信用证方式中的银行审单责任探析

银行信用是信用证支付方式的支柱。银行在信用证支付中担任重要角色的同时。也承担着被起诉不当付款、不当拒付的审单责任风险。今年初实施的《最高人民法院关于审理信用证纠纷案件若干问题的规定》对信用证中的各种相关问题进行了规定。也为确定信用证业务中的银行审单责任带来了新的依据。笔者将论述此规定对银行审单责任带来的影响及其在银行审单责任问题上尚存在不足和立法建议。

On Banks' Responsibility to Examine Documents Under Letter of Credit

The bank acts as the first payer of letter of credit, which is the most important feature of L/C. While playing an important role in payment of L/C, the bank examining documents faces risks of being suited for improper payment or imporper refusal to pay. China has been lack of laws concerning bank's responsibility to examine documents under letter of credit. The Provisions of the Supreme Court on L/C Cases implemented at the beginning of the year provides legal groundings for banks to take on responsibilities in examining documents. The author expounds the effect of the provision on bank's responsibilities in examining documents. Analyzing the problems, the paper puts forward some legislative suggestions.