Unit6 International Settlement

1、 Warm-up1. Match the technical terms in Column A with their Chinese equivalents in Column B. Column A1. documentary collection2. advising bank3. D/A or D/P4. issuing bank5. irrevocable confirmed documentary credit6. remittance7. documentary letter of credit8. notice of dishonor9. negotiating bank10.

2、remitting hank11.negotiation documentary credit12.collecting bank13.transferable documentary credit14.back-to-back documentary credit15.collection order16.T/T and D/D1.17.paying bank Column AA.背對背踉單信用證背對背踉單信用證B.代收行代收行;收款行收款行C.承兌交單或付款交單承兌交單或付款交單D.可轉(zhuǎn)讓跟單信用證可轉(zhuǎn)讓跟單信用證E.通知行通知行F.匯款，匯付匯款，匯付G.拒付通知拒付通知H.議付跟單信用

3、證議付跟單信用證I.托收委托書托收委托書J.跟單信用證跟單信用證K.開證行開證行L.跟單托收跟單托收M.不可撤銷保兌跟單信用證不可撤銷保兌跟單信用證N.議付行議付行O.托收行，委托行，匯款行，匯出行托收行，委托行，匯款行，匯出行P.匯入行匯入行Q.電匯和票匯電匯和票匯Answer: L E C K M F J G N O H B D A I Q P 2. Classify the above technical terms in Column A into the following three categories.Scripts & AnswersDialog 1 W: Morni

4、ng, sir. What can I do for you? M: Would you tell me about the documents needed for the documentary collection business? W: All right. The documents needed for collection are the bill of lading,certificate of inspection, certificate of insurance, and a sight draft for D/P,and a usance draft for D/A.

5、 M: What should be stated in a bill of lading? CW:Many items, of course. For example,unit price and amount of goods, ports of loading and destination, price and payment terms, latest shipper and date and validity of the L/C, the name and address of the shipper and carrier.And in the space of consign

6、ee,you should write the words “To Order”instead of the importers name.Question: Which of the following is NOT mentioned as the documents needed for the collection business?譯文：譯文：女：早上好，先生。需要我們?yōu)槟鲂┦裁磫?？女：早上好，先生。需要我們?yōu)槟鲂┦裁磫幔?男：你可以給我講講托收需要哪些單據(jù)嗎？男：你可以給我講講托收需要哪些單據(jù)嗎？ 女：好。托收需要的單據(jù)有提單、檢驗(yàn)證明、保險(xiǎn)證明，女：好。托收需要的單據(jù)有提單、

7、檢驗(yàn)證明、保險(xiǎn)證明， 如果是付款交單要有即期匯票，如果是承兌交單要有遠(yuǎn)期如果是付款交單要有即期匯票，如果是承兌交單要有遠(yuǎn)期匯票。匯票。男：提單上應(yīng)該寫些什么呢？男：提單上應(yīng)該寫些什么呢？女：當(dāng)然有許多項(xiàng)目。例如，貨物的單價(jià)和數(shù)量、裝運(yùn)碼女：當(dāng)然有許多項(xiàng)目。例如，貨物的單價(jià)和數(shù)量、裝運(yùn)碼 頭和目的地、價(jià)格和付款條件、最遲裝運(yùn)日期和信用證的頭和目的地、價(jià)格和付款條件、最遲裝運(yùn)日期和信用證的有效期、托運(yùn)人和承運(yùn)人的姓名和地址等。而且在收貨人有效期、托運(yùn)人和承運(yùn)人的姓名和地址等。而且在收貨人一欄，你應(yīng)該填寫一欄，你應(yīng)該填寫“憑指示交貨憑指示交貨”的字樣，而不是進(jìn)口商的的字樣，而不是進(jìn)口商的 姓名。姓名

8、。 For Reference D/A(documents against acceptance)承兌交單，承兌交單，跟單托說的條款之一。指售票人承兌遠(yuǎn)期匯票后，跟單托說的條款之一。指售票人承兌遠(yuǎn)期匯票后，代收銀行放行運(yùn)輸單據(jù)給送票人。這里的運(yùn)輸單代收銀行放行運(yùn)輸單據(jù)給送票人。這里的運(yùn)輸單據(jù)通常指物權(quán)證書據(jù)通常指物權(quán)證書提單。提單。 D/P（documents against payment)付款交單，付款交單，跟單托收的條款之一。指受票人支付即期跟單托收的條款之一。指受票人支付即期 匯票后，代收銀行放行運(yùn)輸單據(jù)給受票人。這里匯票后，代收銀行放行運(yùn)輸單據(jù)給受票人。這里的運(yùn)輸單據(jù)通常指物權(quán)證書的

9、運(yùn)輸單據(jù)通常指物權(quán)證書提單。提單。Dialog 2 M:Hello,madam!Ive checked the letter of credit you advised yesterday.Well，Ive found that some terms and conditions do not match the clauses of the sales contract.I want to order the issuing bank to make some amendment.Could you help me,please?W:No problem,sir.But I dont thi

10、nk you have the right to give any odder to the issuing bank.Youd better inform the applicant of the matter and negotiate with him,requiring him to give the instructions to his bank to amend the credit.M:All right.Thank you.Ill call him right away. Question: What are they talking about?譯文：譯文：男：您好，女士。

11、我已經(jīng)檢查了你們昨天通知我的信用證。男：您好，女士。我已經(jīng)檢查了你們昨天通知我的信用證。 嗯，我覺得有些條款與銷售合約的條款不相符。我打算指嗯，我覺得有些條款與銷售合約的條款不相符。我打算指示開證行進(jìn)行修改。您能幫助我嗎？示開證行進(jìn)行修改。您能幫助我嗎？ 女：沒問題，先生。但我認(rèn)為您沒有權(quán)利對開證行作任何指女：沒問題，先生。但我認(rèn)為您沒有權(quán)利對開證行作任何指示。您最好把有關(guān)問題通知開證申請人，與他協(xié)商，要求示。您最好把有關(guān)問題通知開證申請人，與他協(xié)商，要求他指示他的銀行修改信用證。他指示他的銀行修改信用證。 男：好。謝謝。我馬上給他電話。男：好。謝謝。我馬上給他電話。ADialog 3 W:H

12、ello,Smith Law Office. M:Hello Madam!I want to have some advice from you.Ive have got the notice of dishonor from my remitting bank.What should I do if I want to sue the drawee for the dishonor? W: Well, you can require the presenting bank to protest the bill. A notary public there will help you and

13、 issue a Deed of Protest. It will state the reason of dishonor and provide legal evidence of dishonor acceptable to a court of law. Question: What can we learn from the dialog?譯文譯文 女：您好，史密斯律師事務(wù)所。女：您好，史密斯律師事務(wù)所。男：您好，女士。我希望得到您的建議。我收到托收行給男：您好，女士。我希望得到您的建議。我收到托收行給我轉(zhuǎn)來的拒付通知書。假如我要起訴受票人拒付，應(yīng)該怎我轉(zhuǎn)來的拒付通知書。假如我要起訴

14、受票人拒付，應(yīng)該怎么辦？么辦？ 女：是這樣，您可以要求提示行把票據(jù)做成拒付證書。那女：是這樣，您可以要求提示行把票據(jù)做成拒付證書。那里的公證人會(huì)幫助您開立一份拒付證書。拒付證書會(huì)注明里的公證人會(huì)幫助您開立一份拒付證書。拒付證書會(huì)注明拒付的原因，提供符臺(tái)法律要求的且法庭可以接受的拒付拒付的原因，提供符臺(tái)法律要求的且法庭可以接受的拒付證明。證明。Dialog 4. M: Excuse me,madam. Would you please tell me how to send an L/C to my supplier in a foreign country after I apply for

15、it? W:In banking practice,.the issuing bank will send the L/C to its correspondent bank ln the country of you supplier .The correspondent bank will be required to advise the L/C to the named beneficiary. You know,the bank is called the advising bank.M:I see that the L/C is not sent through the post

16、office. Question: Who will be responsible for the advice of the L/C to the beneficiary?譯文譯文 男：您好，女士。麻煩您告訴我怎么把我申男：您好，女士。麻煩您告訴我怎么把我申 請的信用證寄送給外國的供貨商，好嗎請的信用證寄送給外國的供貨商，好嗎? 女女: 按銀行慣例，開證行會(huì)把信用證寄送給供按銀行慣例，開證行會(huì)把信用證寄送給供 貨商所在國的代理行。開證行會(huì)要求代理貨商所在國的代理行。開證行會(huì)要求代理 行把信用證通知給受益人。您知道，代理行把信用證通知給受益人。您知道，代理 行又叫通知行。行又叫通知行。 男：我

17、懂了，信用證不是經(jīng)過郵局送遞的。男：我懂了，信用證不是經(jīng)過郵局送遞的。Short Answer Questions Listen carefully and answer the question after each dialog.Scripts & AnswersDialog l W: Excuse me,sir. Please insert the complete address and full name of the drawee in the space here.M: OK. Thank you .Is it all right?W: Exactly correct,

18、sir. Would you please state here the way of sending the notice of dishonor in the event of non-payment or non-acceptance? Which would you prefer, by cable or by mail? M: Either by email or by fax,I think .Who on earth sends messages by mail now? Here is my email address and fax number.,Question: Wha

19、t do you think the bank will send to the man by email or by fax according to the dialog?The notice of dishonor.譯文譯文女：不好意思，先生。請?jiān)谶@里填寫受票人的地址和姓女：不好意思，先生。請?jiān)谶@里填寫受票人的地址和姓名的全稱。名的全稱。男：好。謝謝您。這樣對嗎男：好。謝謝您。這樣對嗎?女：完全正確，先生。請您在這里注明，如果發(fā)生拒付女：完全正確，先生。請您在這里注明，如果發(fā)生拒付或者拒絕承兌，如何寄送拒付通知。您愿意用哪種方法，或者拒絕承兌，如何寄送拒付通知。您愿意用哪種方法，電報(bào)還是

20、信件電報(bào)還是信件?男：我想用郵件或傳真。現(xiàn)在還有誰用信件傳送消息男：我想用郵件或傳真?，F(xiàn)在還有誰用信件傳送消息?這是我的電子郵件地址和傳真號。這是我的電子郵件地址和傳真號。 Dialog 2 W: Mr Green,the beneficiary of the No. 675342 L/C has presented the documents to our bank for negotiation. What shall we do next? M: We will check the documents against the terms and conditions of the L/C

21、 if they are OK. we will negotiate the documents at current discount rate W: I see .Thank you Question:What kind of role does the bank play in the L/C business according to the dialog?The bank plays the role of a negotiating The bank plays the role of a negotiating bank in the L/C business.bank in t

22、he L/C business.譯文譯文 女：格林先生，女：格林先生，675342號信用證的受益人已經(jīng)向我號信用證的受益人已經(jīng)向我行提示單據(jù)要求議付。接下來我們應(yīng)該怎么做行提示單據(jù)要求議付。接下來我們應(yīng)該怎么做？ 男：我們要根據(jù)信用證的條款來核對那些單據(jù)。如果男：我們要根據(jù)信用證的條款來核對那些單據(jù)。如果沒問題，我們就按現(xiàn)行貼現(xiàn)率議付單據(jù)，然后把單據(jù)寄送沒問題，我們就按現(xiàn)行貼現(xiàn)率議付單據(jù)，然后把單據(jù)寄送給開證行要求償付。給開證行要求償付。 女：我明白了。謝謝您。女：我明白了。謝謝您。Dialog3 M: Hi, Jane. Im told that the importer wants to

23、open a revocable documentary credit in favor of our company. Is that true? W: Exactly true. But I declined the request .You know that a revocable credit may increase credit risk on our part .Wed better require him to open an irrevocable documentary credit. M: I cant agree with you more. What about c

24、onfirmation? Shall we require our bank to add its confirmation to the credit? W: You are talking my language. Question: What kind of letter of credit will be issued according to the woman?An irrevocable conformed documentary credit will be issued.譯文譯文 男：嗨，簡。我聽說進(jìn)口商要求開立以我們公司為受男：嗨，簡。我聽說進(jìn)口商要求開立以我們公司為受益人

25、的可撤銷信用證。是真的嗎？益人的可撤銷信用證。是真的嗎？ 女：千真萬確。但我拒絕了。您知道可撤銷信用證會(huì)女：千真萬確。但我拒絕了。您知道可撤銷信用證會(huì)增加我方的信用風(fēng)險(xiǎn)。我們最好要求他開立不可撤銷信用增加我方的信用風(fēng)險(xiǎn)。我們最好要求他開立不可撤銷信用證。證。 男：我完全同意。保兌呢？我們可以要求我們的銀行男：我完全同意。保兌呢？我們可以要求我們的銀行對信用證加以保兌嗎？對信用證加以保兌嗎？ 女：您說的就是我想的。女：您說的就是我想的。For Referenceopen an L/C in favor of someone開立以某人為受益人的信用證add confirmation to an L

26、/C對信用證加以保兌，保兌后的跟單信用證成為保兌信用證(confirmed documentary L/C)，保兌信用證的銀行被稱為保兌行( confirming bank)。 Listening& SimulatingListen to the dialogs and fill in the blanks with what youve heard, and then simulate the dialogs in pairs.Scripts& Answers Dialog 1 W:Excuse me,sir. Have you finished the collection

27、 order? All right,let me have a check. Oh,sir,you forgot to state the instruction of D/A or D/P here. M:Is it critical to the collection? W: Absolutely important. Without D/P or D/A instruction,the collecting bank will only release documents against payment according to URC522.譯文譯文 女：先生，打擾了，您的托收申請表填

28、好了嗎女：先生，打擾了，您的托收申請表填好了嗎?好，我檢好，我檢查一下。哦，先生，您忘記在這里寫明查一下。哦，先生，您忘記在這里寫明“承兌交單承兌交單”還是還是“付款交單付款交單”了。了。 男：這對托收重要嗎男：這對托收重要嗎? 女：絕對重要。沒有填寫女：絕對重要。沒有填寫“承兌交單承兌交單”還是還是“付款交單付款交單”，根，根據(jù)第據(jù)第522號托收統(tǒng)一規(guī)則，代收行只能按付款交單放號托收統(tǒng)一規(guī)則，代收行只能按付款交單放行單據(jù)。行單據(jù)。 For Reference URC522第522號托收統(tǒng)一規(guī)則，全稱為Uniform Rules for Collections N0 522,是國際商會(huì)第522

29、號出版物，于1995年修訂，1996年1月1日起施行。除非另有明確的約定，或與某一國家、某政府，或與當(dāng)?shù)胤珊蜕性谏У臈l例有所抵觸，托收規(guī)則對銀行托收業(yè)務(wù)相關(guān)的所有人均具有約束力，是銀行辦理托收業(yè)務(wù)的法律依據(jù)。 Dialog 2 . M: Would you mind telling me the advantage of deferred payment credit? W: OK, sir. If you are going to issue a deferred payment credit, you need not pay stamp duty on the bill of exc

30、hange under the credit because no draft is required. M: Oh, I see. But there will be risk on the part of the beneficiary since he will not get his payment at maturity. . W: Dont worry about the payment. The credit is a definite undertaking of payment given by the issuing bank.譯文譯文 男：請給我講講延期付款信用證的好處，

31、好嗎男：請給我講講延期付款信用證的好處，好嗎? 女：好的，先生。如果您打算開立延期付款信用證，您就女：好的，先生。如果您打算開立延期付款信用證，您就不必為信用證項(xiàng)下的匯票支付印花稅，因?yàn)楦静恍枰獏R不必為信用證項(xiàng)下的匯票支付印花稅，因?yàn)楦静恍枰獏R票。票。 男：哦，我明白男：哦，我明白了了。但對于受益人來說可能有風(fēng)險(xiǎn)，因?yàn)椤５珜τ谑芤嫒藖碚f可能有風(fēng)險(xiǎn)，因?yàn)榈狡谒赡苣貌坏礁犊睢５狡谒赡苣貌坏礁犊睢?女：女：不不用擔(dān)心付款。信用證就是開證行給您的一個(gè)確定的用擔(dān)心付款。信用證就是開證行給您的一個(gè)確定的付款承諾。付款承諾。 For Reference deferred payment credit

32、延期付款信用證，是遠(yuǎn)期信用證的一種。該信用證明確規(guī)定了開證行付款的時(shí)間，受益人不必開立匯票并要求承兌。 Dialog 3 W: Sorry, professor. A question puzzles me so much. Is there any distinction between a standby L/C and a commercial L/C? M: Yes, of course.There is simple method to tell the difference. Just remember that in the event of dishonor or defaul

33、t in payment or default in the performance of contract，a standby L/C will be set off, otherwise a commercial L/C will be used and it is method of payment in the ordinary trade. W:I understand that the standby L/C is used as 8 guarantee in the transactions and the guarantor is the issuing bank. 譯文譯文

34、女：不好意思，教授。我有個(gè)問題弄不清，備用信用證與女：不好意思，教授。我有個(gè)問題弄不清，備用信用證與商業(yè)信用證有區(qū)別嗎商業(yè)信用證有區(qū)別嗎? 男：當(dāng)然有啊。有個(gè)簡單方法來區(qū)分。只要記住，在發(fā)生男：當(dāng)然有啊。有個(gè)簡單方法來區(qū)分。只要記住，在發(fā)生拒付或者不能履行臺(tái)約的時(shí)候，備用信用證才被啟用，否拒付或者不能履行臺(tái)約的時(shí)候，備用信用證才被啟用，否則，在正常的貿(mào)易中，一般使用商業(yè)信用證作為付款手段則，在正常的貿(mào)易中，一般使用商業(yè)信用證作為付款手段。 女：我明白，在交易中，備用信用證被用作為擔(dān)保，而擔(dān)女：我明白，在交易中，備用信用證被用作為擔(dān)保，而擔(dān)保人就是開證行。保人就是開證行。 Long Conver

35、sationsConversation l Types of Letters of CreditTask l Previewing 1.How many parties are involved in the documentary L/C business? 2 Which do you think most probably acts as a confirming bank,issuing bank or advising bank? 3 By whom and to whom will the advice of the letter of credit be sent? 4 . Tr

36、y to give the counterpart of each of the letters of credit given in the table.Answers 1.Four basic parties: an applicant, a beneficiary, an issuing bank, an advising bank. 2.The advising bank .The issuing bank may probably request the advising bank to add its confirmation to the credit if the applic

37、ant gives such instructions. 3.The advice of the letter of credit will be sent by the advising bank to the beneficiary.Task 2 Multiple ChoiceListen to the conversation carefully and choose the best answer to each of thefollowing questions.Scripts Answers W: Morning,professor! M: Morning,Zhang! What

38、are you reading? W: Oh, Im reading my textbook of International Settlement, professor .Ive a test tomorrow. I have to review the subject .I want to get a top grade this time. M: Very good .Now Ill give you an oral test to see how much you have learnt about the course. W: Id love to,professor. Please

39、, Im ready. M: Well,would you tel me the types of letters of credit? W: Oh! It is a big question, but Im sure I can give the answer.There are many types of letters of credit. For example, we may divide letters of credit into documentary credits and clean credits according to whether or not it is acc

40、ompanied by shipping documents.And the former one is frequently used in international trade. M： Very good. Go ahead.W: OK. All the letters of credit must state whether they are revocable or irrevocable,and irrevocable credits are usually acceptable in foreign trade,because the irrevocable credits ca

41、nnot be modified or cancelled without agreement of all the parties concerned.M: Too right ,you are! How about the transferable documentary credits? W: The transferable documentary credit is one that specifically authorizes the beneficiary to transfer part or whole of the benefits of the letter of cr

42、edit to someone else. Thus an exporter abroad can arrange the shipment of goods after the importer opens a transferable credit in favor of the exporter,and then he may transfer the benefits of the credit to the actual supplier or suppliers of the goods through a transferring bank. M: Are there any o

43、ther types of letters of credit?W: Yes,of course. Letters of credit may be classified into confirmed credits and unconfirmed credits according to whether or not a third bank adds its confirmation to the letter of credit .The third bank will only confirm payment for the irrevocable credit at the requ

44、est of the issuing bank .According to UCP600, the issuing bank undertakes the primary payment, and the confirming bank undertakes the secondary payment .It is generally stated in the advice of the letter of credit by the confirming bank as“The credit is confirmed by us” or“We hereby add our confirma

45、tion to this credit”. Sometimes the confirming bank may undertake the primary payment,and the words will appear like this “This credit bears our conformation and we undertake that documents presented for payment in conformity with the terms of this credit will be duly paid on presentation.”Without s

46、uch words in the advice of the letter of credit. it is an unconfirmed credit. M: Well done .Go on, please.W: In addition, depending on the time of payment, letters of credit can also be divided into sight credits and usance credits. The bill of exchange drawn under a usance credit is usually a usanc

47、e draft and it must be accepted by the issuing bank or a nominated bank. So the usance credit is also named as an acceptance credit. There are also payment credits or negotiation credits just according to who will make payment on the presentation of the credit, if it is stated to be payable directly

48、 by the issuing bank or some nominated bank, it is a payment credit. If it is stated to be negotiated by the advising bank or any other bank, it is a negotiation credit.M: Excellent. Youve really done well. Tm sure youve made it. I would give you an “A”if you were my student.W: Thank you very much,

49、professor. You know,my dream is to become a banker.M: Come on!Your dream will come true, Im positive.DABCCQuestions 1 to 5 are based on the conversation youve just heard. 1. Which of the following is NOT mentioned as types of letters of credit? 2. What is the exact name of the L/C if it is confirmed

50、 at the request of the issuing bank? 3. Which of the following is most acceptable to the exporter in the foreign trade? 4. What is the name of the L/C when it is stated to be negotiated by the advising bank or any other bank? 5.What will be written on the L/C advice if it is not confirmed by another

51、 bank?Task 3 True or FalseListen to the conversation again and decide whether the following statements are true or false. 1. The letter of credit is called a documentary credit if it requires presentation of shipping documents for payment. 2. Letters of credit can he divided into sight credits and u

52、sance credits according to whether or not a third bank adds its confirmation to the letters of the credit.(. . . according to the time of payment) 3. An irrevocable credit can be amended or cancelled by the buyer at any time before the payment is made.(. cannot be amended or cancelled by the buyer w

53、ithout consent of all the parties concerned)TFFTT 4 With a transferable letter of credit,the beneficiary can transfer part or whole of the benefits of the letter of credit to someone else through the transferring bank. 5. The advising bank will act as a negotiating bank in the letter of credit busin

54、ess if it negotiates the documents under the credit at the request of the issuing bank.譯文：譯文：女：早上好，教授。女：早上好，教授。男：早上好，張同學(xué)。你在看什么書。男：早上好，張同學(xué)。你在看什么書。女：哦，我的國際結(jié)算課本，教授。明天有考試。我必女：哦，我的國際結(jié)算課本，教授。明天有考試。我必須復(fù)習(xí)這門課。我希望這次可以拿個(gè)最好成績。須復(fù)習(xí)這門課。我希望這次可以拿個(gè)最好成績。男：很好?，F(xiàn)在我就給你口試男：很好。現(xiàn)在我就給你口試下，看你學(xué)得怎么樣？下，看你學(xué)得怎么樣？女：太好了，教授。開始吧。我準(zhǔn)備好了。

55、女：太好了，教授。開始吧。我準(zhǔn)備好了。男：行。你能說說信用證的種類嗎？男：行。你能說說信用證的種類嗎？女：哦，這可是個(gè)大問題。但我肯定能答得出來。信用證有女：哦，這可是個(gè)大問題。但我肯定能答得出來。信用證有很多種類。例如，我們可以根據(jù)是否隨附有運(yùn)輸單據(jù)，將很多種類。例如，我們可以根據(jù)是否隨附有運(yùn)輸單據(jù)，將信用證分為跟單信用證和光票信用證信用證分為跟單信用證和光票信用證。前者常常使用于國前者常常使用于國際貿(mào)易中。際貿(mào)易中。男：好，不錯(cuò)。繼續(xù)。男：好，不錯(cuò)。繼續(xù)。女：好。所有的信用證必須注明是可撤銷還是不可撤銷。對女：好。所有的信用證必須注明是可撤銷還是不可撤銷。對外貿(mào)易中通常接受不外貿(mào)易中通常接

56、受不可撤銷信用證，因?yàn)闆]有相關(guān)各方的同意，不可撤銷信可撤銷信用證，因?yàn)闆]有相關(guān)各方的同意，不可撤銷信用證不能被修改或被用證不能被修改或被 撤銷。撤銷。男：你說得太對了。說說可轉(zhuǎn)讓信用證吧？男：你說得太對了。說說可轉(zhuǎn)讓信用證吧？女：可轉(zhuǎn)讓信用證特別授權(quán)受益人將信用證的部分或全部權(quán)女：可轉(zhuǎn)讓信用證特別授權(quán)受益人將信用證的部分或全部權(quán)益轉(zhuǎn)讓給其他人。這樣，進(jìn)口商開立了以外國出口商為受益轉(zhuǎn)讓給其他人。這樣，進(jìn)口商開立了以外國出口商為受益人的可轉(zhuǎn)讓信用證以后，他可以安排貨物的裝運(yùn)然后益人的可轉(zhuǎn)讓信用證以后，他可以安排貨物的裝運(yùn)然后通過轉(zhuǎn)讓行把信用證的部分或全部權(quán)益轉(zhuǎn)讓給實(shí)際供貨商通過轉(zhuǎn)讓行把信用證的部分

57、或全部權(quán)益轉(zhuǎn)讓給實(shí)際供貨商（們）。（們）。男：還有其他種類的信用證嗎？男：還有其他種類的信用證嗎？女女 ：當(dāng)然有。根據(jù)是否有第三家銀行對信用證加以保兌，信當(dāng)然有。根據(jù)是否有第三家銀行對信用證加以保兌，信用證分保兌信用和無保兌信用證。第三家銀行一般應(yīng)開證用證分保兌信用和無保兌信用證。第三家銀行一般應(yīng)開證行的要求只對不可撤銷信用證加以保兌。根據(jù)第行的要求只對不可撤銷信用證加以保兌。根據(jù)第600號號跟單信用證統(tǒng)一慣例，開證行承擔(dān)付款第一責(zé)任，保兌跟單信用證統(tǒng)一慣例，開證行承擔(dān)付款第一責(zé)任，保兌行承擔(dān)第二責(zé)任。保兌行通常在信用證的通知書中寫明行承擔(dān)第二責(zé)任。保兌行通常在信用證的通知書中寫明“本信用證由

58、我行保兌本信用證由我行保兌”或者或者“我行對此信用證加以保兌我行對此信用證加以保兌”等等字樣。有時(shí)，保兌行可能對信用證的付款承擔(dān)主要責(zé)任，字樣。有時(shí)，保兌行可能對信用證的付款承擔(dān)主要責(zé)任，保兌行會(huì)使用這種字樣：保兌行會(huì)使用這種字樣：“我行承擔(dān)本信用證的保兌責(zé)任，我行承擔(dān)本信用證的保兌責(zé)任，只要提示的單據(jù)與信用證條款相符，我行保證及時(shí)支付。只要提示的單據(jù)與信用證條款相符，我行保證及時(shí)支付?！比绻庞米C通知書如果信用證通知書上上沒有這樣的字樣，那就是無保兌信用沒有這樣的字樣，那就是無保兌信用證。證。男：太棒了。請繼續(xù)。男：太棒了。請繼續(xù)。女：此外，信用證按照付款時(shí)間可以分為即期信用證和遠(yuǎn)期女：此外

59、，信用證按照付款時(shí)間可以分為即期信用證和遠(yuǎn)期信用證，遠(yuǎn)期信用證項(xiàng)下的匯票一般是遠(yuǎn)期匯票，必須由信用證，遠(yuǎn)期信用證項(xiàng)下的匯票一般是遠(yuǎn)期匯票，必須由開證行或者其他指定的銀行承兌該匯票。所以遠(yuǎn)期信用證開證行或者其他指定的銀行承兌該匯票。所以遠(yuǎn)期信用證也被冠名為承兌信用證。信用證還根據(jù)對誰提示單據(jù)并獲也被冠名為承兌信用證。信用證還根據(jù)對誰提示單據(jù)并獲得付款而分為直接付款信用證和議付信用證。如果信用證得付款而分為直接付款信用證和議付信用證。如果信用證注明由開證行付款或某指定銀行付款，這就是直接付款信注明由開證行付款或某指定銀行付款，這就是直接付款信用證。如果信用證注明由通知符或者任何銀行議付，這就用證。

60、如果信用證注明由通知符或者任何銀行議付，這就是議付信用證。是議付信用證。男：太好了。你答得的確不錯(cuò)。我確信你學(xué)會(huì)了。如果你是男：太好了。你答得的確不錯(cuò)。我確信你學(xué)會(huì)了。如果你是我的學(xué)生，我會(huì)給你一個(gè)我的學(xué)生，我會(huì)給你一個(gè)“A”。女：非常感謝，教授。您知道，我的夢想就是成為一名銀行女：非常感謝，教授。您知道，我的夢想就是成為一名銀行家。家。男：加油。我肯定你的夢想會(huì)成真的。男：加油。我肯定你的夢想會(huì)成真的。For Reference usance credit遠(yuǎn)期信用證遠(yuǎn)期信用證，usance credit與與acceptance credit（承兌信用證）（承兌信用證）一樣，要求開證行或一樣，要求開證行或信用證指定的銀行承