大数据赋能:信用证信用危机的法制应对——兼评ICC电子信用证系列规则

Big data empowering: the judicial solution to the credit crisis of L/C

“数据孤岛”时代信用证项下欺诈的盛行、软条款的植入、银行的不当拒付等问题频频引发信用危机。“被干扰的银行信用”充分暴露了信用证固有的制度缺陷,直接导致信用证结算在国际贸易结算市场的占有率骤降。然而国内贸易金融的快速发展和“一带一路”的战略引导使得我国的信用证业务量仍居世界前列。国际商会(ICC)以大数据、人工智能技术发展为契机,对电子信用证类结算规则进行了密集的意见征集和修订,以填补信用的制度缺陷、应对信用危机。对《跟单信用证统一惯例关于电子交单的附则(EUCP2.0)》的适用,可以弥补当前我国电子信用证领域的立法空白。eUCP2.0的规则制定理念对我国贸易融资领域的统一立法有深刻启迪。

The credit crisis of documentary credits caused by documentary credits fraud and high rejection rate of documents leads to a sharp decline of L/C as a recognized means of settlement in international trade.ICC has made many amendments to Electric L/C Rules to solve the credit crisis.The application of eUCP2.0 sets an example for the law-making on L/C in China.