holder），受我国法律保护，拥有对欺诈的豁免权
（B）协助申请人取证，向当地法院申请止付令保护客户利益 （C）以B银行擅自提前买入票据为由到期拒绝偿付B银行
（D）接到当地法院发出的止付令后，应向法院说明B银行作为承兑行的行为恰当，申请撤销止付令
（E）以未提交汇票为由拒付
（F）向申请人解释开证行对指定行的责任独立于对受益人的责任，因此，受益人涉嫌欺诈不影响指定行获得偿付的权利
Bank A in China issues a L/C available with Bank B by acceptance, marked with tenor: 90 days after sight, field 42A drawee: Bank B (located in another country).
Upon receipt of complying presentation from the beneficiary, Bank B makes acceptance on the draft and return it to the beneficiary for his file and re-presentation. Then Bank B dispatches the whole set of documents except the draft to Bank A, indicating the word “ accepted” and maturity date on his covering letter.
Before the documents reaches Bank A, the applicant informs Bank A that goods shipped is quite not in compliance with that stipulated in the relative contract, and he is approaching the local court for injunction.
Before the documents reach Bank A as above mentioned, at request of the beneficiary, Bank B purchase the bill which has been accepted by himself by prepayment, and advises Bank A of this matter.
When or after the documents reach Bank A from Bank B, the correct measures Bank A should take are__________
(A) telling the applicant: action of Bank B, as a bona fide holder, is complied with UCP 600. Bank B should be protected by the law of our country with immunity from the fraud
(B) associating the applicant on testimony for applying to the local court for injunction, in order to protect the customer?s benefit.
(C) refusing to reimburse Bank B on the due date because Bank B has discounted the bill without obtaining prior approval from Bank A even without advising Bank A in advance.
(D) stating that Bank B, as an accepting bank, acts appropriately, and applying for the withdrawal of injunction once upon receipt of the injunction from the local court. (E) refusing to honour due to the reason that Bank B fails to present the draft
(F) explaining to the applicant: the fact that the beneficiary is suspected of fraud should not have influence on the right the nominated bank has for the reimbursement, because an issuing bank?s undertaking to reimbursement a nominated bank is independent of the issuing bank?s undertaking to the beneficiary. 答案 ADF
主要参见第7条、第12条。需结合最高法院司法解释第10条。注意UCP对于指定行正当融资的保护精神。此题对于普通经办人员确有一定难度，但鉴于国内外法院止付令频发，我们还是希望借此机会让大家有所了解，同时对以他行作为指定行的信用证有所戒备。
三、判断题：（55-64题，每题2分。请根据UCP600作判断，认为该题陈述正确的请写T，错误的请写F） 55、若限制保兑行议付的信用证项下相符单据提交给保兑行，保兑行按受益人要求进行的议付无追索权。
Provided that the complying presentation made to a confirming bank under a L/C available with the confirming bank by negotiation, the confirming bank has to negotiate without recourse at the request of the beneficiary for negotiation. （T）
参见第8条a-ii款。
56、A银行开立一份指定B银行作付款行的即期付款信用证，并要求B银行加具保兑。B银行在将信用证通知给受益人时明确表示“加具保兑”。受益人将相符单据直接提交给开证行，但遭到开证行无理拒付并退单，此时受益人又将单据交给保兑行，但已过信用证有效期。此时保兑行必须承付。
Bank A issues a L/C which is available with Bank B by payment and require the Bank B to add confirmation. Bank B notices the beneficiary that he has added confirmation on this L/C when advising the L/C. Beneficiary presents the complying documents directly to Bank A but the documents are refused and returned by Bank A due to the discrepancy which is not valid. After receiving the returned documents, the beneficiary presents the documents to Bank B after the L/C expire. Bank B has to honour the presentation. （F）
参见第8条a款，保兑行对提交给它的相符交单承担责任。此种情况下，当单据提交给保兑行时，已构成不符，因此，保兑行无需承付。由此可见正确寄单的重要性 57、如果偿付行未按信用证条款见索即偿，偿付行将承担利息损失以及产生的任何其他费用。
A reimbursing bank will be responsible for any loss of interest, together with any expenses incurred, if reimbursement is not provided on first demand by a reimbursing bank in accordance with the terms and conditions of the credit. （F）
参见第13条。 58、信用证或其修改可规定向受益人的通知以通知行或第二通知行收到其费用为条件。国际商会对这种作法表示鼓励。
A credit or amendment may stipulate that the advising to a beneficiary is conditional upon the receipt by the advising bank or second advising bank of its charges. Such action has been encouraged by ICC. （F）
参见第37条c款。
59、信用证规定3/3正本提单及一份发票需在发货后3天内由受益人直接寄送申
请人，信用证下提交快邮收据及一份副本提单。受益人的交单中包含一份正本提单及快邮收据，按照UCP600第17条d款，不存在不符点。
L/C requires 3/3 originals of B/L should be sent along with 1 original of invoice directly to applicant by the beneficiary within 3 days after shipment date. The courier receipt and 1 copy of B/L should be presented under the L/C. The presented documents include 1/3 original of B/L and a courier receipt. According the article 17-d of UCP600, it is not discrepant. （F）
此情形适用ISBP（681号）第31款，存在不符点。 60、信用证要求提交快邮收据注明运费已付，但是交来的邮据显示运费由收货人以外的一方支付，构成不符。
L/C requires to present a courier which should indicate ?freight prepaid?. The presented courier receipt showing that the courier charges are for the account of xyz co.(not the consignee nor applicant). It is discrepant. （F）
参见第25条b款。
61、信用证要求投保一切险。保单注明投保一切险，但是除外条款显示将“伦敦保险放射性污染、化学、生化及电磁武器条款”险种排除。此单据存在不符。 L/C requires the insurance documents to cover ?all risks?. The presented insurance policy states it covers ?all risks? while bears the following clause: ?Institute
Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons Exclusion Clause?. This documents is discrepant. （F）
参见第28条I款。UCP600新增加的规定。 62、规定在指定银行兑用的信用证同时也可在开证行兑用；除规定的交单地点外，开证行所在地也是交单地点。
A credit available with a nominated bank is also available with the issuing bank. A place for presentation other than that of the issuing bank is in addition to the place of the issuing bank. （T）
参见第6条a款。UCP600对此问题作了更为明确的规定。
63、A银行作为议付行向开证行B银行提交了一套议付单据，B银行审单后，于合理工作日内向A银行发报确认，“我行将于下一工作日付款，并退还信用证未要求的单据一套，同时在付款中扣除我行电报费XXX、退单邮费XXX，??”。B银行的做法是正确的。
As the negotiation bank, bank A presented a set of documents to the issuing bank——bank B. After checking the documens, Bank B informed Bank A by a tested SWIFT, confirming that ?We shall effect payment at the following banking day and return your good bank the document that L/C not required by courier after deduction of our tlx charges USDxxx and courier charges USDxxx ……?.
What Bank B has done is right. （T）
参见第14条g款，开证行可将信用证未要求的单据退回交单人。
64、在第一受益人有要求时，转让行可以对原信用证做出超出UCP600第38条g款许可范围意外的改动。
Upon the special request of 1st beneficiary, the transferring bank can amend the terms of transferable (original) L/C beyond the permission of Art 38-g of UCP600. （F）
参见第38条g款。由于第38条I款的规定使得第二受益人的单据可能被直接提交给开证行，因此，超出UCP600允许范围的改动将给转让行带来额外的风险。
附加题 （20分）
请根据下述信息作答。答对一题得3分，答错一题扣2分，不作答该题不记分；此题总得分最低为0。全部答对得20分。 此题为附加题，可不予作答。
某通过SWIFT MT700电文开立的信用证部分内容如下，此证声明依据UCP600： ...
31D 070922 LONDON, UK 32B USD1680000,00
39A 10/10 ...
41A:AVAILABLE WITH BANK OF CHINA LONDON BRANCH BY NEGOTIATION ...
43P NOT ALLOWED 43T NOT ALLOWED
44E ANY EUROPEAN PORT(S) 44F ANY CHINESE PORT 44C 070901 ... 45A
10000 TONS OF STEEL PLATE(+/-10PCT) UNIT PRICE:USD168.00/TON
PRICE TERM:CIF ANY CHINESE PORT . 46A ...
FULL SET (3/3) OF BILL OF LADING MADE OUT TO ORDER AND BLANK ENDORSED MARKED \PER CHARTER PARTY\