请哪位高手帮忙看看这一信用证条款是否是银行做的?

来源：百度知道 编辑：UC知道 时间：2024/09/28 11:09:52
在这份信用证中,在"ADDITIONAL CONDITIONS"中,有一条是这样描述的:NOTWITHSTANDING THE PROVISIONS OF THE UCP,IF WE GIVE THIS LETTER OF GREDIT WE SHALL STILL RETAIN THE RIGHT(1) TO ACCEPT A WAIVER OF DISCREPANCIES IN SUCH DOCUMENTS FROM THE APPLICANT/ACCOUNT PARTY,AND (2)SUBJECT TO SUCH WAIVER BEING ACCEPTED BY US, TO RELEASE SUCH DOCUMENTS AGAINST THAT WAIVER WITHOUT FIRST OBTAINING THE APPROVAL OF THE ENTITY PRESENTING SUCH DOCUMENTS TO US(THE "PRESENTER");PROVIDED,HOWEVER,THAT WE SHALL NOT RELEASE SUCH DOCUMENTS IF PRIOR TO SUCH RELEASE WE HAVE RECEIVED FROM THE PRESENTER WRITTEN INSTRUCTIONS TO DISPOSE OF THE DOCUMENTS OR THE GOODS IN SOME OTHER WAY.ANY SUCH RELEASE PRIOR TO RECEIPT OF THE CONTRARY INSTRUCTIONS SHALL NOT CONSTITUTE A FAILURE ON OUR PART TO HOLD THE DOCUMENTS AT THE PRESENTER'S RISK AND DISPOSAL,AND WE WILL HAVE NO LIABILITY TO THE PRESENTER OF TO YOU IN RESPECT OF ANY SUCH RELEASE.
哪位高手能告诉我这是否是给银行的,与我受益人有关联吗?

和受益人有关.这是个开证行免责条款,它是针对交单人的,根据国内银行对信用证议付的惯例,议付行实际只是寄单行,所以这个条款仍然是针对受益人的.这个条款的意思是:
　　无论UCP如何规定,单据如果有不符点,即使开证行发出了拒付通知书,但是如果申请人或付款方接受不符点,那么开证行有权椐此接受不符点,并放单.此情况下的放单无须得到交单方的同意,并且不构成开证行违反"保持单据,听候处理"的承诺,也不承担任何责任.但是,在此之前,开证行如果收到过交单人下达的"保持单据,听候处理"的书面指示,则开证行不得擅自放单.

　　这个条款一般无害,个人认为可以接受.我记得一个案例:单据有不符点,开证行拒付,并发出拒付通知书,并在通知书上表明"保持单据,听候处理".于是受益人联系申请人请求他接受不符点,申请人同意接受不符点,但要以降价为条件,受益人不同意,于是申请人拒绝接受不符点.受益人只好在当地寻找新的买家.此期间,该货物在当地的行情大涨,授意人很快以更高的价格销售给当地的另一公司,于是受益人让新买家到银行赎单,结果开证行却说申请人已于昨天接受不符点并赎单,信用证项下款项也已汇出.于是受益人将开证行告上法庭,说开证行违反"保持单据,听候处理"承诺,未经交单人同意擅自放单,要求开征行赔偿差价,由于信用证上没有你现在看到的条款,所以开征行败诉.所以现在有些银行的信用证上就有了上述条款

这是银行对银行的条款，关于放单的约定，与受益人无关。