信用证软条款危害及其风险防范研究

Research on the Harm and Risk Prevention of Soft Terms in Letter of Credit

信用证软条款是信用证中具有信用证生效附加条件的条款,或者要求受益人提供一些不可得到的单据,最终导致受益人无法结汇,使之造成巨大损失的条款。为了消除软条款对国际贸易造成的危害,相关利益方面应积极采取预防措施。选择信用证结算方式的出口商要尽可能地维护自己的切身利益,银行作为专业的单据审核方也要从各个方面识别和预防信用证软条款的出现,国际商会应从外部机制和制度上对信用证相关条款加以补充和修订,消除信用证软条款的危害,维护信用证在国际贸易结算中的地位。

The soft clause of L/C is a clause with additional conditions for the validity of L/C,or requiring the beneficiary to provide some unavailable documents,which ultimately leads to the failure of the beneficiary to settle the foreign exchange and causes huge losses. In order to eliminate the harm of soft clauses to international trade,relevant parties should take preventive measures actively. The exporter who chooses the settlement method of L/C should safeguard his vital interests as far as possible. As a professional document examiner,banks should also identify and prevent the emergence of soft clauses of L/C from various aspects. The International Chamber of Commerce should supplement and amend the relevant clauses of L/C from external mechanism and system,eliminate the harm of soft clauses of L/C,and maintain the position of L/C in international trade settlement.