People's Bank of China Measures for Settlement by
               Domestic Letter of Credit
 
中國銀行國內(nèi)信用證結(jié)算辦法
 
Promulgating Institution: People's Bank of China頒布機(jī)關(guān): 中國人民銀行
Document Number: Yin Fa [1997] No. 265     文   號: 銀發(fā)[1997]265號
Promulgating Date: 07/16/1997              頒布時間: 07/16/1997
Effective Date: 08/01/1997                  實施時間: 08/01/1997
Validity Status: Valid                      效力狀態(tài): 有效
 
 
Chapter 1 General Provisions第一章  總則
  Article 1    These Measures are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and other applicable laws and regulations, with a view to adapting to the needs of domestic trading activities and boosting the healthy development of the socialist market economy of China.
     第一條  為適應(yīng)國內(nèi)貿(mào)易活動的需要,促進(jìn)我國社會主義市場經(jīng)濟(jì)的健康發(fā)展,依據(jù)《中華人民共和國中國人民銀行法》以及有關(guān)法律法規(guī),制定本辦法。
 
  Article 2    For the purpose of these Measures, a letter of credit (L/C) shall refer to an undertaking issued by an issuing bank at the request of an applicant to pay an amount of money against documents that are in compliance with the terms and conditions in the L/C.
The L/C as prescribed in the preceding paragraph shall be an irrevocable and non-transferrable documentary L/C.
     第二條  本辦法所稱信用證,是指開證行依照申請人的申請開出的,憑符合信用證條款的單據(jù)支付的付款承諾。
前款規(guī)定的信用證為不可撤銷、不可轉(zhuǎn)讓的跟單信用證。
 
  Article 3    These Measures shall apply to settlement by L/C between and among domestic enterprises for commodity trading.
第三條       本辦法適用于國內(nèi)企業(yè)之間商品交易的信用證結(jié)算。
第四條       
  Article 4    Head offices of commercial banks that have been approved by the People's Bank of China to operate settlement business, and branch offices that have been approved by the head offices of commercial banks to operate settlement business by L/C may carry out settlement business by L/C.
Banking institutions without approval and urban credit cooperatives, rural credit cooperatives as well as other non-banking financial institutions shall not engage in settlement business by L/C.
     第四條  經(jīng)中國人民銀行批準(zhǔn)經(jīng)營結(jié)算業(yè)務(wù)的商業(yè)銀行總行以及經(jīng)商業(yè)銀行總行批準(zhǔn)開辦信用證結(jié)算業(yè)務(wù)的分支機(jī)構(gòu),可以辦理信用證結(jié)算業(yè)務(wù)。
未經(jīng)批準(zhǔn)的銀行機(jī)構(gòu)和城市信用合作社、農(nóng)村信用合作社及其他非銀行金融機(jī)構(gòu)不得辦理信用證結(jié)算業(yè)務(wù)。
 
  Article 5    The parties concerned in settlement by L/C shall comply with laws, regulations and these Measures, and may not prejudice social and public interests.
The parties concerned in settlement by L/C shall follow the principle of good faith, perform their obligations conscientiously, and may not involve in fraudulent activities in violation of the law by means of L/C.
     第五條  信用證結(jié)算的當(dāng)事人應(yīng)當(dāng)遵守法律、法規(guī)以及本辦法的規(guī)定,不得損害社會公共利益。
信用證結(jié)算的當(dāng)事人應(yīng)當(dāng)遵守誠實信用原則,認(rèn)真履行義務(wù),不得利用信用證進(jìn)行欺詐等違法犯罪活動。
 
  Article 6    A L/C shall be used for transfer settlement only, and not for cash withdrawal.
     第六條  信用證只限于轉(zhuǎn)帳結(jié)算,不得支取現(xiàn)金。
 
  Article 7    A L/C and the underlying purchase and sales contract are independent of each other. When handling L/C business, banks shall not be bounded by such purchase and sales contracts.
Undertakings given by a bank to make payments, negotiations or to perform other obligations under a L/C shall not be bounded by the relationship between the applicant and the issuing bank, and that between the applicant and the beneficiary.
Under no circumstances shall a beneficiary take advantage of the contractual relationship between the banks or between the applicant and the issuing bank.
     第七條  信用證與作為其依據(jù)的購銷合同相互獨立,銀行在處理信用證業(yè)務(wù)時,不受購銷合同的約束。
    一家銀行作出的付款、議付或履行信用證項下其他義務(wù)的承諾不受申請人與開證行、申請人與受益人之間關(guān)系的制約。
受益人在任何情況下,不得利用銀行之間或申請人與開證行之間的契約關(guān)系。
 
  Article 8    In the settlement by L/C, the parties concerned deal with documents rather than the goods and labor services relating thereto.
     第八條  在信用證結(jié)算中,各有關(guān)當(dāng)事人處理的只是單據(jù),而不是與單據(jù)有關(guān)的貨物及勞務(wù)。
 
Chapter 2 Issuance and Notification第二章  開證與通知
  Article 9    Application for issuance第九條  開證申請
When an applicant intends to use a L/C, the said applicant shall entrust its deposit bank with the issuance business.
When an applicant applies for issuance, the said applicant shall fill out an application form of issuance and an undertaking of applicants of L/C, and submit the relevant purchase and sales contract. The matters included in the application form of issuance and the undertaking of applicants of L/C shall be complete and clear, and the said form and undertaking shall be signed and sealed by the applicant. The signature and seal shall be identical with those reserved by the bank in advance.
The application form of issuance and the undertaking of applicants of L/C shall constitute the basis for an issuing bank to issue a L/C to beneficiaries, and shall also serve as contractual documents specifying the respective rights and obligations of the issuing bank and the applicant.
  
    開證申請人使用信用證時,應(yīng)委托其開戶銀行辦理開證業(yè)務(wù)。
    開證申請人申請辦理開證業(yè)務(wù)時,應(yīng)當(dāng)填具開證申請書、信用證申請人承諾書并提交有關(guān)購銷合同。開證申請書和承諾書記載的事項應(yīng)完整、明確,并由申請人簽章。簽章應(yīng)與預(yù)留銀行的簽章相符。
開證申請書和承諾書是開證銀行向受益人開立信用證的依據(jù),也是開證銀行與開證申請人之間明確各自權(quán)責(zé)的契約性文件。
 
  Article 10    Acceptance of an issuance application  第十條  受理開證
An issuing bank shall decide whether to accept the issuance business on the basis of the application form of issuance and the undertaking of applicants of L/C and the purchase and sales contract submitted by an applicant. When the issuing bank decides to accept the business, it shall charge the applicant a security deposit of no lower than 20% of the amount to be issued, and may, on the basis of the credit standing of the applicant, require the applicant to provide a mortgage, a pledge, or a letter of guarantee produced by other financial institutions.
An issuing bank shall, while issuing a L/C, charge an applicant possessing fees and postal fees pursuant to relevant provisions.
       開證行根據(jù)申請人提交的開證申請書、信用證申請人承諾書及購銷合同決定是否受理開證業(yè)務(wù)。開證行在決定受理該項業(yè)務(wù)時,應(yīng)向申請人收取不低于開證金額20%的保證金,并可根據(jù)申請人資信情況要求其提供抵押、質(zhì)押或由其他金融機(jī)構(gòu)出具保函。
開證行開立信用證,應(yīng)按規(guī)定向申請人收取開證手續(xù)費(fèi)及郵電費(fèi)。
 
  Article 11    Basic terms and conditions of a L/C第十一條  信用證的基本條款
A L/C shall set out the terms and conditions as follows: 信用證應(yīng)包括如下條款:
(1) name and address of the issuing bank. (一)開證行名稱及地址。
(2) date of issuance. (二)開證日期。
(3) L/C number.  (三)信用證編號。
(4) irrevocable and non-transferrable L/C. (四)不可撤銷、不可轉(zhuǎn)讓信用證。
(5) name and address of the applicant. (五)開證申請人名稱及地址。
(6) name and address of the beneficiary. A beneficiary shall be a person entitled to receive the amount indicated on the L/C. In general, the beneficiary shall be the supplier under the purchase and sales contract.
    (六)受益人名稱及地址。受益人為有權(quán)收取信用證款項的人,一般為購銷合同的供方。
 
(7) name of the advising bank. An advising bank shall be a bank authorized by the issuing bank to notify the beneficiary of the L/C.
    (七)通知行名稱。通知行為受開證行委托向受益人通知信用證的銀行。
 
(8) term of validity and valid place of the L/C. The term of validity of a L/C shall be the deadline for the beneficiary to submit documents to the bank, which shall not be longer than six (6) months; and valid place shall be the place designated on the L/C for the submission of documents, i.e. the locus of the negotiating bank or the issuing bank.
(八)信用證有效期及有效地點。信用證有效期為受益人向銀行提交單據(jù)的最遲期限,最長不得超過6個月;信用證的有效地點為信用證指定的單據(jù)提交地點,即議付行或開證行所在地。
 
(9) document submission date. Document submission date shall be a specific date on which transport documents shall be submitted after shipment of goods as indicated on the L/C. Where such a date is not specified, a bank shall not accept documents submitted later than fifteen (15) days upon the date of shipment.
(九)交單期。交單期為提交運(yùn)輸單據(jù)的信用證所注明的貨物裝運(yùn)后必須交單的特定日期。未規(guī)定該期限,銀行不接受遲于裝運(yùn)日后15天提交的單據(jù)。
 
(10) L/C amount.   (十)信用證金額。
(11) methods of payment, i.e. payment at sight , deferred payment or negotiation. A deferred payment L/C shall be paid within a fixed period after the date of shipment, which shall not be longer than six (6) months. Negotiation L/C shall designate the deposit bank of the beneficiary as the negotiating bank hereunder and authorize the same with negotiation.
(十一)付款方式,即期付款、延期付款或議付。延期付款信用證的付款期限為貨物發(fā)運(yùn)日后定期付款,最長不得超過6個月。議付信用證應(yīng)在此條款中指定受益人的開戶行為議付行并授權(quán)其議付。
 
(12) terms and conditions of carriage: (十二)運(yùn)輸條款:
 
(a) means of transport;  1、運(yùn)輸方式;
(b) place of shipment and destination of goods;  2、貨物裝運(yùn)地和目的地;
(c) whether the goods shall be transported by partial shipment or transshipment. Where the same is not specified, it shall be deemed that partial shipment and transshipment are permitted;
      3、貨物是否分批裝運(yùn)和轉(zhuǎn)運(yùn),未作規(guī)定的,視為允許貨物分批裝運(yùn)和轉(zhuǎn)運(yùn);
 
(d) deadline of shipment of goods. Where the same is not specified, the term of validity of the L/C shall be regarded as the deadline of shipment.
    4、貨物最遲裝運(yùn)期,未規(guī)定此期限的,信用證有效期視為貨物最遲裝運(yùn)期。
 
(13) description of the goods, including name, quantity and price of the goods.
(十三)貨物描述,包括貨物名稱、數(shù)量、價格等。
 
(14) terms and conditions of the documents, which shall indicate the documents by which payment or negotiation is to be performed, including at least invoices, transport documents or receipts of goods.
    (十四)單據(jù)條款,必須注明據(jù)以付款或議付的單據(jù),至少包括發(fā)票、運(yùn)輸單據(jù)或貨物收據(jù)。
 
(15) other terms and conditions.  (十五)其他條款。
 
(16) statements of guarantee of the issuing bank.    (十六)開證行保證文句。
 
  Article 12    Ways of opening a L/C  第十二條  信用證開立方式
A L/C may be opened by post or by telex. A L/C opened by post shall be affixed with the special L/C seal of the issuing bank and the private seal of the handler, given a test key, and sent to the advising bank; a L/C opened by telex shall be given a test key by the issuing bank and sent to the advising bank by telex.
   開立信用證可以采用信開和電開方式。信開信用證,應(yīng)由開證行加蓋信用證專用章和經(jīng)辦人名章并加編密押,寄送通知行;電開信用證,應(yīng)由開證行加編密押,以電傳方式發(fā)送通知行。
 
  Article 13    Obligations of an issuing bank  第十三條  開證行的義務(wù)
After a L/C has been opened and specified documents in compliance with the terms and conditions under the L/C have been submitted to an issuing bank, the issuing bank shall perform the following obligations:
(1) immediate payment shall be made for a L/C of payment at sight;
(2) in the case of a deferred payment L/C, payment shall be made on the due date as indicated on the L/C;
(3) in the case of a negotiation L/C, payment shall be made to the negotiable bank on the due date as indicated on the L/C.
信用證開立后,在其規(guī)定的單據(jù)提交開證行,并符合信用證條款的,開證行應(yīng)履行如下義務(wù):
    (一)對即期付款的信用證,應(yīng)即期付款;
    (二)對延期付款的信用證,應(yīng)于信用證規(guī)定的到期日付款;
(三)對議付信用證,應(yīng)于信用證規(guī)定的到期日向議付行付款。
 
  Article 14    Modification of a L/C第十四條  信用證的修改
(1) Application for modification of a L/C
An applicant who wishes to modify any content of an opened L/C shall fill out an application for modification of L/C, an undertaking of applicants for modification of L/C and produce a written certificate containing consent of the beneficiary to such modifications for the original issuing bank of the L/C to specify the contents of modification.
(2) Acceptance of application for modification
Where the modification applied for is to increase the amount covered under the L/C, an issuing bank may require the applicant to increase the security for issuance.
Where the modification applied for is to change the term of validity, the term after modification may not exceed the longest term of a L/C.
The L/C modification form issued by the issuing bank shall indicate the ordinal number of this modification.
(3) Ways of opening L/C modifications
The L/C modification form may be opened by post or by telex. A L/C modification form opened by post shall be affixed with the special L/C seal of the issuing bank and private seal of the handler, given a test key, and sent to the advising bank; a L/C modification form opened by telex shall be given a test key by the issuing bank and sent to the advising bank by telex.
The issuing bank shall send notices of L/C modifications through the advising bank of the original L/C.
(4) The issuing bank shall be bound by the modifications as of the date when the L/C modification form is sent.
(5) The issuing bank shall collect modification processing fees and postal fees from the applicant for the opening of the L/C modification form in accordance with the provisions.
        (一)信用證修改申請
    開證申請人需對已開立的信用證內(nèi)容修改的,應(yīng)向原信用證開證行填具信用證修改申請書、信用證修改申請人承諾書并出具受益人同意修改的書面證明,明確修改的內(nèi)容。
    (二)受理修改
    增額修改的,開證行可要求申請人追加開證擔(dān)保。
    有效期修改的,不得超過信用證有效期的最長期限。
    開證行發(fā)出的信用證修改書中應(yīng)注明本次修改的次數(shù)。
    (三)信用證修改的開立方式
    開立信用證修改書可以采用信開和電開方式。信開信用證修改書的,應(yīng)由開證行加蓋信用證專用章和經(jīng)辦人名章并加編密押,寄送通知行;電開信用證修改書的,應(yīng)由開證行加編密押,以電傳方式發(fā)送通知行。
    開證行發(fā)出信用證修改的通知,應(yīng)通過原信用證通知行辦理。
    (四)自發(fā)出信用證修改書之日起,開證行即應(yīng)受修改內(nèi)容的約束。
(五)開證行開立信用證修改書,應(yīng)按規(guī)定向申請人收取修改手續(xù)費(fèi)及郵電費(fèi)。
 
  Article 15    Notification of a L/C  第十五條  信用證的通知
(1) Determination of the advising bank
Where the issuing bank and the deposit bank of the beneficiary are within the same banking system, the deposit bank of the beneficiary shall be the advising bank.
Where the issuing bank and the deposit bank of the beneficiary belong to different banking systems, the banking institution within the same system as the deposit bank of the beneficiary and at the same city thereof as determined by the issuing bank shall be the advising bank.
In the event that the issuing bank has no branch belonging to the same banking system at the place of domicile of the deposit bank of the beneficiary, the issuing bank shall choose a banking institution at the place of domicile of the deposit bank to establish the L/C agency relationship, and the chosen agency institution shall serve as the advising bank.
(2) Responsibilities of an advising bank
(a) Upon the receipt of a L/C and a L/C modification form, an advising bank shall verify such apparent authenticity as the authenticity of the signature and seal of the issuing bank and correctness of the test key used. Where no error is found, the advising bank shall fill out the advice of L/C or the advice of modification of L/C and deliver the same to the beneficiary together with the L/C or the L/C modification form.
(b) Where an advising bank finds any inconsistency of the signature and seal in the L/C or L/C modification form, the advising bank shall promptly return the same to the issuing bank and inform the issuing bank of such inconsistencies; where the test key is found to be inconsistent, the advising bank shall consult with the issuing bank for correction.
(c) Where the contents of a L/C or L/C modification form received by an advising bank are incomplete or unclear, the advising bank shall promptly consult with the issuing bank and require the same to provide necessary information. Prior to any reply from the issuing bank, the advising bank may notify the beneficiary of the L/C or L/C modification form received, on which it shall indicate that such a notice is for reference only, and that the advising bank shall not be held liable therefor.
(d) An advising bank shall deal with any L/C or L/C modification form within three (3)business days from the day following the date of receipt thereof.
       (一)通知行的確定
    開證行與受益人開戶行為同一系統(tǒng)行的,受益人開戶行為通知行。
    開證行與受益人開戶行為跨系統(tǒng)行的,開證行確定的在受益人開戶行的同城同系統(tǒng)銀行機(jī)構(gòu)為通知行。
    開證行在受益人開戶行所在地沒有同系統(tǒng)分支機(jī)構(gòu)的,應(yīng)在受益人所在地選擇一家銀行機(jī)構(gòu)建立信用證代理關(guān)系,其代理行為通知行。
    (二)通知行的責(zé)任
    1、通知行收到信用證及信用證修改書,應(yīng)認(rèn)真核驗開證行簽章的真?zhèn)巍⑺�用密押是否正確等表面真實性。無誤的,應(yīng)填制信用證通知書或信用證修改通知書,連同信用證或信用證修改書交付受益人。
    2、通知行確定信用證或信用證修改書簽章不符的,必須及時退開證行,并告知開證行簽章不符;密押不符的,應(yīng)向開證行查詢補(bǔ)正。
    3、通知行收到的信用證或信用證修改書的內(nèi)容不完整的或不清楚的,必須及時查詢開證行,并要求開證行提供必要的內(nèi)容。通知行在收到開證行回復(fù)前,可先將收到的信用證或信用證修改書通知受益人,并在信用證通知書或信用證修改通知書上注明該通知僅供參考,通知行不負(fù)任何責(zé)任。
4、通知行應(yīng)在收到信用證或信用證修改書的次日起三個營業(yè)日內(nèi)作出處理。
 
  Article 16    An issuing bank shall give a reply to an enquiry of an advising bank or provide necessary information requested thereby prior to the close of the business day following the date of receipt of the enquiry.
     第十六條  開證行必須于收到通知行查詢的次日營業(yè)終了前,對查詢行作出答復(fù)或提供其所要求的必要內(nèi)容。
 
  Article 17    Cancellation of a L/C   第十七條  信用證的注銷
Where a L/C is within the term of validity, the L/C may be cancelled upon agreement between the parties concerned through consultation, and after the original L/C has been withdrawn by the issuing bank.
Where the beneficiary fails to submit documents within the term of validity of a L/C, the issuing bank may cancel the L/C one (1) month after the expiration thereof.
Upon the cancellation of a L/C, the issuing bank shall discharge the security provided by the applicant.
      信用證未逾有效期的,經(jīng)信用證各當(dāng)事人協(xié)商同意,且開證行已收回正本信用證,該信用證可予注銷。
    受益人未在信用證有效期內(nèi)提交單據(jù)的,開證行可在信用證逾有效期一個月后注銷該信用證。
信用證注銷后,開證行應(yīng)解除開證申請人提供的擔(dān)保。
 
Chapter 3 Negotiation第三章  議付
  Article 18    Negotiation shall refer to the activity wherein a negotiable bank designated by a L/C shall pay consideration to the beneficiary after deduction of the negotiation interest provided that relevant documents conform to the terms and conditions of the L/C.
Pure verification of documents without payment of consideration shall not constitute a negotiation.
Negotiation shall be limited only to deferred payment L/C.
     第十八條  議付是指信用證指定的議付行在單證相符條件下,扣除義付利息后向受益人給付對價的行為。
    只審核單據(jù)而未付出對價的,不構(gòu)成議付。
議付僅限于延期付款信用證。
 
  Article 19    A negotiation bank shall be a deposit bank of the beneficiary as designated by the issuing bank. A bank that is not designated for negotiation or a designated negotiation bank that is not a deposit bank of the beneficiary may not conduct negotiation.
     第十九條  議付行必須是開證行指定的受益人開戶行。未被指定議付的銀行或指定的議付行不是受益人開戶行,不得辦理議付。
 
  Article 20    A beneficiary may, before the document submission date of a negotiation L/C or within the term of validity of a L/C, submit to the negotiation bank the documents, the original L/C, the original of the L/C modification form, the advice of L/C, and advice of modification of L/C, and fill out a L/C negotiation/entrusted payment collection application and the proof of negotiation to request for negotiation. The negotiable bank shall examine and verify the documents set out in the L/C within five (5) business days from the day following the date of acceptance. Where the verification confirms the prima facie conformity of the documents to the terms and conditions of the L/C, the negotiable bank shall specify on the reverse side of the original L/C the date of negotiation, business serial number, increment, amount of negotiation, balance of the L/C and the name of the negotiable bank, and affix thereto the business seal.
The actual amount of negotiation shall be the amount of negotiation minus the interest accrued from the date of negotiation to the date immediately preceding the due date of payment by L/C. The rate of negotiation shall be calculated in light of the discount rate.
     第二十條  受益人可以對議付信用證在交單期或信用證有效期內(nèi)向議付行提示單據(jù)、信用證正本、信用證修改書正本及信用證通知書、信用證修改通知書,并填制信用證議付/委托收款申請書和議付憑證,請求議付。議付行在受理的次日起五個營業(yè)日內(nèi)審核信用證規(guī)定的單據(jù),確定表面與信用證條款相符并決定議付的,應(yīng)在信用證正本背面記明議付日期、業(yè)務(wù)編號、增額、議付金額、信用證余額、議付行名稱,并加蓋業(yè)務(wù)公章。
實付議付金額按議付金額扣除議付日至信用證付款到期日前一日的利息計算。議付利率比照貼現(xiàn)利率。
 
  Article 21    Where a negotiable bank finds any inconsistencies between the documents submitted by the beneficiary and the terms and conditions of the L/C, the negotiation bank may contact the beneficiary to correct the inconsistencies so that the documents confirm to the terms and conditions of the L/C, and shall handle negotiation thereafter; where the inconsistencies still exist after the beneficiary has been contacted to make correction, the negotiable bank shall refuse to negotiate, and shall promptly give a written notice of refusal of negotiation stating the reasons thereof, and send the same to the beneficiary.
     第二十一條  議付行審核受益人提示的單據(jù)發(fā)現(xiàn)單據(jù)不符時,可洽受益人修改相符后,同意議付的,辦理議付;經(jīng)洽受益人修改仍不符,拒絕議付的,應(yīng)及時作出書面拒絕議付通知,注明拒絕議付理由,通知受益人。
 
  Article 22    As requested by a beneficiary, a negotiation bank may perform entrusted payment collection rather than negotiation for the beneficiary.
     第二十二條  議付行可以根據(jù)受益人的要求不作議付,僅為其辦理委托收款。
 
  Article 23    Claim for reimbursement第二十三條  索償
Upon negotiation, the negotiation bank shall send the documents to the issuing bank for reimbursement by means of entrusted payment collection. The amount claimed for reimbursement may not exceed the amount contained in the documents, unless otherwise specified in the L/C.
        議付行議付后,應(yīng)通過委托收款將單據(jù)寄開證行索償資金。除非信用證另有規(guī)定,索償金額不得超過單據(jù)金額。
 
  Article 24    Exercise of the right of recourse第二十四條  追索權(quán)的行使
After negotiation of a L/C, the negotiation bank shall be entitled to recourse against the beneficiary. Where payment is not received on the due date, the negotiation bank may recover the amount of negotiation from the account of the beneficiary.
        議付行議付信用證后,對受益人具有追索權(quán)。到期不獲付款的,議付行可從受益人帳戶收取議付金額。
 
  Article 25    Upon negotiation, the negotiation bank shall collect negotiation processing fees and postal fees from the beneficiary in accordance with the provisions.
     第二十五條  議付行議付后,應(yīng)按規(guī)定向受益人收取議付手續(xù)費(fèi)及郵電費(fèi)。
 
Chapter 4 Payment第四章  付款
  Article 26    When submitting documents to an issuing bank for collection of payments on the document submission date or within the term of validity of a L/C, a beneficiary shall fill out the proof of entrusted payment collection and the L/C negotiation/entrusted payment collection application with the deposit bank thereof, and produce documents, the original of the L/C and the original of L/C modification form. Upon receipt of the proof and documents, the deposit bank shall promptly submit the documents to the issuing bank for collection of payment of the beneficiary where the received proof and documents are examined as complete.
     第二十六條  受益人在交單期或信用證有效期內(nèi)向開證行交單收款,應(yīng)向開戶銀行填制委托收款憑證和信用證議付/委托收款申請書,并出具單據(jù)和信用證正本、信用證修改書正本。開戶銀行收到憑證和單證審查齊全后,應(yīng)及時為其向開證行辦理交單和收款。
 
  Article 27    Within five (5) business days from the date following the date of receipt of the proof of entrusted payment collection, documents and the notice of document submission posted by the negotiation bank, or the proof of entrusted payment collection, the original L/C, the original L/C modification form, documents and the L/C negotiation/entrusted payment collection application posted by the deposit bank of the beneficiary, an issuing bank shall verify the prima facie conformity of the documents to the terms and conditions of the L/C. Where the same is found to be consistent, the issuing bank shall collect relevant funds from the account of the applicant as payment to the beneficiary for L/C of payment at sight, or send to the negotiation bank or the beneficiary a confirmation of payment at maturity, and collect relevant funds from the account of the applicant as payment to the negotiation bank or the beneficiary for deferred payment L/C.
Upon payment, an issuing bank shall specify on the reverse side of the original L/C the date of payment, business serial number, increment, amount of payment, balance of the L/C and name of the issuing bank, affix thereto the business seal, and deliver to the applicant the notice of coming documents of L/C with relevant documents.
Upon receipt of the notice of coming documents of L/C and documents delivered by the issuing bank, if the applicant finds any inconsistence between the documents, the said applicant shall resolve such inconsistence through consultation with the issuing bank and the beneficiary, or bring a lawsuit before a competent People's Court.
     第二十七條  開證行在收到議付行寄交的委托收款憑證、單據(jù)及寄單通知書或受益人開戶行寄交的委托收款憑證、信用證正本、信用證修改書正本、單據(jù)及信用證議付/委托收款申請書的次日起五個營業(yè)日內(nèi),及時核對單據(jù)表面與信用證條款是否相符。無誤后,對即期付款信用證,從申請人帳戶收取款項支付給受益人;對延期付款信用證,應(yīng)向議付行或受益人發(fā)出到期付款確認(rèn)書,并于到期日從申請人帳戶收取款項支付給議付行或受益人。
    開證行付款后,應(yīng)在信用證正本背面記明付款日期、業(yè)務(wù)編號、增額、付款金額、信用證余額、開證行名稱,加蓋業(yè)務(wù)公章,并將信用證來單通知書連同有關(guān)單據(jù)交開證申請人。
開證申請人收到開證行交來的信用證來單通知書及單據(jù),發(fā)現(xiàn)單證不符的,應(yīng)與開證行、受益人協(xié)商解決,或向人民法院提起訴訟。
 
  Article 28    Where an issuing bank finds any inconsistence between the documents upon verification, the said bank shall notify the submitter of the documents of all inconsistencies by telecommunication within five (5) business days from the day following the date of receipt thereof. The notification shall state that the documents are kept in custody on behalf thereof for further disposal. The issuing bank shall concurrently consult with the applicant, and where the applicant agrees to make payment, the issuing bank shall make payment forthwith; where the applicant refuses to make payment, the issuing bank shall return the documents to the negotiation bank, or return the original L/C, the original L/C Modification Form and documents to the beneficiary.
     第二十八條  開證行審核單據(jù)發(fā)現(xiàn)不符的,應(yīng)在收到單據(jù)的次日起五個營業(yè)日內(nèi)將全部不符點用電訊方式通知交單人。該通知必須說明單據(jù)已代為保管聽候處理。同時商洽開證申請人,開證申請人同意付款的,開證行應(yīng)即辦理付款,開證申請人不同意付款的,開證行應(yīng)將單據(jù)退交議付行或?qū)⑿庞米C正本、信用證修改書正本及單據(jù)退交受益人。
 
  Article 29    Where the security deposit submitted by an applicant and the balance of the deposit account thereof are sufficient to satisfy the payment, the issuing bank shall still make payment within the time period as prescribed in Article 27 herein. The insufficient part shall be treated as a loan overdue. Where security such as mortgage, pledge or guarantee is provided by the applicant, reimbursement shall be claimed in accordance with relevant provisions of the Guaranty Law of the People's Republic of China.
     第二十九條  申請人交存的保證金和其存款帳戶余額不足支付的,開證行仍應(yīng)在第二十七條規(guī)定的時間內(nèi)進(jìn)行付款。對不足支付的部分作逾期貸款處理。對申請人提供抵押、質(zhì)押、保函等擔(dān)保的,按《中華人民共和國擔(dān)保法》的有關(guān)規(guī)定索償。
 
  Article 30    An issuing bank shall not be entitled to recourse against a negotiation bank or a beneficiary upon payment.
     第三十條  開證行付款后,對議付行或受益人不具有追索權(quán)。
 
Chapter 5 Standards for Verification of Documents第五章  單據(jù)審核標(biāo)準(zhǔn)
  Article 31    Upon the receipt of the documents, banks shall carefully verify all the documents as required by a L/C on the sole basis of the documents, so as to determine their prima facie conformity to the terms and conditions of the L/C. The banks may refuse to accept documents that fail to apparently conform to the terms and conditions of the L/C.
Where there are inconsistencies between and among the documents, the same shall be deemed as prima facie inconformity to the terms and conditions of a L/C.
     第三十一條  銀行收到單據(jù)時,必須僅以單據(jù)為依據(jù),認(rèn)真審核信用證規(guī)定的一切單據(jù),以確定其表面是否與信用證條款相符合。單據(jù)表面與信用證條款不符的,可以拒絕接受。
單據(jù)之間不一致,即視為表面與信用證條款不符。
 
  Article 32    Banks shall not verify any documents not required by a L/C, and shall return the same, upon receipt thereof, to the submitter or pass on the same. Banks shall not be held liable for such documents. Where a L/C contains certain conditions while the documents required therefor are not specified, the condition shall be deemed as unspecified.
     第三十二條  銀行不審核信用證沒有規(guī)定的單據(jù)。銀行收到此類單據(jù),應(yīng)退還交單人或?qū)⑵湔辙D(zhuǎn),并對此不負(fù)責(zé)任。
信用證含有某些條件而未列明必須提交的單據(jù),視為未列明此條件。
 
  Article 33     Where a L/C requires several copies of documents, the documents submitted shall contain at least one (1) original. Unless otherwise provided for in the L/C, documents made by computer or carbon paper shall be accepted as original by banks, provided that such documents are marked as original.
     第三十三條  信用證要求多份單據(jù)的,所提交的單據(jù)中至少應(yīng)有一份正本。除信用證另有規(guī)定外,單據(jù)通過電腦處理或復(fù)寫等方法制作,只要單據(jù)注明為正本,銀行也將接受其作為正本。
 
  Article 34    When any documents other than transport documents, insurance documents and commercial invoices are required by a L/C, the issuers and contents of such documents shall be expressly specified. In the event of failure to do so, banks may accept such documents as long as the contents of the same are not in conflict with other specified documents.
If a L/C contains any ambiguous expressions (e.g. "famous" and "top-ranking") used to describe the issuers of documents, as long as the documents submitted apparently conform to other terms and conditions of the L/C, the banks may accept the same.
     第三十四條  信用證要求提交運(yùn)輸單據(jù)、保險單據(jù)和商業(yè)發(fā)票以外的單據(jù)時,應(yīng)對單據(jù)的出單人及其內(nèi)容作出明確規(guī)定。未作此規(guī)定的,只要所提交的單據(jù)內(nèi)容與其他規(guī)定單據(jù)不矛盾,銀行可予接受。
信用證使用意義模糊的詞語(如“著名的”、“一流的”等)描述單據(jù)的出單人時,所提交的單據(jù)表面與信用證其他條款相符,銀行可予接受。
 
  Article 35    The date of issuance of any document may not be later than the term of validity of the L/C or the document submission date.
     第三十五條  所有單據(jù)的出單日期均不得遲于信用證的有效期或交單期。
 
  Article 36    Commercial invoices第三十六條  商業(yè)發(fā)票
(1) A commercial invoice shall be an invoice uniformly printed and made by state tax authorities with the applicant as the payer.
(2) Description of goods contained in an invoice shall conform to provisions of the L/C. Any other document may use general names of the goods, provided that such descriptions are not in conflict with those of the L/C.
(3) Invoice amounts may not exceed the amounts permitted by a L/C unless otherwise specified in the L/C.
         (一)商業(yè)發(fā)票必須是國家稅務(wù)部門統(tǒng)一印制的發(fā)票,其抬頭應(yīng)為開證申請人。
    (二)發(fā)票中的貨物描述必須與信用證規(guī)定相符,其他一切單據(jù)則可使用貨物統(tǒng)稱,但不得與信用證規(guī)定的貨物描述有抵觸。
(三)除信用證另有規(guī)定外,發(fā)票金額不得超過信用證所允許的金額。
 
  Article 37    Transport documents第三十七條  運(yùn)輸單據(jù)
(1) Road, rail, inland waterway, air or marine transport documents
(a) Where a L/C requires road, rail, inland waterway, air or marine transport documents, as long as the types of the documents conform to the L/C, the banks may accept the same.
(b) The documents shall contain thereon the signature and seal of the carrier or the agent thereof.
(c) In the case of documents affixed with a receipt stamp, the date of seal shall be regarded as the date of shipment; in the absence of the receipt stamp, the date of issuance of the documents shall be taken as the date of shipment.
(d) A transport document shall indicate the place of shipment and the destination as specified in the L/C.
(e) Where a L/C prohibits transshipment, as long as the whole transport is included in one (1) transport document, banks may accept a transport document indicating transshipment or possible transshipment.
(f) Where road, rail, inland waterway or marine transport is concerned, banks shall take the submitted transport documents as a full set of originals, regardless of whether a transport document is marked as original or not; in the case of air transport, banks shall accept the original of the air transport documents issued to the consignor, regardless of the provisions in the L/C.
(2) Postal receipts
The surface of a postal receipt shall contain the seal of the shipper as set out in a L/C, and the date of seal or other date as indicated shall be deemed as the date of shipment.
(3) Where a L/C provides that only receipts of goods shall be submitted as transport documents, the date of issuance of such documents shall be regarded as the date of shipment.
        (一)公路、鐵路、內(nèi)河、空運(yùn)或海洋運(yùn)輸單據(jù)
    1、信用證要求公路、鐵路、內(nèi)河、空運(yùn)或海洋運(yùn)輸單據(jù),只要單據(jù)類型與信用證規(guī)定相符,銀行可予接受。
    2、單據(jù)表面必須有承運(yùn)人或其代理人的簽章。
    3、單據(jù)蓋有收妥印章,蓋章日期即視為裝運(yùn)日期;未蓋此章的,則單據(jù)出具日期即視為裝運(yùn)日期。
    4、運(yùn)輸單據(jù)必須注明信用證規(guī)定的裝運(yùn)地和目的地。
    5、信用證禁止轉(zhuǎn)運(yùn)的,只要運(yùn)輸全過程包括在同一運(yùn)輸單據(jù)中,銀行可予接受注明將轉(zhuǎn)運(yùn)或可能發(fā)生轉(zhuǎn)運(yùn)的運(yùn)輸單據(jù)。
    6、在公路、鐵路、內(nèi)河或海洋運(yùn)輸方式中,不論運(yùn)輸單據(jù)是否注明為正本,銀行將視所提交的運(yùn)輸單據(jù)為全套正本予以接受;在空運(yùn)方式中,不論信用證如何規(guī)定,銀行將接受開給發(fā)貨人的正本空運(yùn)單據(jù)。
    (二)郵政收據(jù)
    郵政收據(jù)表面應(yīng)有信用證規(guī)定的裝運(yùn)人蓋章,蓋章日期或其它加注日期視為裝運(yùn)日期。
(三)信用證規(guī)定僅提交貨物收據(jù)作為運(yùn)輸單據(jù)時,該單據(jù)的出具日期即視為貨物裝運(yùn)日期。
 
  Article 38    Insurance policies第三十八條  保險單據(jù)
(1) Insurance policies shall be signed and sealed and produced by relevant insurance companies or the agent thereof.
(2) Original insurance policies shall be submitted unless otherwise provided for by a L/C.
(3) Unless it is indicated on the insurance policies that insurance liabilities shall come into effect no later than the date of shipment, the date of issuance of such documents shall be no later than the date of shipment indicated in the transport documents.
(4) The insured amount under the insurance policies shall be not less than the amount of goods contained in the invoices, unless otherwise provided for in the L/C.
(5) A L/C shall specify the types of insurance required and the necessary additional insurance coverage. In the absence of such information, the insurance policy shall mean that the main risks are insured.
(6) Banks shall accept insurance policies with franchise constraints unless otherwise specified in a L/C.
        (一)保險單據(jù)必須由保險公司或其代理人出具并簽章。
    (二)除信用證另有規(guī)定外,保險單必須提交正本。
    (三)除保險單據(jù)表明保險責(zé)任最遲于裝運(yùn)日起生效外,該單據(jù)的簽發(fā)日期不得遲于運(yùn)輸單據(jù)注明的裝運(yùn)日期。
    (四)除信用證另有規(guī)定外,保險單據(jù)的投保金額不得低于發(fā)票上的貨物金額。
    (五)信用證應(yīng)規(guī)定所需投保險別種類及必要的附加險,無此規(guī)定的,保險單據(jù)應(yīng)表明已投�；�本險。
(六)除信用證另有規(guī)定外,銀行將接受標(biāo)注有免賠率或免賠額約束的保險單據(jù)。
 
Chapter 6 Exemption and Penalties第六章  免責(zé)與罰則
  Article 39    Banks shall not be held liable for the formality, completeness, accuracy, authenticity or legal validity of any document.
The banks shall not be held liable for the status of goods stated in any document, or the goodwill or capacity of any parties concerned relating to the transport of goods.
     第三十九條  銀行對于任何單據(jù)的形式、完整性、準(zhǔn)確性、真?zhèn)涡曰蚍�律效�?不承擔(dān)責(zé)任。
銀行對任何單據(jù)中有關(guān)貨物狀況及與貨物運(yùn)輸有關(guān)當(dāng)事人的信譽(yù)、能力等,不承擔(dān)責(zé)任。
 
  Article 40    Banks shall not be held liable for any consequences arising out of or in connection with any delay or loss in the process of posting telegrams, letters or documents, or any error occurred in the process of telecommunication transmission.
     第四十條  銀行對由于任何電報、信函或單據(jù)郵遞過程中發(fā)生延誤、遺失所造成的后果,或者電訊傳遞過程中發(fā)生的差錯,不承擔(dān)責(zé)任。
 
  Article 41    Banks shall not be held liable for any and all consequences arising out of or in connection with any business interruption due to an event of force majeure such as extraordinarily serious flood and earthquake. Upon resumption of business, the banks shall not negotiate L/Cs that have lapsed the document submission date or the term of validity during the interruption, unless upon special authorization by the issuing banks.
     第四十一條  銀行對于因特大水災(zāi)、地震等不可抗力而中斷營業(yè)所引起的一切后果,不承擔(dān)責(zé)任。除經(jīng)開證行特別授權(quán)外,銀行恢復(fù)營業(yè)后,對于在營業(yè)中斷期間逾交單期或有效期的信用證,將不再據(jù)以議付。
 
  Article 42    Financial institutions that conduct L/C business in violation of these Measures shall assume the liabilities under L/Cs in accordance with these Measures. In addition, the People's Bank of China shall forfeit all processing fees received by the said institutions, impose thereon a fine of up to RMB 30,000 depending on the severity of the circumstances and pursue the liabilities of relevant persons subject to liabilities.
Any forgery or alteration of L/Cs, or forgery or alteration of any documents and papers attached thereto, or any fraudulent conducts by way of a forged L/C shall be subjected to legal liabilities in accordance with the Criminal Law of the People's Republic of China and the Decision of the Standing Committee of the National People's Congress on Punishing Crimes of Disrupting the Financial Order and other relevant laws.
     第四十二條  對不符合本辦法規(guī)定開辦信用證業(yè)務(wù)的金融機(jī)構(gòu),除按本辦法承擔(dān)信用證上的責(zé)任外,中國人民銀行應(yīng)沒收其手續(xù)費(fèi)所得,根據(jù)情節(jié)輕重,對其處以3萬元以下的罰款,并追究有關(guān)責(zé)任人員的責(zé)任。
對于偽造、變造信用證或偽造、變造附隨的單據(jù)、文件的,或者利用偽造的信用證進(jìn)行詐騙的,依照《中華人民共和國刑法》和《全國人民代表大會常務(wù)委員會關(guān)于懲治破壞金融秩序犯罪的決定》等法律,追究其法律責(zé)任。
 
  Article 43    Any advising bank that fails to notify of any L/C within the time period under these Measures shall be subject to a fine of equivalent to ten (10) times the notification processing fees.
     第四十三條  通知行未按本辦法規(guī)定時間通知信用證的,對其處以通知手續(xù)費(fèi)10倍的罰款。
 
  Article 44    An issuing bank that refuses to make or delays the payment of any document that meets the terms and conditions of the L/C without justifiable reasons shall pay to the negotiation bank or the beneficiary a daily damage at the rate of 0.5‰. of the amount under the document, and shall be subject to a daily fine at the rate of 0.7‰.of the amount under the document.
     第四十四條  開證行對符合信用證條款的單據(jù)無理拒付、拖延付款的,應(yīng)按單據(jù)金額每天萬分之五向議付行或受益人支付賠償金,并對其處以按單據(jù)金額每天萬分之七罰款。
 
Chapter 7 Supplementary Provisions第七章  附則
  Article 45    Formats and pages of the proof of L/Cs, L/C application form, L/C modification application form, L/C modification form, notice, negotiation application form and proof of negotiation and settlement shall be formulated uniformly by the People's Bank of China, and made by all commercial banks.
     第四十五條  信用證憑證、信用證申請書、信用證修改申請書、信用證修改書、通知書、議付申請書、議付結(jié)算憑證等格式、聯(lián)次由中國人民銀行統(tǒng)一制定,各商業(yè)銀行制作。
 
  Article 46    Banks shall, when handling settlement business by L/C, charge the parties concerned postal fees in accordance with the standards of the administrations of posts and communications, and collect processing fees on the basis of the following standards:
issuance processing fee: at a rate of 0.15% of the opening amount under the L/C but not less than RMB 100;
modification processing fee: RMB 100 per application. In the case of increment modification, the increased part shall be charged in accordance with the standards on issuance processing fees, but shall be not less than RMB 100. No additional processing fees for modification shall be charged;
Notification processing fee: RMB 50 per application;
Processing fee for modification notification: RMB 50 per application;
Negotiation processing fees: at a rate of 0.1% of the amount under the document under negotiation.
     第四十六條  銀行辦理信用證結(jié)算業(yè)務(wù),應(yīng)按郵電部門規(guī)定的標(biāo)準(zhǔn)向當(dāng)事人收取郵電費(fèi),并按以下標(biāo)準(zhǔn)收取手續(xù)費(fèi)。
    開證手續(xù)費(fèi):按開證金額的0.15%收取,最少不低于100元;
    修改手續(xù)費(fèi):按每筆100元收取,增額修改的,對增額部分按開證手續(xù)費(fèi)標(biāo)準(zhǔn)收取,最少不低于100元,不另收取修改手續(xù)費(fèi);
    通知手續(xù)費(fèi):按每筆50元收取;
    修改通知手續(xù)費(fèi):按每筆50元收取;
議付手續(xù)費(fèi):按議付單據(jù)金額的0.1%收取;
 
  Article 47    These Measures shall be subject to the interpretation and revision of the People's Bank of China.
     第四十七條  本辦法由中國人民銀行負(fù)責(zé)解釋和修改。
 
  Article 48    These Measures shall come into effect as of August 1, 1997.
   第四十八條 本辦法字1997年8月1日起生效。