Question

信用证条款翻译

+ALTHOUGH TRADE TERM IS 'FOB YANTIAN,CHINA', BILLS OF LADING

MUST BE MARKED 'FREIGHT PAYABLE AT HONG KONG' OR 'FREIGHT

COLLECT AT HONG KONG'. THE RELATIVE CHARGES ARE TO BE SETTLED

BETWEEN APPLICANT AND BENEFICIARY DIRECTLY OUTSIDE THIS CREDIT

AND THE DC ISSUING BANK DOES NOT GUARANTEE SUCH PAYMENT.
+A HKD550.00 OR EQUIVALENT PLUS ALL RELATIVE CABLE CHARGES WILL

BE DEDUCTED FROM THE REIMBURSEMENT CLAIM FOR EACH PRESENTATION

OF DISCREPANT DOCUMENTS UNDER THIS DOCUMENTARY CREDIT.

NOTWITHSTANDING ANY INSTRUCTIONS TO THE CONTRARY, THESE CHARGES

SHALL BE FOR ACCOUNT OF BENEFICIARY.
+IF DC IS OVERDRAWN AND SUCH A DISCREPANCY IS ACCEPTED BY

APPLICANT AND DC ISSUING BANK, DC OVERDRAWN COMMISSION AT 1/4 PCT

(MIN. HKD500.00 OR EQUIVALENT) ARE FOR ACCOUNT OF BENEFICIARY

AND WILL BE DEDUCTED FROM THE PROCEEDS AT TIME OF REIMBURSEMENT
+IF DC IS EXPIRED AND SUCH A DISCREPANCY IS ACCEPTED BY

APPLICANT AND DC ISSUING BANK. DC EXPIRED COMMISSION AT 1/4 PCT

PER 6 MONTHS (MIN. HKD500.00 OR EQUIVALENT) ARE FOR ACCOUNT OF

BENEFICIARY AND WILL BE DEDUCTED FROM PROCEEDS AT TIME OF

REIMBURSEMENT

请各位高手帮忙详细翻译一下以上条款，这些条款在实际操作中是不是对BENEFICIAY不利呢？ 可不可以去掉！
翻译大概明白了 但本人是菜鸟 能不能具体解释一下第一条怎么不利呢？ 第二条是不是每个不符点都要扣钱呢？ 第三点第四点里面的那个百分比又是个什么样的概念呢？ 汇丰银行的开的信用证都是这样晦涩难懂吗？

Answer 1

　　你这应该是汇丰银行开出的信用证，翻译如下，内容你自己把握：
　　+ALTHOUGH TRADE TERM IS 'FOB YANTIAN,CHINA', BILLS OF LADING MUST BE MARKED 'FREIGHT PAYABLE AT HONG KONG' OR 'FREIGHT COLLECT AT HONG KONG'. THE RELATIVE CHARGES ARE TO BE SETTLED BETWEEN APPLICANT AND BENEFICIARY DIRECTLY OUTSIDE THIS CREDIT AND THE DC ISSUING BANK DOES NOT GUARANTEE SUCH PAYMENT.
　　尽管贸易术语是FOB中国烟台，提单须注明“FREIGHT PAYABLE AT HONG KONG”（运费在香港支付）或“'FREIGHT COLLECT AT HONG KONG”（运费在香港托收），相关费用由开证申请人与受益人直接在证外结算，开证行不保证此项费用的支付。
　　+A HKD550.00 OR EQUIVALENT PLUS ALL RELATIVE CABLE CHARGES WILL BE DEDUCTED FROM THE REIMBURSEMENT CLAIM FOR EACH PRESENTATION OF DISCREPANT DOCUMENTS UNDER THIS DOCUMENTARY CREDIT. NOTWITHSTANDING ANY INSTRUCTIONS TO THE CONTRARY, THESE CHARGES SHALL BE FOR ACCOUNT OF BENEFICIARY.
　　每次提交的单据如果含有不符点，将会在偿付时扣减550港元的不符点费及相关的电讯费用，不管是否有相反指示，这项费用须由受益人支付。
　　+IF DC IS OVERDRAWN AND SUCH A DISCREPANCY IS ACCEPTED BY APPLICANT AND DC ISSUING BANK, DC OVERDRAWN COMMISSION AT 1/4 PCT (MIN. HKD500.00 OR EQUIVALENT) ARE FOR ACCOUNT OF BENEFICIARY AND WILL BE DEDUCTED FROM THE PROCEEDS AT TIME OF REIMBURSEMENT
　　如果超证支款而此不符点被开证申请人与开证行接受，超支佣金将按25%收取（最低收500港元），此费用由受益人支付，在偿付时扣减。
　　+IF DC IS EXPIRED AND SUCH A DISCREPANCY IS ACCEPTED BY APPLICANT AND DC ISSUING BANK. DC EXPIRED COMMISSION AT 1/4 PCT PER 6 MONTHS (MIN. HKD500.00 OR EQUIVALENT) ARE FOR ACCOUNT OF BENEFICIARY AND WILL BE DEDUCTED FROM PROCEEDS AT TIME OF REIMBURSEMENT
　　如果信用证过期而此不符点被开证申请人与开证行接受，过期佣金将按每6个月25%收取（最低收500港元），此费用由受益人支付，在偿付时扣减。

Answer 2

+虽然贸易长期是'离岸盐田港，中国'，提单可以注明'运费在香港应付'或'货领取香港'。相对费用就得到解决，与申请人和受益人的信用证外，直流开证银行直接不保证这样的付款。 +一个HKD550.00或有线等效加上所有费用都相对从下本信用证一科提交单证不符报销申请扣除。即使有任何相反的指示，这些收费应为受益人承担。 +如果DC是透支，这样的差异是由申请人与开证行直流，直流透支委员会受理的1 / 4厘（最小HKD500.00或等值）为受益人承担，并从货款中扣减位时偿付+如果DC是过期，这种差异是由申请人签发银行承兑与直流。区议会已于1月4日每6个月厘（最小HKD500.00或同等学历）由受益人帐户，并从货款中扣减委员会在回收期

Answer 3

+虽然贸易术语是“FOB盐田、中国的,提单

应标明“运费按香港”或“货运

聚集在香港”。相关的指控是需要解决

投保人和受益人之间直接外面这个信用

和开证不保证该付款。
+一HKD550.00或同等以及相对电传费

偿付金额中扣除5%的每个的简报

不符点单据的此信用证下所寄的文件。

无论有任何相反规定,这些费用

应由受益人承担。
+如果直流透支了,这样一种偏差是被接受的人寻求帮助

和开证申请人、直流透支委员会开始1 / 4

(分钟。HKD500.00或相关专业),由受益人承担

和在收入中扣除偿付时
+如果直流过期了,这样一种偏差是被接受的人寻求帮助

和开证申请人。直流过期委员会开始1 / 4

每6个月(分钟。HKD500.00或同等)是帐户

受益人和将被扣除的时候

还款

Answer 4

+尽管贸易术语是'FOB YANTIAN,CHINA'，但提单上必须显示运费在香港支付，或运费在香港到付。
相关费用将在信用证之外由申请人和受益人直接结算，开证行不保证此类支付。
+对于本证下每次有不符点的文件提示，550港元或等值货币加相关电报费用将从偿付中扣除。
这些费用将由受益人支付，无论是否有相反的指示。
+如果信用证被透支且该不符点被申请人接受，百分之0.25最低500港元的透支费将由受益人支付并且在偿付款中扣除。
如果信用证过期且该不符点被申请人接受，每6个月百分之0.25最低500港元的的过期费将由受益人支付并且在偿付款中扣除。

第一个不利。