最新32个信用证案例英汉对照.docx

最新32个信用证案例英汉对照.docx

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最新32个信用证案例英汉对照

32个信用证案例英汉对照

案例一：

信用证不可撤消性受到约束的案例（答案在73页）

（UCP500第4条款和第9条款a分条）

CaseNumber1TheCaseoftheContingentIrrevocabilityoftheCredit

UCP500Article4andsub-article8（a）

Background

TypeofCredit:

Irrevocable

Application:

UCP500

IssuingBank:

BankI

AdvisingBank:

BankA

Availability:

AtsightwiththeIssuingBank

Expiry:

AtthecountersoftheIssuingBank

Circumstances

IssuingBank:

BankIissueditsirrevocableCreditandadvisedittotheBeneficiarythroughBankA.

AdvisingBank:

BankAadvisedtheCredittotheBeneficiary

Credit:

Amongthetermsandconditions,theCreditaskedfor:

1.Sightdraftontheissuingbank

2.BillsofladingissuedtoorderofBankIforaccountoftheApplicant

3.SpecialConditions:

（a）Paymentofdraftsdrawnhereunderwillbemadeonlyaftertherealizationofthere-exportproceedsprogram.

Beneficiary:

TheBeneficiaryshippedthegoodsandpresentedthedocumentsrequiredbytheCredittoBankA.

AdvisingBank:

BankAinformedtheBeneficiarythatinviewofthespecialconditionsrelatedtopaymentandbecausetheCreditexpiredatthecountersoftheIssuingBank,BankAwouldonlyforwardthedocumentstoBankIfortheiraction.

Beneficiary:

AfterdeterminingthatBankAhadnoobligationtonegotiate,relyinguponthestandingoftheIssuingBankasapremierfinancialinstitution,andbeingcomfortablethattheCreditwassubjecttoUCP500,theBeneficiaryinstructedBankAtoforwardthedocumentstoBankI.

IssuingBank:

InformedBankAthatwhilethedocumentspresentedundertheCreditwerecompliant,theywerenotinapositiontohonorthedrawing,asthenecessaryfundshadnotbeenmadeavailabletothemfromthe“re-exportproceedsprogram”.Ifandwhensuchproceedsweremadeavailable,theywouldpaythedrawingundertheircredit.

Beneficiary:

TheBeneficiaryneverreceivedpaymentforthegoodsshipped,eventhoughthedocumentspresentedundertheCreditcompliedfullywiththetermsandconditionsoftheCredit.BankIstatedthatwhiletheirCreditwasirrevocable,itcontainedspecialconditionsstatingthatirrevocabilitywassubjecttoreceiptofthenecessaryfundsfromthe“re-exportproceedsprogram”.Sincesuchproceedswerenotreceived,BankIhadnoobligationtohonorthedrawing.BankIsuggestedthattheBeneficiarytrytorecoverdirectlyfromtheApplicant.

Queries:

Pleasereview,analyzethequeries,giveyouropinionandbepreparedtoanswereachquery

（1）WouldyourBankhaveissuedorconfirmedsuchanIrrevocableCredit?

（2）IfyourbankadvisedsuchaCredittotheBeneficiary,wouldithavewarnedtheBeneficiaryaboutitsspecialconditions?

（3）IsitcorrectforBankItohaveissuedthisCreditsubjecttoUCP500?

（参考教材第3/24-5页回答上述问题）

供参考用翻译

1.背景：

信用证种类：

不可撤消

应用规则：

UCP500

开证行：

I行

通知行：

A行

结算方式：

在开证行即期付款

到期地点：

在开证行柜台

2.案情：

开证行：

开证行开立不可撤消信用证并由通知行通知受益人。

通知行：

通知行将信用证通知受益人。

信用证：

信用证条款要求：

1．开给开证行的即期汇票

2．提单抬头是按照I行指令，通知申请人

3．特别条款是：

信用证汇票的支付只能在“实现再出口收款计划”之后进行。

受益人：

受益人装运货物后向A行提交信用证要求的单据。

通知行：

A行告诉收益人：

鉴于付款的特别条款和信用证在开证行柜台到期，A行只能寄单给I行。

受益人：

A行决定没有议付义务后，由于开证行是一家大的金融机构，受益人信任开证行信誉并对信用证受UCP500管辖感到放心，受益人指示A行寄单给I行。

开证行：

开证行通知A行：

虽然信用证下提交的单据符合要求，开证行不能付款，因为开证行未从“再出口得款计划”下获得所需资金。

待到开证行获得这笔资金后才能支付信用证款项。

受益人：

虽然提交的单据完全符合信用证条款，受益人一直没有收到装运货物的款项。

I行声称虽然信用证是不可撤消的，但它含有特别条款。

特别条款规定不可撤消性受“再出口得款计划”的约束。

由于I行未收到这笔钱，I行无付款义务。

I行建议受益人直接从申请人那里收回此款。

3.问题：

1．你的银行是否会开出这种不可撤消信用证并对它加保兑？

2．当通知行将此种信用证通知受益人时，通知行是否会警告受益人特别条款之事？

3．I行开立的这种信用证是否受UCP500管辖？

案例二：

产地国规定不明确的信用证

（UCP500第5条款a分条）

CaseNumber2TheCaseoftheUnspecifiedCountryofOrigin

UCP500sub-Article5（a）

Background

TypeofCredit:

IrrevocableNegotiable

Application:

UCP500

IssuingBank:

BankI

AdvisingBank:

BankA

NegotiatingBank:

BankA

Availability:

Negotiableatsight

Expiry:

AtthecountersofBankA

Circumstances

IssuingBank:

BankIissueditsirrevocableCreditandadvisedittotheBeneficiarythroughBankA.

AdvisingBank:

BankAadvisedtheCredittotheBeneficiary.

Credit:

Amongthetermsandconditions,theCreditaskedfor:

1.CertificateofOrigin:

E.E.CCountries.

（Note:

thereadershouldbeawarethatthenormalusageisEECandnotE.E.C.,asamatterofinterest.However,thecasewaspresentedasstatedE.E.C.）

Beneficiary:

TheBeneficiarypresentedthedocumentsrequiredbytheCreditincludingthecommercialinvoiceandthecertificateoforigin,whichshowed:

1.Thecommercialinvoiceshowed:

“CountryofOrigin:

E.E.C.”

2.TheCertificateofOriginindicated:

“CountryofOrigin:

E.E.C.Countries”.

NegotiatingBank:

BankAexaminedthedocumentspresentedbytheBeneficiaryanddeterminedtheywereincompliancewiththetermsandconditionsoftheCredit.BankAnegotiatedthedocumentsandforwardedthedocumentstoandclaimedreimbursementfromBankI.

IssuingBank:

Uponreceiptofthedocuments,BankIexaminedthedocumentsanddeterminedthattheywerediscrepant.BankIimmediatelynotifiedBankAbyteletransmissionthatitrejectedthedocumentsforthefollowingdiscrepancies:

1.Thephraseonthecommercialinvoice“CountryofOrigin:

E.E.C.”doesnotappearonitsfacetobeinaccordancewithtermsandconditionsoftheCredit,whichstates“CountryofOrigin:

E.E.C.Countries.”

2.ThedeclarationoforiginonthecommercialInvoiceisinconsistentwiththedeclarationappearingontheCertificateoforiginas“CountryofOrigin:

E.E.C.Countries.”

NegotiatingBank:

Uponreceiptofthenoticeofrejection,BankArepliedbytelexasfollows:

“Weconsiderthedocumentsnegotiatedbyusasconformingtothedocumentarycreditforthefollowingreasons:

“1.ThereisnorequirementintheCreditforastatementrelatingtotheoriginofthegoods.Moreover,theCountryoforiginwasindicatedinthecertificateoforiginasrequiredbytheCredit,thatis,CountryofOrigin:

E.E.CCountries.

“2.ThedeclarationorstatementoforiginonthecommercialinvoiceastoCountryofOrigin:

E.E.Cisnotinconsistentwiththestatementmadeinthecertificateoforigin.

“Wedonotacceptyourrejectionofthedocumentsasnon-compliantanddemandimmediatereimbursementoftheamountnegotiatedandourcharges.”

Queries:

Pleasereview,analysisthequeries,giveyouropinionandbepreparedtoanswereachquery.

（1）DidBankIrejectthecertificateoforiginaspresented?

（根据案例内容回答1-3问题）

（2）DidBankIrejectthedocumentsbasedontheInconsistenciesbetweenthecommercialinvoiceandthecertificateoforigin?

（3）DidBankIrejectthedocumentsbasedontheinconsistencybetweenthewords“Country”and“Countries”?

（4）CouldanargumentbemadebyBankAthatBankIviolatedUCP500Article5,relativetotheInstructionstoIssueCreditsinacompleteandprecisemanner?

（参考教材第5/4-5,4/12页）

供参考用的翻译

1.背景：

信用证种类：

不可撤消议付信用证

应用规则：

UCP500

开证行：

I行

通知行和议付行：

A行

结算方式：

即期议付

到期地点：

A行柜台

2.案情：

开证行：

I行开出不可撤消议付信用证并由A行通知受益人。

通知行：

A行将信用证通知受益人。

信用证：

在信用证的条款中，信用证要求：

1．产地证书：

欧洲共同体国家E.E.CCountries.

（注意：

读者应该知道正确的写法是EEC，不是本案例中的E.E.C.，

受益人：

受益人提交信用证要求的单据，包括商业发票和产地证书，这些单据上显示：

1．商业发票：

“产地国家：

E.E.C.”

2．产地证上显示：

“产地国家：

E.E.C.Countries”

议付行：

A行审核受益人提交的单据后确定单据符合信用证条款，然后议付单据，并寄单给I行索汇。

开证行：

开证行收到和审单后确定单证不符，并立即电告A行根据下述不符点拒绝单据：

1．商业发票表面的“产地国家：

E.E.C.”不符合信用证规定的“产地国家：

E.E.C.Countries”。

2．商业发票上的产地声明与产地证书上的产地国家写法“CountryofOrigin:

E.E.C.Country”不一致。

I行通知A行代为保管单据，听候处理。

议付行：

收到拒绝通知时，A行回电如下；

“我行认为议付单据与信用证相符，理由如下；

1．信用证对商品产地国陈述未提出要求。

另外，产地证书按照信用证要求显示产地国，即E.E.C.Countries。

2．商业发票上的产地写法是：

E.E.C.，与产地证声明没有不一致之处。

“我行不能接受贵行以单据不符为由拒绝单据，并要求贵行立即偿付我行议付金额和有关费用。

”

3.问题：

1）I行是否拒绝了所提交的产地证书？

2）I行可否根据商业发票和产地证书不一致拒收单据？

3）I行可否根据“Country”与“Countries”的不一致拒绝接受单据？

4）A行可否认为I行违反了UCP500第5条款（关于未用完整和明确的指示开立信用证）？

案例三：

备用信用证与声称的欺诈违约声明案例

（UCP500第9条款a分条和第13条a分条）

CaseNumber3TheCaseoftheStandbyCreditandtheAllegedFraudulentStatementofDefault

UCP500sub-Article9（a）and13（a）

Background

TypeofCredit:

Irrevocablestandby

Application:

UCP500

IssuingBank:

BankI

AdvisingBank:

BankA

Availability:

AtsightwiththeIssuingBank

Expiry:

AtthecountersoftheIssuingBank

Circumstances

IssuingBank:

BankIissueditsirrevocablestandbyCreditinfavoroftheBeneficiaryandadviseditthroughBankA.

AdvisingBank:

BankAadvisedtheCredittotheBeneficiary,informinghimthattheCreditwasavailablewithBankIandthatitexpiredatthecountersofBankI.

Credit:

TheCreditrequiredthefollowingdocuments:

1.SightdraftonBankI

2.Copyoftheunpaidcommercialinvoice

3.StatementfromtheBeneficiary’sauthorizedrepresentativecertifyingthattheenclosedinvoiceswereat30dayspastdueandthatpaymenthadbeendemandedfromtheApplicant.

Applicant:

FivedaysbeforethestandbyCreditexpired,theApplicantinformedBankIthatnooutstandinginvoiceswereduetotheBeneficiaryandthereforeBankIshouldnotpayanydrawingsmadeunderthestandbyCredit.

AdvisingBank:

ThedaybeforetheStandbyCreditexpired,BankApresentedviacourier,onbehalfoftheBeneficiary,thefollowingdocuments:

1.SightdraftonBankI

2.Copyoftheunpaidcommercialinvoice,undatedandlistingdeliverydateofgoodswithin15daysoftheirpresentation.

IssuingBank:

Afterexaminationofthedocuments,BankIpaidthedrawingundertheCreditbycreditingtheaccountofBankAanddebitingtheaccountoftheApplicant.

Applicant:

Theapplicantobjectedtothedebitofhisaccounteventhoughhehadalreadytakenpossessionofthegoods.TheApplicantstatedthat:

1.BankIhadpreviouslybeeninformedbytheApplicantthatnooutstandinginvoiceswereduetotheBeneficiaryandthatBankIshouldnothonoranydrawingsundertheCredit.

2.BankIshouldhaverealizedthat,despitethefactthatthestatementofdefaultasrequiredbytheCreditdeclaredthatadefaultconditionbytheApplicantexisted,itwasclearthatthedeliverydatesontheinvoicessignaledthattherewa