THE INTERNATIONAL STANDBY PRACTICES（ISP98）

备用信用证统一惯例

（国际商会590号出版物 ICC PABLICATION NO. 590 ）

 

TABLE OF CONTENTS 总目录

From Section: GENERAL PROVISIONS总则

Scope, Application, Definitions, and Interpretation of These Rules 范围、适用、定义和解释

1.01 Scope and Application范围和适用

1.02 Relationship to Law and Other Rules与法律和其它规则的关系

1.03 Interpretative Principles解释的原则

1.04 Effect of the Rules本规则的效力

1.05 Exclusion of Matters Related to Due Issuance and Fraudulent or Abusive Drawing

1.06 Nature of Standbys备用证的性质

1.07 Independence of the Issuer-Beneficiary Relationship开证人--受益人关系的独立性

1.08 Limits to Responsibilities责任限制

1.09 Defined Terms术语定义

1.10 Redundant or Otherwise Undesirable Terms多余的或不宜使用的术语

1.11 Interpretation of These Rules

 

From Section: OBLIGATIONS规则2: 义务

2.01 Undertaking to Honour by Issuer and Any Confirmer to Beneficiary

2.01开证人和保兑人对受益人的承付承诺

2.02 Obligation of Different Branches, Agencies, or Other Offices

2.03 Conditions to Issuance开证条件

2.04 Nomination指定

2.05 Advice of Standby or Amendment备用证或修改的通知

2.06 When an Amendment is Authorised and Binding授权修改和具有约束力的时间

2.07 Routing of Amendments修改的传送

 

From Section: PRESENTATIONS规则3:提示

3.01 Complying Presentation Under a Standby备用证下的相符提示

3.02 What Constitutes a Presentation提示的构成

3.03 Identification of Standby备用证的标明

3.04 Where and to Whom Complying Presentation Made作出相符提示的地点和对象

3.05 When Timely Presentation Made何为及时提示

3.06 Complying Medium of Presentation相符的提示载体

3.07 Separateness of Each Presentation每次提示的单独性

3.08 Partial Drawing and Multiple Presentations; Amount of Drawings

部分提款和多次提示;提款金额

3.09 Extend or Pay展期或付款

3.10 No Notice of Receipt of Presentation无需通知收到提示

3.11 Issuer Waiver and Applicant Consent to Waiver of Presentation Rules

开证人放弃和申请人同意放弃提示规则

3.12 Original Standby Lost, Stolen, Mutilated, or Destroyed

备用证正本丢失、遭窃、受损或毁坏

3.13 Expiration Date on a Non-Business Day到期日是非营业日

3.14 Closure on a Business Day and Authorization of Another Reasonable Place for Presentation

在营业日的停业及授权在另一个合理地点作出提示

 

 

From Section: EXAMINATION规则4:审核

4.01 Examination for Compliance对相符的审核

4.02 Non-Examination of Extraneous Documents多余单据的不审核

4.03 Examination for Inconsistency是否一致的审核

4.04 Language of Documents单据的语言

4.05 Issuer of Documents单据的出具者

4.06 Date of Documents单据日期

4.07 Required Signature on a Document单据上要求的签名

4.08 Demand Document Implied默示要求的索款单据

4.09 Identical Wording and Quotation Marks同一的措词及引号如果备用证要求:

4.10 Applicant Approval申请人的批准

4.11 Non-Documentary Terms or Conditions非单据条件

4.12 Formality of Statements in Documents单据中的声明应履行的手续

4.13 No Responsibility to Identify Beneficiary无验明受益人身份的责任

4.14 Name of Acquired or Merged Issuer or Confirmer被购并或合并的开证人或保兑人的名称

4.15 Original, Copy, and Multiple Documents正本、副本及一式多份的单据

4.16 Demand for Payment

4.17 Statement of Default or Other Drawing Event违约或其它提款事由的声明

4.18 Negotiable Documents可流通的单据

4.19 Legal or Judicial Documents法律或司法文件

4.20 Other Documents其他单据

4.21 Request to Issue Separate Undertaking开立单独承诺的要求

 

From Section: NOTICE, PRECLUSION, AND DISPOSITION OF DOCUMENTS

规则5:单据的通知、排除和处理

5.01 Timely Notice of Dishonour及时的拒付通知

5.02 Statement of Grounds for Dishonour拒付理由的声明

5.03 Failure to Give Timely Notice of Dishonour没有及时发出拒付通知

5.04 Notice of Expiry逾效期的通知

5.05 Issuer Request for Applicant Waiver without Request by Presenter

开证人未经提示人要求而请求申请人放弃不符点

5.06 Issuer Request for Applicant Waiver upon Request of Presenter

经提示人要求,开证人请求申请人放弃不符点

5.07 Disposition of Documents单据的处置

5.08 Cover Instructions/Transmittal Letter面函指示/发件函

5.09 Applicant Notice of Objection申请人的异议通知

 

From Section: TRANSFER, ASSIGNMENT, AND TRANSFER BY OPERATION OF LAW

规则6:转让、让渡及因法律规定的转让

6.01 Request to Transfer Drawing Rights请求转让提款权利

6.02 When Drawing Rights are Transferable提款权利何时可转让

6.03 Conditions to Transfer转让条件

6.04 Effect of Transfer on Required Documents转让对要求提交的单据的影晌

6.05 Reimbursement for Payment Based on a Transfer转让付款的偿付

6.06 Assignment of Proceeds款项让渡

6.07 Request for Acknowledgment请求确认

6.08 Conditions to Acknowledgment of Assignment of Proceeds确认款项让渡的条件

6.09 Conflicting Claims to Proceeds对款项相互冲突的数项请求

6.10 Reimbursement for Payment Based on an Assignment对让渡付款的偿付

6.11 Transferee by Operation of Law法律规定的受让人

6.12 Additional Document in Event of Drawing in Successor's Name

以承继人的名义提款需提交的额外单据

6.13 Suspension of Obligations upon Presentation by Successor

在承继人提示时义务的暂停履行

6.14 Reimbursement for Payment Based on a Transfer by Operation of Law

对因法律规定而转让的付款的偿付

7.01 When an Irrevocable Standby is Cancelled or Terminated

不可撤销的备用证被撤销或终止的时间

7.02 Issuer's Discretion Regarding a Decision to Cancel开证人有关撤销决定的自主权

 

From Section: REIMBURSEMENT OBLIGATIONS

8.01 Right to Reimbursement获得偿付的权利

8.02 Charges for Fees and Costs费用和成本的支付

8.03 Refund of Reimbursement偿付的退还

 

From Section: TIMING规则9：时间安排

9.01 Duration of Standby备用证持续的时间

9.02 Effect of Expiration on Nominated Person到期日对指定的影响

9.03 Calculation of Time时间的计算

9.04 Time of Day of Expiration到期日的时间

9.05 Retention of Standby备用证的保留

 

From Section: SYNDICATION, PARTICIPATION规则10:联合开证/权益份额

10.01 Syndication联合开证

10.02 Participation权益份额

 

From Section: GENERAL PROVISIONS总则

Scope, Application, Definitions, and Interpretation of These Rules 范围、适用、定义和解释

1.01 Scope and Application范围和适用

a. These Rules are intended to be applied to standby letters of credit (including performance, financial, and direct pay standby letters of credit).

b. A standby letter of credit or other similar under-taking, however named or described, whether for domestic or international use, may be made subject to these Rules by express reference to them.

c. An undertaking subject to these Rules may expressly modify or exclude their application.

d. An undertaking subject to these Rules is here-inafter referred to as a "standby".

a.本规则旨在适用于备用信用证(包括履约、融资和直接付款备用信用证)。

b.备用信用证或其它类似承诺,无论如何命名和描述,用于国内或国际,都可通过明确的援引而使其受本规则约束。

c.适用于本规则的承诺,可以明确地变更或排除其条款的适用。

d.适用于本规则的承诺,在下文中简称"备用证"。

 

1.02 Relationship to Law and Other Rules与法律和其它规则的关系

a. These Rules supplement the applicable law to the extent not prohibited by that law.

b. These Rules supersede conflicting provisions in any other rules of practice to which a standby letter of credit is also made subject.

a.本规则在不被法律禁止的范围内对适用的法律进行补充。

b.在备用证也受其它实务规则制约而其规定与本规则冲突时,以本规则为准。

 

1.03 Interpretative Principles解释的原则

These Rules shall be interpreted as mercantile usage with regard for:

a. integrity of standbys as reliable and efficient undertakings to pay;

b. practice and terminology of banks and businesses in day-to-day transactions;

c. consistency within the worldwide system of banking operations and commerce; and

d. worldwide uniformity in their interpretation and application

本规则在以下方面应作为商业用法进行解释:

a.作为可信赖和有效的付款承诺的备用证的完善性;

b.在日常业务中银行和商界的习惯做法和术语:

c.全球银行运作和商业体系内的一致性;及

d.在解释和适用上的全球统一性。

 

1.04 Effect of the Rules本规则的效力

Unless the context otherwise requires, or unless expressly modified or excluded, these Rules apply as terms and conditions incorporated into

i. the issuer;

ii. the beneficiary to the extent it uses the standby;

ii. the beneficiary to the extent it uses the standby;

iii. any advisor;

iv. any confirmer;

v. any person nominated in the standby who acts or agrees to act; and

vi. the applicant who authorises issuance of the standby or otherwise agrees to the application of these Rules.

除非文本另有要求,或明确地进行了对本规则的修改或排除,本规则作为被订人的条款,适用于备用证、保兑、通知、指定、修改、转让、开立申请或下述当事人同意的其它事项:

i.开证人;

ii.受益人(在其使用备用证的范围内);

iii.通知人;

iv.保兑人;

V.在备用证中被指定并照其行事或同意照其行事的任何人;及

vi .授权开立备用证或同意适用本规则的申请人。

 

1.05 Exclusion of Matters Related to Due Issuance and Fraudulent or Abusive Drawing

有关开证权力和欺诈或滥用权利提款等事项的排除

 

These Rules do not define or otherwise provide for:

a. power or authority to issue a standby;

b. formal requirements for execution of a standby (e.g. a signed writing); or

c. defenses to honour based on fraud, abuse, or similar matters.

These matters are left to applicable law.

本规则对下述事项不予界定或规定:

a.开立备用证的权力或授权;

b.对签发备用证的形式要求(如:署名的书面形式);或

c.以欺诈、滥用权利或类似情况为根据对承付提出的抗辩。

这些事项留给适用的法律解决。

 

1.06 Nature of Standbys备用证的性质

a. A standby is an irrevocable, independent, docu-mentary, and binding undertaking when issued and need not so state.

b. Because a standby is irrevocable, an issuer's obligations under a standby cannot be amended or cancelled by the issuer except as provided in the standby or as consented to by the person against whom the amendment or cancellation is asserted.

a.备用证在开立后即是一个不可撤销的、独立的、跟单的及具有约束力的承诺,并且无需如此写明。

b.因为备用证是不可撤销的,除非在备用证中另有规定,或经对方当事人同意,开证人不得修改或撤销其在该备用证下之义务。

 

c. Because a standby is independent, the enforce-ability of an issuer's obligations under a standby does not depend on:

i. the issuer's right or ability to obtain reimburse-ment from the applicant;

ii. the beneficiary's right to obtain payment from the applicant;

iii. a reference in the standby to any reimburse-ment agreement or underlying transaction; or

iv. the issuer's knowledge of performance or breach of any reimbursement agreement or underlying transaction.

c.因为备用证是独立的,备用证下开证人义务的履行并不取决于:

i.开证人从申请人那里获得偿付的权利和能力;

ii.受益人从申请人那里获得付款的权利;

iii.在备用证中对任何偿付协议或基础交易的援引;或

iV.开证人对任何偿付协议或基础交易的履约或违约的了解与否。

 

d. Because a standby is documentary, an issuer's obligations depend on the presentation of documents and an examination of required documents on their face.

e. Because a standby or amendment is binding when issued, it is enforceable against an issuer whether or not the applicant authorised its issuance, the issuer received a fee, or the ben-eficiary received or relied on the standby or the amendment.

d.因为备用证是跟单性的,开证人的义务要取决于单据的提示,以及对所要求单据的表面审查。

e.因为备用证和修改在开立后即具有约束力,无论申请人是否授权开立,开证人是否收取了费用,或受益人是否收到或因信赖备用证或修改而采取了行动,它对开证行都是有强制性的。

 

1.07 Independence of the Issuer-Beneficiary Relationship开证人--受益人关系的独立性

An issuer's obligations toward the beneficiary are not affected by the issuer's rights and obligations toward the applicant under any applicable agreement, practice, or law.

开证人对受益人的义务,不受任何适用的协议、惯例和法律下开证人对申请人的权利和义务的影响。

 

1.08 Limits to Responsibilities责任限制

An issuer is not responsible for:

a. performance or breach of any underlying trans-action;

b. accuracy, genuineness, or effect of any document presented under the standby;

c. action or omission of others even if the other person is chosen by the issuer or nominated person; or

d. observance of law or practice other than that chosen in the standby or applicable at the place of issuance.

开证人对以下事项不负责:

a.任何基础交易的履行或不履行;

b.备用证下提示的任何单据的准确性、真实性或有效性;

c.其它方的作为或不作为,尽管该人是由开证人或指定人选择的;或

d.除了备用证所选择的或开证地所适用的法律和惯例,对其它法律或惯例的遵守。

 

1.09 Defined Terms术语定义

In addition to the meanings given in standard banking practice and applicable law, the following terms have or include the meanings indicated below:

a. Definitions

"Applicant" is a person who applies for issuance of a standby or for whose account it is issued, and includes (i) a person applying in its own name but for the account of another person or (ii) an issuer acting for its own account.

"Beneficiary" is a named person who is entitled to draw under a standby. See Rule 1.11(c)(ii).

"Business Day" means a day on which the place of business at which the relevant act is to be performed is regularly open; and "Banking Day" means a day on which the relevant bank is regularly open at the place at which the relevant act is to be performed.

除了在标准银行惯例和适用的法律中给出的含义外,以下术语具有或包括下面的含义:

a.定义t

"申请人(Applicant)"--是自己申请开立备用证的人或由他人代为申请开立备用证的本人,包括:(i)以自己的名义但是为他人申请的人;或(ii)为自己办理的开证人。

"受益人(Beneficiary)"--是一个根据备用证有提款权利的具名的人,见规则1.11(c)(ii)。

"营业日(Business Day)"--是指有关行为履行的营业地通常开业的一天。而"银行日(Banking Day)"是指在有关行为履行地有关银行通常开业的一天。

 

"Confirmer" is a person who, upon an issuer's nomination to do so, adds to the issuer's undertaking its own undertaking to honour a standby. See Rule 1.11(c)(i).

"Demand" means, depending on the context, either a request to honour a standby or a document that makes such request.

"Document" means a draft, demand, document of title, investment security, invoice, certificate of default, or any other representation of fact, law, right, or opinion, that upon presentation (whether in a paper or electronic medium), is capable of being examined for compliance with the terms and conditions of a standby.

"保兑人(Confirmer)"--是指经开证人指定在开证人的承诺上加上其自身保证承付该备用证的承诺的人,见规则1.11(c)(i)。

"索款要求(Demand)"--依上下文而定,是指一个要求承付备用证的请求,或者是指提出这种请求的单掘。

"单据(Document)"--是指提示(书面形式或是电子媒介形式)的汇票、索款要求、所有权凭证、投资担保、发票、违约证明,或其它事实九法律、权利或意见的陈述,凭以审核是否与备用证的条款一致。

 

"Drawing" means, depending on the context, either a demand presented or a demand honoured.

"Expiration Date" means the latest day for a complying presentation provided in a standby.

"Person" includes a natural person, partnership, corporation, limited liability company, government agency, bank, trustee, and any other legal or commercial association or entity.

"Presentation" means, depending on the context, either the act of delivering documents for examination under a standby or the documents so delivered.

"Presenter" is a person who makes a pres-entation as or on behalf of a beneficiary or nominated person.

"Signature" includes any symbol executed or adopted by a person with a present intent to authenticate a document.

"保兑人(Confirmer)"--是指经开证人指定在开证人的承诺上加上其自身保证承付该备用证的承诺的人,见规则1.11(c)(i)。

"索款要求(Demand)"--依上下文而定,是指一个要求承付备用证的请求,或者是指提出这种请求的单掘。

"单据(Document)"--是指提示(书面形式或是电子媒介形式)的汇票、索款要求、所有权凭证、投资担保、发票、违约证明,或其它事实九法律、权利或意见的陈述,凭以审核是否与备用证的条款一致。

 

c. Electronic Presentations电子提示

The following terms in a standby providing for or permitting electronic presentation shall have the following meanings unless the context otherwise requires:

"Electronic Record" means:

i. a record (information that is inscribed on a tangible medium or that is stored in an electronic or other medium and is retrievable in perceivable form);

ii. communicated by electronic means to a system for receiving, storing, re-transmitting, or otherwise processing information (data, text, images, sounds, codes, computer pro-grams, software, databases, and the like); and

除非上下文另有要求,规定或允许电子提示的备用证中的下列术语,其含义如下:

"电子记录(Electronic Record)"是指:

i.一条记录(即记录于有形媒介上的信息,或储存在电子或其它媒介上而能以可感知方式读取的信息);

ii.通过电子方式发送到接受、储存、再传送,或以其它方式处理信息(数据、文本、图像、声音、代码、计算机程序、软件、数据库等)的系统中;并

 

iii. capable of being authenticated and then examined for compliance with the terms and conditions of the standby.

"Authenticate" means to verify an electronic record by generally accepted procedure or methodology in commercial practice:

i. the identity of a sender or source, and

ii. the integrity of or errors in the transmission of information content.

The criteria for assessing the integrity of inform-ation in an electronic record is whether the information has remained complete and un-altered, apart from the addition of any endorse-ment and any change which arises in the normal course of communication, storage, and display.

iii.能够被证实,进而被审核是否与备用证的条款相符。

"证实(Authenticate)"是指通过商业实践中广泛接受的程序或方法来证明电子记录的:

i.发送人的身份或来源,及

ii.信息内容的完整或传输中的错误。

在电子记录中评估信息完整性的标准是看除附加的签注,以及在正常传递、储存和显示过程中出现的变化外,信息是否保持完整和未被改变。

 

"Electronic signature" means letters, characters, numbers, or other symbols in electronic form, attached to or logically associated with an electronic record that are executed or adopted by a party with present intent to authenticate an electronic record.

"Receipt" occurs when:

i. an electronic record enters in a form capable of being processed by the information system designated in the standby, or

ii. an issuer retrieves an electronic record sent

"电子签名(Electronic signature)"是指由某一方签署或采用的、附加于电子记录或与之逻辑地联系在一起的电子形式的字母、文字、数字或其它符号,目的是证明电子记录的真实性。

"收到(Receipt)"发生在:

i.电子记录以一种由备用证指定的信息系统能够处理的形式进入时;或

ii.开证人提取一份发送给不是开证人指定的信息系统的电子记录时。

 

1.10 Redundant or Otherwise Undesirable Terms多余的或不宜使用的术语

a. A standby should not or need not state that it is:

i. unconditional or abstract (if it does, it signifies merely that payment under it is conditioned solely on presentation of specified documents);

ii. absolute (if it does, it signifies merely that it is irrevocable);

iii. primary (if it does, it signifies merely that it is the independent obligation of the issuer);

备用证不应该或不需要表明它是:

i.无条件的(unconditional)或抽象的(abstract)(如果这样做,只不过是表示该备用证下的付款完全取决于指定单据的提示);

ii.绝对的(absolute)(如果这样做,只不过是表示是不可撤销的);

iii.第一性的(primary)(如果这样做,只不过是表示是开证人独立的义务);

 

iv. payable from the issuer's own funds (if it does, it signifies merely that payment under it does not depend on the availability of applicant funds and is made to satisfy the issuer's own independent obligation);

v. clean or payable on demand (if it does, it signifies merely that it is payable upon presentation of a written demand or other documents specified in the standby).

b. A standby should not use the term "and/or" (if it does it means either or both).

iv.从开证人自己的资金中支付(payable from theissuer'S own funds)(如果这样做,只不过是表示备用证下的付款并不依靠获得申请人的资金,而是开证

人完成其自身独立的义务);

v.仅有索款要求的或见索即付(clean or payable ondemand)(如果这样做,只不过是表示根据书面请求或备用证要求的其它单据的提示,即可获得支付)。

b.备用证中不应该使用"和/或(and/or)"(如果这样做,即意味着是任一或二者同时)。

 

1.11 Interpretation of These Rules

a. These Rules, are to be interpreted in the context of applicable standard practice.

b. In these Rules, "standby letter of credit" refers to the type of independent undertaking for which these Rules were intended, whereas "standby" refers to an undertaking subjected to these Rules.

c. Unless the context otherwise requires:

i. "Issuer" includes a "confirmer" as if the confirmer were a separate issuer and its confirmation were a separate standby issued for the account of the issuer;

1.11规则解释

a.本规则参照适用的标准惯例作出解释。

b.本规则中,"备用信用证"是指本规则试图加以适用的独立承诺,而"备用证"是指受本规则约束的一种承诺。

c.除非文本中有不同的要求,

i."开证人"包括"保兑人",犹如保兑人是一个单独的开证人,其保兑是为开证人开立的一份单独的备用证;

 

ii. "Beneficiary" includes a person to whom the named beneficiary has effectively transferred drawing rights ("transferee beneficiary");

iii. "Including" means "including but not limited to";

iv. "A or B" means "A or B or both"; "either A or B" means "A or B, but not both"; and "A and B" means "both A and B";

ii."受益人"包括具名的受益人把提取款项的权利有效地转让给的那个人("受让受益人"):

iii."包括"意指"包括但不限于：

iv."A或B"意指"A或B或两者同时";"或A或B"意指"A或B,但不是两者同时":"A和B"意指"A与B同时";

 

v. Words in the singular number include the plural, and in the plural include the singular; and

vi. Words of the neuter gender include any gender.

d. i. Use of the phrase "unless a standby otherwise states" or the like in a rule emphasizes that the text of the standby controls over the rule;

ii. Absence of such a phrase in other rules does not imply that other rules have priority over the text of the standby;

iii. Addition of the term "expressly" or "clearly" to the phrase "unless a standby otherwise states" or the like emphasizes that the rule should be excluded or modified only by wording in the standby that is specific and unambiguous; and

V.单数形式的词包含复数,复数形式的词包括单数;和

vi .中性的词包括所有词性。

d.i.规则中使用"除非备用证另有说明"或类似语句,强调的是备用证的文本优先于本规则;

ii.没有上述语句的规则并不默示其规定优先于备用证文本条款;

iii.在"除非备用证另有说明"或类似语句中加上"明确地"或"清楚地"等词,强调的是,该规则只有通过在J备用证中用清晰明白的文字才可以被排除或修改;

 

iv. While the effect of all of these Rules may be varied by the text of the standby, variations of the effect of some of these Rules may disqualify the standby as an independent undertaking under applicable law.

e. The phrase "stated in the standby" or the like refers to the actual text of a standby (whether as issued or effectively amended) whereas the phrase "provided in the standby" or the like refers to both the text of the standby and these Rules as incorporated.

iv.所有这些规则的效力可以被备用证文本所改变,其中一些规则效力的变动可能否定备用证在适用法律下作为一项独立承诺的资格。

e."在备用证中说(写)明的"或类似语句是指一份备用证的实际正文(或者是开立的或者是经有效修改的),而短语"在备用证中规定的"或类似语句则既指备用证的正文,也指被订人的本规则。