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【导 入】
Basic introduction of
three methods of payment in international trade
【新 授】
Step One Word study
1. applicant开证申请人
，通常指的是importer、buyer
2. beneficiary受益人，通常指的是exporter、seller
3. issuing bank开证行，也可写作opening bank
4. negotiating bank议付银行
5. advising bank通知行，也写作notifying bank
6. terms and conditions of the credit信用证条款及条件
7. draft汇票
8. SWIFT环球银行间金融电讯协会
9. Proceeds货款
10. Settlement结算
Step two text learning
1. Brief review of UCP
2. Definition of L/C
L/C is the written promise
of a bank to act at the request and on the instruction
Of an applicant and to
undertake payment to the beneficiary in the amount specified in the credit,
provided that the beneficiary complies with terms and conditions of the
credit.
注释：written promise书面许可 at the request of按照某人的要求
On the instruction of按照某人的指示 comply with符合
参考翻译：信用证是银行应开证申请人的要求和指示开立的书面承诺，如果受益人符合信用证条款和条件的话，银行要向受益人支付信用证规定的金额。
考点分析：信用证定义常考单项选择题，选项处是bank。
3. Parties to L/C
The main parties to an L/C
are applicant, beneficiary, issuing bank, advising bank, negotiating bank
etc.
信用证上的主要当事人有开证申请人、受益人、开证行、通知行、议付行。
1）applicant
The applicant is the party
that applies to a bank for opening a L/C.
指向银行申请开立信用证的人，在信用证中又称开证人(opener)。
义务：根据合同开证；向银行交付比例押金；及时付款赎单
权利：验、退赎单；验、退货（均以信用证为依据）
2)beneficiary
A beneficiary is the party
in whose favor an L/C is opened and which should comply with the terms and
conditions of the credit in order to receive the proceeds.
指信用证上所指定的有权使用该证的人，即出口人或实际供货人。
义务：收到信用证后应及时与合同核对，不符者尽早要求开证行修改或拒绝接受或要求开证申请人指示开证行修改信用证；如接受则发货并通知收货人，备齐单据在规定时间向议付行交单议付；对单据的正确性负责，不符时应执行开证行改单指示并仍在信用证规定期限交单。
权利：被拒绝修改或修改后仍不符有权在通知对方后单方面撤消合同并拒绝信用证；交单后若开证行倒闭或无理拒付可直接要求开证申请人付款；收款前若开证申请人破产可停止货物装运并自行处理；若开证行倒闭时信用证还未使用可要求开证申请人另开。
3)issuing bank
Issuing bank refers to a
bank that issues a letter of credit at the request of the applicant….
指接受开证申请人的委托开立信用证的银行，它承担保证付款的责任。
义务：正确、及时开证；承担第一性付款责任
权利：收取手续费和押金；拒绝受益人或议付行的不符单据；付款后如开证申请人无力付款赎单时可处理单、货；货不足款可向开证申请人追索余额。
4)negotiating bank
Negotiating bank refers to
a bank that negotiates the beneficiary’s draft.
根据信用证开证行的付款保证和受益人的请求，按信用证规定对受益人交付的跟单汇票垫款或贴现，并向信用证规定的付款行索偿的银行（又称购票行、押汇行和贴现行；一般就是通知行；有限定议付和自由议付）。
义务：严格审单；垫付或贴现跟单汇票
权利：可议付也可不议付；议付后可处理（货运）单据；议付后开证行倒闭或借口拒付可向受益人追回垫款。
5)advising bank
Advising bank advises the
beneficiary of an L/C.
通知行通知受益人相关信用证。
4. An L/C can be opened by mail, by cable, by SWIFT.
了解信用证的开立方式。
5. Three basic procedures of L/C operations：
Issuance of L/C；amendment to L/C;
utilization and settlement of L/C.
此处考多项选择题。
教学方法设计：分组讨论法
【小 结】
Students have to grasp the
definition, parties to L/C, basic procedures of L/C operations.
【课堂练习】
To finish relevant
exercises and recite main content
【作 业】
1.Recite the key phrases
2.Review the main content
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