【正文】 單據文字內容力求簡單明了，避免畫蛇添足。這是繕制單據的第一要求。s charges are for the account of the issuing bank. However, if the charges are for the account of the beneficiary, it is the responsibility of an issuing bank to so indicate in the credit and in the reimbursement authorization. If a reimbursing bank39。那些條件 取決于當地法律及議付行與出口商之間的關系 。 兌現 ? hono(u)r a check 承兌支票 2020/7/5 Yuqiang Copyright Reserved 25 UCP600與 UCP500的比較分析 ? Honour means: ? pay at sight if the credit is available by sight payment. ? incur a deferred payment undertaking and pay at maturity if the credit is available by deferred payment. ? accept a bill of exchange (“draft”) drawn by the beneficiary and pay at maturity if the credit is available by acceptance. 2020/7/5 Yuqiang Copyright Reserved 26 UCP600與 UCP500的比較分析 ? Issuing bank means the bank that issues a credit at the request of an applicant or on its own behalf. ? Negotiation means the purchase by the nominated bank of drafts (drawn on a bank other than the nominated bank) and/or documents under a plying presentation, by advancing or agreeing to advance funds to the beneficiary on or before the banking day on which reimbursement is due to the nominated bank. 2020/7/5 Yuqiang Copyright Reserved 27 UCP600與 UCP500的比較分析 ? 關于議付 ? UCP500 Article 10 （信用證的種類） ? Negotiation means the giving of value for Draft(s) and/or document(s) by the bank authorized to negotiate. Mere examination of the documents without giving of value does not constitute a negotiation. 2020/7/5 Yuqiang Copyright Reserved 28 UCP600與 UCP500的比較分析 UCP500 Article 9 （開證行與保兌行的責任） ? An irrevocable Credit constitutes a definite undertaking of the Issuing Bank, provided that the stipulated documents are presented to the Nominated Bank or to the Issuing Bank and that the terms and conditions of the Credit are plied with: 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 Credit 2020/7/5 Yuqiang Copyright Reserved 29 UCP600與 UCP500的比較分析 ? ICC Position Paper No 2 （第二號意見書） ? The Banking Commission wishes to clarify that for the purposes of UCP 500, the phrase 39。 ” 2020/7/5 Yuqiang Copyright Reserved 9 UCP600產生的背景及過程 ? From Introduction of 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, a negative effect on the letter of credit being seen as a means of payment and, if unchecked, could have serious implications for maintaining or increasing its market share as a recognized means of settlement in international trade. ? 結論：信用證正日益成為拒付的工具。為此， ICC于 20xx年初成立 UCP修訂工作小組，提出修訂 UCP500的動議。 2020/7/5 Yuqiang Copyright Reserved 6 UCP600產生的背景及過程 ? 在 20xx年 10月 ICC銀行委員會會議上，銀行委員會技術顧問 GARY COLLYER提供了一份評議七條條款的報告： ? 第九條 – 開證行與保兌行的責任（共二十六次） ? 第十三條 – 審核單據的標準（共四十三次） ? 第十四條 – 不符點單據與通知（共六十次） ? 第二十一條 – 對單據出單人或單據內容未作規(guī)定（共二十九次） ? 第二十三條 – 海運提單（共四十七次） ? 第三十七條 – 商業(yè)發(fā)票（共二十六次） ? 第四十八條 – 可轉讓信用證（共三十一次） 2020/7/5 Yuqiang Copyright Reserved 7 UCP600產生的背景及過程 ? 多份研究報告顯示，高比例、高頻率發(fā)生的信用證拒付現象日益危機信用證在國際結算中的地位。 禮遇 。undertaking an obligation to make payment39。（ ICC632/R429） 2020/7/5 Yuqiang Copyright Reserved 39 ? If a nominated bank determines that a presentation is plying and forwards the documents to the issuing bank or confirming bank, whether or not the nominated bank has honoured or negotiated, an issuing bank or confirming bank must honour or negotiate, or reimburse that nominated bank, even when the documents have been lost in transit between the nominated bank and the issuing bank or confirming bank, or between the confirming bank and the issuing bank.() 2020/7/5 Yuqiang Copyright Reserved 40 UCP600與 UCP500的比較分析 ? 拒付電增加了 “ 持單至申請人放棄不付點 ” 的選擇 ? the issuing bank is holding the documents until it receives a waiver from the applicant and agrees to accept it, or receives further instructions from the presenter prior to agreeing to accept a waiver () 2020/7/5 Yuqiang Copyright Reserved 41 UCP600與 UCP500的比較分析 ? 建立了 “ 單據必須滿足其功能 ” 的標準 ? If a credit requires presentation of a document other than a transport document, insurance document or mercial invoice, without stipulating by whom the document is to be issued or its data content, banks will accept the document as presented if its content appears to fulfil the function of the required document and otherwise plies with subarticle 14 (d ). 2020/7/5 Yuqiang Copyright Reserved 42 UCP600與 UCP500的比較分析 ? When documents other than transport documents, insurance documents and mercial invoices are called for, the Credit should stipulate by whom such documents are to be issued and their wording or data content. If the Credit does not so stipulate, banks will accept such documents as presented, provided that their data content is not inconsistent with any other stipulated document presented. ( of UCP500) ? 當要求提供運輸單據、保險單據和商業(yè)發(fā)票以外的單據時，信用證中應規(guī)定該單據的出票人及其措辭或內容。所以合格的單據，還必須合符法規(guī) （ Legally acceptable） 以及常規(guī)（ Common sense）， 譬如毛重必須大于凈重，否則進口商或開證行有權拒付。 ? 及時。個別錯誤可以更正，但必須在更正處加以簽署或加蓋更正章，不能遺漏。 ? 完整。譬如 ， UCP500與一般的信用證中都沒有匯票必須由出票人簽字的規(guī)定。 2020/7/5 Yuqiang Copyright Reserved 32 ? 議付定義的演變 ? UCP500： Negotiation means the giving of value for Draft(s) and/or document(s) by the bank authorized to negotiate. 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 the nominated bank) and/or documents under