1、1交通银行UCP600培训2022年6月3日南宁2修改背景 The UCP gets revised about every 10 years to incorporate changes in practice High discrepancy rate High level of inquiries pertaining to 7 articles: Article 9、13、14、21、23、37、48 Law suitsNew disclaimers emerging in bills of lading3修改历程自1933年问世后的第六次修订版 UCPUCP问世问世 19331933
2、年国际商会第年国际商会第8282号出版物号出版物 1951 1951 进行第一次修订，出版号为：进行第一次修订，出版号为： NO.151NO.151（1818年）年） 1964 1964 进行第二次修订，出版号为：进行第二次修订，出版号为： NO.222NO.222（1313年）年） 1974 1974 进行第三次修订，出版号为：进行第三次修订，出版号为： NO.290NO.290（1010年年） 1983 1983 进行第四次修订，出版号为：进行第四次修订，出版号为： NO.400NO.400（9 9年）年） 1993 1993 进行第五次修订，出版号为：进行第五次修订，出版号为： NO.5
3、00NO.500（1010年）年） 2003 2003 着手第六次修订，期间（着手第六次修订，期间（1010年）年）4修改历程自1933年问世后的第六次修订版 20032003年年5 5月，月，ICCICC正式授权正式授权ICCICC银行委员会启动银行委员会启动UCP500UCP500修订工作修订工作修订工作的三层组织架构：修订工作的三层组织架构： 15 drafts15 drafts；5000 comments5000 comments； 7 reviews by the full ICC 7 reviews by the full ICC Banking CommissionBanking
4、 Commission the ICC Banking Commission meeting the ICC Banking Commission meeting on Octoberon October 25, 2006 25, 2006 The drafting Group The drafting Group （起草小组）（起草小组）共共1010位成员，其中位成员，其中8 8位来自欧洲，其余两位分别来自美国和新加坡位来自欧洲，其余两位分别来自美国和新加坡小组主席：小组主席：Gary Collyer-ABN AMRO Bank N.V., London, EnglandGary Colly
5、er-ABN AMRO Bank N.V., London, England The Consulting Group The Consulting Group （咨询小组）（咨询小组）小组由来自小组由来自2626个国家的个国家的4040余位专业人士组成余位专业人士组成小组成员来自银行、运输及物流、保险等不同行业小组成员来自银行、运输及物流、保险等不同行业 ICC national committees ICC national committees （国家委员会）（国家委员会）5结构上的变化 增加了新的概念 重大的条款改变删除了部分内容62)Agreed that the issuing b
6、ank must reimburse the nominated bank even though the documents are lost in the transmitting however, the presentation must be complying. 1) Given 14 definitions at first and 12 interpretations to clarify the meaning of ambiguous terms, refer to Art 2 & 3. And we need pay attention to the change abo
7、ut negotiation.3) Denied the practice that banks stipulate the clause about which the amendment should be accepted by beneficiary who did not send any rejected advice in certain time, refer to sub-article 10 f.4) Five banking days replaced reasonable time and seven banking days, refer to sub-article
8、 14 b.5) Two kinds of form about refusing have been added in UCP600, refer to sub-article 16 c iii. 77) The insurance document could be issued by proxies, refer sub-article 28 a. 6) Banks can now accept an insurance document that contains reference to any exclusion clause, refer to sub-article 28 i.
9、8) The clause for transport documents issued by Freight Forwarders has been deleted.9) The clause about carrying vessel propelled by sail only has been deleted since that kind of sailboat has dropped out of ocean transport.10) The expression is straightaway, precise and compact, for example, the wor
10、ding for unless the credit expressly stipulates is not used in UCP600.8 12) Canceled the blocking frame about the form of clauses. 11) Transpot docs: masters name, issuance by charterer, refer to article 19-23. 13)The number of the clauses has decreased to 39 from original 49.14) Financing under def
11、erred payment credit and acceptance credits, refer to article 12 b.15) Added the acts of terrorism as a kind of Force Majeure, refer to Art 36.16) Confirmed that the issuing bank may be a transferring bank, refer to sub-article 38 b.9 when the text of the credit expressly indicates that it is subjec
12、t to ucp600. Does UCP600 apply to standby LCs?Since 11/18/2006,MT700s have been no longer automatically subject to ucp latest edition. including, to the extent to which they may be applicable, any standby LCs . 10New mandatory field (40E) in MT700 for applicable rules as follows: EUCP LATEST VERSION
13、 ISP LATEST VERSION UCP LATEST VERSIONEUCPURR LATEST VERSION OTHER UCPURR LATEST VERSION11 Banking Day-means a day on which a bank is regularly open at the place at which an act subject to these rules is to be performed. 案例案例1：交行纽约分行开立信用证，：交行纽约分行开立信用证，案例案例2：上述信用证，受益人：上述信用证，受益人200年月日年月日24：00前向交行上前向交行
14、上海分行交单，是否可以？海分行交单，是否可以？ 案例案例3：交行南宁分行开立的信用证，：交行南宁分行开立的信用证，2007年年8月月1日收到日收到单据，有不符点，南宁分行可以发送单据，有不符点，南宁分行可以发送MT734的最晚日期？的最晚日期？（适用于（适用于UCP600，4、5日为周六、日）日为周六、日） 12 Complying presentationmeans a presentation that is in accordance with the terms and conditions of the credit, the applicable provisions of the
15、se rules and international standard banking practice. 相符提示/交单的三要素： 1）与信用证条款一致 2）与UCP600条款一致 3）与国际标准银行实务一致13 Honour-means: 1)to pay at sight if the credit is available by sight payment. 2)to incur a deferred payment undertaking and pay at maturity if the credit is available by deferred payment. 3)to
16、accept a bill of exchange (“draft”) drawn by the beneficiary and pay at maturity if the credit is available by acceptance. 14 Negotiation-means: 1)purchase of drafts (drawn on a bank other than the nominated bank) by the nominated bank ;or 2)purchase of shipping docs. purchase-means: 1)The nominated
17、 bank advances funds to the beneficiary,or 2) The nominated bank agrees to advance funds to the beneficiary (at a later date).15 Nominated bank -means the bank with which the credit is available or any bank in the case of a credit available with any bank. 哪些银行是Nominated bank? 1) issuing bank 2) payi
18、ng bank 3) accepting bank 4) advising bank 5) confirming bank 6) negotiating bank 7) deferred payment undertaking bank 8) transferring bank 16 Presentation -means: 1)行为：the delivery of documents under a credit to the issuing bank or nominated bank ,or 2)单据：the documents so delivered 17Presenter -mea
19、ns: 1)the beneficiary that makes the presentation, 2)any bank that makes the presentation,or 3)other party that makes the presentation18 If an LC does not indicate whether it is irrevocable or revocable, what should we do? 不可撤销。 How can a document be signed? 1)handwriting 2)facsimile signature 3)per
20、forated signature 4)stamp 5)symbol 6)any other mechanical method of authentication,or 7)any other electronic method of authentication 19 案例：南宁分行开立的信用证，46A单据要求为：certified commercial invoice。受益人提交一份 signed invoice，但没有其它注明。问是否构成不符？ 不是不符点。any signature, mark, stamp or label on the document which appears
21、 to satisfy that requirement. 20 案例：南宁分行开立的信用证，46A单据要求为：official 。问是否构成不符？ 不是不符点。 to allow any issuer except the beneficiary to issue that document . 21 案例：信用证要求为：.如何理解？ 不予理会。 words such as prompt, immediately or as soon as possible will be disregarded. . 22 案例：信用证要求为：.”如何处理？ “immediately”需要出现在单据Ben
22、eficiary certificate. 23 “on or about JULY 10”指哪几天？ 1）JULY 6-15 2) JULY 6-14 3) JULY 5-14 4) JULY 5-1524 信用证规定：shipment to be made before JUL/9/2007（Monday）.问最迟装运日期是哪一天？ JULY 8，2007 信用证规定：shipment to be made after JUL/9/2007.问最早装运日期是哪一天？ JULY 10，200725 信用证规定：shipment to be made until JUL/9/2007（Mond
23、ay）.问最迟装运日期是哪一天？ JULY 9，2007 信用证规定：shipment to be made from JUL/9/2007.问最早装运日期是哪一天？ JULY 9，200726 信用证规定：shipment to be made between JUL/1/2007 and JUL/9/2007.问最早和最迟装运日期是哪一天？ JULY 1，2007 和JUL 9，2007 汇票：drawn at 30 days after B/L date(B/L date= JUL/9/2007).问到期日是哪一天？ AUG. 8，2007汇票：drawn at 30 days from
24、 B/L date(B/L date= JUL/9/2007).问到期日是哪一天？ AUG. 8，2007271.A credit by its nature is a separate transaction from the sale or other contract. Although an LC may mention a certain sale contract, banks are not concerned with or bound by such contract. 2.the undertaking of a bank to honour, to negotiate i
25、s not subject to claims or defences by the applicant resulting from its relationships with the issuing bank or the beneficiary.28 案例：南宁分行在对外进行开证时，收取申请人A开证费问：受益人是否可以要求我行按照向申请人A收取开证费的标准向其收取费用？3. A beneficiary can in no case avail itself of the contractual relationships existing between banks or betwee
26、n the applicant and the issuing bank. 29 案例：为保险起见，开证申请人在开证申请书中附上了合同，作为开证申请书的一部分。问：申请人这种做法是否妥当？开证行应如何处理？ 1）prohibit. 2) include it as an integral part of the credit. 3) discourage. 4) disregard. 4b. An issuing bank should discourage any attempt by the applicant to include, as an integral part of the
27、credit, copies of the underlying contract, proforma invoice and the like. 30 案例：南宁分行收到单据后，经审核单证相符，通知开证申请人问：南宁分行是否应该退款？ 5. Banks deal with documents and not with goods, services or performance to which the documents may relate. 31 案例：南宁分行对外开立了一份信用证，规定：This credit is available with BOCOMM H.K. BRANCH.
28、问：哪家银行是兑用银行? a. A credit must state the bank with which it is available or whether it is available with any bank. A credit available with a nominated bank is also available with the issuing bank. 1） BOCOMM H.K. BRANCH 2）NANNING BRANCH32 b. A credit must state whether it is available by: 1）sight paym
29、ent 2）deferred payment 3) acceptance or 4) negotiation. 33 Drafts on the applicant: 1）Credits should not be issued requiring that drafts be drawn on the applicant. 2）Credits must not be issued available by a draft drawn on the applicant. c. A credit must not be issued available by a draft drawn on t
30、he applicant. Credits may be issued requiring a draft drawn on the applicant, but must not be issued available by drafts drawn on the applicant. (ISBP-UCP600 P54)34 南宁分行开立了一份信用证，规定：the expiry date for payment on 问：受益人是否晚交单？付款行是否迟付款？ 不是。 d. i. An expiry date for honour or negotiation an expiry date f
31、or presentation. 35 案例：南宁分行对外开立了一份信用证，规定：This credit is available with BOCOMM H.K. BRANCH.问：where is the place for presentation? 6dii. The place of the bank with which the credit is available is the place for presentation. The place for presentation under a credit available with any bank is that of
32、any bank. A place for presentation other than that of the issuing bank is in addition to the place of the issuing bank. 1） HONG KONG 2） QING DAO36 两个条件构成开证行的承付（honour）责任： 1） the documents are presented to the nominated bank or to the issuing bank; 2） a complying presentation 案例：南宁分行开立的信用证，单证相符，但指定行拒
33、绝议付，问：南宁分行应如何处理？ NANNING BR. must honour.7a if the credit is available by: i. sight payment, deferred payment or acceptance with the issuing bank; 37 信用证何时生效？ b. An issuing bank is irrevocably bound to honour as of the time it issues the credit. 1） .38 两个条件构成开证行偿付（reimburse）指定行责任： 开证行偿付指定行的责任独立于开证行对
34、受益人的责任： An issuing banks undertaking to reimburse a nominated bank is independent of the issuing banks undertaking to the beneficiary. 1） a nominated bank has honoured or negotiated a complying presentation, and 2） forwarded the documents to the issuing bank. 39 案例：.问：开证行是否可以拒付？ Reimbursement for th
35、e amount of a complying presentation under a credit available by acceptance or deferred payment is due at maturity, whether or not the nominated bank prepaid or purchased before maturity. 开证行不能拒付。40 两个条件构成保兑行的承付/议付（honour/negotiate）责任： 即使1）其他指定行拒绝承担责任； 2）开证行破产 保兑行也必须承付或议付。 1） the documents are prese
36、nted to the confirming bank or to any other nominated bank 2） a complying presentation 8aii. (the confirming bank must) negotiate, without recourse, if the credit is available by negotiation with the confirming bank.41 何时起保兑行承担承付/议付的责任？ 8b. A confirming bank is irrevocably bound to honour or negotia
37、te as of the time it adds its confirmation to the credit. 自对信用证加具保兑之时起42 If the issuing bank request a advising bank to confirm a credit but the advising bank is not prepared to do so. 1)What must the advising bank do? 2)What can the advising bank do? 8d. it must inform the issuing bank without dela
38、y and may advise the credit without confirmation. 43 某开证行通知完信用证后，是否对于相符交单也承担承付/议付责任？ 9a. An advising bank that is not a confirming bank advises the credit and any amendment without any undertaking to honour or negotiate. . 44 通知行的责任是什么？ 9b. the advising bank signifies 1) that it has satisfied itself
39、 as to the apparent authenticity of the credit or amendment and 2)that the advice accurately reflects the terms and conditions of the credit or amendment received. 45 如一银行被要求通知某信用证，该银行能拒绝通知吗？ 可以拒绝通知。. 然后，该银行应如何处理？ it must so inform, without delay, the issuing bank or the first advising bank.46 如.如何处
40、理？ it must so inform, without delay, the bank from which the instructions appear to have been received. 然后，该银行应如何处理？47 信用证修改或撤销须经哪些人同意？ 1) the advising bank 2) the applicant 3) the beneficiary 4) the issuing bank 5) the confiming bank(if any) 48 信用证修改书何时生效？ b. An issuing bank is irrevocably bound by
41、 an amendment as of the time it issues the amendment. 若保兑行不同意对修改书加保，它应如何处理？ 1）it must inform the issuing bank without delay and 2）inform the beneficiary in its advice. 49 何时信用证被有效修改？ It is when the beneficiary communicates its acceptance of the amendment to the advising bank. 收到信用证修改书后，受益人应如何处理？ The
42、 beneficiary should give notification of acceptance or rejection of an amendment. 50 If the beneficiary fails to give such notification？ 拒绝 接受不明不明51 案例：某MT707主要内容有两项： 1）信用证增额USD1000.00 2）开证行以外的费用改由受益人承担。 受益人收到该MT707后，告知通知行其只接受增额修改，不接受费用承担。 问：该MT707结果如何？ It means that the beneficiary has rejected the
43、 whole amendment.52 案例：某MT707规定：This amendment shall enter into force unless rejected by the beneficiary within 5 banking days after the issuance date of this amendment. 5个银行工作日后没有收到任何通知，该MT707自动生效？ This clause shall be disregarded. 53 案例：某通知行收到一份已证实表面真实性的MT700后，又收到一份邮寄确认书，问通知行应如何处理该确认书？ It shall be
44、 disregarded. 案例：某开证行开立一份MT705(pre-advice)后，随后应如何处理？ The issuing bank must then issue the operative credit or amendment without delay in terms not inconsistent with the teletransmission.54 某指定行（非保兑行）是否有义务进行承付或议付？ 12a.an authorization to honour or negotiate does not impose any obligation on that nomi
45、nated bank to honour or negotiate, except 1）when expressly agreed to by that nominated bank and 2）so communicated to the beneficiary. 55 12b. By nominating a bank to accept a draft or incur a deferred payment undertaking, an issuing bank authorizes that nominated bank to prepay or purchase a draft a
46、ccepted or a deferred payment undertaking incurred by that nominated bank. 56 案例：.问：受益人是否应该得到赔偿？ 12c. Receipt or examination and forwarding of documents by a nominated bank that is not a confirming bank does not make that nominated bank liable to honour or negotiate, nor does it constitute honour or
47、 negotiation. 57通过SWIFT开立的MT700中，规定由第三方银行作为偿付行（reimbursing bank ）。问：根据最新SWIFT规则，该信用证是否自动适用与URR525？ 不是。必须在信用证中明确该偿付适用于URR525。 2006年11月18日后，必须在MT700的40E中选择： UCPURR LATEST VERSION 13a.the credit must state if the reimbursement is subject to the ICC rules for bank-to-bank reimbursements in effect on the
48、 date of issuance of the credit. 58如果某偿付行（reimbursing bank ）未能在索偿行（claiming bank ）首次索偿时偿付该索偿行，那么谁应对该索偿行负责？ The issuing bank is obligated to reimburse the claiming bank. 13c. An issuing bank is not relieved of any of its obligations to provide reimbursement if reimbursement is not made by a reimbursi
49、ng bank on first demand. 59案例：银行A是某信用证下的议付行（非保兑行）。银行A收到受益人提交的单据后，未审核单据，也未议付未议付该套单据，直接向开证行寄单。问：根据UCP600银行A是否承担责任（必须审核单据）？ 14a. A nominated bank acting on its nomination, a confirming bank, if any, and the issuing bank must examine a presentation审单：1）仅基于单据本身（on the basis of the documents alone ） 2）在单据
50、表面上（the documents appear on their face ）60案例：.该指定行审核单据是否相符的天数还有几天？ 1）3 banking days 2) a reasonable time not to exceed 7 banking days 3) a reasonable time not to exceed 5 banking days 4) a maximum of 5 banking days 61案例：某MT700信用证，.问：该信用证下单据应该在何时提交指定行？ 1）装运日后21个日历日内 2) 装运日后21个日历日内及信用证效期内 3) 装运日后21个银行
