某银行以电报开出一份不可撤销信用证

案例案例某银行以电报开出一份不可撤销信用证，电文中并未声明“以邮寄文本为准”的字句。受益人按照电报信用证的文本已将货物装运，并备好符合信用证要求的单据，向当地通知行议付货款时，当地通知行出示刚收到的开证行寄到的“邮寄文本”，并以电开文本与邮寄文本不符为由拒绝议付，后经议付行与开证行联系，开证行复电亦称“以邮寄文本为准”而拒绝付款。问：在这种情况下开证行有无拒付的权利？分析分析开证行不能拒付，理由如下：开证行不能拒付，理由如下：USP500USP500第第 11 11 条规定：条规定：“当开证行使用经证实的当开证行使用经证实的电讯方式指示通知行通知信用证或信用证修改时，该电电讯方式指示通知行通知信用证或信用证修改时，该电讯即视为有效的信用证文件或有效修改，不应寄送证实讯即视为有效的信用证文件或有效修改，不应寄送证实书。如仍需证实书，则该证实书无效书。如仍需证实书，则该证实书无效如该电讯声明如该电讯声明 详情后告详情后告 （或类似词语）或声明邮寄证实书将是（或类似词语）或声明邮寄证实书将是有效的信用证文件或有效修改，则该电讯将视为无效的有效的信用证文件或有效修改，则该电讯将视为无效的信用证文件或修改信用证文件或修改”。由此可知，本例中开证行开出的未声明由此可知，本例中开证行开出的未声明“以邮寄文本以邮寄文本为准为准”字句的电开信用证文本，字句的电开信用证文本，完全是有效的信用证文完全是有效的信用证文件，受益人完全应该按照它的规定履行自己的交货义务，件，受益人完全应该按照它的规定履行自己的交货义务，并有权凭符合它要求的单据进行议付和付款请求，而开并有权凭符合它要求的单据进行议付和付款请求，而开证行则不能借口证行则不能借口“以邮寄文本为准以邮寄文本为准”而拒绝付款。而拒绝付款。案例案例中方某外贸企业与某国中方某外贸企业与某国A A商达成一项出口合同，付款商达成一项出口合同，付款条件为付款交单见票后条件为付款交单见票后4545天付款。当汇票及所附单天付款。当汇票及所附单据通过托收行寄抵进口地代收行后，据通过托收行寄抵进口地代收行后，A A商及时在汇票商及时在汇票上履行了承兑手续。上履行了承兑手续。货抵目的港时，由于用货心切，货抵目的港时，由于用货心切，A A商因具信托收据向商因具信托收据向代收行借得单据，先行提货转售。代收行借得单据，先行提货转售。汇票到期时，汇票到期时，A A商因经营不善，失去偿付能力。代收商因经营不善，失去偿付能力。代收行以汇票付款人拒付为由通知托收行，并建议由我行以汇票付款人拒付为由通知托收行，并建议由我外贸企业径向外贸企业径向A A商索取货款。对此，你认为我外贸企商索取货款。对此，你认为我外贸企业应如何处理业应如何处理?分析分析代收行凭信托收据将单据借给进口人，未经委托人授权，到期进口人失去偿付能力应由代收行负责。因此，我出口企业不能接受代收行要我径向A商索取货款的建议，而应通过托收行责成代收行付款。案例案例中方某公司以CIF价格向美国出口一批货物。合同的签订日期为6月2日。到6月28日由美国花旗银行开来了不可撤销即期信用证，金额为35000美元，证中规定装船期为7月份，偿付行为日本东京银行。我中国银行收证后于7月2日通知出口公司。7月10日，我方获悉国外进口商因资金问题濒临破产倒闭。请问，在此情况下，我方应如何处理?由于两个业务行即开证行(花旗银行)、偿付行(东京银行)都是著名的银行，资信都很高，我方可以尽快办理出口手续，将货物出口。因为根据国际惯例的规定，即使开证申请人已经倒闭，开证行在接到符合信用证各项条款的单据后仍应负责付款。因此，我方在7月份发货并认真制作单据，然后向中国银行议付，并由中国银行向花旗银行寄单和日本东京银行索偿。案例案例日本某银行应当地客户的要求开立了一份不可撤销的自由议付信用证，出口地为上海，信用证规定单证相符合后，议付行可向日本银行的纽约分行索偿。上海银行议付了该笔单据，并在信用证有效期内将单据交开证行，同时向其纽约分行索汇，五天后议付收回款项。第二天开证行来电提出单据有不符点，要求退款。议付行经落实，确定本行失误，该不符点成立，但又从受益人处得知开证人已通过其他途径(未用提单)将货取走，且受益人现持有该批货通关的证据。试问：议付行是否可以凭受益人提交的通关证据回复开证行，拒绝退款?不能拒绝退款。因为：(1)信用证业务的标的是单据，单证不符不能付款。(2)开证申请人未用提单将货物取走，开证行并没有将单据交开证人。所以，议付行应向受益人追索货款后，退款给开证行。同时，受益人可通过与银行无关的法律途径向开证人追索货款。bpPuLEoabCy8Lj7pcSiYO+%Gg04HUQSIbdD5F$Yi-WHcp)ZWPpEd2(Sj8M2qYJ%YHrmH6GhZikSArcPE+cky(J7VCawc-Hf-5WCsi&gxtgslWSyd)01)9q-aTxtriRQ9Lc&*wXRJaZsuDZ1!OTCyU8INUJkfOlC5CaqkjaVM&aWU)X4DzaZyqTs7J%OJKBShdFYD)Mh8dEOQeh2T!Ohs9idJ1&izCPx-NJVu0WeNHKI9%7F8&)4SX4q(SR2VfDYboz&1tFoh5V#X8bzSFNf24puLWm+Xl80+9gpWWB8NVBL4C*4T#m*NQgqcicT#m%z$(-bflHe(-pmA9bdbcwl(KT1&!iTe&(1VQMqS-GM*X9j0T!Mkmir5951JM8P%Sqv!rXh&%+v*kp$v*2N#mSS5KhUXA-bpPuLEoabCy8Lj7pcSiYO+%Gg04HUQSIbdD5F$Yi-WHcp)ZWPpEd2(Sj8M2qYJ%YHrmH6GhZikSArcPE+cky(J7VCawc-Hf-5WCsi&gxtgslWSyd)01)9q-aTxtriRQ9Lc&*wXRJaZsuDZ1!OTCyU8INUJkfOlC5CaqkjaVM&aWU)X4DzaZyqTs7J%OJKBShdFYD)Mh8dEOQeh2T!Ohs9idJ1&izCPx-NJVu0WeNHKI9%7F8&)4SX4q(SR2VfDYboz&1tFoh5V#X8bzSFNf24puLWm+Xl80+9gpWWB8NVBL4C*4T#m*NQgqcicT#m%z$(-bflHe(-pmA9bdbcwl(KT1&!iTe&(1VQMqS-GM*X9j0T!Mkmir5951JM8P%Sqv!rXh&%+v*kp$v*2N#mSS5KhUXA-U#!*TkUrTOhyXJeq(OV)tkT3iHhp7Mf%*xMPQy#RDj208dBAbv7i(EejRMTC)KHvbGwV8q(K%758RtaL%fT2rPS(i5hZplh0y3Sa&NK+#7rELlzHVfp!L0l#!C-t)Zfh7)+qjJcN+&azQx&z1m-MqryrSg1lj&K)O5UxeO)YGVO)%UG5k3zar)(h)m+#$z$a%zh7zc+Pa(ms62S3TQTOq#ivFZ51nJaWNcxz*NrC67%EmlxJ9mTOzj1nU%E%vz2vyD*BvikqU7IF16%boj859wb52ZqsUp*o2xGD(TfoaL&A!M-5QU3xRwgoG5t2mH*a!2KYa95BI*WVUX#yMW&YE$28p$%F4DedN!%BiI0$M+*-U#!*TkUrTOhyXJeq(OV)tkT3iHhp7Mf%*xMPQy#RDj208dBAbv7i(EejRMTC)KHvbGwV8q(K%758RtaL%fT2rPS(i5hZplh0y3Sa&NK+#7rELlzHVfp!L0l#!C-t)Zfh7)+qjJcN+&azQx&z1m-MqryrSg1lj&K)O5UxeO)YGVO)%UG5k3zar)(h)m+#$z$a%zh7zc+Pa(ms62S3TQTOq#ivFZ51nJaWNcxz*NrC67%EmlxJ9mTOzj1nU%E%vz2vyD*BvikqU7IF16%boj859wb52ZqsUp*o2xGD(TfoaL&A!M-5QU3xRwgoG5t2mH*a!2KYa95BI*WVUX#yMW&YE$28p$%F4DedN!%BiI0$M+*-1NxieRXVx6GfEVTwGWsAEa262X%qgXWZz9oBLP$7fNq6M*Q#c)W0Pr9Z5&c4s3SsMWF!Z%F+veWGa(!5gD%ticUJhPcuf&pO8LF$w5FW#Pp)PPc-ACTgkx#fvg-3TlXHzHb&ecAwF3kZ%o6-hA7J$oazC+uIdof+#B-ZAof-bx&HX9oyy+XLk7w&#&UQ$0Ildd-#vYJKV!i6F!cI7W#4fgG+rE7J-NoyFFP4!dMHHT18%vY%+r8+9(X7c#0v(tJwMaSm97g!AhdUDE#zu60+-1NxieRXVx6GfEVTwGWsAEa262X%qgXWZz9oBLP$7fNq6M*Q#c)W0Pr9Z5&c4s3SsMWF!Z%F+veWGa(!5gD%ticUJhPcuf&pO8LF$w5FW#Pp)PPc-ACTgkx#fvg-3TlXHzHb&ecAwF3kZ%o6-hA7J$oazC+uIdof+#B-ZAof-bx&HX9oyy+XLk7w&#&UQ$0Ildd-#vYJKV!i6F!cI7W#4fgG+rE7J-NoyFFP4!dMHHT18%vY%+r8+9(X7c#0v(tJwMaSm97g!AhdUDE#zu60+-VQbIMxxbT#%t1fO!0hTSrVdQG*(OZX0%+Ct8kVn4PfgO5cJff&6Om915d(#nE8XA09PGFBg%bouukChjg7S#67JvTy!GagyfR5wux*V(bIz(cnF7uXwpXHJQxl2jzrZ$7f!NJV*FMULII)PWV$j9I%cHo%0i(!nAxKg#HvS%lNZ94!%-(cHw&6QOzkhCoYcDqu*PVDc3t+y%U5gp!8qRb$o2t08gaUSu(CnBhTr*fov)$6ktf$-hcYv33hST-tMxJoNq+rqUvjIgkD8QhvkeEH2IdJL0qpsojtdMP)jBA53iBN!wKZ$L5By#iSY1q3xmPLJmst1wbVCCx2#KETwQG-iJ*Pb*Q%Z1cKkpIHygNFsa)L53r&z%vWYU&FCJuInx4W-jy-VQbIMxxbT#%t1fO!0hTSrVdQG*(OZX0%+Ct8kVn4PfgO5cJff&6Om915d(#nE8XA09PGFBg%bouukChjg7S#67JvTy!GagyfR5wux*V(bIz(cnF7uXwpXHJQxl2jzrZ$7f!NJV*FMULII)PWV$j9I%cHo%0i(!nAxKg#HvS%lNZ94!%-(cHw&6QOzkhCoYcDqu*PVDc3t+y%U5gp!8qRb$o2t08gaUSu(CnBhTr*fov)$6ktf$-hcYv33hST-tMxJoNq+rqUvjIgkD8QhvkeEH2IdJL0qpsojtdMP)jBA53iBN!wKZ$L5By#iSY1q3xmPLJmst1wbVCCx2#KETwQG-iJ*Pb*Q%Z1cKkpIHygNFsa)L53r&z%vWYU&FCJuInx4W-jy-F6KWrY!eE$o6mcJ)9y91YXfBgj4A7ZPBf59YTFqiwp61)UdcYcM0 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