对银行处理信用证单据的法律探析

Analysis on Bank's Dealing with L/C Documents from the Angle of Law

在信用证业务中,银行处理的是单据而不是货物本身,银行处理单据的合法与否事关重大。根据相关国际惯例和各国法律实践,着重分析银行在审单中的独立性原则、银行审单的标准及发现不符单据后的有效拒付问题,以期对银行的实际操作有所借鉴。

In letter of credit operations, banks deal with documents instead of goods. Thus, whether banks deal with the documents legally or not carries a big weight. This paper emphatically analyzes the banks＇ independence principle and the standards in examining documents in accordance with related international practice and specific legal practice. It also focuses on the discussion of valid dishonor for documents not complying with the terms and conditions of the credit. Through these efforts, the author expects to provide a salutary lesson for bank＇s practical operations.