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2011/03/01

信用狀瑕疵釋疑之三


如何要求客人修改信用狀及接受瑕疵


問題 () 
最近碰到一個關於信用狀的難題,國外客人如果信用狀開錯或是想改變出貨方式,總是不想修改信用狀,反而安撫我們說不用擔心瑕疵問題,他們一定會接受瑕疵的。雖然最後信用狀都有贖單,貨款都有收到,但卻造成我們每次出貨押匯都會被扣瑕疵費,是否有任何說辭可以說服國外客人去修改信用狀,以避免瑕疵的困擾?


AYA 答覆:
確實很多客人都說他們會接受瑕疵,絕不會拒付,而規避去修改信用狀。但是文件若有瑕疵,除了被扣瑕疵費之外,買方也會因而拖延付款贖單的期限,而使賣方損失押匯的利息,所以不妨試著從這兩個訴求去跟客人爭取看看。

以下寫法謹供參考:

We greatly appreciate your willingness to accept the document discrepancy of L/C. However, according to the banking procedure, such a discrepancy will definitely result in related penalty charge when negotiating the L/C. In addition, if the said discrepancy causes your L/C payment delay, we will surely suffer a great loss of interest. 

Based on our company policy, regarding any discrepancies foreseen between the L/C terms and required documents, we are not obligated to take risks of any extra / penalty fees. Therefore, we, as a supportive partner, sincerely hope to have your L/C terms amendment in view of indeed mutual benefits. Thanks for your understanding.



問題 (
本月我有一批貨出到義大利,是以信用狀付款的,在上週押匯。結果今天開狀銀行通知信用狀有瑕疪,因為 B/L 海運提單將卸貨港寫為 MILAN ( 米蘭 )。對方銀行回覆 MILAN 不是一個港口,因此判定文件有瑕疪。台灣的押匯銀行建議我們請客人接受瑕疪,因為即使重新提供文件,對方銀行也未必會接受,文件寄來寄去也是費用,不如就付瑕疵費。我想請問:我該如何寫信跟客戶說,請他接受此瑕疪呢?


AYA 答覆:
哈哈 ! 今天 AYA 也剛好碰到類似的狀況,客人的信用狀上面 Loading Port ( 裝貨港 ) 那一欄只寫 Taiwan,我請他改為 Any Taiwan Port,客人反駁說,寫 Taiwan 就代表整個台灣了,所以不用修改。AYA 跟他強調 :Taiwan is a country, not a port, please be sure to amend it, we insist. 然後把讀者所述的米蘭案例提出來,重申一下這個有例可循,不改可是會被銀行抓瑕疵的喔 !

其實銀行抓瑕疵是家常便飯,重要的是客人是不是要這批貨?還有要觀察最近市場價錢是否有嚴重波動
( 例如巨幅降價 ),這時比較容易發生毀單事件。


如果客人要這批貨的話,那麼即使文件有瑕疵,客人也不會拒付的,因為我們怕的是客人不要貨,故意找麻煩,否則頂多只是損失瑕疵費和押匯利息而已,影響不大。

你可以直接寫信給客人,告訴他關於哪一張 L/C今天收到開狀銀行的通知,因為什麼原因而被判定為瑕疵,但因為該瑕疵只是文字上敘述有誤,並無損品質與提貨手續,所以是否可以請客人照會其銀行,接受該瑕疵並儘早贖單放款?

以下寫法謹供參考:

Regarding L/C (No. 01CR3119/4031693), we received the discrepancy notice from your bank today.

They said, “On the B/L, the
Port of Discharge is showed as Milan, but actually Milan is not a port…”. 

Since this is just a slight description flaw in the L/C terms, to save time, energy, and money of both parties in sending back and forth the amended documents, we sincerely suggest you accept it because it really has nothing to do with any breach of the actual product quality or related import regulations. 

Therefore, please inform your bank of such a discrepancy acceptance and execute the L/C payment at your earliest convenience. Thank you.

 

 

 



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