信用证这些不符点能提前避免

在对外贸易中，信用证已被越来越多地运用到出口贸易交易当中。但是信用证的高费用和高风险，也令不少企业望而却步。而这些费用和风险，大部分源于三个字——不符点。今天，阿连想跟大家说说信用证项下不符点所带来的风险并给大家整理了一些常见的不符点，希望能给大家提个醒。
In foreign trade, L/C has been increasingly used in the export trade. However, the high cost and high risk make many companies discouraged. And these costs and risks happen due to a word--discrepancy. Today, I would like to introduce the risk caused by discrepancy under L/C and some discrepancies to be a reminder for you.

“不符点”指买家开出信用证后，卖家没有按照信用证的要求提交单据，一旦卖方的单证跟L/C上有不相符合的地方，即便一个字母或一个标点符号与信用证不相符合，都记为一处不符点。一般来说，不符点扣费50到100美元不等，具体视各银行规定而定，一般无论不符点数量多少，一票单据只扣罚一次，由受益人，即卖家承担。这是信用证高额费用的最常见体现。
"Discrepancies" refers that after the buyers issue a L/C but sellers do not present document in accordance with the requirements. Once there is discrepancy between document and L/C, such as a word or punctuation, it still is regarded as discrepancy. Generally speaking, the discrepancy deducts $50 to $100 depending on the bank regulations. Regardless of the amount of discrepancy, each document shall be deducted only once paid by seller. This commonly reflects the high fees of L/C.

一旦存在不符点，信用证的银行信用就不复存在，进而转变成客户的商业信用。因为单证不符，银行无需承担偿付责任，你能否收回款项，就全凭客户信用。如果客户拒付，卖家将处于进退两难的境地。这就是信用证的风险所在。
Once there is a discrepancy, the bank’ credit of the L/C is no longer in existence but transfers to customer's business creditbecause the bank needn’t to bear the responsibility due to discrepancy. Whether you can get the payment only depends on customer's credit. If customers refuse to pay, sellers will be caught in a dilemma. So this is the risk of L/C.

单据信用证外贸工作

2016-06-15 697阅读

问题/讨论

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AI回答：

但是，这些不符点是可以提前避免的。以下是一些常见的不符点和避免方式：
However, these discrepancies can be avoided in advance. Here are some common discrepancies and how to avoid them:

1. 单据格式不符合要求：在信用证规定的提交期限内，不仅要准确无误地填写单据的每一个细节，还要注意单据的格式规定。如不开相应格式的发票，不使用规定格式的装箱单以及提运单等。
Document format not complying with requirements: Within the submission period specified in the L/C, not only should the details of the documents be accurate, but also the format of the documents. For example, not issuing the corresponding format of invoice, not using the prescribed format of packing list and bill of lading, etc.

2. 单据信息不一致：卖方提交的单据必须与信用证中的内容一致，包括数量、品名、规格、产地等。
Inconsistent information in documents: The documents submitted by the seller must be consistent with the content of the L/C, including quantity, name, specifications, origin, etc.

3. 单据未在期限内提交：不得提交过期的单据，在提交期限内必须遵守交单时限。
Documents not submitted within the deadline: Expired documents must not be submitted, and the deadline for submission must be observed within the submission deadline.

4. 没有提供必要的单据：合同规定的必要单证和信用证规定的必要单据必须全部提交，如提单、保险单、质检证书等。
Not providing necessary documents: All necessary documents specified in the contract and L/C must be submitted, such as bill of lading, insurance policy, certificate of quality inspection,etc.

5. 单据上货运日期与信用证规定不一致：货运单据必须标明货物的装船日期和信用证规定的货运期限一致。
The shipment date in the document is inconsistent with the specified date in the L/C: The shipping documents must indicate that the shipment date of the goods is consistent with the shipping period specified in the L/C.

总之，避免不符点的出现，需要交易双方的共同努力和细心。卖方在提前了解好信用证的细节和要求，并认真准备提交单据的时候，就可以减少不符点的出现，降低风险。
In conclusion, avoiding the occurrence of discrepancies requires the joint effort and carefulness of both parties to the transaction. If the seller understands the details and requirements of the L/C in advance and prepares the documents for submission carefully, the occurrence of discrepancies can be reduced and risks can be reduced as well.

2023-06-01

追问：

Susan.Sun

信用证要求单证一致，单单一致，否则就有不符点，这样就真的能造成客户不付款，所以就得做单据时严格按照LC来，不能有半点马虎。
2016-06-17