信用证操作中的常见英文详解

信用证中英文（一）、各方当事人在信用证中的表述文句（THE PARTIES CONCERNING TO THE CREDIT）⑴开证人（The Applicant for the credit）信用证的开立是由进口商向银行申请办理的。

开证人指的就是进口商。

词汇和词组：Applicant/Principal/Accountee/ Accreditor / OpenerAt the request of………应。

的请求By order of…………按。

的指示For account of………由。

付款At the request of and for…….应。

的请求Account of ……..并由。

付款By order of and for account of ……….按。

的指示并由。

付款⑵受益人（The beneficiary）受益人一般就是出口商。

词汇或词组有：Beneficiary 受益人In favour of …….以。

为受益人In your favour……..以你方为受益人Transferor………转让人（可转让信用证的第一受益人）Transferee……….受让人（可转让信用证的第二受益人）⑶开证行（The Opening Bank）应开证人要求开立信用证的银行叫开证行。

词汇和词组：Opening BankIssuing BankEstablishing Bank①通知行（Advising Bank）开证行将信用证寄送的一家受益人所在地的银行，并通过该银行通知受益人信用证开出，这家银行就是通知行。

词汇和词组：Advising BankNotifying BankAdvised through②议付行（The Negotiation bank）议付行就是购买出口商的汇票及审核信用证项下规定单据的银行。

词汇或词组有：Negotiation BankHonouring Bank③付款行（Paying Bank）付款行就是经开证行授权按信用证规定的条件向受益人付款的银行.Paying BankDrawee Bank④保兑行（confirming Bank）保兑行就是对开证行开立的信用证进行保兑的银行，通常以通知行作为保兑行，或者是第三家银行。

信用证中英文对照Applicant 开户申请人（买方），开证行，Advising Bank通知行，Beneficiary受益人（卖方），Negotiation Bank议付行，Paying Bank付款行，Confirming Bank保兑行。

快捷键【50】是买方，快捷键【59】是卖方，快捷键【42D】是付款行信用证的性质一般为IRREVOCABLE，即不可撤销。

快捷键【40A】。

开证号码Letter of Credit Number...开证日期Date of Issue...开证日期快捷键【31C】开证号码快捷键【20】快捷键【31D】快捷键【32B】①承兑方式Available with...by... 条件条件分两种，第一种ANY BANK BY NEGOTIATION表示银行付款后没有追索权，ANY BANK BY PAYMENT表示有追索权即有权限要回已付给你的钱。

快捷键【41D】②出票条件Drafts at...快捷键【42C】DRAFT DRAWN UNDER THIS CREDIT MUST BE ENDORSED AND CONTAIN THE CLAUSE,DRAWN UNDER INDUSTRIAL BANK OF KOREA,SEOUL,LETTER OF CREDIT NO........本证项下的汇票须背书并注明出票条款为“DRAWN UNDER INDUSTRIAL BANK OF KOREA,SEOUL,LETTER OF CREDIT NO........”一般有分装不允许，转船不允许，起运港，目的港，最迟装运期【43P】表示分批装运，【43T】表示转运，【44A】表示起运港，【44B】表示目的港，【44C】表示最迟装运期。

快捷键【45A】一般是贸易方式，比如FOB、CFR、CIF、FCA 、CPT、CIP票据要求，快捷键【46A】1). BENEFICIARY'S SIGNED COMMERCIAL INVOICE IN OCTUPLICATE CERTIFYING MERCHANDISE TO BE OF CHINA ORIGIN.受益人签署的商业发票一式八份须证实商品为中国原产。

信用证业务名词解释信用证是一种国际贸易中常用的支付工具，涉及到许多专业术语。

以下是一些与信用证业务相关的常见名词解释：1.信用证(Letter of Credit, L/C)：一种由银行为买卖双方提供的支付保障，以确保卖方在完成交付后能够获得支付。

2.申请人(Applicant)：也称为开证申请人，即购货方，向银行发出开立信用证的请求。

3.受益人(Beneficiary)：即卖方，是在信用证中指定的收款方，可以获得支付。

4.开证行(Issuing Bank)：发出信用证的银行，代表申请人对受益人承诺支付。

5.通知行(Advising Bank)：信用证开立行通知信用证内容给受益人的银行，通常是受益人的本地银行。

6.信用证号码(L/C Number)：每个信用证都有一个独特的标识号码，用于识别和追踪该信用证。

7.有效期(Validity Period)：信用证生效的时间范围，包括开证日期和截止日期。

8.装运单(Bill of Lading)：证明货物已经被装运的文件，通常是信用证中要求提供的一种文件。

9.汇票(Draft)：受益人向开证行提交的、规定了支付金额和支付日期的支付工具。

10.议付行(Negotiating Bank)：负责向出口商支付货款，并向开证行索取款项的银行。

11.合理信仰(Reasonable Belief)：银行在处理信用证事务时应当合理相信相关文件的真实性和合规性。

12.不可撤销信用证(Irrevocable Letter of Credit)：一旦开出，除非所有相关方同意，否则不能修改或撤销的信用证。

13.可撤销信用证(Revocable Letter of Credit)：开证行在未通知受益人的情况下可以修改或取消的信用证。

14.跟单信用证(Documentary Letter of Credit)：要求提供一系列与货物装运和付款相关的文件的信用证。

这些名词代表了信用证业务中的关键概念，理解它们有助于参与国际贸易的各方更好地管理和执行交易。

信用证中常用英文词语解释一. against 在L/C 中的高频率出现及正确理解。

我们常见的against 是介词, 通常意为“反对”( indicating opposite ion) , 例如:Public opinion was against the Bill. 舆论反对此法案。

The resolution was adopted by a vote of 30 in favor to 4 against it. 议以30 票同意、4 票反对获得通过。

另外还有“用. . . 交换, 用. . . 兑付”之意。

如:“the rates against U. S. dollars”中的against 就是指美元兑换率。

但在信用证中常出现的against 这个词及词义却另有所指, 一般词典无其释义及相关用法。

注意以下两个出现在信用证句中的against 之意, 其意思是凭. . . ”“以. . . ”(“take as the basis ” or meaning of “by”)。

而不是“以. . . 为背景”“反对”“对照”“兑换”或其他什么意思。

1. This credit valid until September 17, 2001 in Switzerland for payment available against the presentation of following documents. . . 本信用证在2001年9月17日在瑞土到期前, 凭提交以下单据付款. . . . . .2. Documents bearing discrepancies must no t be negotiated against guarantee and reserve. 含有不符点的单据凭保函或在保留下不能议付。

3. The payment is available at sight against the following documents. 凭下列单据即期付款。

1．IRREVOCABLE DOCUMENTARY CREDIT 不可撤销的跟单信用证2．ADVISING BANK COMMODITY/GOODS 通知行商品/货物3．APPLICANT 4．BENEFICIARY 申请人受益人5．AMOUNT 6．EXPIRY DATE金额有效期7．AT SIGHT 即期8. DUPLICATE TRIPLICATE一式两份一式三份QUADRUPLICATE QUINTUPLICATE一式四份一式五份SEXTUPLICATE SEPTUPLICATE一式六份一式七份OCTUPLICATE一式八份9.根据信用证填制汇票信用证：汇票Draw on+ US 由开证行付款TO+开证行THEM 由付款行付款+付款行APPLICANT 由开证人付款+开证人10.信用证单据要求里MADE OUT 后面是提单consignee 栏内填写内容NOTIFY 后面是提单notify party栏内填写内容(如写NOTIFY APPLICANT 则提单notify party栏内填写应填写开证申请人全称)FREIGHT PREPAID 运费预付COLLECTION 到付11.月份全称和简写JANUARY 一月JANFEBRUARY 二月 FEBMARCH 三月MARAPRIL 四月 APRMAY 五月MAYJUNE 六月 JUNJULY 七月JULAUGUST 八月 AUGSEPTEMBER 九月SEP.OCTOBER 十月 OCT.NOVEMBER十一月NOV.DECEMBER 十二月 DEC.48．PARTIAL SHIPMENT：PERMITTED / ALLOWD 准许分批装运PROHIBITED /NOT ALLOWED 不允许49．TRANSHIPMENT：ALLOWED90. VESSEL NAME（S．S．STEAM SHIP）（M．V．MOTOR VESSEL）船名VOYAGE NO．航次号1、基数词：需要特别注意的几个数字分界点：Hundred, thousand, million, billion.几个需要注意的数字：twelve, thirteen, fourteen, fifteen, twenty, thirty, forty, fifty, nineteen, ninety,数字的表示注意事项：百和十之间有AND,千与百之间没有AND，如：4890，写作：FOUR THOUSAND EIGHT HUNDRED AND NINETY分用CENTS 后面接数字0.5 CENTS FIFTY数字的大写要注意。

信用证常用英语词汇整理信用证常用英语词汇整理Untransferable L/C 不可转让信用证Revolving L/C 循环信用证Reciprocal L/C 对开信用证Back to Back L/C 背对背信用证Countervailing credit （俗称）子证Overriding credit 母证Banker's Acceptance L/C 银行承兑信用证Trade Acceptance L/C 商业承兑信用证Red Clause L/C 红条款信用证Anticipatory L/C 预支信用证Credit payable by a trader 商业付款信用证Credit payable by a bank 银行付款信用证usance credit payment at sight 假远期信用证Uniform Customs and Practice for Documentary Credits 跟单信用证统一惯例I.C.C. Publication No.400 第400号出版物Credit with T/T Reimbursement Clause 带有电报索汇条款的信用证method of reimbursement 索汇方法without recourse 不受追索Opening Bank' Name & Signature 开证行名称及签字beneficiary 受益人guarantor 保证人Exporter's Bank 出口方银行Importer's Bank 进口方银行Seller's Bank 卖方银行Buyer's Bank 买方银行Paying Bank 付款行，汇入行Remitting Bank 汇出行Opening Bank 开证行Issuing Bank 开证行Advising Bank 通知行Notifying Bank 通知行Negotiating Bank 议付行Drawee Bank 付款行Confirming Bank 保兑行Presenting Bank 提示行Transmitting Bank 转递行Accepting Bank 承兑行Additional Words and Phrasespay bearer 付给某人bearer 来人payer 付款人consignee 受托人consignor 委托人drawer 出票人principal 委托人drawee 付款人consingnee 受托人truster 信托人acceptor 承兑人trustee 被信托人endorser 背书人discount 贴现endorsee 被背书人endorse 背书holder 持票人endorsement 背书bailee 受托人，代保管人payment against documents 凭单付款payment against documents through collection 凭单托收付款payment by acceptance 承兑付款payment by bill 凭汇票付款Letter of Guarantee (L/G) 保证书Bank Guarantee 银行保函Contract Guarantee 合约保函Payment Guarantee 付款保证书Repayment Guarantee 还款保证书Import Guarantee 进口保证书Tender/Bid Guarantee 投标保证书Performance Guarantee 履约保证书Retention Money Guarantee 保留金保证书Documents of title to the goods 物权凭证Authority to Purchase (A/P) 委托购买证Letter of Indication 印鉴核对卡Letter of Hypothecation 质押书General Letter of Hypothecation 总质押书。

索偿⽂句In Reimbursement1.instruction to the negotiation bank 对议付⾏指⽰(1)the amount and date of negotiation of each draft must be endorsed on reverse hereof by the negotiation bank 每份汇票的议付⾦额和⽇期必须由议付⾏在本证背⾯签注(2)without you confirmation （本证）⽆需你⾏保兑(3)documents must be sent by consecutive airmails 单据须分别由连续航次邮寄（注：即不要将两套或数套单据同⼀航次寄出）(4)all original documents are to be forwarded to us by air mail and duplicate documents by sea-mail 全部单据的正本须⽤航邮，副本⽤平邮寄交我⾏(5)please despatch the first set of documents including three copies of commercial invoices direct to us by registered airmail and the second set by following airmail 请将包括3份商业发票在内的第⼀套单据⽤挂号航邮经寄我⾏，第⼆套单据在下⼀次航邮寄出(6)original documents must be snet by Registered airmail, and duplicate by subsequent airmail 单据的正本须⽤挂号航邮寄送，副本在下⼀班航邮寄送(7)documents must by sent by successive (or succeeding) airmails 单据要由连续航邮寄送(9)all documents made out in English must be sent to out bank in one lot ⽤英⽂缮制的所有单据须⼀次寄交我⾏2.method of reimbursement 索偿办法(1)after negotiation, you may reimburse yourselves by debiting our RMB￥ account with you, please forward all relative documents in one lot to us by airmail 议付后请借记我⾏在你⾏开⽴的⼈民币帐户，并将全部有关单据⽤航邮⼀次寄给我⾏(2)all bank charges outside U.K. are for our principals account, but must claimed at the time of presentation of documents 在英国境外发⽣的所有银⾏费⽤，应由开证⼈负担，但须在提交单据是索取(3)negotiating bank may claim reimbursement by T.T. on the…bank 议付⾏可向……银⾏电索。

信用证常用语中英文翻译【世贸人才网：国际贸易人才门户更新时间：2009-03-10 】【来源:外贸论坛】信用证类别Kinds of L/C1.revocable L/C/irrevocable L/C 可撤销信用证/不可撤销信用证2.confirmed L/C/unconfirmed L/C 保兑信用证/不保兑信用证3.sight L/C/usance L/C 即期信用证/远期信用证4.transferable/untransferable L/C 可转让信用证/不可转让信用证5.divisible L/C/undivisible L/C 可分割信用证/不可分割信用证6.revolving L/C 循环信用证7.L/C with T/T reimbursement clause 带电汇条款信用证8.without recourse L/C/with recourse L/C 无追索权信用证/有追索权信用证9.documentary L/C/clean L/C 跟单信用证/光票信用证10.deferred payment L/C/anticipatory L/C 延付信用证/预支信用证11.back to back L/Creciprocal L/C 对背信用证/对开信用证12.standby L/C 备用信用证有关当事人Names of Parties Concerned1.opener 开证人(1)applicant 开证人(申请开证人)(2)principal 开证人(委托开证人)(3)accountee 开证人(4)accreditor 开证人(委托开证人)(5)opener 开证人(6)for account of ... 付(某人)帐(7)at the request of ... 应(某人)请求(8)on behalf of ... 代表某人(9)by order of ... 奉(某人)之命(10)by order of and for account of ... 奉(某人)之命并付其帐户(11)at the request of and for account of ... 应(某人)得要求并付其帐户(12)in accordance with instruction received from accreditors 根据已收到的委托开证人得指示2.beneficiary 受益人(1)beneficiary 受益人(2)in favour of……以(某人)为受益人(3)in one’s favour 以……为受益人(4)favouring yourselves 以你本人为受益人3.drawee 付款人(或称受票人，指汇票)(1)to drawn on (or :upon) 以(某人)为付款人(2)to value on 以(某人)为付款人(3)to issued on 以(某人)为付款人4.drawer 出票人5.advising bank 通知行(1)advising bank 通知行(2)the notifying bank 通知行(3)advised through…bank 通过……银行通知6.opening bank 开证行(1)opening bank 开证行(2)issuing bank 开证行(3)establishing bank 开证行7.negotiating bank 议付行8.paying bank 付款行9.reimbursing bank 偿付行10.confirming bank 保兑行信用证金额Amount of the L/C1.amount RMB￥… 金额：人民币2.up to an aggregate amount of Hongkong Dollars… 累计金额最高为港币……3.for a sum (or :sums) not exceeding a total of GBP… 总金额不得超过英镑……4.to the extent of HKD… 总金额为港币……5.for the amount of USD… 金额为美元……6.for an amount not exceeding total of JPY… 金额的总数不得超过……日元的限度跟单文句The Stipulations for the shipping Documentsavailable against surrender of the following documents bearing our credit number 凭提交下列注明本证号码的单据付款1. drafts to be accompanied by the documents marked(×)below 汇票须随附下列注有(×)的单据2. accompanied against to documents hereinafter 随附下列单据[NextPage]汇票Draft(Bill of Exchange)1.the kinds of drafts 汇票种类(1)available by drafts at sight 凭即期汇票付款(2)draft(s) to be drawn at 30 days sight 开立30天的期票(3)sight drafs 即期汇票(4)tenor drafts 远期汇票2.drawn clauses 出票条款(注：即出具汇票的法律依据)(1)all darfts drawn under this credit must contain the clause “Drafts drawn Under Bank of…credit No.…dated…” 本证项下开具的汇票须注明“本汇票系凭……银行……年……月……日第…号信用证下开具”的条款(2)drafts are to be drawn in duplicate to our order bearing the clause “Drawn under United Malayan Banking Corp.Bhd.Irrevocable Letter of Credit No.…dated July 12, 1978” 汇票一式两份，以我行为抬头，并注明“根据马来西亚联合银行1978年7月12日第……号不可撤销信用证项下开立”(3)draft(s) drawn under this credit to be marked：“Drawn under…Bank L/C No.……Dated (issuing date of credit)” 根据本证开出得汇票须注明“凭……银行……年……月……日(按开证日期)第……号不可撤销信用证项下开立”(4)drafts in duplicate at sight bearing the clauses“Drawn under…L/C No.…dated…” 即期汇票一式两份，注明“根据……银行信用证……号，日期……开具”(5)draft(s) so drawn must be in scribed with the number and date of this L/C 开具的汇票须注上本证的号码和日期(6)draft(s) bearing the clause：“Drawn under documentary credit No.…(shown above) of…Bank” 汇票注明“根据……银行跟单信用证……号(如上所示)项下开立”发票Invoice1.signed commercial invoice 已签署的商业发票in duplicate 一式两份in triplicate 一式三份in quadruplicate 一式四份in quintuplicate 一式五份in ***tuplicate 一式六份in septuplicate 一式七份in octuplicate 一式八份in nonuplicate 一式九份in decuplicate 一式十份2.beneficiary’s original signed commercial invoices at least in 8 copies issued in the name of the buyer indicating (showing/evidencing/specifying/declaration of) the merchandise, country of origin and any other relevant information. 以买方的名义开具、注明商品名称、原产国及其他有关资料，并经签署的受益人的商业发票正本至少一式八份3.Signed attested invoice combined with certificate of origin and value in 6 copies as reuired for imports into Nigeria. 以签署的，连同产地证明和货物价值的，输入尼日利亚的联合发票一式六份4.beneficiary must certify on the invoice…have be en sent to the accountee 受益人须在发票上证明，已将……寄交开证人5.4% discount should be deducted from total amount of the commercial invoice 商业发票的总金额须扣除4%折扣6.invoice must be showed: under A/P No.… date of expiry 19th Jan. 1981 发票须表明：根据第……号购买证，到期日为1981年1月19日7.documents in combined form are not acceptable 不接受联合单据bined invoice is not acceptable 不接受联合发票提单Bill of Loading1.full set shipping (company’s) clean on board bill(s) of lading marked “Freight Prepaid“ to order of shipper endorsed to … Bank, notifying buyers 全套装船(公司的)洁净已装船提单应注明“运费付讫”，作为以装船人指示为抬头、背书给……银行，通知买方2.bills of lading made out in negotiable form 作成可议付形式的提单3.clean shipped on board ocean bills of lading to order and endorsed in blank marked “Freight Prepaid“ notify: importer(openers,accountee) 洁净已装船的提单空白抬头并空白背书，注明“运费付讫”，通知进口人(开证人)4.full set of clean “on board“ bills of lading/cargo receipt made out to our order/to order and endorsed in blank notify buyers M/S … Co. calling for shipment from China to Hamburg marked “Freight prepaid“ / “Frei ght Payable at Destination“ 全套洁净“已装船”提单/货运收据作成以我(行)为抬头/空白抬头，空白背书，通知买方……公司，要求货物字中国运往汉堡，注明“运费付讫”/“运费在目的港付”5.bills of lading issued in the name of… 提单以……为抬头6.bills of lading must be dated not before the date of this credit and not later than Aug. 15, 1977 提单日期不得早于本证的日期，也不得迟于1977年8月15日7.bill of lading marked notify: buyer,“Freight Prepaid”“Liner terms”“received for shipment” B/L not acceptable 提单注明通知买方，“运费预付”按“班轮条件”，“备运提单”不接受8.non-negotiable copy of bills of lading 不可议付的提单副本(作者：Dearjacky)[NextPage]保险(二)the stipulations for insurance 保险条款(1)marine insurance policy 海运保险单(2)specific policy 单独保险单(3)voyage policy 航程保险单(4)time policy 期限保险单(5)floating policy (or open policy) 流动保险单(6)ocean marine cargo clauses 海洋运输货物保险条款(7)ocean marine insurance clauses (frozen products) 海洋运输冷藏货物保险条款(8)ocean marine cargo war clauses 海洋运输货物战争险条款(9)ocean marine insurance clauses (woodoil in bulk) 海洋运输散装桐油保险条款(10)overland transportation insurance clauses (train, trucks) 陆上运输货物保险条款(火车、汽车)(11)overland transportation insurance clauses (frozen products) 陆上运输冷藏货物保险条款(12)air transportation cargo insurance clauses 航空运输货物保险条款(13)air transportation cargo war risk clauses 航空运输货物战争险条款(14)parcel post insurance clauses 邮包保险条款(15)parcel post war risk insurance clauses 邮包战争保险条款(16)livestock & poultry insurance clauses (by sea, land or air) 活牲畜、家禽的海上、陆上、航空保险条款(17)…risks clauses of the P.I.C.C. subject to C.I.C. 根据中国人民保险公司的保险条款投保……险(18)marine insurance policies or certificates in negotiable form, for 110% full CIF invoice covering the risks of War & W.A. as per the People’s Insurance Co. of China dated 1/1/1976. with extended cover up to Kuala Lumpur with claims payable in (at) Kuala Lumpur in the currency of draft (irrespective of percentage) 作为可议付格式的海运保险单或凭证按照到岸价的发票金额110%投保中国人民保险公司1976年1月1日的战争险和基本险，负责到吉隆坡为止。

信用证操作中常见的英文详解信用证类别Kinds of L/C1.revocable L/C/irrevocable L/C 可撤销信用证/不可撤销信用证2.confirmed L/C/unconfirmed L/C 保兑信用证/不保兑信用证3.sight L/C/usance L/C 即期信用证/远期信用证4.transferable/untransferable L/C 可转让信用证/不可转让信用证5.divisible L/C/undivisible L/C 可分割信用证/不可分割信用证6.revolving L/C 循环信用证7.L/C with T/T reimbursement clause 带电汇条款信用证8.without recourse L/C/with recourse L/C 无追索权信用证/有追索权信用证9.documentary L/C/clean L/C 跟单信用证/光票信用证10.deferred payment L/C/anticipatory L/C 延付信用证/预支信用证11.back to back L/C reciprocal L/C 对背信用证/对开信用证12.standby L/C 备用信用证有关当事人Names of Parties Concerned1.opener 开证人(1)applicant 开证人(申请开证人)(2)principal 开证人(委托开证人)(3)accountee 开证人(4)accreditor 开证人(委托开证人)(5)opener 开证人(6)for account of ... 付(某人)帐(7)at the request of ... 应(某人)请求(8)on behalf of ... 代表某人(9)by order of ... 奉(某人)之命(10)by order of and for account of ... 奉(某人)之命并付其帐户(11)at the request of and for account of ... 应(某人)得要求并付其帐户(12)in accordance with instruction received from accreditors 根据已收到的委托开证人得指示2.beneficiary 受益人(1)beneficiary 受益人(2)in favour of。

信用证常用术语（中英文版）第一篇：信用证常用术语(中英文版)信用证常用术语信用证常用术语We insist on a letter of credit.我们坚持用信用证方式付款。

As I've said, we require payment by L/C.我已经说过了，我们要求以信用证付款。

We still intend to use letter of credit as the term of payment.我们仍然想用信用证付款方式。

We always require L/C for our exports.我们出口一向要求以信用证付款。

L/C at sight is normal for our exports to France.我们向法国出口一般使用即期信用证付款。

We pay by L/C for our imports.进口我们也采用信用证汇款。

Our terms of payment is confirmed and irrevocable letter of credit.我们的付款条件是保兑的不可撤消的信用证。

You must be aware that an irrevocable L/C gives the exporter the additional protection of banker's guarantee.你必须意识到不可撤消信用证为出口商提供了银行担保。

Is the wording of “confirmed” necessary for the letter of credit?信用证上还用写明“保兑”字样吗？For payment we require 100% value, irrevocable L/C in our favour with partial shipment allowed clause available by draft at sight.我们要求用不可撤消的、允许分批装运、金额为全部货款、并以我方为抬头人的信用证，凭即期汇票支付。