跟单信用证法律实务 预览

跟单信用证法律实务厦门大学法学院肖伟2007

年

5

月*1Yuqiang

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Reserved主要内容4/1/2021Yuqiang

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Reserved2UCP600与UCP500的比较分析UCP600实施中的法律实务最高法院司法解释评析最高法院司法解释法律实务UCP600产生的背景及过程4/1/2021Yuqiang

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Reserved3《信用证统一惯例》修订进程的“十年之痒”——1933年国际商会第82号出版物1952年国际商会第151号出版物1962年国际商会第222号出版物1973年国际商会第290号出版物1983年国际商会第400号出版物1993年国际商会第500号出版物（仍在实施中）2006年国际商会第600号出版物（计划于2007年7月实施）UCP600产生的背景及过程4/1/2021Yuqiang

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Reserved4UCP600修订的背景自UCP500生效以来，银行实务中围绕500产生的争议层出不穷*。为此，ICC于2002年初成立UCP修订工作小组，提出修订UCP500的动议。国际商会有关UCP500的系列出版物Position

Paper

No.1,2,3,4

（修改/议付/非单据化条件/运输单据）Publication

No.515/535/565/596URR525/ISP98/ISBP/Eucp*国际商会银行技术委员会遗憾而且关切地注意到，在UCP500实施以后，一些银行错误地解释和应用UCP500的一些条文。由于未能正确地运用这些条文，其结果严重防碍了按照UCP500开立的跟单信用证的使用。（Charles

del

Bush—Chairman,ICC

Commission

on

Banking

Technique

and

Practice.Adopted

from

Foreword

of

Position

Paper

1,2,3,4）UCP600产生的背景及过程4/1/2021Yuqiang

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在2002年4月的ICC银行委员会会议上，各国代表对何时、如何修订UCP500未达成一致意见（我国赞成立即开始修订），但一致同意先对产生最多争议的七个条款进行评议。因为ICC提出的专家意见中超过58％集中在UCP500这七个条款上。UCP600产生的背景及过程4/1/2021Yuqiang

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在2002年10月ICC银行委员会会议上，银行委员会技术顾问GARYCOLLYER提供了一份评议七条条款的报告：第九条–开证行与保兑行的责任（共二十六次）第十三条–审核单据的标准（共四十三次）第十四条–不符点单据与通知（共六十次）第二十一条–对单据出单人或单据内容未作规定（共二十九次）第二十三条–海运提单（共四十七次）第三十七条–商业发票（共二十六次）第四十八条–可转让信用证（共三十一次）UCP600产生的背景及过程4/1/2021Yuqiang

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多份研究报告显示，高比例、高频率发生的信用证拒付现象日益危机信用证在国际结算中的地位。

IN

THE

EVENT

THAT

THE

DOCUMENTS

PRESENTED

WITHDISCREPANCY,

A

DISCREPANT

FEE

OF

USD60.00

OREQUIVALENT

WILL

BEN

DEDUCTED

FROM

THE

PROCEEDS.UCP600产生的背景及过程4/1/2021Yuqiang

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From

Introduction

of

UCP500：单据不符是信用证支付方式下一种极为普遍的现象，从1993年修订的《跟单信用证统一惯例》的前言可以看出：“一些调查表明，大约5％跟单信用证下的单据因与信用证不符或表面不符而被拒付，这降低了跟单信用证的效力，对参与有关产品交易的各方产生财务影响，增加了成本，减少了进口商、出口商和银行的利润。有关跟单信用证的诉讼案激增也引起了人们极大的关注。”UCP600产生的背景及过程4/1/2021Yuqiang

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Reserved9From

Introduction

of

UCP600：When

work

on

the

revision

started,

a

number

of

global

surveys

indicated

that,

because

of

discrepancies,

approximately

70%

of

documents

presented

under

letters

of

credit

were

being

rejected

on

first

presentation.

This

obviously

had,

and

continues

tohave,a

negative

effect

on

the

letter

of

credit

being

seenas

a

means

of

payment

and,

if

unchecked,

could

have

seriousimplications

for

maintaining

or

increasing

its

market

share

as

a

recognized

means

of

settlement

in

internationaltrade.结论：信用证正日益成为拒付的工具。UCP600产生的背景及过程4/1/2021Yuqiang

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Reserved10UCP600修订的过程

2003年5月，ICC正式授权ICC银行委员会启动

UCP500修订工作修订工作的三层组织架构：The

drafting

Group

（起草小组）The

Consulting

Group

（咨询小组）ICC

national

committees

（国家委员会）UCP600产生的背景及过程4/1/2021Yuqiang

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Reserved11The

drafting

Group小组成员

共10位成员，其中8位来自欧洲，其余两位分别来自美国和新加坡

小组主席：Gary

Collyer--ABN

AMRO

Bank

N.V.,London,EnglandThe

Consulting

Group小组成员小组由来自26个国家的40余位专业人士组成小组成员来自银行、运输及物流、保险等不同行业UCP600产生的背景及过程4/1/2021Yuqiang

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Reserved12UCP600修订的过程FIRST

STEP---REVISION

PROCESS：

全面回顾UCP500实施以来ICC发布的各类出版物、意见书及决定，吸收其中的合理条款。关于正本单据关于开证申请人与受益人详细地址关于预装船提单装运日期的确认UCP600产生的背景及过程4/1/2021Yuqiang

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Reserved13SECOND

STEP---GENERAL

OBJECTIVE：

全面反映近年来国际银行业、运输业和保险业出现的变化，并体现一定的前瞻性；五个银行工作日删除了运输行单据条款明确了保险单据可以由代理人（proxies）出具UCP600产生的背景及过程全面检讨UCP500中的条款结构和文字措辞。从A组到G组分类的模块式组合到流水式条款通俗易懂、简约化的措辞Nominated

bank

means

the

bank

authorized

in

thecredit

to

honour

or

negotiate

or,

in

the

case

of

a

freely

available

credit,

any

bank.

(UCP

Draft

June)Nominated

bank

means

the

bank

with

which

the

creditis

available

or

any

bank

in

the

case

of

a

credit

available

with

any

bank.

(UCP

Final

Version)4/1/2021Yuqiang

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Reserved14UCP600产生的背景及过程THIRD

STEP---CO-OPERATION：建立稳定的三级合作机制

This

revision

of

the

UCP

represents

theculmination

of

over

three

years

ofextensive

analysis,

review,

debate

andcompromise

amongst

the

various

members

ofthe

Drafting

Group,

the

members

of

theBanking

Commission

and

the

respective

ICCnational

committees.——From

Gary

Collyer4/1/2021Yuqiang

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Reserved15UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved16Advising

bankApplicantBanking

dayBeneficiary

ComplyingpresentationConfirmationConfirming

bankCreditHonourIssuing

bankNegotiationNominated

bankPresentationPresenter第一次系统地对有关信用证的14个概念进行了定义UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved17Article

2

DefinitionsFor

the

purpose

of

these

rules:

Advising

bank

means

the

bank

that

advises

thecredit

at

the

request

of

the

issuing

bank.

Applicant

means

the

party

on

whose

request

thecredit

is

issued.UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved18

Banking

day

means

a

day

on

which

a

bank

isregularly

open

at

the

place

at

which

an

actsubject

to

these

rules

is

to

be

performed.

Beneficiary

means

the

party

in

whose

favour

acredit

is

issued.UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved19

Complying

presentation

means

a

presentationthat

is

in

accordance

with

the

terms

and

conditions

of

the

credit,

the

applicable

provisions

of

these

rules

and

international

standard

banking

practice.

Confirmation

means

a

definite

undertaking

ofthe

confirming

bank,

in

addition

to

that

of

theissuing

bank,

to

honour

or

negotiate

acomplying

presentation.UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved20

Confirming

bank

means

the

bank

that

adds

itsconfirmation

to

a

credit

upon

the

issuingbank’s

authorization

or

request.

Credit

means

any

arrangement,

however

named

ordescribed,

that

is

irrevocable

and

therebyconstitutes

a

definite

undertaking

of

theissuing

bank

to

honour

a

complyingpresentation.UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved21Honour

means:

a.to

pay

at

sight

if

the

credit

is

available

bysight

payment.

b.to

incur

a

deferred

payment

undertaking

andpay

at

maturity

if

the

credit

is

available

bydeferred

payment.

c.to

accept

a

bill

of

exchange

(“draft”)

drawn

bythe

beneficiary

and

pay

at

maturity

if

the

creditis

available

by

acceptance.UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved22Honour

means:

a.to

pay

at

sight

if

the

credit

is

available

bysight

payment.

b.to

incur

a

deferred

payment

undertaking

andpay

at

maturity

if

the

credit

is

available

bydeferred

payment.

c.to

accept

a

bill

of

exchange

(“draft”)

drawn

bythe

beneficiary

and

pay

at

maturity

if

the

creditis

available

by

acceptance.Article

19.

Bank-to-Bank

Reimbursement

Arrangements

a.

If

an

Issuing

Bank

intends

that

the

reimbursement

to

which

apaying,

accepting

or

negotiating

bank

is

entitled,

shall

be

obtainedby

such

bank

(the

"Claiming

Bank"),

claiming

on

another

party(

the"Reimbursing

Bank"),

it

shall

provide

such

Reimbursing

Bankin

good

time

with

the

proper

instructions

or

authorization

tohonour

such

reimbursement

claims.

(UCP500)第十九条银行间的偿付约定

a．开证行如欲通过另一银行（偿付行）对付款行、承兑行或议付行（均称“索偿行”）履行偿付时，开证行应及时向偿付行发出对此类索偿予以偿付的适当指示或授权。4/1/2021Yuqiang

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Reserved23hono(u)r《英汉简明辞典》n.尊敬,敬意,荣誉,光荣vt.尊敬,给以荣誉《现代英汉综合大辞典》vt.给...以光荣;礼遇;赐给尊敬;崇拜【商】承兑;兑现hono(u)r

a

check

承兑支票4/1/2021Yuqiang

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Reserved24UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved25Honour

means:

a.to

pay

at

sight

if

the

credit

is

available

bysight

payment.

b.to

incur

a

deferred

payment

undertaking

andpay

at

maturity

if

the

credit

is

available

bydeferred

payment.

c.to

accept

a

bill

of

exchange

(“draft”)

drawn

bythe

beneficiary

and

pay

at

maturity

if

the

creditis

available

by

acceptance.UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved26

Issuing

bank

means

the

bank

that

issues

acredit

at

the

request

of

an

applicant

or

on

itsown

behalf.

Negotiation

means

the

purchase

by

thenominated

bank

of

drafts

(drawn

on

a

bank

otherthan

the

nominated

bank)

and/or

documentsunder

a

complying

presentation,

by

advancing

or

agreeing

to

advance

funds

to

thebeneficiary

on

or

before

the

banking

day

onwhich

reimbursement

is

due

to

the

nominatedbank.UCP600与UCP500的比较分析关于议付UCP500

Article

10

（信用证的种类）

Negotiation

means

the

giving

of

value

forDraft(s)

and/or

document(s)

by

the

bankauthorized

to

negotiate.

Mere

examination

of

the

documents

without

giving

of

valuedoes

not

constitute

a

negotiation.4/1/2021Yuqiang

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Reserved27UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved28UCP500

Article

9

（开证行与保兑行的责任）

An

irrevocable

Credit

constitutes

a

definiteundertaking

of

the

Issuing

Bank,

provided

thatthe

stipulated

documents

are

presented

to

theNominated

Bank

or

to

the

Issuing

Bank

and

thatthe

terms

and

conditions

of

the

Credit

arecomplied

with:If

the

Credit

provides

for

negotiation

to

paywithout

recourse

to

drawers

and/or

bona

fideholders,

Draft(s)

drawn

by

the

Beneficiaryand/or

document(s)

presented

under

the

CreditUCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved29ICC

Position

Paper

No

2

（第二号意见书）

The

Banking

Commission

wishes

to

clarify

thatfor

the

purposes

of

UCP

500,

the

phrase

"givingof

value"

in

sub-Article

10(b)(ii)

may

beinterpreted

as

either

"making

immediate

payment"

(e.g.

by

cash,

by

cheque,

byremittance

through

a

Clearing

System

or

bycredit

to

an

account)

or

"undertaking

an

obligation

to

make

payment"

(other

than

givinga

deferred

payment

undertaking

or

accepting

adraft).UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved30ICC

Publication

No.459：关于追索权议付行在任何情况下均享有追索权，除非该行保兑了信用证（The

Commission

finally

decidedto

make

a

distinctionbetween

credits

available

through

payment

and

creditavailable

through

negotiation.

As

to

the

former(

available

through

payment),anyrecourse

by

theadvising

bank

vis-à-vis

the

beneficiary

was

to

be

excludedif

it

had

not

expressed

a

reservation

when

making

its

payment.

As

to

the

latter

credits

(

available

through

negotiation),

the

advising

bank

always

had

a

right

of

recourse,

unless

it

had

confirmed

the

credit”.）UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved31ICC

Publication

No.596

R259：议付的追索权

银行提供议付时所要求的条件，即是否保留追索权，不能由ICC来裁定。那些条件取决于当地法律及议付行与出口商之间的关系。

应由受益人来决定是否接受那些条件并在“保留追索”的条件下取得款项。

在这些情况下，受益人最好使信用证可自由议付，以使他们能够把单据提交给一家一旦接受单据将始终信守决定的被指定银行。议付定义的演变

UCP500：Negotiation

means

the

giving

of

value

forDraft(s)

and/or

document(s)

by

the

bank

authorized

tonegotiate.

Mere

examination

of

the

documentswithout

giving

of

value

does

not

constitute

anegotiation.

UCP600：Negotiation

means

the

purchase

by

the

nominated

bank

of

drafts

(drawn

on

a

bank

other

thanthe

nominated

bank)

and/or

documents

under

acomplying

presentation,

by

advancing

or

agreeing

to

advance

funds

to

the

beneficiary

on

or

before

thebanking

day

on

which

reimbursement

is

due

to

thenominated

bank.4/1/2021Yuqiang

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Reserved32UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved33

Nominated

bank

means

the

bank

with

which

thecredit

is

available

or

any

bank

in

the

case

of

acredit

available

with

any

bank.

Presentation

means

either

the

delivery

ofdocuments

under

a

credit

to

the

issuing

bank

ornominated

bank

or

the

documents

so

delivered.

Presenter

means

a

beneficiary,

bank

or

otherparty

that

makes

a

presentation.UCP600与UCP500的比较分析4/1/2021Yuqiang

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删除了那些表达不确切、内容已过时及与国际贸易实务相脱节的条款条款总数由UCP500的49条缩减为39条，且不再分类删除了信用证“可撤销”的概念(Art.6

of

UCP500)删除了运输行单据条款(Art.39

of

UCP500)

删除了运输单据之“不得含有载运船只仅以风帆为动力的批注”(Art.23

of

UCP500)

删除了运输单据之额外费用的列举条款(Art.33

ofUCP500)UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved35确立了新的国际结算实务操作标准银行审核单据的时间缩短为5天

A

nominated

bank

acting

on

its

nomination,a

confirming

bank,

if

any,

and

the

issuingbank

shall

each

have

a

maximum

of

five

banking

days

following

the

day

of

presentation

to

determine

if

apresentation

is

complying.UCP600与UCP500的比较分析明确了受益人对修改保持沉默不等于接受修改

A

provision

in

an

amendment

to

the

effectthat

the

amendment

shall

enter

into

force

unless

rejected

by

the

beneficiary

withina

certain

time

shall

bedisregarded.(Art.10)4/1/2021Yuqiang

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Reserved36UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved37增加了实务操作性条款即使单据遗失，开证行也必须付款（35条）Provided

that

the

stipulated

documents

are

presented

to

the

nominated

bank

or

to

the

issuing

bank

and

that

theyconstitute

a

complying

presentation,

the

issuing

bank

musthonour

(Art.7)An

issuing

bank

is

irrevocably

bound

to

honour

as

of

thetimeit

issues

the

credit.

(Art.7)An

issuing

bank

undertakes

to

reimburse

a

nominated

bank

that

has

honoured

ornegotiateda

complying

presentation

and

forwarded

the

documents

to

the

issuingbank.(Art.7)

An

irrevocable

Credit

constitutesd

a

definiteundertaking

or

the

issuing

Bank,

provided

that

thestipulated

documentsarepresentedtothe

NominatedBank

or

to

the

Issuing

Bank

andthat

theterms

andconditions

of

the

Credit

are

complied

with(Art.9

ofUCP500)如果发送单证相符单据给开证行的银行是一家被指定银行，而单据在途中遗失，那么开证行有责任付款，前提是单据以信用证规定的方式寄送，即当信用证规定为挂号邮寄时，单据要按那种方式寄送，而不是通过快递公司。以非信用证所要求的方式寄送单据的风险有被指定银行承担，而不是受益人承担。（ICC632/R429）4/1/2021Yuqiang

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Reserved38

If

a

nominated

bank

determines

that

apresentation

is

complying

and

forwards

thedocuments

to

the

issuing

bank

or

confirming

bank,whether

or

not

the

nominated

bank

has

honouredor

negotiated,

an

issuing

bank

or

confirmingbank

must

honour

or

negotiate,

or

reimburse

thatnominated

bank,

even

when

the

documents

have

been

lost

in

transit

between

the

nominated

bankand

the

issuing

bank

or

confirming

bank,

orbetween

the

confirming

bank

and

the

issuingbank.(Art.35)4/1/2021Yuqiang

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Reserved39UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved40

拒付电增加了“持单至申请人放弃不付点”的选择

the

issuing

bank

is

holding

the

documents

until

it

receives

a

waiver

from

the

applicant

and

agrees

to

accept

it,

orreceives

further

instructions

from

thepresenter

prior

to

agreeing

to

accept

awaiver

(Art.16)UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved41建立了“单据必须满足其功能”的标准

If

a

credit

requires

presentation

of

adocument

other

than

a

transport

document,insurance

document

or

commercial

invoice,without

stipulating

by

whom

the

document

is

tobe

issued

or

its

data

content,

banks

willaccept

the

document

as

presented

if

its

content

appears

to

fulfil

the

function

of

the

required

document

and

otherwise

complies

withsub-article

14

(d

).UCP600与UCP500的比较分析When

documents

other

than

transport

documents,insurance

documents

and

commercial

invoices

are

calledfor,

the

Credit

should

stipulate

by

whom

such

documentsare

to

be

issued

and

their

wording

or

data

content.

Ifthe

Credit

does

not

so

stipulate,

banks

will

accept

such

documents

as

presented,

provided

that

their

datacontent

is

not

inconsistent

with

any

other

stipulateddocument

presented.

(Art.21

of

UCP500)

当要求提供运输单据、保险单据和商业发票以外的单据时，信用证中应规定该单据的出票人及其措辞或内容。如信用证对此未作规定，只要所提交单据的内容与提交的其它规

定

单

据

不

矛

盾

，

银行将接受此类单据。

（第21条）4/1/2021Yuqiang

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Reserved42UCP600与UCP500的比较分析明确开证行可以作为转让行转让自己开立的信用证

Transferring

bank

means

a

nominated

bankthat

transfers

the

credit

or,

in

a

creditavailable

with

any

bank,

a

bank

that

isspecifically

authorized

by

the

issuing

bankto

transfer

and

that

transfers

the

credit.

An

issuing

bank

may

be

a

transferringbank.(Art.38)4/1/2021Yuqiang

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Reserved43UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved44措辞更为简洁、严格、清晰、与时俱进关于简洁

If

the

bill

of

lading

contains

the

indication“intended

vessel”,or

similar

qualification

inrelation

tothevessel,loadingon

boardanamedvessel

must

be

evidenced

by

an

on

board

notation

onthe

bill

of

lading

which,in

addition

to

the

date

onwhich

the

goods

have

been

loaded

on

board,alsoincludes

the

name

of

the

vessel

on

which

the

goodshave

been

loaded,even

if

they

have

been

loaded

onthe

vessel

named

asthe“intended

vessel”.(Art.24of

UCP500)[字符数（不计空格）360]UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved45

If

the

bill

of

lading

contains

the

indication“intended

vessel”or

similar

qualification

inrelation

to

the

name

of

the

vessel,an

on

boardnotation

indicating

the

date

of

shipment

and

the

nameof

the

actual

vessel

is

required.(Art.20

of

UCP600)[字符数（不计空格）189]UCP600与UCP500的比较分析4/1/2021Yuqiang

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Reserved46关于严格拒付通知的格式及内容：A

single

notice关于清晰措辞“and/or”修订为“or”，单、复数同义

Where

applicable,

words

in

the

singular

include

the

plural

andin

the

plural

include

the

singular.

(Art.3)关于与时俱进

银行对因遭受恐怖袭击(acts

of

terrorism)导致银行停业所造成后果的免责

删除了信用证“可撤销”的概念：A

credit

is

irrevocable

even

ifthere

is

no

indication

to

that

effect.(Art.3)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved47ApplicantBeneficiaryPresenterUCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved48对申请人

Applicant

means

the

party

on

whose

requestthe

credit

is

issued.（Art.

2）UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved49

A

credit

by

its

nature

is

a

separatetransaction

from

the

sale

or

other

contract

onwhich

it

may

be

based.

…

the

undertaking

of

abank

to

honour,

to

negotiate

or

to

fulfil

anyother

obligation

under

the

credit

is

notsubject

to

claims

or

defences

by

the

applicantresulting

from

its

relationships

with

theissuing

bank

or

the

beneficiary.

(Art.

4)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved50

A

beneficiary

can

in

no

case

avail

itself

of

thecontractual

relationships

existing

betweenbanks

or

between

the

applicant

and

the

issuingbank.

(Art.4)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved51

An

issuing

bank

should

discourage

any

attemptby

the

applicant

to

include,

as

an

integralpart

of

the

credit,

copies

of

the

underlyingcontract,

proforma

invoice

and

the

like.(Art.4)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved52

A

credit

must

not

be

issued

available

by

a

draftdrawn

on

the

applicant.

(Art.6)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved53When

the

addresses

ofthebeneficiary

and

theapplicantappear

in

any

stipulated

document,

they

need

not

be

thesame

as

those

stated

in

the

credit

or

in

any

otherstipulated

document,

but

must

be

within

the

same

countryas

therespective

addresses

mentioned

in

thecredit.Contact

details

(telefax,

telephone,

email

and

the

like)stated

as

part

of

the

beneficiary’s

and

the

applicant’saddress

will

be

disregarded.

However,

when

the

addressand

contact

details

of

the

applicant

appear

as

part

of

theconsignee

or

notify

party

details

on

a

transport

document

subject

to

articles

19,20,

21,22,

23,24

or

25,they

must

be

as

stated

in

the

credit.

(Art.14)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved54

When

an

issuing

bank

determines

that

apresentation

does

not

comply,

it

may

in

itssole

judgement

approach

the

applicant

for

awaiver

of

the

discrepancies.

This

does

not,however,

extend

the

period

mentioned

in

sub-article

14

(b).

(Art.16)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved55

A

commercial

invoice…must

be

made

out

in

thename

of

the

applicant

(except

as

provided

insub-article

38

(g))(Art.18)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved56

A

bank

utilizing

the

services

of

another

bankfor

the

purpose

of

giving

effect

to

theinstructions

of

the

applicant

does

so

for

theaccount

and

at

the

risk

of

theapplicant.(Art.37)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved57对受益人

Beneficiary

means

the

party

in

whose

favour

acredit

is

issued.(Art.2)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved58Honour

means:a.to

pay

at

sight

if

the

credit

is

available

bysight

payment.b.to

incur

a

deferred

payment

undertaking

andpay

at

maturity

if

the

credit

is

available

bydeferred

payment.c.to

accept

a

bill

of

exchange

(“draft”)drawn

by

the

beneficiary

and

pay

at

maturityif

the

credit

is

available

by

acceptance.UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved59 Negotiation

means

the

purchase

by

the

nominatedbank

of

drafts

(drawn

on

a

bank

other

than

thenominated

bank)

and/or

documents

under

acomplying

presentation,

by

advancing

or

agreeing

to

advance

funds

to

the

beneficiary

onor

before

the

banking

day

on

which

reimbursement

is

due

to

the

nominatedbank.(Art.2)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved60

Presenter

means

a

beneficiary,

bank

or

otherparty

that

makes

a

presentation.(Art.2)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved61

Terms

such

as

"first

class",

"well

known","qualified",

"independent",

"official","competent"

or

"local"

used

to

describe

theissuer

of

a

document

allow

any

issuer

except

thebeneficiary

to

issue

that

document.(Art.3)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved62

A

beneficiary

can

in

no

case

avail

itself

of

thecontractual

relationships

existing

betweenbanks

or

between

the

applicant

and

the

issuingbank.(Art.4)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved63

Except

as

provided

in

sub-article

29

(a),

apresentation

by

or

on

behalf

of

the

beneficiarymust

be

made

on

or

before

the

expiry

date.

(Art.6)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved64

Except

as

otherwise

provided

by

article

38,

acredit

can

neither

be

amended

nor

cancelledwithout

the

agreement

of

the

issuing

bank,

theconfirming

bank,

if

any,

and

thebeneficiary.(Art.10)UCP600实施后对不同当事人的影响4/1/2021Yuqiang

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Reserved65The

terms

and

conditions

of

the

original

credit

(or

acredit

incorporating

previously

accepted

amendments)will

remain

in

force

for

the

beneficiary

until

thebeneficiary

communicates

its

acceptance

of

theamendment

to

the

bank

that

advised

such

amendment.

Thebeneficiary

should

give

notification

of

acceptance

orrejection

of

an

amendment.

If

the

beneficiary

fails

togive

such

notification,

a

presentation

that

complieswith

the

credit

and

to

any

not

yet

accepted

amendmentwill

be

deemed

to

be

notification

of

acceptance

by

thebeneficiary

of

such

amendment.

As

of

that

moment

thecredit

will

be

amended.(Art.10)UCP600实施后对不同当事人的