跟单信用证统一惯例U课件

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1、跟单信用证统一惯例跟单信用证统一惯例（UCP600）2006年11月 杭州7/20/20241跟单信用证统一惯例U课件主要内容主要内容nUCP600产生的背景及过程nUCP600与UCP500的比较分析nUCP600实施后对于不同当事人的影响nUCP600实施后出口商制单须注意的问题nUCP600实施后开证行拒付及拒付后单据的处理7/20/20242跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程n信用证统一惯例修订进程的“十年之痒十年之痒” n1933年国际商会第82号出版物n1952年国际商会第151号出版物n1962年国际商会第222号出版物n1973年国

2、际商会第290号出版物n1983年国际商会第400号出版物n1993年国际商会第500号出版物（仍在实施中）n2006年国际商会第600号出版物（计划于2007年7月实施）7/20/20243跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程nUCP600UCP600修订的背景修订的背景n自UCP500生效以来，银行实务中围绕500产生的争议层出不穷*。为此，ICC于2002年初成立UCP修订工作小组，提出修订UCP500的动议。n国际商会有关UCP500的系列出版物nPositionPaperNo.1,2,3,4（修改/议付/非单据化条件/运输单据）nPubli

3、cationNo.515/535/565/596nURR525/ISP98/ISBP/Eucp*国际商会银行技术委员会遗憾而且关切地注意到，在UCP500实施以后，一些银行错误地解释和应用UCP500的一些条文。由于未能正确地运用这些条文，其结果严重防碍了按照UCP500开立的跟单信用证的使用。（Charles del BushChairman, ICC Commission on Banking Technique and Practice. Adopted from Foreword of Position Paper 1,2,3,4） 7/20/20244跟单信用证统一惯例U课件UCP6

4、00UCP600产生的背景及过程产生的背景及过程n在2002年4月的ICC银行委员会会议上，各国代表对何时、如何修订UCP500未达成一致意见（我国赞成立即开始修订），但一致同意先对产生最多争议的七个条款进行评议。因为ICC提出的专家意见中超过58集中在UCP500这七个条款上。7/20/20245跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程n在2002年10月ICC银行委员会会议上，银行委员会技术顾问GARY GARY COLLYERCOLLYER提供了一份评议七条条款的报告：n第九条 开证行与保兑行的责任（共二十六次）n第十三条 审核单据的标准（共四十三

5、次）n第十四条 不符点单据与通知（共六十次）n第二十一条 对单据出单人或单据内容未作规定（共二十九次）n第二十三条 海运提单（共四十七次）n第三十七条 商业发票（共二十六次）n第四十八条 可转让信用证（共三十一次） 7/20/20246跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程n多份研究报告显示，高比例、高频率发生的信用证拒付现象日益危机信用证在国际结算中的地位。nINTHEEVENTTHATTHEDOCUMENTSPRESENTEDWITHDISCREPANCY,ADISCREPANTFEEOFUSD60.00OREQUIVALENTWILLBENDED

6、UCTEDFROMTHEPROCEEDS.7/20/20247跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程nFrom Introduction of UCP500：单据不符是信用证支付方式下一种极为普遍的现象，从1993年修订的跟单信用证统一惯例的前言可以看出：“一些调查表明，大约一些调查表明，大约5 5跟单信用证下的单据因与信用证不符或表面不符而被跟单信用证下的单据因与信用证不符或表面不符而被拒收，这降低了跟单信用证的效力，对参与有关产品交拒收，这降低了跟单信用证的效力，对参与有关产品交易的各方产生财务影响，增加了成本，减少了进口商、易的各方产生财务影响，

7、增加了成本，减少了进口商、出口商和银行的利润。有关跟单信用证的诉讼案激增也出口商和银行的利润。有关跟单信用证的诉讼案激增也引起了人们极大的关注。引起了人们极大的关注。” ” 7/20/20248跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程nFromIntroductionofUCP600：Whenworkontherevisionstarted,anumberofglobalsurveysindicatedthat,becauseofdiscrepancies,approximately70%ofdocumentspresentedunderletterso

8、fcreditwerebeingrejectedonfirstpresentation.Thisobviouslyhad,andcontinuestohave,anegativeeffectontheletterofcreditbeingseenasameansofpaymentand,ifunchecked,couldhaveseriousimplicationsformaintainingorincreasingitsmarketshareasarecognizedmeansofsettlementininternationaltrade.n结论：信用证正日益成为拒付的工具。结论：信用证正

9、日益成为拒付的工具。7/20/20249跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程nUCP600修订的过程n2003年5月，ICC正式授权ICC银行委员会启动UCP500修订工作n修订工作的三层组织架构：nThe drafting Group （起草小组）nThe Consulting Group （咨询小组）nICC national committees （国家委员会）7/20/202410跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程nThe drafting Group小组成员n共10位成员，其中8位来自欧洲，其余

10、两位分别来自美国和新加坡n小组主席：Gary Collyer-ABN AMRO Bank N.V., London, EnglandnThe Consulting Group小组成员n小组由来自26个国家的40余位专业人士组成n小组成员来自银行、运输及物流、保险等不同行业7/20/202411跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程nUCP600修订的过程nFIRST STEP-REVISION PROCESSFIRST STEP-REVISION PROCESS：n全面回顾UCP500实施以来ICC发布的各类出版物、意见书及决定，吸收其中的合理条款。n

11、关于正本单据n关于开证申请人与受益人详细地址n关于预装船提单装运日期的确认7/20/202412跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程nSECOND STEP-GENERAL OBJECTIVESECOND STEP-GENERAL OBJECTIVE：n全面反映近年来国际银行业、运输业和保险业出现的变化，并体现一定的前瞻性；n五个银行工作日n删除了运输行单据条款n明确了保险单据可以由代理人（proxies）出具7/20/202413跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程n全面检讨UCP500中的条款结构和文字

12、措辞。n从A组到G组分类的模块式组合到流水式条款n通俗易懂、简约化的措辞 nNominated bank means the bank authorized in the credit to honour or negotiate or, in the case of a freely available credit, any bank. (UCP Draft June)nNominated bank means the bank with which the credit is available or any bank in the case of a credit available

13、with any bank. (UCP Final Version)7/20/202414跟单信用证统一惯例U课件UCP600UCP600产生的背景及过程产生的背景及过程nTHIRD STEP-CO-OPERATIONTHIRD STEP-CO-OPERATION：n建立稳定的三级合作机制nThisrevisionoftheUCPrepresentstheculminationofoverthreeyearsofextensiveanalysis,review,debateandcompromiseamongstthevariousmembersoftheDraftingGroup,theme

14、mbersoftheBankingCommissionandtherespectiveICCnationalcommittees.FromGaryCollyer7/20/202415跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nAdvisingbanknApplicantnBankingdaynBeneficiarynComplyingpresentationnConfirmationnConfirmingbanknCreditnHonournIssuingbanknNegotiationnNominatedbanknPresentation

15、nPresenter第一次系统地对有关信用证的第一次系统地对有关信用证的1414个概念进行了定义个概念进行了定义7/20/202416跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nArticle2DefinitionsnForthepurposeoftheserules:nAdvising bank means the bank that advisesthe credit at the request of the issuingbank.nApplicantmeansthepartyonwhoserequestthecreditisiss

16、ued.7/20/202417跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nBankingdaymeansadayonwhichabankisregularlyopenattheplaceatwhichanactsubjecttotheserulesistobeperformed.nBeneficiarymeansthepartyinwhosefavouracreditisissued.7/20/202418跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nComplyingpresentati

17、onmeansapresentationthat is in accordance with the terms andconditions of the credit, the applicableprovisionsoftheserulesandinternationalstandardbankingpractice.nConfirmation means a definite undertakingoftheconfirmingbank,inadditiontothatoftheissuingbank,tohonourornegotiateacomplyingpresentation.

18、7/20/202419跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nConfirmingbankmeansthebankthataddsitsconfirmationtoacreditupontheissuingbanksauthorizationorrequest.nCreditmeansanyarrangement,howevernamedor described, that is irrevocable andtherebyconstitutesadefiniteundertakingoftheissuingbanktohonourac

19、omplyingpresentation.7/20/202420跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nHonourmeans:na.topayatsightifthecreditisavailablebysightpayment.nb.to incur a deferred payment undertakingand pay at maturity if the credit isavailablebydeferredpayment.nc.to accept a bill of exchange (“draft”)drawnbyth

20、ebeneficiaryandpayatmaturityifthecreditisavailablebyacceptance. 7/20/202421跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nHonourmeans:na.topayatsightifthecreditisavailablebysightpayment.nb.to incur a deferred payment undertakingand pay at maturity if the credit isavailablebydeferredpayment.nc.to a

21、ccept a bill of exchange (“draft”)drawnbythebeneficiaryandpayatmaturityifthecreditisavailablebyacceptance. 7/20/202422跟单信用证统一惯例U课件nArticle 19. Bank-to-Bank Reimbursement Arrangementsna. If an Issuing Bank intends that the reimbursement to which a paying, accepting or negotiating bank is entitled, sh

22、all be obtained by such bank (the Claiming Bank), claiming on another party ( theReimbursing Bank), it shall provide such Reimbursing Bank in good time with the proper instructions or authorization to honour such reimbursement claims. (UCP500)n 第十九条 银行间的偿付约定na开证行如欲通过另一银行（偿付行）对付款行、承兑行或议付行（均称“索偿行”）履行偿

23、付时，开证行应及时向偿付行发出对此类索偿予以偿付的适当指示或授权。7/20/202423跟单信用证统一惯例U课件nhono(u)r hono(u)r n英汉简明辞典 nn.尊敬, 敬意, 荣誉, 光荣nvt.尊敬, 给以荣誉n现代英汉综合大辞典nvt.给.以光荣; 礼遇; 赐给n尊敬; 崇拜n【商】承兑; 兑现n hono(u)r a checkhono(u)r a check 承兑支票7/20/202424跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nHonourmeans:na.topayatsightifthecreditisavail

24、ablebysightpayment.nb.to incur a deferred payment undertakingand pay at maturity if the credit isavailablebydeferredpayment.nc.to accept a bill of exchange (“draft”)drawnbythebeneficiaryandpayatmaturityifthecreditisavailablebyacceptance. 7/20/202425跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nIs

25、suingbankmeansthebankthatissuesacredit at the request of an applicant oronitsownbehalf.nNegotiation means the purchase by thenominatedbankofdrafts(drawnonabankother than the nominated bank) and/ordocuments under a complying presentation,byadvancingoragreeingtoadvancefundsto the beneficiary on or bef

26、ore thebankingdayonwhichreimbursementisduetothenominatedbank.7/20/202426跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n关于议付关于议付nUCP500Article10（信用证的种类）（信用证的种类）nNegotiationmeansthegivingofvalueforDraft(s)and/ordocument(s)bythebankauthorizedtonegotiate.Mereexaminationofthedocumentswithoutgivingofval

27、uedoesnotconstituteanegotiation.7/20/202427跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析 UCP500Article9（开证行与保兑行的责任）（开证行与保兑行的责任）nAnirrevocableCreditconstitutesadefiniteundertakingoftheIssuingBank,providedthatthestipulateddocumentsarepresentedtotheNominatedBankortotheIssuingBankandthatthetermsandco

28、nditionsoftheCreditarecompliedwith:IftheCreditprovidesfornegotiationtopaywithoutrecoursetodrawersand/orbonafideholders,Draft(s)drawnbytheBeneficiaryand/ordocument(s)presentedundertheCredit7/20/202428跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nICCPositionPaperNo2（第二号意见书）（第二号意见书）nThe Banking Comm

29、ission wishes to clarify that for the purposes of UCP 500, the phrase giving of value in sub-Article 10(b)(ii) may be interpreted as either making immediate payment (e.g. by cash, by cheque, by remittance through a Clearing System or by credit to an account) or undertaking an obligation to make paym

30、entundertaking an obligation to make payment (other than giving a deferred payment undertaking or accepting a draft).7/20/202429跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析 ICCPublicationNo.459：关于追索权：关于追索权n议付行在任何情况下均享有追索权，除非该行保兑了信用证议付行在任何情况下均享有追索权，除非该行保兑了信用证（TheCommissionfinallydecidedtomakeadis

31、tinctionbetweencreditsavailablethroughpaymentandcreditavailablethroughnegotiation.Astotheformer(availablethroughpayment),anyrecoursebytheadvisingbankvis-visthebeneficiarywastobeexcludedifithadnotexpressedareservationwhenmakingitspayment.Astothelattercredits(availablethroughnegotiation),theadvisingba

32、nkalwayshadarightofrecourse,unlessithadconfirmedthecredit.）7/20/202430跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析 ICCPublicationNo.596R259：议付的追索权n银行提供议付时所要求的条件，即是否保留追索权，不能由ICC来裁定。那些条件取决于当地法律及议付行与出口商之间的关系。n应由受益人来决定是否接受那些条件并在“保留追索”的条件下取得款项。n在这些情况下，受益人最好使信用证可自由议付，以使他们能够把单据提交给一家一旦接受单据将始终信守决定的被指定银行。

33、7/20/202431跟单信用证统一惯例U课件案例研讨案例研讨n主证开证行：国内A银行n主证受益人：嘉陵公司（香港）n主证交单行、背对背信用证开证行：R银行香港分行n背对背信用证议付行： STANDARD CHARTERED BANK MALAYSIA BERHAD7/20/202432跟单信用证统一惯例U课件背景背景n99年10月26日，A开立信用证号为LCXXXX152/99，金额为USD1,400,000.00，受益人为“嘉陵公司”，信用证的付款期限为见票后85 天，适用任何银行自由议付n10月29日，嘉陵公司凭上述信用证向R申请开立背对背信用证，证号为ILC90512，受益人为 “Sh

34、in Yang公司”，金额为USD1,315,000.00，期限为即期，自由议付n信用证通过马来西亚渣打银行通知受益人7/20/202433跟单信用证统一惯例U课件n11月5日，R银行从渣打银行收到背对背信用证项下单据。渣打银行在面函上声明：已议付相符的单据已议付相符的单据nR银行审单后亦认为单证相符n11月9日，嘉陵公司向R银行提交主证项下全套单据，金额为USD1,401,495.42，期限为85 days sight，并指示R银行：“Please negotiate the above bill and pay our import bill under your L/C No. ILC9

35、0512 favouring Shin Yang Trading Sdn., Bhd. for USD1,316,404.63”7/20/202434跟单信用证统一惯例U课件交单交单n11月12日，R银行将主证项下单据以快邮方式寄给A银行，其面函上声明：我行已议付单据我行已议付单据n11月19日，R银行汇出USD1,316,344.63给渣打银行，完成了其背对背信用证项下的付款7/20/202435跟单信用证统一惯例U课件拒付拒付n11月15日，A银行收到R银行提交的单据n11月22日， A银行发出拒付，理由：产地证系由受益人出具、经当地商会加签的，并非信用证中要求的由当地商会出具。同时声明：

36、“保留单据听候处理，一旦申请人接受不符点即放单，除非在此之前收到相反的指示。”7/20/202436跟单信用证统一惯例U课件中止付款中止付款n11月23日， A银行收到法院的协助执行通知书，以受益人嘉陵公司提交的不是主证项下的单据涉嫌欺诈为由，要求A银行：n查封、扣押LCXXXX152/99信用证项下所有单据n停止支付LCXXXX152/99信用证项下款项nA银行当日将该情况通知R银行 7/20/202437跟单信用证统一惯例U课件交涉交涉n11月24日，R银行致电A银行，称其所递交的单据已符合信用证条款，同时声明：作为议付行，即使在发生欺诈的情况下，也有权要求A银行偿付nA银行以如下理由坚持

37、拒付：n不符点成立；n否认R银行的议付行地位，认为其只是履行背对背信用证项下义务而已n凭法院的止付令7/20/202438跟单信用证统一惯例U课件n2000年7月，法院以证据不足为由，驳回了R银行提出的要求撤销止付裁定申请。法院认为：n1999年11月19日，R银行于支付给渣打银行的款项只是履行了其第ILC90512号背靠背信用证项下的付款义务nR银行向A银行提交单据的行为应认定为委托寄单索汇，也就是说，R银行所处的地位只是托收行。因此，止付裁定并未损害R银行作为托收银行的相关利益7/20/202439跟单信用证统一惯例U课件诉讼诉讼n2001年9月10日，R银行在香港正式起诉A银行。该案于2

38、004年5月在香港高等法院开庭审理，第一审判A银行胜诉。nR银行未提起上诉7/20/202440跟单信用证统一惯例U课件判决判决nA银行所提的不符点不成立，且拒付通知也不符合UCP500第14条的规定nR银行的议付行地位不成立，其只能作为嘉陵公司的委托寄单行，因此，R银行无权向A银行主张要求获得赔偿的权利nR银行没有对单据做无追索的买断，尽管R银行在其1999年11月12日的面函中声称其已议付该单据已议付该单据，但实际上当天并未发生任何支付行为7/20/202441跟单信用证统一惯例U课件nR银行于1999年11月19日向其背靠背信用证受益人所支付的金额为USD1,316,344.63的款项只

39、是解除了其背靠背信用证项下自身的付款责任，并不是对主证项下单据的议付行为。因为，R银行并未对主证项下单据向嘉陵公司做出扣除银行费用、融资利息后的全额款项，即USD1,401,495.42nR银行并未向嘉陵公司的帐户支付任何款项，而金额为USD1,316,344.63的款项并未先贷记嘉陵公司的帐户，而是直接用于支付背靠背信用证项下的支款n金额为USD1,316,344.63的融资，R银行是作为进口融资而不是出口融资记录在册的7/20/202442跟单信用证统一惯例U课件n 议付的构成要件议付的构成要件n议付的时间n议付的金额7/20/202443跟单信用证统一惯例U课件n议付定义的演变议付定义的

40、演变nUCP500：Negotiation means the giving of value for Draft(s) and/or document(s) by the bank authorized to negotiate. Mere examination of the documents without giving of value does not constitute a negotiation.nUCP600：Negotiation means the purchase by the nominated bank of drafts (drawn on a bank oth

41、er than the nominated bank) and/or documents under a complying presentation, by advancing or agreeing to advance funds to the beneficiary on or before the banking day on which reimbursement is due to the nominated bank.7/20/202444跟单信用证统一惯例U课件n单证实务：单证实务：n信用证中规定：THE AMOUNT OF THE INVOICES AND/OR DRAFT

42、(S) MUST BE ENDORSED ON THE REVERSE OF THIS CREDIT。n问：问：银行能否凭副本信用证为受益人办理议付/交单？n答案：可以/不可以。7/20/202445跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nNominated bank means the bank with whichthecreditisavailableoranybankinthecaseofacreditavailablewithanybank.nPresentation means either the delivery ofd

43、ocuments under a credit to the issuingbankornominatedbankorthedocumentssodelivered.nPresenter means a beneficiary, bank orotherpartythatmakesapresentation.7/20/202446跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n删除了那些表达不确切、内容已过时及与国际贸易实务相删除了那些表达不确切、内容已过时及与国际贸易实务相脱节的条款脱节的条款n条款总数由UCP500的49条缩减为39条，且不

44、再分类n删除了信用证“可撤销”的概念(Art.6 of UCP500)n删除了运输行单据条款(Art.39 of UCP500)n删除了运输单据之“不得含有载运船只仅以风帆为动力的批注” (Art.23 of UCP500)n删除了运输单据之额外费用的列举条款(Art.33 of UCP500)7/20/202447跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n确立了新的国际结算实务操作标准确立了新的国际结算实务操作标准n银行审核单据的时间缩短为5天nAnominatedbankactingonitsnomination,aconfirmin

45、gbank,ifany,andtheissuingbankshalleachhaveamaximumoffivebankingdaysfollowingthedayofpresentationtodetermineifapresentationiscomplying.7/20/202448跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n明确了受益人对修改保持沉默不等于接受修改明确了受益人对修改保持沉默不等于接受修改nAprovisioninanamendmenttotheeffectthattheamendmentshallenterintof

46、orceunlessrejectedbythebeneficiarywithinacertaintimeshallbedisregarded.(Art.10)7/20/202449跟单信用证统一惯例U课件n实务：实务：MT700/47AnIN CASE AMENDMENT(S) HAVE BEEN ISSUED UNDER THE L/C, A BENEFICIARYS CERTIFICATE IS TO BE PRESENTED MENTIONING THIS L/C NUMBER, LISTING THE AMENDMENT(S) RECEIVED AND CONFIRMING ACCEP

47、TANCE OR REJECTION OF THE AMENDMENT(S) IN A MANNER NOT INCONSISTENT WITH ANY PREVIOUS NOTIFICATION GIVEN BY THE BENEFICIARY BEFORE7/20/202450跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n增加了实务操作性条款增加了实务操作性条款n即使单据遗失，开证行也必须付款nProvidedthatthestipulateddocumentsarepresentedtothenominatedbankortotheis

48、suingbankandthattheyconstituteacomplyingpresentation,theissuingbankmusthonour(Art.7)nAnissuingbankisirrevocablyboundtohonourasofthetimeitissuesthecredit.(Art.7)nAnissuingbankundertakestoreimburseanominatedbankthathashonouredornegotiatedacomplyingpresentationandforwardedthedocumentstotheissuingbank.(

49、Art.7)7/20/202451跟单信用证统一惯例U课件nAn irrevocable Credit constitutesd a definite undertaking or the issuing Bank, provided that the stipulated documents are presented to the Nominated Bank or to the Issuing Bank and that the terms and conditions of the Credit are complied with(Art.9 of UCP500) n如果发送单证相符单

50、据给开证行的银行是一家被指定银行，而单据在途中如果发送单证相符单据给开证行的银行是一家被指定银行，而单据在途中遗失，那么开证行有责任付款，前提是单据以信用证规定的方式寄送，即遗失，那么开证行有责任付款，前提是单据以信用证规定的方式寄送，即当信用证规定为挂号邮寄时，单据要按那种方式寄送，而不是通过快递公当信用证规定为挂号邮寄时，单据要按那种方式寄送，而不是通过快递公司。以非信用证所要求的方式寄送单据的风险有被指定银行承担，而不是司。以非信用证所要求的方式寄送单据的风险有被指定银行承担，而不是受益人承担。（受益人承担。（ICC632/R429） 7/20/202452跟单信用证统一惯例U课件nIf

51、anominatedbankdeterminesthatapresentationiscomplyingandforwardsthedocumentstotheissuingbankorconfirmingbank,whetherornotthenominatedbankhashonouredornegotiated,anissuingbankorconfirmingbankmusthonourornegotiate,orreimbursethatnominatedbank,evenwhenthedocumentshavebeenlostintransitbetweenthenominated

52、bankandtheissuingbankorconfirmingbank,orbetweentheconfirmingbankandtheissuingbank.(Art.35)7/20/202453跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n拒付电增加了拒付电增加了“持单至申请人放弃不付点持单至申请人放弃不付点”的选的选择择ntheissuingbankisholdingthedocumentsuntilitreceivesawaiverfromtheapplicantandagreestoacceptit,orreceivesfurt

53、herinstructionsfromthepresenterpriortoagreeingtoacceptawaiver(Art.16)7/20/202454跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n建立了建立了“单据必须满足其功能单据必须满足其功能”的标准的标准nIfacreditrequirespresentationofadocumentotherthanatransportdocument,insurancedocumentorcommercialinvoice,withoutstipulatingbywhomthedocume

54、ntistobeissuedoritsdatacontent,bankswillacceptthedocumentaspresentedifitscontentappearstofulfilthefunctionoftherequireddocumentandotherwisecomplieswithsub-article14(d).7/20/202455跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nWhendocumentsotherthantransportdocuments,insurancedocumentsandcommercial

55、invoicesarecalledfor,theCreditshouldstipulatebywhomsuchdocumentsaretobeissuedandtheirwordingordatacontent.IftheCreditdoesnotsostipulate,bankswillacceptsuchdocumentsaspresented,providedthattheirdatacontentisnotinconsistentwithanyotherstipulateddocumentpresented.(Art.21ofUCP500)n当要求提供运输单据、保险单据和商业发票以外的

56、单据时，当要求提供运输单据、保险单据和商业发票以外的单据时，信用证中应规定该单据的出票人及其措辞或内容。如信用信用证中应规定该单据的出票人及其措辞或内容。如信用证对此未作规定，证对此未作规定，只要所提交单据的内容与提交的其它规只要所提交单据的内容与提交的其它规定单据不矛盾，银行将接受此类单据。定单据不矛盾，银行将接受此类单据。 （第（第2121条）条）7/20/202456跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n明确开证行可以作为转让行转让自己开立的信用证明确开证行可以作为转让行转让自己开立的信用证nTransferringbankme

57、ansanominatedbankthattransfersthecreditor,inacreditavailablewithanybank,abankthatisspecificallyauthorizedbytheissuingbanktotransferandthattransfersthecredit.Anissuingbankmaybeatransferringbank.(Art.38)7/20/202457跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n措辞更为简洁、严格、清晰、与时俱进措辞更为简洁、严格、清晰、与时俱进n关于简洁

58、nIfthebillofladingcontainstheindication“intendedvessel”,orsimilarqualificationinrelationtothevessel,loadingonboardanamedvesselmustbeevidencedbyanonboardnotationonthebillofladingwhich,inadditiontothedateonwhichthegoodshavebeenloadedonboard,alsoincludesthenameofthevesselonwhichthegoodshavebeenloaded,e

59、veniftheyhavebeenloadedonthevesselnamedasthe“intendedvessel”.(Art.24ofUCP500)字符数（不计空格）3607/20/202458跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析nIfthebillofladingcontainstheindication“intendedvessel”orsimilarqualificationinrelationtothenameofthevessel,anonboardnotationindicatingthedateofshipment

60、andthenameoftheactualvesselisrequired.(Art.20ofUCP600)字符数（不计空格）1897/20/202459跟单信用证统一惯例U课件UCP600UCP600与与UCP500UCP500的比较分析的比较分析n关于严格关于严格n拒付通知的格式及内容：A A singlesingle notice notice n关于清晰关于清晰n措辞“and/or”修订为 “or”，单、复数同义nWhere applicable, words in the singular include the plural and in the plural include th

61、e singular. (Art.3)n关于与时俱进关于与时俱进n银行对因遭受恐怖袭击(acts of terrorism)导致银行停业所造成后果的免责n删除了信用证“可撤销”的概念：A credit is irrevocable even if there is no indication to that effect. (Art.3)7/20/202460跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAdvisingbanknApplicantnBeneficiarynConfirmingbanknIssuingbanknNominate

62、dbanknPresenter7/20/202461跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n对申请人对申请人nApplicantmeansthepartyonwhoserequestthecreditisissued.（Art.2）7/20/202462跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcreditbyitsnatureisaseparatetransactionfromthesaleorothercontractonwhichitmaybebased.theundert

63、akingofabanktohonour,tonegotiateortofulfilanyotherobligationunderthecreditisnotsubjecttoclaimsordefencesbytheapplicantresultingfromitsrelationshipswiththeissuingbankorthebeneficiary.(Art.4) 7/20/202463跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAbeneficiarycaninnocaseavailitselfofthecontractual

64、relationshipsexistingbetweenbanksorbetweentheapplicantandtheissuingbank.(Art.4)7/20/202464跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAnissuingbankshoulddiscourageanyattemptbytheapplicanttoinclude,asanintegralpartofthecredit,copiesoftheunderlyingcontract,proformainvoiceandthelike.(Art.4)7/20/20

65、2465跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcreditmustnotbeissuedavailablebyadraftdrawnontheapplicant.(Art.6)7/20/202466跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nWhentheaddressesofthebeneficiaryandtheapplicantappearinanystipulateddocument,theyneednotbethesameasthosestatedinthecredit

66、orinanyotherstipulateddocument,butmustbewithinthesamecountryastherespectiveaddressesmentionedinthecredit.Contactdetails(telefax,telephone,emailandthelike)statedaspartofthebeneficiarysandtheapplicantsaddresswillbedisregarded.However,whentheaddressandcontactdetailsoftheapplicantappearaspartoftheconsig

67、neeornotifypartydetailsonatransportdocumentsubjecttoarticles19,20,21,22,23,24or25,theymustbeasstatedinthecredit.(Art.14)7/20/202467跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nWhenanissuingbankdeterminesthatapresentationdoesnotcomply,itmayinitssolejudgementapproachtheapplicantforawaiverofthedisc

68、repancies.Thisdoesnot,however,extendtheperiodmentionedinsub-article14(b).(Art.16)7/20/202468跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcommercialinvoicemustbemadeoutinthenameoftheapplicant(exceptasprovidedinsub-article38(g)(Art.18)7/20/202469跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAb

69、ankutilizingtheservicesofanotherbankforthepurposeofgivingeffecttotheinstructionsoftheapplicantdoessofortheaccountandattheriskoftheapplicant.(Art.37)7/20/202470跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n对开证行对开证行nIssuingbankmeansthebankthatissuesacreditattherequestofanapplicantoronitsownbehalf.(

70、Art.2)7/20/202471跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响案例：中国银行香港分行诉香港建新银行案案例：中国银行香港分行诉香港建新银行案 n基本案情介绍：n1998年7月3日，香港建新银行（以下称JSB）根据新远贸易公司的申请，开出以南北行（以下称NPH）为受益人的90天远期承兑信用证；n1998年7月14日，受益人NPH向中国银行香港分行（以下称BOC）交单并申请融资，BOC于同日将单据寄往JSB银行收款；n1998年7月23日，JSB银行向BOC发出承兑通知，到期日为1998年10月15日。nBOC收到承兑通知后，于同日

71、为受益人NPH办理贴现。7/20/202472跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n事后，进口商在提货时发现提单系伪造，提单表面显示的2万吨燃料油实际装运数量只有3千吨。为此，进口商立即向开证行JSB提出拒付并以单据欺诈为由向法院申请止付令；n贴现行BOC对此做出的反应是于1998年10月26日向开证行JSB正式发出律师函，并向香港高等法院提出诉讼，起诉开证行及开证申请人。n问题：谁将胜诉？问题：谁将胜诉？7/20/202473跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n判决：判决

72、：n经过数次开庭审理，法院最终裁定共同被告方JSB银行与新远贸易公司败诉，须赔付原告BOC贴现本金及诉讼及执行期间的利息，并负担全部诉讼费用。n本判决再一次验证了贸易欺诈诉讼不得对抗在不知情条件下议付票据的“善意第三方”（即议付行）的法律原则。在此案的法庭判词中，William Stone法官做出如下的判决：nIhavenohesitationindecidingthatJSB,thedefendantherein,mustsucceedinitsclaimforindemnificationbyXinyuanagainsttheclaimofBOC,JSBsliabilitytoBOChav

73、ingbeenearlierestablished.Isoorder.IwillhearcounselonthepreciseformoftheOrder,togetherwithargumentoninterestandcosts7/20/202474跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAnissuingbankshoulddiscourageanyattemptbytheapplicanttoinclude,asanintegralpartofthecredit,copiesoftheunderlyingcontract,pro

74、formainvoiceandthelike.(Art.4)7/20/202475跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcreditmuststatethebankwithwhichitisavailableorwhetheritisavailablewithanybank.Acreditavailablewithanominatedbankisalsoavailablewiththeissuingbank.（Art.6)7/20/202476跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人

75、的影响nTheplaceofthebankwithwhichthecreditisavailableistheplaceforpresentation.Theplaceforpresentationunderacreditavailablewithanybankisthatofanybank.Aplaceforpresentationotherthanthatoftheissuingbankisinadditiontotheplaceoftheissuingbank.(Art.6)7/20/202477跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的

76、影响nWhenanissuingbankdeterminesthatapresentationiscomplying,itmusthonour.(Art.15)7/20/202478跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nArticle7IssuingBankUndertakingna.Providedthatthestipulateddocumentsarepresentedtothenominatedbankortotheissuingbankandthattheyconstituteacomplyingpresentation,t

77、heissuingbankmusthonourifthecreditisavailableby:7/20/202479跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响ni.sightpayment,deferredpaymentoracceptancewiththeissuingbank;nii.sightpaymentwithanominatedbankandthatnominatedbankdoesnotpay;niii.deferredpaymentwithanominatedbankandthatnominatedbankdoesnoti

78、ncuritsdeferredpaymentundertakingor,havingincurreditsdeferredpaymentundertaking,doesnotpayatmaturity;niv.acceptancewithanominatedbankandthatnominatedbankdoesnotacceptadraftdrawnonitor,havingacceptedadraftdrawnonit,doesnotpayatmaturity;nv.negotiationwithanominatedbankandthatnominatedbankdoesnotnegoti

79、ate.7/20/202480跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nb.Anissuingbankisirrevocablyboundtohonourasofthetimeitissuesthecredit.nc.Anissuingbankundertakestoreimburseanominatedbankthathashonouredornegotiatedacomplyingpresentationandforwardedthedocumentstotheissuingbank.Reimbursementfortheamount

80、ofacomplyingpresentationunderacreditavailablebyacceptanceordeferredpaymentisdueatmaturity,whetherornotthenominatedbankprepaidorpurchasedbeforematurity.Anissuingbanksundertakingtoreimburseanominatedbankisindependentoftheissuingbanksundertakingtothebeneficiary.7/20/202481跟单信用证统一惯例U课件UCP600UCP600实施后对不同

81、当事人的影响实施后对不同当事人的影响nIfabankisauthorizedorrequestedbytheissuingbanktoconfirmacreditbutisnotpreparedtodoso,itmustinformtheissuingbankwithoutdelayandmayadvisethecreditwithoutconfirmation.(Art.8)7/20/202482跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nExceptasotherwiseprovidedbyarticle38,acreditcannei

82、therbeamendednorcancelledwithouttheagreementoftheissuingbank,theconfirmingbank,ifany,andthebeneficiary.(Art.10)7/20/202483跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAnissuingbankisirrevocablyboundbyanamendmentasofthetimeitissuestheamendment.Aconfirmingbankmayextenditsconfirmationtoanamendmenta

83、ndwillbeirrevocablyboundasofthetimeitadvisestheamendment.Aconfirmingbankmay,however,choosetoadviseanamendmentwithoutextendingitsconfirmationand,ifso,itmustinformtheissuingbankwithoutdelayandinformthebeneficiaryinitsadvice.(Art.10)7/20/202484跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nIfacredits

84、tatesthatchargesarefortheaccountofthebeneficiaryandchargescannotbecollectedordeductedfromproceeds,theissuingbankremainsliableforpaymentofcharges.(Art.37)7/20/202485跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响c.Anadvisingbankmayutilizetheservicesofanotherbank(“secondadvisingbank”)toadvisethecredi

85、tandanyamendmenttothebeneficiary.Byadvisingthecreditoramendment,thesecondadvisingbanksignifiesthatithassatisfieditselfastotheapparentauthenticityoftheadviceithasreceivedandthattheadviceaccuratelyreflectsthetermsandconditionsofthecreditoramendmentreceived.d.Abankutilizingtheservicesofanadvisingbankor

86、secondadvisingbanktoadviseacreditmustusethesamebanktoadviseanyamendmentthereto.e.Ifabankisrequestedtoadviseacreditoramendmentbutelectsnottodoso,itmustsoinform,withoutdelay,thebankfromwhichthecredit,amendmentoradvicehasbeenreceived.7/20/202486跟单信用证统一惯例U课件nIfanominatedbankdeterminesthatapresentationis

87、complyingandforwardsthedocumentstotheissuingbankorconfirmingbank,whetherornotthenominatedbankhashonouredornegotiated,anissuingbankorconfirmingbankmusthonourornegotiate,orreimbursethatnominatedbank,evenwhenthedocumentshavebeenlostintransitbetweenthenominatedbankandtheissuingbankorconfirmingbank,orbet

88、weentheconfirmingbankandtheissuingbank.(Art.35)7/20/202487跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n对通知行nAdvisingbankmeansthebankthatadvisesthecreditattherequestoftheissuingbank.(Art.2)7/20/202488跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nArticle9AdvisingofCreditsandAmendmentsa.Acredita

89、ndanyamendmentmaybeadvisedtoabeneficiarythroughanadvisingbank.Anadvisingbankthatisnotaconfirmingbankadvisesthecreditandanyamendmentwithoutanyundertakingtohonourornegotiate.b.Byadvisingthecreditoramendment,theadvisingbanksignifiesthatithassatisfieditselfastotheapparentauthenticityofthecreditoramendme

90、ntandthattheadviceaccuratelyreflectsthetermsandconditionsofthecreditoramendmentreceived.7/20/202489跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响f. Ifabankisrequestedtoadviseacreditoramendmentbutcannotsatisfyitselfastotheapparentauthenticityofthecredit,theamendmentortheadvice,itmustsoinform,withou

91、tdelay,thebankfromwhichtheinstructionsappeartohavebeenreceived.Iftheadvisingbankorsecondadvisingbankelectsnonethelesstoadvisethecreditoramendment,itmustinformthebeneficiaryorsecondadvisingbankthatithasnotbeenabletosatisfyitselfastotheapparentauthenticityofthecredit,theamendmentortheadvice.7/20/20249

92、0跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAnissuingbankoradvisingbankassumesnoliabilityorresponsibilityshouldtheinstructionsittransmitstoanotherbanknotbecarriedout,evenifithastakentheinitiativeinthechoiceofthatotherbank.(Art.37)7/20/202491跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcre

93、ditoramendmentshouldnotstipulatethattheadvisingtoabeneficiaryisconditionaluponthereceiptbytheadvisingbankorsecondadvisingbankofitscharges.(Art.37)7/20/202492跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n对保兑行对保兑行nConfirmingbankmeansthebankthataddsitsconfirmationtoacreditupontheissuingbanksauthoriz

94、ationorrequest.(Art.2)7/20/202493跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nBanco Santander S.A. V. Banque Paribasn原告：Banco Santander （保兑行）n被告：Banque Paribas（开证行） 7/20/202494跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n背景nParibasParibas开立了一份金额为USD18,500,000.00USD18,500,000.00的跟单信用证。该证规定“由开

95、证行办理延期付款”，期限为提单日后180180天nSantanderSantander通知该证，并根据开证行的请求对信用证加具了保兑n随后，受益人提交了证下单据, 经审核，SantanderSantander银行接受了单据，确定到期日为19981998年1111月2727日n根据与受益人签订的有关协议，SantanderSantander银行凭一份款项让渡书贴现了远期付款款项n贴现后不久，受益人被指控欺诈。开证行在到期日拒绝偿付保兑行，理由是：在到期日前发现了欺诈n经交涉无果，保兑行起诉开证行，要求开证行履行偿付责任7/20/202495跟单信用证统一惯例U课件UCP600UCP600实施后对

96、不同当事人的影响实施后对不同当事人的影响n调查调查n欺诈确定成立nSantander银行在保兑信用证及贴现有关单据时不知悉欺诈存在n保兑行和开证行均是在到期日前获悉欺诈n问题：谁将胜诉？7/20/202496跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n法官意见法官意见n在受益人欺诈成立，且在到期日之前保兑行已知悉欺诈的前提下，风险应由保兑行而非开证行承担n在一份保兑信用证中，开证行对保兑行做出的基本授权是：到期付款。开证行相应的偿付责任是：到期偿付。如果在到期前确定发生欺诈，那么保兑行则不再承担付款责任，开证行亦不承担偿付责任n不可撤销延期

97、付款信用证的开证行，可以受益人欺诈为由拒绝对保兑行偿付；尽管在欺诈发现之前保兑行已接受了单据并对受益人进行了付款，开证行仍然有权采取拒付行动nSantanderSantander败诉，SantanderSantander无权要求开证行予以偿付n问题：延期付款信用证项下，出口地银行是否可以向受益人融资？ 7/20/202497跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nWhenaconfirmingbankdeterminesthatapresentationiscomplying,itmusthonourornegotiateandforw

98、ardthedocumentstotheissuingbank.(Art.15)7/20/202498跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nArticle8ConfirmingBankUndertakinga.Providedthatthestipulateddocumentsarepresentedtotheconfirmingbankortoanyothernominatedbankandthattheyconstituteacomplyingpresentation,theconfirmingbankmust:7/20/2024

99、99跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响i.honour,ifthecreditisavailablebya.sightpayment,deferredpaymentoracceptancewiththeconfirmingbank;b.sightpaymentwithanothernominatedbankandthatnominatedbankdoesnotpay;c.deferredpaymentwithanothernominatedbankandthatnominatedbankdoesnotincuritsdeferred

100、paymentundertakingor,havingincurreditsdeferredpaymentundertaking,doesnotpayatmaturity;d.acceptancewithanothernominatedbankandthatnominatedbankdoesnotacceptadraftdrawnonitor,havingacceptedadraftdrawnonit,doesnotpayatmaturity;e.negotiationwithanothernominatedbankandthatnominatedbankdoesnotnegotiate.7/

101、20/2024100跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响ii.negotiate,withoutrecourse,ifthecreditisavailablebynegotiationwiththeconfirmingbank.b.Aconfirmingbankisirrevocablyboundtohonourornegotiateasofthetimeitaddsitsconfirmationtothecredit.c.Aconfirmingbankundertakestoreimburseanothernominatedbank

102、thathashonouredornegotiatedacomplyingpresentationandforwardedthedocumentstotheconfirmingbank.Reimbursementfortheamountofacomplyingpresentationunderacreditavailablebyacceptanceordeferredpaymentisdueatmaturity,whetherornotanothernominatedbankprepaidorpurchasedbeforematurity.Aconfirmingbanksundertaking

103、toreimburseanothernominatedbankisindependentoftheconfirmingbanksundertakingtothebeneficiary.d.Ifabankisauthorizedorrequestedbytheissuingbanktoconfirmacreditbutisnotpreparedtodoso,itmustinformtheissuingbankwithoutdelayandmayadvisethecreditwithoutconfirmation.7/20/2024101跟单信用证统一惯例U课件UCP600UCP600实施后对不同

104、当事人的影响实施后对不同当事人的影响nExceptasotherwiseprovidedbyarticle38,acreditcanneitherbeamendednorcancelledwithouttheagreementoftheissuingbank,theconfirmingbank,ifany,andthebeneficiary.(Art.10)7/20/2024102跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAnissuingbankisirrevocablyboundbyanamendmentasofthetimeitis

105、suestheamendment.Aconfirmingbankmayextenditsconfirmationtoanamendmentandwillbeirrevocablyboundasofthetimeitadvisestheamendment.Aconfirmingbankmay,however,choosetoadviseanamendmentwithoutextendingitsconfirmationand,ifso,itmustinformtheissuingbankwithoutdelayandinformthebeneficiaryinitsadvice.(Art.10)

106、7/20/2024103跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n对受益人对受益人nBeneficiarymeansthepartyinwhosefavouracreditisissued.(Art.2)7/20/2024104跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nHonourmeans:a.topayatsightifthecreditisavailablebysightpayment.b.toincuradeferredpaymentundertakingandpayatma

107、turityifthecreditisavailablebydeferredpayment.c.toacceptabillofexchange(“draft”)drawnbythebeneficiaryandpayatmaturityifthecreditisavailablebyacceptance.7/20/2024105跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nNegotiationmeansthepurchasebythenominatedbankofdrafts(drawnonabankotherthanthenominated

108、bank)and/ordocumentsunderacomplyingpresentation,byadvancingoragreeingtoadvancefundstothebeneficiaryonorbeforethebankingdayonwhichreimbursementisduetothenominatedbank.(Art.2)7/20/2024106跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nPresentermeansabeneficiary,bankorotherpartythatmakesapresentation.

109、(Art.2)7/20/2024107跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nTermssuchasfirstclass,wellknown,qualified,independent,official,competentorlocalusedtodescribetheissuerofadocumentallowanyissuerexceptthebeneficiarytoissuethatdocument.(Art.3) 7/20/2024108跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人

110、的影响nAbeneficiarycaninnocaseavailitselfofthecontractualrelationshipsexistingbetweenbanksorbetweentheapplicantandtheissuingbank.(Art.4)7/20/2024109跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nExceptasprovidedinsub-article29(a),apresentationbyoronbehalfofthebeneficiarymustbemadeonorbeforetheexpiryd

111、ate.(Art.6)7/20/2024110跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nExceptasotherwiseprovidedbyarticle38,acreditcanneitherbeamendednorcancelledwithouttheagreementoftheissuingbank,theconfirmingbank,ifany,andthebeneficiary.(Art.10)7/20/2024111跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nTheter

112、msandconditionsoftheoriginalcredit(oracreditincorporatingpreviouslyacceptedamendments)willremaininforceforthebeneficiaryuntilthebeneficiarycommunicatesitsacceptanceoftheamendmenttothebankthatadvisedsuchamendment.Thebeneficiaryshouldgivenotificationofacceptanceorrejectionofanamendment.Ifthebeneficiar

113、yfailstogivesuchnotification,apresentationthatcomplieswiththecreditandtoanynotyetacceptedamendmentwillbedeemedtobenotificationofacceptancebythebeneficiaryofsuchamendment.Asofthatmomentthecreditwillbeamended.(Art.10) 7/20/2024112跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAprovisioninanamendment

114、totheeffectthattheamendmentshallenterintoforceunlessrejectedbythebeneficiarywithinacertaintimeshallbedisregarded.(Art.10)7/20/2024113跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAreimbursingbankschargesarefortheaccountoftheissuingbank.However,ifthechargesarefortheaccountofthebeneficiary,itisther

115、esponsibilityofanissuingbanktosoindicateinthecreditandinthereimbursementauthorization.Ifareimbursingbankschargesarefortheaccountofthebeneficiary,theyshallbedeductedfromtheamountduetoaclaimingbankwhenreimbursementismade.Ifnoreimbursementismade,thereimbursingbankschargesremaintheobligationoftheissuing

116、bank.(Art.13)7/20/2024114跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nApresentationincludingoneormoreoriginaltransportdocumentssubjecttoarticles19,20,21,22,23,24or25mustbemadebyoronbehalfofthebeneficiarynotlaterthan21calendardaysafterthedateofshipmentasdescribedintheserules,butinanyeventnotlater

117、thantheexpirydateofthecredit.(Art.14)7/20/2024115跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nWhentheaddressesofthebeneficiaryandtheapplicantappearinanystipulateddocument,theyneednotbethesameasthosestatedinthecreditorinanyotherstipulateddocument,butmustbewithinthesamecountryastherespectiveaddres

118、sesmentionedinthecredit.Contactdetails(telefax,telephone,emailandthelike)statedaspartofthebeneficiarysandtheapplicantsaddresswillbedisregarded.However,whentheaddressandcontactdetailsoftheapplicantappearaspartoftheconsigneeornotifypartydetailsonatransportdocumentsubjecttoarticles19,20,21,22,23,24or25

119、,theymustbeasstatedinthecredit.(Art.14)7/20/2024116跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nTheshipperorconsignorofthegoodsindicatedonanydocumentneednotbethebeneficiaryofthecredit.(Art.14)7/20/2024117跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcommercialinvoice:i.mustappeartohavebeenis

120、suedbythebeneficiary(exceptasprovidedinarticle38).(Art.18)7/20/2024118跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcreditoramendmentshouldnotstipulatethattheadvisingtoabeneficiaryisconditionaluponthereceiptbytheadvisingbankorsecondadvisingbankofitscharges.(Art.37)7/20/2024119跟单信用证统一惯例U课件UCP600U

121、CP600实施后对不同当事人的影响实施后对不同当事人的影响nTransferablecreditmeansacreditthatspecificallystatesitis“transferable”.Atransferablecreditmaybemadeavailableinwholeorinparttoanotherbeneficiary(“secondbeneficiary”)attherequestofthebeneficiary(“firstbeneficiary”).(Art.38)nACreditcanbetransferredonlyifitisexpresslydesign

122、atedastransferablebytheIssuingBank.Termssuchasdivisible,fractionable,assignable,andtransmissibledonotrendertheCredittransferable.Ifsuchtermsareusedtheyshallbedisregarded.(Art.48UCP500)7/20/2024120跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nTransferredcreditmeansacreditthathasbeenmadeavailableby

123、thetransferringbanktoasecondbeneficiary.(Art.38)7/20/2024121跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nUnlessotherwiseagreedatthetimeoftransfer,allcharges(suchascommissions,fees,costsorexpenses)incurredinrespectofatransfermustbepaidbythefirstbeneficiary.(Art.38) 7/20/2024122跟单信用证统一惯例U课件UCP600U

124、CP600实施后对不同当事人的影响实施后对不同当事人的影响nAcreditmaybetransferredinparttomorethanonesecondbeneficiaryprovidedpartialdrawingsorshipmentsareallowed.(Art.38)7/20/2024123跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcreditmaybetransferredinparttomorethanonesecondbeneficiaryprovidedpartialdrawingsorshipmentsarea

125、llowed.(Art.38)7/20/2024124跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAtransferredcreditcannotbetransferredattherequestofasecondbeneficiarytoanysubsequentbeneficiary.Thefirstbeneficiaryisnotconsideredtobeasubsequentbeneficiary.(Art.38)7/20/2024125跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影

126、响nAnyrequestfortransfermustindicateifandunderwhatconditionsamendmentsmaybeadvisedtothesecondbeneficiary.Thetransferredcreditmustclearlyindicatethoseconditions.(Art.38)7/20/2024126跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nIfacreditistransferredtomorethanonesecondbeneficiary,rejectionofanamendm

127、entbyoneormoresecondbeneficiarydoesnotinvalidatetheacceptancebyanyothersecondbeneficiary,withrespecttowhichthetransferredcreditwillbeamendedaccordingly.Foranysecondbeneficiarythatrejectedtheamendment,thetransferredcreditwillremainunamended.(Art.38)7/20/2024127跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对

128、不同当事人的影响nThenameofthefirstbeneficiarymaybesubstitutedforthatoftheapplicantinthecredit.(Art.38)7/20/2024128跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n对被指定银行nNominatedbankmeansthebankwithwhichthecreditisavailableoranybankinthecaseofacreditavailablewithanybank.(Art.2)7/20/2024129跟单信用证统一惯例U课件UCP60

129、0UCP600实施后对不同当事人的影响实施后对不同当事人的影响nNegotiationmeansthepurchasebythenominatedbankofdrafts(drawnonabankotherthanthenominatedbank)and/ordocumentsunderacomplyingpresentation,byadvancingoragreeingtoadvancefundstothebeneficiaryonorbeforethebankingdayonwhichreimbursementisduetothenominatedbank.(Art.2)7/20/202

130、4130跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nPresentationmeanseitherthedeliveryofdocumentsunderacredittotheissuingbankornominatedbankorthedocumentssodelivered.(Art.2)7/20/2024131跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAcreditmuststatethebankwithwhichitisavailableorwhetheritisavailab

131、lewithanybank.Acreditavailablewithanominatedbankisalsoavailablewiththeissuingbank.(Art.6) 7/20/2024132跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nProvidedthatthestipulateddocumentsarepresentedtothenominatedbankortotheissuingbankandthattheyconstituteacomplyingpresentation,theissuingbankmusthonou

132、rifthecreditisavailableby:7/20/2024133跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响ni.sightpayment,deferredpaymentoracceptancewiththeissuingbank;nii.sightpaymentwithanominatedbankandthatnominatedbankdoesnotpay;niii.deferredpaymentwithanominatedbankandthatnominatedbankdoesnotincuritsdeferredpaymen

133、tundertakingor,havingincurreditsdeferredpaymentundertaking,doesnotpayatmaturity;niv.acceptancewithanominatedbankandthatnominatedbankdoesnotacceptadraftdrawnonitor,havingacceptedadraftdrawnonit,doesnotpayatmaturity;nv.negotiationwithanominatedbankandthatnominatedbankdoesnotnegotiate.FromArticle7Issui

134、ngBankUndertaking7/20/2024134跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nWhenanominatedbankdeterminesthatapresentationiscomplyingandhonoursornegotiates,itmustforwardthedocumentstotheconfirmingbankorissuingbank.(Art.15)7/20/2024135跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响n对提示人对提示人nPresent

135、ermeansabeneficiary,bankorotherpartythatmakesapresentation.(Art.2) 7/20/2024136跟单信用证统一惯例U课件UCP600UCP600实施后对不同当事人的影响实施后对不同当事人的影响nAdocumentpresentedbutnotrequiredbythecreditwillbedisregardedandmaybereturnedtothepresenter.(Art.14)7/20/2024137跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题n合格单据的标准合

136、格单据的标准n在信用证交易中，出口商提供的单据必须合符信用证和跟单信用证统一惯例的规定，但是这样的单据并不一定符合合格单据的标准。譬如，UCP500UCP500与一般的信用证中都没有汇票必须由出票人签字的规定。但是一张没有出票人签字的汇票肯定是不合格的，根据票据法，没有这项内容，票据不成立。所以合格的单据，还必须合符法规（Legally acceptableLegally acceptable）以及常规（Common senseCommon sense），），譬如毛重必须大于净重，否则进口商或开证行有权拒付。总之，“单据必须满足其功能”需要。nUCP600UCP600规定规定：Complyin

137、gpresentationmeansapresentationthatisinaccordancewiththetermsandconditionsofthecredit,theapplicableprovisionsoftheserulesandinternationalstandardbankingpractice.(Art.2)7/20/2024138跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题n缮制单据的基本要求缮制单据的基本要求n准确。这是缮制单据的第一要求。要求做到“单证相符、单单一致”。“单证相符”即所有的单据都要与信用

138、证保持一致，“单单一致”即单据与单据之间的相同内容都要一致。n完整。包括内容完整、份数完整、种类完整。n及时。在信用证项下交单必须掌握装运期、交单期和信用证有效期。n简明。单据文字内容力求简单明了，避免画蛇添足。n整洁。单据的缮制必须力求表面整洁。个别错误可以更正，但必须在更正处加以签署或加盖更正章，不能遗漏。7/20/2024139跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle17OriginalDocumentsandCopiesa.Atleastoneoriginalofeachdocumentstipulated

139、inthecreditmustbepresented.b.Abankshalltreatasanoriginalanydocumentbearinganapparentlyoriginalsignature,mark,stamp,orlabeloftheissuerofthedocument,unlessthedocumentitselfindicatesthatitisnotanoriginal.7/20/2024140跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题c.Unlessadocumentindicatesotherwise

140、,abankwillalsoacceptadocumentasoriginalifit: 7/20/2024141跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题ni.appearstobewritten,typed,perforatedorstampedbythedocumentissuershand;ornii.appearstobeonthedocumentissuersoriginalstationery;orniii.statesthatitisoriginal,unlessthestatementappearsnottoapp

141、lytothedocumentpresented. 7/20/2024142跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nd.Ifacreditrequirespresentationofcopiesofdocuments,presentationofeitheroriginalsorcopiesispermitted.ne.Ifacreditrequirespresentationofmultipledocumentsbyusingtermssuchasinduplicate,intwofoldorintwocopies,thisw

142、illbesatisfiedbythepresentationofatleastoneoriginalandtheremainingnumberincopies,exceptwhenthedocumentitselfindicatesotherwise.7/20/2024143跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle18CommercialInvoicena.Acommercialinvoice:ni.mustappeartohavebeenissuedbythebeneficiary(exceptasprovid

143、edinarticle38);nii.mustbemadeoutinthenameoftheapplicant(exceptasprovidedinsub-article38(g);niii.mustbemadeoutinthesamecurrencyasthecredit;andniv.neednotbesigned.7/20/2024144跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nb.Anominatedbankactingonitsnomination,aconfirmingbank,ifany,ortheissuingba

144、nkmayacceptacommercialinvoiceissuedforanamountinexcessoftheamountpermittedbythecredit,anditsdecisionwillbebindinguponallparties,providedthebankinquestionhasnothonouredornegotiatedforanamountinexcessofthatpermittedbythecredit.7/20/2024145跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nc.Thedescr

145、iptionofthegoods,servicesorperformanceinacommercialinvoicemustcorrespondwiththatappearinginthecredit. 7/20/2024146跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle19TransportDocumentCoveringatLeastTwoDifferentModesofTransportna.Atransportdocumentcoveringatleasttwodifferentmodesoftransport

146、(multimodalorcombinedtransportdocument),howevernamed,mustappearto:7/20/2024147跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题ni.indicatethenameofthecarrierandbesignedby:thecarrieroranamedagentfororonbehalfofthecarrier,orthemasteroranamedagentfororonbehalfofthemaster.nAnysignaturebythecarrier,ma

147、steroragentmustbeidentifiedasthatofthecarrier,masteroragent.7/20/2024148跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nAnysignaturebyanagentmustindicatewhethertheagenthassignedfororonbehalfofthecarrierorfororonbehalfofthemaster.nii.indicatethatthegoodshavebeendispatched,takeninchargeorshippedo

148、nboardattheplacestatedinthecredit,by:7/20/2024149跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题pre-printedwording,orastampornotationindicatingthedateonwhichthegoodshavebeendispatched,takeninchargeorshippedonboard.nThedateofissuanceofthetransportdocumentwillbedeemedtobethedateofdispatch,takingi

149、nchargeorshippedonboard,andthedateofshipment.However,ifthetransportdocumentindicates,bystampornotation,adateofdispatch,takinginchargeorshippedonboard,thisdatewillbedeemedtobethedateofshipment.7/20/2024150跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题niii.indicatetheplaceofdispatch,takinginchar

150、georshipmentandtheplaceoffinaldestinationstatedinthecredit,evenif:na.thetransportdocumentstates,inaddition,adifferentplaceofdispatch,takinginchargeorshipmentorplaceoffinaldestination,nornb.thetransportdocumentcontainstheindicationintendedorsimilarqualificationinrelationtothevessel,portofloadingorpor

151、tofdischarge.niv.bethesoleoriginaltransportdocumentor,ifissuedinmorethanoneoriginal,bethefullsetasindicatedonthetransportdocument. 7/20/2024151跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nv.containtermsandconditionsofcarriageormakereferencetoanothersourcecontainingthetermsandconditionsofcarr

152、iage(shortformorblankbacktransportdocument).Contentsoftermsandconditionsofcarriagewillnotbeexamined.nvi.containnoindicationthatitissubjecttoacharterparty.nb.Forthepurposeofthisarticle,transhipmentmeansunloadingfromonemeansofconveyanceandreloadingtoanothermeansofconveyance(whetherornotindifferentmode

153、softransport)duringthecarriagefromtheplaceofdispatch,takinginchargeorshipmenttotheplaceoffinaldestinationstatedinthecredit.7/20/2024152跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nc.i.Atransportdocumentmayindicatethatthegoodswillormaybetranshippedprovidedthattheentirecarriageiscoveredbyonean

154、dthesametransportdocument.nii.Atransportdocumentindicatingthattranshipmentwillormaytakeplaceisacceptable,evenifthecreditprohibitstranshipment.7/20/2024153跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle20BillofLadingnArticle21Non-NegotiableSeaWaybillnArticle22CharterPartyBillofLadingnArt

155、icle23AirTransportDocumentnArticle24Road,RailorInlandWaterwayTransportDocumentsnArticle25CourierReceipt,PostReceiptorCertificateofPosting7/20/2024154跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle26OnDeck,ShippersLoadandCount,“SaidbyShippertoContain”andChargesAdditionaltoFreighta.Atrans

156、portdocumentmustnotindicatethatthegoodsareorwillbeloadedondeck.Aclauseonatransportdocumentstatingthatthegoodsmaybeloadedondeckisacceptable.b.Atransportdocumentbearingaclausesuchasshippersloadandcountandsaidbyshippertocontainisacceptable.c.Atransportdocumentmaybearareference,bystamporotherwise,tochar

157、gesadditionaltothefreight.7/20/2024155跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle27CleanTransportDocumentnAbankwillonlyacceptacleantransportdocument.Acleantransportdocumentisonebearingnoclauseornotationexpresslydeclaringadefectiveconditionofthegoodsortheirpackaging.Theword“clean”nee

158、dnotappearonatransportdocument,evenifacredithasarequirementforthattransportdocumenttobe“cleanonboard”.7/20/2024156跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle28InsuranceDocumentandCoveragena.Aninsurancedocument,suchasaninsurancepolicy,aninsurancecertificateoradeclarationunderanopenco

159、ver,mustappeartobeissuedandsignedbyaninsurancecompany,anunderwriterortheiragentsortheirproxies.nAnysignaturebyanagentorproxymustindicatewhethertheagentorproxyhassignedfororonbehalfoftheinsurancecompanyorunderwriter.7/20/2024157跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nb.Whentheinsurancedo

160、cumentindicatesthatithasbeenissuedinmorethanoneoriginal,alloriginalsmustbepresented.nc.Covernoteswillnotbeaccepted.nd.Aninsurancepolicyisacceptableinlieuofaninsurancecertificateoradeclarationunderanopencover.7/20/2024158跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题ne.Thedateoftheinsurancedocu

161、mentmustbenolaterthanthedateofshipment,unlessitappearsfromtheinsurancedocumentthatthecoveriseffectivefromadatenotlaterthanthedateofshipment.nf.i.Theinsurancedocumentmustindicatetheamountofinsurancecoveragenandbeinthesamecurrencyasthecredit.7/20/2024159跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注

162、意的问题nii.Arequirementinthecreditforinsurancecoveragetobeforapercentagenofthevalueofthegoods,oftheinvoicevalueorsimilarisdeemedtobentheminimumamountofcoveragerequired.nIfthereisnoindicationinthecreditoftheinsurancecoveragerequired,theamountofinsurancecoveragemustbeatleast110%oftheCIForCIPvalueofthegoo

163、ds.7/20/2024160跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nWhentheCIForCIPvaluecannotbedeterminedfromthedocuments,theamountofinsurancecoveragemustbecalculatedonthebasisoftheamountforwhichhonourornegotiationisrequestedorthegrossvalueofthegoodsasshownontheinvoice,whicheverisgreater.7/20/20241

164、61跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题niii.Theinsurancedocumentmustindicatethatrisksarecoveredatleastbetweentheplaceoftakinginchargeorshipmentandtheplaceofdischargeorfinaldestinationasstatedinthecredit.ng.Acreditshouldstatethetypeofinsurancerequiredand,ifany,theadditionalriskstobecov

165、ered.Aninsurancedocumentwillbeacceptedwithoutregardtoanyrisksthatarenotcoveredifthecreditusesimprecisetermssuchas“usualrisks”or“customaryrisks”.7/20/2024162跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nh.Whenacreditrequiresinsuranceagainst“allrisks”andaninsurancedocumentispresentedcontaininga

166、ny“allrisks”notationorclause,whetherornotbearingtheheading“allrisks”,theinsurancedocumentwillbeacceptedwithoutregardtoanyrisksstatedtobeexcluded.ni.Aninsurancedocumentmaycontainreferencetoanyexclusionclause.nj.Aninsurancedocumentmayindicatethatthecoverissubjecttoafranchiseorexcess(deductible).7/20/2

167、024163跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle29ExtensionofExpiryDateorLastDayforPresentationna.Iftheexpirydateofacreditorthelastdayforpresentationfallsonadaywhenthebanktowhichpresentationistobemadeisclosedforreasonsotherthanthosereferredtoinarticle36,theexpirydateorthelastdayfor

168、presentation,asthecasemaybe,willbeextendedtothefirstfollowingbankingday.7/20/2024164跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nb.Ifpresentationismadeonthefirstfollowingbankingday,anominatedbankmustprovidetheissuingbankorconfirmingbankwithastatementonitscoveringschedulethatthepresentationwa

169、smadewithinthetimelimitsextendedinaccordancewithsub-article29(a).nc.Thelatestdateforshipmentwillnotbeextendedasaresultofsub-article29(a). 7/20/2024165跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle30ToleranceinCreditAmount,QuantityandUnitPricesna.Thewordsaboutorapproximatelyusedinconnec

170、tionwiththeamountofthecreditorthequantityortheunitpricestatedinthecreditaretobeconstruedasallowingatolerancenottoexceed10%moreor10%lessthantheamount,thequantityortheunitpricetowhichtheyrefer. 7/20/2024166跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nb.Atolerancenottoexceed5%moreor5%lessthanth

171、equantityofthegoodsisallowed,providedthecreditdoesnotstatethequantityintermsofastipulatednumberofpackingunitsorindividualitemsandthetotalamountofthedrawingsdoesnotexceedtheamountofthecredit.7/20/2024167跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nc.Evenwhenpartialshipmentsarenotallowed,atole

172、rancenottoexceed5%lessthantheamountofthecreditisallowed,providedthatthequantityofthegoods,ifstatedinthecredit,isshippedinfullandaunitprice,ifstatedinthecredit,isnotreducedorthatsub-article30(b)isnotapplicable.Thistolerancedoesnotapplywhenthecreditstipulatesaspecifictoleranceorusestheexpressionsrefer

173、redtoinsub-article30(a).7/20/2024168跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle31PartialDrawingsorShipmentsna.Partialdrawingsorshipmentsareallowed.7/20/2024169跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nb.Apresentationconsistingofmorethanonesetoftransportdocumentsevidencing

174、shipmentcommencingonthesamemeansofconveyanceandforthesamejourney,providedtheyindicatethesamedestination,willnotberegardedascoveringapartialshipment,eveniftheyindicatedifferentdatesofshipmentordifferentportsofloading,placesoftakinginchargeordispatch.Ifthepresentationconsistsofmorethanonesetoftranspor

175、tdocuments,thelatestdateofshipmentasevidencedonanyofthesetsoftransportdocumentswillberegardedasthedateofshipment.7/20/2024170跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nApresentationconsistingofoneormoresetsoftransportdocumentsevidencingshipmentonmorethanonemeansofconveyancewithinthesamemod

176、eoftransportwillberegardedascoveringapartialshipment,evenifthemeansofconveyanceleaveonthesamedayforthesamedestination.nc.Apresentationconsistingofmorethanonecourierreceipt,postreceiptorcertificateofpostingwillnotberegardedasapartialshipmentifthecourierreceipts,postreceiptsorcertificatesofpostingappe

177、artohavebeenstampedorsignedbythesamecourierorpostalserviceatthesameplaceanddateandforthesamedestination.7/20/2024171跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle32InstalmentDrawingsorShipmentsnIfadrawingorshipmentbyinstalmentswithingivenperiodsisstipulatedinthecreditandanyinstalmentis

178、notdrawnorshippedwithintheperiodallowedforthatinstalment,thecreditceasestobeavailableforthatandanysubsequentinstalment.7/20/2024172跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nArticle14StandardforExaminationofDocumentsna.Anominatedbankactingonitsnomination,aconfirmingbank,ifany,andtheissuing

179、bankmustexamineapresentationtodetermine,onthebasisofthedocumentsalone,whetherornotthedocumentsappearontheirfacetoconstituteacomplyingpresentation.7/20/2024173跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nb.Anominatedbankactingonitsnomination,aconfirmingbank,ifany,andtheissuingbankshalleachhav

180、eamaximumoffivebankingdaysfollowingthedayofpresentationtodetermineifapresentationiscomplying.Thisperiodisnotcurtailedorotherwiseaffectedbytheoccurrenceonorafterthedateofpresentationofanyexpirydateorlastdayforpresentation.7/20/2024174跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nc.Apresentatio

181、nincludingoneormoreoriginaltransportdocumentssubjecttoarticles19,20,21,22,23,24or25mustbemadebyoronbehalfofthebeneficiarynotlaterthan21calendardaysafterthedateofshipmentasdescribedintheserules,butinanyeventnotlaterthantheexpirydateofthecredit.7/20/2024175跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制

182、单须注意的问题nd.Datainadocument,whenreadincontextwiththecredit,thedocumentitselfandinternationalstandardbankingpractice,neednotbeidenticalto,butmustnotconflictwith,datainthatdocument,anyotherstipulateddocumentorthecredit. 7/20/2024176跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题ne.Indocumentsothert

183、hanthecommercialinvoice,thedescriptionofthegoods,servicesorperformance,ifstated,maybeingeneraltermsnotconflictingwiththeirdescriptioninthecredit.7/20/2024177跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nf.Ifacreditrequirespresentationofadocumentotherthanatransportdocument,insurancedocumentorc

184、ommercialinvoice,withoutstipulatingbywhomthedocumentistobeissuedoritsdatacontent,bankswillacceptthedocumentaspresentedifitscontentappearstofulfilthefunctionoftherequireddocumentandotherwisecomplieswithsub-article14(d).7/20/2024178跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题ng.Adocumentpresen

185、tedbutnotrequiredbythecreditwillbedisregardedandmaybereturnedtothepresenter.7/20/2024179跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nh.Ifacreditcontainsaconditionwithoutstipulatingthedocumenttoindicatecompliancewiththecondition,bankswilldeemsuchconditionasnotstatedandwilldisregardit.7/20/202

186、4180跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题ni.Adocumentmaybedatedpriortotheissuancedateofthecredit,butmustnotbedatedlaterthanitsdateofpresentation.7/20/2024181跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nj.Whentheaddressesofthebeneficiaryandtheapplicantappearinanystipulateddocum

187、ent,theyneednotbethesameasthosestatedinthecreditorinanyotherstipulateddocument,butmustbewithinthesamecountryastherespectiveaddressesmentionedinthecredit.Contactdetails(telefax,telephone,emailandthelike)statedaspartofthebeneficiarysandtheapplicantsaddresswillbedisregarded.However,whentheaddressandcon

188、tactdetailsoftheapplicantappearaspartoftheconsigneeornotifypartydetailsonatransportdocumentsubjecttoarticles19,20,21,22,23,24or25,theymustbeasstatedinthecredit.7/20/2024182跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nk.Theshipperorconsignorofthegoodsindicatedonanydocumentneednotbethebenefici

189、aryofthecredit.7/20/2024183跟单信用证统一惯例U课件UCP600UCP600实施后出口商制单须注意的问题实施后出口商制单须注意的问题nl.Atransportdocumentmaybeissuedbyanypartyotherthanacarrier,owner,masterorchartererprovidedthatthetransportdocumentmeetstherequirementsofarticles19,20,21,22,23or24oftheserules.7/20/2024184跟单信用证统一惯例U课件开证行的拒付及拒付后单据的处理开证行的拒付

190、及拒付后单据的处理n判断下列拒付电是否合格：nWE FIND FOLLOWING DISCREPANCIES IN THE DOCUMENTS:nLATE SHIPMENT AND PRESENTATIONnPARTIAL SHIPMENT EFFECTEDnOTHER DISCREPANCIESWE ARE HOLDING DOCS. AT YR DISPOSAL PENDING YR INSTRUCTIONS7/20/2024185跟单信用证统一惯例U课件开证行的拒付及拒付后单据的处理开证行的拒付及拒付后单据的处理n现行信用证拒付操作实务n1.必须是在合理时间(REASONABLE TIM

191、E)及不超过自收到单据翌日起的第七个银行工作日内通知交单行/机构/受益人；n2.必须以最快捷方式通知不符点，一般采用电传(TELEX)或(SWIFT)方式；n3.一次性提出所有不符点（“ONLY ONE BITE OF CHERRYONLY ONE BITE OF CHERRY”）；n4.提出的不符点须是实质性不符点，不得一味偏袒开证申请人，挑剔单据无理拒付；n5.不符点通知上必须说明拒付及单据代交单行保存并听候处理（WE REFUSE THE DOCUMENTS DUE TO THE DISCREPANCY(IES) FOUND THEREIN. WE ARE HOLDING DOCS. A

192、T YR DISPOSAL PENDING YR INSTRUCTIONS）；n6.若开证申请人在开证行收到单据前已向开证行申请开立提货担保凭以提取货物，则即使单据中存在不符点，亦不得再对外拒付。7/20/2024186跟单信用证统一惯例U课件开证行的拒付及拒付后单据的处理开证行的拒付及拒付后单据的处理n构成合格拒付通知的构成合格拒付通知的“三要素三要素”:n要有明确的拒付意思表示nWE REFUSE THE DOCUMENTS WE REFUSE THE DOCUMENTS n一次性列出全部不符点，不符点必须明确nDUE TO THE DISCREPANCY(IES) FOUND THERE

193、INDUE TO THE DISCREPANCY(IES) FOUND THEREINn表明单据已代为保管听候处理，或已退给交单人nWE ARE HOLDING DOCS. AT YR DISPOSAL PENDING YR WE ARE HOLDING DOCS. AT YR DISPOSAL PENDING YR INSTRUCTIONS.OR,INSTRUCTIONS.OR,nWE HAVE RETURNED DOCS.TO YOUWE HAVE RETURNED DOCS.TO YOU7/20/2024187跟单信用证统一惯例U课件7/20/2024188跟单信用证统一惯例U课件开证行

194、的拒付及拒付后单据的处理开证行的拒付及拒付后单据的处理nUCP600Article16DiscrepantDocuments,WaiverandNoticenWhenanominatedbankactingonitsnomination,aconfirmingbank,ifany,ortheissuingbankdecidestorefusetohonourornegotiate,itmustgiveasinglenoticetothateffecttothepresenter.7/20/2024189跟单信用证统一惯例U课件开证行的拒付及拒付后单据的处理开证行的拒付及拒付后单据的处理n信用证

195、中普遍采用的不符点条款信用证中普遍采用的不符点条款nNOTWITHSTANDINGTHEPROVISIONSOFUCP500,IFWEGIVENOTICEOFREFUSALOFDOCUMENTSPRESENTEDUNDERTHISCREDITWESHALLHOWEVERRETAINTHERIGHTTOACCEPTAWAIVEROFDISCREPANCIESFROMTHEAPPLICANTAND,SUBJECTTOSUCHWAIVERBEINGACCEPTABLETOUS,TORELEASEDOCUMENTSAGAINSTTHATWAIVERWITHOUTREFERENCETOTHEPRESEN

196、TERPROVIDEDTHATNOWRITTENINSTRUCTIONSTOTHECONTRARYHAVEBEENRECEIVEDBYUSFROMTHEPRESENTERBEFORETHERELEASEOFTHEDOCUMENTS.ANYSUCHRELEASEPRIORTORECEIPTOFCONTRARYINSTRUCTIONSSHALLNOTCONSTITUTEAFAILUREONOURPARTTOHOLDTHEDOCUMENTSATTHEPRESENTERSRISKANDDISPOSAL,ANDWEWILLHAVENOLIABILITYTOTHEPRESENTERINRESPECTOFA

197、NYSUCHRELEASE.7/20/2024190跟单信用证统一惯例U课件开证行的拒付及拒付后单据的处理开证行的拒付及拒付后单据的处理nThenoticemuststate:ni.thatthebankisrefusingtohonourornegotiate;andnii.eachdiscrepancyinrespectofwhichthebankrefusestohonourornegotiate;andniii.a)thatthebankisholdingthedocumentspendingfurtherinstructionsfromthepresenter;ornb)thatth

198、eissuingbankisholdingthedocumentsuntilitreceivesawaiverfromtheapplicantandagreestoacceptit,orreceivesfurtherinstructionsfromthepresenterpriortoagreeingtoacceptawaiver;ornc)thatthebankisreturningthedocuments;ornd)thatthebankisactinginaccordancewithinstructionspreviouslyreceivedfromthepresenter7/20/20

199、24191跟单信用证统一惯例U课件开证行的拒付及拒付后单据的处理开证行的拒付及拒付后单据的处理nAnominatedbankactingonitsnomination,aconfirmingbank,ifany,ortheissuingbankmay,afterprovidingnoticerequiredbysub-article16(c)(iii)(a)or(b),returnthedocumentstothepresenteratanytime.(Art.16) 7/20/2024192跟单信用证统一惯例U课件对对UCP600UCP600的整体评价的整体评价n优点：优点：n第一次系统地对信用证有关概念进行了定义。n删除了那些表达不确切、内容已过时及与国际贸易实务相脱节的条款。n确立了新的国际结算实务操作标准。n增加了实务操作性条款。n措辞更为简洁、严格、清晰、与时俱进。n缺点：缺点：n没有解决目前实务中遇到的所有问题。nUCP600UCP600与URR525URR525、ISBPISBP、ISP98ISP98、eUCPeUCP并行，操作难度加大。n建议：建议：n做好内部培训和客户培训，保证UCP500到UCP600的顺利过渡。n梳理银行内部现有规章制度和法律文本，进行必要的修订和调整。n对现有国际业务系统进行必要的调整和升级。7/20/2024193跟单信用证统一惯例U课件