信用证操作流程中需要关注到交易方银行选择问题

对于多数从事外贸相关业务的工作人员而言,对于信用证操作流程都有所了解,毕竟这是展开外贸交易的核心重点所在,但是对于在具体操作过程中需要关注到的一些细节却没有做好掌握,这对于后期相关业务展开而言会带来一定的影响,因此在这方面千万不能马虎。从事相关外贸业务的工作人员都应该知道,在信用证操作之中其基础是产品销售方和购买方已经确定达成了跟单信用证支付这一条款,此后才会展开相关业务,但是在相关的信用证使用时如何进行开户行的选择等等,根据企业的不同是有差异性的。

例如:

Dear Ms. Gerrard

We are glad to have your reply. In this transaction, you have no objection to the price of these antifreeze plastics. This is the basis for our subsequent business. As for the quantity of products you require, we are unable to meet your demand in the near future.

In your reply, you requested us to ship 15 tons of antifreeze plastic products to the public welfare company before October 25. This quantity is not achievable for our company at present. As a result of the large number of antifreeze plastic products being purchased by various countries in the near future, the inventory of the products is only about 6 tons, and the 15 tons required by your company. Our company will be able to deliver the goods only in October 30th or so.

In addition, we are very sorry that the opening bank is JPMorgan Chase & Co. for your documentary credit, which will cause us a lot of inconvenience. We hope that you can open the corresponding L/C through Citibank as the issuing bank, and promptly send a confirmed L/C to Citibank, Dalian, China, notifying us that we will ship 15 tons of antifreeze plastic products to Dalian Port by the end of October.

尊敬的杰拉德女士

能够获得您的回函,我公司非常高兴,在本次业务往来中贵公司对于这批防冻塑胶品的交易价格没有异议,这是促成我们此后交易的基础,而对于贵公司所需要购求产品数量问题,我公司在近期内无法满足贵公司的需求。

贵公司在回函中要求我公司在10月25日之前为公益公司发货防冻塑胶品15吨,这一数量对于我公司而言目前而言是无法达到的,由于近期阶段各国都在大量购入防冻塑胶品,因此产品库存最多时仅为六吨左右,贵公司所需求的15吨数量我公司最快要在10月30日左右才可以悉数发货。

此外非常抱歉,对于贵公司所给出的跟单信用证,开户银行为摩根大通银行,这会给我方带来诸多不便。希望贵方可以在花旗银行作为开证行,通过该行为受益人开出相应信用证,并及时发函中国大连花旗银行开出保兑信用证,并及时通知我方,我方会在10月末将防冻塑胶品15吨发货到大连港。

如上发盘函中就涉及到了信用证操作流程中到重要环节确定银行问题,首先是“In addition, we are very sorry that the opening bank is JPMorgan Chase & Co. for your documentary credit, which will cause us a lot of inconvenience.”之所以该外贸公司会有这一点要求,是因为要切实保证自己的利益,由于J.P. Morgan Chase Bank在国内相应业务往来极少,所以在短时间内确认详实信息困难,一旦在交易中出现偏差,销售方的利益很难得到保障,基于此种原因该公司要求“We hope that you can open the corresponding L/C at Citibank as the issuing bank through the beneficiary of the act and promptly send a confirmed L/C to Citibank, Dalian, China, and notify us in time.”明确对方在进行开证行选择时要以花旗银行为主,以此确定卖方为受益人的信用证。而在相关保兑信用证方面则是由该银行在大连开设的支行来达成的。这种做法的好处有什么呢?这种做法的好处在于能够方便卖方企业及时了解相关信息,减少中间环节流程,避免在整个交易过程中出现任何漏洞,确保卖方利益,销售方能够第一时间获得花旗银行的通知,获悉信用证是否已经在购买方发货时间之前确定,此后销售方可以第一时间沟通购买方进行船只确认、港口确认以及相关保险业务确认等等。最后则是The issuing bank shall, after examining the documents, pay the bank which has paid, accepted or negotiated in accordance with the L/C in a pre-agreed form.。至此外贸交易中的买卖双方都有了可靠的保障,从而达成相关交易。

如上所述,信用证操作流程中的细节是很多行业新人在实际业务展开过程中所忽视的,而这一点对于公司在交易过程中所具有的风险掌控能力影响非常大,一旦外贸公司在涉外交易过程中,风控无法掌握,那么此后的任何一单生意所存在的亏损可能性都会明显提升,达成The seller and the buyer stipulate the payment of documentary credits in the trade contract, 在国外企业为销售方时,更会重点强调,由于国外企业在这方面的发展较为完善,因此所侧重的细节也会更多一些,在外贸交易往来中如果国内企业为购买方,对于这些细节就更要留意。


声明:该文观点仅代表作者本人,邦阅网系信息发布平台,邦阅网仅提供信息存储空间服务。

评论
登录 后参与评论
爱心公益
举报
问题反馈
返回顶部