加拿大外贸
银行对信用证的保险单据的审核标准如下1.保险单据，例如保险单或预约保险项下的的保险证明书或者声明书，必须看似由保险公司或承保人或其代理人或代表出具并签署。代理人或代表的的签字必须标明其系代表保险公司或承保人签字。
2.可以接受保险单代替预约保险项下的保险证明书或声明书。
3.如果保险单据标明其以多份正本出具，所有正本均须提交给银行。
4.保险单据日期不得晚于开船日，除非保险单据表明保险责任不迟于开船日生效。
5.保险单据必须标明投保金额并以与信用证相同的货币表示。
6.暂保单将不被接受。
7.信用证对于投保金额为货物价值，发票金额或类似金额的某一比例的要求，将被视为对最低保额的要求。
8.如果信用证对投保金额未作规定，投保金额必须至少为货物的CIF或者CIP价格的110%。
9.如果从单据中不能确定CIF或者CIP价格，投保金额必须基于要求承付或议付的金额，或者基于发票上显示的货物总值来计算，两者之中取金额较高者。
10.保险单据须标明承包的风险区间至少涵盖从信用证规定的货物监管地或发运地开始到卸货地或最终目的地为止。
11.信用证应规定所需投保的险别及附加险（如果有的话）。如果信用证使用诸如“通常风险”或“惯常风险”等含义不确切的用语，则无论是否有漏保之风险，保险单据都将被照样接受。
12.当信用证规定投保“一切险”时，如保险单据载有任何“一切险”批注或条款，无论是否有“一切险”标题，均将被接受，即使其声明任何风险除外。
13.保险单据可以注明受免赔率或免赔额（减除额）约束。
14.保险单据可以援引任何除外条款。
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代理人签的应该是无效 需要保险公司直接签发的
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代理人是无权签发保单，代理人是可以出具保险单据。
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具体的从简方法好像没有讲呢!:lol
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:D :D :D :D
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针对的英文版本是这样的。能吃透它的精神，得利益会更大：
a. An insurance document, such as an insurance policy, an insurance certificate or a declaration under an open cover, must appear to be issued and signed by an insurance company, an underwriter or their agents or their proxies.
Any signature by an agent or proxy must indicate whether the agent or proxy has signed for or on behalf of the insurance company or underwriter.
b. When the insurance document indicates that it has been issued in more than one original, all originals must be presented.
c. Cover notes will not be accepted.
d. An insurance policy is acceptable in lieu of an insurance certificate or a declaration under an open cover.
e. The date of the insurance document must be no later than the date of shipment, unless it appears from the insurance document that the cover is effective from a date not later than the date of shipment.
f. i. The insurance document must indicate the amount of insurance coverage and be in the same currency as the credit.
ii. A requirement in the credit for insurance coverage to be for a percentage of the value of the goods, of the invoice value or similar is deemed to be the minimum amount of coverage required.
If there is no indication in the credit of the insurance coverage required, the amount of insurance coverage must be at least 110% of the CIF or CIP value of the goods.
When the CIF or CIP value cannot be determined from the documents, the amount of insurance coverage must be calculated on the basis of the amount for which honour or negotiation is requested or the gross value of the goods as shown on the invoice, whichever is greater.
iii. The insurance document must indicate that risks are covered at least between the place of taking in charge or shipment and the place of discharge or final destination as stated in the credit.
g. A credit should state the type of insurance required and, if any, the additional risks to be covered. An insurance document will be accepted without regard to any risks that are not covered if the credit uses imprecise terms such as “usual risks” or “customary risks”.
h. When a credit requires insurance against “all risks” and an insurance document is presented containing any “all risks” notation or clause, whether or not bearing the heading “all risks”, the insurance document will be accepted without regard to any risks stated to be excluded.
i. An insurance document may contain reference to any exclusion clause.
j. An insurance document may indicate that the cover is subject to a franchise or excess (deductible).
awen2188
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指导信用证业务操作的国际惯例，都是以英文定版的。翻译文本多少有些偏差。所以，能看英文版的，最好先研究它。那样方能很准确地把握住惯例的精髓所在，提高业务水准，精通、玩好信用证。
awen2188
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收银子为王道，
所有单证尽量统一为信用证开道。
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