UCP600下开证行拒付通知的有效性标准探讨

A Discussion on the Valid Standard of Refusal Notice under UCP600

开证行的拒付权本质上是一种付款抗辩,拒付通知是这种抗辩权的要式表达。UCP600规定拒付通知的内容应包含表明银行拒绝承付或议付、列明银行拒付所依据的每一个不符点及选择一个单据的处理方案等三项内容。开证行的拒付通知是否包含这三项内容及其对三项内容的表述是否为可以接受的拒付通知的形式关系到拒付通知的有效与否。UCP600促进国际贸易的宗旨以及ICC的意见均表明拒付通知的内容应是明确的。开证行在发出拒付通知时,其声明的各项内容应尽量具体、明确,其拒付的意思表示以及不符点声明均应能使拒付通知接收方得以受领。

The refusal right of issuing bank is essentially a kind of payment defense, and the refusal notice is the formal expression of this right. The content of refusal notice provided in the UCP600 contains three parts, namely the notice must state that the bank is refusing to honour or negotiate, and discrepancy in respect of which the bank refuses to honour or negotiate, and a method to deal with the documents. The validity of the refusal notice is judged by the three parts provided above and the expression. The expression of the notice must be definite from the requirement of purpose of enhancing international trade and the opinions of ICC. The statement of every term of notice by issuing bank must be concrete and explicit, and the refusal declaration of intention and discrepancy statement should be understood by the recipient of the refusal notice.