Question

结合跟单信用证流程图，分析信用证业务处理中各方当事人应注意的事项？

Answer 1

申请人注意填写开证申请时依据合同内容填写，并将信用证草本发受益人确认，受益人确认无误后再通知开证行开正本，以免引起日后改证的麻烦。
受益人拿到信用证草本之后要认真审核，依据合同审核信用证条款，核对59条款受益人名称、地址，45A货物描述，46A单据要求，47A附加条款，看是否有不能提供的单据或不合理条款。同时注意装运日、失效地和失效日。

追问

答非所问，再帮忙找找。谢谢~

追答

你是想问哪方面的？信用证当事人主要是开证行、通知行、申请人、受益人。

Answer 2

The following is a step-by-step description of a typical Letter of
Credit transaction:
1. An Importer (Buyer) and Exporter (Seller) agree on a purchase and sale
of goods where payment is made by Letter of Credit.
2. The Importer completes an application requesting its bank (Issuing
Bank) to issue a Letter of Credit in favour of the Exporter. Note that the
Importer must have a line of credit with the Issuing Bank in order to
request that a Letter of Credit be issued.
3. The Issuing Bank issues the Letter of Credit and sends it to the Advising
Bank by telecommunication or registered mail in accordance with the
Importer’s instructions. A request may be included for the Advising
Bank to add its confirmation (See page 24 for more information on
Letter of Credit confirmation). The Advising Bank is typically located in
the country where the Exporter carries on business and may be the
Exporter’s bank but it does not have be.
4. The Advising Bank will verify the Letter of Credit for authenticity and
send a copy to the Exporter.
5. The Exporter examines the Letter of Credit to ensure:
a) it corresponds to the terms and conditions in the purchase and
sale agreement;
b) documents stipulated in the Letter of Credit can be produced; and
c) the terms and conditions of the Letter of Credit may be fulfilled.
6. If the Exporter is unable to comply with any term or condition of the
Letter of Credit or if the Letter of Credit differs from the purchase and
sale agreement, the Exporter should immediately notify the Importer
and request an amendment to the Letter of Credit.
7. When all parties agree to the amendments, they are incorporated into
the terms of the Letter of Credit and advised to the Exporter through
the Advising Bank. It is recommended that the Exporter does not make
any shipments against the Letter of Credit until the required
amendments have been received.
8. The Exporter arranges for shipment of the goods, prepares and/or
obtains the documents specified in the Letter of Credit and makes
demand under the Letter of Credit by presenting the documents within
the stated period and before the expiry date to the “available with” Bank.
This may be the Advising/Confirming Bank. That bank checks the
documents against the Letter of Credit and forwards them to the Issuing
Bank. The drawing is negotiated, paid or accepted as the case may be.
9. The Issuing Bank examines the documents to ensure they comply with
the Letter of Credit terms and conditions. The Issuing Bank obtains
payment from the Importer for payment already made to the “available
with” or the Confirming Bank.
10. Documents are delivered to the Importer to allow them to take
possession of the goods from the transport company. The trade cycle
is complete as the Importer has received its goods and the Exporter
has obtained payment.
Note: In the diagram below, the Advising Bank is also acting as the
Confirming Bank.