四信用證業(yè)務(wù)申請開證和開證

國際結(jié)算操作主講人：章安平

貨物描述單據(jù)條款三期運輸條款開證申請書一般一式三聯(lián)，第一聯(lián)是銀行結(jié)算部門留存，第二聯(lián)是銀行信貸部門留存，第三聯(lián)客戶（開證申請人）留存，用英文填寫。任務(wù)1：

第二步進口商填寫開證申請書任務(wù)1：

第二步進口商填寫開證申請書IRREVOCABLEDOCUMENTARYCREDITAPPLICATION(1)To:AgriculturalBankofChina,ZhejiangBranch(2)Date:Jun.20,2013(3)（）IssuebyairmailCreditNo.（）Withbriefadvicebyteletransmission（×）Issuebyteletransmission(19)Dateandplaceofexpiry

（）Issuebyexpress任務(wù)1：

第二步進口商填寫開證申請書(4)Applicant(5)BeneficiaryZhejiangLiminImportAndExportCo.,Ltd.No.66FengtanStreet,Hangzhou,P.R.ChinaMatsuyaCorporation1-12-2Niina,Mino,Osaka,Japan(6)AdvisingBank(7)Amount:USD360000.00DaiwaBankOsakaToyonakaBranchSay:USDThreeHundredandSixtyThousandonly任務(wù)1：

第二步進口商填寫開證申請書(8)Partialshipments(9)Transshipment(14)CreditavailablewithanybankinJapan

（）allowed（×）notallowed（）allowed（×）notallowedBy（）sightpayment（）acceptance（×）negotiation（）deferredpaymentatagainstthedocumentsdetailedherein(15)（×）andbeneficiary'sdraft(s)for100%ofinvoicevalueat180daysafterB/Ldatedrawnonissuingbank

(10)Loadingonboard:Japaneseport(11)notlaterthan:

Sep.30,2013(12)Fortransportationto:

Shanghai,China(13)（）FOB（）CFR（×）CIF（）otherterms任務(wù)1：

第二步進口商填寫開證申請書(16)Documentsrequired:(markedwith×)1.（×）Signedcommercialinvoicein5copiesindicatingL/CNo.andContractNo.MC2013106

2.（×）FullsetofcleanonboardBillsofLadingmadeouttoorderandblankendorsed,marked“freight[]tocollect/[×]prepaid”notifyingtheapplicant

（）Airwaybills/cargoreceipt/copyofrailwaybillsissuedby

showing“freight[]tocollect/[]prepaid”[]indicatingfreightamountandconsignedto____________3.（×）InsurancePolicy/Certificateinduplicatefor110%oftheinvoicevalueshowingclaimspayableinChinablankendorsed,coveringAllRisks4.（×）PackingList/WeightMemoin5copiesindicatingquantity,grossandnetweightsofeachpackage.任務(wù)1：

第二步進口商填寫開證申請書5.（×）CertificateofQualityin2copiesissuedby_theManufacturer.6.（×）CertificateofOriginin1copiesissuedbytheManufacturer.7.（×）Beneficiary'scertifiedcopyoffaxsendtotheapplicantwithin2daysaftershipmentadvisingL/CNo.,nameofvessel,dateofshipment,name,quantity,weightandvalueofgoods.（×）Otherdocuments,ifanyBeneficiary’sCertificateconfirmingthatonesetoftheabovementionnon-negotiabledocumentshavebeensenttotheapplicantbyDHLwithin3workingdaysafterB/Ldate.(17)Descriptionofgoods:SNET-HWeldingMachine,24sets,USD15000.00/setCIFShanghai,China任務(wù)1：

第二步進口商填寫開證申請書(18)Additionalinstructions:1.（×）Allbankingchargesoutsidetheopeningbankareforbeneficiary'saccount.2.（×）Documentsmustbepresentedwithin15daysafterdateofshipmentbutwithinthevalidityofthiscredit（）Otherterms,ifany(20)STAMPOFAPPLICANT:任務(wù)1：

第二步進口商填寫開證申請書IRREVOCABLEDOCUMENTARYCREDITAPPLICATION(1)To:AgriculturalBankofChina,ZhejiangBranch(2)Date:Jun.20,2013(3)（）IssuebyairmailCreditNo.（）Withbriefadvicebyteletransmission（×）Issuebyteletransmission(19)Dateandplaceofexpiry

（）IssuebyexpressOct.15,2013,inJapan任務(wù)1：

第二步進口商填寫開證申請書(18)Additionalinstructions:1.（×）Allbankingchargesoutsidetheopeningbankareforbeneficiary'saccount.2.（×）Documentsmustbepresentedwithin15daysafterdateofshipmentbutwithinthevalidityofthiscredit（）Otherterms,ifany(20)STAMPOFAPPLICANT:浙江黎民進出口有限公司唐黎民任務(wù)1：第三步準(zhǔn)備申請開開證相關(guān)材材料并辦理理開證申請請王杰把填寫寫好的申請請開證所需需的開證申申請書、進進口貿(mào)易合合同副本、、減免保證證金開證呈呈批表以及及其他相關(guān)關(guān)文件交中中國農(nóng)業(yè)銀銀行浙江省省分行國際際業(yè)務(wù)部，，辦理申請請開證手續(xù)續(xù)。任務(wù)2：開證行辦辦理開證手手續(xù)中國農(nóng)業(yè)銀銀行浙江省省分行國際際業(yè)務(wù)部對對浙江黎民民進出口有有限公司提提交的相關(guān)關(guān)材料進行行審核。審審核通過后后，6月25日，中國農(nóng)農(nóng)業(yè)銀行浙浙江省分行行國際業(yè)務(wù)務(wù)部職員屠屠軍須根據(jù)據(jù)開證申請請書填制信信用證MT700報文各項內(nèi)內(nèi)容，審核核無誤后通通過SWIFT發(fā)送給通知知行。導(dǎo)入項目【任務(wù)完成】14第一步第二步審核開證申申請書和其其他申請開開證材料根據(jù)開證申申請書制作作MT700報文并辦理理開證任務(wù)2的操作步驟驟任務(wù)2：第第一步審核開證申申請書和其其他申請開開證材料1、審查開開證申請人人基本情況況申請人資格格審查：境境內(nèi)注冊且且有進出口口經(jīng)營權(quán)。。申請人資信信審查：重重點審查申申請人的財財務(wù)狀況、、履約能力力、償債能能力等直接接關(guān)系到開開證付匯風(fēng)風(fēng)險方面內(nèi)內(nèi)容。貿(mào)易背景審審查：信用用證必須以以真實貿(mào)易易背景為基基礎(chǔ)，不得得開立無貿(mào)貿(mào)易背景的的信用證。。為降低開開證風(fēng)險，，還需重點點了解進口口貨物國內(nèi)內(nèi)外市場情情況。對于于市場價格格波動較大大的進口貨貨物，開證證時尤為慎慎重。任務(wù)2：第一步審核開證申申請書和其其他申請開開證材料2、審核客客戶材料申請人應(yīng)列列入外匯管管理局公布布的對外付付匯進口單單位名錄，，否則應(yīng)提提交外匯管管理局簽發(fā)發(fā)的核準(zhǔn)件件；進口貿(mào)易合合同（復(fù)印印件）應(yīng)有有進出口雙雙方簽章，，合同上貨貨物同進口口開證貨物物一致；按外經(jīng)外管管規(guī)定，如如需提供進進口商品許許可證、進進料加工手手冊、批文文、備案表表等；代理進口協(xié)協(xié)議（代理理進口時））；營業(yè)執(zhí)照復(fù)復(fù)印件和企企業(yè)代碼復(fù)復(fù)印件（首首次辦理業(yè)業(yè)務(wù)時）；；開證所需的的其它材料料。任務(wù)2：第一步審核開證申申請書和其其他申請開開證材料3、審核開開證呈批表表除全額保證證金以外，，進口開證證必須在占占用客戶的的授信額度度。如果客客戶在我行行沒有授信信額度或該該筆業(yè)務(wù)超超過客戶授授信額度，，本著“先先授信，后后開證”的的原則，應(yīng)應(yīng)按照規(guī)定定，對客戶戶進行授信信。根據(jù)客客戶授信評評級的不同同，免收或或收取一定定比例的保保證金。審核開證呈呈批表時，，重點審核核該筆信用用證金額是是否在客戶戶授信額度度內(nèi)，客戶戶授信是否否在授信有有效期內(nèi)，，是否落實實了足額的的付款保證證，各有關(guān)關(guān)部門及有有權(quán)審批人人是否簽署署意見。本業(yè)務(wù)信用用證金額USD360000.00在在USD1000000.00授信額額度內(nèi)。任務(wù)2：第一步審核開證申申請書和其其他申請開開證材料4、審核開開證申請書書審核開證申申請書須經(jīng)經(jīng)申請人有有效簽章。。開證申請書書如有更改改，應(yīng)要求求申請人簽簽章確認。。開立信用證證指示必須須完整明確確，為防范范混淆誤解解，開證行行應(yīng)勸阻申申請人將過過多細節(jié)載載入信用證證。開證申請書上上的條款不能能相互矛盾。。任務(wù)2：第二步根據(jù)開開證申請書制制作MT700報文并辦辦理開證1、制作MT700報文文6月25日，，中國農(nóng)業(yè)銀銀行浙江省分分行國際業(yè)務(wù)務(wù)部職員屠軍軍根據(jù)開證申申請書填制以以下信用證MT700報報文各項內(nèi)容容。如果信用用證內(nèi)容超過過MT700的容量，則則需增加MT701報文文。MT700MT700MT700MT7011、制作MT700報文文MT700ISSUEOFADOCUMENTARYCREDIT27:SEQUENCEOFTOTAL1/140A:FORMOFDOCUMENTARYCREDITIRREVOCABLE20:DOCUMENTARYCREDITNUMBER111LC130789631C:DATEOFISSUE1306251、制作MT700報文文MT700ISSUEOFADOCUMENTARYCREDIT27:SEQUENCEOFTOTAL1/140A:FORMOFDOCUMENTARYCREDITIRREVOCABLE20:DOCUMENTARYCREDITNUMBER111LC130789631C:DATEOFISSUE130625IRREVOCABLEIRREVOCABLETRANSFERABLEIRREVOCABLESTANDBY1、制作MT700報文文MT700ISSUEOFADOCUMENTARYCREDIT27:SEQUENCEOFTOTAL1/140A:FORMOFDOCUMENTARYCREDITIRREVOCABLE20:DOCUMENTARYCREDITNUMBER111LC130789631C:DATEOFISSUE1306251、制作MT700報文文MT700ISSUEOFADOCUMENTARYCREDIT27:SEQUENCEOFTOTAL1/140A:FORMOFDOCUMENTARYCREDITIRREVOCABLE20:DOCUMENTARYCREDITNUMBER111LC130789631C:DATEOFISSUE1306251、制作MT700報文文40E:APPLICABLERULESUCPLATESTVERSION31D:DATEANDPLACEOFEXPIRY131015JAPAN50:APPLICANTZHEJIANGLIMINIMPORTANDEXPORTCO.,LTD.NO.66FENGTANSTREET,HANGZHOU,P.R.CHINA59:BENEFICIARYMATSUYACORPORATION1-12-2NIINA,MINO,OSAKA,JAPAN1、制作MT700報文文40E:APPLICABLERULESUCPLATESTVERSION31D:DATEANDPLACEOFEXPIRY131015JAPAN50:APPLICANTZHEJIANGLIMINIMPORTANDEXPORTCO.,LTD.NO.66FENGTANSTREET,HANGZHOU,P.R.CHINA59:BENEFICIARYMATSUYACORPORATION1-12-2NIINA,MINO,OSAKA,JAPAN1、制作MT700報文文40E:APPLICABLERULESUCPLATESTVERSION31D:DATEANDPLACEOFEXPIRY131015JAPAN50:APPLICANTZHEJIANGLIMINIMPORTANDEXPORTCO.,LTD.NO.66FENGTANSTREET,HANGZHOU,P.R.CHINA59:BENEFICIARYMATSUYACORPORATION1-12-2NIINA,MINO,OSAKA,JAPAN1、制作MT700報文文32B:CURRENCYCODE,AMOUNTUSD360000,0041A:AVAILABLEWITH…BY…ANYBANKINJAPANBYNEGOTIATION42C:DRAFTSAT…AT180DAYSAFTERB/LDATE42A:DRAWEEABOCCNBJ1101、制作MT700報文文32B:CURRENCYCODE,AMOUNTUSD360000.0041A:AVAILABLEWITH…BY…ANYBANKINJAPANBYNEGOTIATION42C:DRAFTSAT…AT180DAYSAFTERB/LDATE42A:DRAWEEABOCCNBJ1101、制作MT700報文文32B:CURRENCYCODE,AMOUNTUSD360000.0041A:AVAILABLEWITH…BY…ANYBANKINJAPANBYNEGOTIATION42C:DRAFTSAT…AT180DAYSAFTERB/LDATE42A:DRAWEEABOCCNBJ1101、制作MT700報文文32B:CURRENCYCODE,AMOUNTUSD360000.0041A:AVAILABLEWITH…BY…ANYBANKINJAPANBYNEGOTIATION42C:DRAFTSAT…AT180DAYSAFTERB/LDATE42A:DRAWEEABOCCNBJ1101、制作MT700報文文43P:PARTIALSHIPMENTSPROHIBITED43T:TRANSSHIPMENTPROHIBITED44E:PORTOFLOADING/AIRPORTOFDEPARTUREJAPANESEPORT44F:PORTOFDISCHARGE/AIRPORTOFDESTINATIONSHANGHAI,CHINA44C:LATESTDATEOFSHIPMENT1309301、制作MT700報文文43P:PARTIALSHIPMENTSPROHIBITED43T:TRANSSHIPMENTPROHIBITED44E:PORTOFLOADING/AIRPORTOFDEPARTUREJAPANESEPORT44F:PORTOFDISCHARGE/AIRPORTOFDESTINATIONSHANGHAI,CHINA44C:LATESTDATEOFSHIPMENT1309301、制作MT700報文文43P:PARTIALSHIPMENTSPROHIBITED43T:TRANSSHIPMENTPROHIBITED44E:PORTOFLOADING/AIRPORTOFDEPARTUREJAPANESEPORT44F:PORTOFDISCHARGE/AIRPORTOFDESTINATIONSHANGHAI,CHINA44C:LATESTDATEOFSHIPMENT1309301、制作MT700報文文45A:DESCRIPTIONOFGOODS&/ORSERVICESSNET-HWELDINGMACHINE,24SETS,USD15000.00/SETCIFSHANGHAI,CHINA46A:DOCUMENTSREQUIRED1.SIGNEDCOMMERCIALINVOICEIN5COPIESINDICATINGL/CNO.ANDCONTRACTNO.MC20131062.PACKINGLIST5COPIESINDICATINGQUANTITY,GROSSANDNETWEIGHTSOFEACHPACKAGE.3.FULLSETOFCLEAN‘ONBOARD’OCEANBILLSOFLADINGMADEOUTTOORDERANDBLANKENDORSED,MARKED‘FREIGHTPREPAID’ANDNOTIFYAPPLICANT.1、制作MT700報文文45A:DESCRIPTIONOFGOODS&/ORSERVICESSNET-HWELDINGMACHINE,24SETS,USD15000.00/SETCIFSHANGHAI,CHINA46A:DOCUMENTSREQUIRED1.SIGNEDCOMMERCIALINVOICEIN5COPIESINDICATINGL/CNO.ANDCONTRACTNO.MC20131062.PACKINGLIST5COPIESINDICATINGQUANTITY,GROSSANDNETWEIGHTSOFEACHPACKAGE.3.FULLSETOFCLEAN‘ONBOARD’OCEANBILLSOFLADINGMADEOUTTOORDERANDBLANKENDORSED,MARKED‘FREIGHTPREPAID’ANDNOTIFYAPPLICANT.1、制作MT700報文文46A:DOCUMENTSREQUIRED4.CERTIFICATEOFQUALITYIN2COPIESISSUEDBYTHEMANUFACTURER.5.CERTIFICATEOFORIGININ1COPYISSUEDBYTHEMANUFACTURER.6.BENEFICIARY'SCERTIFIEDCOPYOFFAXSENDTOTHEAPPLICANTWITHINTHREEWORKINGDAYSAFTERSHIPMENTADVISINGL/CNO.,NAMEOFVESSEL,DATEOFSHIPMENT,NAME,QUANTITY,WEIGHTANDVALUEOFGOODS.7.BENEFICIARY’SCERTIFICATECONFIRMINGTHATONESETOFTHEABOVEMENTIONNON-NEGOTIABLEDOCUMENTSHAVEBEENSENTTOTHEAPPLICANTBYDHLWITHIN3WORKINGDAYSAFTERB/LDATE.1、制作MT700報文文47A:ADDITIONALCONDITIONS1.AFEEOFUSD50.00OREQUIVALENTWILLBEDEDUCTEDFROMTHEPROCEEDSFOREACHPRESENTATIONOFDISCREPANTDOCUMENTSUNDERTHISCREDIT.ACCEPTANCEOFANYDISCREPANTDOCUMENTSTHEREUNDERDOESNOWAYAMENDOURL/CCONDITION,EACHSETOFDOCUMENTSUNDERTHISL/CBEARINGSAMEDISCREPANCYWILLBEDETERMINEDONACASE-BY-CASEBASIS.2.DOCUMENTSPRESENTEDWITHDISCREPANCIESWILLBEREJECTED.WEWILLHOLDTHEDOCUMENTSUNTILWERECEIVEAWAIVERFROMTHEAPPLICANTANDAGREETOACCEPTITORRECEIVEYOURFURTHERINSTRUCTIONSPRIORTOAGREEINGTOACCEPTAWAIVER.3.PLSRELEASETHISL/CTOBENEFICIARYAFTERALLYOURADVISINGCOMMISSIONSCOLLECTED.1、制作MT700報文文71B:CHARGESALLBANKINGCHARGESOUTSIDETHEISSUINGBANKAREFORACCOUNTOFBENEFICIARY.48:PERIODFORPRESENTATIONDOCUMENTSMUSTBEPRESENTEDWITHIN15DAYSAFTERSHIPMENTDATE,BUTWITHINTHEVALIDITYOFTHISCREDIT.49:CONFIRMATIONINSTRUCTIONWITHOUT1、制作MT700報文文71B:CHARGESALLBANKINGCHARGESOUTSIDETHEISSUINGBANKAREFORACCOUNTOFBENEFICIARY.48:PERIODFORPRESENTATIONDOCUMENTSMUSTBEPRESENTEDWITHIN15DAYSAFTERSHIPMENTDATE,BUTWITHINTHEVALIDITYOFTHISCREDIT.49:CONFIRMATIONINSTRUCTIONWITHOUT(1)CONFIRM(2)MAYADD(3)WITHOUT1、制作MT700報文文78:INSTRUCTIONTOPAYING/ACCEPTING/NEGOTIATINGBANK1.ALLDOCUMENTSTOBESENTDIRECTLYTOTHEAGRICULTURALBANKOFCHINA,ZHEJIANGBRANCH,INTERNATIONALDEPT.,NO.30QINGCHUNROAD,HANGZHOU310012,P.R.CHINAINONELOTBYCOURIERSERVICE.2.WEWILLHONOURUPONRECEIPTOFTHESTIPULATEDDOCUMENTSWHICHCONSTITUTEACOMPLYINGPRESENTATION.3.THISCREDITISSUBJECTTOUCPDC(2007REVISION)ICCPUBLICATIONNO.600.1、制作MT700報文文78:INSTRUCTIONTOPAYING/ACCEPTING/NEGOTIATINGBANK1.ALLDOCUMENTSTOBESENTDIRECTLYTOTHEAGRICULTURALBANKOFCHINA,ZHEJIANGBRANCH,INTERNATIONALDEPT.,NO.30QINGCHUNROAD,HANGZHOU310012,P.R.CHINAINONELOTBYCOURIERSERVICE.2.WEWILLHONOURUPONRECEIPTOFTHESTIPULATEDDOCUMENTSWHICHCONSTITUTEACOMPLYINGPRESENTATION.3.THISCREDITISSUBJECTTOUCPDC(2007REVISION)ICCPUBLICATIONNO.600.寄單指示：應(yīng)應(yīng)明確寄單地地址、寄單次次數(shù)、寄單方方式（快郵寄寄單）。通常常情況下，大大額開證分兩兩次寄單。1、制作MT700報文文78:INSTRUCTIONTOPAYING/ACCEPTING/NEGOTIATINGBANK1.ALLDOCUMENTSTOBESENTDIRECTLYTOTHEAGRICULTURALBANKOFCHINA,ZHEJIANGBRANCH,INTERNATIONALDEPT.,NO.30QINGCHUNROAD,HANGZHOU310012,P.R.CHINAINONELOTBYCOURIERSERVICE.2.WEWILLHONOURUPONRECEIPTOFTHESTIPULATEDDOCUMENTSWHICHCONSTITUTEACOMPLYINGPRESENTATION.3.THISCREDITISSUBJECTTOUCPDC(2007REVISION)ICCPUBLICATIONNO.600.申請人指定通通知行：如果申請人人指定的通知知行為我行代代理行，則可可以；如果非非我行代理行行，應(yīng)聯(lián)系其其更改，如申申請人堅持使使用其指定的的，可選擇我我行代理行進進行轉(zhuǎn)通知，，但對由此引引起的延誤和和費用我行不不負責(zé)。申請人未指定定通知行：選擇受益人人所在地我行行境外分行或或代理行；如如受益人所在在地沒有我行行境外分行或或代理行，可可選擇通過鄰鄰近地區(qū)代理理行轉(zhuǎn)通知。。選擇通知行原原則：在一個國家家或許多代理理行可供選擇擇情況下，應(yīng)應(yīng)考慮代理行行的資信狀況況，優(yōu)先選擇擇資信較好、、服務(wù)優(yōu)良的的代理行，同同時應(yīng)符合我我行代理行營營銷策略。2、選擇通知行行登記：經(jīng)辦人員應(yīng)應(yīng)在業(yè)務(wù)處理理系統(tǒng)或進口口信用證業(yè)務(wù)務(wù)登記簿上進進行登記。登登記的主要內(nèi)內(nèi)容包括：經(jīng)經(jīng)辦行、信用用證號、開證證申請人、通通知行、開證證日期、開證證幣種和金額額等。復(fù)核：經(jīng)辦人員完完成MT700報文制作作后，將所有有開證材料交交復(fù)核人員進進行復(fù)核。復(fù)復(fù)核人員復(fù)核核無誤并在有有關(guān)憑證上簽簽字后，按照照開證行內(nèi)部部授權(quán)程序開開出信用證。。信開信用證證應(yīng)由對外有有權(quán)簽字人簽簽字后方可寄寄出。3、登記與復(fù)核核收費：經(jīng)辦人員按按開證行費率率表的收費標(biāo)標(biāo)準(zhǔn)，收取開開證手續(xù)費、、郵電費及其其他相關(guān)費用用。如果信用用證規(guī)定某些些費用由受益益人承擔(dān)，但但無法向受益益人收取時，，仍由申請人人承擔(dān)。歸檔：信用證開出出后，按照一一證一檔的原原則，將開證證相關(guān)材料歸歸檔。信用證證檔案已辦包包括減免保證證金開證申批批表、開證申申請書、合同同副本及其附附屬證明文件件、信用證留留底。4、收費與歸檔檔9、靜夜四無鄰鄰，荒居舊業(yè)業(yè)貧。。1月-231月-23Friday,January6,202310、雨中中黃葉葉樹，，燈下下白頭頭人。。。00:40:4600:40:4600:401/6/202312:40:46AM11、以我我獨沈沈久，，愧君君相見見頻。。。1月-2300:40:4600:40Jan-2306-Jan-2312、故故人人江江海海別別，，幾幾度度隔隔山山川川。。。。00:40:4600:40:4600:40Friday,January6,202313、乍見翻翻疑夢，，相悲各各問年。。。1月-231月-2300:40:4600:40:46January6,202314、他鄉(xiāng)生白白發(fā)，舊國國見青山。。。06一月月202312:40:46上上午00:40:461月-2315、比不了了得就不不比，得得不到的的就不要要。。。一月2312:40上上午1月-2300:40January6,202316、行動出成成果，工作作出財富。。。2023/1/60:40:4600:40:4606January202317、做前前，能能夠環(huán)環(huán)視四四周；；做時時，你你只能能或者者最好好沿著著以腳腳為起起點的的射線線向前前。。。12:40:46上上午午12:40上上午00:40:461月-239、沒沒有有失失敗敗，，只只有有暫暫時時停停止止成成功功??！。。1月月-231月月-23Friday,January6,202310、很多多事情情努力力了未未必有有結(jié)果果，但但是不不努力力卻什什么改改變也也沒有有。。。00:40:4600:40:4600:401/6/202312:40:46AM11、成功