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1、国际结算操作国际结算操作国际结算操作国际结算操作主讲人：章安平主讲人：章安平主讲人：章安平主讲人：章安平1 货物描述货物描述单据条款单据条款三期三期运输条款运输条款开证申请书一般一式三联，第一联是银行结算部门留存，第二联开证申请书一般一式三联，第一联是银行结算部门留存，第二联是银行信贷部门留存，第三联客户是银行信贷部门留存，第三联客户（开证申请人）（开证申请人）留存，用英文填写。留存，用英文填写。任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书2任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书IRREVOCABLE DOCUMENTARY CREDI
2、T APPLICATION(1)To:Agricultural Bank of China,Zhejiang Branch(2)Date:Jun.20,2013(3)（）Issue by airmail Credit No.（）With brief advice by teletransmission（）Issue by teletransmission(19)Date and place of expiry（）Issue by express3任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书(4)Applicant(5)BeneficiaryZhejiang Limin
3、 Import And Export Co.,Ltd.No.66 Fengtan Street,Hangzhou,P.R.ChinaMatsuya Corporation1-12-2 Niina,Mino,Osaka,Japan(6)Advising Bank(7)Amount:USD360 000.00Daiwa Bank Osaka Toyonaka BranchSay:USD Three Hundred and Sixty Thousand only4任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书(8)Partial shipments(9)Transshipme
4、nt(14)Credit available with any bank in Japan（）allowed（）not allowed（）allowed（）not allowedBy（）sight payment （）acceptance （）negotiation（）deferred payment atagainst the documents detailed herein(15)（）and beneficiarys draft(s)for 100%of invoice value at 180 days after B/L date drawn on issuing bank(10)L
5、oading on board:Japanese port(11)not later than:Sep.30,2013(12)For transportation to:Shanghai,China(13)（）FOB（）CFR（）CIF（）other terms5任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书(16)Documents required:(marked with)1.（）Signed commercial invoice in 5 copies indicating L/C No.and Contract No.MC2013106 2.（）Full se
6、t of clean on board Bills of Lading made out to order and blank endorsed,marked“freight to collect/prepaid”notifying the applicant （）Airway bills/cargo receipt/copy of railway bills issued by showing“freight to collect/prepaid”indicating freight amount and consigned to_3.（）Insurance Policy/Certifica
7、te in duplicate for 110%of the invoice value showing claims payable in China blank endorsed,covering All Risks4.（）Packing List/Weight Memo in 5 copies indicating quantity,gross and net weights of each package.6任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书5.（）Certificate of Quality in 2 copies issued by _the M
8、anufacturer.6.（）Certificate of Origin in 1 copies issued by the Manufacturer.7.（）Beneficiarys certified copy of fax send to the applicant within 2 days after shipment advising L/C No.,name of vessel,date of shipment,name,quantity,weight and value of goods.（）Other documents,if anyBeneficiarys Certifi
9、cate confirming that one set of the above mention non-negotiable documents have been sent to the applicant by DHL within 3 working days after B/L date.(17)Description of goods:SNET-H Welding Machine,24 sets,USD15 000.00/set CIF Shanghai,China7任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书(18)Additional instruc
10、tions:1.（）All banking charges outside the opening bank are for beneficiarys account.2.（）Documents must be presented within 15 days after date of shipment but within the validity of this credit（）Other terms,if any(20)STAMP OF APPLICANT:8任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书IRREVOCABLE DOCUMENTARY CREDI
11、T APPLICATION(1)To:Agricultural Bank of China,Zhejiang Branch(2)Date:Jun.20,2013(3)（）Issue by airmail Credit No.（）With brief advice by teletransmission（）Issue by teletransmission(19)Date and place of expiry（）Issue by expressOct.15,2013,in Japan9任务任务1 1：第二步第二步 进口商填写开证申请书进口商填写开证申请书(18)Additional instr
12、uctions:1.（）All banking charges outside the opening bank are for beneficiarys account.2.（）Documents must be presented within 15 days after date of shipment but within the validity of this credit（）Other terms,if any(20)STAMP OF APPLICANT:浙江黎民进出口有限公司唐黎民1011任务任务1 1：第三步第三步 准备申请开证相关材料并办理开证申请准备申请开证相关材料并办理
13、开证申请王杰把填写好的申请开证所需的开证申请书、进口贸易合同副本、减免保证金开证呈批表以及其他相关文件交中国农业银行浙江省分行国际业务部，办理申请开证手续。12任务任务2：开证行办理开证手续：开证行办理开证手续 中国农业银行浙江省分行国际业务部对浙江黎民进出口有限公司提交的相关材料进行审核。审核通过后，6月25日，中国农业银行浙江省分行国际业务部职员屠军须根据开证申请书填制信用证MT700报文各项内容，审核无误后通过SWIFT发送给通知行。导入项目【任务完成任务完成】1314第一步第一步第二步第二步审核开证审核开证申请书和申请书和其他申请其他申请开证材料开证材料根据开证申根据开证申请书制作请书
14、制作MT700报报文并办理开文并办理开证证任务任务2的操作步骤的操作步骤14任务任务2 2：第一步第一步审核开证申请书和其他申请开证材料审核开证申请书和其他申请开证材料1、审查开证申请人基本情况、审查开证申请人基本情况o申请人资格审查：境内注册且有进出口经营权。o申请人资信审查：重点审查申请人的财务状况、履约能力、偿债能力等直接关系到开证付汇风险方面内容。o贸易背景审查：信用证必须以真实贸易背景为基础，不得开立无贸易背景的信用证。为降低开证风险，还需重点了解进口货物国内外市场情况。对于市场价格波动较大的进口货物，开证时尤为慎重。15任务任务2 2：第一步第一步审核开证申请书和其他申请开证材料审
15、核开证申请书和其他申请开证材料2、审核客户材料、审核客户材料o申请人应列入外汇管理局公布的对外付汇进口单位名录，否则应提交外汇管理局签发的核准件；o进口贸易合同（复印件）应有进出口双方签章，合同上货物同进口开证货物一致；o按外经外管规定，如需提供进口商品许可证、进料加工手册、批文、备案表等；o代理进口协议（代理进口时）；o营业执照复印件和企业代码复印件（首次办理业务时）；o开证所需的其它材料。16任务任务2 2：第一步第一步审核开证申请书和其他申请开证材料审核开证申请书和其他申请开证材料3、审核开证呈批表、审核开证呈批表o除全额保证金以外，进口开证必须在占用客户的授信额度。如果客户在我行没有授
16、信额度或该笔业务超过客户授信额度，本着“先授信，后开证”的原则，应按照规定，对客户进行授信。根据客户授信评级的不同，免收或收取一定比例的保证金。o审核开证呈批表时，重点审核该笔信用证金额是否在客户授信额度内，客户授信是否在授信有效期内，是否落实了足额的付款保证，各有关部门及有权审批人是否签署意见。o本业务信用证金额USD360000.00在USD1000000.00授信额度内。17任务任务2 2：第一步第一步审核开证申请书和其他申请开证材料审核开证申请书和其他申请开证材料4、审核开证申请书、审核开证申请书o审核开证申请书须经申请人有效签章。o开证申请书如有更改，应要求申请人签章确认。o开立信用
17、证指示必须完整明确，为防范混淆误解，开证行应劝阻申请人将过多细节载入信用证。o开证申请书上的条款不能相互矛盾。18任务任务2 2：第二步根据开证申请书制作第二步根据开证申请书制作MT700MT700报文并办理开证报文并办理开证1、制作、制作MT700报文报文6月25日，中国农业银行浙江省分行国际业务部职员屠军根据开证申请书填制以下信用证MT700报文各项内容。如果信用证内容超过MT700的容量，则需增加MT701报文。19MT70020MT70021MT70022MT701231 1、制作、制作MT700MT700报文报文MT 700 ISSUE OF A DOCUMENTARY CREDIT
18、27:SEQUENCE OF TOTAL1/140A:FORM OF DOCUMENTARY CREDITIRREVOCABLE20:DOCUMENTARY CREDIT NUMBER111LC130789631C:DATE OF ISSUE130625241 1、制作、制作MT700MT700报文报文MT 700 ISSUE OF A DOCUMENTARY CREDIT27:SEQUENCE OF TOTAL1/140A:FORM OF DOCUMENTARY CREDITIRREVOCABLE20:DOCUMENTARY CREDIT NUMBER111LC130789631C:DATE
19、 OF ISSUE130625IRREVOCABLEIRREVOCABLE TRANSFERABLEIRREVOCABLE STANDBY251 1、制作、制作MT700MT700报文报文MT 700 ISSUE OF A DOCUMENTARY CREDIT27:SEQUENCE OF TOTAL1/140A:FORM OF DOCUMENTARY CREDITIRREVOCABLE20:DOCUMENTARY CREDIT NUMBER111LC130789631C:DATE OF ISSUE130625261 1、制作、制作MT700MT700报文报文MT 700 ISSUE OF A
20、DOCUMENTARY CREDIT27:SEQUENCE OF TOTAL1/140A:FORM OF DOCUMENTARY CREDITIRREVOCABLE20:DOCUMENTARY CREDIT NUMBER111LC130789631C:DATE OF ISSUE130625271 1、制作、制作MT700MT700报文报文40E:APPLICABLE RULESUCP LATEST VERSION31D:DATE AND PLACE OF EXPIRY131015 JAPAN50:APPLICANTZHEJIANG LIMIN IMPORT AND EXPORT CO.,LTD
21、.NO.66 FENGTAN STREET,HANGZHOU,P.R.CHINA59:BENEFICIARYMATSUYA CORPORATION1-12-2 NIINA,MINO,OSAKA,JAPAN281 1、制作、制作MT700MT700报文报文40E:APPLICABLE RULESUCP LATEST VERSION31D:DATE AND PLACE OF EXPIRY131015 JAPAN50:APPLICANTZHEJIANG LIMIN IMPORT AND EXPORT CO.,LTD.NO.66 FENGTAN STREET,HANGZHOU,P.R.CHINA59:
22、BENEFICIARYMATSUYA CORPORATION1-12-2 NIINA,MINO,OSAKA,JAPAN291 1、制作、制作MT700MT700报文报文40E:APPLICABLE RULESUCP LATEST VERSION31D:DATE AND PLACE OF EXPIRY131015 JAPAN50:APPLICANTZHEJIANG LIMIN IMPORT AND EXPORT CO.,LTD.NO.66 FENGTAN STREET,HANGZHOU,P.R.CHINA59:BENEFICIARYMATSUYA CORPORATION1-12-2 NIINA,
23、MINO,OSAKA,JAPAN301 1、制作、制作MT700MT700报文报文32B:CURRENCY CODE,AMOUNTUSD360 000,0041A:AVAILABLE WITHBYANY BANK IN JAPANBY NEGOTIATION42C:DRAFTS ATAT 180 DAYS AFTER B/L DATE42A:DRAWEEABOCCNBJ110311 1、制作、制作MT700MT700报文报文32B:CURRENCY CODE,AMOUNTUSD360 000.0041A:AVAILABLE WITHBYANY BANK IN JAPANBY NEGOTIATI
24、ON42C:DRAFTS ATAT 180 DAYS AFTER B/L DATE42A:DRAWEEABOCCNBJ110321 1、制作、制作MT700MT700报文报文32B:CURRENCY CODE,AMOUNTUSD360 000.0041A:AVAILABLE WITHBYANY BANK IN JAPANBY NEGOTIATION42C:DRAFTS ATAT 180 DAYS AFTER B/L DATE42A:DRAWEEABOCCNBJ110331 1、制作、制作MT700MT700报文报文32B:CURRENCY CODE,AMOUNTUSD360 000.0041A
25、:AVAILABLE WITHBYANY BANK IN JAPANBY NEGOTIATION42C:DRAFTS ATAT 180 DAYS AFTER B/L DATE42A:DRAWEEABOCCNBJ110341 1、制作、制作MT700MT700报文报文43P:PARTIAL SHIPMENTSPROHIBITED43T:TRANSSHIPMENTPROHIBITED44E:PORT OF LOADING/AIRPORT OF DEPARTUREJAPANESE PORT44F:PORT OF DISCHARGE/AIRPORT OF DESTINATIONSHANGHAI,CHI
26、NA44C:LATEST DATE OF SHIPMENT130930351 1、制作、制作MT700MT700报文报文43P:PARTIAL SHIPMENTSPROHIBITED43T:TRANSSHIPMENTPROHIBITED44E:PORT OF LOADING/AIRPORT OF DEPARTUREJAPANESE PORT44F:PORT OF DISCHARGE/AIRPORT OF DESTINATIONSHANGHAI,CHINA44C:LATEST DATE OF SHIPMENT130930361 1、制作、制作MT700MT700报文报文43P:PARTIAL S
27、HIPMENTSPROHIBITED43T:TRANSSHIPMENTPROHIBITED44E:PORT OF LOADING/AIRPORT OF DEPARTUREJAPANESE PORT44F:PORT OF DISCHARGE/AIRPORT OF DESTINATIONSHANGHAI,CHINA44C:LATEST DATE OF SHIPMENT130930371 1、制作、制作MT700MT700报文报文45A:DESCRIPTION OF GOODS&/OR SERVICESSNET-H WELDING MACHINE,24 SETS,USD15 000.00/SET C
28、IF SHANGHAI,CHINA46A:DOCUMENTS REQUIRED1.SIGNED COMMERCIAL INVOICE IN 5 COPIES INDICATING L/C NO.AND CONTRACT NO.MC20131062.PACKING LIST 5 COPIES INDICATING QUANTITY,GROSS AND NET WEIGHTS OF EACH PACKAGE.3.FULL SET OF CLEAN ON BOARD OCEAN BILLS OF LADING MADE OUT TO ORDER AND BLANK ENDORSED,MARKED F
29、REIGHT PREPAID AND NOTIFY APPLICANT.381 1、制作、制作MT700MT700报文报文45A:DESCRIPTION OF GOODS&/OR SERVICESSNET-H WELDING MACHINE,24 SETS,USD15 000.00/SET CIF SHANGHAI,CHINA46A:DOCUMENTS REQUIRED1.SIGNED COMMERCIAL INVOICE IN 5 COPIES INDICATING L/C NO.AND CONTRACT NO.MC20131062.PACKING LIST 5 COPIES INDICAT
30、ING QUANTITY,GROSS AND NET WEIGHTS OF EACH PACKAGE.3.FULL SET OF CLEAN ON BOARD OCEAN BILLS OF LADING MADE OUT TO ORDER AND BLANK ENDORSED,MARKED FREIGHT PREPAID AND NOTIFY APPLICANT.391 1、制作、制作MT700MT700报文报文46A:DOCUMENTS REQUIRED4.CERTIFICATE OF QUALITY IN 2 COPIES ISSUED BY THE MANUFACTURER.5.CERT
31、IFICATE OF ORIGIN IN 1 COPY ISSUED BY THE MANUFACTURER.6.BENEFICIARYS CERTIFIED COPY OF FAX SEND TO THE APPLICANT WITHIN THREE WORKING DAYS AFTER SHIPMENT ADVISING L/C NO.,NAME OF VESSEL,DATE OF SHIPMENT,NAME,QUANTITY,WEIGHT AND VALUE OF GOODS.7.BENEFICIARYS CERTIFICATE CONFIRMING THAT ONE SET OF TH
32、E ABOVE MENTION NON-NEGOTIABLE DOCUMENTS HAVE BEEN SENT TO THE APPLICANT BY DHL WITHIN 3 WORKING DAYS AFTER B/L DATE.401 1、制作、制作MT700MT700报文报文47A:ADDITIONAL CONDITIONS1.A FEE OF USD50.00 OR EQUIVALENT WILL BE DEDUCTED FROM THE PROCEEDS FOR EACH PRESENTATION OF DISCREPANT DOCUMENTS UNDER THIS CREDIT.
33、ACCEPTANCE OF ANY DISCREPANT DOCUMENTS THEREUNDER DOES NO WAY AMEND OUR L/C CONDITION,EACH SET OF DOCUMENTS UNDER THIS L/C BEARING SAME DISCREPANCY WILL BE DETERMINED ON A CASE-BY-CASE BASIS.2.DOCUMENTS PRESENTED WITH DISCREPANCIES WILL BE REJECTED.WE WILL HOLD THE DOCUMENTS UNTIL WE RECEIVE A WAIVE
34、R FROM THE APPLICANT AND AGREE TO ACCEPT IT OR RECEIVE YOUR FURTHER INSTRUCTIONS PRIOR TO AGREEING TO ACCEPT A WAIVER.3.PLS RELEASE THIS L/C TO BENEFICIARY AFTER ALL YOUR ADVISING COMMISSIONS COLLECTED.411 1、制作、制作MT700MT700报文报文71B:CHARGESALL BANKING CHARGES OUTSIDE THE ISSUING BANK ARE FOR ACCOUNT O
35、F BENEFICIARY.48:PERIOD FOR PRESENTATIONDOCUMENTS MUST BE PRESENTED WITHIN 15 DAYS AFTER SHIPMENT DATE,BUT WITHIN THE VALIDITY OF THIS CREDIT.49:CONFIRMATION INSTRUCTIONWITHOUT421 1、制作、制作MT700MT700报文报文71B:CHARGESALL BANKING CHARGES OUTSIDE THE ISSUING BANK ARE FOR ACCOUNT OF BENEFICIARY.48:PERIOD FO
36、R PRESENTATIONDOCUMENTS MUST BE PRESENTED WITHIN 15 DAYS AFTER SHIPMENT DATE,BUT WITHIN THE VALIDITY OF THIS CREDIT.49:CONFIRMATION INSTRUCTIONWITHOUT(1)CONFIRM(2)MAY ADD(3)WITHOUT431 1、制作、制作MT700MT700报文报文78:INSTRUCTION TO PAYING/ACCEPTING/NEGOTIATING BANK1.ALL DOCUMENTS TO BE SENT DIRECTLY TO THE A
37、GRICULTURAL BANK OF CHINA,ZHEJIANG BRANCH,INTERNATIONAL DEPT.,NO.30 QINGCHUN ROAD,HANGZHOU 310012,P.R.CHINA IN ONE LOT BY COURIER SERVICE.2.WE WILL HONOUR UPON RECEIPT OF THE STIPULATED DOCUMENTS WHICH CONSTITUTE A COMPLYING PRESENTATION.3.THIS CREDIT IS SUBJECT TO UCPDC(2007 REVISION)ICC PUBLICATIO
38、N NO.600.441 1、制作、制作MT700MT700报文报文78:INSTRUCTION TO PAYING/ACCEPTING/NEGOTIATING BANK1.ALL DOCUMENTS TO BE SENT DIRECTLY TO THE AGRICULTURAL BANK OF CHINA,ZHEJIANG BRANCH,INTERNATIONAL DEPT.,NO.30 QINGCHUN ROAD,HANGZHOU 310012,P.R.CHINA IN ONE LOT BY COURIER SERVICE.2.WE WILL HONOUR UPON RECEIPT OF
39、THE STIPULATED DOCUMENTS WHICH CONSTITUTE A COMPLYING PRESENTATION.3.THIS CREDIT IS SUBJECT TO UCPDC(2007 REVISION)ICC PUBLICATION NO.600.寄单指示：应明确寄单地址、寄单次数、寄单方式（快邮寄单）。通常情况下，大额开证分两次寄单。451 1、制作、制作MT700MT700报文报文78:INSTRUCTION TO PAYING/ACCEPTING/NEGOTIATING BANK1.ALL DOCUMENTS TO BE SENT DIRECTLY TO TH
40、E AGRICULTURAL BANK OF CHINA,ZHEJIANG BRANCH,INTERNATIONAL DEPT.,NO.30 QINGCHUN ROAD,HANGZHOU 310012,P.R.CHINA IN ONE LOT BY COURIER SERVICE.2.WE WILL HONOUR UPON RECEIPT OF THE STIPULATED DOCUMENTS WHICH CONSTITUTE A COMPLYING PRESENTATION.3.THIS CREDIT IS SUBJECT TO UCPDC(2007 REVISION)ICC PUBLICA
41、TION NO.600.464748o申请人指定通知行申请人指定通知行：如果申请人指定的通知行为我行代理行，则可以；如果非我行代理行，应联系其更改，如申请人坚持使用其指定的，可选择我行代理行进行转通知，但对由此引起的延误和费用我行不负责。o申请人未指定通知行申请人未指定通知行：选择受益人所在地我行境外分行或代理行；如受益人所在地没有我行境外分行或代理行，可选择通过邻近地区代理行转通知。o选择通知行原则选择通知行原则：在一个国家或许多代理行可供选择情况下，应考虑代理行的资信状况，优先选择资信较好、服务优良的代理行，同时应符合我行代理行营销策略。2 2、选择通知行、选择通知行49o登记登记：经办人
42、员应在业务处理系统或进口信用证业务登记簿上进行登记。登记的主要内容包括：经办行、信用证号、开证申请人、通知行、开证日期、开证币种和金额等。o复核复核：经办人员完成MT700报文制作后，将所有开证材料交复核人员进行复核。复核人员复核无误并在有关凭证上签字后，按照开证行内部授权程序开出信用证。信开信用证应由对外有权签字人签字后方可寄出。3 3、登记与复核、登记与复核50o收费收费：经办人员按开证行费率表的收费标准，收取开证手续费、邮电费及其他相关费用。如果信用证规定某些费用由受益人承担，但无法向受益人收取时，仍由申请人承担。o归档归档：信用证开出后，按照一证一档的原则，将开证相关材料归档。信用证档案已办包括减免保证金开证申批表、开证申请书、合同副本及其附属证明文件、信用证留底。4 4、收费与归档、收费与归档51