【正文】 十、信用證的業(yè)務(wù)流程（2）—改證十、信用證的業(yè)務(wù)流程（3）—交單結(jié)匯36 / 36。 l （7）對(duì)特殊條款的審核。 l （6）對(duì)其他運(yùn)輸條款、保險(xiǎn)、商檢等條款的審核。l (5) 對(duì)單據(jù)的審核。 (4)對(duì)開證申請(qǐng)人、受益人的審核。信用證的裝運(yùn)期必須與合同的規(guī)定相同；信用證的有效期一般規(guī)定在裝運(yùn)期限后715天，以方便賣方制單。對(duì)商品的品質(zhì)、規(guī)格、數(shù)量 包裝等依次進(jìn)行審核。即審核信用證金額是否與合同金額一致，大、小寫金額是否一致；如合同訂有溢短裝條款，信用證金額是否包括溢裝部分金額；信用證使用的貨幣是否與合同規(guī)定的計(jì)價(jià)和支付貨幣一致。 九、通知和審證（二）受益人審證 審證的依據(jù)： ◆買賣合同 ◆UCP500 ◆外貿(mào)經(jīng)驗(yàn)（二）受益人審證審證的步驟 第一步：熟悉買賣合同條款 第二步：根據(jù)合同逐條審核信用證各條款 第三步：列出問題條款 l (3)對(duì)信用證性質(zhì)與開證行付款責(zé)任的審核。主要對(duì)開證行所在國家的政治經(jīng)濟(jì)狀況、開證行的資信、經(jīng)營作風(fēng)等進(jìn)行審查。有則須根據(jù)不同情況向開證行交涉。 七、開證申請(qǐng)和開證申請(qǐng)書（四）銀行開立信用證 ◆審查開證申請(qǐng)書和開證人聲名 ◆審查開證申請(qǐng)人的資信情況 ◆審查開證時(shí)應(yīng)提供的有效文件 ◆收取開證保證金 八、通知和審證（一）通知行通知信用證和審證 通知行在把信用證通知給受益人之前，要審核信用證的以下幾方面的內(nèi)容： ◆審查信用證表面的真實(shí)性 ◆審查開證行的資信情況 ◆審查信用證中有無“軟條款”l (1)從政策上審核。 ▲ 單據(jù)：選擇單據(jù)及其相關(guān)條款。（二）申請(qǐng)開立信用證的程序 遞交有關(guān)合同的副本及附件； 填寫開證申請(qǐng)書一式三份： ◆一份留業(yè)務(wù)部門 ◆一份留財(cái)務(wù)部門 ◆一份交銀行 繳付保證金 支付開證手續(xù)費(fèi)七、開證申請(qǐng)和開證申請(qǐng)書（三）開證申請(qǐng)書的填制 ◆填制依據(jù)：買賣合同和UCP500 ◆注意事項(xiàng)：選擇時(shí)要打“”，而不是打“√” ◆重要欄目的填寫： ▲ 金額：大小寫要一致 ▲ 付款方式：by sight payment, by deferred payment by acceptance, by negotiation四者選其一。 ETD（Estimated time of departure）of vessel within 5 days after shipment, a copy of this cable must acpany the documents for negotiation受益人應(yīng)在裝船后5天內(nèi)將信用證號(hào)碼、裝船數(shù)量、船名和預(yù)計(jì)開航日期電告……先生，該電報(bào)的副本須隨同單據(jù)一起議付(6)議付與索償In reimbursement,please draw on our head office account with your London office償付辦法：請(qǐng)從我總行在你倫敦分行的帳戶中支取You are authorized to reimburse yourself for the amount of your negotiation by drawing as per arrangement on our account with United Bank Limited,London.茲授權(quán)你行索償你行議付金額，按約定辦法向倫敦聯(lián)合銀行我賬戶內(nèi)支取 Guarantee of the Opening Bank (開證行付款保證) undertake that drafts drawn and presented in conformity with the terms of this credit will be duly honoured開具并交出的匯票，如與本證的條款相符，我行保證依時(shí)付款 hereby engage with the drawers, endorsers and bonafide holders of draft(s) drawn under and in pliance with the terms of the credit that such draft(s) shall be duly honoured on due presentation and delivery of documents as specified (if drawn and negotiated with in the validity date of this credit)凡根據(jù)本證開具與本證條款相符的匯票，并能按時(shí)提示和交出本證規(guī)定的單據(jù)，我行保證對(duì)出票人、背書人和善意持有人承擔(dān)付款責(zé)任（須在本證有效期內(nèi)開具匯票并議付）This credit is subject to the Uniform Customs and Practice for Documentary credits International Chamber of Commerce publication .本證根據(jù)國際商會(huì)第600號(hào)出版物“跟單信用證統(tǒng)一規(guī)則”辦理。s charges and acceptance mission are for buyer39。s original signed mercial invoices at least in 8 copies issued in the name of the buyer indicating(showing/evidencing/specifying/declaration of) the merchandise, country of origin and any other relevant information. 以買方的名義開具、注明商品名稱、原產(chǎn)國及其他有關(guān)資料，并經(jīng)簽署的受益人的商業(yè)發(fā)票正本至少一式八份% discount should be deducted from total amount of the mercial invoice商業(yè)發(fā)票的總金額須扣除4%折扣 of Lading full set of clean on board bills of lading made out to our order and endorsed in blank notify buyers M/S … Co. calling for shipment from China to Hamburg marked Freight prepaid 全套清潔“已裝船”提單作成以我（行）為抬頭，空白背書，通知買方……公司，要求貨物自中國運(yùn)往漢堡，注明“運(yùn)費(fèi)預(yù)付”bills of lading must be dated not before the date of this credit and not later than Aug. 15, 2007提單日期不得早于本證的日期，也不得遲于2007年8月15日 policyinsurance policy or certificate covering . (or .) and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of the People39。六、信用證的主要內(nèi)容對(duì)信用證本身的說明（種類、金額、有效期和到期地點(diǎn)、號(hào)碼、開證行、通知行、申請(qǐng)人、受益人）對(duì)單據(jù)的要求（種類、份數(shù)、制作要求）對(duì)貨物的描述（名稱、規(guī)格、數(shù)量、包裝、價(jià)格等）對(duì)運(yùn)輸?shù)囊螅ㄑb運(yùn)期限、啟運(yùn)地和目的地、運(yùn)輸方式、分批、