英语翻译7.2.3.2 Circulation of Letter of CreditAfter signing,wit

英语翻译
7.2.3.2 Circulation of Letter of Credit
After signing,with the exporter,a contract agreeing to make payment by L/C,the importer requests his bank to issue a letter of credit in favor of the exporter.If it accepts the importer’s application,the opening bank issues a letter of credit and then informs its foreign branch or correspondent to advise the beneficiary(the exporter),who then examine the letter of credit.If it does not conform to the conditions set in the sales contract,the exporter may request an amendment.If it is an irrevocable letter of credit,and they usually are,it cannot be changed unless all parties agree to amend.
After confirming the letter of credit,the exporter delivers the goods to the shipper who then issues a bill of lading.Other documents,such as invoices and insurance documents,are prepared by the exporter.The next step occurs when the exporter draws a her own bank.Usually this bank will investigate the documents and,if they are in order,it will pay the draft.The letter of credit and documents are sent to the opening bank.It is the bank ‘s responsibility to examine the documents in relation to the letter of credit,by new documents,or by amendments.Discrepancies include any one of the following:the letter of credit expired;the draft was not properly drawn;there was no indication on the bill of lading that goods were received on board;there was insufficient insurance;or an invoice description did not match that of the letter of credit.If no discrepancies are found after careful checking,the opening bank will reimburse the money to the exporter’s bank(negotiating bank) in accordance with the terms of the credit.The opening bank then presents the documents to the buyer for payment or acceptance.Documents will be released to the buyer upon his payment of amount due or acceptance of the draft.With the documents,the buyer can take delivery of the goods.

信用证的流程
在同出口商签订合同,同意以信用证支付后,进口商要求其银行开出以出口商为受益人的信用证.在银行接受进口商的申请后,开立行开出信用证,接着通知其国外分行或通知行告知受益人（出口商）,受益人将对信用证进行审核.若信用证的条款同销售合同不一致,出口商可以要求修改.若此为不可撤销的信用证,通常无法变更,除非双方一致同意修改.
在对信用证进行确认后,出口商将货物交给承运人,其开出海运提单.其他文件,比如发票,保险单由出口商准备.下一步是将这些文件递交给出口商的银行,银行将对这些文件进行审核,若文件形式合格,将予以付款.信用证和文件送到开立行.其负责结合信用证对新文件或修改进行审查.不符点包括如下：信用证过期；汇票未正确开出；在海运提单上货物未指明在甲板上收货；没有足够的保险；或发票说明不符合信用证.若仔细检查后为发现不符点,开立行将根据信用证条款向出口商银行（议付行）进行汇款.开立行将向买方出示单据以获得付款,或买方在付款之后才会向买方释放单据,或承兑汇票.携带这些文件买方就可以接受货物.