中国银行国内信用证结算办法（中英文）

People's Bank of China Measures for Settlement by
               Domestic Letter of Credit
 
中国银行国内信用证结算办法
 
Promulgating Institution: People's Bank of China颁布机关: 中国人民银行
Document Number: Yin Fa [1997] No. 265     文   号: 银发[1997]265号
Promulgating Date: 07/16/1997              颁布时间: 07/16/1997
Effective Date: 08/01/1997                  实施时间: 08/01/1997
Validity Status: Valid                      效力状态: 有效
 
 
Chapter 1 General Provisions第一章  总则
  Article 1    These Measures are formulated in accordance with the Law of the People's Republic of China on the People's Bank of China and other applicable laws and regulations, with a view to adapting to the needs of domestic trading activities and boosting the healthy development of the socialist market economy of China.
     第一条  为适应国内贸易活动的需要,促进我国社会主义市场经济的健康发展,依据《中华人民共和国中国人民银行法》以及有关法律法规,制定本办法。
 
  Article 2    For the purpose of these Measures, a letter of credit (L/C) shall refer to an undertaking issued by an issuing bank at the request of an applicant to pay an amount of money against documents that are in compliance with the terms and conditions in the L/C.
The L/C as prescribed in the preceding paragraph shall be an irrevocable and non-transferrable documentary L/C.
     第二条  本办法所称信用证,是指开证行依照申请人的申请开出的,凭符合信用证条款的单据支付的付款承诺。
前款规定的信用证为不可撤销、不可转让的跟单信用证。
 
  Article 3    These Measures shall apply to settlement by L/C between and among domestic enterprises for commodity trading.
第三条       本办法适用于国内企业之间商品交易的信用证结算。
第四条       
  Article 4    Head offices of commercial banks that have been approved by the People's Bank of China to operate settlement business, and branch offices that have been approved by the head offices of commercial banks to operate settlement business by L/C may carry out settlement business by L/C.
Banking institutions without approval and urban credit cooperatives, rural credit cooperatives as well as other non-banking financial institutions shall not engage in settlement business by L/C.
     第四条  经中国人民银行批准经营结算业务的商业银行总行以及经商业银行总行批准开办信用证结算业务的分支机构,可以办理信用证结算业务。
未经批准的银行机构和城市信用合作社、农村信用合作社及其他非银行金融机构不得办理信用证结算业务。
 
  Article 5    The parties concerned in settlement by L/C shall comply with laws, regulations and these Measures, and may not prejudice social and public interests.
The parties concerned in settlement by L/C shall follow the principle of good faith, perform their obligations conscientiously, and may not involve in fraudulent activities in violation of the law by means of L/C.
     第五条  信用证结算的当事人应当遵守法律、法规以及本办法的规定,不得损害社会公共利益。
信用证结算的当事人应当遵守诚实信用原则,认真履行义务,不得利用信用证进行欺诈等违法犯罪活动。
 
  Article 6    A L/C shall be used for transfer settlement only, and not for cash withdrawal.
     第六条  信用证只限于转帐结算,不得支取现金。
 
  Article 7    A L/C and the underlying purchase and sales contract are independent of each other. When handling L/C business, banks shall not be bounded by such purchase and sales contracts.
Undertakings given by a bank to make payments, negotiations or to perform other obligations under a L/C shall not be bounded by the relationship between the applicant and the issuing bank, and that between the applicant and the beneficiary.
Under no circumstances shall a beneficiary take advantage of the contractual relationship between the banks or between the applicant and the issuing bank.
     第七条  信用证与作为其依据的购销合同相互独立,银行在处理信用证业务时,不受购销合同的约束。
    一家银行作出的付款、议付或履行信用证项下其他义务的承诺不受申请人与开证行、申请人与受益人之间关系的制约。
受益人在任何情况下,不得利用银行之间或申请人与开证行之间的契约关系。
 
  Article 8    In the settlement by L/C, the parties concerned deal with documents rather than the goods and labor services relating thereto.
     第八条  在信用证结算中,各有关当事人处理的只是单据,而不是与单据有关的货物及劳务。
 
Chapter 2 Issuance and Notification第二章  开证与通知
  Article 9    Application for issuance第九条  开证申请
When an applicant intends to use a L/C, the said applicant shall entrust its deposit bank with the issuance business.
When an applicant applies for issuance, the said applicant shall fill out an application form of issuance and an undertaking of applicants of L/C, and submit the relevant purchase and sales contract. The matters included in the application form of issuance and the undertaking of applicants of L/C shall be complete and clear, and the said form and undertaking shall be signed and sealed by the applicant. The signature and seal shall be identical with those reserved by the bank in advance.
The application form of issuance and the undertaking of applicants of L/C shall constitute the basis for an issuing bank to issue a L/C to beneficiaries, and shall also serve as contractual documents specifying the respective rights and obligations of the issuing bank and the applicant.
  
    开证申请人使用信用证时,应委托其开户银行办理开证业务。
    开证申请人申请办理开证业务时,应当填具开证申请书、信用证申请人承诺书并提交有关购销合同。开证申请书和承诺书记载的事项应完整、明确,并由申请人签章。签章应与预留银行的签章相符。
开证申请书和承诺书是开证银行向受益人开立信用证的依据,也是开证银行与开证申请人之间明确各自权责的契约性文件。
 
  Article 10    Acceptance of an issuance application  第十条  受理开证
An issuing bank shall decide whether to accept the issuance business on the basis of the application form of issuance and the undertaking of applicants of L/C and the purchase and sales contract submitted by an applicant. When the issuing bank decides to accept the business, it shall charge the applicant a security deposit of no lower than 20% of the amount to be issued, and may, on the basis of the credit standing of the applicant, require the applicant to provide a mortgage, a pledge, or a letter of guarantee produced by other financial institutions.
An issuing bank shall, while issuing a L/C, charge an applicant possessing fees and postal fees pursuant to relevant provisions.
       开证行根据申请人提交的开证申请书、信用证申请人承诺书及购销合同决定是否受理开证业务。开证行在决定受理该项业务时,应向申请人收取不低于开证金额20%的保证金,并可根据申请人资信情况要求其提供抵押、质押或由其他金融机构出具保函。
开证行开立信用证,应按规定向申请人收取开证手续费及邮电费。
 
  Article 11    Basic terms and conditions of a L/C第十一条  信用证的基本条款
A L/C shall set out the terms and conditions as follows: 信用证应包括如下条款:
(1) name and address of the issuing bank. (一)开证行名称及地址。
(2) date of issuance. (二)开证日期。
(3) L/C number.  (三)信用证编号。
(4) irrevocable and non-transferrable L/C. (四)不可撤销、不可转让信用证。
(5) name and address of the applicant. (五)开证申请人名称及地址。
(6) name and address of the beneficiary. A beneficiary shall be a person entitled to receive the amount indicated on the L/C. In general, the beneficiary shall be the supplier under the purchase and sales contract.
    (六)受益人名称及地址。受益人为有权收取信用证款项的人,一般为购销合同的供方。
 
(7) name of the advising bank. An advising bank shall be a bank authorized by the issuing bank to notify the beneficiary of the L/C.
    (七)通知行名称。通知行为受开证行委托向受益人通知信用证的银行。
 
(8) term of validity and valid place of the L/C. The term of validity of a L/C shall be the deadline for the beneficiary to submit documents to the bank, which shall not be longer than six (6) months; and valid place shall be the place designated on the L/C for the submission of documents, i.e. the locus of the negotiating bank or the issuing bank.
(八)信用证有效期及有效地点。信用证有效期为受益人向银行提交单据的最迟期限,最长不得超过6个月;信用证的有效地点为信用证指定的单据提交地点,即议付行或开证行所在地。
 
(9) document submission date. Document submission date shall be a specific date on which transport documents shall be submitted after shipment of goods as indicated on the L/C. Where such a date is not specified, a bank shall not accept documents submitted later than fifteen (15) days upon the date of shipment.
(九)交单期。交单期为提交运输单据的信用证所注明的货物装运后必须交单的特定日期。未规定该期限,银行不接受迟于装运日后15天提交的单据。
 
(10) L/C amount.   (十)信用证金额。
(11) methods of payment, i.e. payment at sight , deferred payment or negotiation. A deferred payment L/C shall be paid within a fixed period after the date of shipment, which shall not be longer than six (6) months. Negotiation L/C shall designate the deposit bank of the beneficiary as the negotiating bank hereunder and authorize the same with negotiation.
(十一)付款方式,即期付款、延期付款或议付。延期付款信用证的付款期限为货物发运日后定期付款,最长不得超过6个月。议付信用证应在此条款中指定受益人的开户行为议付行并授权其议付。
 
(12) terms and conditions of carriage: (十二)运输条款:
 
(a) means of transport;  1、运输方式;
(b) place of shipment and destination of goods;  2、货物装运地和目的地;
(c) whether the goods shall be transported by partial shipment or transshipment. Where the same is not specified, it shall be deemed that partial shipment and transshipment are permitted;
      3、货物是否分批装运和转运,未作规定的,视为允许货物分批装运和转运;
 
(d) deadline of shipment of goods. Where the same is not specified, the term of validity of the L/C shall be regarded as the deadline of shipment.
    4、货物最迟装运期,未规定此期限的,信用证有效期视为货物最迟装运期。
 
(13) description of the goods, including name, quantity and price of the goods.
(十三)货物描述,包括货物名称、数量、价格等。
 
(14) terms and conditions of the documents, which shall indicate the documents by which payment or negotiation is to be performed, including at least invoices, transport documents or receipts of goods.
    (十四)单据条款,必须注明据以付款或议付的单据,至少包括发票、运输单据或货物收据。
 
(15) other terms and conditions.  (十五)其他条款。
 
(16) statements of guarantee of the issuing bank.    (十六)开证行保证文句。
 
  Article 12    Ways of opening a L/C  第十二条  信用证开立方式
A L/C may be opened by post or by telex. A L/C opened by post shall be affixed with the special L/C seal of the issuing bank and the private seal of the handler, given a test key, and sent to the advising bank; a L/C opened by telex shall be given a test key by the issuing bank and sent to the advising bank by telex.
   开立信用证可以采用信开和电开方式。信开信用证,应由开证行加盖信用证专用章和经办人名章并加编密押,寄送通知行;电开信用证,应由开证行加编密押,以电传方式发送通知行。
 
  Article 13    Obligations of an issuing bank  第十三条  开证行的义务
After a L/C has been opened and specified documents in compliance with the terms and conditions under the L/C have been submitted to an issuing bank, the issuing bank shall perform the following obligations:
(1) immediate payment shall be made for a L/C of payment at sight;
(2) in the case of a deferred payment L/C, payment shall be made on the due date as indicated on the L/C;
(3) in the case of a negotiation L/C, payment shall be made to the negotiable bank on the due date as indicated on the L/C.
信用证开立后,在其规定的单据提交开证行,并符合信用证条款的,开证行应履行如下义务:
    (一)对即期付款的信用证,应即期付款;
    (二)对延期付款的信用证,应于信用证规定的到期日付款;
(三)对议付信用证,应于信用证规定的到期日向议付行付款。
 
  Article 14    Modification of a L/C第十四条  信用证的修改
(1) Application for modification of a L/C
An applicant who wishes to modify any content of an opened L/C shall fill out an application for modification of L/C, an undertaking of applicants for modification of L/C and produce a written certificate containing consent of the beneficiary to such modifications for the original issuing bank of the L/C to specify the contents of modification.
(2) Acceptance of application for modification
Where the modification applied for is to increase the amount covered under the L/C, an issuing bank may require the applicant to increase the security for issuance.
Where the modification applied for is to change the term of validity, the term after modification may not exceed the longest term of a L/C.
The L/C modification form issued by the issuing bank shall indicate the ordinal number of this modification.
(3) Ways of opening L/C modifications
The L/C modification form may be opened by post or by telex. A L/C modification form opened by post shall be affixed with the special L/C seal of the issuing bank and private seal of the handler, given a test key, and sent to the advising bank; a L/C modification form opened by telex shall be given a test key by the issuing bank and sent to the advising bank by telex.
The issuing bank shall send notices of L/C modifications through the advising bank of the original L/C.
(4) The issuing bank shall be bound by the modifications as of the date when the L/C modification form is sent.
(5) The issuing bank shall collect modification processing fees and postal fees from the applicant for the opening of the L/C modification form in accordance with the provisions.
        (一)信用证修改申请
    开证申请人需对已开立的信用证内容修改的,应向原信用证开证行填具信用证修改申请书、信用证修改申请人承诺书并出具受益人同意修改的书面证明,明确修改的内容。
    (二)受理修改
    增额修改的,开证行可要求申请人追加开证担保。
    有效期修改的,不得超过信用证有效期的最长期限。
    开证行发出的信用证修改书中应注明本次修改的次数。
    (三)信用证修改的开立方式
    开立信用证修改书可以采用信开和电开方式。信开信用证修改书的,应由开证行加盖信用证专用章和经办人名章并加编密押,寄送通知行;电开信用证修改书的,应由开证行加编密押,以电传方式发送通知行。
    开证行发出信用证修改的通知,应通过原信用证通知行办理。
    (四)自发出信用证修改书之日起,开证行即应受修改内容的约束。
(五)开证行开立信用证修改书,应按规定向申请人收取修改手续费及邮电费。
 
  Article 15    Notification of a L/C  第十五条  信用证的通知
(1) Determination of the advising bank
Where the issuing bank and the deposit bank of the beneficiary are within the same banking system, the deposit bank of the beneficiary shall be the advising bank.
Where the issuing bank and the deposit bank of the beneficiary belong to different banking systems, the banking institution within the same system as the deposit bank of the beneficiary and at the same city thereof as determined by the issuing bank shall be the advising bank.
In the event that the issuing bank has no branch belonging to the same banking system at the place of domicile of the deposit bank of the beneficiary, the issuing bank shall choose a banking institution at the place of domicile of the deposit bank to establish the L/C agency relationship, and the chosen agency institution shall serve as the advising bank.
(2) Responsibilities of an advising bank
(a) Upon the receipt of a L/C and a L/C modification form, an advising bank shall verify such apparent authenticity as the authenticity of the signature and seal of the issuing bank and correctness of the test key used. Where no error is found, the advising bank shall fill out the advice of L/C or the advice of modification of L/C and deliver the same to the beneficiary together with the L/C or the L/C modification form.
(b) Where an advising bank finds any inconsistency of the signature and seal in the L/C or L/C modification form, the advising bank shall promptly return the same to the issuing bank and inform the issuing bank of such inconsistencies; where the test key is found to be inconsistent, the advising bank shall consult with the issuing bank for correction.
(c) Where the contents of a L/C or L/C modification form received by an advising bank are incomplete or unclear, the advising bank shall promptly consult with the issuing bank and require the same to provide necessary information. Prior to any reply from the issuing bank, the advising bank may notify the beneficiary of the L/C or L/C modification form received, on which it shall indicate that such a notice is for reference only, and that the advising bank shall not be held liable therefor.
(d) An advising bank shall deal with any L/C or L/C modification form within three (3)business days from the day following the date of receipt thereof.
       (一)通知行的确定
    开证行与受益人开户行为同一系统行的,受益人开户行为通知行。
    开证行与受益人开户行为跨系统行的,开证行确定的在受益人开户行的同城同系统银行机构为通知行。
    开证行在受益人开户行所在地没有同系统分支机构的,应在受益人所在地选择一家银行机构建立信用证代理关系,其代理行为通知行。
    (二)通知行的责任
    1、通知行收到信用证及信用证修改书,应认真核验开证行签章的真伪、所用密押是否正确等表面真实性。无误的,应填制信用证通知书或信用证修改通知书,连同信用证或信用证修改书交付受益人。
    2、通知行确定信用证或信用证修改书签章不符的,必须及时退开证行,并告知开证行签章不符;密押不符的,应向开证行查询补正。
    3、通知行收到的信用证或信用证修改书的内容不完整的或不清楚的,必须及时查询开证行,并要求开证行提供必要的内容。通知行在收到开证行回复前,可先将收到的信用证或信用证修改书通知受益人,并在信用证通知书或信用证修改通知书上注明该通知仅供参考,通知行不负任何责任。
4、通知行应在收到信用证或信用证修改书的次日起三个营业日内作出处理。
 
  Article 16    An issuing bank shall give a reply to an enquiry of an advising bank or provide necessary information requested thereby prior to the close of the business day following the date of receipt of the enquiry.
     第十六条  开证行必须于收到通知行查询的次日营业终了前,对查询行作出答复或提供其所要求的必要内容。
 
  Article 17    Cancellation of a L/C   第十七条  信用证的注销
Where a L/C is within the term of validity, the L/C may be cancelled upon agreement between the parties concerned through consultation, and after the original L/C has been withdrawn by the issuing bank.
Where the beneficiary fails to submit documents within the term of validity of a L/C, the issuing bank may cancel the L/C one (1) month after the expiration thereof.
Upon the cancellation of a L/C, the issuing bank shall discharge the security provided by the applicant.
      信用证未逾有效期的,经信用证各当事人协商同意,且开证行已收回正本信用证,该信用证可予注销。
    受益人未在信用证有效期内提交单据的,开证行可在信用证逾有效期一个月后注销该信用证。
信用证注销后,开证行应解除开证申请人提供的担保。
 
Chapter 3 Negotiation第三章  议付
  Article 18    Negotiation shall refer to the activity wherein a negotiable bank designated by a L/C shall pay consideration to the beneficiary after deduction of the negotiation interest provided that relevant documents conform to the terms and conditions of the L/C.
Pure verification of documents without payment of consideration shall not constitute a negotiation.
Negotiation shall be limited only to deferred payment L/C.
     第十八条  议付是指信用证指定的议付行在单证相符条件下,扣除义付利息后向受益人给付对价的行为。
    只审核单据而未付出对价的,不构成议付。
议付仅限于延期付款信用证。
 
  Article 19    A negotiation bank shall be a deposit bank of the beneficiary as designated by the issuing bank. A bank that is not designated for negotiation or a designated negotiation bank that is not a deposit bank of the beneficiary may not conduct negotiation.
     第十九条  议付行必须是开证行指定的受益人开户行。未被指定议付的银行或指定的议付行不是受益人开户行,不得办理议付。
 
  Article 20    A beneficiary may, before the document submission date of a negotiation L/C or within the term of validity of a L/C, submit to the negotiation bank the documents, the original L/C, the original of the L/C modification form, the advice of L/C, and advice of modification of L/C, and fill out a L/C negotiation/entrusted payment collection application and the proof of negotiation to request for negotiation. The negotiable bank shall examine and verify the documents set out in the L/C within five (5) business days from the day following the date of acceptance. Where the verification confirms the prima facie conformity of the documents to the terms and conditions of the L/C, the negotiable bank shall specify on the reverse side of the original L/C the date of negotiation, business serial number, increment, amount of negotiation, balance of the L/C and the name of the negotiable bank, and affix thereto the business seal.
The actual amount of negotiation shall be the amount of negotiation minus the interest accrued from the date of negotiation to the date immediately preceding the due date of payment by L/C. The rate of negotiation shall be calculated in light of the discount rate.
     第二十条  受益人可以对议付信用证在交单期或信用证有效期内向议付行提示单据、信用证正本、信用证修改书正本及信用证通知书、信用证修改通知书,并填制信用证议付/委托收款申请书和议付凭证,请求议付。议付行在受理的次日起五个营业日内审核信用证规定的单据,确定表面与信用证条款相符并决定议付的,应在信用证正本背面记明议付日期、业务编号、增额、议付金额、信用证余额、议付行名称,并加盖业务公章。
实付议付金额按议付金额扣除议付日至信用证付款到期日前一日的利息计算。议付利率比照贴现利率。
 
  Article 21    Where a negotiable bank finds any inconsistencies between the documents submitted by the beneficiary and the terms and conditions of the L/C, the negotiation bank may contact the beneficiary to correct the inconsistencies so that the documents confirm to the terms and conditions of the L/C, and shall handle negotiation thereafter; where the inconsistencies still exist after the beneficiary has been contacted to make correction, the negotiable bank shall refuse to negotiate, and shall promptly give a written notice of refusal of negotiation stating the reasons thereof, and send the same to the beneficiary.
     第二十一条  议付行审核受益人提示的单据发现单据不符时,可洽受益人修改相符后,同意议付的,办理议付;经洽受益人修改仍不符,拒绝议付的,应及时作出书面拒绝议付通知,注明拒绝议付理由,通知受益人。
 
  Article 22    As requested by a beneficiary, a negotiation bank may perform entrusted payment collection rather than negotiation for the beneficiary.
     第二十二条  议付行可以根据受益人的要求不作议付,仅为其办理委托收款。
 
  Article 23    Claim for reimbursement第二十三条  索偿
Upon negotiation, the negotiation bank shall send the documents to the issuing bank for reimbursement by means of entrusted payment collection. The amount claimed for reimbursement may not exceed the amount contained in the documents, unless otherwise specified in the L/C.
        议付行议付后,应通过委托收款将单据寄开证行索偿资金。除非信用证另有规定,索偿金额不得超过单据金额。
 
  Article 24    Exercise of the right of recourse第二十四条  追索权的行使
After negotiation of a L/C, the negotiation bank shall be entitled to recourse against the beneficiary. Where payment is not received on the due date, the negotiation bank may recover the amount of negotiation from the account of the beneficiary.
        议付行议付信用证后,对受益人具有追索权。到期不获付款的,议付行可从受益人帐户收取议付金额。
 
  Article 25    Upon negotiation, the negotiation bank shall collect negotiation processing fees and postal fees from the beneficiary in accordance with the provisions.
     第二十五条  议付行议付后,应按规定向受益人收取议付手续费及邮电费。
 
Chapter 4 Payment第四章  付款
  Article 26    When submitting documents to an issuing bank for collection of payments on the document submission date or within the term of validity of a L/C, a beneficiary shall fill out the proof of entrusted payment collection and the L/C negotiation/entrusted payment collection application with the deposit bank thereof, and produce documents, the original of the L/C and the original of L/C modification form. Upon receipt of the proof and documents, the deposit bank shall promptly submit the documents to the issuing bank for collection of payment of the beneficiary where the received proof and documents are examined as complete.
     第二十六条  受益人在交单期或信用证有效期内向开证行交单收款,应向开户银行填制委托收款凭证和信用证议付/委托收款申请书,并出具单据和信用证正本、信用证修改书正本。开户银行收到凭证和单证审查齐全后,应及时为其向开证行办理交单和收款。
 
  Article 27    Within five (5) business days from the date following the date of receipt of the proof of entrusted payment collection, documents and the notice of document submission posted by the negotiation bank, or the proof of entrusted payment collection, the original L/C, the original L/C modification form, documents and the L/C negotiation/entrusted payment collection application posted by the deposit bank of the beneficiary, an issuing bank shall verify the prima facie conformity of the documents to the terms and conditions of the L/C. Where the same is found to be consistent, the issuing bank shall collect relevant funds from the account of the applicant as payment to the beneficiary for L/C of payment at sight, or send to the negotiation bank or the beneficiary a confirmation of payment at maturity, and collect relevant funds from the account of the applicant as payment to the negotiation bank or the beneficiary for deferred payment L/C.
Upon payment, an issuing bank shall specify on the reverse side of the original L/C the date of payment, business serial number, increment, amount of payment, balance of the L/C and name of the issuing bank, affix thereto the business seal, and deliver to the applicant the notice of coming documents of L/C with relevant documents.
Upon receipt of the notice of coming documents of L/C and documents delivered by the issuing bank, if the applicant finds any inconsistence between the documents, the said applicant shall resolve such inconsistence through consultation with the issuing bank and the beneficiary, or bring a lawsuit before a competent People's Court.
     第二十七条  开证行在收到议付行寄交的委托收款凭证、单据及寄单通知书或受益人开户行寄交的委托收款凭证、信用证正本、信用证修改书正本、单据及信用证议付/委托收款申请书的次日起五个营业日内,及时核对单据表面与信用证条款是否相符。无误后,对即期付款信用证,从申请人帐户收取款项支付给受益人;对延期付款信用证,应向议付行或受益人发出到期付款确认书,并于到期日从申请人帐户收取款项支付给议付行或受益人。
    开证行付款后,应在信用证正本背面记明付款日期、业务编号、增额、付款金额、信用证余额、开证行名称,加盖业务公章,并将信用证来单通知书连同有关单据交开证申请人。
开证申请人收到开证行交来的信用证来单通知书及单据,发现单证不符的,应与开证行、受益人协商解决,或向人民法院提起诉讼。
 
  Article 28    Where an issuing bank finds any inconsistence between the documents upon verification, the said bank shall notify the submitter of the documents of all inconsistencies by telecommunication within five (5) business days from the day following the date of receipt thereof. The notification shall state that the documents are kept in custody on behalf thereof for further disposal. The issuing bank shall concurrently consult with the applicant, and where the applicant agrees to make payment, the issuing bank shall make payment forthwith; where the applicant refuses to make payment, the issuing bank shall return the documents to the negotiation bank, or return the original L/C, the original L/C Modification Form and documents to the beneficiary.
     第二十八条  开证行审核单据发现不符的,应在收到单据的次日起五个营业日内将全部不符点用电讯方式通知交单人。该通知必须说明单据已代为保管听候处理。同时商洽开证申请人,开证申请人同意付款的,开证行应即办理付款,开证申请人不同意付款的,开证行应将单据退交议付行或将信用证正本、信用证修改书正本及单据退交受益人。
 
  Article 29    Where the security deposit submitted by an applicant and the balance of the deposit account thereof are sufficient to satisfy the payment, the issuing bank shall still make payment within the time period as prescribed in Article 27 herein. The insufficient part shall be treated as a loan overdue. Where security such as mortgage, pledge or guarantee is provided by the applicant, reimbursement shall be claimed in accordance with relevant provisions of the Guaranty Law of the People's Republic of China.
     第二十九条  申请人交存的保证金和其存款帐户余额不足支付的,开证行仍应在第二十七条规定的时间内进行付款。对不足支付的部分作逾期贷款处理。对申请人提供抵押、质押、保函等担保的,按《中华人民共和国担保法》的有关规定索偿。
 
  Article 30    An issuing bank shall not be entitled to recourse against a negotiation bank or a beneficiary upon payment.
     第三十条  开证行付款后,对议付行或受益人不具有追索权。
 
Chapter 5 Standards for Verification of Documents第五章  单据审核标准
  Article 31    Upon the receipt of the documents, banks shall carefully verify all the documents as required by a L/C on the sole basis of the documents, so as to determine their prima facie conformity to the terms and conditions of the L/C. The banks may refuse to accept documents that fail to apparently conform to the terms and conditions of the L/C.
Where there are inconsistencies between and among the documents, the same shall be deemed as prima facie inconformity to the terms and conditions of a L/C.
     第三十一条  银行收到单据时,必须仅以单据为依据,认真审核信用证规定的一切单据,以确定其表面是否与信用证条款相符合。单据表面与信用证条款不符的,可以拒绝接受。
单据之间不一致,即视为表面与信用证条款不符。
 
  Article 32    Banks shall not verify any documents not required by a L/C, and shall return the same, upon receipt thereof, to the submitter or pass on the same. Banks shall not be held liable for such documents. Where a L/C contains certain conditions while the documents required therefor are not specified, the condition shall be deemed as unspecified.
     第三十二条  银行不审核信用证没有规定的单据。银行收到此类单据,应退还交单人或将其照转,并对此不负责任。
信用证含有某些条件而未列明必须提交的单据,视为未列明此条件。
 
  Article 33     Where a L/C requires several copies of documents, the documents submitted shall contain at least one (1) original. Unless otherwise provided for in the L/C, documents made by computer or carbon paper shall be accepted as original by banks, provided that such documents are marked as original.
     第三十三条  信用证要求多份单据的,所提交的单据中至少应有一份正本。除信用证另有规定外,单据通过电脑处理或复写等方法制作,只要单据注明为正本,银行也将接受其作为正本。
 
  Article 34    When any documents other than transport documents, insurance documents and commercial invoices are required by a L/C, the issuers and contents of such documents shall be expressly specified. In the event of failure to do so, banks may accept such documents as long as the contents of the same are not in conflict with other specified documents.
If a L/C contains any ambiguous expressions (e.g. "famous" and "top-ranking") used to describe the issuers of documents, as long as the documents submitted apparently conform to other terms and conditions of the L/C, the banks may accept the same.
     第三十四条  信用证要求提交运输单据、保险单据和商业发票以外的单据时,应对单据的出单人及其内容作出明确规定。未作此规定的,只要所提交的单据内容与其他规定单据不矛盾,银行可予接受。
信用证使用意义模糊的词语(如“著名的”、“一流的”等)描述单据的出单人时,所提交的单据表面与信用证其他条款相符,银行可予接受。
 
  Article 35    The date of issuance of any document may not be later than the term of validity of the L/C or the document submission date.
     第三十五条  所有单据的出单日期均不得迟于信用证的有效期或交单期。
 
  Article 36    Commercial invoices第三十六条  商业发票
(1) A commercial invoice shall be an invoice uniformly printed and made by state tax authorities with the applicant as the payer.
(2) Description of goods contained in an invoice shall conform to provisions of the L/C. Any other document may use general names of the goods, provided that such descriptions are not in conflict with those of the L/C.
(3) Invoice amounts may not exceed the amounts permitted by a L/C unless otherwise specified in the L/C.
         (一)商业发票必须是国家税务部门统一印制的发票,其抬头应为开证申请人。
    (二)发票中的货物描述必须与信用证规定相符,其他一切单据则可使用货物统称,但不得与信用证规定的货物描述有抵触。
(三)除信用证另有规定外,发票金额不得超过信用证所允许的金额。
 
  Article 37    Transport documents第三十七条  运输单据
(1) Road, rail, inland waterway, air or marine transport documents
(a) Where a L/C requires road, rail, inland waterway, air or marine transport documents, as long as the types of the documents conform to the L/C, the banks may accept the same.
(b) The documents shall contain thereon the signature and seal of the carrier or the agent thereof.
(c) In the case of documents affixed with a receipt stamp, the date of seal shall be regarded as the date of shipment; in the absence of the receipt stamp, the date of issuance of the documents shall be taken as the date of shipment.
(d) A transport document shall indicate the place of shipment and the destination as specified in the L/C.
(e) Where a L/C prohibits transshipment, as long as the whole transport is included in one (1) transport document, banks may accept a transport document indicating transshipment or possible transshipment.
(f) Where road, rail, inland waterway or marine transport is concerned, banks shall take the submitted transport documents as a full set of originals, regardless of whether a transport document is marked as original or not; in the case of air transport, banks shall accept the original of the air transport documents issued to the consignor, regardless of the provisions in the L/C.
(2) Postal receipts
The surface of a postal receipt shall contain the seal of the shipper as set out in a L/C, and the date of seal or other date as indicated shall be deemed as the date of shipment.
(3) Where a L/C provides that only receipts of goods shall be submitted as transport documents, the date of issuance of such documents shall be regarded as the date of shipment.
        (一)公路、铁路、内河、空运或海洋运输单据
    1、信用证要求公路、铁路、内河、空运或海洋运输单据,只要单据类型与信用证规定相符,银行可予接受。
    2、单据表面必须有承运人或其代理人的签章。
    3、单据盖有收妥印章,盖章日期即视为装运日期;未盖此章的,则单据出具日期即视为装运日期。
    4、运输单据必须注明信用证规定的装运地和目的地。
    5、信用证禁止转运的,只要运输全过程包括在同一运输单据中,银行可予接受注明将转运或可能发生转运的运输单据。
    6、在公路、铁路、内河或海洋运输方式中,不论运输单据是否注明为正本,银行将视所提交的运输单据为全套正本予以接受;在空运方式中,不论信用证如何规定,银行将接受开给发货人的正本空运单据。
    (二)邮政收据
    邮政收据表面应有信用证规定的装运人盖章,盖章日期或其它加注日期视为装运日期。
(三)信用证规定仅提交货物收据作为运输单据时,该单据的出具日期即视为货物装运日期。
 
  Article 38    Insurance policies第三十八条  保险单据
(1) Insurance policies shall be signed and sealed and produced by relevant insurance companies or the agent thereof.
(2) Original insurance policies shall be submitted unless otherwise provided for by a L/C.
(3) Unless it is indicated on the insurance policies that insurance liabilities shall come into effect no later than the date of shipment, the date of issuance of such documents shall be no later than the date of shipment indicated in the transport documents.
(4) The insured amount under the insurance policies shall be not less than the amount of goods contained in the invoices, unless otherwise provided for in the L/C.
(5) A L/C shall specify the types of insurance required and the necessary additional insurance coverage. In the absence of such information, the insurance policy shall mean that the main risks are insured.
(6) Banks shall accept insurance policies with franchise constraints unless otherwise specified in a L/C.
        (一)保险单据必须由保险公司或其代理人出具并签章。
    (二)除信用证另有规定外,保险单必须提交正本。
    (三)除保险单据表明保险责任最迟于装运日起生效外,该单据的签发日期不得迟于运输单据注明的装运日期。
    (四)除信用证另有规定外,保险单据的投保金额不得低于发票上的货物金额。
    (五)信用证应规定所需投保险别种类及必要的附加险,无此规定的,保险单据应表明已投保基本险。
(六)除信用证另有规定外,银行将接受标注有免赔率或免赔额约束的保险单据。
 
Chapter 6 Exemption and Penalties第六章  免责与罚则
  Article 39    Banks shall not be held liable for the formality, completeness, accuracy, authenticity or legal validity of any document.
The banks shall not be held liable for the status of goods stated in any document, or the goodwill or capacity of any parties concerned relating to the transport of goods.
     第三十九条  银行对于任何单据的形式、完整性、准确性、真伪性或法律效力,不承担责任。
银行对任何单据中有关货物状况及与货物运输有关当事人的信誉、能力等,不承担责任。
 
  Article 40    Banks shall not be held liable for any consequences arising out of or in connection with any delay or loss in the process of posting telegrams, letters or documents, or any error occurred in the process of telecommunication transmission.
     第四十条  银行对由于任何电报、信函或单据邮递过程中发生延误、遗失所造成的后果,或者电讯传递过程中发生的差错,不承担责任。
 
  Article 41    Banks shall not be held liable for any and all consequences arising out of or in connection with any business interruption due to an event of force majeure such as extraordinarily serious flood and earthquake. Upon resumption of business, the banks shall not negotiate L/Cs that have lapsed the document submission date or the term of validity during the interruption, unless upon special authorization by the issuing banks.
     第四十一条  银行对于因特大水灾、地震等不可抗力而中断营业所引起的一切后果,不承担责任。除经开证行特别授权外,银行恢复营业后,对于在营业中断期间逾交单期或有效期的信用证,将不再据以议付。
 
  Article 42    Financial institutions that conduct L/C business in violation of these Measures shall assume the liabilities under L/Cs in accordance with these Measures. In addition, the People's Bank of China shall forfeit all processing fees received by the said institutions, impose thereon a fine of up to RMB 30,000 depending on the severity of the circumstances and pursue the liabilities of relevant persons subject to liabilities.
Any forgery or alteration of L/Cs, or forgery or alteration of any documents and papers attached thereto, or any fraudulent conducts by way of a forged L/C shall be subjected to legal liabilities in accordance with the Criminal Law of the People's Republic of China and the Decision of the Standing Committee of the National People's Congress on Punishing Crimes of Disrupting the Financial Order and other relevant laws.
     第四十二条  对不符合本办法规定开办信用证业务的金融机构,除按本办法承担信用证上的责任外,中国人民银行应没收其手续费所得,根据情节轻重,对其处以3万元以下的罚款,并追究有关责任人员的责任。
对于伪造、变造信用证或伪造、变造附随的单据、文件的,或者利用伪造的信用证进行诈骗的,依照《中华人民共和国刑法》和《全国人民代表大会常务委员会关于惩治破坏金融秩序犯罪的决定》等法律,追究其法律责任。
 
  Article 43    Any advising bank that fails to notify of any L/C within the time period under these Measures shall be subject to a fine of equivalent to ten (10) times the notification processing fees.
     第四十三条  通知行未按本办法规定时间通知信用证的,对其处以通知手续费10倍的罚款。
 
  Article 44    An issuing bank that refuses to make or delays the payment of any document that meets the terms and conditions of the L/C without justifiable reasons shall pay to the negotiation bank or the beneficiary a daily damage at the rate of 0.5‰. of the amount under the document, and shall be subject to a daily fine at the rate of 0.7‰.of the amount under the document.
     第四十四条  开证行对符合信用证条款的单据无理拒付、拖延付款的,应按单据金额每天万分之五向议付行或受益人支付赔偿金,并对其处以按单据金额每天万分之七罚款。
 
Chapter 7 Supplementary Provisions第七章  附则
  Article 45    Formats and pages of the proof of L/Cs, L/C application form, L/C modification application form, L/C modification form, notice, negotiation application form and proof of negotiation and settlement shall be formulated uniformly by the People's Bank of China, and made by all commercial banks.
     第四十五条  信用证凭证、信用证申请书、信用证修改申请书、信用证修改书、通知书、议付申请书、议付结算凭证等格式、联次由中国人民银行统一制定,各商业银行制作。
 
  Article 46    Banks shall, when handling settlement business by L/C, charge the parties concerned postal fees in accordance with the standards of the administrations of posts and communications, and collect processing fees on the basis of the following standards:
issuance processing fee: at a rate of 0.15% of the opening amount under the L/C but not less than RMB 100;
modification processing fee: RMB 100 per application. In the case of increment modification, the increased part shall be charged in accordance with the standards on issuance processing fees, but shall be not less than RMB 100. No additional processing fees for modification shall be charged;
Notification processing fee: RMB 50 per application;
Processing fee for modification notification: RMB 50 per application;
Negotiation processing fees: at a rate of 0.1% of the amount under the document under negotiation.
     第四十六条  银行办理信用证结算业务,应按邮电部门规定的标准向当事人收取邮电费,并按以下标准收取手续费。
    开证手续费:按开证金额的0.15%收取,最少不低于100元;
    修改手续费:按每笔100元收取,增额修改的,对增额部分按开证手续费标准收取,最少不低于100元,不另收取修改手续费;
    通知手续费:按每笔50元收取;
    修改通知手续费:按每笔50元收取;
议付手续费:按议付单据金额的0.1%收取;
 
  Article 47    These Measures shall be subject to the interpretation and revision of the People's Bank of China.
     第四十七条  本办法由中国人民银行负责解释和修改。
 
  Article 48    These Measures shall come into effect as of August 1, 1997.
   第四十八条 本办法字1997年8月1日起生效。