商务英语学习

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Letters of credit for the importation of goods from foreign countries into Canada are frequently required by the supplier to be established in his favor, sometimes these are for surprisingly small amounts, obviously where the importer is little known to the exporter, otherwise ordinary” bill of collection” or “open account procedure” would be followed. Many Canadian importers are therefore familiar with these instruments. The Canadian importer, when faced with such a request, applies to this bank for the facility. As the bank’s undertaking will be replacing that of the importer, the bank will treat this as an application for credit and will give consideration to setting up a “line of credit” in the same way as if it were an application for a loan. If the line is granted or has already been arranged. The importer competes an “application for commercial credit” in which he gives full details of the credit requires. Normally, the credit will be irrevocable, that is, once it has been received by or advised to the beneficiary it cann’t be retracted or changed without the beneficiary’s consent, and the opening bank must meet any drafts presented provided the terms of the letter of credit have been complied with.

办理从外国向加拿大进口货物时，供货人往往要求开立以他为受益人的信用证，有时信用证的金额小得惊人，尤其当进口商不大为出口商所了解时更是如此，不然的话就得采取普通的“票据托收”或者“开账户”的方式来解决。因此许多加拿大进口商对这些支付方式很熟悉。加拿大进口商碰到这种要求时便向自己的银行申请信贷便利。由于银行承诺将取代进口商的承诺，银行将此视为申请信贷，而且会考虑设立一个信贷额度，就和申请一笔贷款一样。如果这样额度已经提供或者安排妥当，进口商便办理商业信贷申请手续，向银行提供他所需信贷的详细要求。在通常情况下，信用证是不可撤消的，就是说，一旦信用证被受益人收到或者通知他，未经受益人同意该信用证是不能收回或更改的，而且提示的任何汇票，只要符合信用证条款，开证银行都必须照样兑付。