2018年信用证流程图英文word版本 (5页)

国际信用证英文流程Here's a sample of an international letter of credit process described in English, keeping it conversational and varied in tone:Okay, let's talk about the international letter of credit process in simple terms. First up, the buyer and seller agree on a deal, and the buyer asks their bank to issue a credit. This credit is basically a promise to pay the seller if all conditions are met.The issuing bank then sends this letter of credit to the seller's bank, who verifies its authenticity. Once verified, the seller can rest assured that they'll get paid as long as they fulfill the terms in the letter.Now, let's say the seller ships the goods. They'll provide documents like bills of lading and invoices to prove shipment. These documents go to the seller's bank for approval.The bank checks the documents carefully to ensure they match the requirements in the letter of credit. If everything's in order, they'll release the payment to the seller.On the other hand, if there's a discrepancy in the documents, the bank might reject the payment. This is why it's crucial for the seller to ensure their documents are accurate and complete.。

本文部分内容来自网络整理，本司不为其真实性负责，如有异议或侵权请及时联系，本司将立即删除！== 本文为word格式，下载后可方便编辑和修改！ ==信用证英语篇一：信用证的中英文对应信用证样本(中英文对照)信用证样本:以下信用证内容源自华利陶瓷厂与一塞浦路斯客户所开立并顺利支付的信用证TO:BANK OF CYPRUS LTDLETTERS OF CREDIT DEPARTMENTNTCOSIA COMMERCIAL OPERATIONS CENTERINTERNATIONAL DIVISION************TEL:******FAX:******TELEX:2451 & 4933 KYPRIA CYSWIFT:BCYPCY2NDATE:23 MARCH 201XAPPLICATION FOR THE ISSUANCE OF A LETTER OF CREDITSWIFT MT700 SENT TO:MT700转送至STANDARD CHARTERD BANKUNIT 1-8 52/F SHUN NIND SQUAREO1 WANG COMMERCIAL CENTRE,SHEN NANROAD EAST,SHENZHEN 518008 - CHINA渣打银行深圳分行深南东路5002号信兴广场地王商业大厦52楼1-8单元电话： 82461688:27: SEQUENCE OF TOTAL序列号1/1 指只有一张电文:40A: FORM OF DOCUMENTARY CREDIT跟单信用证形式IRREVOCABLE 不可撤消的信用证:20OCUMENTARY CREDIT NUMBER信用证号码00143-01-0053557:31C: DATE OF ISSUE开证日如果这项没有填，则开证日期为电文的发送日期。

:31DATE AND PLACE OF EXPIRY信用证有效期050622 IN CHINA 050622在中国到期:50: APPLICANT 信用证开证审请人******* NICOSIA 较对应同发票上是一致的:59: BENEFICIARY 受益人CHAOZHOU HUALI CERAMICS FACTORYFENGYI INDUSTRIAL DISTRICT, GUXIANG TOWN, CHAOZHOU CITY,GUANGDONG PROVINCE,CHINA.潮州华利陶瓷洁具厂:32B: CURRENCY CODE,AMOUNT 信用证项下的金额USD***7841,89:41D:AVAILABLE WITH....BY.... 议付适用银行STANDARD CHARTERED BANKCHINA AND/OR AS BELOW 渣打银行或以下的BY NEGOTIATION 任何议付行:42CRAFTS AT 开汇票SIGHT 即期:42A RAWEE 付款人BCYPCY2NO10BANK OF CYPRUS LTD 塞浦路斯的银行名:43PARTIAL SHIPMENTS 是否允许分批装运NOT ALLOWED 不可以:43T:TRANSHIPMENT转运ALLOWED允许:44AOADING ON BOARD/DISPATCH/TAKING IN CHARGE AT/FROM...装船港口SHENZHEN PORT深圳:44B:FOR TRANSPORTATION TO 目的港LIMASSOL PORT发票中无提及:44C: LATEST DATE OF SHIPMENT最后装船期050601:045A ESCRIPTION OF GOODS AND/OR SERVICES 货物/服务描述SANITARY WARE 陶瓷洁具F O B SHENZHEN PORT,INCOTERMS 201X fob深圳港，INCOMTERMS 201X:046A OCUMENTS REQUIRED 须提供的单据文件*FULL SET (AT LEAST THREE) ORIGINAL CLEAN SHIPPED ON BOARD BILLS OF LADING ISSUED TO THE ORDER OF BANK OF CYPRUS PUBLIC COMPANYLTD,CYPRUS,NOTIFY PARTIES APPLICANT AND OURSELVES,SHOWING全套清洁已装船提单原件(至少三份)，作成以“塞浦路斯股份有限公司”为抬头，通知开证人和我们自己，注明*FREIGHT PAYABLE AT DESTINATION AND BEARING THE NUMBER OF THIS CREDIT.运费在目的港付注明该信用证号码*PACKING LIST IN 3 COPIES.装箱单一式三份*CERTIFICATE ISSUED BY THE SHIPPING COMPANY/CARRIER OR THEIRAGENT STATING THE B/L NO(S) AND THE VESSEL(S) NAME CERTIFYINGTHAT THE CARRYING VESSEL(S) IS/ARE: A) HOLDING A VALID SAFETYMANAGEMENT SYSTEM CERTIFICATE AS PER TERMS OF INTERNATIONALSAFETY MANAGEMENT CODE ANDB) CLASSIFIED AS PER INSTITUTE CLASSIFICATION CLAUSE 01/01/201XBY AN APPROPRIATE CLASSIFICATION SOCIETY由船公司或代理出有注明B/L号和船名的证明书证明他们的船是:A)持有根据国际安全管理条款编码的有效安全管理系统证书; 和B)由相关分级协会根据201X年1月1日颁布的ICC条款分类的.*COMMERCIAL INVOICE FOR USD11,202,70 IN 4 COPIES DULY SIGNED BYTHE BENEFICIARY/IES, STATING THAT THE GOODS SHIPPED:A)ARE OF CHINESE ORIGIN.B)ARE IN ACCORDANCE WITH BENEFICIARIES PROFORMA INVOICE NO.HL050307 DATED 07/03/05.由受益人签署的商业发票总额USD11,202,70一式四份，声明货物运输：。

信用证（L／C）样本2019-05-30 18:41对于很多外贸新手来说，信用证（L／C）是个不小的问题，相信有不少人可能都没见过。

对我来说，信用证也是新的东西，也需要学习。

在此，从其它地方搬来样本，供大家参考、学习。

对于原创者，表示感谢！正题：其实所有的信用证条款都大同小异，具体款项都是那些，下面列出一个样本供大家参考．有一个问题需要新手注意，一般韩国开过来的信用证经常用假远期，这也是韩国人的精明之处，可以用假信用证向开证行押汇，狡猾狡猾地！！信用证样本1SAMPLE LETTER OF CREDIT/1(See Instructions on Page 2)Name and Address of BankDate: __________________Irrevocable letter of Credit No. ______________Beneficiary: Commodity Credit Corporation Account Party: Name of Exporte rAddress of ExporterGentlemen:We hereby open our irrevocable credit in your favor for the sum or sums not to exceed a total of _______________dollars ($__________), to be made available by your req uest for payment at sight upon the presentation of your draft accompanied by the following statement:(Insert applicable statement)/2This Letter of Credit is valid until _____________________/3, provided, however, that th is Letter of Credit will be automatically extended without amendment for _________ ________/4 from the present or any future expiration date thereof, unless at least th irty (30) days prior to any such expiration date the Issuing Bank provides written n otice to the Commodity Credit Corporation at the U.S. Department of Agriculture, 14th and Independence Avenue, S.W., Room 4503, South Building, Stop 1035, Was hington, D.C. 20250-1035, of its election not to renew this Letter of Credit for such additional ______________________/5 period. The notice required hereunder will be d eemed to have been given when received by you.This letter of Credit is issued subject to the Uniform Customs and Practice for Doc umentary Credits, 1993 Revision, International Chamber of Commerce Publication No. 500(Name of Bank)By: _______________________________________________________________-2-INSTRUCTIONS FOR LETTER OF CREDIT ISSUED FOR DEIP BID1. Send to: Treasurer, CCCU.S. Department of Agriculture14th & Independence Avenue, S.W.Room 4503 South BuildingStop 1035Washington, DC 20250-10352. If the letter of credit is to apply to any Dairy Export Incentive Program (DEIP) I nvitation:“The Commodity Credit Corporation (CCC) has a right to the amount drawn in ac cordance with the terms and conditions of one or more Dairy Export Incentive Pro gram (DEIP) Agreements entered into by the exporter pursuant to 7 C.F.R. Part 149 4, and the applicable DEIP Invitation(s) issued by CCC.”If the letter of credit is to apply to a single DEIP Invitation:“The Commodity Credit Corporation (CCC) has a right to the amount drawn in ac cordance with the terms and conditions of one or more Dairy Export incentive Pro gram (DEIP) Agreements entered into by the exporter pursuant to 7 C.F.R. Part 149 4, and DEIP Invitation No. ________________.If the letter of credit is to apply to more than one specific DEIP Invitation:“The Commodity Credit Corporation (CCC) has a right to the amount drawn in ac cordance with the terms and conditions of one or more Dairy Export incentive Pro gram (DEIP) Agreements entered into by the exporter pursuant to 7 C.F.R. Part 149 4, and DEIP Invitation Nos. ________________, ___________________, and _________________ .”3. Insert the last date of the month in which the 90th day after the date of the le tter of credit falls (e.g., if the date of the letter of credit is March 15, 2019, the date to be inserted would be Jun 30, 2019).4. Insert a time period of either “one (1) year” or a specific number of whole month(s) which total less than one year (e.g., “one (1) month,”“two (2) months ,” etc.).5. Insert the same time period as inserted in the previous space (e.g., “one (1) y ear,”“one (1) month,” etc.).信用证样本2Issue of a Documentary Credit （开证行,一般为出口商的往来银行，须示开证行的信用程度决定是否需要其他银行保兑confirmation见49）BKCHCNBJA08E SESSION: 000 ISN: 000000 BANK OF CHINA LIAONING NO. 5 ZHONGSHAN SQUARE ZHONGSHAN DISTRICT DALIAN CHINADestination Bank （通知行advising bank见57A）KOEXKRSEXXX MESSAGE TYPE: 700 KOREA EXCHANGE BANK SEOUL 178.2 KA, ULCHI RO, CHUNG-KO （一般由受益人指定往来银行为通知行，如愿意通知，其须谨慎鉴别信用证表面真实性；应注意信用证文本的生效形式和内容是否完整，如需小心信用证简电或预先通知和由开证人直接寄送的信用证或信用证申请书，因其还未生效，且信用证一般通过指定通知行来通知，可参考《出口实务操作》page237）40A Type of Documentary Credit （跟单信用证类型）IRREVOCABLE （信用证性质为不可撤消。

国内信用证基本流程英语版英文回答：Domestic Letter of Credit (L/C) Process in China.Step 1: Application for L/C.The applicant (buyer) submits an application to the issuing bank, requesting the issuance of an L/C.The application includes details such as the beneficiary (seller), the amount, and the terms and conditions of the L/C.Step 2: Issuance of L/C.The issuing bank reviews the application and, if approved, issues the L/C.The L/C is a legally binding document that commits theissuing bank to pay the beneficiary upon fulfillment of the conditions specified in the L/C.Step 3: Negotiation of L/C.The beneficiary receives the L/C from the issuing bank and verifies its authenticity and compliance with the purchase order.Any discrepancies or amendments are negotiated between the beneficiary and the issuing bank.Step 4: Presentation of Documents.Once the goods have been shipped or services rendered, the beneficiary presents the required documents to the negotiating bank (usually the beneficiary's bank).These documents typically include an invoice, bill of lading, and insurance certificate.Step 5: Examination of Documents.The negotiating bank examines the documents to ensure that they comply with the terms and conditions of the L/C.If the documents are found to be in order, the negotiating bank credits the beneficiary's account.Step 6: Payment by Issuing Bank.The negotiating bank sends the documents to the issuing bank.The issuing bank reviews the documents and, if satisfied, releases payment to the negotiating bank.Step 7: Reimbursement.The negotiating bank reimburses the issuing bank for the payment made to the beneficiary.Step 8: Closure of L/C.Once the final payment has been made, the L/C is closed.The beneficiary has fulfilled its obligations under the L/C, and the issuing bank's liability has been discharged.Notes:Domestic L/Cs are governed by the Uniform Customs and Practice for Documentary Credits (UCP 600) issued by the International Chamber of Commerce (ICC).The UCP 600 sets out the standard terms and conditions for L/Cs.Parties can negotiate and incorporate additional terms and conditions into their L/C agreements.中文回答：国内信用证基本流程。

信用证流程图---标准化文件发布号：（9456-EUATWK-MWUB-WUNN-INNUL-DDQTY-KII信用证流程图开证申请人 1 受益人【进口商】【出口商】2 49 510 6付款行/开证行 3 .7 . 8 通知行/议付行信用证操作流程跟单信用证操作的流程简述如下：1.买卖双方在贸易合同中规定使用跟单信用证支付。

2.买方通知当地银行（开证行）开立以卖方为受益人的信用证。

3.开证行请求另一银行通知或保兑信用证通知卖方信用证已开立。

4.通知行核对无误后转递给出口人。

5.卖方收到信用证，并确保其能履行信用证规定的条件后，即装运货物，备齐单据并开具汇票，在有效期内向当地银行议付。

6.银行审核无误后按发票金额扣除手续费后付款。

7.通知行或以外的银行将单据寄送开证行。

8.开证行审核单据无误后，以事先约定的形式，对已按照信用证付款、承兑或议付的银行偿付。

9.开证行通知进口人付款。

10.开证行在买方付款后交单，然后买方凭单取货。

对着看没课件的排版好但对着看还是能懂的。

本回答由提问者推荐评论(3)413总以为是你采纳率：18% 擅长：企业管理其他回答程序正确，说明你有基础的，我再话蛇添足一下：1.开立外币帐户。

自己选择银行，只有这家银行经营国际结算业务就行。

2.向开户行要L/C通知路线，然后提供给客户3.等你的开户行通知你收到信用证。

4.到银行拿信用证，审证。

看是否与合同条款相符，以及是否有无法办到的条款，如有，要求客户修改信用证。

没有的话，就按证备货。

5.发货后，备齐信用证要求的单据，到开户行交单。

开户行会帮你审单，如发现不符点，马上与客户联系，请求客户接受不符点。

如无，寄单到开证行（银行来寄）6.开证行收到单据后，如果审单无误，直接付款，然后要求开证人付款赎单。

如有不符点，一般会联系开证人，问开证人是否接受，接受则付款，不接受则拒付。

7.开户行通知你收到信用证项下货款，你到银行结汇8.通关的事不用操心，一般都是装运时交给货代一起做，费用很少，一般一票100元。

可转让信用证英文流程The Process of Transferable Letter of Credit.The transferable letter of credit (L/C) is a unique financial tool commonly used in international trade. It allows the original beneficiary (the first beneficiary) to transfer all or part of the credit's value to another party (the second beneficiary) under certain conditions. This process ensures greater flexibility and efficiency in global trade transactions.Here is a detailed outline of the transferable L/C process:1. Agreement and Contract Formation.The process begins when the importer and exporter reach an agreement on the terms of the trade. This agreement is formalized through a contract, which outlines the specific details of the transaction, including the goods to be sold,the agreed-upon price, and any other relevant terms and conditions.2. Application for a Transferable L/C.Once the contract is established, the importer appliesto their bank (the opening bank) to open a transferable L/C in favor of the exporter. The application specifies the amount of the credit, the terms of payment, and other relevant details. The bank then issues the L/C, which is sent to the exporter's bank (the advising bank) for notification.3. Advising and Acceptance of the L/C.The advising bank reviews the L/C and notifies the exporter of its issuance. The exporter then accepts the L/C, confirming their agreement to the terms and conditions outlined in the document.4. Request for Transfer.If the exporter wishes to transfer the L/C to a second beneficiary, they submit a request to the advising bank. This request must be in accordance with the terms and conditions stated in the original L/C and must be approved by the opening bank.5. Approval and Transfer of the L/C.The opening bank reviews the request for transfer and, if satisfied, approves the transfer. The advising bank then issues a new L/C in favor of the second beneficiary, reflecting the updated terms and conditions. This new L/C is known as the transferred L/C.6. Performance of the Contract by the Second Beneficiary.The second beneficiary fulfills the contract by shipping the goods to the importer as specified in the transferred L/C. They then prepare the necessary documentation, such as invoices and shipping documents, to facilitate payment.7. Presentation of Documents and Payment.The second beneficiary submits the required documentsto the advising bank for presentation to the opening bank. The opening bank reviews the documents to ensure theycomply with the terms and conditions of the transferred L/C. If the documents are in order, the opening bank makes payment to the second beneficiary, either through the advising bank or directly.8. Notification to the First Beneficiary.After payment is made, the advising bank notifies the first beneficiary of the transfer and payment. The first beneficiary then converts the invoice and sends the necessary documents to the opening bank for their records.9. Closure of the L/C.Once the transaction is complete and all payments have been made, the L/C is closed. The opening bank issues aclosing advice to the advising bank, confirming the finalization of the transaction.In summary, the process of a transferable L/C involves several steps, from agreement formation and L/C issuance to request for transfer, approval, performance, document presentation, payment, notification, and closure. This process ensures smooth and efficient transactions in international trade, allowing for greater flexibility and convenience for all parties involved.。

信用证托收汇付流程英文版信用证Free on Board or FOB, used in commerce to describe the value of goods at point of embarkation, excluding transportation and insurance costs. In an FOB shipping contract, the buyer of the goods pays the cost of shipping and assumes any risk of loss or damage. Export values are usually expressed FOB for customs and excise purposes, while imports areusually valued CIF (cost, insurance, and freight); the seller pays for shipping and assumes any risk.1. applicant request the issuing bank.2. issuing bank issue letter of credit to advising bank.3. advising bank advise L/C to the beneficiary.4. beneficiary prepare all the documents that the L/C mentioned and then present documents to presenting bank.5. presenting/negotiation bank checking document and then send to the L/C issuing bank or reimbursing bank.6. L/C issuing bank checking document and then remit funds to the presenting bank.The L/C payment procedure is usually as follows:a. You (the importer) applies to open the L/C to us (the seller) through a bank who can open the L/C in your country.b. The opening bank will inform The Bank in Thailand that the L/C has been opened.c. The Bank in Thailand will inform us that the L/C has been established.d. We'll check all the terms and conditions listed in the L/C. Ifall terms and conditions are acceptable, we'll arrange the shipment within the time specified in the L/C.e. After the goods are loaded onto the ship without any damage, the ship agent will issue the clean bill of lading to us.f. We will submit the clean bill of lading and other relevant documents to The Bank of Thailand to gather the payment. Only with clean bill of lading can you claim the ownership of the goods.g. The Bank in Thailand will send the clean bill of lading and relevant documents to your bank (the opening bank). h. The opening bank will inform you that all documents are received.i. You will go to the bank to make the payment to get the clean bill of lading and relevan documents. j. With all of these documents, you can clear the import Customs and pick up the goods after the goods arrive on the destination sea port.\CIFCOST, INSURANCE AND FREIGHT(... named port of destination)“Cost, Insurance and Freight" means that the seller delivers whe nthe goods pass the ship's rail in the port of shipment.The seller must pay the costs and freight necessary to bring the gdods to the named port of destination BUT the risk of loss of or damage to the goods, as well as any additional costs due to events occurring after the time of delivery, are transferred from the seller to the buyer. However, in CIF the seller also has to procure marine insurance against the buyer's risk of loss of or damage to the goods during the carriage.Consequently, the seller contracts for insurance and pays the insurance premium. The buyer should note that under the CIF term the seller is required to obligation insurance only on minimum cover1. Should the buyer wish to have the protection of greater cover, he wouldeither need to agree as such expressly with the seller or to make his own extra insurance arrangements.The CIF term requires the seller to clear the goods for export.This term can be used only for sea and inland waterway transport. If the parties intend to deliver the goods across the ship's rail, the CIP term should be used.CFRCOST AND FREIGHT( ... named port of destinaion)“Cost and Freight means that the seller delivers when the goodspass the ship' s rail in the port of shipment.The seller must pay the costs and freight necessary to bring the goods to the named port of destination BUT the risk of loss of or damage to the goods, as well as any additional costs due to events occurring after the time of delivery, we transferred from the seller to the buyer.The CFR term requires the seller to clear the goods for export.This term can he used only for sea and inland waterway transport. If the parties do not intend to deliver the goods across the ship's rail, the CPT term should be used.FOBFREE ON BOARD(... named port of shipment)“Free on Board" means that the seller delivers when the goods pass the ship''s rail at the named port of shipment. This meansthat the buyer has to bear all costs and risks of loss of or damage to the goods from that point. The FOB term requires the seller to clear the goods for export. This term can be used only for sea or inland waterway transport. If the parties do not intend to deliver the goods across the ship''s rail, the FCA term should he used.Paying Procedures Under Collection and L/CPaying Procedures under Collection:Figure 1 D/P sight1. After shipment of the goods on the contract, the exporter fillsup letter of collecting application and draws sight bill, then sends the bill with shipping documents to the remitting bank for collection.2. The remitting bank writes letter of entrusting collection, which it sends with the sight bill and the shipping documents to thecollecting bank for collection. 3. The collecting bank presents the documentary bill to the importer. 4. The importer pays the bill.5. The collecting bank gives the documents to the buyer.6. The collecting bank transfers account and notifies the remitting bank of the payment.7. The remitting bank transfers account and notifies the exporter of the payment.Paying Procedures under Collection:Figure 2 D/P after sight1. After shipment on the contract, the exporter fills up letter of collecting application and draws time bill, then sends the bill with shipping documents to the remitting bank for collection.2. The remitting bank writes letter of entrusting collection, which it sends with the time bill and the shipping documents to the collecting bank for collection.3. The collecting bank presents the documentarybill to the importer, who accepts the bill and gives it back to the collecting bank.4. The importer pays when the bill is due.5. The collecting bank gives documents to the importer.6. The collecting bank transfers account and notifies the remitting bank of the payment.7. The remitting bank transfers account and notifies the exporter of the payment.Paying Procedures under Collection:Figure 3 D/A1. After shipment on the contract, the exporter fills up letter of collecting application and draws time bill, then sends the bill with shipping documents to the remitting bank for collection.2. The remitting bank writes letter of entrusting collection, which it sends with the time bill and the shipping documents to the collecting bank for collection.3. The collecting bank presents the documentarybill to the importer, who accepts the bill. The collecting bank gets back the accepted bill and gives the documents to the importer. 4. The importer pays when the bill is due.5. The collecting bank transfers account and notifies the remitting bank of the payment.6. The remitting bank transfers account and notifies the exporter of the payment. 信用证Paying Procedures under L/C:1. The importer makes application to the opening bank, which opensL/C to the exporter with service charge.2. The opening bank sends L/C to the advising bank in theexporter’s country.3. The advising band sends L/C to the exporter.4. After shipment, the exporter gets ready all the shipping documents and draws bill of exchange,which the exporter sends to the negotiating bank during the validity of the L/C.5. The negotiating bank pays the exporter deducting services charge and interest.6. The negotiating bank sends the documentary bill to the opening bank for payment.7. The opening bank pays.8. The opening bank notifies the importer to get the documents against payment. 9. The importer pays for the documents and gets thetitle to the goods after payment. The business is done.Notes:1. collection托收2. principal委托人，本人，当事方3. remitting bank托收行4. collecting bank代收行5. payer付款人6. D/P sight即期付款交单7. D/P after sight远期付款交单8. beneficiary 受益人9. advising bank (notifying bank)通知行10. negotiating bank议付行11. opening bank开证行12. paying bank付款行applicant开证申请人 13.14. application申请书15. deduction扣除，扣除额汇付Three kinds of mainstream remittance methods:1: Silver postal remittance.To do a platform for foreign exchange margin usually operate with U.S. dollars, 2000 U.S. Post Office received the following additional transfer cost of 90 yuan custodian banks also charge the cost of around 11 U.S. dollars. Post a maximum of Health 2000 U.S. dollars, can be divided into multiple remittances.2: Bank transfer.Bank transfer charges are 200 yuan a general wire transfers, to transfer notes are generally 300 yuan, custodian banks charge the costof around 11 U.S. dollars. There is no hierarchy bank transfer restrictions, a maximum remittance ID 50000 dollars a year. Bank ofChina to do this business in general the most convenient.3: Credit Card Remittance.There is no fee transfer credit card withdrawals. Generally require1. To avoid fees.2. The maximum amount of each remittance limit of 5000 dollars.3. Visa (VISA), MasterCard (Mastercard) most effective.4. Debit Card (Debit) only applies to customers in the U.S. and overseas customers need to use the credit card (Credit).5. Income is generally the amount of real-time arrived, to a maximumof one working day canbe Daozhang.6. Credit card remittances in U.S. dollars to do clearing, holdingdual-currency credit card consumption, the formation of foreign exchange advances, you can use yuan to purchase foreign exchange to repay their own, the relevant exchange rate could check the card-issuing institution.Credit Card needed to meet the conditions that: 1) is aninternational credit card 2) launched an online consumer 3) is a credit card, you can advance the general domestic VISA or MasterCard cards can.The above three kinds of remittance methods have a special postoffice and bank transfer form filled out credit card to pay even more money directly to the Internet quickly and conveniently.。

开证人（Applicant） 1.签订合同，并约定信用证付款受益人（Beneficiary) Buyer）偿付行/开证行（买方地银行）通知行/议付行(卖方地银行)（Reimbursing Bank)/(issuing Bank)(Advising Bank)/(Negotiating Bank)信用证L/C的业务流程在国际贸易结算中使用的跟单信用证有不同的类型，其业务程序也各有特点，但都要经过申请开证、开证、通知、交单、付款、赎单这几个环节。

现以最常见的议付信用证为例，说明其业务程序。

议付信用证业务程序具体如下进出口双方签署买卖合同中规定以信用证方式支付货款。

于是：A.申请开证开证申请人即为合同的进口方，应按合同规定的期限向所在地银行申请开证。

申请开证时，申请人应填写并向银行递交开证申请书，开证申请书的内容包括两个方面：一是指示银行开立信用证的具体内容，该内容应与合同条款相一致，是开证行凭以向受益人或议付行付款的依据。

对于这一部分内容，申请人也可附上合同，由银行据以缮制信用证后交申请人确认。

二是关于信用证业务中申请人和开证行之间权利和义务关系的声明。

其基本内容包括：申请人承认在付清货款前开证行对单据及其代表的货物拥有所有权，必要时，开证行可以出售货物，以抵付进口人的欠款；承认开证行有权接受“表面上合格”的单据，对于伪造单据、货物与单据不符或货物中途灭失、受损、延迟到达，开证行概不负责；保证单据到达后如期付款赎单，否则，开证行有权没收申请人所交付的押金，以充当申请人应付价金的一部分；承认电讯传递中如有错误、遗漏或单据邮递损失等，银行不负责任。

开证申请书内容应完整明确，为防止混淆和误解，不要加注过多的细节.申请人申请开证时，应向开证行交付一定比例的押金或其他担保品，押金为信用证金额的百分之几到几十，其高低由开证行规定，与申请人的资信和市场行情有关。

对于资信良好的客户，有的银行会授以一定的开证额度，在规定额度内开证，可免交保证金。

信用证流程英语简述英文回答：Letter of Credit is a banking arrangement where a bank (the issuing bank) acts on behalf of the buyer (the importer) to guarantee payment to the seller (the exporter) upon presentation of certain documents, typically including a bill of lading, invoice, and other required documents.The process of a Letter of Credit typically involves the following steps:1. Application: The importer applies to their bank fora Letter of Credit. The application specifies the terms and conditions of the Letter of Credit, including the amount, expiration date, and required documents.2. Issuance: The issuing bank reviews the application and, if approved, issues a Letter of Credit. The Letter of Credit is sent to the exporter.3. Confirmation: The exporter may request that the Letter of Credit be confirmed by a bank in its own country. This provides the exporter with additional assurance that payment will be made.4. Shipment: The exporter ships the goods to the importer and obtains a bill of lading and invoice.5. Presentation of Documents: The exporter presents the required documents, including the bill of lading, invoice, and any other required documents, to the issuing bank.6. Payment: The issuing bank reviews the documents and, if they conform to the terms of the Letter of Credit, makes payment to the exporter.The Letter of Credit process is a secure and convenient way to facilitate international trade. It provides both the buyer and seller with assurance that the transaction will be completed as agreed.中文回答：信用证是一种银行安排，银行（发行银行）代表买方（进口商）在卖方（出口商）出具提单、发票和其他所需的单据后，保证向卖方付款。

信用证的使用流程（英文）1. IntroductionIn international trade, a letter of credit, also known as a documentary credit, is a widely used payment method that provides a secure way for buyers and sellers to conduct business. This document outlines the step-by-step process of using a letter of credit in international trade transactions.2. Initial Negotiations1.Seller and buyer negotiate the terms of the trade, including the price,quantity, and delivery terms.2.Agreement is reached on the use of a letter of credit as the paymentmethod.3. Buyer Applies for a Letter of Credit1.Buyer contacts their bank to apply for a letter of credit.2.Required documents and information are provided to the bank,including:–Proforma invoice or sales contract–Description of goods and quantity–Delivery terms and shipping details–Payment terms and conditions–Any additional documents requested by the bank4. Bank Evaluates the Application1.The bank reviews the buyer’s application and verifies the provideddocuments.2.The bank assesses the buyer’s creditworthiness and determines theletter of credit terms, such as the credit amount and expiry date.3.The bank may request additional information or clarification from thebuyer or seller.5. Bank Issues the Letter of Credit1.Once the application is approved, the bank issues the letter of credit tothe seller’s bank, also known as the advising bank or confirming bank.2.The letter of credit includes details such as:–Buyer and seller’s names and addresses–Amount of the credit–Expiry date and place of expiry–Documents required for payment–Any special conditions or instructions6. Advising Bank Notifies the Seller1.The advising bank receives the letter of credit and verifies its authenticity.2.The advising bank informs the seller about the letter of credit and provides instructions on how to proceed with the trade transaction.3.The seller may request amendments to the letter of credit if necessary.7. Seller Ships the Goods1.The seller prepares the goods for shipment according to the terms and conditions stated in the letter of credit.2.The seller obtains the required documents, such as:–Commercial invoice–Bill of lading or airway bill–Packing list–Certificate of origin–Inspection certificate, if applicable8. Seller Presents Documents to the Bank1.The seller submits the required documents to their bank, also known as the negotiating bank.2.The bank examines the documents to ensure compliance with the terms of the letter of credit.3.If the documents are in order, the bank forwards them to the buyer’s bank for payment.9. Bank Reviews and Processes the Documents1.The buyer’s bank reviews the submitted documents and checks for any discrepancies.2.If the documents are compliant, the bank processes the payment to the seller.3.If discrepancies are found, the bank notifies the buyer and requests instructions on how to proceed.10. Buyer Makes Payment to the Bank1.Upon receiving the payment request from the seller’s bank, the buyer is obligated to make payment according to the terms of the letter of credit.2.The buyer’s bank debits the buyer’s account for the payment amount and transfers the funds to the seller’s bank.11. Bank Releases the Documents to the Buyer1.After receiving the payment, the seller’s bank releases the documentsto the buyer.2.The buyer can now obtain possession of the goods by presenting thereleased documents to the relevant authorities or shipping company.12. ConclusionThe usage of a letter of credit provides security and assurance for both buyers and sellers in international trade transactions. By following the outlined process, parties can effectively manage the payment and documentation aspects of their trade deals, ensuring successful and smooth transactions.。