信用证付款流程条款样本SWIFT电文

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外贸流程详细讲解,信用证付款流程条款样本 完整的SWIFT电文


信用证是19世纪发生的一次国际贸易支付方式上的革命,这种支付方式首次使不在交货现场的买卖双方在履行合同时处于同等地位,在一定程度上使他们重新找回了"一手交钱,一手交货"的现场交易所具有的安全感,解决了双方互不信任的矛盾。我们知道,采用汇付进行预期付款,是买方处于不利地位,而采用汇付进行迟期付款则是卖方处于不利地位,而采用托收方式,即使是即期交单付款方式,对卖方来说,也是一种迟期付款。因为,卖方必须在装运后,才能获得全套收款的单据。一旦买方拒付货款,即使货物的所有权还在卖方手里,卖方的损失还是难以避免的。

为了使买卖双方都处于同等地位,人们发明了信用证支付方式,由银行出面担保,只要卖方按合同规定交货,就可拿到货款,而买方又无须在卖方履行合同规定的交货义务前支付货款。信用证是有条件的银行担保,是银行(开证行)应买方(申请人)的要求和指示保证立即或将来某一时间内付给卖方(受益人)一笔款项。卖方(受益人)得到这笔钱的条件是向银行(议付行)提交信用证中规定的单据。例如:商业、运输、保险、政府和其他用途的单据。

注析:

1. 开证申请人(买方):请求银行开立信用证的人。

2. 开证行 :是进口国的一家银行,应买方的要求而开立信用证。

3. 通知行 :是出口国的一家银行,把开证事宜通知出口人。

4. 出票人(卖方) :出售货物并向开证行或买方出具汇票。

5. 受票人(卖方) :汇票到期时承担付款的责任者。

6. 议付行 :向卖方支付或承兑汇票

7. 偿付行:通常是开证行本身,他向议付行偿付后者预先垫付的货款。在有些场合,它可能是开证行在第三国的偿付代理行。

8. 受益人:以此人为抬头开立信用证,也就是有权开具汇票并领取货款者。

一般信用证格式

一般信用证格式 (本证)由华盛顿中国银行转递。

"ZHUNGKRO"广州

广东中国银行

2000年4月5日广州

兹开立第987号不可撤销的信用证

受益人:华盛顿……公司

开证人:广州市中国……进出口公司

最高金额:$800,000(捌佰万美元,溢交或短交货物金额以5%为限)。

  本信用证凭受益人开具以我行为付款人按发票金额100%计算无迫索权的即期汇票用款,该汇票一式两份,并须附有下列写上数字的装运单据:

(1)全套清洁无疵,"货已装船","运费预付",空白抬头,空 白背书的海洋提单,并须注明:"通知目的港中国对外贸易运输公司"。

(2)发票(一式五份),注明合同号码。

(3)重量单/装箱单,一式二份,载明每箱毛重和净重。

(4)制造商出具的品质,数量/重量证明书……份。

(5)受益人出具的证明书证明上述各单据的另外四份已经分发如下:

  一套已与货物一起,随船带交目的港中国对外贸易运输公司。一套已航空邮交开证人,另外二套已航空邮寄交目的港中国对外贸易运输公司。此项单据,均已在载货船只启程后五天内付邮。

  证明装运:800公吨,(允许溢交或短交以5%为限),每公吨净重为1,000公斤的四甲基毗啶,纯度98%~99%,净重每公斤一美元C&F广州港,包装费在内。

生产国别:华盛顿

制造厂商: ___________有限公司。

  包装:货物用适宜海运的新铁桶装。自英国口岸运往新港。不得分批装运。准许转船,但须交联运提单。装运日期不得晚于1993年3月30日并须由"和平"轮装运。 本证在伦敦议付有效期至1993年3月30日截止。所有根据本证开具的汇票须注明"根据北京中国银行总管理处营业部第846号信用证出具的"。 本行兹向根据本证并按照本证内条款开出汇票的出票人、背书人和合法持有人保证,在单据提交本行办公室时,本行即应以电汇方式承兑该汇票。所有根据本证议付的汇票金额必须在本证背面批注。

  单据处理办法:本证条件之一是,所有单据应分两次连续以航邮寄交本行。第一次邮寄包括所有各项单据,但如某项单据不只一份者则留下一份由第二次邮寄。本行一旦收到此证要求的各项单据,并审核无误后,即刻以即期电汇方式偿付。请将此证通知受益人。

特别指示:

(1) 本证在通知行见到受益人提交的有关出口许可证以后,才开始生效。

(2) 必须提交船舶代理人(海运代理人)出具的证明书,证明载运船只系由北京中国对外贸易运输公司或北京中国租船公司所租用或预定。(需要此项单证时,租船提单可予接受。)

(3) 必须提交轮船公司出具的预定航程表,表明载运船只在到达本证指定目的港以前,不经过也不停靠台湾的任何口岸。

一份完整信用证详细

27
SEQUENCE OF TOTAL
1/1
40A
FORM OF L/C (Y/N/T)
IRREVOCABLE (不可撤销信用证)
20
DOCUMENT CREDIT NO
0190805
31C
DATE OF ISSUE
070918 (开证日期)
40E
UCPURR LATEST VERSION 依照UCP最新版本
31D
DATE AND PLACE OF EXPIRE 到期日和到期地点
071220 CHINA
51D
APPLICANT BANK 开证行
THE HOUSING BANK
INT'L TRADE OPERATION
P.O.BOX JORDAN.
50
APPLICANT 申请人
M/S:GD IMP. AND EXP.GROUP
P.O.BOX AMMAN 11118 JORDAN
TEL:00962-62222
59
BENEFICIARY 受益人
COG GROUP CO. LTD
ADD:NO.619 HUBIN SOUTH RD XIAMEN CITY
CHINA TEL: 0086-592-22222
32B
CURRENCY CODE,AMOUNT
USD35985, (信用证金额)
39A
PERCENTAGE CREDIT AMOUNT
05/05 (金额允许5% 上下浮动)
41A
AVAILABLE WITH..BY
SCBLCNSXXXX(SCBLCNS是渣打银行的代码,意思是渣打银行议付)
BY PAYMENT (by payment没有注明远期,为即期)
43P
PARTIAL SHIPMENT
ALLOWED (允许分批装运)
43T
TRANSSHIPMENT
ALLOWED (允许转船)
44E
TIANJIN/CHINA (装运港)
44F
(注意B/L 的port of discharge 和port of deliver都得是 AQABA PORT )
AQABA PORT - JORDAN BY VESSEL IN CONTAINER.
44C
LATEST DATE OF SHIPMENT 最后装船期
071130
45A
DESCRIPTION OF GOODS 货物描述
2300 SQM OF GRANITE PRODUCT (MONGOLLAN BLACK-DEGREE OF
POLISHED MORE 90 0/0) AT TOTAL AMOUNT USD 35985
ALL OTHER DETAILS AS INVOICE NO.XM2007082701, DATED 25/3/2007
FOB: TIANJIN/CHINA 特别注意要完全按照这个描述做发票。我们的货物是:GRANITE PRODUCT,后面的是货物的一些详细描述。除发票以外提单,产地证等等都只要体现 GRANITE PRODUCT就可以了。
46A
DOCUMENTS REQUIRED
1- SIGNED BENEFICIARY'S COMMERCIAL INVOICES IN ONE ORIGINAL
AND 3 COPIES, CERTIFIED BY C.C.P.I.T
AND BEARING THIS CLAUSE: ''WE CERTIFY THAT INVOICES
ARE IN ALL RESPECTS CORRECT AND TRUE BOTH WITH REGARD
TO THE PRICE AND DESCRIPTION OF GOODS REFERRED TO THEREIN
AND AS INVOICE NO.XM2007082701 DATED 25.3.2007
INDICATED IN THIS CREDIT AND THAT THE COUNTRY
OF ORIGIN OR MANUFACTURER OF THE GOODS IS CHINA
签名的受益人发票,正本和三份副本由C.C.P.I.T(贸促会)盖章,并且带有这句条款:
''WE CERTIFY THAT INVOICES ARE IN ALL RESPECTS。。。 THE GOODS IS CHINA)这句话照搬显示在发票上。(这句话我的理解是要四份发票由贸促会盖章,所以我盖了四份,以前所接触的大多只是要求一份正本贸促会盖章)
2- CERTIFICATE OF ORIGIN IN ONE ORIGINAL AND 3 COPIES ISSUED
OR CERTIFIED BY C.C.P.I.T
TO THE EFFECT THAT THE GOODS UNDER EXPORT ARE OF CHINESE
ORIGIN AND THAT SAID CERTIFICATE SHOULD SHOW THE NAME OF
FACTORY OR PRODUCER OF SUCH GOODS.
产地证一正三付贸促会盖章,用以表明出口的该货物为中国原产,并且显示这批货物的制造商或工厂。通常产地证只有一正二付,做法是,副本在盖章前先复印一份再盖
3- FULL SET OF CLEAN (ON BOARD) MARINE BILLS OF LADING IN 3/3
ORIGINALS ISSUED BY SHIPPING CO'S IT'S LETTER NEAD FORMAT ISSUED
TO THE ORDER OF THE HOUSING BANK
SHOWING FREIGHT PAYABLE AT DESTINATION
AND NOTIFY M/S:BEE IMPORT AND EXPORT GROUP
AND INDICATING NAME AND ADDRESS OF THE
SHIPPING COMPANY'S AGENT IN JORDAN.
全套(三正三付)已装船提单由船公司出具,收货人显示:TO THE ORDER OF THE HOUSING BANK FOR TRADE AND FINANCE,提单上显示:运费到付(即FREIGHT PAYABLE AT DESTINATION),通知人为:BEE IMPORT AND EXPORT GROUP
并且注明船公司在约旦的代理的名称,地址。
4- PACKING LIST IN 3 COPIES. 三份装箱单
5- CERTIFICATE OF WEIGHT IN 3 COPIES. 三份重量单
6- CERTIFICATE ISSUED BY THE BENEFICIARIES INDICATING THAT THE
GOODS ARE BRAND NEW AND IN CONFORMITY WITH THE CREDIT.
受益人证明
7- CERTIFICATE ISSUED BY THE MASTER OR THE CARRIER OWNER OR
THE AGENTS CERTIFYING THAT THE CARRYING VESSEL INDICATED
IN THE B/L IS CLASSIFIED AND NOT OVERAGE. 船证明,特别注意,船证章要和提单章相同。包括日期也要相同。
8- CERTIFICATE ISSUED, SIGNED AND STAMPED BY THE OWNERS,
CARRIERS, MASTER, CHARTERERS OR AGENTS OF THE VESSEL
CERTIFYING THAT THE CARRYING VESSEL IS SUBJECT TO
INTERNATIONAL SAFETY MANAGEMENT CODE (ISM) CARRIES VALID
SAFETY MANAGEMENT CERTIFICATE (SMC) AND DOCUMENT OF
COMPLIANCE (DOC) FOR THE PURPOSE OF PRESENTING THEM TO
THE PORT AUTHORITIES. 船证明
47A
ADDITIONAL CONDITIONS
1- ALL DOCUMENTS SHOULD BE DATED AND INDICATE THIS L/C NUMBE
R
AND THE HOUSING BANK FOR TRADE AND FINANCE NAME AND ISSUANCE
DATE. 所有的文件要显示信用证号及开证日期,及开证行。(这一点要注意。)
2- NEGOTIATION OF DOCUMENTS UNDER RESERVE/GUARANTEE IS NOT
ACCEPTABLE.
3- ALL DOCUMENTS SHOULD BE ISSUED IN ENGLISH LANGUAGE.
4- SHIPMENT OF REQUIRED GOODS ON DECK ACCEPTABLE. 货装甲板提单可接受。
5- THIRD PARTY DOCUMENTS ARE NOT ACCEPTABLE.
第三方单据不接受(这一点我始终不是太明白,何为第三方单据)
6- B/L MUST SHOW THE CONTAINER(S) SEAL(S) NUMBER(S) ALWAYS
WHENEVER SHIPMENT EFFECTED BY CONTAINER(S).
只要运输是用集装箱装运的,提单必须显示柜号,封签号。
7- FREIGHT FORWARDER TRANSPORT DOCUMENT IS ACCEPTABLE.
货代提单可以接受
8- SHORT FORM B/L IS NOT ACCEPTABLE. 简式提单不接受(一般也不可能出这样的提单)
9-A FLAT FEES FOR USD 50.- OR EQUIVALENT WILL BE DEDUCTED
FROM EACH SET OF DISCREPANT DOCUMENTS AS DISCREPANCY FEES.
如果出现不符点,整套交单资料将扣除USD50 作为不符点费用
10- L/C AMOUNT TO READ: +/- 5 0/0 USD THIRTY FIVE THOUSAND NINE
HUNDRED EIGHTY FIVE L/C金额为:。。。。这个发票上照写就行(,不用写 +/- 5 0/0。。,直接按实际出货的金额写,但此金额必须L/C金额的 +/- 5 0/0范围内。)
11- ALL DOCUMENTS SHOULD BE ISSUED IN THE NAME OF M/S:
BEE IMPORT AND EXPORT GROUP EXCEPT
B/L TO BE ISSUED TO THE ORDER OF THE HOUSING BANK
AND NOTIFY M/S BEE IMPORT AND
EXPORT GROUP 所有的文件必须以:M/S: BEE IMPORT AND EXPORT GROUP 为收货人,除了提单是收货人:TO THE ORDER。。,通知人:BEE。。。
12- 5 0/0 MORE OR LESS IN QUANTITY AND AMOUNT IA ACCEPTABLE.
数量正负5%可接受。
13- DOCUMENTS RECEIVED BY US AFTER 12 OCLOCK WILL BE STAMP
RECEIVED ON THE SECOND DAY DATE.
12点以后收到的交单视为第二天收到。
14- EXCLUDE ARTICLE 14 I,J AND K SO ALL DOCUMENTS MUST BE DATED
WITHIN L/C VALIDITY AND SHOW THE ADDRESS AND CONTACT DETAILS FOR
BOTH APPLICANT AND BENEFICIARY AS STATED IN THE L/C SHIPPER OR
CONSIGNOR OF THE GOODS INDICATE ON ANY DOX MUST BE THE
BENEFICIARY OF THE CREDIT 排除UCP 14条款的 I,J AND K,所以所有的单据日期必须在L/C的有效期内,即不能早于信用证的开立日期迟于交单有效期,显示在信用证中的申请人和受益人的地址和联络细节必须显示。任何单据中的发货人必须为受益人)这一点要注意,如果是离岸帐户操作的,可能操作不了。
15- IF THE ISSUING BANK DETERMINE THAT THE PRESENTED DOCUMENTS IS
ADISCREPANT DOCUMENT THE DISCREPANT DOCUMENTS WILL BE HELD UNDER
THE PRESENTING BANK DISPOSAL UNTILL RECEIVES AWAIVER OF THE
DISCREPANCIES FROM THE APPLICANT BY AGREES TO ACCEPT THE
DISCREPANT DOCUMENTS AND THE ISSUING BANK HOLD HIS RIGHTS TO
DELIVER THE DOCUMENTS TO THE APPLICANT IF ACCEPTED PRIOR TO YOUR
INSTRUCTIONS.
如果议付行认定提交的单据为不符点单据,此不符点单据将由议付行持有处理,直到申请人自动放弃不符点接受不符点单据,此时议付行有权在接到你行的指示之前将单据交给申请人
16- ALL REQUIRED STAMPS MUST BE IN ENGLISH AND BEARS SIGNED
MANUALY. 所有需要的签章必须为英文且有手签。注意很多船公司提单签章上的签名都是印的,不是手签的,不知道能不能要求手签,我出的是货代章,这个能做到。
17- EXCLUDE ARTICLE 18A IV AND B. 商业发票必须签名。参看UCP 18A AND B。
18- EXCLUDE ARTICLE 26 B. 载有诸如“托运人装载和计数”或“内容据托运人报称”条款的运输单据不接受。(这一点我们做不到,通知客人改单了。现在大多数集装箱运输,又是整柜,大多提单上都会有显示这个:SHIPPER ‘S LOAD AND COUNT“”SAID TO CONTAIN“
71B
CHARGES
ALL BANKS CHARGES OUTSIDE JORDAN
INCLUDING REIMB.AND PMT.TRANSFER
CHARGES ARE ON BENEF'S A/C.
约旦以外的银行费用由受益人承担。
49
CONFIRMATION INSTRUCTION
CONFIRM 加保兑
53A
REIMBURSMENT BANK
CHASUS33XXX
78
INSTR TO PAY/ACCEP/NEG 以下是对银行指示,大概译一下。大概意思明白就好了。
A- PLS FORWARD TO THE HOUSING BANK
AMMAN-JORDAN THE ORIGINAL SET OF DOCUMENTS
BY SPECIAL AIR COURIER AND THE DUPLICATE BY AIRMAIL IN
STRICT CONFORMITY WITH L/C TERMS.
请将全套正本单据通过航空寄给 THE HOUSING BANK ,,,。副本另外寄单。
B- IN REIMBURSMENT TO DOCUMENTS NEGOTIATED IN FULL COMPLIANCE
WITH L/C TERMS YOU ARE AUTHORIZED TO DRAW ON OUR USD A/C WITH
JP MORGAN CHASE BANK,N.Y-USA AFTER FIVE WORKING DAYS FROM YOUR
AUTH.SWIFT MSG.ADVICE TO US.
议付单据完全符合L/C条款的偿付,你行将被授权从P MORGAN CHASE BANK,N.Y-USA我行的美元帐户中支取—收到你行SWIFT电文的五个工作日内
57D
ADVISE THROUGH BANK
STANDARD CHARTERED BANK XIAMEN BR.
SWIFT CODE:SCBLCNSXIMN
A/C NO. USD 222222