Chapter Six Letter of Credit 信用证 国际结算 教学课件.ppt

Letter of Credit信用证  a letter of credit In simple terms,a letter of credit is a conditional bank undertaking of payment. 6.1.2 Characteristics 特点 1)当单证相符时，独立履行付款承诺，不受当事人干扰 2）信用证是独立文件，与销售合同分离2.A letter of credit stands independent of the sales contract. 3）银行处理的是单据，而不是货物，单据与货物分离。 3.In Credit operations all parties deal with documents, and not with goods, services or other performances to which the documents may relate. 4）凭表面相符的单据付款 5）对第三方的行为不负责（如票据是否遗失，货物是否中途损失） 6.1.3 Parties involved 当事人 Applicant/ importer/ the buyer 开证申请人 Fills out and signs an application form, requesting the banks to issue a credit in favor of an exporter or seller aboard. 问题1 进口商是否有权拒绝赎取不合格单据？ 问题2 进口商在赎单提货之后，如发现货物规格，质量，数量等与单据不符，是否有权向开证行追究责任和索还货款？ 2.Issuing/ opening bank/ the buyer’s bank 开证行 1) issues a letter of credit 2)undertakes full responsibility for payment against proper documents presented by the beneficiary. 问题1 开证行凭单付款后，进口商无力付款，此时，开证行向议付行追索票款，合理么？ 问题2 开证行履行付款责任后，如进口商无力付款赎单，开证行是否有权处理单据和货物？ 3.Advising bank:通知行 1）Receive the L/C 2） Informing the beneficiary to make preparation for shipping the goods and drafting the documents. 4.Beneficiary/ exporter/the seller受益人 In whose favor the credit is issued L/C benefits the exporter by its assurance of payment to him. 5.Confirming bank: 保兑行 Add its undertaking to those of the issuing bank and assumes liability under the credit. 是第三家银行应开证行得要求在不可撤销的信用证上加上保兑， 对所保兑的信用证项下汇票和单据承担不可撤销的付款责任。 6.Negotiating bank: 议付行 Purchases the documents under the credit Sent the drafts and documents to the issuing bank for reimbursement. 议付行对信用证下汇票议付后，即成为该汇票的正当持票人。因此，不论开证行因何种原因不付款或倒闭时，议付行都有权向受益人追索。 7.Paying bank/drawee bank 付款行 Authorized by the issuing bank to pay the beneficiary according to the terms and conditions of the credit. 开证行在信用证中规定的汇票付款人 8.Accepting bank: 承兑行 The bank accepting the drafts under the credit. 对受益人签发的远期汇票予以承兑，并到期付款的银行。 6.2.4Types of letter