Ibaruwa y'inguzanyo ni iki?

Ibaruwa y'inguzanyo bivuga icyemezo cyanditse cyatanzwe na banki kubohereza ibicuruzwa hanze (ugurisha) bisabwe nuwatumije ibicuruzwa (umuguzi) kugirango yishyure ibicuruzwa.Mu ibaruwa y'inguzanyo, banki yemerera ibicuruzwa byohereza ibicuruzwa mu mahanga gutanga fagitire y'ivunjisha itarenze amafaranga yagenwe na banki yayobowe cyangwa banki yagenwe nk'uwishyuye mu gihe giteganijwe mu ibaruwa y'inguzanyo, no kugerekaho inyandiko zo kohereza nk'uko bisabwa, no kwishyura ahabigenewe ku gihe wakire ibicuruzwa.

Uburyo rusange bwo kwishyura ukoresheje ibaruwa yinguzanyo ni:

1. Impande zombi zitumiza mu mahanga n’ibyoherezwa mu mahanga zigomba kwerekana neza mu masezerano yo kugurisha ko ubwishyu bugomba gutangwa hakoreshejwe ibaruwa y'inguzanyo;
2. Uwatumije mu mahanga atanga icyifuzo cya L / C muri banki giherereyemo, yuzuza ibyasabwe na L / C, kandi yishyura inguzanyo runaka kuri L / C cyangwa atanga izindi ngwate, abaza banki (itanga banki) gutanga L / C kubohereza ibicuruzwa hanze;
3. Banki itanga banki itanga ibaruwa yinguzanyo kubohereza ibicuruzwa hanze nkabagenerwabikorwa bakurikije ibikubiye mubisabwa, ikanamenyesha uwatumije ibicuruzwa hanze yinguzanyo abinyujije muri banki yabakozi cyangwa banki yabanyamakuru ahoherezwa hanze (hamwe na hamwe bita kugira inama banki);
4. Nyuma yo kohereza ibicuruzwa hanze no kubona ibyangombwa byoherezwa bisabwa ninzandiko yinguzanyo, yumvikanisha inguzanyo na banki iherereye (irashobora kuba banki itanga inama cyangwa andi mabanki) nkuko biteganijwe mu ibaruwa ya inguzanyo;
5. Nyuma yo kuganira ku nguzanyo, banki yumushyikirano izerekana amafaranga agomba kumvikana ku gikombe cy'urwandiko rw'inguzanyo.

Ibiri mu ibaruwa y'inguzanyo:

Gusobanura ibaruwa y'inguzanyo ubwayo;nk'ubwoko bwayo, imiterere, igihe cyemewe n'ahantu birangirira;
Ibisabwa ku bicuruzwa;ibisobanuro ukurikije amasezerano
Spirit Umwuka mubi wo gutwara
Ibisabwa ibyangombwa, aribyo inyandiko zimizigo, ibyangombwa byubwikorezi, ibyangombwa byubwishingizi nibindi byangombwa;
Ibisabwa byihariye
IssGutanga amabanki ashinzwe banki kubagenerwabikorwa nabafite umushinga wubwishingizi bwo kwishyura;
Certificate Impamyabumenyi nyinshi z’amahanga zashyizweho ikimenyetso: “Keretse niba byavuzwe ukundi, iki cyemezo gikemurwa hakurikijwe Urugaga mpuzamahanga rw’ubucuruzi“ gasutamo imwe n’imikorere yo gutanga inguzanyo ”, ni ukuvuga ICC yatangajwe No 600 (“ ucp600 ″) ”;
⑧T / T Ingingo yo Kwishura

Amahame atatu yinzandiko yinguzanyo

PrinciplesIhame ryigenga rishingiye kubikorwa bya L / C.
LetterIbaruwa y'inguzanyo ihuye neza n'ihame
RAmahame y'ibidasanzwe kuri L / C Uburiganya

Ibiranga:

Ibaruwa y'inguzanyo ifite ibintu bitatu biranga:
Ubwa mbere, ibaruwa yinguzanyo nigikoresho cyihagije, ibaruwa yinguzanyo ntabwo yometse kumasezerano yo kugurisha, kandi banki ishimangira icyemezo cyanditse cyo gutandukanya ibaruwa yinguzanyo nubucuruzi bwibanze mugihe cyo gusuzuma inyandiko;
Iya kabiri ni uko ibaruwa y'inguzanyo ari inyandiko yuzuye, kandi ibaruwa y'inguzanyo ni ubwishyu ku nyandiko, bitagengwa n'ibicuruzwa.Igihe cyose ibyangombwa bihuye, banki itanga igomba kwishyura nta shiti;
Icya gatatu ni uko banki itanga ishinzwe imyenda y'ibanze yo kwishyura.Ibaruwa y'inguzanyo ni ubwoko bw'inguzanyo ya banki, ni inyandiko y'ingwate ya banki.Banki itanga ifite inshingano zambere zo kwishyura.

Ubwoko:

1. Ukurikije niba umushinga uri munsi yinzandiko yinguzanyo uherekejwe ninyandiko zo kohereza, igabanijwemo ibaruwa yinguzanyo ninyandiko yinguzanyo yambaye ubusa.
2. Hashingiwe ku nshingano za banki itanga, irashobora kugabanywamo: ibaruwa y'inguzanyo idasubirwaho n'inzandiko y'inguzanyo isubirwamo;
3. Ukurikije niba hari indi banki yemeza ko yishyuwe, irashobora kugabanywamo: ibaruwa yinguzanyo yemejwe ninzandiko yinguzanyo idasubirwaho.
4. Ukurikije igihe cyo kwishyura gitandukanye, irashobora kugabanywamo: ibaruwa yinguzanyo, ibaruwa yinguzanyo hamwe ninzandiko zikoreshwa zinguzanyo
5. Ukurikije niba uburenganzira bw'uwagenerwabikorwa ku ibaruwa y'inguzanyo bushobora kwimurwa, bushobora kugabanywamo: ibaruwa y'inguzanyo yimurwa hamwe n'ibaruwa y'inguzanyo idashobora kwimurwa;
6. Ibaruwa itukura yinguzanyo
7. Ukurikije imikorere yibimenyetso, irashobora kugabanywamo: ibaruwa yinguzanyo ya folio, ibaruwa yinguzanyo izenguruka, ibaruwa yinguzanyo isubira inyuma, ibaruwa yambere yinguzanyo / ibaruwa yinguzanyo, ibaruwa isaba inguzanyo
8. Ukurikije ibaruwa yinguzanyo izunguruka, irashobora kugabanywamo: kuzunguruka mu buryo bwikora, kudahita byizunguruka, igice cyikora kizunguruka