國際貨代英語完整講義Unit6DocumentaryCredit

1、國際貨運(yùn)代理專業(yè)英語 unit 6 documentary credit 英文定義：a letter of credit ( l/c, or credit ) is the written promise of a bank to act at the request and on the instruction of the applicant and to undertake payment to the beneficiary in the amount specified in the credit, provide that the beneficiary complies with

2、 the terms and conditions of the credit.注釋：written: 書面的，成文的 promise: 約定，保證 at the request of : 應(yīng)(某人)的請求 on the instruction of: 憑(某人)的指示 applicant: 申請人 beneficiary: 受益人 specify: 指定，詳列 ，規(guī)定 provide ( that ): 假若，規(guī)定 comply with: 依從，服從，遵從 terms and conditions: 條款中文意思：信用證是指銀行應(yīng)申請人的要求和其指示開立的承諾在受益人履行信用證條款后按信用

3、證規(guī)定的金額付款給受益人的書面保證文件。 二、信用證的有關(guān)各方當(dāng)事人(考試重點(diǎn))外語學(xué)習(xí)網(wǎng)英文原文：there are many parties involved in the l/c operation. they are the applicant, issuing bank, advising bank, beneficiary, negotiating bank, and so on.注釋：operation: 操作，運(yùn)作 negotiating bank: 議付銀行中文意思：信用證操作過程中涉及到許多當(dāng)事人(方)，他們是申請人，開證銀行，通知銀行，受益人，議付銀行等1、applica

4、nt(申請人)英文定義：an applicant is the party that applies to a bank for opening a letter of credit. an applicant may also be called “opener” or “accountee”. it is usually the buyer or importer in a contract.注釋：apply to: 向申請或要求 open a letter of credit: 開立信用證 opener: 申請開證人 accountee: 開證申請人中文意思：申請人是指向銀行申請開立信用

5、證的一方。申請人也稱“申請開證人”或“開證申請人”。通常是合同中的買方或進(jìn)口商。2、issuing bank (開證行)英文定義：an issuing bank refers to the bank that issues a letter of credit at the request of the applicant, and is responsible for payment of the proceeds under an l/c if the terms and conditions of the credit are complied with.注釋：refer to: 指的是

6、 be responsible for: 對負(fù)有責(zé)任，對負(fù)責(zé) proceeds: 貨款，收益中文意思：開證行應(yīng)申請人要求開立信用證的銀行，并在信用證條款履行后負(fù)責(zé)支付信用證項(xiàng)下的款項(xiàng)。3、advising bank (通知行)英文原文：an advising bank is usually a bank in the sellers country. of course, it may also be in a third country. upon instructions and entrustment of the issuing bank, the advising bank advi

7、ses the beneficiary of the l/c.注釋：of course: 當(dāng)然 third country: 第三國家 entrustment: 委托中文意思：通知行通常是賣方所在國銀行，也可在第三國家。憑開證行的指示和委托，通知受益人相關(guān)信用證事宜。4、beneficiary (受益人)英文定義：a beneficiary refers to the party in whose favor an l/c is opened and which should comply with the terms and conditions of the credit in order

8、 to receive the proceeds. it usually refers to the seller, the exporter.注釋：in sb. favor：對某人有利，以某人為受益人中文意思：受益人是指信用證受益一方，需按信用證條款履行義務(wù)以獲得付款。通常是指的賣方，或出口商。5、negotiating bank 議付銀行英文原文：a negotiating bank is the bank that negotiates the beneficiarys draft(s). it may be the advising bank or another bank autho

9、rized to negotiate the documents. if there is no specific stipulation in the l/c, the exporter may present the documentary draft to any bank that is able to do the negotiation.注釋：draft: 匯票，付款通知單 be authorized to: 有權(quán)做，被允許 stipulation: 不可數(shù)規(guī)定; 可數(shù)條款, 條件 documentary draft: 跟單匯票中文意思：議付行是對受益人匯票進(jìn)行議付的銀行。議付行可

10、以是通知行或者其他有權(quán)議付單證的銀行。如果信用證中無特殊規(guī)定，出口商可以向任何銀行提交跟單匯票進(jìn)行議付。英文原文：an l/c can be opened by mail, by cable, or by swift. although there are no uniform forms covering an l/c, their contents are basically the same.注釋：cable: 電報(bào) swift ( society for worldwide interbank financial telecommunication) ：環(huán)球銀行間金融電訊協(xié)會(huì) unif

11、orm form: 統(tǒng)一格式中文意思：信用證可以通過郵件，電報(bào)以及swift格式開立。盡管信用證沒有統(tǒng)一的格式，但其內(nèi)容基本一樣。英文原文：they include all the important terms and conditions of the sales contract signed by the two parties: documents required, the bankers undertaking clauses, and any special conditions in the l/c.注釋：documents required: 單證要求 banker: 銀行

12、 clause: 條款中文意思：這些基本內(nèi)容包括所有買賣方雙方簽署的合同中的重要條款：單證要求，銀行保證條款，以及其他信用證的特別規(guī)定。四、跟單信用證的基本程續(xù)(考試重點(diǎn))三個(gè)基本步驟：1、issuance of the l/c 信用證開立英文原文：the process of a buyer applying for and opening a documentary credit at the issuing bank, and the issuing banks notification of the l/c to the seller through the advising bank

13、. 信用證開立是買方向開證行申請開立信用證，通過通知行向賣方發(fā)出開證行開證通知。注釋：process: 過程，程序 notification: 通知，通知書2、amendment to the l/c if necessary 如需對信用證進(jìn)行修改英文原文：the process whereby the terms and conditions of a documentary credit may be modified after the credit has been issued. 在信用證開立后如需對跟單信用證的條款進(jìn)行更改需進(jìn)行信用證的修改。注釋：amendment: 修正, 改正

14、, 修訂 whereby: 因此，為何，由此 modify: 變更，修改3、utilization and settlement 使用和支付英文原文：the process whereby the seller ships the goods, transfers the documents from the seller to the buyer through banks, and transfers the proceeds from the buyer to the seller through banks in different ways (the settlement). 這一過

15、程是賣方裝運(yùn)貨物，將單證通過因銀行轉(zhuǎn)讓給買方，并且再由買方通過銀行向賣方通過各種途徑付款。 六、信用證的類型(考試重點(diǎn)) 信用證根據(jù)環(huán)境可分為許多種類型，一種信用證同時(shí)可能有不同的特征。1. documentary credits vs. clean credits 跟單信用證與光票信用證英文原文：if shipping documents are required, these credits are called documentary credits. if shipping documents are not required and only drafts are required,

16、 they are called clean credits.注釋：documentary credit: 跟單信用證 clean credit: 光票信用證中文意思：如果信用證附帶有裝運(yùn)單據(jù)，則稱為跟單信用證。如果信用證不附帶單據(jù)僅附帶匯票，則稱為光票信用證。2. irrevocable documentary credits 不可撤銷信用證英文原文：irrevocable credits means that once the l/c is opened, it cannot be cancelled or amended within its term of validity witho

17、ut the agreement of the issuing bank, the confirming bank, if any, and the beneficiary. 注釋：irrevocable: 不能撤銷的, 不能恢復(fù)的 once: 一旦 term of validity: 有效期 agreement: 同意中文意思：不可撤銷信用證是指信用證一旦開立，在有效期內(nèi)未經(jīng)開證行，保兌行以及受益人的同意不得撤銷和更改的信用證。3. confirmed vs. unconfirmed credits 保兌信用證與不保兌信用證英文原文：under irrevocable documentary

18、 credits, depending on whether there is another bank in addition to that of the issuing bank undertaking to pay, an irrevocable letter of credit can be either a confirmed or unconfirmed l/c. if a credit is not confirmed by another bank, it is an unconfirmed l/c.注釋：confirmed credit: 保兌信用證 unconfirmed

19、 credit: 不保兌信用證 depend on: 依賴，取決于 in addition to: 除之外 undertake to do: 承擔(dān)，承諾 eitheror: 不是.就是, 或.中文意思：不可撤銷信用證是否為保兌信用證，取決于是否存在除了開證行以外的另外一家銀行也承諾付款，不可撤銷信用證可以是保兌或者不保兌信用證。如果信用證無其他銀行保兌，則它是不保兌信用證。英文原文： the undertaking to pay is the sole responsibility of the issuing bank. an irrevocable confirmed documentar

20、y credit is one that contains the guarantee of payment to the beneficiary by both the issuing bank and confirming bank so long as the terms and conditions of the credit are met.注釋：sole: 唯一的 contain: 包含，容納 guarantee: 保證，擔(dān)保，擔(dān)保書 so long as: 只要 met (meet的過去分詞)：滿足中文意思：開證行唯一的責(zé)任是付款。不可撤銷保兌信用證即只要滿足了信用證條款的要求，

21、開證行和保兌行都可擔(dān)保向受 益人履行付款義務(wù)。4. sight credits vs. time credits 即期信用證與遠(yuǎn)期信用證1)即期信用證英文原文：sight credits mean that the issuing bank or its nominated bank effects payment or negotiation immediately upon receipt of the drafts and/or other documents that are in conformity with the stipulations of the l/c, such as

22、 a sight payment credit and sight negotiation credit.注釋：effect payment: 履行付款, 支付款項(xiàng) effect negotiation: 進(jìn)行議付 upon receipt of: 一旦收到(on receipt of: 當(dāng)收到的時(shí)候)in conformity with: 和一致，和符合 stipulations: (復(fù)數(shù))條款，條件 sight payment credit: 即期付款信用證 sight negotiation credit: 即期議付信用證中文意思：即期信用證是指開證行或者其他指定銀行一旦收到與信用證條款相符的匯票或者其他單據(jù)后立即履行付款義務(wù)或進(jìn)行議付的信用證，比如即期付款信用證和即期議付信用證2) 遠(yuǎn)期信用證英文原文：a time credit includes the sellers time credits (deferred payment credits and acceptance credi