信用证是国际商业交易中常用的一种支付方式,它涉及多个参与方,包括买方、卖方以及银行等。本文将对信用证的基本条款进行中英对照,帮助大家更好地理解和使用信用证。

1. 信用证的当事人

Applicant 开户申请人（买方）

Issuing Bank 开证行

Advising Bank 通知行

Beneficiary 受益人（卖方）

Negotiation Bank 议付行

Paying Bank 付款行

Confirming Bank 保兑行

其中,快捷键【50】代表买方,【59】代表卖方,【42D】代表付款行。

2. 信用证的性质、种类

信用证的性质一般为IRREVOCABLE,即不可撤销。快捷键【40A】。

3. 信用证开证号码、开证日期与地点

开证号码 Letter of Credit Number

开证日期 Date of Issue

开证日期快捷键【31C】

开证号码快捷键【20】

4. 信用证的有效期和到期地点

Date and Place of Expiry

快捷键【31D】

5. 金额

Currency Code, Amount

快捷键【32B】

6. 汇票条款

① 承兑方式 Available with...by... 条件

ANYvBANK BY NEGOTIATION无追索权,ANY BANK BY PAYMENT有追索权

快捷键【41D】

② 出票条件 Drafts at...

快捷键【42C】

DRAFT DRAWN UNDER THIS CREDIT MUST BE ENDORSED AND CONTAIN THE CLAUSE,DRAWN UNDER INDUSTRIAL BANK OF KOREA,SEOUL,LETTER OF CREDIT NO........

7. 装运条款

【43P】分批装运,【43T】转运,【44A】起运港,【44B】目的港,【44C】最迟装运期

8. 货物描述

Description of Goods or Services

快捷键【45A】

一般包括贸易方式,如FOB、CFR、CIF等

9. 单据条款

票据要求,快捷键【46A】

1). BENEFICIARY'S SIGNED COMMERCIAL INVOICE IN OCTUPLICATE CERTIFYING MERCHANDISE TO BE OF CHINA ORIGIN.

2). FULL SET OF CLEAN SHIPPED ON BOARD OCEAN BILL OF LADING/AWB MANUALLY INK SIGNED...

3). FOUR COPIES OF DETAILED PACKING LIST.

4). TWO COPIES OF CERTIFICATE OF ORIGIN...

5). BENEFICIARY'S CERTIFICATE THAT A FULL SET OF NON-NEGOTIABLE DOCUMENTS...

6). BENEFICIARY MUST FAX ADVISE TO OPENING BANK DETAILS OF SHIPMENT...

附加条款,快捷键【47A】

10. 佣金与折扣条款

1) CHARTER PARTY B/L AND THIRD PARTY DOCUMENTS ARE ACCEPTABLE

2) SHIPMENT PRIOR TO L/C ISSUING DATE IS ACCEPTABLE

3) 5 PCT MORE OR LESS IN QUANTITY AND AMOUNT ARE ACCEPTABLE

11. 银行费用条款

快捷键【71B】

ALL BANKING COMMISSIONS AND SHARGES OUTSIDE KOREA,PLUS REIMBURSING CHARGES,ARE FOR ACCOUNT OF BENEFICIARY

12. 开证行的保证付款条例

【48】--PERIOD OF PRESENTATION 提示期限

21 DAY'S FROM THE DATE OF SHIPMENT

【49】--保兑提示

CONFIRMATION--WITHOUT

【78】--对议付行的指示

UPON RECEIPT OF CREDIT COMPLYING DOCUMENTS AT OUR COUNTERS WE WILL REMIT PROCEEDS AT SIGHT IN ACCORDANCE WITH YOUR INSTRUCTION IN YOUR FORWARDING SCHEDULE.

WACHOVIA BANK HOLDS SPECIAL INSTRUCTIONS REGARDING DOCUMENT DISPOSAL AND REIMBURSEMENT OF THIS LETTER OF CREDIT.

信用证在FOB, CIF付款条件下的流程如下:

1.开证行开证

2.通知行通知受益人

3.受益人审证,开始安排生产

4.联系货代或者船公司出货

5.准备单据,去银行议付

6.议付行审核单据无误后,付款