跟单信用证对不符点的罚款和拒付条款你真的清楚吗？

在跟单信用证项下的进出口贸易中，由于受益人制作的议付单据和跟单信用证要的不一致而引起的不符点的情况经常发生。

对于这种情况，大多数信用证会根据进口商的要求，每个不符点扣除一定的罚金。但是，这个罚金条款并不是意味着进口商完全接受不符点的议付单据。

一旦市场波动对进口商进口该批货物代来损失，进口商完全可以不符点为由拒付这批货物。

所以，制作跟单信用证项下的议付文件，必须做到单单相符，单证一致。这样才能万无一失。

要做到单单相符，单证一致的前提是，外贸业务员必须对信用证的条款尤其是不符点条款研究透彻。

下面猫熊哥以一个跟单信用证的真实案例分析，培训大家对外贸跟单信用证中不符点条款的领悟能力。

47A：（附加条款）

All banking charges except DC opening charges are for account of beneficiary.

除了跟单信用证开证费用外，其他一切银行费用均由受益人承担。

Forwarder’s cargo receipt must specify the name of loading place and discharging place.

运输代理行货物收据须详细说明装运地和卸货地名称。

Note: “on board date” on forwarder’s cargo receipt is to be considered as shipment date.

注：运输代理行货物收据上的“已装船”日期将视为“装运日”

An USD50.00 fee plus all relative cable charges will be deducted from the reimbursement claim for each presentation of discrepant documents under this documentary credit. Notwithstanding any instructions to the contrary, these charges shall be for the account of the beneficiary.

本跟单信用证项下如提示含有不符点单证，将从索偿金额中扣除50美金费用外加相关的电报费用。尽管有相反的指示，本费用仍然将由受益人承担。

Notwithstanding the provisions of UCP600, if we give notice of refusal of documents presented under this credit we shall however retain the right to accept a waiver of discrepancies from the applicant and,

尽管有UCP600条款的若干规定，如果我行发出对本信用证项下所提示单证的拒付通知，我行仍保留接受申请人同意放弃不符点声明书，

subject to such waiver being acceptable to us. to release documents against that waiver without reference to the presenter provided that no written instructions to the contrary have been received by us from the presenter before the release of the documents.

在我行接受本放弃不符点声明书的前提下，我行将凭此声明书放单而不再接洽交单让你，只要在放单前我行没有收到交单人的相反书面通知。

Any such release prior to receipt of contrary instructions shall not constitute a failure on our part to hold the documents at the presenter’s risk and disposal, and we will have no liability to the presenter in respect of any such release.

在收到相反指示之前的这种放单将不构成我方持有单证由交单人承担风险和处理的过错，同时，我行不对与本放单有关的交单人承担任何责任。

Except so far as otherwise expressly stated this documentary credit is subject to uniform customs and practice for documentary credits (2007 revision) internation Chamber of Commerce Publication No. 600.

除非另有说明，本跟单信用证受国际商会600出版物《跟单信用证统一惯例》（2007年版）约束

This documentary credit is payable after receipt of documents conforming to the terms of this documentary credit at the counter of paying bank.

本跟单信用证仅在我行收到与本跟单信用证条款相符的单证后方可实施付款。

We undertake to reimburse you in the currency of this documentary credit in accordacne with your instructions after deducting all relative reimbusing charges and payment/cable charges,

我行承诺在扣除所有相关偿付费用以及付款/电报费用后将根据你行指示以本跟单信用证上的币种向你方偿付。

Negotiating bank’s discount and/or transit interset, if any, prior to reimbursement by us are for the account of the beneficiary.

在我行偿付前，议付行的贴现和/或中转利息（如有）均由受益人承担。

If payment in USD by telegraphic transfer is required, Please state the appropriate ABA No. and CHIPS No. on your covering schedule.

如需使用电汇美元付款，请在相关的函告中告知适当的ABA 号码CHIPS 号码。

小知识：CHIPS（Clearing Hose Interbank Payments system）美国银行同业清算系统，CHIPS的成员银行都有系统标示码，作为受益银行的清算账号。CHIPS的成员银行的系统标示码以ABA三位数字码来标志。

Documents must be presented through your banker,

单证须经你行提示。

Inforation to presenting bank:

对交单行的指示：

This DC is issued by HSBC France who hereby engage with the drawers and /or bona fide holders that documents drawn in conformity with the terms of this DC will be duly honored on presentation.

本跟单信用证由法国汇丰银行开出。本行向出单人和/或善意持有人保证，依据本跟单信用证条款所出具的汇票一经提示届时将得以兑付。

The DC issuing bank will not process any documents presented directly from any presenting bank.

本跟单信用证的开证行对直接从交单行提示的单证不做任何审核。

Documents must be dispatched in one cover by courier at beneficiary’s expenses to paying bank: the HongKong and Shanghai Banking Corporation Limited, supply chain solutions pision, level 5, HSBC Building Mongkoj,673 Nathan Road, Mongkok, Kowloon, Hong Kong for payment.

单证须通过快件方式使用一个邮包寄送至付款行要求付款，费用由受益人承担：汇丰银行有限公司. （地址）：

（supply chain solutions pision, level 5, HSBC Building Mongkoj,673 Nathan Road, Mongkok, Kowloon, Hong Kong）

BK to BK info:

银行间的备注：

This DC is issued by HSBC France, However all communications in respect of drawings and others correspondence regarding this DC are to be communicated directly to the paying bank: HSBC Ltd. HongKong (SWIFT: HSBCHKHHHKH Telex:73205 HSBC HX)

尽管本跟单信用证由法国汇丰银行开出，但是，与支付或本跟单信用证相关的函告/信函将直接寄送至付款行：

香港汇丰银行（SWIFT: HSBCHKHHHKH Telex:73205 HSBC HX）

48(交单期限):Within 10 days after the date of shipment but within the validity of the credit

装运日之后的10天之内，但需要在本信用证有效期内。

49(保兑指示)：without

无

57D(通知银行):SUZHOU DEVELOPMENT ZONE, SUZHOU.

苏州开发区（银行）

跟单信用证对不符点的罚款或者拒付的条款