1) °³¼³ÀºÇà(Issuing bank)
Åë»ó ½Å¿ëÀåÀÇ »ó´Ü¿¡´Â °³¼³ÀºÇàÀÌ ÀÚÇàÀÇ ÀºÇà¸í°ú ÁÖ¼Ò, Æѽº¹øÈ£ µîÀ» ÀμâÇÏ¿© µÐ´Ù. ÀÌ´Â ¸ÅÀÔÀºÇàÀÌ ¸ÅÀÔ ÈÄ ¹ß¼ÛÇÏ¿©¾ß ÇÒ ´ë»ó À̹ǷΠÁ¤È®È÷ È®ÀÎÇØ µÎ¾î¾ß ÇÑ´Ù.
2) °³¼³ÀÏÀÚ(Issuing date) ¹× Àå¼Ò
°³¼³ÀÏÀÚ¿Í Àå¼Ò¸¦ ±âÀçÇÑ´Ù.
3) ½Å¿ëÀåÀÇ Á¾·ù(Type of Credit)
»ó´ÜºÎºÐ¿¡ º¸Åë "IRREVOCABLE DOCUMENTARY CREDIT" À̶ó°í ÀμâµÇ¾î ÀÖ´Ù.
IRREVOCABLEÀ̶ó´Â ¿ë¾î´ë½Å REVOCABLEÀ̶ó°í µÇ¾î ÀÖÀ¸¸é Ãë¼Ò°¡´É½Å¿ëÀåÀÌ´Ù.
4) ½Å¿ëÀå¹øÈ£(Credit No)
¿ìÃø»ó´Ü¿¡ ¸í±âÇÑ´Ù.
5) À¯È¿±â°£(Expiry date)
Expiry date ¡Û¡Û¡Û place ¡Û¡Û¡Û·Î Ç¥½ÃµÈ´Ù. ÁöÁ¤µÈ Áö¸í¿¡¼ À¯È¿±âÀÏÀÌ ³¡³ª¹Ç·Î À̸¦ À¯ÀÇÇÏ¿©¾ß ÇÑ´Ù.
"Drafts must be negotiated on or before¡¦¡¦"
"This credit expires in Korea on¡¦¡¦ 20¡Û¡Û"
"This credit is valid until¡¦¡¦ 20¡Û¡Û for presentation of documents with the advising bank" µîÀ¸·Î Ç¥½ÃµÇ±âµµ ÇÑ´Ù.
6) °³¼³ÀÇ·ÚÀÎ(applicant)
½Å¿ëÀå°³¼³ ÀÇ·ÚÀÎÀÇ »óÈ£, ÁÖ¼Ò¸¦ ±âÀçÇÑ´Ù.
7) ¼öÀÍÀÚ(Beneficiary)
»ó´ÜºÎ¿¡ ¼öÀÍÀÚÀÇ »óÈ£, ÁÖ¼Ò¸¦ ±âÀçÇÑ´Ù.
8) ÅëÁöÀºÇà(Advising Bank)
ÅëÁöÀºÇàÀº ¼öÀÍÀÚÀÇ ¼ÒÀçÁö¿¡ ÀÖ´Â °³¼³ÀºÇàÀÇ º»¡¤ÁöÁ¡À̳ª ȯ°Å·¡ °è¾àÀ» ü°áÇÑ ÀºÇàÀÌ µÈ´Ù.
9) ½Å¿ëÀå±Ý¾×(Credit Amount)
Åë»ó Amount¶ó°í Ç¥½ÃµÈ Column¿¡ ¼ýÀÚ¿Í ¹®ÀÚ¸¦ º´±âÇÑ´Ù.
"up to an aggregate amount of¡¦¡¦"
"for a sums not exceeding a total of¡¦¡¦"
"to the extent of not exceeding a total of¡¦¡¦"
"for a maximum amount of¡¦¡¦"
10) ½Å¿ëÀåÀÇ »ç¿ë¹æ¹ý(Method of Availability)
"This credit available by" ´ÙÀ½¿¡ [sight payment] [Deferred payment] [Acceptance] [Negotiation] Áß Çϳª°¡ Ç¥½ÃµÈ´Ù.
¿¹¸¦ µé¸é,
"This credit is available with the advising bank by sight payment(or deferred payment) against presentation of the following documents"
11) ȯ¾îÀ½¿¡ °üÇÑ »çÇ×
ȯ¾îÀ½Àº Acceptance¿Í Negotiation¿¡ ÀÇÇÏ¿© »ç¿ë °¡´ÉÇÑ ½Å¿ëÀå¿¡¼ ¹Ýµå½Ã ¿ä±¸µÇÁö¸¸ Deferred payment·Î »ç¿ë °¡´ÉÇÑ ½Å¿ëÀå¿¡¼´Â ¿ä±¸µÇÁö ¾Ê´Â´Ù. Sight payment·Î »ç¿ë °¡´ÉÇÑ ½Å¿ëÀåµµ ´ë°³ ȯ¾îÀ½ÀÇ ¿ä±¸°¡ ¾øÀ¸³ª ÁöÁ¤µÈ Áö±ÞÀºÇà(paying bank)À» Áö±ÞÀÎÀ¸·Î ÇÏ¿© ¿ä±¸ÇÒ ¼öµµ ÀÖ´Ù.
"Beneficiary's drafts at sight for full invoice value drawn on applicant"
"Your drafts in duplicate for 95% of the invoice value drawn at 90 days after sight on us"
"Beneficiary's drafts at 90 days from shipment date for full invoice value plus interest on us" µîÀ¸·Î Ç¥ÇöµÈ´Ù.
¿©±â¼ ȯ¾îÀ½ÀÇ ¹ßÇàÀÎ(drawer)Àº you Áï, Beneficiary°¡ µÇ¸ç ȯ¾îÀ½ÀÇ Áö±Þ±âÇÑ(Tenor)Àº [at]¿Í [sight] »çÀÌ¿¡ Ç¥½ÃµÈ´Ù. ȯ¾îÀ½ Áö±ÞÀÎÀº [drawn on] ´ÙÀ½¿¡ Áö¸íµÈ ÀÚ°¡ µÇ¸ç ȯ¾îÀ½ÀÇ ±Ý¾×Àº [for] ´ÙÀ½¿¡ Ç¥½ÃµÇ´Âµ¥ ´ë°³ »ó¾÷¼ÛÀå±Ý¾×°ú µ¿ÀÏÇÏÁö¸¸ °Å·¡ÇüÅ¿¡ µû¶ó °¡°¨µÇ±âµµ ÇÑ´Ù. ¶ÇÇÑ ´ëºÎºÐÀÇ È¯¾îÀ½Àº "Drafts¡¦¡¦ drawn¡¦¡¦under documentary credit NO. ¡Û¡Û¡Û issued by ¡Û¡Û¡Û bank" µîÀ¸·Î ¾îÀ½ ¸é¿¡ ½Å¿ëÀå¿¡ °üÇÑ »çÇ×À» ±âÀçÇϵµ·Ï ¿ä±¸ÇÑ´Ù.
12) ~ 14) ¼±Àû¿¡ °üÇÑ »çÇ×
¼±ÀûÇ×(shipping port, port of loading)Àº [shipment from]À̶ó´Â ¹®¾ð ´ÙÀ½¿¡ Ç×±¸ÀÇ ¸íĪÀÌ Ç¥½ÃµÈ´Ù. ±×·±µ¥ ³»·ú¿î¼ÛÀ» Æ÷ÇÔÇÏ´Â º¹ÇÕ¿î¼ÛÁõ±Ç(combined transport document) µîÀÇ °æ¿ì¿¡´Â ¹ß¼ÛÁö(place of dispatch), ¼öŹÁö(place of taking in charge) µîÀÌ µÇ´Â ¼öµµ ÀÖ´Ù.
ÃÖÁ¾¸ñÀûÁö(place of final destination)´Â [shipment to] ´ÙÀ½¿¡ Ç¥½ÃµÇ´Âµ¥ º¹ÇÕ¿î¼Û¿¡¼´Â ¾ç·úÇ×(port of discharge)°ú ±¸º°µÇ¾î Ç¥½ÃµÈ´Ù. ÃÖÁ¾¼±ÀûÀÏÀº [shipment not later than] ´ÙÀ½¿¡ Ç¥½ÃµÈ´Ù.
ºÐÇÒ¼±Àû(partial shipment)°ú ȯÀû(transshipment)Àº Çã¿ëÀÌ µÇ´Â °æ¿ì "allowed", "permitted", "authorized" µîÀ¸·Î Ç¥½ÃÇÏ°í, ºÒÇãÇÏ´Â °æ¿ì "prohibited", "not allowed", "not permitted" µîÀ¸·Î Ç¥½ÃÇϴµ¥ ±ÝÁöÀÇ Ç¥½Ã°¡ ¾ø´Â °æ¿ì¿£ Çã¿ëµÈ °ÍÀ¸·Î °£ÁÖÇÑ´Ù.
15) ¼·ù¿¡ °üÇÑ »çÇ×
¼·ù´Â ´ë°³ »ó¾÷¼ÛÀå, ¿î¼Û¼·ù, º¸Çè¼·ù, ±âŸ¼·ù ¼øÀ¸·Î ¿ä±¸ÇÑ´Ù. ¹°·Ð F.O.B³ª C.F.RÁ¶°Ç¿¡¼´Â º¸Çè¼·ù°¡ ¿ä±¸µÇÁö ¾Ê´Â´Ù.
¼·ù¿¡ °üÇÑ »çÇ×
»ó¾÷¼ÛÀå (Commercial Invoice) |
Åë»ó "Signed commercial invoice in triplicate"¶ó°í ¿ä±¸ÇÑ´Ù. UCP 500¿¡¼± »ó¾÷¼ÛÀåÀº ¹Ýµå½Ã ¼öÀÍÀÚ¿¡ ÀÇÇÏ¿© ¹ßÇàµÇ¾î¾ß Çϵµ·Ï ÇÏ°í ÀÖÀ¸¸ç, "Manually Signed Commercial Invoice"¶ó°í µÇ¾î ÀÖÀ¸¸é ¹Ýµå½Ã À°ÇÊ·Î ¼¸íÇØ¾ß ÇÑ´Ù.
¶Ç "Signed commercial invoice in quadruplicate which must be certified by chamber of commerce and legalized by ¡Û¡Û¡Û consulate" ¶ó°í ÇÏ¿© ƯÁ¤±â°üÀÇ È®ÀÎÀ̳ª °ËÁ¤À» ¿ä±¸Çϱ⵵ ÇÑ´Ù. |
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¿î¼Û¼·ù (Transport Documents) |
½Å¿ëÀåÅëÀϱÔÄ¢(UCP 500)¿¡¼´Â Á¾·¡ÀÇ ÇØ»ó¼±ÇÏÁõ±Ç, ¿ìÆí ¼öÃëÁõ¼ ¶Ç´Â Áõ¸í¼ ¿Ü¿¡ ºñÀ¯Åë ÇØ»óȹ° ¿î¼ÛÀå, ¿ë¼±°è¾àºÎ ¼±ÇÏÁõ±Ç, µµ·Î/öµµ/³»¼ö·Î ¿î¼Û¼·ù¿¡ ´ëÇÏ¿©µµ º°µµÀÇ ¼ö¸®¿ä°ÇÀ» ±ÔÁ¤ÇÏ°í ÀÖ´Ù. ¿î¼ÛÁÖ¼±ÀÎ ¹ßÇà ¿î¼Û¼·ù´Â ¼³·É FIATA B/LÀ̶ó ÇÒÁö¶óµµ ¿î¼ÛÀÎ, º¹ÇÕ¿î¼ÛÀÎ ¶Ç´Â ±× ´ë¸®ÀÎÀÇ Á÷Á¢¹ßÇàÀÌ ¾Æ´Ñ °æ¿ì ±× ¼ö¸®¸¦ °ÅÀýÇϵµ·Ï ÇÏ¿´´Ù.
ÇØ»ó¼±ÇÏÁõ±ÇÀº,
"Full set of clean on board marine(ocean) bill of lading plus 2 copies made /out to our order marked freight prepaid notify applicant"
"3/3 set of clean on board marine bill of lading issued to the order of issuing bank indicating place of taking in charge of the goods ¡Û¡Û¡Û, port of loading ¡Û¡Û¡Û, port of discharge ¡Û¡Û¡Û, Place of final destination ¡Û¡Û¡Û¡¦¡¦" À¸·Î ¿ä±¸Çϸç
Ç×°ø ȹ°¿î¼ÛÀåÀÇ °æ¿ì,
"Clean air waybill consigned to us showing freight collect notify accountee" µîÀ¸·Î ¿ä±¸ÇÑ´Ù. |
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º¸Çè¼·ù (Insurance ocuments) |
°¡°ÝÁ¶°ÇÀÌ CIF µîÀÎ °æ¿ì¿¡ º¸ÇèÁõ±ÇÀ̳ª º¸ÇèÁõ¸í¼¸¦ ¿ä±¸ÇÑ´Ù. ºÎº¸ÅëÈ´Â ½Å¿ëÀå »óÀÇ ÅëÈ¿Í ÀÏÄ¡ÇÏ¿©¾ß ÇÑ´Ù. ½Å¿ëÀå »ó¿¡ Æ¯º°ÇÑ Áö½Ã°¡ ¾øÀ¸¸é ºÎº¸ÀÇ ÃÖÀú±Ý¾×Àº CIF ¶Ç´Â CIP±Ý¾×ÀÇ 110%°¡ µÈ´Ù. ¼·ù»óÀ¸·Î CIF ¶Ç´Â CIP°¡°ÝÀ» °áÁ¤ÇÒ ¼ö ¾ø´Â °æ¿ì¿¡´Â ½Å¿ëÀå¿¡ ÀÇÇؼ Áö±Þ, Àμö ¶Ç´Â ³×°í°¡ ÀÌ·ç¾îÁö´Â ±Ý¾×°ú »ó¾÷¼ÛÀåÀÇ ±Ý¾× Áß Å« ±Ý¾×ÀÇ 110%°¡ ºÎº¸ÀÇ ÃÖÀú±Ý¾×ÀÌ µÈ´Ù.
º¸ÇèÁõ±Ç(Insurance Policy)Àº È®Á¤º¸ÇèÀ¸·Î ¹ßÇàµÇ´Â Áõ±ÇÀÌ´Ù. ÀÏÁ¤±â°£ ³»¿¡ ƯÁ¤Áö¿ª¿¡¼ ¼±ÀûµÇ´Â ÀÏÁ¤±Ý¾×ÀÇ È¹°¿¡ ´ëÇÏ¿© Æ÷°ýÀûÀ¸·Î ºÎº¸ÇÑ ÈÄ(Open Policy) ¸Å ¼±Àû½Ã¸¶´Ù º¸ÇèÀÚ¿¡°Ô ±¸Ã¼ÀûÀÎ »çÇ×(ȹ°¸í¼¼, º¸Çè¾×, µµÂøÇ×, ¼±¹Ú µî)À» Åë°íÇÏ¿© È®Á¤ ¹ßÇàÇϵµ·Ï Çϱ⵵ ÇÑ´Ù.
´ë°³ ±× ¿ä±¸¹®¾ðÀº "Insurance policy or certificate in duplicate blank endorsed for 110% of the invoice value covering Institute Cargo Clause[I.C.C.(A)], War Clause, S. R. C. C. and T. P. N. D. Clause"¿Í °°ÀÌ Ç¥½ÃµÈ´Ù. |
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±âŸ¼·ù (Other Documents) |
Æ÷Àå¸í¼¼¼(Packing List), ¿ø»êÁöÁõ¸í¼(Certificate of Origin), ¿µ»ç¼ÛÀå(Consular Invoice), °Ë»çÁõ¸í¼(Inspection Certificate), ƯÇý°ü¼¼¿ë ¿ø»êÁöÁõ¸í¼(Generalized System of Preference Certificate of Origin£ºG.S.P C/O£ºForm A), ¼¼°ü¼ÛÀå(Customs Invoice) µîÀ» ¿ä±¸ÇÑ´Ù. |
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16) »óÇ°¿¡ °üÇÑ »çÇ×
»óÇ°¿¡ °üÇؼ´Â "covering shipment of" ¶Ç´Â "Evidencing shipment of" ´ÙÀ½¿¡ Ç¥½ÃµÈ´Ù. ´ë°³ »óÇ°¸í(commodity name), ¼ö·®(quantity), ´Ü°¡(unit price), »óÇ°¸í¼¼(commodity description), °¡°ÝÁ¶°Ç(price terms) µîÀ¸·Î ±¸¼ºµÇ¾î ÀÖ´Ù.
17) ¼·ùÁ¦½Ã±â°£(Time limit for presentation)
"Documents to be presented for negotiation within 10 days after the date of issuance of the transport document(s) but within the validity of the credit"¿Í °°ÀÌ ¿ä±¸ÇÑ´Ù.
¸¸ÀÏ ¾Æ¹«·± Ç¥½Ã°¡ ¾øÀ¸¸é ¼±ÀûÀÏ(¼·ù¹ßÇàÀÏÀÌ ¾Æ´Ô) ÈÄ 21ÀÏ ³»¿¡ Á¦½ÃµÇ¾î¾ß ÇϹǷΠ±× ÈÄ Á¦½ÃµÇ´Â ¼·ùµµ ¼ö¸®ÇÒ ÀÇÇâÀ̶ó¸é "Documents presented later than 21 days after the date of issuance of the transport document(s) acceptable"·Î Ç¥½ÃÇÑ´Ù.
18) Ư¼öÁ¶°Ç¿¡ °üÇÑ»çÇ×
ÀºÇà¼ö¼ö·á¿Í ºÎ´ãÀÚ´Â
"all banking charges outside Hong Kong are for account of beneficiary (or applicant)" µîÀ¸·Î ¸í½ÃÇÑ´Ù.
19) ½Å¿ëÀå ÅëÀϱÔÄ¢ ÁذŹ®¾ð
ÀÌ ½Å¿ëÀåÀº ½Å¿ëÀåÅëÀϱÔÄ¢¿¡ ÀÇ°ÅÇÔÀ» Ç¥½ÃÇÑ´Ù.
20) Áö±ÞÈ®¾à¹®¾ð
Áö±Þ, Àμö ȤÀº ¸ÅÀÔÀ¸·Î ±¸ºÐµÇ¾î ÀÖ´Ù.
21) ¼öÀÍÀÚ°¡ ÁÖÀÇÇØ¾ß ÇÒ »çÇ×
¼öÀÍÀÚ°¡ ÁÖÀÇÇØ¾ß ÇÒ »çÇ×ÀÌ ÀÖ´Â °æ¿ì ¾Ë±â ½±µµ·Ï ºüÁü¾øÀÌ Á¤¸®ÇÏ¿© ±âÀçÇÑ´Ù.
22) ÅëÁöÀºÇà È®Àζõ
ÃÖÁ¾ÀûÀ¸·Î È®ÀÎÇÏ¿© ¼¸íÇÏ´Â ¶õÀÌ´Ù.