L.C信用證公共課

L.C信用證公共課LetterofCredit(L/C)Contents1

AnOverviewofL/C2

ProceduresofL/C3

Typesofcredit4

KeyIssuesunderL/C1.AnOverviewofL/CAmongvariouswaysofpaymentininternationaltrade,L/Cisthemostcommonlyusedmeansofpayment,becauseitisreliableandsafe.1.1DefinitionofL/CAL/Cisawrittenundertaking（書(shū)面承諾）byaissuingbank（開(kāi)證銀行）giventotheseller/beneficiary（賣方/受益人）attherequest,andontheinstruction,ofthebuyer/applicant（買方/申請(qǐng)人）topayatsightoratadeterminablefuturedateuptoastatedsumofmoney,withinaprescribedtimelimitandagainststipulateddocuments（憑規(guī)定的單據(jù)）whichwerecompliedwiththetermsandconditionsofthecredit.1.2

ContentsofaL/C1.Typeofthecredit（信用證類型）2.Creditnumber（信用證號(hào)碼）3.PlaceandDateofissue（簽發(fā)地點(diǎn)和日期）4.Dateandplaceofexpiry（到期日期和地點(diǎn)）5.Applicant（開(kāi)證申請(qǐng)人）6.Beneficiary（受益人）7.Advisingbank（通知行）8.Amountofcredit（信用證的金額）9.Nominatedbankandcreditavailability（指定銀行和可用信用證）10.Partialshipment（分批裝運(yùn)）1.2

ContentsofaL/C11.Transshipment（轉(zhuǎn)運(yùn)）12.Insuranceclause（保險(xiǎn)條款）13.Shipmentaddress（裝運(yùn)地）14—20.Documentsneedtobepresented（需要提交的文件）21.Thelatestdateforpresentationofthedocuments（提交文件的最近日期）22.Advisinginstruction（建議）23.Banktobankinstruction（銀行對(duì)銀行指令）24.Numberofpages（頁(yè)數(shù)）25.Signature（簽名）1.3PartiesinvolvedinaL/C

ApplicantoropenerIssuingbankoropeningbank（開(kāi)證行）AdvisingbankBeneficiaryNegotiatingbank（議付行）Confirmingbank（保兌行）2.ProceduresofL/CSeller/BeneficiaryAdvisingbank/DesignatedbankBuyer/ApplicantIssuing

bankShippingcompany①contract②applicationandcashdeposits③opensaL/C④adviseL/C⑤examineandrequireanamendment(修正案)

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preparedocuments⑦payment⑧Forwardsdocumentsandclaimingreimbursement⑨examinedocumentsandaskthebuyertoredeem⑩pickupgoods2.ProceduresofL/CStep1:Abuyerandasellerenterintoasalescontractprovidingpaymentbyadocumentarycredit.Step2:Thebuyerinstructstheissuingbanktoissueadocumentarycreditinfavoroftheseller.Step3:Theissuingbankopensadocumentarycreditaccordingtotheinstructionsoftheapplicant.2.ProceduresofL/CStep4:Theissuingbankasksanotherbank,usuallyinthecountryoftheseller,toadviseandperhapsalsotoadditsconfirmationtothedocumentarycredit.Step5：Thesellerexaminesthedocumentarycredit,andrequiresanamendmentofthecreditifnecessary.

Step6:Thesellerexaminesthedocumentarycreditandpreparesfortherequireddocuments.2.ProceduresofL/CStep7:Thesellerpresentshisdocumentstotheadvisingbankforsettlement.Step8:Thenegotiatingbankforwardsdocumentstotheissuingbank,claimingreimbursementasagreedbetweenthetwobanks.Step9:Theissuingbankexaminesthedocumentsandreimbursesthenegotiatingbank.Step10:Thebuyerredeemsthedocumentsandpicksupthegoodsagainstthedocuments.3.Typesofcredit1.Accordingtotheattachingofdocuments1)Clean（光票）credit

2)Documentary（跟單）credit2.Accordingtotherevocability（可撤銷）ofcredit

1)Revocablecredit2)Irrevocablecredit3.Accordingtothetransferability（可轉(zhuǎn)讓）ofcredit1)Transferablecredit

2)Non-transferablecredit4.Accordingtotheaddingofconfirmation

1)Confirmed（保兌）credit

2)Unconfirmedcredit5.Accordingtothetimeofpayment

1)Sightcredit2)Usanceortimecredit3.Typesofcredit6.Accordingtothemethodofpayment1)SightPayment（即期付款）credit

2)Deferredpayment（延期付款）credit3)Acceptance（承兌）credit

4)Negotiation（議付）credit7.Accordingtothecreditamounttobeusedrevolvingly

1)Automatic（自動(dòng)式循環(huán)）

2)Semi-automatic（半自動(dòng)式循環(huán)）

3)Non-automatic（非自動(dòng)式循環(huán)）

8.Othercredits1)Redclause（預(yù)支）credit

2)Backtoback（背對(duì)背）credit3)Reciprocal（對(duì)開(kāi)）credit4.KeyIssuesunderL/C4.1UrgingEstablishmentofL/CloadThestructureofwritingaletterurgingestablishmentofL/C:1.Opentheletterinapositiveway.Forexle,inthefirstparagraphthesellerusuallyinformsthebuyerthatthegoodsarereadyfordispatchorthattheshippingspacehasalreadybeenbooked.2.PolitelypushthebuyerstoopentheL/Cwithoutdelay,eitherbyreferringtothestipulationsofthecontractorbyremindingthebuyersoftheseriousnessofnotopeningtheL/Cintime.3. Expressexpectationsandaskthebuyerstotakeimmediateaction.SleLetter

DearSirs:

Withregardto150metrictonsofchemicalfertilizersunderS/CNo.005,wehavegotthegoodsreadyforshipmentonscheduleascontracted.Asthedateofshipmentisdrawingnear,wewonderwhetheryouhaveopenedtherelevantL/Cforthefirst75M/TforshipmentduringMay/June.PleaseopentheL/Cassoonaspossiblesoastoenableustoexecuteyourordersmoothly.

InordertoavoidsubsequentL/Camendment,pleaseseetoitthattheL/Cstipulationsareinexactaccordancewiththecontractterms.

Yourpromptreplywillbeappreciated.

Yoursfaithfully4.KeyIssuesunderL/C4.2L/CAmendment&Extensionload,,,ThestructureofwritingaletteraskingforL/Camendmentorextension:1.AcknowledgereceiptoftheL/Candthankthebuyerforopeningit.2. Pointouttheproblempolitelyandaskthebuyertomaketheamendmentaccordingly.Usually, detailedandcourteousexplanationsforsucharequestshouldbeprovided.3. Endtheletterinawaythatencouragesthe buyertotakeimmediateaction.SleLetterDearSirs,WearenowpleasedtoinformyouthatL/CNo.211issuedbytheDeutschBankforourS/Cno.005hasjustbeenreceived.However,uponcheckingtheclausesco