13国际贸易单证的使用与翻译

1、国际贸易单证的使用和翻译学习目标了解国际商务单证的基础知识；了解国际商务单证的语言特点；掌握国际商务单证中的常见缩写掌握国际商务单证的制作和翻译什么是商务单证？国际商务单证是指在国际贸易中使用的各种商务单据、文书与证书，凭借这种文件来处理国际货物的支付、运输、保险、商检和结汇等。狭义指信用证。 第一节 单据概述一、单证的作用出口方履行合同的证明 交易货物的代表贸易结算的凭证融资的手段货物单据化是银行参与国际结算的前提条件 与商品交易相关的一切凭证和证明文件（汇票、运输单据、保险单据、商业发票和其他单据）国际结算单据种类资金单据票据:汇票(Draft/Bill of Exchange)、本票(P

2、romissory Note)支票(Check/Cheque) 商业单据:商业发票(Commercial Invoice)、海运提单Bills of Lading, 航空运单Airway Bills, 铁路运单Railway Bills，联合运输单据Multi-Modal Transport Documents 保险单( Insurance Policy 或 Insurance Certificate)、装箱单(A Packing List)公务证书:出口许可证( Export License)、质量检验证书Inspection Certificate of Quality, 数量检验证书In

3、spection Certificate of Quantity，原产地证明书Certificate of Origin)SEC 2SEC 3SEC 5SEC 6SEC 7SEC 8SEC 4返回热身练习-“单”字和英译Advice of arrivalBill of ladingBook notePerfect entryQuarantine declarationBlank order formsShipping invoiceLetter of adviceReceipt noteTrial orderStatement of claimClearing exchange slip结算外

4、汇单索赔清单提单订舱单、托运单订货l领取单完整报关单试订单检疫申报单发货通知单空白订单货物到达通知单货物装运单国际结算工具现金票据 汇票：出票人签发，委托付款人，支付收款人 本票：出票人签发，支付收款人或持票人 约定本人付款 支票：出票人签发，委托银行，金融机构。 支 付收款人或持票人汇票出票人分类 银行汇票 商业汇票 按付款时间分类 即期汇票 远期汇票结算方式汇付 信汇 Mail Transfer(M/T)Remittance 电汇 Telegraphic Transfer (T/T) 票汇 Demand Draft(D/D)托收 光票托收Collection clean Bill 即期付款

5、交单 付款交单 d documentary bill 远期付款交单 跟单托收 承兑交单 信用证 Letter of credit一、信用证的定义 信用证（Letter of Credit ,L/C)是指由银行（开证行）依照（申请人）的要求和指示或自己主动，在符合信用证条款的条件下，凭规定单据向第三者（受益人）或其指定方进行付款的书面文件。即信用证是一种银行开立的有条件的承诺付款的书面文件。 在国际贸易活动，买卖双方可能互不信任， 买方担心预付款后，卖方不按合同要求发货； 卖方也担心在发货或提交货运单据后买方不付款。 因此需要两家银行做为买卖双方的保证人，代为收款交单，以银行信用代替商业信用。银

6、行在这一活动中所使用的工具就是信用证。 信用证的种类Confirmed L/CUnconfirmed L/CClean L/CDocumentary L/CSight L/CUsance L/CTransferable L/CNon-transferable L/CRevolving L/CReciprocal L/CRevocable L/CIrrevocable L/C保兑信用证不保兑信用证光票信用证跟单信用证即期信用证远期信用证可转让信用证不可转让信用证循环信用证对开信用证可撤销信用证不可撤销信用证任务一 认识信用证信用证当事人 开证申请人Applicant / Opener / Acc

7、ountee 开证行Opening bank / Issuing bank 受益人Beneficiary 通知行Advising bank / Informing bank/Notifying bank 议付行Negotiating bank 付款行Paying bank / Drawee bank 偿付行Reimbursing bank / Clearing bank 保兑行Confirming bank 承兑行Accepting bank 转让行Transferring bank 指定银行Nominated bank IRREVOCABLE DOCUMENTARY CREDIT APPLI

8、CATIONTO:BANK OF BRANCHDate:Issue by airmail With brief advice by teletransmissionCredit No.Issue by express deliveryIssue by teletransmission (which shall be the operative instrument)Date and place of expiry ApplicantBeneficiary (Full name and address)Advising BankAmountCredit available withPartial

9、 shipmentsTranshipmentallowed not allowedallowed not allowedByLoading on board/dispatch/taking in charge at/fromsight payment acceptance negotiationdeferred payment atnot later than against the documents detailed hereinFor transportation to: and beneficiarys draft(s) for % of invoice valueFOB CFR CI

10、Fat sightor other termsdrawn on 任务二 填写开证申请书开证申请书解读（一）对应栏目详解 跟单信用证开证申请书填写信用证开证行名称 信用证号码 填写日期 任务二 填写开证申请书申请人（全名，地址和电话等）受益人（全名，地址和电话等） 分批装运( )允许 ( )不允许 转运 ( )允许 ( )不允许 开立方式 ( )电汇 ( )快递任务二 填写开证申请书起运地点/接管地从开始）合同号，信用证金额（用数字、文字两种方式描述）运至 贸易方式: （ ）FOB（ ）CFR（ ） CIF（ ）Others填写开证申请书货物描述 到期日和到期地点信用证支付方式：( )即期( )

11、承兑 ( )议付( )延期付款( )信用证受益人以发票价值的百分之多少 在提单日后 天按发票金额的 %付款的汇票题目要求和说明填写开证申请书根据下述给出的条件填写开证申请书，要求格式清楚、条款明确、内容完整。相关资料：DATE: MAY 25, 2009THE BUYER: EAST AGENT COMPANYADDRESS: ROOM 2401,WORLDTRADE MANSION, SANHUAN ROAD 47#，BEIJING, P. R. THE SELLER: LPG INTERNATION CORPORATIONADDRESS: ( UNITED STATES )NAME OF

12、COMMODITY: MENS DENIM UTILITY SHORTSPECIFICATIONS: COLOR:MEDDESTSANDBLASFABRICCONTENT:100%COTTONQUANTITY: 2000 CARTONSPRICE TERM: FOB USD 285/ CARTONTOTAL AMOUNT: USD570,000.00COUNTRY OF ORIGIN AND MANUFACTURERS: , VICTORY FACTORYPARTIAL SHIPMENT AND TRANSSHIPMENT ARE PROHIBITTEDSHIPPING MARK: ST NO

13、.1UPTIME OF SHIPMENT: BEFORE JULY 15,2009PLACE AND DATE OF EXPIRY: , JULY 30,2009OF : OF : , TIANJING OF INSURANCE: TO BE COVERED BY BUYER.PAYMENT: BY IRREVOCABLE FREELY NEGOTIABLE L/C AGAINST SIGHT DRAFTS FOR 100PCT OF INVOICE VALUE AND THE DOCUMENTS DETAILED HEREUNDER.DOCUMETNS:1.INVOICES IN TRIPL

14、ICATE2.PACKING LIST IN TRIPLICATE3.FULL SET OF CLEAN ON BOARD BILLS OF LADING MADE OUT TO ORDER AND BLANK ENDORSED NOTIFYING THE APPLICANT WITH FULL NAME AND ADDRESS MARKED FREIGHT COLLECT.4.CERTIFICATE OF ORIGIN IN DUPLICATE5.BENEFICIARYS CERTIFIED COPY OF FAX TO THE APPLICANT WITHIN 1 DAY AFTER SH

15、IPMENT ADVISING GOODS NAME OF VESSEL, INVOICE VALUE, DATE OF SHIPMENT, QUANTITY AND WEIGHT.OTHER TERMS AND CONDITIONS:1.L/C TO BE ISSUED BY TELETRANSMISSION.2.THE BUYER SHALL BEAR ALL BANKING CHARGES INCURRED INSIDE THE ISSUING BANK.3.ALL DOCUMENTS MUST BE MAILED IN ONE TO THE ISSUING BANK BY COURIE

16、R SERVICE.4.PRESENTATION PERIOD:WITHIN 10 DAYS AFTER THE DATE OF SHIPMENT.IRREVOCABLE DOCUMENTARY CREDIT APPLICATIONTO:BANK OF BRANCHDate:Issue by airmail With brief advice by teletransmissionCredit No.Issue by express deliveryIssue by teletransmission (which shall be the operative instrument)Date a

17、nd place of expiry ApplicantBeneficiary (Full name and address)Advising BankAmountCredit available withPartial shipmentsTranshipmentallowed not allowedallowed not allowedByLoading on board/dispatch/taking in charge at/fromsight payment acceptance negotiationdeferred payment atnot later than against

18、the documents detailed hereinFor transportation to: and beneficiarys draft(s) for % of invoice valueFOB CFR CIFat sightor other termsdrawn on Documents required: (marked with X)1. ( ) Signed commercial invoice in copies indicating L/C No. and Contract No. 2. ( ) Full set of clean on board Bills of L

19、ading made out to order and blank endorsed, marked freight to collect / prepaid showing freight amount notifying .( ) Airway bills/cargo receipt/copy of railway bills issued by showing “freight to collect/ prepaid indicating freight amount and consigned to_.3. ( ) Insurance Policy/Certificate in cop

20、ies for % of the invoice value showing claims payable in incurrency of the draft, blank endorsed, covering All Risks, War Risks and .4. ( ) Packing List/Weight Memo in copies indicating quantity, gross and weights of each package.5. ( ) Certificate of Quantity/Weight in copies issued by _.6. ( ) Cer

21、tificate of Quality in copies issued by manufacturer/ public recognized surveyor_.7. ( ) Certificate of Origin in copies .8. ( ) Beneficiarys certified copy of fax / telex dispatched to the applicant within days after shipment advising L/C No., name of vessel, date of shipment, name, quantity, weigh

22、t and value of goods.Other documents, if anyDescription of goods:Additional instructions:1. ( ) All banking charges outside the opening bank are for beneficiarys account.2. ( ) Documents must be presented within days after date of issuance of the transport documents but within the validityof this cr

23、edit.3. ( ) Third party as shipper is not acceptable, Short Form/Blank back B/L is not acceptable.4. ( ) Both quantity and credit amount _ % more or less are allowed.5. ( ) All documents must be sent to issuing bank by courier/speed post in one lot.( ) Other terms, if anyIRREVOCABLE DOCUMENTARY CRED

24、IT APPLICATIONTO:BANK OF BRANCHDate:MAY 25, 2009Issue by airmail With brief advice by teletransmissionCredit No.Issue by express deliveryIssue by teletransmission (which shall be the operative instrument)Date and place of expiry JULY 30, ApplicantBeneficiary (Full name and address)EAST AGENT COMPANY

25、ROOM 2401,WORLDTRADE MANSION, SANHUAN ROAD 47#，BEIJING, P. R. LPG INTERNATION CORPORATION( UNITED STATES )Advising BankAmountUSD 570,000.00SAY U.S.DOLLARS FIVE HUNDRED AND SEVENTY THOUSAND ONLY Credit available withPartial shipmentsTranshipmentANY BANKallowed not allowedallowed not allowedByLoading

26、on board/dispatch/taking in charge at/fromsight payment acceptance negotiationdeferred payment atnot later than JULY 15, 2009against the documents detailed hereinFor transportation to: , TIANJING OF and beneficiarys draft(s) for 100 % of invoice valueFOB CFR CIFat * sightor other termsdrawn on BANK

27、OF CHINA BEIJING BRANCHDocuments required: (marked with X)1. ( X ) Signed commercial invoice in 3 copies indicating L/C No. and Contract No. 2. ( X ) Full set of clean on board Bills of Lading made out to order and blank endorsed, marked freight X to collect / prepaid showing freight amount notifyin

28、g THE APPLICANT WITH FULL NAME AND ADDRESS . () Airway bills/cargo receipt/copy of railway bills issued by showing “freight to collect/ prepaid indicating freight amount and consigned to_.3. () Insurance Policy/Certificate in copies for % of the invoice value showing claims payable in incurrency of

29、the draft, blank endorsed, covering All Risks, War Risks and .4. ( X ) Packing List/Weight Memo in 3 copies indicating quantity, gross and weights of each package.5. () Certificate of Quantity/Weight in copies issued by _.6. () Certificate of Quality in copies issued by manufacturer/ public recogniz

30、ed surveyor_.7. ( X ) Certificate of Origin in 2 copies .8. ( X ) Beneficiarys certified copy of fax / telex dispatched to the applicant within 1 days after shipment advising L/C No., name of vessel, date of shipment, name, quantity, weight and value of goods.Other documents, if anyDescription of go

31、ods:MENS DENIM UTILITY SHORT COLOR:MEDDESTSANDBLASFABRICCONTENT:100%COTTONQUANTITY:2000 CARTONSPRICE TERM: FOB COUNTRY OF ORIGIN AND MANUFACTURERS: , VICTORY FACTORYAdditional instructions:1. ( X ) All banking charges outside the opening bank are for beneficiarys account.2. ( X ) Documents must be p

32、resented within 10 days after date of issuance of the transport documents but within the validityof this credit.3. () Third party as shipper is not acceptable, Short Form/Blank back B/L is not acceptable.4. () Both quantity and credit amount _ % more or less are allowed.5. ( X ) All documents must b

33、e sent to issuing bank by courier/speed post in one lot.() Other terms, if any（二）信用证的语言特点 在国际商务交往中，信用证主要用英文起草。信用证从出现到现在以及在实践的不断运用中，已形成自己独特的语言特点。信用证具有法律文书的语言特点，及用词严谨、正规、严肃、专业性强，主要体现如下：1)格式化和规范化 目前，信用证开立主要有信开、电开和SWIFT三种方式。其基本特点是格式化和规范化。(1)省去系动词，如Latest shipment Apr. 30, 2006.Shipment from Chinese port

34、 to Osaka.(2) 在使用“be to+动词结构”或“be to +动词被动式结构”表示将来概念时省去助动词“be”，如：Each document to show B/L number and date and to be dated not earlier than 7 days from B/L date.All correspondence to be sent to Bangkok Bank import services department.3)一般不使用诸如“be going to”或“be about to do”之类的口语用字，要表达同样的意义时往往使用“be to

35、+动词结构”或“shall/will”。如：Documents to be presented to negotiation bank within 15 days after shipment单据需在装船后15天内交给议付行(3)被动语态结构省去助动词be，如：Partial shipment allowed.Transshipment prohibited.(4)分词短语作定语，独立成句，如：Copy of beneficiaries telex to the buyer quoting L/C number mentioning details of shipment.Beneficia

36、ries certificate certifying that one set of N/N shipping documents has been sent to the buyer immediately after shipment has been made. (N/N: non-negotiable , not negotiable非流通的，不可转让的)2)术语多使用书面用语，以体现庄重和严肃1）大量采用成语来代替简单介词，如使用in favor of, in compliance with, as per, in view of等，如：Freight payable as per

37、 charter partys plus two non-negotiable copies.2)大量使用旧词here, there的复合词如therein, thereafter, thereby, therof, hereto, hereof, hereunder等，这些旧词只局限于一些庄重的文体，现代日常用语中很少使用。如;we hereby engage with you that all drafts drawn under and in compliance with the terms of this credit will be duly honored我行保证及时对所有根据本

38、信用证开具、并与其条款相符的汇票兑付3）名词和动词互相转化1）有些动词转化为名词表示一种具体的或在特定场合下表现或发生的行为，在这种情况下，意义的中心移向名词，而和名词构成短语动词的意义则相应减弱。 Only the Bank of China, Lianyungang, is allowed to effect transfer of the present documentary credit, but validity and the place of payment cannot be transferred. (只允许中国银行连云港分行（实行）转让本跟单信用证，但本证的有效期和支付地

39、不能转让。)2）名词转化为动词是现代英语中极普遍的现象，其使用范围日趋广泛，经常出现在不同语体和不同语言环境中。信用证也有这种现象。例如： We shall credit your Beijing Head office account at maturity. (我行将在到期时贷记你方在北京总行的账户。)4)条件句在信用证中的使用 信用证中条件的表达非常丰富，在同一份信用证中，不管出现多少次“条件”，所用表达很少有重复现象，这说明信用证很注重文体色彩。而从语气上讲，主要是开证行主要站在自己的角度，通过限制性词句，要求受益人或第二方该如何运作。下述词语经常出现在信用证的条件表述句中：in ca

40、se of, only if, only after, provided, unless, if, in view of, on condition that, providing that, 例如： In case of transfer, document No. (K) is no longer required, provided that the bank of china, Lianyungang certifies it has transferred the credit. Transshipment is allowed on the condition that the e

41、ntire voyage is covered by through B/L.使用信用证的其他特点如下 1)信用证语气的变化 在信用证方式下，情态动词may, must, can, shall, should等的使用频率很高，在分析信用证时，我们不仅要理解其表面之意，更要分析其内在含义，判断其语气。(a) T.T. reimbursement (is) not acceptable.(b) This credit（is）not transferable.(c)）no L/C should appear on all shipping documents.(d) Marine insurance

42、 shall cover the risks until the product arrives at the applicants warehouse in Japan.(e) Packing list must show container numbers ,and specify the contents of each container. (a)和(b)句是开证行陈述事实，但传递的信息是强制性的，没有任何保留的余地，不能更改。(c) (d) (e)三句则为开证行的命令语，虽然语气较为委婉，但强硬语气深含其中。 2）被动结构的使用 信用证中被动结构的使用较为广泛，这是因为(1) 被动语

43、态把所要论述的对象置于主语位置，更能引起人们的注意。(2) 被动语态的句子在结构上有较大的调节余地，有利于采用恰当的修辞手段扩大句子的信息量。(3) 再者，被动语态比主动语态的主观色彩弱，这样更适用于一些严肃性和庄重文体。比如： The advising bank is requested to notify the beneficiary without adding their confirmation. (我们（开证行）请求通知行通知受益人没有加具他们的保兑。)3)专业性强 信用证大量使用术语，包括一些在函电里使用的缩略语。如; bona fide holder(善意持有人，即议付行向受

44、益人垫付资金、买入跟单汇票后，即成为汇票持有人，也就是善意持有人)； Neutral document中性单据（指不表现出口商名词的单据）4)在信用证使用简单介词来缩短句子结构基于其篇幅和格式的需要，信用证往往限制字数和长句的使用，而介词是缩略句子的最好方法。如:This credit is valid until September 17,2000, in Vienna for payment available against the presentation of the following documents.(本信用证有效期至2000年9月17日，到期地点为维也纳，(受益人)凭提交的

45、下述单据可以得到偿付。)此句用了5格介词，分解成下述几层意思：1)本信用证的到期时间（until）2)本信用证的到期地点（in）3)本信用证的付款保证(for)4)本信用证的付款条件（against, of）5)信用证的一词多义现象 一次多义在英语里非常普遍，在信用证里也有不少。有些词语在信用证里出现频率较高，词义变化较大，比如 confirm (confirmation) 保兑,是指开证行以外的银行保证对信用证承担付款责任。 accept (acceptance) 承兑,即买方在见到汇票时答应并签字确认， 待到汇票到期后一定付款 (accept/promise to pay on due d

46、ate by signing the draft) ，而不是马上付款! negotiate （negotiable ） 议付 collect (collection) 托收等。 其确切的意义完全取决于它所在的环境。一. against 在L/C 中的高频率出现及正确理解 我们常见的against 是介词, 通常意为“反对”( indicating opposite ion) , 例如:Public opinion was against the Bill. 舆论反对此法案。 另外还有“用. . . 交换, 用. . . 兑付”之意 The payment is available at sig

47、ht against the following documents. 凭下列单据即期付款。 这里的against 都是“凭. . . 为条件, 以. . . 为前提” ( in return for sth. or on condition that) 之意。 E.g.The consignment is handed over for disposal against payment by the buyer.正译: 货物凭买方付款后, 方可移交其处置。二. subject to 在同一份信用证中有两种意思, 此概念在审证时必须 把握清楚。 This documentary credit

48、is subject to the Uniform Customs and Practice for Documentary Credits (1993 Revision) International Chamber of Commerce (publicities on No. 500).译文： 本信用证受跟单信用证统一惯例国际商会第500 号出版物(1993 年修订本) 管辖(或约束)。 本句话中的subject to 在证中意为“受. . . 约束, 受. . . 管制”。此条款一般在来证的上方或页面的空白处载明, 表明其适用的范围和承担的义务。而同时, 它出现在证内其他一些条款中, 又

49、是何意? 请看下面这个条款。E.g. The certificate of inspection would be issued and signed by authorized applicant of L/C before shipment of cargo, whose signature is subject to our final confirmation. 译文： 发货前由开证申请人授权开立并签署的检验证书, 其签字须待我方最终确认。 这里的subject to 意为“有待于, 须经. . . 的, 以. . . 为条件”(conditionally upon)之意。这样的限制性

50、条款往往又出现在信用证的最下端或和其他条款混在一起, 用词讲究, 很容易被忽略; 或即使被看到了, 审证人一扫而过, 没有要求对方改证, 最后给企业造成损失。 三. draw 在信用证中的释义及正确的翻译 drawer 意为“出票人”, 一般指的就是信用证的受益人。drawee 意为“付款人”, 信用证的开证人。 drawn clause 意为“出票条款”, 即信用证、商业汇票中的一些特别条款。E.g. We hereby establish this Irrevocable Credit which is available against beneficiarys drafts drawn

51、 in duplicate on applicant at 30 days sight free of interest for 100% of invoice value. Document against acceptance. 译文：我方兹开立不可撤消信用证, 本证凭受益人开给申请人的30 天一式两份汇票付款, 不计利息, 承兑交单。 此句中drawn 为“开给”“向. . . 开立的”之意。用drawn 这个词时, 后面常跟的是介词on 如: Drawn on Bank of China, Head Office. 开给中国银行总行。四. negotiate 和honor 在信用证中都

52、有付款的含义negotiate 在外贸业务中的含义是“议付” At the time of negotiation, 5% commission to be deducted from invoice value and should be remitted(汇款) by the negotiating bank in the form of a bank draft in favour of Cima Co. 译文： 议付到期时, 将按发票金额扣除百分之五的佣金, 该扣除金额须由议付行以银行汇票形式开给西马公司。negotiable 这个形容词, 指代的又是具有物权凭证的议付单据, 意为“可

53、议付的, 可流通的, 可兑现的”, 如: negotiable documents“议付单据”, 包括汇票、发票、提单等正本。 而non-negotiable documents 是指“非议付单据”, 即提单、保单一类的副本单据, 而不是结汇单据。 honor 之意是“兑现”、“承付”, honor a bill (cheque, draft, etc. ) “兑现票据 (支票, 汇票, 信用证; 托收) ”。This L/C will be duly honored only if the seller submits whole set of documents that all term

54、s and requirements under L/C No. 45675 have been complied with. 译文： 只有出口人提供与信用证No. 45675号项下相符的全套单据, 本行才予承付。 (意即付款)信用证的翻译信用证条款翻译信用证条款翻译 1、总金额不超过50000美元 Amount for a sum / sums not exceeding a total of USD50000.00. 2、证明货物于2008年6月30日前装运 Evidencing shipment/dispatch on or before June 30th, 2008. 3、必须在装船

55、后15天内交单，但须在本信用证有效期内交单 The Documents must be presented within 15 days after shipment, but within Credit validity. 4、每箱20美元CFR东京，包含2%的佣金 US$ 20.00 per carton CFR Tokyo, including 2% commission. 5. 3份装箱单，显示毛重净重和唛头. Packing list in three copies mentioning the gross and net weight of each package and the

56、 marks.信用证翻译1. 本银行（开证银行）授权贵银行（通知银行）对本信用证加以保兑。Vocabulary & Phrase开证行：the issuing bank 通知行：the advising bank授权做某事： be authorized to do sthsb 对(sth)加以保兑：add sbs confirmation to 译文： We (The Issuing Bank) are authorized to add your (the Advising Banks) confirmation to this credit.信用证翻译2. 本银行（通知银行）受通汇银行（开

57、证银行）的委托，对本信用证加以保兑，并在此保证，凡提交贵公司（受益人）依信用证条款签发的汇票，届时由本银行兑付。主干：本银行（被要求）对本信用证加以保兑并在此保证（汇票由本银行兑付）。Vocabulary and Phrase:受的委托 At the request of对加以保兑 add confirmation to保证：affirm 汇票：drafts 开具/签发（汇票）drawn 受益人：Beneficiary 依照：in accordance with 届时兑付： duly honored信用证翻译2. 本银行（通知银行）受通汇银行（开证银行）的委托，对本信用证加以保兑，并在此保证，

58、凡提交贵公司（受益人）依信用证条款签发的汇票，届时由本银行兑付。 (At the request of the correspondent) (the Issuing Bank), we (the Advising Bank) have been requested to add our confirmation to this credit and we hereby affirm that all drafts (drawn by you) (Beneficiary) (in accordance with the terms of the credit) will be duly hon

59、ored by us.信用证翻译4. 对本信用证予以加保并在此保证，凡向本银行提交符合本信用证诸条款的汇票时予以议付或承兑。主干：对本信用证予以加保并保证汇票时予以议付或承兑。Vocabulary and Phrase:信用证 credit 保证：affirm 汇票：draft加保 add confirmation 议付negotiate 承兑accept 提交on presentation 符合 in conformity with 信用证翻译4. 对本信用证予以加保并在此保证，凡向本银行提交符合本信用证诸条款的汇票时予以议付或承兑。译文： This credit bears our con

60、firmation and we hereby affirm to negotiate or to accept (on presentation to us), drafts (drawn and presented) (in conformity with the terms of this credit)信用证翻译5. 本银行（开证银行）向出票人、背书人及正当持票人保证，凡依本信用证所列条款开具的汇票，于提交时承担付款责任。主干：本银行保证(汇票承担付款责任)。Vocabulary and Phrase向保证 affirm with sb出票人drawers 背书人endorsers 正