信用證基本格式 信用證信索怎麼寫

信用證雖沒有統一的格式，但其基本內容是相同的，主要包括以下幾個方面：

(1)開證行名稱

(2)信用證型別

(3)信用證號碼和開證日期

(4)申請人

(5)受益人

(6)金額

(7)有效期限

(8)貨物描述

(9)運輸

(10)需要的單據

(11)保證條款

(12)簽字或加押

(13)宣告適用《跟單信用證統一慣例》即《UCP600》。

41A：通常有PAYMENT L/C（付款L/C 即期不帶匯票）， DEFERRED PAYMENT L/C（遲期付款L/C）,ACCEPTANCE L/C（承兌 L/C）,NEGOTIATION L/C（議付L/C），而NEGOTIATION L/C只有中國大陸選用.但即使這樣，連"議付"都做不到，一般都是從開證行那裡收妥貨款後再支付給進口商.

按照"議付"議付是由議付行對匯票和（或）單據付出對價，只審查單據而不支付對價不構成議付.可以看出議付也就是銀行購買單據和匯票，向受益人提供資金融通.議付在香港臺灣譯為"買單"或"押匯".受益人向議付行提交單據後，議付行經稽核發現兩者相符，就買入單據墊付貨款，並按票面金額扣除從議付日到估計收到票據之日的利息，將其淨額付給出口商.

在"限制議付"這個問題上，各國和地區的解釋有比較爭論，這裡就不做詳述.

1.

信用證的格式：國際商會於1970年制訂了《開立跟單信用證標準格式》（Standard Form for the Issuing of Documentary Credit）:

1） 開立不可撤消跟單信用證標準格式-致受益人（The Standard Form for the Issuing of Documentary Letter of Credit-Advice for the Beneficiary）

2） 開立不可撤消跟單信用證標準格式-致通知行（The Standard Form for the Issuing of Documentary Letter of Credit-Advice for the Advising Bank）

3） 不可撤消跟單信用證通知書標準格式（The Standard Form for the Notification of Documentary Letter of Credit）

4） 跟單信用證修改書標準格式（The Standard Form for the Amendment to Documentary Letter of Credit）

2. 信用證的開立形式：

1） 信開本（To open by airmail）：開證銀行採用印就的信函格式的信用證，開證後以航空郵寄送通知行。

2） 電開本（To open by cable）：開證銀行使用電傳、傳真、SWIFT等各種電訊方法將信用證條款傳達給通知行。

a） 簡電本（Brief cable）：開證銀行只通知已經開證，將信用證的主要內容預先告通知行，詳細條款將另郵航寄通知行。簡電本在法律上是無效的，不能作為交單議付的依據。

b） 全電本（Full cable）：開證銀行以電電訊方式開證，把信用證全部條款傳達給通知行。全電本是交單議付的依據。

IRREVOCABLE DOCUMENTARY CREDIT APPLICATION TO:BANK OF CHINA JIANGSU BRANCH Beneficiary(full name and address): Applicant(full name and address): Partial shipment: Transhipment: Latest date of shipment: ( ) allowed ( ) allowed ( ) not allowed ( ) not allowed Date of expiry: Loading on board/dispatch/taking in charge Amount (Both in figures and words): From: To: Price term: Credit available with ( ) . ( ) by negotiation / ( ) by acceptance with beneficiary's draft for % of the invoice value at sight on issuing bank ( ) by sight payment / ( ) by deferred payment at days against the documents detailed herein Commodity: Shipping mark: Documents required: 1. ( ) Signed commercial invoice in 5 folds indicating l/c no. and contract no. 2. ( ) Full set (3/3) of clean on board ocean bills of lading made out to order and blank endorsed marked "( )freight prepaid / ( ) to collect" notify the applicant. ( ) Air waybill consigned to the applicant notify the applicant mared "freight ( ) to collect / ( ) prepaid". 3. ( ) Insurance policy/certificate in 2 folds for 110% of the invoice value,showing claims pay in china in the currency of the draft, blank endorsed covering ( ) ocean marine transportation / ( ) air transportation / ( ) overland transportation all risks, war risks as per clause. 4. ( ) Packing list/weight list in 3 folds indicating quantity/gross and net weights. 5. ( ) Certificate of origin in 3 folds. 6. ( ) Certificate of quantity/weight in 3 folds. 7. ( ) Certificate of quality in 3 folds issued by ( ) manufacturer / ( ) beneficiary. 8. ( ) Beneficiary's certified copy of telex/fax dispatched to the applicant within days/hours after shipment advising goods name,( ) name of vessel / ( ) flight no., date, quantity, weight and value of shipment. 9. ( ) Beneficiary's certificate certifying that ( ) one set of non-negotiable documents / ( )one set of non-negotiable documents (including 1/3 original b/l) has been dispatched to the applicant directly by courier/speed post. 10. Other documents, if any: Additional instructions: 1. All bankings charges outside the issuing bank are for beneficiary's account. 2. Documents must be presented within days after the date of shipment but within the validity of this credit. 3. Both quantity and amount % more or less are allowed. 4. All documents must be sent to issuing bank by courier/speed post in one lot. 5. Other terms, if any:。

信用證的電索匯條款是信用證中常見的條款，英文是REIMBURSEMENT BYTELECOMMUNICATION IS ACCEPTABLE 。

電索匯條款索匯的方式和路線與一般信索匯條款不同 ，電傳比信寄要快多了。 信用證除了電索匯條款，還有以下條款： 1. 遞送議付單據方法、次數和規定時間條款 2. 讓進口商從議付行拿取所有裝船單據條款 3. 匯率條款 4. 利率和利息條款 5. 生效和未生效條款 6. 軟條款 7. 自動延期條款 8. 不符點費用條款 9. 登出信用證條款 10. 不接受憑保函議付條款 11. 其它限制性條款 12. 對單據的格式、簽發和語言的要求條款。

此信用證可以在任何銀行議付。

議付信用證（NegotiationCredit），是指信用證規定由某一銀行議付或任何銀行都可議付的信用證。開證行邀請其他銀行買入匯票及/或單據，允許受益人向某一指定銀行或任何銀行交單議付。

議付信用證（NegotiationL/C），是指邀請其他銀行買入匯票及/或單據的信用證。即允許受益人向某一指定銀

議付信用證

行或任何銀行交單議付的信用證。

由於開立信用證銀行與受益人一般分處兩國，由受益人向開證行索款存在不便，受益人可以邀請一家本地銀行（議付行）先行審單墊款，這有利於出口商資金融通。對信用證申請人和開證行的好處是單證相符的單據沒有到達櫃檯前不需付款；且單證是否相符最終由開證行確認，開證行可以認為議付行寄來的單據有不符點而拒付。

議付信用證通常可以分為：公開議付信用證和限制議付信用證。

1.公開議付信用證（Open Negotiation L/C）是指開證行對願意辦理議付的任何銀行作公開議付邀請和普通付款承諾的信用證，即任何銀行均可按信用證的條款自由議付的信用證。

2.限制議付信用證（Restricted Negotiation L/C）是指開證行指定某一銀行或開證行本身自己進行議付的信用證。