제4장 - 결제방법 및 신용장

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신용장 통일 규칙(UCP)
(1) 신용장 통일규칙이란 무엇인가
신용장 통일규칙(Uniform Customs and Practice for Documentary Credits : UCP)은 신용장업무 취급시 준수사항 및 해석기준에 관한 국제적인 통일규칙으로서 국제상업회의소(ICC)가 1933년에 제정하여 2007년에 이르기까지 6차에 걸쳐서 개정되었는데 지금 현재 사용되고 있는 것은 제6차 신용장 통일규칙(UCP Publication No. 600, 2007. 7. 1부터 시행)으로서 전문 39조로 되어 있다.
(2) 신용장 통일규칙의 적용
신용장 통일규칙은 강제적인 법률효력이 없으므로 거래당사자가 이를 적용하기로 사전에 합의한 경우에 한해서만 그 효력이 발생하여 신용장거래에 적용된다. 따라서 거래당사자가 신용장 통일규칙 중 일부를 배제하거나 통일규칙과 다른 내용을 신용장상에 특약으로 규정하는 경우에는 그러한 내용이 신용장 통일규칙보다도 우선 적용된다. 그리고 해당국의 강행법규가 서로 다른 경우에는 해당국의 강행법규가 우선 적용된다.

결국 우선순위는 아래와 같이 요약된다.

1. 해당국의 강행법규 ―― 2. 당사자간의 특약 ―― 3. 신용장통일규칙

Opening Bank : Bank of China Chingdao Branch

Form of Doc. Credit*40 A : IRREVOCABLE

Doc. Credit Number*20 : LC51K800166

Date of Issue31 C : 140819

Expiry*31 D : Date 141015 Place KOREA

Applicant*50 : SHANDONG LI-NING SHOE-MAKING
CO., LTD. 248 MEISHAN RD, JUNAN, SHAN DONG. CHINA

Beneficiary *59 : MI SUNG INDUSTRIAL CO., LTD RM503/
505 PLAZA HOTEL BLDG, 1213-14
CHORYANG DONG DONG-KU, BUSAN KOREA

Amount *32 : Currency USD Amount 290, 988.00

Available with/by*41 D : ANY BANK BY ACCEPTANCE

Drafts at...42 C : AT 90 DAYS AFTER SIGHT FOR 100 PCT OF THE INVOICE VALUE

Drawee 42 D : SHANDONG BRANCH

Partial Shipments 43 P : ALLOWED

Transshipment 43 T : NOT ALLOWED

Loading in Charge44 A : BUSAN KOREA

For Transport to...44 B : QINGDAO PORT CHINA

Latest Date of Ship. 44 C : 140930

Descript. of Goods45 A : RAW MATERIAL FOR SPORTS SHOES
QUANTITY : 42,480 PRS UNIT PRICE : USD6.85
ORIGIN : KOREA
TOTAL AMOUNT : USD290 ,988.00 CIF QINGDAO CHINA
PACKING : EXPORT STAN DARD PACKING

Documents required46 A : 1.SIGNED COMMERCIAL INVOICE IN 3 COPIES, INDICATING L/C NO. ANDCONTRACT NO 2.FULL SET OF CLEAN ON BOARD OCEAN BILIS OF LADING MADE OUT TO ORDER AND BLANK ENDORSED MARKED FREIGHT PREPAID NOTIFYING APPLICANT. 3.2 COPYS INSURANCE POLICY/CERTIFICATE FOR 110 PCT OF THE INVOICE VALUE SHOWING CLAIMS PAYABLE IN CHINA IN CURRENCY OF THE DRAFT, BLANK ENDORSED, COVERING OCEAN MARINE TRANSPORTATION ALL RISKS AND WAR RISKS. 4.PACKING LIST/WEIGHT MEMO IN 3 ORIGINALS INDICATING QUANTITY/GROSS AND NET WEIGHTS OF EACH PACKAGE AND PACKING CONDITIONS AS CALLED FOR BY THE L/C. 5.BENEFICIARY’S CERTIFIED COPY OF FAX/TELEX DISPATCHED TO APPLICANT WITHIN 24 HOURS AFTER SHIPMENT ADVISING NAME OF VESSEL, DATE, QUANTITY, WEIGHT AND VALUE OF SHIPMENT.

Additional Cond.47 A : 1.A DISCREPANCY FEE OF USD54,00 WILL BE DEDUCTED FROM THE PROCEEDS IF DOCUMENTS ARE PRESENTED WITH DISCREPANCY(IES).

Details of Charges71 B : 1.ALL BANKING CHARGES OUTSIDE THE OPENING BANK ARE FOR BENEFICIARY’S ACCOUNT.

Presentation Period 48 : DOCUMENTS MUST BE PRESENTED FOR NEGOTIATION WITHIN 10 DAYS AFTER BILL OF LADING DATE, BUT WITHIN THE VALIDITY OF THIS L/C

Confirmation *49 : WITHOUT

Instructions 78 : 1.ALL DOCUMENTS ARE TO BE FORWARDED TO BANK OF CHINA, LINYI BRANCH NO. 398 YINMENG ROAD LINYI SHANDONG CHINA IN ONE LOT BY 1ST AVAILABLE AIRMAIL. 2.UPON RECEIPT OF ALL DOCUMENTS IN ORDER, WE WILL DULY HONOUR/ACCEPT THE DRAFTS AND EFFECT THE PAYMENT AS INSTRUCTED AT MATURITY.

Send. to Rec. Info. 72 : THIS LC IS SUBJECT TO UCP 2007 ICC PUB. NO. 600