1

Bi 6

nghip v l/C

cp nht UCP 600 & ISBP 681

MC TIU

Sau khi kt thc bi 6, sinh vin c kh nng:

Hiu r khi nim, c im, v cc vn bn php l iu

chnh giao dch L/C;
Hiu r ni dung v quy trnh nghip v giao dch L/C;

Xc nh trch nhim ca cc bn tham gia giao dch

L/C; v
Tip cn ni dung cp nht UCP 600 v ISBP 681.

CC K HIU VIT TT
L/C: Letter of Credit.

NHPH: Ngn hng Pht hnh (Issuing Bank).

NHTB: Ngn hng Thng bo (Advising Bank).
NHCK: Ngn hng Chit khu (Negotiating Bank).

NHXN: Ngn hng Xc nhn (Confirming Bank).

NHC: Ngn hng c Ch nh (Nominated Bank).

1. KHI NIM V GII THCH THUT NG (1)

1.1. Theo ngn ng UCP 600, ti iu 2:

@ Credit means any arrangement, however
named or described, that is irrevocable and thereby
constitutes a definite undertaking of the issuing bank to

honour a complying presentation.

@ "Tn dng l mt tho thun bt k, cho d
c tn gi hay c m t nh th no, th hin mt

cam kt chc chn khng hu ngang ca NHPH v vic

thanh ton khi xut trnh ph hp.

1. KHI NIM V GII THCH THUT NG (2)

1.2. Gii thch thut ng:
*/ V tn gi: however named (described):
- Ting Anh:
- Ting Vit:

*/ Ti sao gi l Tn dng "Chng t"?

*/ V thut ng "Tn dng - Credit":

2. C IM CA GIAO DCH L/C (1)

2.1. Giao dch L/C cn ti 3 hp ng c lp:

Issuing Bank

C2

Applicant

C3

C1
Sales Contract

Beneficiary

2. C IM CA GIAO DCH L/C (2)

2.2. Giao dch L/C c 5 c im:

1. L/C l hp ng kinh t ca my bn?

2. L/C c lp vi hp ng c s v hng ho.
3. L/C ch GD bng C.t v TT ch cn c vo C.t.

4. L/C yu cu tun th cht ch ca BCT.

5. L/C l cng c TT, hn ch RR hay cng c t chi TT
v la o?

3. VN BN PHP L IU CHNH L/C

3.1. Vn bn php l (ring):
- UCP
- ISBP

Quan trng nht

- eUCP

UCP 600 & ISBP 681

- URR
3.2. Tnh cht php l tu ca UCP (SS vi Lut):
1. Tt c cc phin bn UCP u cn nguyn hiu lc.

2. Ch khi trong L/C c dn chiu UCP, th...

3. VN BN PHP L IU CHNH L/C

3. Cc bn c th tho thun trong L/C:

- Khng thc hin, hoc thc hin khc i mt hoc mt

s K ca UCP.
- B sung thm nhng K vo L/C m UCP ko cp.

4. Nu ni dung UCP c xung t vi lut quc gia, th

lut quc gia c... phn quyt ca to n a
phng c th ph nhn ni dung giao dch L/C.
5. Quy tc tun th: Cc K L/C, sau l K UCP p dng.

10

4. CC NH NGHA V GII THCH (1)

4.1. Xut trnh ph hp (Complying presentation):
Cc .khon ca L/C

Cc .khon UCP p dng

ISBP

Phi ph hp ng thi
XUT TRNH PH HP

Trch nhim ca
NHPH phi TT

NHXN phi TT or CK v
chuyn C. t cho...

NHC nu TT or CK
th chuyn c.t cho...

11

4. CC NH NGHA V GII THCH (2)

4.2. Xut trnh (Presentation) = i tin v chuyn giao ct:

1/

2/

Ngi th hng

Ngi th hng

B chng t
Xut trnh
B chng t
Xut trnh

NHC

NHXN

Remitting
Bank
3/

Ngi th hng

Xut trnh

NHPH

12

4. CC NH NGHA V GII THCH (2)

Xut trnh (tip)
4/

5/

6/

NHC

B chng t
Xut trnh

NHPH

NHC

B chng t
Xut trnh

NHXN

NHXN

B chng t
Xut trnh

NHPH

4. CC NH NGHA V GII THCH (3)

13

4.3. Ngi xut trnh (presenter):

Ngi th hng, ngn hng hoc mt bn khc thc

hin vic xut trnh.
4.4. a im xut trnh (Place of Presentation):

a im ca NH, m ti L/C c gi tr TT or CK.

1/ L/C available with Issuing bank.
2/ L/C available with Confirming bank.
3/ L/C available with Nominated bank.
4/ L/C available with Any bank.

4. CC NH NGHA V GII THCH (4)

5. Thanh ton (Honour):

a/ Tr tin ngay (sight payment).

b/ Cam kt tr chm (deferred payment).
(Cam kt TT v TT khi...)

c/ Chp nhn HP (draft acceptance).

(Chp nhn TT B/E v TT khi....)
6. Chit khu (Negotiation):
NHC mua...bng cch ng trc.

14

4. CC NH NGHA V GII THCH (5)

.

L/C available by
Honour

Negotiation

a/ Sight payment

a/ Purchase of draft

b/ Deferred payment

b/ Purchase of docs

c/ Draft acceptance

c/ Purchase of draft
and documents

15

16

4. CC NH NGHA V GII THCH (6)

7. L/C c gi tr (L/C is available with...by...):
8. Phn bit "deferred L/C" v "acceptance L/C":
L/C

At sight L/C

Time (usance) L/C

Deferred L/C

Acceptance L/C

NH cam kt TT
khng bng hnh
thc chp nhn HP
(khng c HP)

NH cam kt TT
bng cch chp
nhn
HP (c HP)

4. CC NH NGHA V GII THCH (7)

17

9. Phn bit "payment L/C v "negotiation L/C":

Payment L/C

Negotiation L/C

1. B/E k pht i tin NHC

1. Hi phiu k pht i tin NHPH.

2. NHC ghi n TK ca NHPH sau khi TT 2. NHPH ghi c cho NHC sau khi nhn cho Ben.

c in i tin.

3. NH tr tin gi l Paying Bank

3. NHCK gi l Negotiating Bank.

4. CC NH NGHA V GII THCH (8)

18

10. Phn bit "Negotiation" v "Discount":

Tiu ch

Negotiation

Discount

1. i tng mua bn. 1. BE/BCT.

1. Giy t c gi.

2. Gi tr TT.

2. Ti a bng gi tr.

2. TT bng th gi.

3. K mua bn.

3. Tr. i or min tr. i 3. Mua t, bn t.

Ghi ch: Vic phn bit ny ch c ngha v l thuyt,

trong thc t....

5. CC BN THAM GIA giao dch L/C (1)

19

1. Ngi m L/C (Applicant for L/C):

2. Ngi th hng L/C (Beneficiary):

3. Ngn hng Pht hnh (Issuing Bank).
4. Ngn hng Thng bo (Advising Bank).

5. Ngn hng Xc nhn (Confirming Bank).

6. Ngn hng c ch nh (Nominated Bank).
Ghi ch: Ch nh y lin quan n vic "Honour or
Negotiation", do Advising and Reimbursing Bank...

5. CC BN THAM GIA giao dch L/C (2)

.

20

1/ Confirming Bank

2/ Paying Bank
Nominated Bank

3/ Accepting Bank
4/ Negotiating Bank
5/ Deferred undertaking Bank

21

6. QUY TRNH NGHIP V L/C

6.1. Quy trnh m v thng bo L/C:
Issuing Bank
NHPH

(3) Issue L/C

(2) Apply L/C

Applicant
Nh NK

Advising Bank
NHTB

(4) Advise
L/C

(1) Sales
contract

Beneficiary
Nh XK

22

6. QUY TRNH NGHIP V L/C

6.2. Quy trnh thanh ton L/C TT ti NHPH:
Remitting Bank
NH chuyn c. t

(2*)
Documents

Issuing Bank
NHPH

(3*) Credit
(2*)
Documents

(3*)
Credit

(3) Honour

(4)
Retirement

(5)
Documents

(2)
Presentation

Beneficiary
Nh XK

(1) Shipment of
goods

Applicant
Nh NK

23

6. QUY TRNH NGHIP V L/C

6.2. Quy trnh thanh ton L/C TT ti NHC:
Nominated Bank
NHC

(3)
Presentation

Issuing Bank
NHPH

(3*) Honour
(2)
Presentatio
n

(2*) Honour
or

(4)
Retirement

(5)
Documents

negotiation
Beneficiary
Nh XK

(1) Shipment of
goods

Applicant
Nh NK

24

6. ni dung ca MT 700/701 (1)

Status

Tag

Field Name

Content/Options

27

Sequence of Total

1n/1n

40A

Form of Documentary Credit

24x

20

Documentary Credit Number

16x

23

Reference to Pre-Advice

16x

31C

Date of Issue

6n

31D

Date and Place of Expiry

6n29x

51a

Applicant Bank

A or D

50

Applicant

4*35x

25

6. ni dung ca MT 700/701 (2)

Status

Tag

Field Name

M
M
O

59
32B
39A

Beneficiary
Currency Code, Amount
Pct Credit Amount Tolerance

Content/Option
s
[/34x]4*35x
3a15number
2n/2n

O
O

39B
39C

Maximum Credit Amount

Additional Amounts Covered

13x
4*35x

M
M
O
O
O

41a
40E
42C
42a
42M

Available With...By...
Applicable Rules
Drafts at...
Drawee
Mixed Payment Details

A or D
A or D
3*35x
A or D
4*35x

26

6. ni dung ca MT 700/701 (3)

Status

Tag

Field Name

Content/Options

42P

Deferred Payment Details

4*35x

43P

Partial Shipments

1*35x

43T

Transshipment

1*35x

44A

Loading on Board/Dispatch/Taking in 1*65x

Charge at/from...

44B

For Tansportation to...

1*65x

44C

Latest Date of Shipment

6n

44D

Shipment Period

6*65x

45A

Descreption of Goods and/or Services 100*65x

46A

Documents Required

100*65x

27

6. ni dung ca MT 700/701 (4)

Status

Tag

Field Name

Content/Option
s

47A

Additional Conditions

100*65x

71B

Charges

6*35x

48

Period for Presentation

4*35x

49

Confirmation Instructions

7x

53a

Reimbursing Bank

A or D

78

Instructions to the
Paying/Accepting/Negotiating Bank

12*65x

57a

"Advise Through" Bank

A, B or D

72

Sender to Receiver Information

6*35x

7. nhng ni dung ch yu ca L/C (1)

28

@Ni dung ca L/C c phi mang tnh chun mc bt

buc hay khng?
- V l thuyt:
- Trn thc t: Mu n = H chun; Mu in Swift =
chun trn ton th gii.
1. S hiu L/C (Credit Number):
- Tt c cc L/C u phi c s hiu ring.
2. a im pht hnh L/C:
- Lin quan n lut p dng gii quyt tranh chp L/C.

7. nhng ni dung ch yu ca L/C (2)

29

3. Ngy pht hnh L/C (Date of Issue):

- Cc tnh hung v ngy PH.
- Bt u tnh thi hn hiu lc ca L/C.
- Thi im m L/C hp l.
4. Tn, a ch ca nhng ngi c lin quan n L/C:
a/ Cc thng nhn.
b/ Cc ngn hng.
c/ Cc c quan, t chc.
5. S tin ca L/C:
@ C th chp nhn mt L/C c s tin bng s v
bng ch khc nhau?

7. NHNG NI DUNG CH YU CA L/C (3)

30

a/ Nu L/C quy nh s lng l chic, ci, bao...hay quy

nh s tin l c nh, th khng c dung sai.
b/ Nu cc t "about", "approximatly", "circa"... c s
dng ni v "s tin", hoc "khi lng", hoc "n
gi" th c hiu l cho php mt dung sai 10% i
vi s tin, hoc s lng, hoc n gi.
c/ Ngoi tr khon a/ v b/ trn, th 5% khi lng giao
hng mi ln l c php, nhng tng s tin i
khng c vt qu s tin ca L/C.

7. NHNG NI DUNG CH YU CA L/C (4)

31

d/ Nu giao hng mt ln, th mt dung sai gim 5% gi tr

ca L/C l c php, min l n gi khng c gim
v L/C khng dng cc t nh im b/.
6. Thi hn hiu lc ca L/C (ti u).

- L thi hn NHPH cam kt tr tin cho nh XK.

- Thi hn L/C c tnh t Date of Issue - Expiry Date.

7. NHNG NI DUNG CH YU CA L/C (5)

32

- Thi hn L/C phi m bo cc nguyn tc sau y:

+ Ngy giao hng phi trong thi hn ca L/C.

+ Ngy m L/C phi trc ngy GH mt thi gian hp l.
+ Ngy ht hn L/C phi sau ngy GH mt thi gian.

7. Thi hn tr tin ca L/C (Date of Payment):

- At sight, Usance, Deferred.
- Nu L/C At Sight, hi phiu s l:
"available against presentation of your draft at sight on..".

7. NHNG NI DUNG CH YU CA L/C (6)

33

- Nu Usance L/C, th thi hn tr tin c th nm ngoi

thi hn hiu lc ca L/C, nhng iu quan trng l,
nhng HP c k hn phi c xut trnh CN trong
thi hn hiu lc ca L/C.
- Nu Deferred L/C: TT tr chm khng c HP.
8. Ngy giao hng (Shipment Date): Cc cch quy nh
- Ngy giao hng chm nht.
- Khng c giao hng trc mt ngy nht nh.
- Trc khi L/C ht hn mt s ngy nht nh.
- Trong mt khong thi gian nht nh...

7. NHNG NI DUNG CH YU CA L/C (7)

34

9. Nhng ni dung lin quan n hng ho:

Nh tn hng, s lng, trng lng, gi c, quy cch phm
cht, bao b, k m hiu...cng c ghi vo L/C.
@ Ti sao khng nn m t hng ha mt cch qu chi

tit, phc tp v di?

10. Nhng ni dung v vn ti, giao nhn hng ho:
- Ni i, ni n, chuyn ti, cc ph, giao hng tng
phn, K c s giao hng...

7. NHNG NI DUNG CH YU CA L/C (8)

35

11. B chng t m nh XK phi xut trnh:

- Ni dung quan trng ca L/C, v BCT l bng chng

ch.minh nh XK hon thnh ngha v giao hng.
- Nu BCT ph hp vi L/C, th NHPH s TT cho nh XK.

- BCT do L/C Q nhiu hay t tu theo tnh cht HH, nc NK v s tho thun gia hai bn, nht l ngi mua.
- Trong TTQT, NH TT ch cn c vo CT. V vy, lp
BCT phi nghim ngt, hon ho, ph hp vi L/C.

8. PH L/C V TRCH NHIM CA NHPH

8.1. Mu n m L/C ca Citibank:

36

37

Citigroup (1) APPLIACTION FOR L/C

application for irrevocable documentary credit (credit)
To:
citibank, NA.,
Branch
1 st floor, 17 ngo quyen street, hoan kiem district, hanoi, vietnam ("citibank")
Date of this Application:........................................................
We request you to issue your irrevocable documentary credit for our account in accordance with the
instructions below (mark (X) where appropriate)
Applicant (Name and Address)

Form of credit
Transferable
Revolving

Credit Number

Amount in Figures

CCY Cod

Beneficiary (Name, Address and Phone/Fax No.)

Amount in Words

Contract Person

Allowance of Variance in credit amount:+/%

Advising Bank (Citibank, N.A. Branch if not specified) Date of Expiry (ddmmyy):
Place of Expiry of this Credit (where docs
must be presented)
Advising Bank SWIFT Code:

38

Citigroup (2) APPLIACTION FOR L/C

Available with
Nominated Bank
Issuing Bank
any Bank
By sight payment/ negotiation/
acceptance/ deferred payment

Drafts not required

Drafts required
At sight/
At...days after date of ( B/L invoice) drawn
on Issuing bank/ Other
for
full invoice value of goods % invoice value
of goods

Loading on Board/Despatch/taking in
charge/Delivery
At/from
Not later than
For transportation to

Patial Shipments
Allowed
not allowed

Goods (brief description without excessive detail)

Transhipment
Allowed
not allowed

Trade Terms as per

INCOTERMS 1990/2000
FOB CFR CIP
Others (please specify)

Citigroup (3) APPLIACTION FOR L/C

39

Documents required
Signed commercial invoice in.......original and......Copies
Transport document (select one) Marine Air Multimodal Other
Clean on board
Issued in
full set/
2/3 original/
Other
Consigned to the order of
Issuing bank/ Shipper, endorsed in blank,
Marked "Freight
Prepaid/ Collect" and "Notify Applicant/ Other
Marine/ Air insurance Policy or certificate in duplicate in negotiable form and blank endorsed
for 110% of CIF value with claim payable at destination in the same currency as the draft,
covering Institute Cargo Clause A, Institute Strikes and Civil Commoditions Clauses, Theft,
Piferage and Non-delivery Clauses.
Certificate of origin in......and....... copies issued by...........
Other documents (please specify):
For CFR or FOB Shipment, insurance to be covered by Ultimate buyer Applicant
( Cover Note no.
Insurance Co.......)

Citigroup (4) APPLIACTION FOR L/C

Additional Conditions

40

In case of query please telephone

No.....
And ask for
Mr/Ms...............................

Period for Presentation

after transport We hereby agree that this
doc. but within DC validity (=21 days unless application and the opening by
otherwise stated)
you of this Credit shall be subject
Please debit an amount equal to
of the in all respects to the terms and
Credit amount from our account no.
with coditions attached hereto.
you as our prepayment for any of our
obligations under the Credit as well as any
interest, fees, and charges that you may charge
relating to this Credit.

Cofirmation Instructions Not required

Required (Charges are for account of
Beneficiary/ Applicant

Company's Stamp and Authorised

Charges
Signature(s)
All bank charges outside Vietnam are for
of Applicant
account of

8. PH L/C V TRCH NHIM CA NHPH (1)

41

8.2. Kim tra n v Pht hnh L/C:

a/ Kim tra n v son tho L/C:
1. Tn, a ch, t cch v ch k ca ngi m.
2. Tn v a ch y ca ngi hng.
3. Bo m hn mc L/C v cc bin php bo m TD.
4. Kim tra thi hn hiu lc giy php NK, nu c.
5. Kim tra cc quy nh v qun l ngoi hi.
6. Kim tra tnh trng ca ngi hng li (nu cn).
7. Nu iu kin giao hng l FOB, CFR... Bo him?

8. PHT HNH L/C V TRCH NHIM CA NHPH (2)

8. i chiu cc ch th gia n v L/C.
- Loi L/C.
- Gi tr v loi tin L/C.
- Ngy v a im ht hn L/C.

- Hi phiu.
- Phng thc chuyn L/C?
- M t HH?

- Cc ph? ai tr? Trc hay sau?

- Chi tit v cc chng t xut trnh?

42

8. PHT HNH L/C V TRCH NHIM CA NHPH (3)

- Thi hn, a im xut trnh?
- a im hng i, hng n?
- Chuyn ti c b cm?
- Giao hng tng phn c b cm?
- Ngy giao hng chm nht?
- L/C c th chuyn nhng?
- L/C at sight, Acceptance, Negotiable?
9. Chn NHTB.
10. n nh s L/C.
11. Pht hnh L/C.

43

8. PHT HNH L/C V TRCH NHIM CA NHPH (4)

44

Ch : Vic chuyn cc ch th t n vo L/C phi

c thc hin vi s cn trng c bit.
b/ Phng thc pht hnh:
1. Bng Th qua Bu in.
2. Bng in: Telex, Fax, Swift.
3. Pht hnh hn hp: Th + in.
Ch : a/ Thi im pht hnh L/C?
b/ Khi no PH bng th? Khi no bng in?
c/ So snh pht hnh bng Th v bng in?

8. PHT HNH L/C V TRCH NHIM CA NHPH (5)

45

c/ Trch nhim ca NHPH:

Sau khi pht hnh L/C, NHPH chu trch nhim theo quy
nh ti iu 7 UCP 600 (Trang 421).
8.3. S nghip v ca NHPH

8.3(a) NHPH lm nhng g vi L/C?

46

(1) Tip nhn v

k.tra h s m L/C

(2) Pht hnh L/C

(3) Tu chnh or
hy L/C (nu c)

(4) Nhn v k.tra

b chng t

(5) T chi TT nu
x.trnh kh. ph hp

(6) Thanh ton v

kt thc h s L/C

HP NG THNG MI

47

Nh NK lm n m LC (form)

.8.3(b)

Pht

NH xem xt:
- HTM
- Phuong an kd
- Bao cao tai chinh
- Yu cu k qu...

NHPH tip nhn n m LC

hnh
L/C

Yu cu sa Sau khi
n m L/C sa i

Quyt nh
m L/C

M bng th:
- Theo mu
- 2 ch k
Hn ch:
- Chm
- Mt an ton
- t dng

T chi
m L/C

M bng in:
- Telex
- Swift

Telex:
t nht mt NH
khng l
TV ca Swift

Swift: Dng ch yu
- M: MT 700/701
- Sa i: MT 707
- ...

8.3(c) Nhn BCT

.

. Xem xt

KH cn BL nhn H.

K PH
bo lnh

PH bo lnh

Kh. PH bo lnh

TT C.t v K
Thuhi
BL

48

A. CHNG T N SAU H.HA

KH kh. cn BL nhn H.

Nhn b ch. t

Kh. ph hp L/C
Tr c.t
choNHTB

Chp nhn
TT, nhnC.t

Ph hp L/C

Tip xc
nh NK

Tip xc
nh XK(*)

NHPH TT/
Ch. nhn

Kh. chp nhn

S,cha,
th.th, b
sung

Trao
ch. t
cho NK

Tr C.t

Lu !

49

(*) Theo suy din ca mt s ngi, NHPH khi nhn c b chng

t phi c trch nhim kim tra tm ra li lm c s i ph
sai st hoc t chi chng t. Do , vic tip xc vi nh XK
hon chnh b chng t l i ngc vi quyn li ca NHPH.
Thc ra khng phi nh vy! Bn cht ca L/C l cng c thanh
ton ch khng phi cng c t chi, chnh v vy, trong hu
ht cc trng hp, NHPH ch nh mt ngn hng nc nh
XK thay mt mnh kim tra v tr gip nh XK hon thin b
chng t. Nh vy, trong trng hp L/C cn thi hn, m b chng
t c li v c th khc phc c, th NHPH (ging nh NHC)
c quyn tip xc vi nh XK (qua ngn hng phc v nh XK)
hon thin b chng t vic thanh ton c sun s.
Vic lm ny l khng b cm. Tuy nhin, trong thc t ta him
gp tnh hung nh th ny nn thy l m thi.

B. CHNG T N TRC H. HA

50

8.3(d)
Nhn

Nhn chng t

BCT
Ph hp L/C

Kh. Ph hp L/C

NHPH TT/ch.nhn

X.l nh q.tr. trc

Trao c.t cho nh

NK nhn hng

K.tra chng t

9. THNG BO L/C V TRCH NHIM CA NHTB (1)

9.1. Ti sao phi thng bo L/C qua NH:

- Mc ch TB L/C qua NH?

- Quy tc xc minh tnh chn tht L/C?
9.2. Quy tc chn NHTB:

1/ NHTB lun phi do NHPH ch nh.

2/ L NH ca nh XK, l CN hay L ca NHPH.
3/ C s ch nh:
- Theo ngh trong n.
- Nu trong n khng th hin, th...

51

9. THNG BO L/C V TRCH NHIM CA NHTB (1)

52

4/ L/C v sa i L/C phi c TB qua cng mt NH.

5/ NHTB th nht v NHTB th hai.
9.3. Quy tc TB L/C:

a/ L/C c gi tr thc hin:

- Bng th xc minh c ch k.
- Bng in, xc minh c kha m hoc Swift code.
Nu khng c ghi ch g thm, th cc L/C nh vy lun
c gi tr thc hin. Nu c vn bn xc nhn bng th,
bng in gi n sau th cng khng c gi tr g.

9. THNG BO L/C V TRCH NHIM CA NHTB (1)

b/ Thng bo s b (Pre-advised):
- Nu L/C chuyn bng in chn tht v c ghi ch:
+ Mi chi tit gi sau.
+ Vn bn XN bng th mi l vn bn thc hin.
- Mi quan h gia TB s b v L/C?
c/ TB v hiu:
- Khi no TB l v hiu?
+ Khng xc minh c tnh chn tht.
+ C ghi ch l v hiu.
- NH phi lm g khi nhn c TB v hiu?

53

9. THNG BO L/C V TRCH NHIM CA NHTB (1)

54

d/ Trch nhim kim tra tnh chn tht L/C ca NHTB:

- Nu khng xc minh c?
- Nu cc ch th khng hon chnh, khng r rng?
- Khi no th L/C c hiu lc thc hin?

e/ Trch nhim chuyn nguyn vn TB cho KH:

- NHTB khng chu trch nhim CK hay TT.
- Khng chu trch nhim dch, gii thch thut ng
chuyn mn.

9. THNG BO L/C V TRCH NHIM CA NHTB (2)

55

@ Trch nhim ca NHTB c quy nh ti iu 9

UCP 600 (trang 423)

56

(1) Nhn L/C

t NHPH

.9.1.
NHTB
v
NHC
lm
nhng
g
vi
L/C?

(2) Kim tra tnh

chn tht L/C
(3) Nhn, k.tra
b chng t XK
(4) Xut trnh
C.t ti NHPH
(5) Bo c
cho nh XK

Khng ph hp

Khng ph hp

YC tu chnh or
hy L/C (nu c)

YC chnh sa
ch. t (nu c)

NHTB

57

Nhn L/C(sa i)

9.2. TB L/C

Kim tra chn tht L/C

C nghi ng,
kh. ng, kh. r.
TB bn sao
cho nh XK

TB cho
NHPH lm r

Khng xc
minh c

Chn tht

Hy L/C

- Th: Signature
- Telex: testkey
- Swift: Swift code

Chn tht

Chuyn L/C cho

ngi hng

NGN HNG PHC V NH XK

.
9.3.

58

Nhn b chng t

Tip
.
nhn,
TT
BCT

L NHC

Khng l NHC

K.tra c.t

Gip nh XK k.tra,
hon thin BCT

Ph hp

Khng ph hp

NHXN (phi)

NHC (nu)

. Payment
. Negotiation
. Acceptance
. Deferred
Under. Payment
Without Recourse

. Payment
. Negotiation
. Acceptance
. Deferred
Under. Payment
Recourse?

XK h.thin c.t
C.t
h.ho

GI B CHNG T I TIN NHPH

C.t
kh.h.ho

10. XC NHN L/C V TRCH NHIM CA NHXN (1)

59

10.1. Xc nhn L/C:

- L cam kt chc chn, khng hy ngang ca mt NH
b sung vo s cam kt ca NHPH TT hay CK BCT.
L/C XN c bo m TT hai ln.
- Khi no th cn xc nhn L/C?
- Quy tc chn NHXN?
10.2. Trch nhim ca NHXN?
- Xc nhn (khng hy ngang) v bo lnh (d phng)?
- Quy nh ti iu 8 UCP 600 (trang 422).

10. XC NHN L/C V TRCH NHIM CA NHXN (2)

3. NHXN cn xem xt?

- L/C phi dn chiu UCP600.

- Phi c NHPH yu cu.
- NHPH v nc nh NK phi tn nhim, n nh.

- S tin qu ln.
4. T chi xc nhn:
- Yu cu k qu 100%
- Tuyn b khng sn sng xc nhn L/C.

60

11. CH NH V TRCH NHIM CA NHC (1)

61

11.1. Ch nh:
- L vic NHPH ch nh mt NH khc thay mt mnh
thc hin vic TT hoc chit khu BCT.
- Bt k L/C no cng phi ch nh mt NH ch danh
hay c gi tr t do.
+ Available with Issuing bank by...
+ Available with Confirming bank by...
+ Available with Nominated bank by...
+ Available with Any bank by...
- Mt L/C c gi tr ti NHC th cng c gi tr ti NHPH.

11. CH NH V TRCH NHIM CA NHC

62

11.2. Trch nhim ca NHC:

1. Trong 5 ngy lm vic phi Q xem X.trnh c ph hp?

2. Vic NHC thc hin y quyn l ty .
3. i vi L/C Usance hay Deferred: NHC c php

tr tin trc hay CK hi phiu.

4. Vic ch tip nhn, kim tra v chuyn chng t khng
to nn bt k trch nhim no i vi NHC phi...
5. Sau khi TT hay CK th phi chuyn BCT cho NHPH.

11. CH NH V TRCH NHIM CA NHC

63

6. Nu X.trnh khng ph hp th t chi TT hay CK BCT

v phi gi mt TB (c lp) cho ngi xut trnh, ng

thi gi tr li BCT cho ngi xut trnh.

Trch nhim ca NHC c quy nh ti iu 12

UCP 600 (trang 426).

12. SA I L/C (1)

64

12.1. Cc nguyn tc sa i:

1. L do sa i?
2. i vi L/C hy ngang.
3. i vi L/C kh.huy ngang: Phi c s ng thun ca...

4. Ngi xut sa i L/C? ngi XK, ngi NK.

5. Quy trnh sa i:
+ Ngi NK n phng ngh NHPH sa i L/C.

12. SA I L/C (2)

65

+ Ngi XK n phng ngh NHPH sa i L/C

(qua NHTB).
+ Ngi NK v XK ng thun ngh NHPH sa i.
6. Sa i L/C lun c chp nhn?

7. Thi im chp nhn sa i?

8. Chp nhn sa i tng phn? ng ngha vi vic t
chi sa i.

12. SA I L/C (3)

66

12.2. Cc vn cn tho lun:

Th nht, vic im lng ca ngi XK cho n khi xut trnh

Th hai, c nn quy nh mt thi gian hp l (5-7 ngy)
cho vic chp nhn sa i?

Th ba, NHPH b rng buc trch nhim t thi im PH

sa i, trong khi NHXN...

13. UCP V DN CHIU UCP VO L/C

67

13.1. Khi nim UCP:

UCP l mt tp hp cc nguyn tc v tp qun quc t

c ICC son tho v ban hnh, quy nh quyn hn,
trch nhim ca cc bn lin quan trong giao dch TDCT

vi K L/C c dn chiu tun th UCP.

T KN cho thy, UCP iu chnh khng nhng cc

NH m cn tt c cc bn lin quan, nh...
Loi b quan im m h ca cc nh XNK!!!

13. UCP V DN CHIU UCP VO L/C

68

13.2. S cn thit ra i UCP:

- TM pht trin TDCT pht trin.
- Do mi quc gia.... cn thng nht gim thiu cc
tranh chp, thc y TM quc t.
- Nm 1933 ban hnh UCP ln u v c chp
nhn v s dng rng ri trn phm vi ton th gii.
13.3. Sa i UCP trong qu trnh pht trin:
- Ti sao phi sa i?
- Cc ln sa i:
+ Pht hnh ln u: 1933

13. UCP V DN CHIU UCP VO L/C

+ Sa i ln th nht: 1951

+ Sa i ln th nht: 1951
+ Sa i ln th hai:

1962 (UCP 222)

+ Sa i ln th ba:

1974 (UCP 290)

+ Sa i ln th t:

1983 (UCP 400)

+ Sa i ln th nm: 1993 (UCP 500)

+ Sa i ln th su:

2007 (UCP 600)

Sa i UCP l khng nh k. Cn c sa i l...

69

13. UCP V DN CHIU UCP VO L/C

70

13.4. Tnh cht php l ty ca UCP:

- Tnh cht ty th hin...
- Nn nng cp UCP thnh lut hay cng cquc t?
13.5. Dn chiu UCP vo L/C:
- Tt c UCP u c hiu lc, nn dn chiu phi r rng
- Bng th: "This credit is subject to UCP DC, 2007
Revision, ICC Publication No. 600".
- Bng Swift: 40E: Applicable Rules
"UCP LATEST VERSION/OTHER"

13. UCP V DN CHIU UCP VO L/C

71

13.6. Mi quan h php l gia UCP v lut quc gia:

a/ H thng php lut iu chnh giao dch L/C (theo tnh

cht php l gim dn):
- Cng c quc t.

- Hip nh song phng v a phng.

- Lut quc gia.
- Thng l v tp qun quc t.

13. UCP V DN CHIU UCP VO L/C

72

Ch : Cc bn tham gia c php tha thun p dng

bt k ngun lut hay tp qun quc t no, th ngun

lut hay tp qun quc t tr thnh c s php l

iu chnh v gii quyt tranh chp gia cc bn. Nu c
mu thun gia cc ngun???
b/ Quan h gia UCP vi lut quc gia:
- M v Colombia:

- Trung Quc:
- Vit Nam v cc nc khc:

73

13. UCP V DN CHIU UCP VO L/C

7. Mi quc gia cn c vn bn php l b sung UCP?
UCP IU CHNH GIAO DCH L/C
(Thng l v Tp qun quc t)

Ngi
m

NHPH

Lut nc ngi m

NHTB

Ngi
hng

Lut nc ng. hng

13. UCP V DN CHIU UCP VO L/C

1. Giao dch L/C c iu chnh bi:

+ Thng l tp qun quc t.

+ Lut quc gia.
2. UCP c th b li dng la o lut quc gia...

3. Vn t ra:
a/ Mi nc cn c lut TTQT ring?
b/ Nng cp UCP thnh Cng c (Lut) quc t?

74

13. UCP V DN CHIU UCP VO L/C

75

8. S cn thit phi ra i ISBP:

a/ S cn thit:
b/ Quy tc p dng ISBP:
1/ ISBP khng sa i UCP m ch lm r "th no l
Tp qun NH tiu chun quc t" v cch p dng cc
iu khon khc ca UCP.
2/ ISBP l tp qun quc t p dng cho tt c cc bn.
3/ ISBP ch ra chi tit cch thc kim tra chng t.
4/ Cc v d ca ISBP ch mang tnh minh ha.
5/ Vic dn chiu ISBP vo L/C l khng c gi tr.

14. MT S LU
14.1. Cc t, thut ng hay gy tranh ci b:

+ Reasonable time.
+ Reasonable care.
+ Without delay.

76

77

14. MT S LU

14.2. V d v L/C thay i, b sung hoc hu b

qui
tc UCP600.
47A: Additional Conditions

a/ L/C sa i qui tc UCP600: "Documents must not be

dated earlier than the date of issue of this L/C".

b/ L/C loi b qui tc ca UCP600: "Sub-article 28(d) not

apply".

14. MT S LU KHI S DNG ucp 600

14.3. Ni dung bt buc v khng c php
(1) L/C phi qui nh: "Available with....by....."
+ Available with Issuing Bank by Negotiation?
+ Available with BFTVVNVX by Negotiation?
(2) Ni dung khng c php:
42C: Draft at...
+ sight drawn on the Applicant?
46A: Documents required:
+ Draft drawn on the Applicant?

78

14. MT S LU

79

(3) Sa i L/C:
"Unless the beneficiary rejects this amendment within 5
days after receiving of this amendment it will be deemed
to have been accepted".
Tnh hung:
46A: Documents required:
+ Airwaybill consigned to the Applicant.
BCT c li, NHPH t chi TT, Ngi hng yu cu
NHPH tr tin v Ngi m LC nhn hng? ./.

15. phn loi L/C

15.1. Cn c c im nghip v

a/ Phn theo loi hnh (Types):

1. Irrevocable L/C.
2. Revocable L/C.
b/ Phn theo phng thc s dng (Uses):
1. Irrevocable Straight L/C.
2. Irrevocable Negotiable L/C.
3. Irrevocable Unconfirmed L/C.
4. Irrevocable Confirmed L/C.

80

15. phn loi L/C

5. Revolving L/C.

6. Red Clause L/C.

7. Standby L/C.
8. Transferable L/C.

9. Back to Back L/C.

c/ Phn theo thi im thanh ton (payment):
1. Sight L/C.
2. Deferred and acceptance L/C.
3. Mixed L/C.

81

15. phn loi L/C

c/ Phn theo hnh thc thanh ton:
1. Sight L/C.
2. Negotiable L/C.
3. Acceptance L/C.
4. Deferred L/C.

d/ Phn theo phng thc hon tr:

1. Mail Reimbursement.
2. TTR Allowed.
3. TTR Not allowed./.

82

15. phn loi L/C

15.2. cc l/C c bn

1. Revocable L/C.
2. Irrevocable L/C.
3. Confirmed Irrevocable L/C.
15.3. cc l/C c bit

1. Transferable L/C.
2. Back to Back L/C.
3. Revolving L/C.
4. Standby L/C.
5. Reciprocal L/C.
6. Red Clause L/C.

83