信用证分类优秀培训书.ppt

Types of a L/C 按用途及是否随附单据，分为光票信用证（clean credit）和跟单信用证（documentary credit） 按性质分为可撤销信用证和不可撤销信用证（irrevocable L/C) 按信用证是否有另一银行加以保证兑付，分为保兑信用证(confirmed L/C)和不保兑信用证 根据受益人对信用证的权利是否可转让，可分为可转让信用证(transferable L/C)和不可转让信用证 背对背信用证(back to back L/C) 循环信用证(revolving L/C) 按信用证的兑付方式，可分为预支信用证（anticipatory credit）、即期付款信用证（sight payment credit）、延期付款信用证（deferred payment credit）、承兑信用证（acceptance credit）和议付信用证（negotiable credit） 对开（reciprocal L/C）信用证 光票信用证 （clean credit） 光票信用证是不附单据、受益人可以凭开立收据或汇票分批或一次在通知行领取款项的信用证。 在贸易中它可以起到预先支取货款的作用，信用证中常见类似文句：Payment in advance against clean draft is allowed. 贸易结算中的预支信用证和非贸易结算中的旅行信用证都属光票信用证。 Types of a L/C According to whether it can be revoked or not Revocable credit May be amended or cancelled or revoked by the issuing bank without the beneficiary’s consent or even without prior notice ; The issuing bank is bound to notice nominated bank not to accept the documents delivered by the beneficiary and reimburse the nominated bank which has made payment/accept/negotiation prior to the receipt of notice of cancellation or amendment. Irrevocable credit Definite undertaking Confirmed L/c According to the adding of confirmation Confirmed irrevocable credit gives the beneficiary a double assurance of payment According to the UCP600,confirmation can be only added at the request of the issuing bank. Used when the seller does not have confidence that the issuing bank can effectively guarantee payment . Silent confirmation Based on a separate arrangement between the beneficiary and the “confirming” bank The bank will not be considered the confirming bank by the issuing bank and acquiring no right of claiming reimbursement from the issuing bank. Sight payment credit According to the mode of availability Sight payment credit---available by sight payment to beneficiary with a named bank The paying bank may be the issuing bank, the advising bank, or a third bank; With or without draft; Payment without recourse; Usually marked in L//C as : “this cred