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1、 即期付款信用证一、即期付款信用证Letter of credit at sight定义：即期信用证(Sight Credit）是指受益人根据信用证的规定,可凭即期跟单汇票或仅凭单据收取货款的信用证.其特点是受益人收汇安全迅速。L/c at sight is refers to the beneficiary according to the provisions of the l/c， but by our documentary draft at sight or against documents only according to the payment of the l/c.Char
2、acterized by the beneficiary in the security quickly此信用证一般不需要汇票,也不需要领款收据,付款行或开证行只凭货运单据付款。证中一般列有“当受益人提交规定单据时,即行付款”的保证文句。L/c at sight is generally do not need draft， also do not need to draw money receipt, payment or payment by the issuing bank only against shipping documents。 In the column when the b
3、eneficiary to submit documents required， namely payment the guarantee of the clause.即期付款信用证的付款行通常由指定通知行兼任.其到期日，一般也是以受益人向付款行交单要求付款的日期。L/c at sight payment line usually by the advising bank as specified。 Its maturity date, generally is by the beneficiary to the paying bank for payment date.二、 即期付款信用证的
4、特点：1、 交单方便，如单据出现差错，受益人可就近与付款行洽商解决the presentation is convenient，if the document appear mistake， the beneficiary can with payment to the nearest business solution.2、 因受益人交单可节省寄单邮程，故可较快收款，也是受益人免除了单据在寄送途中遗失的风险。because of the beneficiary presentation can save sent a transit, it can rapidly gathering， is
5、 also the beneficiary documents in shipping on the way from the risk of loss。3、 付款行付款后，不得对受益人追索,因此受益人可大胆使用资金，无后顾之忧.After the paying bank for payment, and may not be recourse to the beneficiary, therefore the beneficiary can bold use money， no worries.4. 即期信用证付款时间为:银行收到单据后5个工作日内.L/c at sight payment
6、time is: bank within five working days after receipt of the documents。三、 基本分类：即期信用证又可分为单到付款信用证和电汇索偿条款信用证（L/C with T/T Reimbursement Clause）两种.L/c at sight and can be divided into claim terms to payment by l/c and t/t l/c3.1 单到付款信用证To payment by l/c单到付款信用证是指开证行或其指定付款行一旦收到符合信用证规定的汇票和单据，便立即付款，开证人也应于单到立
7、即向开证行付款赎单.It refers to the issuing bank or paying bank in the documents presentatied by negotiating bank, issuing bank or paying bank for immediate payment of the L/C, once the relevant documents have been checked and found to be in order.3.2 电汇索偿条款信用证L/C with T/T Reimbursement Clause电汇索偿条款信用证是指授权议付
8、行通过电报、电传或SWIFT方式，向开证行/保兑行/偿付行进行偿付。核实单据之后，议付行通知开证行其已确认收到相符单据,并要求偿付。收到议付行的偿付要求后,开证行/保兑行/偿付行对议付行进行偿付（即使还没有收到正本单据)。This clause means the negotiating bank is authorized to request by cable， telex or SWIFT to the issuing bank/confirming/reimbursing bank to make reimbursement。 After verifying the documents
9、, the negotiating bank will notify the issuing bank of its comfirmation of receipt of compliant documents and claim reimbursement。 On receipt of claim from the negotiating bank， the issuing bank/comfirming/reimbursing bank will reimburse to the negotiating bank(even before receipt of original docume
10、nts). 3.3 单到电汇信用证这种信用证也属于单到付款信用证的一种，但在那即期信用证中加列了电汇条款，即付款行在见到单据并审查单证相符后才能电汇付款。Single T/T by L/C is one of the single payment by l/c and adds t/t clause in sight letter of credit。It simply means the paying bank will release payment by t/t only after they receive the documents and verify the same.四、 即期付款信用证流程
