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信用证条款的设定

来源: 《中国外汇》2018年第21期 作者:臧洁 编辑:韩英彤
一笔信用证业务,从客户提交开证申请书开始,单证人员就应该启动“敏感”模式,把以后可能引发争议的模糊不清之处厘清,尽量使信用证条款设置得更加明晰,在展示银行专业能力的同时,维护好客户的利益。

案件回放

某日,单证中心收到某国内企业一笔进口信用证的开立申请,进口货物为聚异丁烯(POLYBUTENE PB1300BS),执行CFR价格条款,要求货物以集装箱运输(PACKING: 180KGS EXPORT STANDARD DRUMS IN CONTAINER,80DRUMS IN CONTAINER. SHIPPED IN CONTAINER),港到港;开证申请书要求:可以分装,不许转运(PARTIAL SHIPPMENT ALLOWED,TRANSHIPPMENT NOT ALLOWED);运输单据为全套海运提单“FULL SET OF ORIGINAL CLEAN ON BOARD OCEAN BILL OF LADING MARKED FREIGHT PREPAID MADE OUT TO ORDER AND BLANK ENDORSED NOTIFYING APPLICANT”;附加条款还规定,“FREIGHT FORWARDER BILL OF LADING ARE NOT ACCETABLE”(运输行提单不可接受)。

单证中心审核开证申请书条款后,发现有两处不妥:一是要求货物以集装箱运输却不允许转运(TRANSHIPPMENT NOT ALLOWED),二是运输行提单不可接受的规定(FREIGHT FORWARDER BILL OF LADING ARE NOT ACCETABLE)不够明确。那么这两处有何不妥呢?分析如下:

关于第一个不妥之处,我们先来看看UCP600第20条B款对“转运”的定义:“FOR THE PURPOSE OF THIS ARTICLE,TRANSHIPMENT MEANS UNLOADING FROM ONE VESSEL AND RELOADING TO ANOTHER VESSEL DURING THE CARRIAGE FROM THE PORT OF LOADING TO THE PORT OF DISCHARGE STATED IN THE CREDIT.”(就本条款而言,转运是指在信用证规定的装货港到卸货港之间的海运过程中,将货物由一艘船卸下再装上另一艘船的运输。)UCP600 第20条c款还进一步明确:“BILL OF LADING MAY INDICATE THAT THE GOODS WILL OR MAY BE TRANSHIPPED PROVIDED THAT THE ENTIRE CARRIAGE IS COVERED BY ONE AND THE SAME BILL OF LADING. II. A BILL OF LADING INDICATING THAT TRANSHIPMENT WILL OR MAY TAKE PLACE IS ACCEPTABLE,EVEN IF THE CREDIT PROHIBITS TRANSHIPMENT,IF THE GOODS HAVE BEEN SHIPPED IN A CONTAINER,TRAILER OR LASH BARGE AS EVIDENCED BY THE BILL OF LADING.”(只要同一提单包括运输全程,则提单可以注明货物将被转运或可被转运。银行可以接受注明将要发生或可能发生转运的提单。即使信用证禁止转运,只要提单上证实有关货物已由集装箱、拖车或子母船运输,银行仍可接受注明将要发生或可能发生转运的提单。)

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