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出口业务信用证收汇的关键是必须读懂搞清楚信用证的这些关键条款

时间:2020.07.17信息来源:功夫外贸

信用证付款方式在国际贸易中应为最为广泛,而来自世界各个地区和国家的信用证也是各不相同。

所以,熟悉并了解各种不同类型的信用证是外贸业务员的必修课,对信用证里的各种特殊奇葩条款的透彻了解和掌握是顺利结汇和安全收汇的必要保证。

其实信用证的关键就在于正确理解并实行信用证中的关键条款即如下列条款,猫熊哥列出如下,希翼大家多看多分析反复理解,每次理解都有新的领悟:

注:前面的数字或数字加字母是SWIFT信用证的M700和M701格式的代码,后面红色的括号内文字是猫熊哥给大家说明前面代码所代表的意思。

27(电文页次): 1/1

共一页

40A(跟单信用证类型): irrevocable transferable

不可撤销可转让信用证

20(信用证编号): TER38999999

信用证号:TER38999999

31C(开证日期):151110

2015年11月10日。

40E(适用的规则): UCP latest version

UCP最新版本

31D(有效地点和日期): 160202 the P.R.of China

2016年2月2日在中华人民共和国到期。

50(申请人):Mealinah Textil Gmbh Kagteftswy 3/1 F 5032 Duesseldorf

开证申请人::Mealinah Textil Gmbh Kagteftswy 3/1 F 5032 Duesseldorf

59(受益人): ABC Export + Import Co. Ltd. XXf intel't Centre No.XXX East Huanhai Road,Yantai/the P.R.of China

受益人(出口商):ABC进出口有限企业,中国烟台环海东路 XXX国际中心 XX层。

32B(币种,金额): USD556666

总金额:556666美金

41A(指定的银行及付款方式:注意,这就是限制议付信用证的标志): PCBCCNBJIYTX

by negotiation

PCBCCNBJIYTX:建设银行烟台分行(的SWIFT代码)

议付

43P(分批装运): allowed

允许分批装运

43T(转船):allowed

允许转船

44A(装船,发运和接收监管的地点): the P.R.of China.

中华人民共和国

注:如果信用证规定了装货港及/或卸货港的地理区或范围(如本信用证“中华人民共和国”),则提单必须表明实际的装港及/或卸货港,而且该港口必须位于信用证规定的地理区域或范围之内

比如:可以这么写DALIAN The P.R. of China.

44B(货物发运的最终目的港/地): Hamburg, Frankfurt or Duesseldorf.

汉堡,法兰克福,或杜塞尔多夫。

44D(装运日期): see under field 45A.

参见以下栏45A

45A(货物与服务描述):Girls' sweat pants

女孩运动长裤

+ Delivery terms: CFR Hamburg by sea or CFR Frankfurt or Desseldorf by air.

交货条款:CFR汉堡(海运)或CFR法兰克福 或杜塞尔多夫(空运)

46A(所需单据):1. Signed commercial invoice,6-fold.

商业发票1式6份,并须签署

注:UCPDE600 第17款规定:如果信用证使用诸如“一式两份(in duplicate)" 两份 (in two fold)”, “两套(in two copies)”等用语要求提交多份单据,则提交至少一份正本,其余使用副本即可满足,除非单据本身另有说明。

2. Full set clean on board clean bill of lading or an airway bill, made out to the order of negotiating bank in the P.R.of China and endorsed to the L/C opening bank, notify applicant and marked "freight prepaid"

全套清洁已装船海运提单或空运单,做成“凭中华人民共和国议付行指示 (to the order of negotiating bank in the P.R.of China)” 背书给本信用证的开证行,通知方为申请人,并注明“运费预付”

注:endorsed to the L/C opening bank:是记名背书,背书给本信用证的开证行。

3. Cert. of origin issued by the Chamber of Commerce or other competent authority.

产地证由商会出具或其他主管当局出具。

4.Original export license issued by export promotion bureau, indicating in box 4 relative category No:4.

正本出口许可证由出口促进局签发,并在方框4标注相应的类别:4。

注:export license 商品出口许可证,必须在领取许可证之后方可办理出口。

5. Inspection certificate issued by MEALINAH TEXTIL GMBH and singed by MR.SAFRAE GARA and by MR. B.N.SARDO certifying that the goods are in order and in accordance with the samples approved by applicant.

检验证书由 MEALINAH TEXTIL GMBH 出具并由 SAFRAE GARA 和 . B.N.SARDO 先生签署,证实货物完好并与申请人认可的样品一致。

特别提醒注意:本条款须注意是否含有“软条款”。商品的检验一般来说应该由权威机构进行而非个人,实质上本信用证在取得所述证书之前并未生效,

换一句话说,本信用证只有在取得由上述两个先生签字的并证实合格的检验证书后,你才能议付,这时信用证才是真正有效。

所以,这个信用证就是含有软条款的信用证,如果一切OK,是可以顺利结汇的,

但是,一旦国外市场有波动,客户认为他进口后无利可图,或者进口商破产,那时,上面的两位检验先生可能不出现,或者以各种理由不签署检验证书,你就无法议付了,这时的信用证就是一张废纸。

所以,不是万不得已,不是合作多年的老客户,大客户,千万不要同意这样含有软条款的信用证。

6. Packing list.

装箱单一份。

47A(附加条件): + Any set of documents containing discrepancies and presented to us under this documentary credit, will be charged with a fee of EUR120.00 or equivalent at final payment to cover the extra work involved. This charge is for account of beneficiary and will be deducted from any amounts to be paid.

本信用证项下单证如含有不符点并向我行提示,在最终付款时将被收取120欧元(或等额)以支付相关的费用,本费用由受益人承担并从所付的金额中扣除。

+The bill of lading has to be issued by the actual carrier or by their authorized agent of carrier letterhead and has to bear a complete shipped on board remark, i.e. actual date of lading on board.duly signed.

提单须由实际承运人或附有承运人信头的授权代理人签发,同时须载有完整的“已装船”批注,比如,装船的实际日期,并须签署。

注意:本提单条款含有若干特殊规定,提单须有承运人抬头,提单须签署,同时载有“已装船”批注。

+The airway bill has to be issued by an authorized agent of a forwarder,It has to bear i.e. the place of departure, the place of arrival, the airway bill No. the carrier and flight No., the execution date and a stamp of the forwarder.

空运单须由运输行授权代理人出具,同时须载有,比如,出发地点,到达地点,空运单号,承运人及航班号,签立日期以及运输行的印章。

注意:airway bill 空运单,须注意与提单在功能上的差别,航空货运单是托运人和承运人间订立的运输合同的证明,同时也是货物运输的凭证,它与海运提单不同,不是货物所有权的凭证。

+The negotiating bank has to send all documents to applicant bank by courier service,These documents have to reach applicant bank within 18 days after shipment date.

议付行须通过快件方式向申请人银行寄送全部单证,本单证须在开船日后的18天之内到达申请人银行。

注意:交单的时间限制条款。UCPDC600 第3条规定:使用“在...之后(after)” 用于确定发运日期时不包含提及的日期。本句的意思就是18天不包含提单日期那一天。

注意:另一种47A的例子如下:

47A(附加条款):+ This documentary credit is payable at sight for full invoice value of goods

+本跟单信用证按货物发票全额即期付款。

//Beneficiaries' address details:

受益人详细地址如下:

N0.XX Jing-Si Rd, Suzhou Economical and Technical Development Zone, Suzhou, China.

中国苏州经济技术开发区静思路,XX号。

+ +/-5 percent in amount and quantity acceptable.

+金额和数量的百分之五增减可以接受

+Third party shipper documents acceptable.

+第三方托运人单证可以接受

+Insurance to be covered by ultimate buyer.

+保险由最终买家承保

+All documents must mention FROMACA order(s) No.

+所有单据必须注明FORMACA 订单号码

+Shipment to be effected within the week of the mentioned date under description of goods.

+货物需在商品描述中所述的日期的周内装运

Week to be considered as from Monday to Sunday of that week

“周”即为从那周的周一至周日。

+Applicant

+申请人

This DC issued by order of FORMACA SA SUISSE on behalf and for account of HTMI Sa, Route De lancuro, Ch-1-20 Ecublens, Swizerland, Tel:0041 21 755 1234, Fax:0041 21 755 1235.

本信用证奉FORMACA SA SUISSE之命开立,代表HTMI SA, ROUTE DE LANCURO,1-20 ECUBLENS, SWITZERLAND, 电话0041 21 755 1234, 传真:0041 21 755 1235.

+All documents must be issued in the name of consignee: HTMI SA Route De Lancuro,1-20 Ecublens, Swizerland, Tel:0041 21 755 1234, Fax:0041 21 755 1235.

+所有单证须以收货人的名字出具(抬头人)HTMI SA, ROUTE DE LANCURO,1-20 ECUBLENS, SWITZERLAND, 电话0041 21 755 1234, 传真:0041 21 755 1235.

+In case of non-compliance with shipment schedule, a penalty will be deducted from the beneficiary's payment without the prior authorization or approval of the beneficiary or the negotiation bank:

+如果与装运进度不相符合,我行在没有征得受益人或者议付行事先授权或同意的情况下,将从受益人的付款中扣除罚金:

Lateness of delivery is subject to delay penalty calculated in calendar days, It is the difference between the date indicated on the purchase order form or its amendments (show as "delivery latest date" in the current documentary credit) and the actual date observed at the time of delivery (transport document):

迟交付的延迟罚金将按日历日计算。迟交付即为两者天数之差;购买合同或其修改合同上所指定日期(本跟单信用证显示为“最迟交货期”)和交货时(运输单证上)实际日期:

(1)1 to 7 calendar days incl.,3 percent of the total invoice will be deducted,

1至7个日历日(包括7天),扣减发票总金额的3%

(2) 8 to 14 calendar days incl.,6 percent f the total invoice will be deducted,

8至14个日历日(包括14天),扣减发票总金额的6%

(3)15 to 21 calendar days incl.,9 percent of the total invoie will be deducted.

15至21个日历日(包括21天),扣减发票总金额的9%。

(4)Starting from 22 calendar days incl. 9 percent of total upward of delay an additional of 1 percent of total invoice amount for each period of 2 days started will be deducted.

从22个日历日(包括22),延迟额超过发票金额的9%以上,每间隔2天将扣减发票发票总金额的1%

+Shipment to Swizerland Via Antwerp, Belgium or Rotterdam, Neherlands is acceptable.

+经由比利时安特卫普或贺兰鹿特丹运至瑞士可以接受。

71B(费用情况): All commissions, charges and interest outside Germany are for beneficiary's account.

德国境外的一切佣金,杂费以及利息均由受益人承担。

48(交单期限): 12 days after date of shipment but wihin the validity of this credit.

装船日后的12天,但须在本信用证有效期内。

49(保兑指示 Confirmation Instruction):without.

无保兑

78(对付款/承兑/议付银行的指示):On receipt of full set of documents in compliance with the terms and conditions of this credit we shall remit the proceeds as requested by you.

一收到与本信用证条款相符的全套单证,我行将根据你方请求向你方汇款。

Please forward documents to Commerzbank Ag, Filiale Duesseldort, Breite Str,25, 5033 Dessekdorf by courier service in one lot quoting our credit num.TER38999999

请通过快件方式一次性地将单证寄送到:Commerzbank Ag, Filiale Duesseldort, Breite Str,25, 5033 Dessekdorf,同时须注明我信用证号码TER38999999

   
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