《跟單信用證統一慣例（UCP600）》
Article 1 Application of UCP
第一條 統一慣例的適用範圍
The Uniform Customs and Practice for Documentary Credits, 2007
Revision, ICC Publication no. 600 (“UCP”) are rules that apply to any
documentary credit (“credit”) (including, to the extent to which they may
be applicable, any standby letter of credit) when the text of the credit
expressly indicates that it is subject to these rules. They are binding on all
parties thereto unless expressly modified or excluded by the credit.
跟單信用證統一慣例，2007 年修訂本，國際商會第 600 號出版物，
適用于所有在正文中標明按本慣例辦理的跟單信用證（包括本慣例適
用範圍內的備用信用證）。除非信用證中另有規定，本慣例對一切有
關當事人均具有約束力。
Article 2 Definitions
第二條 定義
For the purpose of these rules:
就本慣例而言：
Advising bank means the bank that advises the credit at the request of the
issuing bank.
通知行意指應開證行要求通知信用證的銀行。
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Applicant means the party on whose request the credit is issued.
申請人意指發出開立信用證申請的一方。
Banking day means a day on which a bank is regularly open at the place
at which an act subject to these rules is to be performed.
銀行日意指銀行在其營業地正常營業，按照本慣例行事的行為得以在
銀行履行的日子。
Beneficiary means the party in whose favour a credit is issued.
受益人意指信用證中受益的一方。
Complying presentation means a presentation that is in accordance with
the terms and conditions of the credit, the applicable provisions of these
rules and international standard banking practice.
相符提示意指與信用證中的條款及條件、本慣例中所適用的規定及國
際標準銀行實務相一致的提示。
Confirmation means a definite undertaking of the confirming bank, in
addition to that of the issuing bank, to honour or negotiate a complying
presentation.
保兌意指保兌行在開證行之外對於相符提示做出兌付或議付的確定
承諾。
Confirming bank means the bank that adds its confirmation to a credit
upon the issuing bank’s authorization or request.
保兌行意指應開證行的授權或請求對信用證加具保兌的銀行。
Credit means any arrangement, however named or described, that is
irrevocable and thereby constitutes a definite undertaking of the issuing
bank to honour a complying presentation.
信用證意指一項約定，無論其如何命名或描述，該約定不可撤銷並因
此構成開證行對於相符提示予以兌付的確定承諾。
Honour means:
a. to pay at sight if the credit is available by sight payment.
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b. to incur a deferred payment undertaking and pay at maturity if the
credit is available by deferred payment.
c. to accept a bill of exchange (“draft”) drawn by the beneficiary and pay
at maturity if the credit is available by acceptance.
兌付意指：
a. 對於即期付款信用證即期付款。
b. 對於延期付款信用證發出延期付款承諾並到期付款。
c. 對於承兌信用證承兌由受益人出具的匯票並到期付款。
Issuing bank means the bank that issues a credit at the request of an
applicant or on its own behalf.
開證行意指應申請人要求或代表其自身開立信用證的銀行。
Negotiation means the purchase by the nominated bank of drafts (drawn
on a bank other than the nominated bank) and/or documents under a
complying presentation, by advancing or agreeing to advance funds to the
beneficiary on or before the banking day on which reimbursement is due
to(to be paid the nominated bank.
議付意指被指定銀行在其應獲得償付的銀行日或在此之前，通過向受
益人預付或者同意向受益人預付款項的方式購買相符提示項下的匯
票（匯票付款人為被指定銀行以外的銀行）及/或單據。
Nominated bank means the bank with which the credit is available or any
bank in the case of a credit available with any bank.
被指定銀行意指有權使用信用證的銀行，對於可供任何銀行使用的信
用證而言，任何銀行均為被指定銀行。
Presentation means either the delivery of documents under a credit to the
issuing bank or nominated bank or the documents so delivered.
提示意指信用證項下單據被提交至開證行或被指定銀行，抑或按此方
式提交的單據。
Presenter means a beneficiary, bank or other party that makes a
presentation.
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提示人意指做出提示的受益人、銀行或其他一方。
Article 3 Interpretations
第三條 釋義
For the purpose of these rules:
就本慣例而言：
Where applicable, words in the singular include the plural and in the
plural include the singular.
在適用的條款中，辭彙的單複數同義。
A credit is irrevocable even if there is no indication to that effect.
信用證是不可撤銷的，即使信用證中對此未作指示也是如此。
A document may be signed by handwriting, facsimile signature,
perforated signature, stamp, symbol or any other mechanical or electronic
method of authentication.
單據可以通過手簽、簽樣印製、穿孔簽字、蓋章、符號表示的方式簽
署，也可以通過其他任何機械或電子證實的方法簽署。
A requirement for a document to be legalized, visaed, certified or similar
will be satisfied by any signature, mark, stamp or label on the document
which appears to satisfy that requirement.
當信用證含有要求使單據合法、簽證、證實或對單據有類似要求的條
件時，這些條件可由在單據上簽字、標注、蓋章或標籤來滿足，只要
單據表面已滿足上述條件即可。
Branches of a bank in different countries are considered to be separate
banks.
一家銀行在不同國家設立的分支機搆均視為另一家銀行。
Terms such as "first class", "well known", "qualified", "independent",
"official", "competent" or "local" used to describe the issuer of a
document allow any issuer except the beneficiary to issue that document.
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諸如"第一流"、"著名"、"合格"、"獨立"、"正式"、"有資格"、"當地"
等用語用於描述單據出單人的身份時，單據的出單人可以是除受益人
以外的任何人 。
Unless required to be used in a document, words such as "prompt",
"immediately" or "as soon as possible" will be disregarded.
除非確需在單據中使用，銀行對諸如"迅速"、"立即"、"儘快"之類詞
語將不予置理。
The expression "on or about" or similar will be interpreted as a stipulation
that an event is to occur during a period of five calendar days before until
five calendar days after the specified date, both start and end dates
included.
"于或約於"或類似措辭將被理解為一項約定，按此約定，某項事件將
在所述日期前後各五天內發生，起迄日均包括在內。
The words "to", "until", "till", “from” and “between” when used to
determine a period of shipment include the date or dates mentioned, and
the words “before” and "after" exclude the date mentioned.
詞語"×月×日止"（to）、"至×月×日"（until）、"直至×月×日"(till) 、
"從×月×日"(from) 及“在 X 月 X 日至 X 月 X 日之間”(between) 用於確
定裝運期限時，包括所述日期。詞語“X 月 X 日之前”(before) 及“X 月
X 日之後”(after) 不包括所述日期。
The words “from” and "after" when used to determine a maturity date
exclude the date mentioned.
詞語“從 X 月 X 日”（from）以及“X 月 X 日之後”(after) 用於確定到期
日時不包括所述日期。
The terms "first half" and "second half" of a month shall be construed
respectively as the 1st to the 15th and the 16th to the last day of the
month, all dates inclusive.
術語"上半月"和"下半月"應分別理解為自每月"1 日至 15 日"和"16 日
至月末最後一天"，包括起迄日期。
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The terms "beginning", "middle" and "end" of a month shall be construed
respectively as the 1st to the 10th, the 11th to the 20th and the 21st to the
last day of the month, all dates inclusive.
術語"月初"、"月中"和"月末"應分別理解為每月 1 日至 10 日、11 日
至 20 日和 21 日至月末最後一天，包括起迄日期。
Article 4 Credits v. Contracts
第四條 信用證與合同
a. A credit by its nature is a separate transaction from the sale or other
contract on which it may be based. Banks are in no way concerned with
or bound by such contract, even if any reference whatsoever to it is
included in the credit. Consequently, the undertaking of a bank to honour,
to negotiate or to fulfil any other obligation under the credit is not subject
to claims or defences by the applicant resulting from its relationships with
the issuing bank or the beneficiary.
A beneficiary can in no case avail itself of the contractual relationships
existing between banks or between the applicant and the issuing bank.
a. 就性質而言，信用證與可能作為其依據的銷售合同或其他合同，
是相互獨立的交易。即使信用證中提及該合同，銀行亦與該合同完全
無關，且不受其約束。因此，一家銀行作出兌付、議付或履行信用證
項下其他義務的承諾，並不受申請人與開證行之間或與受益人之間在
已有關係下產生的索償或抗辯的制約。
受益人在任何情況下，不得利用銀行之間或申請人與開證行之間的契
約關係。
b. An issuing bank should discourage any attempt by the applicant to
include, as an integral part of the credit, copies of the underlying contract,
proforma invoice and the like.
b. 開證行應勸阻申請人將基礎合同、形式發票或其他類似檔的副本
作為信用證整體組成部分的作法。
Article 5 Documents v. Goods, Services or Performance
第五條 單據與貨物／服務／行為
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Banks deal with documents and not with goods, services or performance
to which the documents may relate .
銀行處理的是單據，而不是單據所涉及的貨物、服務或其他行為。
Article 6 Availability, Expiry Date and Place for Presentation
第六條 有效性、有效期限及提示地點
a. A credit must state the bank with which it is available or whether it is
available with any bank. A credit available with a nominated bank is also
available with the issuing bank.
a. 信用證必須規定可以有效使用信用證的銀行，或者信用證是否對
任何銀行均為有效。對於被指定銀行有效的信用證同樣也對開證行有
效。
b. A credit must state whether it is available by sight payment, deferred
payment, acceptance or negotiation.
b. 信用證必須規定它是否適用於即期付款、延期付款、承兌抑或議
付。
c. A credit must not be issued available by a draft drawn on the applicant.
c.不得開立包含有以申請人為匯票付款人條款的信用證。
d. i. A credit must state an expiry date for presentation. An expiry date
stated for honour or negotiation will be deemed to be an expiry date for
presentation.
d. i 信用證必須規定提示單據的有效期限。規定的用於兌付或者議付
的有效期限將被認為是提示單據的有效期限。
ii. The place of the bank with which the credit is available is the place for
presentation. The place for presentation under a credit available with any
bank is that of any bank. A place for presentation other than that of the
issuing bank is in addition to the place of the issuing bank.
ii. 可以有效使用信用證的銀行所在的地點是提示單據的地點。對任
何銀行均為有效的信用證項下單據提示的地點是任何銀行所在的地
點。不同於開證行地點的提示單據的地點是開證行地點之外提交單據
的地點。
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e. Except as provided in sub-article 29 (a), a presentation by or on behalf
of the beneficiary must be made on or before the expiry date.
e. 除非如 29(a)中規定，由受益人或代表受益人提示的單據必須在到
期日當日或在此之前提交。
Article 7 Issuing Bank Undertaking
第七條 開證行的承諾
a. Provided that the stipulated documents are presented to the nominated
bank or to the issuing bank and that they constitute a complying
presentation, the issuing bank must honour if the credit is available by:
倘若規定的單據被提交至被指定銀行或開證行並構成相符提示，開證
行必須按下述信用證所適用的情形予以兌付：
i. sight payment, deferred payment or acceptance with the issuing bank;
i. 由開證行即期付款、延期付款或者承兌；
ii. sight payment with a nominated bank and that nominated bank does
not pay;
ii. 由被指定銀行即期付款而該被指定銀行未予付款；
iii. deferred payment with a nominated bank and that nominated bank
does not incur its deferred payment undertaking or, having incurred its
deferred payment undertaking, does not pay at maturity;
iii. 由被指定銀行延期付款而該被指定銀行未承擔其延期付款承諾，
或者雖已承擔延期付款承諾但到期未予付款；
iv. acceptance with a nominated bank and that nominated bank does not
accept a draft drawn on it or, having accepted a draft drawn on it, does
not pay at maturity;
iv. 由被指定銀行承兌而該被指定銀行未予承兌以其為付款人的匯
票，或者雖已承兌以其為付款人的匯票但到期未予付款；
v. negotiation with a nominated bank and that nominated bank does not
negotiate.
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v. 由被指定銀行議付而該被指定銀行未予議付。
b. An issuing bank is irrevocably bound to honour as of the time it issues
the credit.
b. 自信用證開立之時起，開證行即不可撤銷地受到兌付責任的約束。
c. An issuing bank undertakes to reimburse a nominated bank that has
honoured or negotiated a complying presentation and forwarded the
documents to the issuing bank. Reimbursement for the amount of a
complying presentation under a credit available by acceptance or deferred
payment is due at maturity, whether or not the nominated bank prepaid or
purchased before maturity. An issuing bank''s undertaking to reimburse a
nominated bank is independent of the issuing bank’s undertaking to the
beneficiary.
c. 開證行保證向對於相符提示已經予以兌付或者議付並將單據寄往
開證行的被指定銀行進行償付。無論被指定銀行是否於到期日前已經
對相符提示予以預付或者購買， 對於承兌或延期付款信用證項下相
符提示的金額的償付於到期日進行。開證行償付被指定銀行的承諾獨
立於開證行對於受益人的承諾。
Article 8 Confirming Bank Undertaking
第八條 保兌行的承諾
a. Provided that the stipulated documents are presented to the confirming
bank or to any other nominated bank and that they constitute a complying
presentation, the confirming bank must:
a. 倘若規定的單據被提交至保兌行或者任何其他被指定銀行並構成
相符提示，保兌行必須：
i. honour, if the credit is available by：
i. 兌付，如果信用證適用於：
a. sight payment, deferred payment or acceptance with the confirming
bank;
a. 由保兌行即期付款、延期付款或者承兌；
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b. sight payment with another nominated bank and that nominated bank
does not pay;
b. 由另一家被指定銀行即期付款而該被指定銀行未予付款；
c. deferred payment with another nominated bank and that nominated
bank does not incur its deferred payment undertaking or, having incurred
its deferred payment undertaking, does not pay at maturity;
c. 由另一家被指定銀行延期付款而該被指定銀行未承擔其延期付款
承諾，或者雖已承擔延期付款承諾但到期未予付款；
d. acceptance with another nominated bank and that nominated bank does
not accept a draft drawn on it or, having accepted a draft drawn on it,
does not pay at maturity;
d. 由另一家被指定銀行承兌而該被指定銀行未予承兌以其為付款人
的匯票，或者雖已承兌以其為付款人的匯票但到期未予付款；
e. negotiation with another nominated bank and that nominated bank does
not negotiate.
e. 由另一家被指定銀行議付而該被指定銀行未予議付。
ii. negotiate, without recourse 無追索權, if the credit is available by
negotiation with the confirming bank.
ii. 若信用證由保兌行議付，無追索權地議付。
b. A confirming bank is irrevocably bound to honour or negotiate as of
the time it adds its confirmation to the credit.
b. 自為信用證加具保兌之時起，保兌行即不可撤銷地受到兌付或者
議付責任的約束。
c. A confirming bank undertakes to reimburse another nominated bank
that has honoured or negotiated a complying presentation and forwarded
the documents to the confirming bank. Reimbursement for the amount of
a complying presentation under a credit available by acceptance or
deferred payment is due at maturity, whether or not another nominated
bank prepaid or purchased before maturity. A confirming bank''s
undertaking to reimburse another nominated bank is independent of the
confirming bank’s undertaking to the beneficiary.
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c. 保兌行保證向對於相符提示已經予以兌付或者議付並將單據寄往
開證行的另一家被指定銀行進行償付。無論另一家被指定銀行是否於
到期日前已經對相符提示予以預付或者購買， 對於承兌或延期付款
信用證項下相符提示的金額的償付於到期日進行。保兌行償付另一家
被指定銀行的承諾獨立於保兌行對於受益人的承諾。
d. If a bank is authorized or requested by the issuing bank to confirm a
credit but is not prepared to do so, it must inform the issuing bank
without delay and may advise the credit without confirmation.
d. 如開證行授權或要求另一家銀行對信用證加具保兌，而該銀行不
準備照辦時，它必須不延誤地告知開證行並仍可通知此份未經加具保
兌的信用證。
Article 9 Advising of Credits and Amendments
第九條 信用證及修改的通知
a. A credit and any amendment may be advised to a beneficiary through
an advising bank. An advising bank that is not a confirming bank advises
the credit and any amendment without any undertaking to honour or
negotiate. a. 信用證及其修改可以通過通知行通知受益人。除非已對
信用證加具保兌，通知行通知信用證不構成兌付或議付的承諾。
b. By advising the credit or amendment, the advising bank signifies that it
has satisfied itself as to the apparent authenticity of the credit or
amendment and that the advice accurately reflects the terms and
conditions of the credit or amendment received.
b. 通過通知信用證或修改，通知行即表明其認為信用證或修改的表
面真實性得到滿足，且通知準確地反映了所收到的信用證或修改的條
款及條件。
c. An advising bank may utilize the services of another bank (“second
advising bank”) to advise the credit and any amendment to the
beneficiary. By advising the credit or amendment, the second advising
bank signifies that it has satisfied itself as to the apparent authenticity of
the advice it has received and that the advice accurately reflects the terms
and conditions of the credit or amendment received.
c. 通知行可以利用另一家銀行的服務（“第二通知行”）向受益人通知
信用證及其修改。通過通知信用證或修改，第二通知行即表明其認為
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所收到的通知的表面真實性得到滿足，且通知準確地反映了所收到的
信用證或修改的條款及條件。
d. A bank utilizing the services of an advising bank or second advising
bank to advise a credit must use the same bank to advise any amendment
thereto.
d. 如一家銀行利用另一家通知行或第二通知行的服務將信用證通知
給受益人，它也必須利用同一家銀行的服務通知修改書。
e. If a bank is requested to advise a credit or amendment but elects not to
do so, it must so inform, without delay, the bank from which the credit,
amendment or advice has been received.
e. 如果一家銀行被要求通知信用證或修改但決定不予通知，它必須
不延誤通知向其發送信用證、修改或通知的銀行。
f. If a bank is requested to advise a credit or amendment but cannot
satisfy itself as to the apparent authenticity of the credit, the amendment
or the advice, it must so inform, without delay, the bank from which the
instructions appear to have been received. If the advising bank or second
advising bank elects nonetheless to advise the credit or amendment, it
must inform the beneficiary or second advising bank that it has not been
able to satisfy itself as to the apparent authenticity of the credit, the
amendment or the advice.
f. 如果一家被要求通知信用證或修改，但不能確定信用證、修改或通
知的表面真實性，就必須不延誤地告知向其發出該指示的銀行。如果
通知行或第二通知行仍決定通知信用證或修改，則必須告知受益人或
第二通知行其未能核實信用證、修改或通知的表面真實性。
Article 10 Amendments
第十條 修改
a. Except as otherwise provided by article 38, a credit can neither be
amended nor cancelled without the agreement of the issuing bank, the
confirming bank, if any, and the beneficiary.
a. 除本慣例第 38 條另有規定外，凡未經開證行、保兌行（如有）以
及受益人同意，信用證既不能修改也不能撤銷。
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b. An issuing bank is irrevocably bound by an amendment as of the time
it issues the amendment. A confirming bank may extend its confirmation
to an amendment and will be irrevocably bound as of the time it advises
the amendment. A confirming bank may, however, choose to advise an
amendment without extending its confirmation and, if so, it must inform
the issuing bank without delay and inform the beneficiary in its advice.
b. 自發出信用證修改書之時起，開證行就不可撤銷地受其發出修改
的約束。保兌行可將其保兌承諾擴展至修改內容，且自其通知該修改
之時起，即不可撤銷地受到該修改的約束。然而，保兌行可選擇僅將
修改通知受益人而不對其加具保兌，但必須不延誤地將此情況通知開
證行和受益人。
c. The terms and conditions of the original credit (or a credit
incorporating previously accepted amendments) will remain in force for
the beneficiary until the beneficiary communicates its acceptance of the
amendment to the bank that advised such amendment. The beneficiary
should give notification of acceptance or rejection of an amendment. If
the beneficiary fails to give such notification, a presentation that complies
with the credit and to any not yet accepted amendment will be deemed to
be notification of acceptance by the beneficiary of such amendment. As
of that moment the credit will be amended.
c. 在受益人向通知修改的銀行表示接受該修改內容之前，原信用證
（或包含先前已被接受修改的信用證）的條款和條件對受益人仍然有
效。受益人應發出接受或拒絕接受修改的通知。如受益人未提供上述
通知，當其提交至被指定銀行或開證行的單據與信用證以及尚未表示
接受的修改的要求一致時，則該事實即視為受益人已作出接受修改的
通知，並從此時起，該信用證已被修改。
d. A bank that advises an amendment should inform the bank from which
it received the amendment of any notification of acceptance or rejection.
d. 通知修改的銀行應當通知向其發出修改書的銀行任何有關接受或
拒絕接受修改的通知。
e. Partial acceptance of an amendment is not allowed and will be deemed
to be notification of rejection of the amendment.
e. 不允許部分接受修改，部分接受修改將被視為拒絕接受修改的通
知。
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f. A provision in an amendment to the effect that the amendment shall
enter into force unless rejected by the beneficiary within a certain time
shall be disregarded.
f. 修改書中作出的除非受益人在某一時間內拒絕接受修改，否則修改
將開始生效的條款將被不予置理。
Article 11 Teletransmitted and Pre-Advised Credits and Amendments
第十一條 電訊傳遞與預先通知的信用證和修改
a. An authenticated teletransmission of a credit or amendment will be
deemed to be the operative credit or amendment, and any subsequent mail
confirmation shall be disregarded.
If a teletransmission states "full details to follow" (or words of similar
effect), or states that the mail confirmation is to be the operative credit or
amendment, then the teletransmission will not be deemed to be the
operative credit or amendment. The issuing bank must then issue the
operative credit or amendment without delay in terms not inconsistent
with the teletransmission.
a. 經證實的信用證或修改的電訊檔將被視為有效的信用證或修改，
任何隨後的郵寄證實書將被不予置理。
若該電訊檔聲明"詳情後告"（或類似詞語）或聲明隨後寄出的郵寄證
實書將是有效的信用證或修改，則該電訊檔將被視為無效的信用證或
修改。開證行必須隨即不延誤地開出有效的信用證或修改，且條款不
能與與電訊檔相矛盾。
b. A preliminary advice of the issuance of a credit or amendment
(“pre-advice”) shall only be sent if the issuing bank is prepared to issue
the operative credit or amendment. An issuing bank that sends a
pre-advice is irrevocably committed to issue the operative credit or
amendment, without delay, in terms not inconsistent with the pre-advice.
b. 只有準備開立有效信用證或修改的開證行，才可以發出開立信用
證或修改預先通知書。發出預先通知的開證行應不可撤銷地承諾將不
延誤地開出有效的信用證或修改，且條款不能與預先通知書相矛盾。
Article 12 Nomination
第十二條 指定
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a. Unless a nominated bank is the confirming bank, an authorization to
honour or negotiate does not impose any obligation on that nominated
bank to honour or negotiate, except when expressly agreed to by that
nominated bank and so communicated to the beneficiary.
a. 除非一家被指定銀行是保兌行，對被指定銀行進行兌付或議付的
授權並不構成其必須兌付或議付的義務，被指定銀行明確同意並照此
通知受益人的情形除外。
b. By nominating a bank to accept a draft or incur a deferred payment
undertaking, an issuing bank authorizes that nominated bank to prepay or
purchase a draft accepted or a deferred payment undertaking incurred by
that nominated bank.
b. 通過指定一家銀行承兌匯票或承擔延期付款承諾，開證行即授權
該被指定銀行預付或購買經其承兌的匯票或由其承擔延期付款的承
諾。
c. Receipt or examination and forwarding of documents by a nominated
bank that is not a confirming bank does not make that nominated bank
liable to honour or negotiate, nor does it constitute honour or negotiation.
c. 非保兌行身份的被指定銀行接受、審核並寄送單據的行為既不使
得該被指定銀行具有兌付或議付的義務，也不構成兌付或議付。
Article 13 Bank-to-Bank Reimbursement Arrangements
第十三條 銀行間償付約定
a. If a credit states that reimbursement is to be obtained by a nominated
bank ("claiming bank") claiming on another party ("reimbursing bank"),
the credit must state if the reimbursement is subject to the ICC rules for
bank-to-bank reimbursements in effect on the date of issuance of the
credit.
a. 如果信用證規定被指定銀行（“索償行”）須通過向另一方銀行（“償
付行”）索償獲得償付，則信用證中必須聲明是否按照信用證開立日
正在生效的國際商會《銀行間償付規則》辦理。
b. If a credit does not state that reimbursement is subject to the ICC rules
for bank-to-bank reimbursements, the following apply:
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b. 如果信用證中未聲明是否按照國際商會《銀行間償付規則》辦理，
則適用於下列條款：
i. An issuing bank must provide a reimbursing bank with a
reimbursement authorization that conforms with the availability stated in
the credit. The reimbursement authorization should not be subject to an
expiry date.
i. 開證行必須向償付行提供償付授權書，該授權書須與信用證中聲明
的有效性一致。償付授權書不應規定有效日期。
ii. A claiming bank shall not be required to supply a reimbursing bank
with a certificate of compliance with the terms and conditions of the
credit.
ii. 不應要求索償行向償付行提供證實單據與信用證條款及條件相符
的證明。
iii. An issuing bank will be responsible for any loss of interest, together
with any expenses incurred, if reimbursement is not provided on first
demand by a reimbursing bank in accordance with the terms and
conditions of the credit.
iii. 如果償付行未能按照信用證的條款及條件在首次索償時即行償
付，則開證行應對索償行的利息損失以及產生的費用負責。
iv. A reimbursing bank''s charges are for the account of the issuing bank.
However, if the charges are for the account of the beneficiary, it is the
responsibility of an issuing bank to so indicate in the credit and in the
reimbursement authorization. If a reimbursing bank''s charges are for the
account of the beneficiary, they shall be deducted from the amount due to
a claiming bank when reimbursement is made. If no reimbursement is
made, the reimbursing bank''s charges remain the obligation of the issuing
bank.
iv. 償付行的費用應由開證行承擔。然而，如果費用系由受益人承擔，
則開證行有責任在信用證和償付授權書中予以注明。如償付行的費用
系由受益人承擔，則該費用應在償付時從支付索償行的金額中扣除。
如果未發生償付，開證行仍有義務承擔償付行的費用。
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c. An issuing bank is not relieved of any of its obligations to provide
reimbursement if reimbursement is not made by a reimbursing bank on
first demand.
c. 如果償付行未能于首次索償時即行償付，則開證行不能解除其自
身的償付責任。
Article 14 Standard for Examination of Documents
第十四條 審核單據的標準
a. A nominated bank acting on its nomination, a confirming bank, if any,
and the issuing bank must examine a presentation to determine, on the
basis of the documents alone, whether or not the documents appear on
their face to constitute a complying presentation.
a. 按照指定行事的被指定銀行、保兌行（如有）以及開證行必須對
提示的單據進行審核，並僅以單據為基礎，以決定單據在表面上看來
是否構成相符提示。
b. A nominated bank acting on its nomination, a confirming bank, if any,
and the issuing bank shall each have a maximum of five banking days
following the day of presentation to determine if a presentation is
complying. This period is not curtailed or otherwise affected by the
occurrence on or after the date of presentation of any expiry date or last
day for presentation.
b. 按照指定行事的被指定銀行、保兌行（如有）以及開證行，自其
收到提示單據的翌日起算，應各自擁有最多不超過五個銀行工作日的
時間以決定提示是否相符。該期限不因單據提示日適逢信用證有效期
或最遲提示期或在其之後而被縮減或受到其他影響。
c. A presentation including one or more original transport documents
subject to articles 19, 20, 21, 22, 23, 24 or 25 must be made by or on
behalf of the beneficiary not later than 21 calendar days after the date of
shipment as described in these rules, but in any event not later than the
expiry date of the credit.
c. 提示若包含一份或多份按照本慣例第 19 條、20 條、21 條、22 條、
23 條、24 條或 25 條出具的正本運輸單據，則必須由受益人或其代表
按照相關條款在不遲於裝運日後的二十一個西曆日內提交，但無論如
何不得遲於信用證的到期日。
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d. Data in a document, when read in context with the credit, the document
itself and international standard banking practice, need not be identical to,
but must not conflict with, data in that document, any other stipulated
document or the credit.
d. 單據中內容的描述不必與信用證、信用證對該項單據的描述以及
國際標準銀行實務完全一致，但不得與該項單據中的內容、其他規定
的單據或信用證相衝突。
e. In documents other than the commercial invoice, the description of the
goods, services or performance, if stated, may be in general terms not
conflicting with their description in the credit.
e. 除商業發票外，其他單據中的貨物、服務或行為描述若須規定，
可使用統稱，但不得與信用證規定的描述相矛盾。
f. If a credit requires presentation of a document other than a transport
document, insurance document or commercial invoice, without
stipulating by whom the document is to be issued or its data content,
banks will accept the document as presented if its content appears to fulfil
the function of the required document and otherwise complies with
sub-article 14 (d).
f. 如果信用證要求提示運輸單據、保險單據和商業發票以外的單據，
但未規定該單據由何人出具或單據的內容。如信用證對此未 做規
定，只要所提交單據的內容看來滿足其功能需要且其他方面與十四條
（d）款相符，銀行將對提示的單據予以接受。
g. A document presented but not required by the credit will be
disregarded and may be returned to the presenter.
g. 提示信用證中未要求提交的單據，銀行將不予置理。如果收到此
類單據，可以退還提示人。
h. If a credit contains a condition without stipulating the document to
indicate compliance with the condition, banks will deem such condition
as not stated and will disregard it.
h. 如果信用證中包含某項條件而未規定需提交與之相符的單據，銀
行將認為未列明此條件，並對此不予置理。
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i. A document may be dated prior to the issuance date of the credit, but
must not be dated later than its date of presentation.
i. 單據的出單日期可以早於信用證開立日期，但不得遲於信用證規定
的提示日期。
j. When the addresses of the beneficiary and the applicant appear in any
stipulated document, they need not be the same as those stated in the
credit or in any other stipulated document, but must be within the same
country as the respective addresses mentioned in the credit. Contact
details (telefax, telephone, email and the like) stated as part of the
beneficiary’s and the applicant’s address will be disregarded. However,
when the address and contact details of the applicant appear as part of the
consignee or notify party details on a transport document subject to
articles 19, 20, 21, 22, 23, 24 or 25, they must be as stated in the credit.
在 UCP500 規定下 常因為一些押匯文件的小疏失 可能會被銀行視為瑕疵 而遭
到扣款 或被拒絕付款
但 UCP600 只要是瑕疵處不影響文件正確性 則不會被拒付
還另外 開狀銀行以往是收到單據 7 個工作日內 押匯文件沒有瑕疵 就必須付款
而將改為 5 個營業日
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跟单信用证统一惯例(UCP600)
2008-01-25
第一条 UCP 的适用范围
《跟单信用证统一惯例——2007 年修订本，国际商会第 600 号出
版物》（简称“UCP” ）乃一套规则，适用于所有的其文本中明确表
明受本惯例约束的跟单信用证（下称信用证）（在其可适用的范围
内，包括备用信用证。）除非信用证明确修改或排除，本惯例各条
文对信用证所有当事人均具有约束力。
第二条 定义
就本惯例而言
通知行 指应开证行的要求通知信用证的银行。
申请人 指要求开立信用证的一方。
银行工作日 指银行在其履行受本惯例约束的行为的地点通常开
业的一天。
受益人 指接受信用证并享受其利益的一方。
相符交单 指与信用证条款、本惯例的相关适用条款以及国际标
准银行实务一致的交单。
保兑 指保兑行在开证行承诺之外做出的承付或议付相符交单的
确定承诺。
保兑行 指根据开证行的授权或要求对信用证加具保兑的银行。
信用证 指一项不可撤销的安排，无论其名称或描述如何，该项
安排构成开证行对相符交单予以交付的确定承诺。
承付 指：
a.如果信用证为即期付款信用证，则即期付款。
b.如果信用证为延期付款信用证，则承诺延期付款并在承诺到期
日付款。
c.如果信用证为承兑信用证，则承兑受益人开出的汇票并在汇票
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到期日付款。
开证行 指应申请人要求或者代表自己开出信用证的银行。
议付 指指定银行在相符交单下，在其应获偿付的银行工作日当
天或之前向受益人预付或者同意预付款项，从而购买汇票（其付款
人为指定银行以外的其他银行）及/或单据的行为。
指定银行 指信用证可在其处兑用的银行，如信用证可在任一银
行兑用，则任何银行均为指定银行。
交单 指向开证行或指定银行提交信用证项下单据的行为，或指
按此方式提交的单据。
交单人 指实施交单行为的受益人、银行或其他人。
第三条 解释
就本惯例而言：
如情形适用，单数词形包含复数含义，复数词形包含单数含义。
2008-01-25
信用证是不可撤销的，即使未如此表明。
单据签字可用手签、摹样签字、穿孔签字、印戳、符合或任何其
他机械或电子的证实方法为之。
诸如单据须履行法定手续、签证、证明等类似要求，可由单据上
任何看拟满足该要求的签字、标记、戳或标签来满足。
一家银行在不同国家的分支机构被视为不同的银行。
用诸如“第一流的”、“著名的”、“合格的”、“独立的”、“正式的”、
“有资格的”或“本地的”等词语描述单据的出单人时，允许除受益人
之外的任何人出具该单据。
除非要求在单据中使用，否则诸如“迅速地”、“立刻地”或“尽快地”
等词语将被不予理会。
“在或大概在（on or about）”或类似用语将被视为规定事件发生
在指定日期的前后五个日历日之间，起讫日期计算在内。“至（to）”、
“直至（until、till）”、“从……开始（from）”及“在……之间（between）”
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等词用于确定发运日期时包含提及的日期，使用“在……之前
（before）”及“在……之后（after）”时则不包含提及的日期。
“从……开始（from）”及“在……之后（after）”等词用于确定到
期日期时不包含提及的日期。
“前半月”及“后半月”分别指一个月的第一日到第十五日及第十六
日到该月的最后一日，起讫日期计算在内。
一个月的“开始（beginning）”、“中间（middle）”及“末尾（end）”
分别指第一到第十日、第十一日到第二十日及第二十一日到该月的
最后一日，起讫日期计算在内。
第四条 信用证与合同
a.就其性质而言，信用证与可能作为其开立基础的销售合同或其
他合同是相互独立的交易，即使信用证中含有对此类合同的任何援
引，银行也与该合同无关，且不受其约束。因些，银行关于承付、
议付或履行信用证项下其他义务的承诺，不受申请人基于与开证行
或与受益人之间的关系而产生的任何请求或抗辩的影响。
受益人在任何情况下不得利用银行之间或申请人与开证行之间
的合同关系。
b.开证行应劝阻申请人试图将基础合同、形式发票等文件作为信
用证组成部分的做法。
第五条 单据与货物、服务或履约行为
银行处理的是单据，而不是单据可能涉及的货物、服务或履约行
为。
第六条 兑用方式、截止日和交单地点
a.信用证必须规定可在其处兑用的银行，或是否可在任一银行兑
用。规定在指定解行兑用的信用证同时也可以在开证行兑用。
2008-01-25
b.信用证必须规定其是以即付款、延期付款，承兑还是议付的方
式兑用。
c.信用证不得开成凭以申请人为付款人的汇票兑用。
d i.信用证必须定一个交单的截止日。规定的承付或议付的截止日
将被视为交单的截止日。
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ii.可在其处兑用信用证的银行所在地即为交单地点。可在任一银
行兑用的信用证其交单地点为任一银行所在地。除规定的交单地点
外，开证行所在地也是交单地点。
e.除非如第二十九条 a 款规定的情形，否则受益人或者代表受益
人的交单应截止日当天或之前完成。
第七条 开证行责任
a.只要规定的单据提交给指定银行或开证方，并且构成相符交
单，则开证行必须承付，如果信用证为以下情形之一：
i.信用证规定由开证行即期付款，延期付款或承兑；
ii.信用证规定由指定银行即期付款但其未付款；
iii.信用证规定由指定银行延期付款但其未承诺延期付款，或虽已
承诺延期付款，但未在到期日付款；
iv.信用证规定由指定银行承兑，但其未承兑以其为付款人的汇
票，或虽然承兑了汇票，但未在到期日付款。
v.信用证规定由指定银行议付但其未议付。
b.开证行自开立信用证之时起即不可撤销地承担承付责任。
c.指定银行承付或议付相符交单并将单据转给开证行之后，开证
行即承担偿付该指定银行的责任。对承兑或延期付款信用证下相符
合单金额的偿付应在到期日办理，无论指定银行是否在到期日之前
预付或购买了单据，开证行偿付指定银行的责任独立于开证行对受
益人的责任。
第八条 保兑行责任
a.只要规定的单据提交给保兑行，或提交给其他任何指定银行，
并且构成相符交单，保兑行必须：
i.承付，如果信用证为以下情形之一：
a）信用证规定由保兑行即期付款、延期付款或承兑；
b）信用证规定由另一指定银行延期付款，但其未付款；
c）信用证规定由另一指定银行延期付款，但其未承诺延期付款，
或虽已承诺延期付款但未在到期日付款；
d）信用证规定由另一指定银行承兑，但其未承兑以其为付款人
的汇票，或虽已承兑汇票未在到期日付款；
e）信用证规定由另一指定银行议付，但其未议付。
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ii.无追索权地议付，如果信用证规定由保兑行议付。
b.保兑行自对信用证加具保兑之时起即不可撤销地承担承付或议
付的责任。
c.其他指定银行承付或议付相符交单并将单据转往保兑行之后，保兑
行即承担偿付该指定银行的责任。对承兑或延期付款信用证下相符交
单金额的偿付应在到期日办理，无论指定银行是否在到期日之前预付
或购买了单据。保兑行偿付指定银行的责任独立于保兑行对受益人的
责任。
d.如果开证行授权或要求一银行对信用证加具保兑，而其并不准备
照办，则其必须毫不延误地通知开证行，并可通知此信用证而不加保
兑。
第九条 信用证及其修改的通知
a.信用证及其任何修改可以经由通知行通知给受益人。非保兑行的
通知行通知信用及修改时不承担承付或议付的责任。
b.通知行通知信用证或修改的行为表示其已确信信用证或修改的
表面真实性，而且其通知准确地反映了其收到的信用证或修改的条
款。
c.通知行可以通过另一银行（“第二通知行”）向受益人通知信用证
及修改。第二通知行通知信用证或修改的行为表明其已确信收到的通
知的表面真实性，并且其通知准确地反映了收到的信用证或修改的条
款。
d.经由通知行或第二通知行通知信用证的银行必须经由同一银行
通知其后的任何修改。
e.如一银行被要求通知信用证或修改但其决定不予通知，则应毫不
延误地告知自其处收到信用证、修改或通知的银行。
f.如一银行被要求通知信用证或修改但其不能确信信用证、修改或
通知的表面真实性，则应毫不延误地通知看似从其处收到指示的银
行。如果通知行或第二通知行决定仍然通知信用证或修改，则应告知
受益人或第二通知行其不能确信信用证、修改或通知的表面真实性。
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第十条 修改
a.除第三十八条别有规定者外，未经开证行、保兑行（如有的话）
及受益人同意，信用证即不得修改，也不得撤销。
b.开证行自发出修改之时起，即不可撤销地受其约束。保兑行可将
其保兑扩展至修改，并自通知该修改时，即不可撤销地受其约束。但
是，保兑行可以选择将修改通知受益人而不对其加具保兑。若然如
此，其必须毫不延误地将此告知开证行，并在其给受益人的通知中告
知受益人。
c.在受益人告知通知修改的银行其接受该修改之前，原信用证（或
含有先前被接受的修改的信用证）的条款对受益人仍然有效。受益人
应提供接受或拒绝修改的通知。如果受益人未能给予通知，当交单与
信用证以及尚未表示接受的修改的要求一致时，即视为受益人已作出
接受修改的通知，并且从此时起，该信用证被修改。
d.通知修改的银行应将任何接受或拒绝的通知转告发出修改的银
行。
e.对同一修改的内容不允许部分接受，部分接受将被视为拒绝修的
通知。
f.修改中关于除非受益人在某一时间内拒绝修改否则修改生效的
规定应被不予理会。
第十一条 电讯传输的和预先通知的信用证和修改
a.以经证实的电讯方式发出的信用证或信用证修改即被视为有效
的用证或修改文据，任何后续的邮寄确认书应被不予理会。
如电讯声明"详情后告"(或类似用语)或声明以邮寄确认书为有效
信用证或修改，则该电讯不被视为有效信用证或修改。开证行必须随
即不迟延地开立有效信用证或修改，其条款不得与该电讯矛盾。
b.开证行只有在准备开立有效信用证或作出有效修改时，才可以发
出关于开立或修改信用证的初步通知 (预先通知)。开证行作出该预
先通知，即不可撤销地保证不迟延地开立或修改信用证，且其条款不
能与预先通知相矛盾。
第十二条 指定
a.除非指定银行为保兑行，对于承付或议付的授权并不赋予指定银
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行承付或议付的义务，除非该指定银行明确表示同意并且告知受益
人。
b.开证行指定一银行承兑汇票或做出延期付款承诺，即为授权该指
定银行预付或购买其已其已承兑的汇票或已做出的延期付款承诺。
c.非保兑行的指定银行收到或审核并转递单据的行为并不使其承
担承付或议付的责任，也不构成其承付或议付的行为。
第十三条 银行之间的偿付安排
a.如果信用证规定指定银行（“索偿行”）向另一方（“偿付行”）获
取偿付时，必须同时规定该偿付是否按信用证开立时有效的 ICC 银
行间偿付规则进行。
b.如果信用证没有规定偿付遵守 ICC 银行间偿付规则，则按照以
下规定：
i.开证行必须给予偿付行有关偿付的援权，授权应符合信用证关于
兑用方式的规定，且不应设定截止日。
ii.开证行不应要求索偿行向偿付行提供与信用证条款相符的证明。
iii.如果偿付行未按信用证条款见索即偿，开证行将承担利息损失
以及产生的任何其他费用。
iv.偿付行的费用应由开证行承担。然而，如果此项费用由受益人
承担，开证行有责任有信用证及偿付授权中注明。如果偿付行的费用
由受益人承担，该费用应在偿付时从付给索偿行的金额中扣取。如果
偿付未发生，偿付行的费用仍由开证行负担。
c.如果偿付行未能见索即偿，开证行不能免除偿付责任。
第十四条 单据审核标准
a.按指定行事的指定银行、保兑行（如果有的话）及开证行须审核
交单，并仅基于单据本身确定其是否在表面上构成相符交单。
b.按指定行事的指定银行、保兑行（如有的话）及开证行各有从交
单次日起至多五个银行工作日用以确定交单是否相符。这一期限不因
在交单日当天或之后信用证截止日或最迟交单日届至而受到缩减或
影响。
c.如果单据中包含一份或多份受第十九、二十、二十一、二十二、
二十三、二十四或十二五条规制的正本运输单据，则须由受益人或其
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他表在不迟于本惯例所指的发运日之后的二十一个日历日内交单，但
是在任何情况下都不得迟于信用证的截止日。
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