加拿大外贸
美国客户，已预先通过TT支付30%货款，合同规定其余按照即期信用证，开证行富国银行麻烦知道的大神看下有什么要注意的地方，谢啦！
------------------------------ Message Header ----------------------------
Swift Output : FIN MT 700 Issue of a Documentary Credit
Sender : WFBIUS6SXXX
WELLS FARGO BANK, N.A.,SAN FRANCISCO,CA,US
Receiver : SZDBCNBSXXX
PING AN BANK CO., LTD. (FORMERLY SHENZHEN DEVELOPMENT BANK CO.,
LTD.)(HEAD OFFICE),SHENZHEN,CN
INPUT DATE&TIME: 2018/06/13 03:34:00
MUR : 10241838
------------------------------ Message Text ------------------------------
27 : Sequence of Total
1/1
40A : Form of Documentary Credit
IRREVOCABLE STANDBY
20 : Documentary Credit Number
IS000044266U
31C : Date of Issue
180612
40E : Applicable Rules
ISP LATEST VERSION
31D : Date and Place of Expiry
180731Issuer's Counters
50 : Applicant
（客户公司名称，地址）
59 : Beneficiary - Name & Address
（我们公司名字）
(SEE 47A FOR COMPLETE ADDRESS)
610015, CHENGDU, CHINA
32B : Currency Code, Amount
USD96563,15
41D : Available With...By... - Name&Addr
WELLS FARGO BANK, N.A.
794 DAVIS STREET, 2ND FLOOR
SAN LEANDRO, CA 94577-6922 USA
BY PAYMENT
42C : Drafts at...
SIGHT
42D : Drawee - Name & Address
WELLS FARGO BANK, N.A.
794 DAVIS STREET, 2ND FLOOR
SAN LEANDRO, CA 94577-6922 USA
47A : Additional Conditions
.
（我们公司详细地址）
.
WE HAVE BEEN INFORMED THAT THIS STANDBY LETTER OF CREDIT IS
ISSUED RELATIVE TO P.O. NO.1524 FOR THE SUPPLY OF 44,092 POUNDS
OF CARBONYL IRON POWDER INCLUDING SHIPPING IN THE TOTAL AMOUNT
OF USD 137,947.36 THE REMAINING BALANCE OF USD 96,563.15 TO BE
RELEASED WHEN BALANCE PAID IN FULL. THE PRECEDING SENTENCE IS
INSERTED IN THIS LETTER OF CREDIT FOR INFORMATIONAL PURPOSES
ONLY AND WILL NOT AFFECT, OR BECOME A PART OF, THE TERMS AND
CONDITIONS OF THIS LETTER OF CREDIT.
.
AT THE REQUEST AND FOR THE ACCOUNT OF THE ABOVE REFERENCED
APPLICANT, WE HEREBY ISSUE OUR IRREVOCABLE STANDBY LETTER OF
CREDIT (THE 'LETTER OF CREDIT') IN LIEU OF ADVANCE PAYMENT IN
YOUR FAVOR IN THE AMOUNT OF USD96,563.15 (NINETY SIX THOUSAND
FIVE HUNDRED SIXTY THREE AND 15/100 UNITED STATES DOLLARS)
AVAILABLE WITH US AT OUR ABOVE OFFICE BY PAYMENT AGAINST
PRESENTATION OF THE FOLLOWING DOCUMENTS:
.
1. A DRAFT DRAWN ON US AT SIGHT MARKED 'DRAWN UNDER WELLS FARGO
BANK, N.A. STANDBY LETTER OF CREDIT NO. IS000044266U.'
.
2. THE ORIGINAL OF THIS STANDBY LETTER OF CREDIT AND ANY
AMENDMENTS THERETO.
.
3. BENEFICIARY'S SIGNED AND DATED STATEMENT WORDED AS FOLLOWS:
.
QUOTE
THE UNDERSIGNED, AN AUTHORIZED REPRESENTATIVE OF
我们公司 ('BENEFICIARY') HEREBY CERTIFY THAT
客户公司 HAS NOT COMPLIED WITH
THE TERMS AND CONDITIONS OF THAT CERTAIN P.O. NO. 1524. THE
AMOUNT OF THE ACCOMPANIED DRAFT DRAWN UNDER WELLS FARGO BANK,
LETTER OF CREDIT NO. IS000044266U REPRESENTS A REFUND OF THE
ADVANCE PAYMENT. THEREFORE, WE DEMAND PAYMENT OF USD (INSERT
FULL AMOUNT) UNDER WELLS FARGO BANK, N.A. STANDBY LETTER OF
CREDIT NO. IS000044266U AS THE SAME IS DUE AND OWING.
UNQUOTE
.
THE AMOUNT OF THE ACCOMPANYING DRAFT DRAWN UNDER WELLS FARGO
BANK, N.A. STANDBY LETTER OF CREDIT NO. IS000044266U REPRESENTS
THE AMOUNT THE BENEFICIARY IS ENTITLED TO DRAW ON THE LETTER OF
CREDIT IN CONNECTION WITH THE REMAINING BALANCE PAID IN FULL.
UNQUOTE
.
THIS LETTER OF CREDIT EXPIRES AT OUR ABOVE OFFICE ON JULY 31,
2018.
.
ONLY ONE DRAFT MAY BE DRAWN AND PRESENTED UNDER AND IN
COMPLIANCE WITH THE TERMS OF THIS LETTER OF CREDIT, AND SUCH
DRAFT MUST BE FOR THE FULL AMOUNT OF THIS LETTER OF CREDIT.
.
WE HEREBY ENGAGE WITH YOU THAT EACH DEMAND PRESENTED UNDER AND
IN COMPLIANCE WITH THE TERMS AND CONDITIONS OF THIS LETTER OF
CREDIT WILL BE DULY HONORED IF PRESENTED TOGETHER WITH THE
DOCUMENTS SPECIFIED IN THIS LETTER OF CREDIT AT OUR OFFICE
LOCATED AT WELLS FARGO BANK, N. A., U.S. TRADE SERVICES, STANDBY
LETTER OF CREDIT, 794 DAVIS STREET, 2ND FLOOR, SAN LEANDRO, CA
94577-6922 . ON OR BEFORE THE ABOVE STATED EXPIRY DATE, OR ANY
EXTENDED EXPIRY DATE IF APPLICABLE.
.
THE DRAFT MUST ALSO BE ACCOMPANIED BY THE ORIGINAL OF THIS
LETTER OF CREDIT FOR THE PRESENTING BANKS ENDORSEMENT ON THIS
LETTER OF CREDIT OF OUR PAYMENT OF SUCH DRAFT AND THE PRESENTING
BANK MUST CERTIFY TO US ON THEIR COVERING LETTER WHICH
ACCOMPANIES THE DRAWING THAT THEY HOLD THE ORIGINAL LETTER OF
CREDIT FOR ENDORSEMENT.
.
THIS IRREVOCABLE STANDBY LETTER OF CREDIT SETS FORTH IN FULL THE
TERMS OF OUR UNDERTAKING. THIS UNDERTAKING IS INDEPENDENT OF
AND SHALL NOT IN ANY WAY BE MODIFIED, AMENDED, AMPLIFIED OR
INCORPORATED BY REFERENCE TO ANY DOCUMENT, CONTRACT OR AGREEMENT
REFERENCED HEREIN OTHER THAN THE STIPULATED ICC RULES AND
GOVERNING LAWS.
.
ALL CORRESPONDENCE AND DEMANDS MADE HEREUNDER MUST BE PRESENTED
IN THE ENGLISH LANGUAGE.
.
ALL BANKING CHARGES ARE FOR THE APPLICANT'S ACCOUNT.
.
EXCEPT AS OTHERWISE EXPRESSLY STATED HEREIN, THIS STANDBY LETTER
OF CREDIT IS SUBJECT TO THE INTERNATIONAL STANDBY PRACTICE
1998, INTERNATIONAL CHAMBER OF COMMERCE PUBLICATION NO. 590.
.
INSTRUCTION TO ADVISING BANK:
PLEASE URGENTLY ADVICE THIS STANDBY LETTER OF CREDIT TO THE
BENEFICIARY:
49 : Confirmation Instructions
WITHOUT
==========================================================================
Seq No.:MS99982018331510 OUR REF:ADOS06301800079
------------------------------ Message Header ----------------------------
Swift Input : FIN MT 730 Acknowledgement
Sender : SZDBCNBSXXX
PING AN BANK CO., LTD. (FORMERLY SHENZHEN DEVELOPMENT BANK CO.,
LTD.)(HEAD OFFICE),SHENZHEN,CN
Receiver : WFBIUS6SXXX
WELLS FARGO BANK, N.A.,SAN FRANCISCO,CA,US
OUTPUT DATE&TIME : 2018-06-13 10:41:33
------------------------------ Message Text ------------------------------
20 : Sender's Reference
ADOS06301800079
21 : Receiver's Reference
IS000044266U
30 : Date of Msg Being Acknowledged
180612
72 : Sender to Receiver Information
WE HAVE ADVICE THE L/C WITHOUT
ADDING OUR CONFIRMATION
评论
这不是正常的付款用的信用证，这是一份备用信用证，是银行为客户担保，如果客户未能按时付款，你们可以按照信用证的规定，提交汇票和单据等文件，开证行就会按汇票的金额赔付。
你们与客户之间签订的合同是符合规定付款方式的？
评论
合同上规定的付款方式是：
Terms of payment :
T/T 30% deposit in advance , balance L/C at sight
评论
41D : Available With...By... - Name&Addr
WELLS FARGO BANK, N.A.
794 DAVIS STREET, 2ND FLOOR
SAN LEANDRO, CA 94577-6922 USA
BY PAYMENT
这一项中的议付银行一般都是中国境内的银行，不是客户所在地的开证银行。
评论
这个不是议付行，这个是付款银行。
评论
就客户给你们开出备用信用证来看，客户是要在收到货物后，给你们电汇货款，你们必须在发货之后，将全部提单，发票等单据直接寄给客户。显然和你们之间约定的付款方式不同，最好立即联系客户，要求其作出详细的解释。
评论
好的， 谢谢你
评论
网上查了一下，好像这样写没有问题
评论
今天打电话问了银行那边负责信用证的，他们说这个不是备用信用证，把我弄糊涂了
评论
今天注意到客户之前发过来的P.O. NO. 1524中付款条件是这样写的：
Payment Terms : Net 30
评论
可能银行的人也是新手，信用证中44A条款是信用证的形式，明示为：不可撤销的备用信用证。
评论
你是打给平安深圳分行嘛？这个明显是备用信用证嘛，平安还能看错？
评论
这份信用证中的41D条款就是一个软条款，
意思是受益人必须向这家被指定的银行 WELLS FARGO BANK, N.A.（美国）
交单，在交单相符的情况下，由该银行对受益人付款。
正常情况下都是在中国境内的银行（通知行，同时兼付款行或议付行）交单。而不是向国外的银行（开证银行）
所以，这个条款就是个软条款，陷阱，所有的新手都栽在这里，
31D : Date and Place of Expiry
180731Issuer's Counters
还有这里，信用证到期地点居然是美国，这明显就是陷阱，交单时间根本来不及，
你自己好好学一下信用证结算这门课程。
评论
这个备用信用证，是不是说只有在买方不付款的情况下才生效，然后我们按照信用证上的要求，在有效期内将相关单据寄给开证行，开证行审核无误，才会偿付给我们，
至于买方通过何种方式付尾款，按照买卖合同中来 ？
评论
打电话问了，那边没仔细看，确实是备用信用证
客户应该就是想在收到货30天后再付款（因为之前发过来的P.O. NO. 1524中付款条件是这样写的：Payment Terms : Net 30）
但是备用信用证下个月底就到期了。
昨天让客户修改备用信用证，他说改不了，重新开要等个10天左右
只把P.O. NO. 1524中付款条件改成了Payment Terms : Special Terms as approved by 客户公司名称打电话问了，那边没仔细看，确实是备用信用证
客户应该就是想在收到货30天后再付款（因为之前发过来的P.O. NO. 1524中付款条件是这样写的：Payment Terms : Net 30）
但是备用信用证下个月底就到期了。
昨天让客户修改备用信用证，他说改不了，重新开要等个10天左右
只把P.O. NO. 1524中付款条件改成了Payment Terms : Special Terms as approved by 客户公司名称
评论
你们可以在信用证有效期之前，向银行提交汇票和其他单据和正本信用证，要求开证行付款，不用管是否发货。因为这份备用信用证的付款条件只有提交汇票等单据，并没有其他的要求。
评论
[quote]原帖由 JayTaylor 于 2018-6-21 16:18 发表 打电话问了，那边没仔细看，确实是备用信用证
客户应该就是想在收到货30天后再付款（因为之前发过来的P.O. NO. 1524中付款条件是这样写的：Payment Terms : Net 30）
但是备用信用证下个月底就到期了。
担心备证过期而起不了作用是有道理的。客户将P.O中的付款条件改成那样不好。
awen2188
评论
不妥。会违背本案备用证的 备而不用，不一定会用上 的基本原则。
awen2188
评论
谢啦，平安银行来电，再次确认该信用证非备用信用证，因为不是备用证的报文格式
因为客户也急着要货，所以就和客户协商T/T付款了
评论
谢谢了，学习了很多，一并谢谢大家
评论
又一个信用证失败的案例，只是因为不懂，还得好好学习啊
评论
内容与备用信用证相关。但报文格式用得不好（用了MT700）。可能是开证行疏忽了格式之规定这点。
awen2188
评论
确实有这样的情况。很多公司因为不很懂信用证，不敢或做不好信用证。因此而丢失许多商机是非常可惜的。其实信用证不难，多做就是了。
awen2188
评论
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