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In this dialogue，you consult the bank about how to issue a SWIFT L/C．The person from the bank gives a detailed introduction of the SWIFT L/C．Through this dialogue，you should know what is a SWIFT L/C．

本对话中，你咨询银行，如何开立SWIFT格式的信用证。银行的人详细地介绍了SWIFT格式的信用证。通过本对话学习，你应当了解什么是SWIFT格式信用证。

A—Bank Clerk　B—Customer

A　Can I help you，Sir?

需要帮忙吗，先生?

B　Yes．I want to open an L/C，but I don't know how to work?

我想开个信用证，但我不明白如何运作?

A　OK，let me tell you．A letter of credit is a written payment document issued by a bank at the request of a customer，usually the importer．It will be sent to the exporter to make shipment and prepare the documents specified in the L/C．As soon as the L/C and documents are presented to the issuing bank，the bank must pay to the exporter，that is，the beneficiary of the L/C．The bank acts as the first payer and this is the most important feature of the L/C．

好，让我来告诉你。信用证是应客户，通常是进口商要求而开立的一种书面付款文件。信用证将被寄给出口商，使出口商可以安排装船，并根据信用证的要求准备单据。一旦信用证和单据提交给开证行，开证行必须付款给出口商，即信用证的受益人。银行作为第一支付人进行支付，这就是信用证最重要的特征。

B　Would you tell me what the main content of an L/C is?

您能告诉我信用证的主要内容吗?

A　Name，quantity and price of the goods，ports of loading and destination，payment terms，shipping documents，latest shipment date and validity of the L/C，etc．

商品的品名、数量、价格，装货港和目的港，付款条件，装船单据，最迟装运期和信用证有效期等内容。

B　Then how can I send an L/C to my customer?

那么，我怎么才可以向我的客户开出信用证呢?

A　In practice，the issuing bank will send the L/C to one of its correspondents at the place of exporter by airmail or telecommunication．After verifying the authenticity of the L/C，the correspondent，i．e．，the advising bank will send the L/C to the exporter．

实际操作中，开证行以信开或电开方式将信用证发给出口商所在地的代理行。在检验信用证的真实性后，代理行，也就是通知行将信用证送达出口方。

B　What do you mean by telecommunication?

您说的电开是什么意思?

A　It refers to three formats，namely，cable，telex and SWIFT．Cable and telex are almost no longer used．SWIFT is short for Society for Worldwide Interbank Financial Telecommunication．As it can supply secure，reliable，fast and standardized messaging service，most banks in the world now have become its members and used it to transfer messages among its member banks worldwide．And most letters of credit now are issued by means of SWIFT because SWIFT has advantages over airmail，cable ortelexintermsofitssafety，reliability，standardization and expenses．SWIFT style L/C has a relatively fixed format．

电开是指电报、电传和SWIFT三种格式。电报和电传现在几乎不用了。SWIFT是环球同业银行金融电讯协会的简称。由于它可以提供安全，可靠，快速，标准化的信息服务，世界上大多数银行现已成为它的会员并使用它在全球会员银行间传递信息。并且多数信用证现在也是通过SWIFT来开立，因为它较之航空邮件或电报、电传在安全性，可靠性，标准化和费用方面都有优势。SWIFT格式开立的信用证在格式方面比较固定。

B　That means L/Cs issued by your bank are also in SWIFT format?

那就是说你们银行开立的信用证也是SWIFT格式的?

B　One more thing．How can my customer receive the proceeds?

还有一件事。我的客户怎样才能收到钱?

A　The exporter will make shipment and present all the documents required by the L/C to the negotiating bank if it is available by negotiation．If the documents are found to be in compliance with the terms of the L/C upon careful checking，the bank will negotiate the documents and send them to the issuing bank for reimbursement．The issuing bank will debit importer's account when releasing the shipping documents to the importer．The whole transaction now comes to the end．

如果信用证是可以议付的，出口商办理装运后向议付行提交信用证所要求的所有单据。议付行在仔细审单后，只要所提交的单据和信用证要求一致，议付行将议付并将单据提交给开证行索偿。当开证行将装船单据交给进口商时，开证行会借记进口方的帐户。这样整个交易就完成了。

B　OK．Then what should I do to open an L/C with your bank?

好的。那么要在贵行开证，我该怎么做呢?

A　You need to fill out an application form for L/C opening and provide us with necessary documents including the copies of your contract or order form，your financial statements and your guarantee，say，margin money．Since it is the first time for you to open an L/C with our bank，you also need to present your business licence and foreign exchange licence．

您需要填写开证申请书并向我们提供必要的文件，包括你们的合同或订单的副本，财务报表和担保，比如保证金。您是第一次在我行开证，所以您还需要出示您的营业执照和外汇许可证。

B　I see．Thank you very much．

我明白了，谢谢您!

Part II．Useful Sentences常用句子

1．SWIFT，formed in Brussels，Belgium in 1973，is a non-forprofitinternationalcooperativeorganizationforthe transmission of financial transaction messages．

1973年成立于比利时布鲁塞尔的SWIFT是一家传递金融交易信息的非营利性国际合作组织。

2．All our branches that have permission to offer foreign currency services are now connected to the SWIFT system，which greatly improved the speed of foreign currency clearance．

我们所有经许可提供外汇服务的支行现在都连接SWIFT系统，这样大大提高了外汇结算的速度。

3．SWIFT message transmission is controlled by user's code and password so as to ensure its safety．

SWIFT的信息传递是通过用户代号及密码控制以确保它的安全性的。

4．SWIFT code is just like the bank's ID．

SWIFT代号就像银行的身份证。

5．SWIFT system requires all L/C messages to be structured in a uniform and standardized format．

SWIFT体系要求所有信用证的信息结构采用统一标准化的格式。

6．SWIFT L/C texts are composed of fields，some of which are mandatory such as“date of expiry”and some of which are optional such as“maximum credit amount”．

SWIFT信用证的文本由项目构成，其中有些项目是必选的，如“有效期”，而有些项目是可选的，如“信用证最大金额”。

7．At present most of the banks in China are members of the SWIFT．

目前，中国大多数银行都是SWIFT成员。

8．The cost of SWIFT is only about 18%of that of telex for same amount of texts．

对于相同数量的文本，SWIFT的费用大约只有电传的18%。

9．Banks advising credits issued through SWIFT should ensure in accordance with SWIFT rules that the appropriate UCP incorporation clause was included in the credit advice sent to the beneficiary．

通知行在通知以SWIFT开立的信用证时，应遵照SWIFT规则，确保在信用证通知书上加注适用信用证统一惯例的条款后再将信用证交给受益人。

10．SWIFT User Handbook states that L/Cs transmitted through

SWIFT are automatically subject to ICC UCP500．

《SWIFT用户手册》中规定以SWIFT传递的信用证自动地受国际商会《跟单信用证统一惯例500》的约束。

Part III．New Words and Expressions单词和短语

payment document支付单据

issue开立，开出

issuing bank开证行

beneficiary受益人

ports of loading卸货港

destination目的地

shipping documents装运单据

in practice在实际当中

by airmail航空邮寄

telecommunication电信

authenticity真实性

advising bank通知行

SWIFT:SocietyforWorldwideInterbankFinancial

Telecommunication环球同业银行金融电讯协会

standardized标准的

messaging service信息服务

expenses费用，花费

proceeds收入，收益

negotiating bank议付行

in compliance with与……相一致

debit借记(财务用语)

financial statement财务报表

margin money保证金

business license营业执照

foreign exchange license外汇许可证

Part IV．Compose a conversation based on the following situation．情景对话