国际支付与结算(修订本).ppt

(3) A nominated bank acting on its nomination, a confirming bank, if any, and the issuing bank shall each have a maximum of five banking days following the day of presentation to determine if a presentation is complying.(UCP600 Art.14) (4) If the issuing bank decided to refuse the documents, it must give to that effect by expeditious means without delay. (5) Such notice must state all discrepancies and also state whether it is holding the documents at disposal of, or is returning them to, the presenter. 2. Discrepant documents and procedures to be taken by the issuing bank 不符单据及开证行采取的步骤 If the issuing bank finds discrepancies in documents, it can choose from several options. Refuse to accept the documents and return them to the advising or confirming bank. If the discrepancy is not material to the transaction, it can ask the buyer for a waiver for specific discrepancy. P176 (3) The seller may request the opening bank to present the documents to the buyer on a collection basis. (4) To pay, negotiate or accept with reserve or against indemnity, that is to say, the bank has recourse to the beneficiary. 3. Reimbursement under a letter of credit 如果交易使用代理行当地的货币，该行可以将此金额借记开证行帐户。 如果信用证金额使用的是开证行所在国货币，则开证行将贷记代理行帐户。 如果信用证使用的是第三国货币，结算就会不那么简单。开证行必须授权一家在相关货币区域的银行立即贷记或转移所欠的金额给代理行。 If the transaction is conducted on the local currency of the correspondent bank, this bank can debit the amount to the issuing bank’s account. If the amount of the credit is expressed in the currency of the issuing bank’s country, the issuing bank will credit the amount of the correspond bank. In the case of a documentary credit issued in a third currency, settlement is not quite simple. The issuing bank has to authorize a bank in the respective currency area to credit or transfer the owed amount on demand to the correspond bank. If it is a sight credit, the reimbursement methods are as follows: P176 T/T reimbursement Claim on the