《国内信用证结算办法》的特征及风险防控分析

The Characteristics of the “Law for Settlement of Domestic Letter of Credit” and Analysis of Risk Prevention and Control

《国内信用证结算办法》的颁布为银行金融业务的发展提供了新的机遇,也带来了新的挑战。在分析其顺应经济发展需求,放宽开证主体、使用主体及适用范围;遵从市场机制,赋予银行开展业务更大的自主权和自由度;提高信用证的灵活性,允许转让及加具保兑,突出信用证独立性原则,赋予银行在发现不符点后的付款选择权等特征的基础上,针对新版办法下国内信用证业务风险防控的重点进行剖析:对贸易背景真实性的把握,谨慎处理议付业务,重视职业道德风险管理,以期国内信用证业务的健康发展。

The promulgation of Measures for Settlement by Domestic Letter of Credit has provided new opportunities and brought new challenges for the development of bank financial business. Based on the analysis of its characteristics ： compliance with economic development needs, relax the issuing entity, the main body of use and the scope of application;adhere to the market mechanism and give banks more autonomy and freedom to carry out their business; improve the flexibility of letters of credit, allowing the transfer and add a confirmation; highlight the principle of credit independence, giving hanks payment options after finding discrepancies, the paper analyzes the key points of risk prevention and control of the domestic letter of credit business under the new version.