跟单信用证法律实务

跟单信用证法律实务厦门大学法学院肖伟2007

年

5

月9/21/20231Yuqiang

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Reserved第一页，共一百九十页。主要内容UCP600与UCP500的比较分析UCP600实施中的法律实务最高法院司法解释评析最高法院司法解释法律实务9/21/20232Yuqiang

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Reserved第二页，共一百九十页。UCP600产生的背景及过程《信用证统一惯例》修订进程的“十年之痒”——1933年国际商会第82号出版物1952年国际商会第151号出版物1962年国际商会第

2号出版物1973年国际商会第290号出版物1983年国际商会第400号出版物1993年国际商会第500号出版物（仍在实施中）2006年国际商会第600号出版物（计划于2007年7月实施）9/21/20233Yuqiang

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Reserved第三页，共一百九十页。UCP600产生的背景及过程UCP600修订的背景自UCP500生效以来，银行实务中围绕500产生的争议层出不穷*。为此，ICC于2002年初成立UCP修订工作小组，提出修订UCP500的动议。国际商会有关UCP500的系列出版物Position

Paper

No.1,2,3,4

（修改/议付/非单据化条件/运输单据）PublicationNo.515/535/565/596URR525/ISP98/ISBP/Eucp*国际商会银行技术委员会遗憾而且关切地注意到，在UCP500实施以后，一些银行错误地解释和应用UCP500的一些条文。由于未能正确地运用这些条文，其结果严重防碍了按照UCP500开立的跟单信用证的使用。（Charles

del

Bush—Chairman,ICC

Commission

on

Banking

Technique

andPractice.Adopted

from

Foreword

of

Position

Paper

1,2,3,4）9/21/20234Yuqiang

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Reserved第四页，共一百九十页。UCP600产生的背景及过程

在2002年4月的ICC银行委员会会议上，各国代表对何时、如何修订UCP500未达成一致意见（我国赞成立即开始修订），但一致同意先对产生最多争议的七个条款进行评议。因为ICC提出的专家意见中超过58％集中在UCP500这七个条款上。9/21/20235Yuqiang

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Reserved第五页，共一百九十页。UCP600产生的背景及过程

在2002年10月ICC银行委员会会议上，银行委员会技术顾问GARY

COLLYER提供了一份评议七条条款的报告：第九条–开证行与保兑行的责任（共二十六次）第十三条–审核单据的标准（共四十三次）第十四条–不符点单据与通知（共六十次）第二十一条–对单据出单人或单据内容未作规定（共二十九次）第二十三条–海运提单（共四十七次）第三十七条–商业发票（共二十六次）第四十八条–可转让信用证（共三十一次）9/21/20236Yuqiang

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Reserved第六页，共一百九十页。UCP600产生的背景及过程

多份研究报告显示，高比例、高频率发生的信用证拒付现象日益危机信用证在国际结算中的地位。IN

THE

EVENT

THAT

THE

DOCUMENTS

PRESENTED

WITHDISCREPANCY,

A

DISCREPANT

FEE

OF

USD60.00

OR

EQUIVALENTWILL

BEN

DEDUCTED

FROM

THE

PROCEEDS.9/21/20237Yuqiang

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Reserved第七页，共一百九十页。UCP600产生的背景及过程

From

Introduction

of

UCP500：单据不符是信用证支付方式下一种极为普遍的现象，从1

93年修订的《跟单信用证统一惯例》的前言可以看出：“一些调查表明，大约5％跟单信用证下的单据因与信用证不符或表面不符而被拒付，这降低了跟单信用证的效力，对参与有关产品交易的各方产生财务影响，增加了成本，减少了进口商、出口商和银行的利润。有关跟单信用证的诉讼案激

增也引起了人们极大的关注。”9/21/20238Yuqiang

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Reserved第八页，共一百九十页。UCP600产生的背景及过程From

Introductionof

UCP600：When

work

on

the

revision

started,

a

number

of

global

surveys

indicated

that,

because

of

discrepancies,

approximately

70%

of

documents

presented

under

letters

of

credit

were

being

rejected

on

first

presentation.

This

obviously

had,

and

continues

to

have,

anegative

effect

on

the

letterofcredit

being

seenas

ameans

of

payment

and,

if

unchecked,

could

have

seriousimplications

formaintaining

or

increasing

its

market

share

as

a

recognizedmeans

of

settlement

in

international

trade.结论：信用证正日益成为拒付的工具。9/21/20239Yuqiang

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Reserved第九页，共一百九十页。UCP600产生的背景及过程UCP600修订的过程

2003年5月，ICC正式授权ICC银行委员会启动UCP500修订工作修订工作的三层组织架构：The

drafting

Group

（起草小组）The

Consulting

Group

（咨询小组）ICC

national

committees

（国家委员会）9/21/202310Yuqiang

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Reserved第十页，共一百九十页。UCP600产生的背景及过程The

drafting

Group小组成员

共10位成员，其中8位来自欧洲，其余两位分别来自美国和新加坡

小组主席：Gary

Collyer--ABN

AMRO

Bank

N.V.,London,EnglandThe

Consulting

Group小组成员小组由来自26个国家的40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9/21/202311Yuqiang

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Reserved第十一页，共一百九十页。UCP600产生的背景及过程UCP600修订的过程FIRST

STEP---REVISION

PROCESS：

全面回顾UCP500实施以来ICC发布的各类出版物、意见书及决定，吸收其中的合理条款。关于正本单据关于开证申请人与受益人详细地址关于预装船提单装运日期的确认9/21/202312Yuqiang

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Reserved第十二页，共一百九十页。UCP600产生的背景及过程SECOND

STEP---GENERAL

OBJECTIVE：

全面反映近年来国际银行业、运输业和保险业出现的变化，并体现一定的前瞻性；五个银行工作日删除了运输行单据条款明确了保险单据可以由代理人（proxies）出具9/21/202313Yuqiang

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Reserved第十三页，共一百九十页。UCP600产生的背景及过程全面检讨UCP500中的条款结构和文字措辞。从A组到G组分类的模块式组合到流水式条款通俗易懂、简约化的措辞Nominated

bank

means

the

bank

authorized

in

thecredit

to

honour

or

negotiate

or,

in

the

case

of

a

freely

available

credit,

any

bank.

(UCP

Draft

June)Nominated

bank

means

the

bank

with

which

the

creditis

available

or

any

bank

in

the

case

of

a

credit

available

with

any

bank.

(UCP

Final

Version)9/21/202314Yuqiang

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Reserved第十四页，共一百九十页。UCP600产生的背景及过程THIRD

STEP---CO-OPERATION：建立稳定的三级合作机制T

h

i

s

r

e

v

i

s

i

o

n

o

ft

h

e

U

C

P

r

e

pc

u

l

m

i

n

a

t

i

o

n

o

f

o

v

e

rt

h

r

e

e

ye

x

t

e

n

s

i

v

e

a

n

a

l

y

s

i

s

,

r

e

v

i

ec

o

m

p

r

o

m

i

s e

a

m

o

n

g

s

t

t

h

e

v

a

rt

heDraftingGro

up,thememB

ankingCommiss

ionandthen

ationalcommit

tees.——From

Gary

Collyer9/21/202315Yuqiang

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Reserved第十五页，共一百九十页。UCP600与UCP500的比较分析Advising

bankApplicantBanking

dayBeneficiary

ComplyingpresentationConfirmationConfirming

bankCreditHonourIssuing

bankNegotiationNominated

bankPresentationPresenter第一次系统地对有关信用证的14个概念进行了定义9/21/202316Yuqiang

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Reserved第十六页，共一百九十页。UCP600与UCP500的比较分析Article

2

DefinitionsFor

the

purpose

of

these

rules:

Advising

bank

means

the

bank

that

advises

the

creditat

the

request

of

the

issuing

bank.

Applicant

means

the

party

on

whose

request

the

creditis

issued.9/21/202317Yuqiang

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Reserved第十七页，共一百九十页。UCP600与UCP500的比较分析

Banking

day

means

a

day

on

which

a

bank

isregularly

open

at

the

place

at

which

an

actsubject

to

these

rules

is

to

be

performed.

Beneficiary

means

the

party

in

whose

favour

acredit

is

issued.9/21/202318Yuqiang

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Reserved第十八页，共一百九十页。UCP600与UCP500的比较分析

Complying

presentation

means

a

presentation

thatis

in

accordance

with

the

terms

and

conditions

of

the

credit,

the

applicable

provisions

of

these

rules

and

international

standard

banking

practice.

Confirmation

means

a

definite

undertaking

of

theconfirming

bank,

in

addition

to

that

of

the

issuing

bank,to

honour

or

negotiate

a

complying

presentation.9/21/202319Yuqiang

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Reserved第十九页，共一百九十页。UCP600与UCP500的比较分析

Confirming

bank

means

the

bank

that

adds

itsconfirmation

to

a

credit

upon

the

issuing

bank’sauthorization

or

request.

Credit

means

any

arrangement,

however

named

ordescribed,

that

is

irrevocable

and

thereby

constitutesa

definite

undertaking

of

the

issuing

bank

to

honour

acomplying

presentation.9/21/202320Yuqiang

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Reserved第二十页，共一百九十页。UCP600与UCP500的比较分析Honour

means:

a.to

pay

at

sight

if

the

credit

is

available

bysight

payment.

b.to

incur

a

deferred

payment

undertaking

and

pay

atmaturity

if

the

credit

is

available

by

deferred

payment.

c.to

accept

a

bill

of

exchange

(“draft”)

drawn

by

thebeneficiary

and

pay

at

maturity

if

the

credit

isavailable

by

acceptance.9/21/202321Yuqiang

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Reserved第二十一页，共一百九十页。UCP600与UCP500的比较分析Honour

means:

a.to

pay

at

sight

if

the

credit

is

available

bysight

payment.

b.to

incur

a

deferred

payment

undertaking

and

pay

atmaturity

if

the

credit

is

available

by

deferred

payment.

c.to

accept

a

bill

of

exchange

(“draft”)

drawn

by

thebeneficiary

and

pay

at

maturity

if

the

credit

isavailable

by

acceptance.9/21/202322Yuqiang

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Reserved第二十二页，共一百九十页。Article

19.

Bank-to-Bank

Reimbursement

Arrangementsa.

If

an

Issuing

Bank

intends

that

the

reimbursement

to

which

apaying,

accepting

or

negotiating

bank

is

entitled,

shall

be

obtained

bysuch

bank

(the

"Claiming

Bank"),

claiming

on

another

party(

the"Reimbursing

Bank"),

it

shall

provide

such

Reimbursing

Bank

ingood

time

with

the

proper

instructions

or

authorization

to

honour

suchreimbursement

claims.

(UCP500)第十九条银行间的偿付约定a．开证行如欲通过另一银行（偿付行）对付款行、承兑行或议付行（均称“索偿行”）履行偿付时，开证行应及时向偿付行发出对此类索偿予以偿付的适当指示或授权。9/21/202323Yuqiang

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Reserved第二十三页，共一百九十页。hono(u)r《英汉简明辞典》n.尊敬,敬意,荣誉,光荣vt.尊敬,给以荣誉《现代英汉综合大辞典》vt.给...以光荣;礼遇;赐给尊敬;崇拜【商】承兑;兑现hono(u)r

a

check

承兑支票9/21/202324Yuqiang

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Reserved第二十四页，共一百九十页。UCP600与UCP500的比较分析Honour

means:

a.to

pay

at

sight

if

the

credit

is

available

by

sightpayment.

b.to

incur

a

deferred

payment

undertaking

and

pay

atmaturity

if

the

credit

is

available

by

deferredpayment.

c.to

accept

a

bill

of

exchange

(“draft”)

drawn

by

thebeneficiary

and

pay

at

maturity

if

the

credit

isavailable

by

acceptance.9/21/202325Yuqiang

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Reserved第二十五页，共一百九十页。UCP600与UCP500的比较分析

Issuing

bank

means

the

bank

that

issues

a

credit

atthe

request

of

an

applicant

or

on

its

own

behalf.

Negotiation

means

the

purchase

by

the

nominated

bankof

drafts

(drawn

on

a

bank

other

than

the

nominated

bank)and/or

documents

under

a

complying

presentation,

by

advancing

or

agreeing

to

advance

funds

to

thebeneficiary

on

or

before

the

banking

day

on

whichreimbursement

is

due

to

the

nominated

bank.9/21/202326Yuqiang

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Reserved第二十六页，共一百九十页。UCP600与UCP500的比较分析关于议付UCP500

Article

10

（信用证的种类）

Negotiation

means

the

giving

of

value

forDraft(s)

and/or

document(s)

by

thebankauthorized

to

negotiate.

Mere

examination

of

the

documents

without

giving

of

value

does

notconstitute

a

negotiation.9/21/202327Yuqiang

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Reserved第二十七页，共一百九十页。UCP600与UCP500的比较分析UCP500

Article

9

（开证行与保兑行的责任）

An

irrevocable

Credit

constitutes

a

definiteundertaking

of

the

Issuing

Bank,

provided

thatthestipulated

documents

are

presented

to

theNominated

Bank

or

to

the

Issuing

Bank

and

that

theterms

and

conditions

of

the

Credit

are

compliedwith:If

the

Credit

provides

for

negotiation

to

pay

without

recourse

to

drawers

and/or

bona

fide

holders,Draft(s)

drawn

by

the

Beneficiary

and/or

document(s)presented

under

the

Credit9/21/202328Yuqiang

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Reserved第二十八页，共一百九十页。UCP600与UCP500的比较分析ICC

Position

Paper

No

2

（第二号意见书）

The

Banking

Commission

wishes

to

clarify

that

forthe

purposes

of

UCP

500,

the

phrase

"giving

ofvalue"

in

sub-Article

10(b)(ii)

may

be

interpretedas

either

"making

immediate

payment"

(e.g.

bycash,

by

cheque,

by

remittance

through

aClearing

System

or

by

credit

to

an

account)

or"undertaking

an

obligation

to

make

payment"(other

than

giving

a

deferred

payment

undertaking

oraccepting

a

draft).9/21/202329Yuqiang

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Reserved第二十九页，共一百九十页。UCP600与UCP500的比较分析ICC

Publication

No.459：关于追索权

议付行在任何情况下均享有追索权，除非该行保兑了信用证（TheCommission

finally

decided

to

make

a

distinction

betweencredits

available

through

payment

and

credit

available

throughnegotiation.

As

to

the

former

(

available

through

payment),anyrecourse

by

the

advising

bank

vis-à-vis

the

beneficiary

was

tobe

excluded

if

it

had

not

expresseda

reservation

when

makingits

payment.

As

to

the

latter

credits

(

available

through

negotiation),

the

advising

bank

always

had

a

right

of

recourse,

unless

it

had

confirmed

the

credit”.）9/21/202330Yuqiang

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Reserved第三十页，共一百九十页。UCP600与UCP500的比较分析ICC

Publication

No.596

R259：议付的追索权

银行提供议付时所要求的条件，即是否保留追索权，不能由ICC来裁定。那些条件取决于当地法律及议付行与出口商之间的关系。

应由受益人来决定是否接受那些条件并在“保留追索”的条件下取得款项。

在这些情况下，受益人最好使信用证可自由议付，以使他们能够把单据提交给一家一旦接受单据将始终信守决定的被指定银行。9/21/202331Yuqiang

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Reserved第三十一页，共一百九十页。议付定义的演变UCP500：Negotiation

means

the

giving

of

value

forDraft(s)

and/or

document(s)

by

the

bank

authorized

tonegotiate.

Mere

examination

of

the

documents

without

giving

of

value

does

not

constitute

a

negotiation.UCP600：Negotiation

means

the

purchase

by

the

nominated

bank

of

drafts

(drawn

on

a

bank

other

than

thenominated

bank)

and/or

documents

under

a

complyingpresentation,

by

advancing

or

agreeing

to

advance

funds

to

the

beneficiary

on

or

before

the

banking

day

on

whichreimbursement

is

due

to

the

nominated

bank.9/21/202332Yuqiang

@

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Reserved第三十二页，共一百九十页。UCP600与UCP500的比较分析

Nominated

bank

means

the

bank

with

which

thecredit

is

available

or

any

bank

in

the

case

of

acredit

available

with

any

bank.

Presentation

means

either

the

delivery

of

documentsunder

a

credit

to

the

issuing

bank

or

nominated

bank

orthe

documents

so

delivered.

Presenter

means

a

beneficiary,

bank

or

other

partythat

makes

a

presentation.9/21/202333Yuqiang

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Reserved第三十三页，共一百九十页。UCP600与UCP500的比较分析

删除了那些表达不确切、内容已过时及与国际贸易实务相脱节的条款条款总数由UCP500的49条缩减为39条，且不再分类删除了信用证“可撤销”的概念(Art.6

of

UCP500)删除了运输行单据条款(Art.39

of

UCP500)删除了运输单据之“不得含有载运船只仅以风帆为动力的批注”

(Art.23

of

UCP500)删除了运输单据之额外费用的列举条款(Art.33

of

UCP500)9/21/202334Yuqiang

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Reserved第三十四页，共一百九十页。UCP600与UCP500的比较分析确立了新的国际结算实务操作标准银行审核单据的时间缩短为5天

A

nominated

bank

acting

on

its

nomination,a

confirming

bank,

if

any,

and

the

issuingbank

shall

each

have

a

maximum

of

five

banking

days

following

the

day

of

presentation

to

determine

if

apresentation

is

complying.9/21/202335Yuqiang

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Reserved第三十五页，共一百九十页。UCP600与UCP500的比较分析明确了受益人对修改保持沉默不等于接受修改

A

provision

in

an

amendment

to

the

effectthat

the

amendment

shall

enter

into

force

unless

rejected

by

the

beneficiary

withina

certain

time

shall

bedisregarded.(Art.10)9/21/202336Yuqiang

@

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Reserved第三十六页，共一百九十页。UCP600与UCP500的比较分析增加了实务操作性条款即使单据遗失，开证行也必须付款（35条）Provided

that

the

stipulated

documents

are

presented

to

the

nominated

bankortothe

issuing

bank

and

that

they

constitute

a

complying

presentation,the

issuing

bank

must

honour

(Art.7)An

issuing

bank

is

irrevocably

boundtohonouras

of

the

time

it

issues

thecredit.

(Art.7)An

issuing

bank

undertakes

to

reimburse

a

nominated

bank

that

has

honoured

or

negotiated

a

complying

presentation

and

forwarded

the

documents

to

the

issuing

bank.

(Art.7)9/21/202337Yuqiang

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Reserved第三十七页，共一百九十页。An

irrevocable

Credit

constitutesd

a

definite

undertakingor

the

issuing

Bank,

provided

that

the

stipulated

documents

are

presented

tothe

Nominated

Bank

or

to

theIssuing

Bank

andthat

the

terms

and

conditions

of

theCredit

are

complied

with(Art.9

of

UCP500)如果发送单证相符单据给开证行的银行是一家被指定银行，而单据在途中遗失，那么开证行有责任付款，前提是单据以信用证规定的方式寄送，即当信用证规

定为挂号邮寄时，单据要按那种方式寄送，而不是通过快递公司。以非信用证

所要求的方式寄送单据的风险有被指定银行承担，而不是受益人承担。（ICC632/R429）9/21/202338Yuqiang

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Reserved第三十八页，共一百九十页。

If

a

nominated

bank

determines

that

a

presentation

iscomplying

and

forwards

the

documents

to

the

issuingbank

or

confirming

bank,

whether

or

not

the

nominatedbank

has

honoured

or

negotiated,

an

issuing

bank

orconfirming

bank

must

honour

or

negotiate,

orreimburse

that

nominated

bank,

even

when

the

documents

have

been

lost

in

transit

between

thenominated

bank

and

the

issuing

bank

or

confirming

bank,or

between

the

confirming

bank

and

the

issuingbank.(Art.35)9/21/202339Yuqiang

@

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Reserved第三十九页，共一百九十页。UCP600与UCP500的比较分析

拒付电增加了“持单至申请人放弃不付点”的选择

the

issuing

bank

is

holding

the

documents

until

it

receives

a

waiver

from

the

applicant

and

agrees

to

accept

it,

orreceives

further

instructions

from

thepresenter

prior

to

agreeing

to

accept

awaiver

(Art.16)9/21/202340Yuqiang

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Reserved第四十页，共一百九十页。UCP600与UCP500的比较分析建立了“单据必须满足其功能”的标准

If

a

credit

requires

presentation

of

adocument

other

than

a

transport

document,insurance

document

or

commercial

invoice,without

stipulating

by

whom

the

document

is

tobe

issued

or

its

data

content,

banks

willaccept

the

document

as

presented

if

its

content

appears

to

fulfil

the

function

of

the

required

document

and

otherwise

complies

withsub-article

14

(d

).9/21/202341Yuqiang

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Reserved第四十一页，共一百九十页。UCP600与UCP500的比较分析

When

documentsotherthan

transport

documents,

insurancedocuments

and

commercial

invoices

are

called

for,

the

Creditshould

stipulate

by

whom

such

documents

are

to

be

issued

and

theirwordingor

data

content.

If

the

Credit

does

not

so

stipulate,banks

will

accept

such

documents

as

presented,

provided

thattheir

data

content

is

not

inconsistent

with

any

other

stipulateddocument

presented.

(Art.21

of

UCP500)

当要求提供运输单据、保险单据和商业发票以外的单据时，信用证中应规定该单据的出票人及其措辞或内容。如信用证对此未作规定，只

要所提交单据的内容与提交的其它规定单据不矛盾，银行将接受此类单据。

（第21条）9/21/202342Yuqiang

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Reserved第四十二页，共一百九十页。UCP600与UCP500的比较分析明确开证行可以作为转让行转让自己开立的信用证

Transferring

bank

means

a

nominated

bank

thattransfers

the

credit

or,

in

a

credit

available

withany

bank,

a

bank

that

is

specifically

authorized

bythe

issuing

bank

to

transfer

and

that

transfers

thecredit.

An

issuing

bank

may

be

a

transferring

bank.(Art.38)9/21/202343Yuqiang

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Reserved第四十三页，共一百九十页。UCP600与UCP500的比较分析措辞更为简洁、严格、清晰、与时俱进关于简洁If

the

bill

of

lading

contains

the

indication“intended

vessel”,

or

similar

qualification

inrelation

to

thevessel,

loading

on

board

a

named

vessel

must

be

evidenced

by

an

on

board

notation

on

thebill

of

lading

which,

in

addition

to

the

date

on

whichthe

goods

have

been

loaded

on

board,

also

includesthename

of

the

vessel

on

which

the

goods

have

been

loaded,even

if

they

have

been

loaded

on

the

vessel

named

asthe“intended

vessel”.(Art.24

of

UCP500)[字符数（不计空格）360]9/21/202344Yuqiang

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Reserved第四十四页，共一百九十页。UCP600与UCP500的比较分析If

the

bill

of

lading

contains

the

indication

“intendedvessel”or

similar

qualification

inrelation

to

thename

of

thevessel,an

on

board

notationindicating

the

date

of

shipment

and

the

name

of

theactualvesselis

required.(Art.20

ofUCP600)[字符数（不计空格）189]9/21/202345Yuqiang

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Reserved第四十五页，共一百九十页。UCP600与UCP500的比较分析关于严格拒付通知的格式及内容：A

single

notice关于清晰措辞“and/or”修订为“or”，单、复数同义Where

applicable,

words

in

the

singular

include

the

plural

and

in

the

pluralinclude

the

singular.

(Art.3)关于与时俱进银行对因遭受恐怖袭击(acts

of

terrorism)导致银行停业所造成后果的免责删除了信用证“可撤销”的概念：A

credit

is

irrevocable

even

if

thereis

no

indication

to

that

effect.(Art.3)9/21/202346Yuqiang

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Reserved第四十六页，共一百九十页。UCP600实施后对不同当事人的影响ApplicantBeneficiaryPresenter9/21/202347Yuqiang

@

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Reserved第四十七页，共一百九十页。UCP600实施后对不同当事人的影响对申请人

Applicant

means

the

party

on

whose

request

thecredit

is

issued.（Art.

2）9/21/202348Yuqiang

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Reserved第四十八页，共一百九十页。UCP600实施后对不同当事人的影响

A

credit

by

its

nature

is

a

separate

transaction

fromthe

sale

or

other

contract

on

which

it

may

be

based.

…the

undertaking

of

a

bank

to

honour,

to

negotiate

orto

fulfil

any

other

obligation

under

the

credit

is

not

subject

to

claims

or

defences

by

the

applicantresulting

from

its

relationships

with

the

issuingbank

or

the

beneficiary.

(Art.

4)9/21/202349Yuqiang

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Reserved第四十九页，共一百九十页。UCP600实施后对不同当事人的影响

A

beneficiary

can

in

no

case

avail

itself

of

thecontractual

relationships

existing

betweenbanks

or

between

the

applicant

and

the

issuingbank.

(Art.4)9/21/202350Yuqiang

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Reserved第五十页，共一百九十页。UCP600实施后对不同当事人的影响

An

issuing

bank

should

discourage

any

attempt

bythe

applicant

to

include,

as

an

integral

part

ofthe

credit,

copies

of

the

underlying

contract,proforma

invoice

and

the

like.

(Art.4)9/21/202351Yuqiang

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Reserved第五十一页，共一百九十页。UCP600实施后对不同当事人的影响

A

credit

must

not

be

issued

available

by

a

draft

drawnon

the

applicant.

(Art.6)9/21/202352Yuqiang

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Reserved第五十二页，共一百九十页。UCP600实施后对不同当事人的影响

When

the

addresses

of

the

beneficiary

and

the

applicant

appearin

any

stipulated

document,

they

need

not

be

the

same

as

thosestated

in

the

credit

or

in

any

other

stipulated

document,

butmust

be

within

the

same

country

as

the

respective

addressesmentioned

in

the

credit.

Contact

details

(telefax,

telephone,email

and

the

like)

stated

as

part

of

the

beneficiary’s

and

theapplicant’s

address

will

be

disregarded.

However,

when

theaddress

and

contact

details

of

the

applicant

appear

as

part

ofthe

consignee

or

notify

party

details

on

a

transport

documentsubject

to

articles

19,

20,

21,

22,

23,

24

or

25,

they

must

be

asstated

in

the

credit.

(Art.14)9/21/202353Yuqiang

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Reserved第五十三页，共一百九十页。UCP600实施后对不同当事人的影响

When

an

issuing

bank

determines

that

a

presentationdoes

not

comply,

it

may

in

its

sole

judgement

approachthe

applicant

for

a

waiver

of

the

discrepancies.

Thisdoes

not,

however,

extend

the

period

mentioned

in

sub-article

14

(b).

(Art.16)9/21/202354Yuqiang

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Reserved第五十四页，共一百九十页。UCP600实施后对不同当事人的影响

A

commercial

invoice…must

be

made

out

in

the

name

ofthe

applicant

(except

as

provided

in

sub-article

38(g))(Art.18)9/21/202355Yuqiang

@

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Reserved第五十五页，共一百九十页。UCP600实施后对不同当事人的影响

A

bank

utilizing

the

services

of

another

bank

forthe

purpose

of

giving

effect

to

the

instructions

ofthe

applicant

does

so

for

the

account

and

at

the

riskof

the

applicant.(Art.37)9/21/202356Yuqiang

@

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Reserved第五十六页，共一百九十页。UCP600实施后对不同当事人的影响对受益人

Beneficiary

means

the

party

in

whose

favour

a

creditis

issued.(Art.2)9/21/202357Yuqiang

@

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Reserved第五十七页，共一百九十页。UCP600实施后对不同当事人的影响Honour

means:a.to

pay

at

sight

if

the

credit

is

available

bysight

payment.b.to

incur

a

deferred

payment

undertaking

andpay

at

maturity

if

the

credit

is

available

bydeferred

payment.c.to

accept

a

bill

of

exchange

(“draft”)

drawn

bythe

beneficiary

and

pay

at

maturity

if

the

creditis

available

by

acceptance.9/21/202358Yuqiang

@

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Reserved第五十八页，共一百九十页。UCP600实施后对不同当事人的影响

Negotiation

means

the

purchase

by

the

nominated

bank

ofdrafts

(drawn

on

a

bank

other

than

the

nominated

bank)and/or

documents

under

a

complying

presentation,

byadvancing

or

agreeing

to

advance

funds

to

thebeneficiary

on

or

before

the

banking

day

on

whichreimbursement

is

due

to

the

nominated

bank.(Art.2)9/21/202359Yuqiang

@

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Reserved第五十九页，共一百九十页。UCP600实施后对不同当事人的影响

Presenter

means

a

beneficiary,

bank

or

other

partythat

makes

a

presentation.(Art.2)9/21/202360Yuqiang

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Reserved第六十页，共一百九十页。UCP600实施后对不同当事人的影响

Terms

such

as

"first

class",

"well

known","qualified",

"independent",

"official","competent"

or

"local"

used

to

describe

the

issuerof

a

documentallowany

issuer

except

thebeneficiary

to

issue

that

document.(Art.3)9/21/202361Yuqiang

@

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Reserved第六十一页，共一百九十页。UCP600实施后对不同当事人的影响

A

beneficiary

can

in

no

case

avail

itself

of

thecontractual

relationships

existing

between

banksor

between

the

applicant

and

the

issuingbank.(Art.4)9/21/202362Yuqiang

@

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Reserved第六十二页，共一百九十页。UCP600实施后对不同当事人的影响

Except

as

provided

in

sub-article

29

(a),

apresentation

by

or

on

behalf

of

the

beneficiary

must

bemade

on

or

before

the

expiry

date.

(Art.6)9/21/202363Yuqiang

@

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Reserved第六十三页，共一百九十页。UCP600实施后对不同当事人的影响

Except

as

otherwise

provided

by

article

38,

a

creditcan

neither

be

amended

nor

cancelled

without

theagreement

of

the

issuing

bank,

the

confirming

bank,if

any,

and

the

beneficiary.(Art.10)9/21/202364Yuqiang

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Res