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秋日小札--记贸易融资规则与实务培训

阅读次数:次 作者:张家口银行 李科辉 时间:2017/8/24


秋日小札

Autumn’s diary

 

夏末的雨和初秋独有的清爽交织在一起,今天,2017年8月12日,注定是不平凡的一天,我有幸参加了宏丰佳和在北京举行的“聚焦单证领域发展前沿的贸易融资规则与实务培训课程”,本次课程主讲嘉宾为安德烈先生。安德烈先生作为国际商会捷克共和国银行委员会秘书长,是全球知名信用证实务专家,也是《信用证下审单》一书的作者,此次来华是安德烈先生首次为国内CDCS进行考前辅导。

The rain in late summer, and the freshness that only belongs to autumn, mingles with one another. Today, August 12th, is deemed to be a different day.It is a great pleasure that I have the opportunity to attend the Seminar on Trade Finance Rules and Practices with special focus on current development in Documentary Credit World, offered in Beijing by the company, Beijing Hong Feng Jia He Internaitional Management Consulting Co.,Ltd., which has invited Mr Andrle as the chief trainer. Mr Andrle, the author of the book named The Examination of Documents under L/C , is the Secretary-general of Commissions on Banking and Commercial Law and Practice of ICC Czech Republic , the Trade finance trainer and consultant, and as well as the world-famous expert in Documentary L/C practice. To be important, it is for the first time that he comes to China to give us guidance in CDCS before the examination.

 

 

    安德烈先生热情洋溢和富于国际视野的课程不仅是国内外单证技术的碰撞,更为与会者提供了一场秋天里的感官盛宴。作为从业者及业务爱好者,我这里浅谈几点个人感受:

Like a leader, he has brought us into the global view. His enthusiasm fills the air with freedom and passion. What we do appreciate is not only the interaction of documentary technology at home and abroad, but also a feast of autumn.As a documentary worker and lover for international business, I  benefit so much that I would like to exchange my thoughts and feelings with all of you:

1

  结果重要,过程更美

The result is vital, but beauty is the process.

  安德烈先生按Query-Analysis-Conclusion这样一个思路,与我们分享了近期ICC官方意见及案例。作为从业者,我们都知道ICC OPINIONS的重要性,其结论对实践中遇到的类似问题有很强的指导意义。但我个人更看重专家对问题的分析过程,讨论分析不是争执孰对孰错,而是在具体的业务背景下,谁的分析更全面、更理性、更合乎逻辑,分析本身就是一个对业务知识进行全面升华的过程。任何问题的产生都有其特定的环境,It hides at a certain time, place, or place,在日常业务工作,我们首先要掌握一套严谨的分析方法,遇到问题,既依据国际惯例又高于国际惯例,力争做到有理有据,不生搬硬套,不盲目肯定或否定。

Following the steps of Query-Analysis-Conclusion, Mr Andrle has shared with us the recent ICC Opinions and Examples. Being  documentary workers, we all know the importance of ICC Opinions , of which the conclusions could be used as the guidance of operation when faced with the similar situation. But as far as I am concerned, I prefer to pay more attention to the analytic process from the experts. I think, the discussion is not to determine who is correct or not, but to find whose opinions are more complete,more reasonable, and more logical, under the special circumstance. The analysis itself is a course of improvement of the knowledge. Any problem can’t arise, without a definite situation, and it hides at a certain time, place or place. During our daily work, it is of importance to master a set of rigorous analytical method. When we have problems, we should rely on, sometimes maybe override the international rules, trying to taking into account all kinds of possible evidences , and not vaguely to be and do this, that and the other.

2

  勤于思考,汲取真知

Ponder the unknown, and then acquire the theory.

UCP600、ISBP745等,作为工具书常放案边,更是床头书,什么信用证三原则、中英文条款等都牢记心间,我却很少去思考这些国际惯例及规则背后深层次的东西。上课期间,中国民生银行交易银行部单证管理中心总经理、首席专家李永宏先生与安德烈先生,关于提单及多式或联合运输单据装船批注的激烈讨论,使我从根本上明白了为什么要装船批注,什么时候批注以及怎样批注。其实,每个惯例及规则的背后都是有故事的,学会挖掘,才能取到真经。

UCP600, ISBP745, and so on, as tools, can be seen at tables, or beside my beds. Three principles of L/C, together with those English and Chinese clauses are so freely available that I take them for granted. To be honest, I seldom explore something deeper hidden behind these international practices and rules. During the course, MR Li Yonghong, the General Manager and Chief Operations Specialist, from China Minsheng Bank discusses with MR Andrle about the on board notation, which helps me understand why the above-said transport document is to bear  an “on board notation”, when and how to do it. Actually, behind the rules and practices, always lie in stories, beautiful or not. Whatever our aim, we need an insatiable thirst for knowledge about it.

3

狠抓细节,注重质量

Focus on particulars, and lay emphasis on the quality.


在信用证及开证申请书找错阶段,安德烈先生引导我们如何去发现错误并改正。其中关于开证申请书提单要求内容:BILL OF LADING FOR PORT TO PORT SHIPMENT ISSUED TO THE ORDER OF THE ISSUING BANK AND BLANK ENDORSED......,错误之一就是提单背书要求与收货人要求不匹配。每个银行都有自己的开证申请书模版,如FULL SET (INCLUDING 3 ORIGINALS AND 3 NON-NEGOTIABLE COPIES) OF CLEAN ON BORAD BILLS OF LADING MADE OUT TO ORDER AND BLANK ENDORSED......,可能申请人已依据购销合同,将收货人改成了“TO THE ORDER OF THE ISSUING BANK”,但其它地方未作相应调整就交给了开证银行,而开证银行没有细致审核就草率地开出了信用证。问题的产生,有时并非真正反映了一个银行业务人员水平的高低,而是从某方面折射出该行工作中对细节的重视程度,也许正是因为对一个小细节的疏忽,让通知行或被指定银行怀疑开证行的专业水平,从而造成不良影响。所以,从某种角度讲,细节决定成败。

In the course of searching-errors on the letters of credit and the applications, Mr Andrle instructs us how to find the errors and then amend them. In the content about the bill of lading shown on the application as follows: BILL OF LADING FOR PORT TO PORT SHIPMENT ISSUED TO THE ORDER OF THE ISSUING BANK AND BLANK ENDORSED......, one of the errors is that the requirement about the endorsement doesn’t match the one about the consignee. Each bank has its format for the documentary letter of credit application, for example: Documents required: 1.FULL SET (INCLUDING 3 ORIGINALS AND 3 NON-NEGOTIABLE COPIES) OF CLEAN ON BOARD BILLS OF LADING MADE OUT TO ORDER AND BLANK ENDORSED......

In accordance with the Purchase and Sale contract, the applicant has changed the consignee into “to the order of the issuing bank”, but doesn’t adjust other items accordingly. If prior to the issuance of the letter of credit, the issuing bank doesn’t check the details, here exist the above-mentioned problems, which maybe can’t really reflect the business level of a bank, but in some degrees,  do reveal whether the bank has given enough care to the details. Perhaps, just owing to a little particular, the advising bank or the nominated bank will suspect the issuing bank’s  professional skills. A little negligence leads to an adverse impact on the issuing bank. Consequently, sometimes details can decide  success or failure.  

安德烈先生幽默风趣、声情并茂的讲解一次次把课堂气氛推向高潮,学员与老师积极互动,每位学员都受益匪浅。因为个人英文听力水平所限,期间错过了些许精彩,有时不得不凭PPT课件及老师的肢体语言去揣测讲话内容,可以说是美中不足,但遗憾却没有让我失落,反而激励我更加努力,去做一名真正的国际业务从业者。

Mr Andrle’s humor and vigor has stirred the whole atmosphere. I think all of us have obtained a lot. But because of my limited hearing on English, I have missed some wonderful moments,and sometimes need to speculate about what he is talking, only by PPT courseware, his body language or gesture, which I take as the imperfection of the perfection. But here I’d like to say, regrets are now nothing but to encourage me to be a true worker in the documentary credit world.


 

本次课程感谢安德烈先生不远万里,来到中国为我们进行现场业务指导,感谢李永宏先生精准到位的点评与总结,更感谢宏丰佳和为我们搭建的平台,正是因为这样的平台,使我们从业者,尤其是城商行,有机会结识国内外顶级业务专家,有机会与同业精英进行面对面交流。从他们身上,我学到的不仅是高深的业务知识,宝贵的实务经验,更学到了作为“单证人”的那种纯粹的、专注的业务精神。

Thanks, Mr Andrle, for coming from a distant place to provide us with the site instruction .  Thanks, Mr Li yonghong, for his accurate comments and summaries. But I want to express more gratitude to the company who has built such a platform for all civil documentary workers. It is due to the platform that we,especially the workers from City Commercial Banks, can gain the opportunities to get acquainted with the global top-level business specialists, and the opportunities to make face- to-face communications with an elite group of bank employees, from whom I have learned not merely the advanced business, the practical experience, but also the pure, absolutely dedicated spirits as documentary workers should have.

因为刚好遇见你

   留下足迹才美丽

       期待下一次相见!

Cause I just happened to meet you,

  Then I know you were meant to be there.

    Leaving my footprints gorgeously,

     I expect, our next encounter.

 


本文作者:张家口银行国际业务部 李科辉

Author:  Bank of Zhangjiakou, Co., Ltd.   Likehui 



课程通知

商学院第一期  第三课 

URDG758、ISP98疑难条款精解



时间:9月9日-10日   



地点:上海



简纲  (可修12PDU学分)

一、保函及备用信用证基础知识

二、URDG758讲解

三、ISP98条款讲解

四、案例分析研讨

 



商学院第二期  第一课

UCP600、ISBP745疑难条款精解



时间:9月23日-24日    



地点:广州



简纲  (可修12PDU学分)

一、UCP600: 理解与应用

二、ISBP745重点及疑难条文解析



 


强监管形势下贸易融资产品合规应用与营销技能培训班



第一期:2017年09月16日-17日  青 岛   

第二期:2017年10月21日-22日  深 圳   



简纲 (可修12PDU学分)

1、基础国际贸易融资主要产品与运用方法

2、国际贸易融资风险管理与营销实战技巧 


 


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