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(二)信用证条款应平衡买卖双方的权利义务
现行的UCP500号规定的信用证对于卖方的权益保护比较充分,而对于买方的保护则不够,主要是买方在开出信用证后,在卖方获得支付之前,无法了解货物的实际情况。有时即使是很快发现卖方欺诈,但已无力回天。这种权利义务的倾斜使得买方试图寻求有利于保护自己交易安全的措施,从而为信用证“软条款”的产生提供了动因。所以信用证制度和条款应该给予买方一个合理的机会,使其在付款之前知道货物的真实情况。如可以作如下设计:规定议付行在收到卖方提交的各种单据的同时,应将其复印件迅速地交给买方,使买方通过单据可以大致地了解卖方有没有欺诈;与此同时,应该赋予买方一定的权利,即只要买方提出异议(以书面的形式作出),银行就可以拒绝向卖方付款,但仅限于较短的时间内。如果在这段时间内买方未采取有效的司法救济措施的话,银行可以无条件放款,而且一旦买方指示错误,则应当承担相应的费用。这笔费用应按照一个固定的值,事先在信用证中加以约定,只要买方作出了指示,而且在规定的期限内未能证明其指示的正确性,便推定其指示错误,在信用证中的这一条款自动生效,由付款行一并支付给受益人。我们相信,通过信用证条款平衡买卖双方的权利义务,可以减少作为申请人的买方再以软条款来维护自己权益的现象。
(三)外贸公司在从事出口贸易时加强防范措施
外贸公司在从事出口贸易过程中应加强防范措施,提高业务人员的外贸专业知识和水平,尤其是信用证法律知识,并对业务中的以下几个关键问题特别重视:
第一,交易前必须选择好可靠的交易伙伴。
对于陌生的客户,一般应通过银行或有关机构进行资信调查,尤其在知道对方为中间商时,对其经济实力和履约情况更应着重了解。杨良宜先生曾指出:“以信用证付款的买方要非常小心,即拉丁文的Caveatemptor。买方必须指导他打交道的是谁”。在信用证软条款防不胜防的今天,这一告诫同样适用于卖方。实践证明,选择可靠的交易伙伴,是避免卖方被欺诈或陷于被动局面的最佳途径。
第二,必须重视国际贸易合同条款的拟订。由于信用证条款往往是根据国际贸易合同条款开出的,因此,合同条款,尤其是对有关信用证项下应提交之各项单据、对开证时间、有效期、开证行等均应规定得严密、无懈可击;最好对提交的提单、保险单、发票、检验证书、产地证书等在合同中明确加以规定。若能考虑到各类可能发生的情况,则出现信用证软条款的可能性也会相应减少。即使出现了与合同要求不符的信用证条款,受益人也可以合同为依据要求修改。如果开证申请人拒绝修改,也容易引起卖方的注意。反之,如果合同本身就不明确,出现了信用证软条款时就无法有理有据地要求修改,甚至还可能被开证申请人指责为拒不履行合同。
第三,在收到信用证后及时审查。一旦发现软条款,应立即要求开证申请人修改,同时规定开证申请人修改或提出其他保证的最后期限,并说明由此引起的时间延误应通过开证申请人延长信用证有效期加以弥补。在开证申请人经再三请求仍拒不修改时,受益人可以声明中止合同履行,要求开证申请人提供有效的担保,并保留因开证申请人违反合同规定条件开来信用证所造成损失的索赔权利。
第四,建立一套行之有效的识别标准。防范信用证软条款的关键在于建立一套行之有效的识别标准,用来检验信用证中是否含有软条款、软条款属于哪种类型、对受益人有什么程度的影响,以此决定采取何种相应的保护措施。通常情况下,可以出口贸易的流转程序为基础,将识别信用证软条款的切入点分为信用证生效环节、货物检验环节、货物装船环节以及货物验收环节等几大类。对信用证软条款的处理是以预防为主,并时刻注意运用合同与相关法律的规定保护自己的合法权益。在未对信用证软条款作出符合受益人利益的有效处理之前,受益人不宜急于准备发运货物,以免造成更大损失。

解答:

(B) letter of credit terms should balance the rights and obligations of buyers and sellers
UCP500, the existing provisions of the letters of credit for the seller to protect the rights and interests of relatively full, and for the protection of the buyer was not enough, is the main buyer in the opening of letters of credit, the seller was paid before the goods can not understand the actual situation. Sometimes even if the seller is soon found fraud, but has been unable to return to days. Such rights and obligations of the tilt buyer makes an attempt to seek to protect their own security measures transactions, letters of credit for the "soft terms" have provided a cause. Therefore, the letter of credit system should be given to the buyer and terms of a reasonable opportunity to know before payment of goods in the real situation. If design can be as follows: provisions negotiation firms received the variety of documents submitted to the seller at the same time, it should be quickly handed over to a copy of the buyer, the buyer can be broadly through the documentation to understand the seller has no fraud at the same time, The buyer must be given the right, that is, as long as the buyer's objection (in the form of written), the banks may refuse payment to the seller, but only in a short period of time. During this time if the buyer fails to take effective judicial relief measures, bank lenders can be unconditional, and once the buyer's instructions error, should bear the cost. The fee shall be in accordance with a fixed value, prior to the letter of credit in the agreement, as long as the buyer has made instructions, and within a specified time period failed to prove the correctness of his instructions, they create a presumption that its wrong instructions, in letters of credit in This provision automatically take effect by the payment will be paid to the beneficiaries. We believe, through letters of credit provisions balance the rights and obligations of buyers and sellers, as the applicant can be reduced further to the buyer's soft terms to protect their own rights and interests of the phenomenon.
(C) foreign trade companies engaged in export trade, strengthening preventive measures
Foreign trade companies engaged in export trade should be strengthened in the course of preventive measures to enhance the operational expertise and level of foreign trade, especially the letters of credit of legal knowledge and business in the following key issues of particular importance:
First, before the transaction must choose the good and reliable trading partner.
For the unfamiliar customers, should generally be through a bank or credit information relevant bodies, particularly in the know each other as middlemen, their economic strength and performance should focus on understanding. Mr. Yang Liangyi indicated: "LC payment buyer carefully to that Latin Caveatemptor. Buyer must dealing guide his Who." Letters of credit in terms of soft Fangbushengfang today, this warning also applies to the seller. Practice has proved that the choice of a reliable trading partner, is to avoid fraud or the seller was in a passive situation in the best way.
Second, we must pay attention to international trade development of the terms of the contract. As letters of credit under the terms of international trade is often open to the terms of the contract, therefore, the terms of the contract, especially on the letters of credit under the documents should be submitted, permit time off, period, issuing firms, and so should be provided in the Tight, impeccable; best for the submission of bills of lading, insurance policies, invoices, inspection certificate, origin certification, in the clear provisions in the contract. If taking into account the various possible scenarios, a soft terms of the possibility of letters of credit will be reduced accordingly. Even if a request does not match the contract and letter of credit terms, the beneficiary can also be based on the request to amend the contract. If the applicant refused to amend a permit, can easily cause the seller's attention. Conversely, if the contract itself is not clear, a letter of credit on soft terms can not be justified to seek to amend, or even issuing an applicant can also be blamed for refusing to perform the contract.
Third, after the receipt of letters of credit timely review. Once a soft terms, should immediately request an applicant to amend permit, provided the applicant a permit to modify or other guarantee that the final deadline and that the resulting time delay should be extended through open letters of credit card applicants to fill valid. In issuing the repeated request of the applicant still refuses to modify, suspend beneficiaries may declare the contract to request an applicant to provide an effective certificate of security, and reserves due to a breach of contract provisions permit the applicant to open letters of credit conditions caused by the loss The right to claim.
Fourth, the establishment of a well-established identification standards. Letters of credit provisions of the Prevention of soft key lies in the establishment of a well-established identification standards used to test the letter of credit in the presence of soft terms, the type of soft terms, the beneficiaries have what extent the impact of this decision to take Ho Of the appropriate protective measures. Under normal circumstances, you can export procedures for the circulation of the basis of letters of credit will identify entry points into the soft terms of the entry into force of the letter of credit links, cargo inspection areas, cargo shipping links and cargo inspection areas, such as several major categories. On soft terms of the letter of credit is on prevention, treatment and time to pay attention to using the contract with the provisions of relevant laws to protect their legitimate rights and interests. Letters of credit in the absence of soft terms with the interests of the beneficiaries of effective treatment, the beneficiary should not be eager to prepare for goods shipped to avoid greater losses.