裝問題，不是“一般信用證都會有 5-10% 的 數(shù)量上落差允許” ， 而是只有合同約定有溢短裝條款的情況下，信用證才會對應的約定有溢短裝條款。 如果合同沒有溢短裝條款， 則信用證不會有溢短裝條款

10、。但是信用證慣例對于散裝貨物，且以噸、升（加侖）等以重量或體積為計量單位的貨物， 不論信用證是否有溢短裝條款， 都允許受益人有5% 的溢短裝這種情況不算是不符點。9.單據(jù)份數(shù)與信用證要求不一致（包括提單，這是可以提前與貨代溝通的）提單的份數(shù)是固定的，比如海運提單一般是三份正本，不會多也不會少，這個無需與貨代或船公司溝通或協(xié)商。而信用證也不會要求受益人提交 3 份以上 的正本提單。至于其它單據(jù)，比如產地證、保單等也有其固定的正本份數(shù)，如果信用證要求多于這些單據(jù)固有的正本份數(shù)， 顯然屬于信用證的這個要求不妥，需要通過修改信用證來解決這個問題（其實信用證是不會出現(xiàn)這種不專業(yè)的過分要求的）所以， “單據(jù)份數(shù)與信用證要求不一致（包括提單，這是可以提前與貨代溝通的） ”這個說法不妥?！俺擞煞鞘芤嫒顺鼍叩膯螕?jù)外（提單、船證、產地證、驗貨證明等） ，由受益人出具的證明和文件都是可控的”提單、船證、產地證、驗貨證明等雖不是由受益人出具，但是也并非不可控信用證如果有關提單的內容不符合常規(guī)，那么，這個可以通過修改信用證的這個條款使之符合常規(guī)而達到可控；如果關于船證的要求不符合常規(guī)，同樣可以通過修改信用證使之符合常規(guī)而達到可控；產地證沒有什么不可控，除非原產地不是本國；至于驗貨證明，如果是ci