国际商会托收统一规则说明(中英文版).doc

国际商会托收统一规则（中英文版）(ICC Uniform Rules for Collections ICC Publication No. 522 ) ICC Uniform Rules for CollectionsICC Publication No. 5221995 Revision in force as of January 1, 1996CONTENTA. General Provisions and DefinitionsApplication of URC 522Definition of CollectionParties to a CollectionB. Form and Structure of CollectionsC. Form of PresentationPresentationSight/AcceptanceRelease of Commercial DocumentsDocuments Against Acceptance (D/A) vs Documents Against Payment (D/P)Creation of DocumentsD. Liabilities and ResponsibilitiesGood Faith and Reasonable CareDocuments vs. Goods/Services/PerformancesDisclaimer for Acts of an Instructed PartyDisclaimer on Documents ReceivedDisclaimer on Effectiveness of DocumentsDisclaimer on Delays, Loss in Transit and TranslationForce MajeureE. PaymentPayment Without DelayPayment in Local CurrencyPayment in Foreign CurrencyPartial PaymentF. Interest, Charges and ExpensesInterestCharges and ExpensesG. Other ProvisionsAcceptancePromissory Notes and other InstructionsProtestCase-of-NeedAdvicesA. General Provisions and Definitions总则和定义Article 1Application of URC 522第一款：托收统一规则第522号的应用。a. The Uniform Rules for Collections, 1995 Revision, ICC Publication No.522, shall apply to all collections as defined in Article 2 where such rules are incorporated into the text of the “collection instruction” referred to in Article 4 and are binding on all parties thereto unless otherwise expressly agreed or contrary to the provisions of a national, state or local law and/or regulation which cannot be departed from. 国际商会第522号出版物托收统一规则1995年修订本将适用于第二款所限定的、并在第四款托收指示中列明适用该项规则的所有托收项目。除非另有明确的约定，或与某一国家、某一政府，或与当地法律和尚在生效的条例有所抵触，本规则对所有的关系人均具有约束力。b. Banks shall have no obligation to handle either a collection or any collection instruction or subsequent related instructions. 银行没有义务必须办理某一托收或任何托收指示或以后的相关指示。c. If a bank elects, for any reason, not to handle a collection or any related instructions received by it, it must advise the party from whom it received the collection or the instructions by telecommunication or, if that is not possible, by other expeditious means, without delay.如果银行无论出于何种理由选择了不办理它所收到的托收或任何相关的托收指示，它必须毫不延误地采用电讯，或者如果电讯不可能时采用其它快捷的工具向他收到该项指示的当事人发出通知。Article 2Definition of Collection第二款 托收的定义For the purposes of these Articles: 就本条款而言：a.“Collection” means the handling by banks of documents as defined in sub-Article 2 (b), in accordance received, in order to: 托收是指银行依据所收到的指示处理下述（2）款所限定的单据，以便于：I. obtain payment and/or acceptance, or取得付款和/或承兑；或II. deliver documents against payment and/or against acceptance, or凭以付款或承兑交单；或III. deliver documents on other terms and conditions. 按照其他条款和条件交单。b.“Documents”means financial documents and/or commercial documents: 单据是指金融单据和/或商业单据。I. “Financial documents”means bills of exchange, promissory notes, cheques, or other similar instruments used for obtaining the payment of money; 金融单据是指汇票、本票、支票或其他类似的可用于取得款项支付的凭证；II. “Commercial documents” means invoice, transport documents, documents of title or other similar documents, or any other documents whatsoever, not being financial documents.商业单据是指发票、运输单据、所有权文件或其他类似的文件，或者不属于金融单据的任何其他单据。c.“Clean collection” means collection of financial documents not accompanied by commercial documents.d.“Documentary collection”means collection of: 光票托收是指不附有商业单据的金融单据项下的托收。I. financial documents accompanied by commercial documents; 附有商业单据的金融单据项下的托收；II. Commercial documents not accompanied by financial documents. 不附有金融单据的商业单据项下的托收。Article 3第三款 托收的关系人a. For the purposes of these Articles the “parties thereto” are: 就本条款而言，托收的关系人有：I. the “principal” who is the party entrusting the handling of a collection to a bank; 委托人即委托银行办理托收的有关人；II. the “remitting bank” which is the bank to which the principal has entrusted the handling of a collection; 寄单行即委托人委托办理托收的银行；III. “collecting bank” which is any bank, other than the remitting bank, involved in processing the collection; 代收行即除寄单行以外的任何参与处理托收业务的任何银行；IV. the “presenting bank” which is the collecting bank making presentation to the drawee.b. The “drawee” is the one to whom presentation is to be made in accordance with the collection instruction. 付款人即根据托收指示向其提示单据的人。BForm and Structure of Collections托收的形式和结构Article 4Collection Instruction第四款 托收指示A i. All documents sent for collection must be accompanied by a collection instruction indicating that the collection is subject to URC522 and giving complete and precise instructions. Banks are only permitted to act upon the instructions given in such collection instruction, and in accordance with these Rules. 所有送往托收的单据必须附有一项托收指示，注明该项托收将遵循托收统一规则第522号文件并且列出完整和明确的指示。银行只准允根据该托收指示中的命令和本规则行事；ii. Banks will not examine documents in order to obtain instructions. 银行将不会为了取得指示而审核单据；iii. Unless otherwise authorized in the collection instruction, banks will disregard any instructions from any party/bank other than the party/bank from whom they received the collections. 除非托收指示中另有授权，银行将不理会来自除了他所收到托收的有关人/银行以外的任何有关人/银行的任何指令。B A collection instruction should contain the following items of information, as appropriate. 托收指示应当包括下述适宜的各项内容：i. Details of the bank from which the collection was received including full name, postal and SWIFT addresses, telex, telephone, facsimile numbers and reference. 收到该项托收的银行详情，包括全称、邮政和SWIFT地址、电传、电话和传真号码和编号；ii. Details of the principal including full name, postal address, and if applicable telex, telephone and facsimile numbers. 委托人的详情包括全称、邮政地址或者办理提示的场所以及，如果有的话，电传、电话和传真号码；iii. Details of the drawee including full name, postal address, or the domicile at which presentation is to be made and if applicable telex, telephone and facsimile numbers. 付款人的详情包括全称、邮政地址或者办理提示的场所以及，如果有的话，电传、电话和传真号码；iv. Details of the presenting bank, if any, including full name, postal address, and if applicable telex, telephone and facsimile numbers. 提示银行（如有的话）的详情，包括全称、邮政地址以及，如果有的话，电传和传真号码；v. Amount(s) and currency (ies) to be collected. 待托收的金额和货币；vi. List of documents enclosed and the numerical count of each document. 所附单据清单和每份单据的份数；vii. a) Terms and conditions upon which payment and/or acceptance is to be obtained. 凭以取得付款和/或承兑和条件和条款；b) Terms of delivery of documents against: 凭以交付单据的条件1) payment and/or acceptance付款和/或承兑2)other terms and conditions其他条件和条款It is the responsibility of the party preparing the collection instruction to ensure that the terms for the delivery of documents are clearly and unambiguously stated, otherwise banks will not be responsible for any consequences arising therefrom. 缮制托收指示的有关方应有责任清楚无误地说明，确保单据交付的条件，否则的话，银行对此所产生的任何后果将不承担责任；viii. Charges to be collected, indicating whether they may be waived or not. 待收取的手续费指明是否可以放弃；ix. Interest to be collected, if applicable, indicating whether it may be waived or not, including:a) rate of interestb) interest periodc) basis of calculation (for example 360 or 365 days in year) as applicable. 待收取的利息，如有的话，指明是否可以放弃，包括利率、计息期、适用的计算期基数（如一年按360天还是365天）；x. Method of payment and form of payment advice. 付款方法和付款通知的形式；xi. Instrucitons in case of non-payment, non-acceptance and/or non-compliance with other instructions. 发生不付款、不承兑和/或与其他批示不相符时的指示。i. Collection instructions should bear the complete address of the drawee or of the domicile at which the presentation is to be made. If the address is incomplete or incorrect, the collecting bank may, without any liability and responsibility on its part, endeavour to ascertain the proper address. 托收指示应载明付款人或将要办理提示场所的完整地址。如果地址不全或有错误，代收银行可尽力去查明恰当的地址，但其本身并无义务和责任。ii. The collecting bank will not be liable or responsible for any ensuing delay as a result of an incomplete or incorrect address being provided. 代收银行对因所提供地址不全或有误所造成的任何延误将不承担责任或对其负责。B. Form of Presentation提示的形式Article 5Presentation第五款 提示a. For the purposes of these Articles, presentation is the procedure whereby the presenting bank makes the documents available to the drawee as instructed. 就本条款而言，提示是表示银行按照指示使单据对付款人发生有效用的程序。b. The collection instruction should state the exact period of time within which any action is to be taken by the drawee. 托收指示应列明付款人将要采取行动的确切期限。Expressions such as “first”, “prompt”, “immediate”, and the like should not be used in connection with presentation or with reference to any period of time within which documents have to be taken up or for any other action that is to be taken by the drawee. If such terms are used banks will disregard them. 诸如首先、迅速、立即和类似的表述不应用于提示、或付款人赎单采取任何其他行动的任何期限。如果采用了该类术语，银行将不予理会。c. Documents are to be presented to the drawee in the form in which they are received, except that banks are authorized to affix any necessary stamps, at the expense of the party from whom they received the collection unless otherwise instructed, and to make any necessary endorsements or place any rubber stamps or other identifying marks or symbols customary to or required for the collection operation. 单据必须以银行收到时的形态向付款人提示，除非被授权贴附任何必需的印花、除非另有指示费用由向其发出托收的有关方支付以及被授权采取任何必要的背书或加盖橡皮戳记，或其他托收业务惯用的和必要的辨认记号或符号。d. For the purpose of giving effect to the instructions of the principal, the remitting bank will utilize the bank nominated by the principal as the collecting bank. In the absence of such nomination, the remitting bank will utilize any bank of its own, or another banks choice in the country of payment or acceptance or in the country where other terms and conditions have to be complied with. 为了使委托人的指示得以实现，寄单行将以委托人所指定的银行作为代收行。在未指定代收行时，寄单行将使用他自身的任何银行或者在付款或承兑的国家中，或在必须遵守其他条件的国家中选择另外的银行。e. The documents and collection instruction may be sent directly by the remitting bank to the collecting bank or through another bank as intermediary. 单据和托收指示可以由寄单行直接或者通过；另一银行作为中间银行寄送给代收行。f. If the remitting bank does not nominate a specific presenting bank, the collecting bank may utilize a presenting bank of its choice.如果寄单行未指定某一特定的提示行，代办行可自行选择提示行。Article 6Sight/Acceptance第六款 即期/承兑In the case of documents payable at sight the presenting bank must make presentation for payment without delay. In the case of documents payable at a tenor other than sight the presenting bank must, where acceptance is called for, make presentation for acceptance without delay, and where payment is called for, make presentation for payment not later than the appropriate maturity date.如果是见单即付的单据，提示行必须立即办理提示付款不得延误；如果不是即期而是远期付款单据，提示行必须在不晚于应到期日，如是要承兑立即办理提示承兑、如是付款时立即办理提示付款。Article 7Release of Commercial Documents第七款 商业单据的交单（承兑交单D/A和付款交单D/P）Documents Against Acceptance (D/A) vs. Documents Against Payment (D/P)a. Collection should not contain bills of exchange payable at a future date with instruction that commercial documents are to be delivered against payment. 附有商业单据必须在付款时交出的托收指示，不应包含远期付款的汇票。b. If a collection contains a bill of exchange payable at a future date, the collection instruction should state whether the commercial documents are to be released to the drawee against acceptance (D/A) or against payment (D/P).In the absence of such statement commercial documents will be released only against payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents. 如果托收包含有远期付款的汇票，托收指示应列明商业单据是凭承兑不是凭付款交给付款人。如果未有说明，商业单据只能是付款交单，而代收行对由于交付单据的任何延误所产生的任何后果将不承担责任。c. If a collection contains a bill of exchange payable at a future date and the collection instruction indicates that commercial documents are to be released against payment, documents will be released only against such payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.如果托收包含有远期付款的汇票而且托收指示列明应凭付款交出商业单据时，则单据只能凭该项付款才能交付，而代收行对由于交单的任何延误所产生的任何结果将不承担责任。Article 8Creation of Documents代制单据Where the remitting bank instructs that either the collecting bank or the drawee is to create documents (bills of exchange promissory notes, trust receipts, letters of undertaking or other documents) that were not included in the collection, the form and wording of such documents shall be provided by the remitting bank, otherwise the collecting bank shall not be liable or responsible for the form and wording of any such document provided by the collecting bank and/or the drawee.在寄单行指示或者是代收行或者是付款人应代制托收中未曾包括的单据（汇票、本票、信托收据、保证书或其他单据）时，这些单据的格式和词句应由寄单行提供，否则的话，代收行对由代收行和/或付款人所提供任何该种单据的格式和词句将不承担责任或对其负责。 C. Liabilities and Responsibilities义务和责任Article 9 Good faith and Reasonable CareBanks will act in good faith and exercise reasonable care.第九款 善意和合理的谨慎银行将以善意和合理的谨慎办理业务。 Article 10Documents vs. Goods/Services/Performances单据与货物/服务/行为a. Goods should not be dispatched directly to the address of a bank or consigned to or to the order of a bank without prior agreement on the part of that bank.Nevertheless, in the event that goods are dispatched directly to the address of a bank or consigned to or to the order of a bank for release to a drawee against payment or acceptance or upon other terms and conditions without prior agreement on the part of that bank, such bank shall have no obligation to take delivery of the goods, which remain at the risk and responsibility of the party dispatching the goods. 未经银行事先同意，货物不得以银行的地址直接发送给该银行、或者以该行作为收货人或者以该行为抬头人。然而，如果未经银行事先同意而将货物以银行的地址直接发送给了该银行，或以该行做了收货人或抬头人，并请该行凭付款或承兑或凭其他条款将货物交付给付款人，该行将没有提取货物的义务，其风险和责任仍由发货方承担。 b. Banks have no obligation to take any action in respect of the goods to which a documentary collection relates, including storage and insurance of the goods even when specific instructions are given to do so. Banks will only take such action if, when, and to the extent that they agree to do so in each case, notwithstanding the provisions of sub-article 1 (c), this rule applies even in the absence of any specific advice to this effect by the collecting bank. 银行对与跟单托收有关的货物即使接到特别批指示也没有义务采取任何行动包括对货物的仓储和保险，银行只有在个案中如果同意这样做时才会采取该类行动。撇开前述第一款（3）的规定，即使对此没有任何特别的通知，代收银行也适用本条款。c. Nevertheless, in the case that banks take action for the protection of the goods, whether instructed or not, they assume no liability or responsibility with regard to the fate and/or condition of the goods and/or for any acts and/or omissions on the part of any third parties entrusted with the custody and/or protection of the goods. However, the collecting bank must advise without delay the bank from which the collection instruction was received of any such action taken. 然而，无论银行是否收到指示，它们为保护货物而采取措施时，银行对有关货物的结局和/或状况和/或对受托保管和/或保护的任何第三方的行为和/或疏漏概不承担责任。但是，代收行必须毫不延误地将其所采取的措施通知对其发出托收指的银行。 d. Any charges and/or expensed incurred by banks in connection with any action taken to protect the goods will be for the account of the party from whom they received the collection. 银行对货物采取任何保护措施所发生的任何费用和/或花销将由向其发出托收的一方承担。 e. i. Notwithstanding the provisions of sub-article 10 (a), where the goods are consigned to or the order of the collecting bank and the drawee has honoured the collection by payment, acceptance or other terms and conditions, and the collecting bank arranges for the authorized the collecting bank to do so. a.撇开第十款1、条的规定，如果货物是以代收行作为收货人或抬头人，而且付款人已对该项托收办理了付款、承兑或承诺了其他条件和条款，代收行因此对货物的交付作了安排时，应认为寄单行已授权代收行如此办理。ii. Where a collecting bank on the instructions of the remitting bank or in terms of sub-article 10 (e) i, arranges for the release of the goods, the remitting bank shall indemnify such collecting bank for all damages and expenses incurred.若代收行按照寄单行的指示按上述第十款（1）条的规定安排交付货物，寄单行应对该代收行所发行的全部损失和化销给予赔偿 Article 11Disclaimer For Acts of an Instructed Party对被指示的免责a. Banks utilizing the services of another bank or other banks for the purposes of giving effect to the instructions of the principal, do so for the account and at the risk of such principal.为使委托人的指示得以实现，银行使用另一银行或其他银行的服务是代该委托人办理的，因此，其风险由委托人承担；b. Banks assume no liability or responsibility should the instructions they transmit not be carried out, even if they have themselves taken the initiative in the choice of such other bank(s).即使银行主动地选择了其他银行办理业务，如该行所转递的指示未被执行，该行不承担责任或对其负责；c. A party instructing another party to perform services shall be bound by and liable to indemnify the instructed party against all obligations and responsibilities imposed by foreign laws and usages.一方指示另一方去履行服务，指示方应受到被指示方的法律和惯例所加于的一切义务和责任的制约，并承担赔偿的责任。Article 12Disclaimer on Documents Received对收到单据的免责a. Bank must determine that the documents received appear to be as listed in the collectioninstruction and must advise by telecommunication or, if that is not possible, by other expeditious means, without delay, the party from whom the collection instruction was received of any documents missing, or found t be other than listed.Banks have no further obligation in this respect.银行必须确定它所收到的单据应与托收批示中所列表面相符，如果发现任何单据有短缺或非托收指示所列，银行必须以电讯方式，如电讯不可能时，以其他快捷的方式通知从其收到指示的一方，不得延误；银行对此没有更多的责任。 b. If the documents do not appear to be listed, the remitting bank shall be precluded from disputing the type and number of documents received by the collecting bank.（2）如果单据与所列表面不相符，寄单行对代收行收到的单据种类和数量应不得有争议；c. Subject to sub-article 5 (c) and sub-article 12 (a) and 12 (b) above, banks will present documents as received without further examination.（3）根据第五款（3）和第十二款式、以及上述（2），银行将按所收到的单据办理提示而无需做更多的审核。Article 13Disclaimer on Effectiveness of Documents对单据有效性的免责Banks assume no liability or responsibility of the form, sufficiency, accuracy, genuineness, falsification or legal effect of any document (s) or superimposed thereon; nor do they assume any liability, condition, packing ,delivery, value of existence of the goods represented by any document (s),or for the good faith or acts and/or omission, solvency, performance or standing of the consignors, the carriers, the forwarders, the consignees or the insurers of the goods, or any other person whomsoever.银行对任何单据的格式、完整性、准确性、真实性、虚假性或其法律效力、或对在单据中载明或在其上附加的一般性和/或特