什么是假遠(yuǎn)期信用證以及該類信用證的特點利弊以及是否可轉(zhuǎn)讓

這類信用證你需要真正掌握才能當(dāng)你遇到時不至于不知所措而丟了客戶，因為有些客戶在談?wù)摳犊顥l款時，會提出這種信用證付款，如果你不清楚你會因此丟了客戶，或者盲目答應(yīng)為以后的業(yè)務(wù)操作代理麻煩，所以你要了解這種信用證-假遠(yuǎn)期信用證：

假遠(yuǎn)期信用證（Usance Letter of Credit Payable at sight），又稱作 “買方遠(yuǎn)期信用證”。

是指買賣雙方在簽合同時規(guī)定，由進口商負(fù)擔(dān)貼現(xiàn)利息和手續(xù)費，出口商（受益人）能即期收到全部貨款的一種信用證。

假遠(yuǎn)期信用證的特點是，匯票為遠(yuǎn)期，卻按即期付款；付款銀行同意即期付款，貼現(xiàn)費用由進口商承擔(dān)。

換言之，出口商開立遠(yuǎn)期匯票，但信用證明文規(guī)定按即期收匯。

假遠(yuǎn)期信用證實質(zhì)是開證行或付款行對進口商提供了融通資金的便利，一般來說所需支付的利息由進口商承擔(dān)。

1.證內(nèi)規(guī)定遠(yuǎn)期匯票即期付款，同時表明貼現(xiàn)費用等其他費用由誰負(fù)擔(dān)。

Usance draft to be negotiated at sight basis, interest is for buyer's account.

（遠(yuǎn)期匯票即期議付，利息由買方承擔(dān)）（這是買方承擔(dān)）

Drawee bank's discount and/or interest charges and acceptance commission are for the account of applicant and therefore the beneficiaries to receive value for the term drafts as if drawn at sight.

（付款行的貼現(xiàn)利息和/或利息和承兌費均由開證申請人承擔(dān)，受益人可即期收匯）（這是開證申請人承擔(dān)）

Usance Draft to be negotiated at sight basis and discounted by us (Issuing Bank) discount charges and acceptance commission are for importer's account.

（遠(yuǎn)期匯票即期議付，由本行（開證行）貼現(xiàn)，貼現(xiàn)費及承兌費由進口商承擔(dān)）（進口商承擔(dān)）

2. 證內(nèi)僅規(guī)定遠(yuǎn)期匯票即期付款，而未規(guī)定貼現(xiàn)費由誰承擔(dān)，另外，假遠(yuǎn)期信用證在證內(nèi)多有“即期議付”字樣。如：

Usance draft will be negotiated at sight basis.

（遠(yuǎn)期匯票可即期議付）

Usance drafts drawn under this credit are to be neogtiated at sight basis.

（本信用證項下所開具的遠(yuǎn)期匯票可即期議付）

假遠(yuǎn)期信用證實例

注：前面的數(shù)字或數(shù)字加字母是SWIFT信用證的M700和M701格式的代碼，后面紅色的括號內(nèi)文字是貓熊哥給大家解釋前面代碼所代表的意思。

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40A（跟單信用證類型）: irrevocable.

不可撤銷信用證

20（信用證編號）: FD32231

信用證號 FD32231

31C（開證日期）:160117

2016年1月17日

40E（適用的規(guī)則）: UCPURR latest version

UCPURR最新版本

31D（有效地點和日期）: 160217 at the negotiation bank

在議付行有效期至2016年2月17日

50（申請人）: Andeamy Co., Ltd, Hee Soong Bldg 12-21, Samsung-Dong, Kangnam-Gu, Soul, Korea.

韓國首爾ANDEAMY 有限公，（Hee Soong Bldg 12-21, Samsung-Dong, Kangnam-Gu,）

59（受益人）:WXP Import And Export Co., Ltd. Room xxx Fortune BuIlding, No.198 Taihu Road WUXI Jiangshu, China.

WXP進出口有時公司，（中國江蘇無錫太湖路198號財富大廈XXX號房）

32B（幣種，金額）: USD28520

28520美金

39A（信用證金額允許上下浮動最大范圍）: 05/05

上下5%

41D（指定的銀行及兌付方式）:any bank

by negotiation

任何銀行 議付

42C（匯票付款日期）:at 120 days

after sight.

見票120天

注：UCPDC600 規(guī)定：“在....之后（after）等詞用于確定發(fā)運日期時則不包含提及的日期。”

本匯票的到期付款時間也可參照。就是說，見票日期（見票那天不算在內(nèi)）之后120天。

42A（匯票付款人）: KOEXSGSGXXX

付款人銀行SWIFT代碼：KOEXSGSGXXX

43P（分批裝運）:allowed

允許分批

43T(轉(zhuǎn)船):prohibited

禁止轉(zhuǎn)船

44E(裝運港):Chinese port.

中國港口

44F(卸貨港):S.Korean port.

韓國港口（南韓港口）

44C(最遲裝船日): 160207

最晚裝船日期2016年2月7日

45A（貨物與服務(wù)描述）:man's denim pants

男士牛仔褲

TP9-7234 500PCS at USD9.10/PC USD4550.00

TP9-7233 800PCS at USD9.10/PC USD7280.00

TP-7222 700PCS at USD9.60/PC USD6720.00

TP9-7234 500件 9.10美元/件 4550.00美元

TP9-7233 800件 9.10美元/件 7280.00美元

TP-7222 700件 9.60美元/件 6720.00美元

Ladies' denim pants

女士牛仔褲

TP9-7256 500 PCS USD6.10/PC USD3050.00

TP-7254 800 PCS USD8.65/PC USD6920.00

TP9-7256 500 件 6.10美元/件 3050.00美元

TP-7254 800 件 8.65美元/件 6920.00美元

Total 3300 PCS USD28520.00

FOB China.

合計：3300件，28520.00美元，

裝運港船上交貨價（FOB）中國。

46A（所需單據(jù)）: + Full set of clean on board ocean bills of lading made out to the order of the Kyongnam Bank marked "freight collect" and "notify accountee".

全套清潔已裝船海運提單，做成“憑Kyongnam Bank指示：（ to the order of the Kyongnam Bank）”注明“運費到付”，通知方為申請人。

+Signed commercial invoice in three fold.

商業(yè)發(fā)票一式三份并須簽署

注：in three fold 一式三份：通常保含一份正本。

+Packing list in three fold.

裝箱單一式三份。

47A（附加條件）: +All drafts must be marked " drawn under documentary credit No. FD32231 dated 20160117 of KYONGNAM BANK" and the documents must also indicate the number of this credit.

所有匯票上須注明“根據(jù)KYONGNAM BANK 銀行2016年1月17日所開出的跟單信用證FD32231出具”。同時，單證上也需要標(biāo)識本信用證的號碼。

+05PCT more or less in both Q'ty and Amt acceptable.

數(shù)量和金額允許有5%的增減。

+Forwarder bill of lading is acceptable.

運輸行提單可以接受

+Third party's documents are acceptable.

第三方單證可以接受

注：Third party's documents：第三方單證，一般來說多在可轉(zhuǎn)讓信用證方式下使用。信用證是否接受第三方單證依據(jù)信用證條款規(guī)定辦理。

+T/T Reim claim prohibited.

電匯索償不允許

Instruction to the negotiating bank:

對議付行的指示：

+Upon receipt of beneficiary's drafts and shipping documents for engotiations, PLS present the draft to Korea Exchange Bank, Singapore accompanying with your certificate stating that all terms and conditions of the credit have been complied with and all documents negotiated have been send to us as specified in this credit.

一收到受益人的匯票及議付的運輸單證，請向韓國外匯銀行新加坡分行提示匯票，隨附你方聲明，說明信用證條款相符，同時，議付的單證已按照本信用證的規(guī)定寄送我行。

+Because acceptance commission and discount charge are for account of buyer, you may negotiated at sight basis.

由于承兌傭金與貼現(xiàn)費用均由買方承擔(dān)，因此，你方可以即期議付。（此條款就是假遠(yuǎn)期信用證的明顯標(biāo)記）

+When effecting claim, you must give commodity, ports of shipment and destinations, and bill of lading date to Korea Exchange Bank, Singapore.

在償付的時候，你方須將產(chǎn)品，裝運港和目的港以及提單日期告知韓國外匯銀行新加坡分行。

71B（費用情況）: +All banking charges including reimbursement charges and postage, outside Korea except acceptance comms and discount chgs are account of the beneficiary.

韓國境外的一切銀行費用包括索償費用和郵資均由受益人承擔(dān)，但承兌傭金和貼現(xiàn)費用除外。

48（交單期限）:Document must be presented within 010days after the date of shipment of B/L but within L/C expiry.

單證須在提單日期后的10天之內(nèi)提示，但應(yīng)在本信用證有效期內(nèi)。

49（保兌指示 Confirmation Instruction）: without

無保兌

78（對付款/承兌/議付銀行的指示）:+All documents should be forwarded to Kyongnam Bank, Kangnam Br.947-7, Samtan Bldg,2/F Daechi-Dong, Kangnam-Gu Seoul 135-280 Korea in one lot by air-courier.

所有單證應(yīng)通過航空快件方式一次性寄送如下地址：Kyongnam Bank, Kangnam Br.947-7, Samtan Bldg,2/F Daechi-Dong, Kangnam-Gu Seoul 135-280 Korea

+ The amount and date of each negotiation must be endorsed on the back hereof.

每次議付的金額及日期須在本信用證的背面簽注。

+Discrepancy fee of USD60 or equivalent will be deducted from the proceeds at payment if any discrepant documents are presented.

如果提示含有不符點單證，付款時將從中扣除60美元不符點費（或等額）

72（銀行間的備注）:+Subejct to UCP2007 revision I.C.C. Publication No.600 and ICC URR Publication No.525.

受《跟單信用證統(tǒng)一慣例》（2007版）國際商會600出版物和國際商會《銀行間償付規(guī)則》525出版物的約束

信用證內(nèi)有關(guān)條款的經(jīng)典表達用語小貼士：

1.packing list in 4-fold evidencing: cartons bearing shipping marks and applicant's item numbers as per L/C

裝箱單4份，明白顯示：紙箱上按照信用證標(biāo)明嘜頭和開證申請人的商品號碼。

2. loading manifest per container stating container number, item number per container and cartons per item.

集裝箱的裝貨清單一份，說明集裝箱號碼，每個集裝箱的商品編號以及每件商品的紙箱數(shù)。

3.certificate of China origin GSP Form A issued by entry-exit inspection and quarantine bureau of the P.R.of China.

中國原產(chǎn)地證書，普惠制格式A，由中華人民共和國出入境檢驗檢疫局出具。

4.beneficiaries' declaration stating copy invoice and a copy B/L have been sent direct to applicant by fax or mail within 5 days after B/L date.

受益人聲明一份，說明副本發(fā)票和副本提單各一份在提單日后的5天之內(nèi)已經(jīng)通過傳真或信函的方式直接傳送申請人。

5.written confirmation of supplier on supplier's paper and legally signed stating the following:

供應(yīng)商使用其信簽做出如下書面保證并由其簽署：

6.copy of fax dated prior to B/L date on applicants own leterheaded paper evidencing the article numbers and confirming that applicant approved samples.

傳真件一份，日期注明的時間應(yīng)早于提單日期，同時需使用申請人自身信頭的信函，證明商品號碼，并確認(rèn)申請人已認(rèn)可本樣品。

7.beneficiaries' declaration stating that the container are free of gas from fumigation.

受益人聲明一份，說明集裝箱沒有熏蒸留下的氣味。

8.drafts to be marked:"drawn under L/C number (as indicated above) of issuing bank"

匯票上須注明“依開證行所開信用證（號碼）出具（如上所示）”

9.transport-documents to indicate as place of delivery Amsterdam.

運輸單證上表明交貨地點為：阿姆斯特丹。

10.copy of fax or E-mail dated prior to B/L date on applicants own letterhead paper, legally signed, stating that XXX(applicant' company name) confirming the LCLshipment.

傳真或電子郵件一份，日期簽署的時間應(yīng)早于提單日期，同時須使用含有申請人自身信頭的信函，依法簽署，說明 XXX 公司（開證申請人的公司名）已經(jīng)確認(rèn)拼箱裝運。

（注意：這是信用證下的軟條，如果進口人不出具這個給出口商，就沒法發(fā)運結(jié)匯，盡可能不接受這樣的信用證條款）

11.5 percent more or less in goods quantity acceptable.

商品的數(shù)量允許有5%的增減。

12.documents to be forwarded in one set by courier service to:issuing bank ,documentary trade department, XXX。

單證須通過快遞的方式一次性寄送：開證行單證部 XXX（開證的名稱和地址）

13.payment instructions are to be incorporated in the nominated bank's remittance letter addressed to us, any (additional) instructions from others parties will be igmored.

付款指示須寫入致我行的匯款書上。其他方的（附加）指示可不予理會。

14.refused documents, if any, held at the presenter's disposal may be taken up and honored by the issuing bank at any time and will not be returned to the presenter unless presenter advise us to the contrary within 24 hours after our having sent the relative advice of refusal.

拒付單證（如果有）留置待交單人處理，但我開證行可隨時接受并給予兌付，單證將不予以退回交單人，除非交單人在我行發(fā)出相關(guān)拒付通知后24小時內(nèi)做出相反的告知。

15.we guanrantee that the products and packing in shipment (invoice number and B/L number) are free of any copy or paten rights whatsoever, in case of a claim against XXX, one of its subsidiaries or one of its customers because of violation of copy or paten rights of products and packing supplied by us, we on first request will indemnify XXX. and keep them harmless.

我方保證：載運的產(chǎn)品及包裝（發(fā)票號和提單號）沒有任何仿制或侵犯專利權(quán)。就產(chǎn)品及所供包裝而言，如果由于我方違反仿制或?qū)＠騒XX公司，或其子公司，或其客戶提出索賠，我方將根據(jù)請求賠償XXX公司的損失，不使其受損害。