UCP 600信用证保兑的认定

Identifying Confi rming Letter of Credit in UCP 600

保兑信用证有助于受益人获得双重付款保障。认定是否存在UCP 600下的保兑信用证时,应满足3项要件:开证行明确保兑授权、保兑行同意保兑以及保兑行保兑时没有附加有损信用证独立性与不可撤销性的条件。如缺乏开证行明确保兑授权,保兑行的保兑为沉默保兑。保兑行同意保兑的方式应为书面形式。被授权保兑行拒绝保兑且怠于通知开证行的,受益人不得仅凭此主张被授权保兑行对受益人承担了保兑义务。保兑行在保兑信用证后拒绝将其保兑扩展至信用证修改的,必须明确通知受益人,否则视为保兑扩展至信用证修改。保兑行在保兑时可附加条件要求受益人支付保兑费用,可增加或修改开证行所开立的信用证单据要求,对信用证的金额、期限做出限定甚至明确要求受益人将单据交至保兑行为其承担承付或议付责任的前提。

The confirming letter of credit may offer the beneficiary double safeguard on payment of price.Three prerequisites shall be met when deciding whether there is confirming letter of credit under UCP 600,namely,the explicit authorization of the issuing bank,agreement to confirm by the confirming bank,and no precedent conditions which may endanger the independence and irrevocability of letter of credit.If there is no explicit authorization from the issuing bank,the confirmation by the confirming bank is so called silent confirmation.The agreement to confirm by the confirming bank shall be in writing.In case the bank authorized to confirm refuses to add its confirmation but fails to notify the issuing bank,the beneficiary shall not hold the bank authorized to confirm liable for the confirmation obligations.After adding its confirmation,if the confirming bank refuses to extend its confirmation to the amendment of the letter of credit,it shall notify the beneficiary in its advice.Otherwise,the confirmation shall be deemed to have been extended to the amendment.The confirming bank may add precedent conditions when adding its confirmation to the letter of credit.However,such precedent conditions shall not endanger the independence and irrevocability of letter of credit.