Everyday is special,and we don not know if it will be our last day,so happy everday.Fighting......

我的最新日志

  • A road which I won't choose

    2008-5-21

    There is a long time to renew my blog,I am so busy in these time.I will be graduated,maybe ,all the boring things come to me .I am a little worry about my future . One of my best friend find a man to marry,under the help of her mother. Maybe,it is also a good road for most girls,but I deeply think I won't choose the way to go.
  • Life Is A Kind of Attitude

    2008-2-19

    Recently, I often hear some of the students on campus complain that life is dull and meaningless, because each day they find themselves trapped in repeated work with the same tempo. There is no drive, no passion and no change in their life. It sounds so true and natural. Normally, as a student, our task is to study. If it is true that we had fresh feelings at the beginning of the years when we entered the university, our enthusiasm and curiosity are inevitably worn out after several years of mechanical study. So increased complaints would emerge.
    We may complain simply because we are dissatisfied with reality as it is far different from what we are pursuing, or because the study itself fails to bring us the desired pride and satisfaction, or because people around could not offer us solicitude and warmness we are longing for. Please do not let this disgruntled mood run rampart no matter what makes us depressed and displeased. Otherwise, it can only drag us farther from our ideals, weaken our activities on campus and alienate those around us. None of us would like to see such an outcome. Life is actually very simple and what is complex is our attitude.
    I have always cherished a saying, "We must believe what we have now, in favorable or adverse circumstances, is the best arrangement for us." As it is the best, why shouldn't we treasure it? Maybe our study is simple, mechanical, dull, tedious, even unbearable, but please look around and we will find some of the others are studying with enthusiasm and enjoying it. When we focus all our attention on our study just like others and try to perfect it, we will once again be full of ardor. Our understanding and creativity will be resuscitated, and we will be able to savor the happiness in our study, which is sure to bring us the expected pride and satisfaction.
    This is also true of daily life. You must know that everything in your daily life is yours, but the key is how you treat it, and manipulate it. Each of us has such experiences: When we are in high mood, even a crow's croak is sweet, but when in trouble, we will find the song of a lark cacophonous. I always remember a story about Repin, a famous Russian painter. One day he took a walk with his friend after a snow. His friend noticed a dirty spot by the road, obviously caused by a dog's urine, so he kicked some snow and mud over it. This made Repin very angry because he said he had always come to enjoy that little piece of beautiful amber color those days. In our life, when we are complaining about displeasure or dissatisfaction, we might as well think of the mark left by a dog's urination. Whether it was a "dirty spot", or a "piece of beautiful amber color", depends on our attitude.
    Life favors everybody. We pursue love, and although we fail, we may become poets. We pursue enterprise, and although we fail, we have gained experience from it or may become men of mark by chance. We pursue ideal, and although we fail, we may have more important findings in scientific field. Everything has byproducts of itself. The key point is our attitude toward the result.
    This is true of study, but isn't this also true of the life road we take?
  • Life Is A Kind of Attitude

    2008-2-19

    Recently, I often hear some of the students on campus complain that life is dull and meaningless, because each day they find themselves trapped in repeated work with the same tempo. There is no drive, no passion and no change in their life. It sounds so true and natural. Normally, as a student, our task is to study. If it is true that we had fresh feelings at the beginning of the years when we entered the university, our enthusiasm and curiosity are inevitably worn out after several years of mechanical study. So increased complaints would emerge.
    We may complain simply because we are dissatisfied with reality as it is far different from what we are pursuing, or because the study itself fails to bring us the desired pride and satisfaction, or because people around could not offer us solicitude and warmness we are longing for. Please do not let this disgruntled mood run rampart no matter what makes us depressed and displeased. Otherwise, it can only drag us farther from our ideals, weaken our activities on campus and alienate those around us. None of us would like to see such an outcome. Life is actually very simple and what is complex is our attitude.
    I have always cherished a saying, "We must believe what we have now, in favorable or adverse circumstances, is the best arrangement for us." As it is the best, why shouldn't we treasure it? Maybe our study is simple, mechanical, dull, tedious, even unbearable, but please look around and we will find some of the others are studying with enthusiasm and enjoying it. When we focus all our attention on our study just like others and try to perfect it, we will once again be full of ardor. Our understanding and creativity will be resuscitated, and we will be able to savor the happiness in our study, which is sure to bring us the expected pride and satisfaction.
    This is also true of daily life. You must know that everything in your daily life is yours, but the key is how you treat it, and manipulate it. Each of us has such experiences: When we are in high mood, even a crow's croak is sweet, but when in trouble, we will find the song of a lark cacophonous. I always remember a story about Repin, a famous Russian painter. One day he took a walk with his friend after a snow. His friend noticed a dirty spot by the road, obviously caused by a dog's urine, so he kicked some snow and mud over it. This made Repin very angry because he said he had always come to enjoy that little piece of beautiful amber color those days. In our life, when we are complaining about displeasure or dissatisfaction, we might as well think of the mark left by a dog's urination. Whether it was a "dirty spot", or a "piece of beautiful amber color", depends on our attitude.
    Life favors everybody. We pursue love, and although we fail, we may become poets. We pursue enterprise, and although we fail, we have gained experience from it or may become men of mark by chance. We pursue ideal, and although we fail, we may have more important findings in scientific field. Everything has byproducts of itself. The key point is our attitude toward the result.
    This is true of study, but isn't this also true of the life road we take?
  • Life Is A Kind of Attitude

    2008-2-19

    Recently, I often hear some of the students on campus complain that life is dull and meaningless, because each day they find themselves trapped in repeated work with the same tempo. There is no drive, no passion and no change in their life. It sounds so true and natural. Normally, as a student, our task is to study. If it is true that we had fresh feelings at the beginning of the years when we entered the university, our enthusiasm and curiosity are inevitably worn out after several years of mechanical study. So increased complaints would emerge.
    We may complain simply because we are dissatisfied with reality as it is far different from what we are pursuing, or because the study itself fails to bring us the desired pride and satisfaction, or because people around could not offer us solicitude and warmness we are longing for. Please do not let this disgruntled mood run rampart no matter what makes us depressed and displeased. Otherwise, it can only drag us farther from our ideals, weaken our activities on campus and alienate those around us. None of us would like to see such an outcome. Life is actually very simple and what is complex is our attitude.
    I have always cherished a saying, "We must believe what we have now, in favorable or adverse circumstances, is the best arrangement for us." As it is the best, why shouldn't we treasure it? Maybe our study is simple, mechanical, dull, tedious, even unbearable, but please look around and we will find some of the others are studying with enthusiasm and enjoying it. When we focus all our attention on our study just like others and try to perfect it, we will once again be full of ardor. Our understanding and creativity will be resuscitated, and we will be able to savor the happiness in our study, which is sure to bring us the expected pride and satisfaction.
    This is also true of daily life. You must know that everything in your daily life is yours, but the key is how you treat it, and manipulate it. Each of us has such experiences: When we are in high mood, even a crow's croak is sweet, but when in trouble, we will find the song of a lark cacophonous. I always remember a story about Repin, a famous Russian painter. One day he took a walk with his friend after a snow. His friend noticed a dirty spot by the road, obviously caused by a dog's urine, so he kicked some snow and mud over it. This made Repin very angry because he said he had always come to enjoy that little piece of beautiful amber color those days. In our life, when we are complaining about displeasure or dissatisfaction, we might as well think of the mark left by a dog's urination. Whether it was a "dirty spot", or a "piece of beautiful amber color", depends on our attitude.
    Life favors everybody. We pursue love, and although we fail, we may become poets. We pursue enterprise, and although we fail, we have gained experience from it or may become men of mark by chance. We pursue ideal, and although we fail, we may have more important findings in scientific field. Everything has byproducts of itself. The key point is our attitude toward the result.
    This is true of study, but isn't this also true of the life road we take?
  • 《海牙规则》、《维斯比规则》、《汉堡规则》之间的区别

    2007-12-21

    从《海牙规则》到《汉堡规则》有关提单的国际公约在内容上发生了质的变化,对当事各方利益的保护更加合理,也适应了不断发展的航运技术的要求。总的来讲,这三个国际公约实质上的区别主要在以下几个方面:

      一、承运人的责任基础不同

      《海牙规则》由于在当时的历史背景下,船东的强大势力和航运技术条件的限制决定了《海牙规则》对承运人的要求不会十分严格,因此《海牙规则》对承运人责任基础采用了“不完全过失原则”。《维斯比规则》对这点没加任何修订。《汉堡规则》则将其改为了“推定的完全过失原则”。

      所谓“过失原则”是指有过失即负责,无过失即不负责,一般国家的民法多采用这一原则为基础。《海牙规则》总的规定也是要求承运人对自己的过失承担责任,但同时又规定“船长、船员、引航员或承运人的雇佣人员在驾驶或管理船舶上的行为、疏忽或不履行契约”可以要求免责(也是《海牙规则》遭非议最多的条款),即有过失也无须负责,因此,《海牙规则》被认为采用的是不完全过失原则。比起过失原则,这种责任制度虽然对承运人网开一面,但在当时的历史条件下还是有着明显的进步意义的。

      《汉堡规则》的立场则严格得多,它不仅以是否存在过失来决定承运人是否负责,而且规定举证责任也要由承运人承担,即第五条规定的“除非承运人证明他本人,其受雇人或代理人为避免该事故发生及其后果已采取了一切所能合理要求的措施,否则承运人应对货物灭失或损坏或延迟交货所造成的损失负赔偿责任……。”这样承运人的责任大大加重了。

      二、承运人的最高责任赔偿限额不同

      首先,从《海牙规则》到《汉堡规则》依次提高了对每单位货物的最高赔偿金额。《海牙规则》规定船东或承运人对货物或与货物有关的灭失或损坏的赔偿金额不超过每件或每单位100英镑或相当于100英镑的等值货币。《维斯比规则》将最高赔偿金额提高为每件或每单位10000金法郎或按灭失或受损货物毛重计算,每公斤30金法郎,两者以较高金额的为准。同时明确一个金法郎是一个含有66.5毫克黄金,纯度为千分之九百的单位。《汉堡规则》再次将承运人的最高赔偿责任增加至每件或每货运单位835特别提款权(Special Drawing Rights,SDR或称记帐单位)或每公斤2.5特别提款权,两者以金额高的为准。

      其次,对灭失或损害货物的计量方法越来越合理。《海牙规则》是以每件或每单位来计量货物。随着托盘、集装箱等成组化运输方式的发展,这种计量方式的弊端逐渐显现。因而,《维斯比规则》和《海牙规则》都规定如果以集装箱或托盘或类似集装运输工具运送货物,当提单内载明运输工具内货物的包数或件数时,以集装箱或托盘所载货物的每一小件为单位,逐件赔偿;当提单内未载明货物具体件数时,则以一个集装箱或一个托盘作为一件货物进行赔偿。

      三、对货物的定义不同

      《海牙规则》对货物定义的范围较窄,将活动物、甲板货都排除在外。《汉堡规则》扩大了货物的定义。不仅把活动物、甲板货列人货物范畴,而且包括了集装箱和托盘等包装运输工具,“凡货物拼装在集装箱,托盘或类似运输器具内,或者货物是包装的,而这种运输器具或包装是由托运人提供的,则‘货物’包括他们在
    内”。

      四、公约适用范围不同

      《海牙规则》只适用于缔约国所签发的提单。这样,如果当事各方没有事先约定,那么对同一航运公司所经营的同一航线上来往不同的货物,可能会出现有的适用《海牙规则》,有的不能适用《海牙规则》的奇怪现象。《汉堡规则》则避免了这一缺憾。它不仅规定公约适用于两个不同缔约国间的所有海上运输合同,而且规定①被告所在地;②提单签发地;③装货港;④卸货港;⑤运输合同指定地点,五个地点之中任何一个在缔约国的都可以适用《汉堡规则》。

      五、承运人的责任期间不同

      《海牙规则》规定承运人的责任期间是“……自货物装上船舶开始至卸离船舶为止的一段时间……”,有人称之为“钩至钩”。《汉堡规则》则将责任期间扩大为承运人或其代理人从托运人或托运人的代理人手中接管货物时起,至承运人将货物交付收货人或收货人的代理人时止,包括装货港、运输途中、卸货港、集装箱堆场或集装箱货运站在内的承运人掌管的全部期间,简称为“港到港”。

      六、诉讼时效不同

      《海牙规则》的诉讼时效为一年。一年后“……在任何情况下承运人和船舶都被解除其对灭失或损害的一切责任……”。一年时间对远洋运输的当事人,特别是对要经过复杂索赔、理赔程序,而后向承运人追偿的保险人来讲,无疑过短。《维斯比规则》规定诉讼时效经当事各方同意可以延长。并且在“……一年期满之后,只要是在受诉讼法院的法律准许期间之内,便可向第三方提起索赔诉讼……”,但时间必须在三个月以内。这样部分缓解了时效时间过短在实践中造成的困难。到《汉堡规则》一方面直接将诉讼时效延长至两年,另一方面仍旧保留了《维斯比规则》90天追赔诉讼时效的规定。

      七、对承运人延迟交货责任的规定不同

      由于历史条件的限制,《海牙——维斯比规则》对延迟交货未作任何规定。《汉堡规则》则在第二条规定:“如果货物未能在明确议定的时间内,或虽无此项议定,但未能在考虑到实际情况对一个勤勉的承运人所能合理要求的时间内,在海上运输合同所规定的卸货港交货,即为延迟交付”,承运人要对延迟交付承担赔偿责任。赔偿范围包括:①行市损失;②利息损失;③停工、停产损失。赔偿金额最多为延迟交付货物所应支付运费的2.5倍,且不应超过合同运费的总额。

      除以上各条外,《汉堡规则》还在海上运输合同的定义、举证责任等多方面有别于《海牙——维斯比规则》,加大了承运人的责任范围。

  • Help!

    2007-12-11

       Recently,I will begin to write my english paper ,the title is "on the corlor words and their symbolic meanings in english and chinese"if you have materials about this ,please tell me.thanks.
  • UCP600

    2007-12-09

    摘 要:2007年7月1日,国际贸易结算领域的新惯例——UCP600将生效。该惯例的产生与商务实践的飞速发展和UCP500的本质缺陷密切相关。较之于UCP500,UCP600在文本结构、条款内容、语气措词上都发生了显著的变化,是一次革命性的变革,必将产生巨大影响。各大进出口企业及相关部门应该认真学习研究新的惯例,以确保顺利渡过不足半年的过渡期,更好地保护自身利益,并把业务风险控制到最低点。
      关键词:国际贸易结算;新惯例;UCP600
      中图分类号:F740 文献标志码:A 文章编号:1673-291X(2007)07-0168-04
      
      跟单信用证统一惯例(Uniform. Customs and Practice for Documentary Credits,简称UCP),是国际银行界、律师界、学术界自觉遵守的“法律”,是全世界公认的到目前为止最为成功的一套非官方规定。七十多年来,160多个国家和地区的ICC(国际商会)和不断扩充的ICC委员会持续为UCP的完善而努力工作着。目前,大家熟悉并使用了13年的UCP500即将退出历史舞台,UCP600将于2007年7月1日正式实施生效[1]。鉴于信用证在我国的进出口结算中扮演重要角色,广大进出口商及相关部门需要很好地学习新的国际惯例,并根据惯例的改变调整自身业务操作以便更好地保护自身利益,力争在开拓业务的同时把业务风险控制到最低点。
      
      一、UCP600的修订原因
      
      UCP于1933年问世(国际商会第82号出版物),目的是消除不同国家关于信用证法律方面的冲突,创建一个统一规则[2]。自此,UCP 先后经历了六次修订,分别是1952年(国际商会第151号出版物)、1962年(国际商会第222号出版物)、1973年(国际商会第290号出版物)、1983年(国际商会第400号出版物)、1993年(国际商会第500号出版物,仍在实施中)、2006年(国际商会第600号出版物,于2007年7月1日实施)。UCP500自1994年实施至今已十多年了,毋庸置疑,该文本较以前的UCP有了较大的进步,不仅推动了信用证自身的发展,同时,也促进了UCP在全球范围内更广泛的应用,保障了国际结算和国际贸易的顺利发展。
      然而,自UCP500生效以来,银行实务中围绕该惯例产生的争议层出不穷。国际商会银行技术委员会遗憾而且关切地注意到,在UCP500实施以后,一些银行错误地解释和应用UCP500的一些条文。由于未能正确地运用这些条文,其结果严重妨碍了按照UCP500开立的跟单信用证的使用。比如,据有关统计表明,由于包括银行和进出口商在内的当事人存在对UCP的错误理解及应用,大约有70%的信用证项下的单据在首次交单时由于不符而遭拒付,这就严重影响了信用证作为一种主要的付款工具的地位,而事实上成为了一种拒付的工具。另外,在信用证法律方面,这些年也出现了多宗与UCP500条款的解释与应用有失偏颇或对UCP500中的条款发出质疑的判例。而且,随着国际贸易和信息电子技术的发展,与信用证业务相关的运输、保险、质检、物流等方面的做法也出现了显著的变化,UCP500在条款设置及措词方面也存在一定不足[3]。总之,其条款的全面性、实务的针对性、内容与时代的同步性已逐渐显现出自身的不足。再加上,UCP500语言偏晦涩、语句欠精练、条款较繁杂、分类不科学的毛病也一直是困扰业界的问题。考虑到上述诸多变化,许多银行界人士和信用证专家纷纷向国际商会提出应该对UCP500进行一次全面修订,以适应新形势的发展。为此,ICC于2002年初成立UCP修订工作小组,提出修订UCP500的动议。
      
      二、UCP600的修订过程
      
      多份研究报告显示,高比例、高频率发生的信用证拒付现象日益危及信用证在国际结算中的地位。在2002年4月的ICC银行委员会会议上,各国代表对何时、如何修订UCP500未达成一致意见(我国赞成立即开始修订),但一致同意先对产生最多争议的七个条款进行评议。因为ICC提出的专家意见中超过58%集中在UCP500这七个条款上:第九条 开证行与保兑行的责任(共二十六次);第十三条 审核单据的标准(共四十三次);第十四条 不符点单据与通知(共六十次);第二十一条 对单据出单人或单据内容未作规定(共二十九次);第二十三条 海运提单(共四十七次);第三十七条 商业发票(共二十六次);第四十八条 可转让信用证(共三十一次)。2003年5月,ICC正式授权ICC银行委员会启动UCP500修订工作。修订工作分三层组织机构:(1)The drafting Group (起草小组),小组共10位成员,其中8位来自欧洲,其余两位分别来自
    美国和新加坡,小组主席是Gary Collyer[4];(2)The Consulting Group(咨询小组),小组由来自26个国家的银行、运输及物流、保险等不同行业的40余位专业人士组成;(3)ICC national committees (国家委员会)。
      UCP600修订的过程分为三个阶段:(1)REVISION PROCESS,全面回顾UCP500实施以来ICC发布的各类出版物、意见书及决定,吸收其中的合理条款。(2)GENERAL OBJECTIVE,全面反映近年来国际银行业、运输业和保险业出现的变化,并体现一定的前瞻性;全面检讨UCP500中的条款结构和文字措辞。(3)CO-OPERATION,建立稳定的三级合作机制。在复杂的磋商过程中,起草小组共收到来自各ICC国家委员会的5 000多份意见书。这里值得一提的是国际商会中国国家委员会(ICCCHINA)参与了修订的全过程,而且是最主要的几个参与国家之一。三年来,ICC银行技术与惯例委员会每年的春、秋例会上,UCP都是重要讨论的议题。2006年10月25日,在巴黎举行的ICC银行技术与惯例委员会2006年秋季例会上,以点名(RollCall)形式,经71个国家和地区ICC委员会以91∶0的投票赞成,UCP600最终得以通过,并将于2007年7月1日生效[2]。
      
      三、UCP600相对于UCP500的变化和特征
      
      (一)UCP 600第一次系统地对有关信用证的14个概念进行了定义
      UCP自上世纪30年代问世,先后经历了六次修订。然而,不论哪一个版本,均未对诸如开证行、申请人、受益人等相关当事人及保兑、议付和交单等相关行为进行定义。对这些概念,只能通过上下文及实务中形成的习惯认识来理解。针对同一个概念,由于语言、文化,案例乃至价值取向的不同,不同国家、不同当事人甚至不同法院往往会有不同的解释,因此就会造成对UCP条款的曲解与误用,出现惯例统一而标准相异的现象。对众多概念进行定义,是一项复杂而又系统的工程,它不仅涉及到概念本身,更重要的是涉及各概念之间的相互联系。统一实务中形成的不同观点,建立一套既与ICC以往观点不相矛盾又能经得起实践和时间检验的清晰标准是非常有意义的。UCP600在这方面迈出了关键性的一步,第一次系统地对有关信用证的14个概念进行了定义,这14个概念是:Advising bank; Applicant;Banking day; Beneficiary; Complying presentation; Confirmation; Confirming bank; Credit; Honour; Issuing bank; Negotiation; Nominated bank; Presentation;Presenter。
       (二)UCP600文本结构与内容编排上发生了较大变化
      UCP600对UCP500的49个条款进行了大幅度的调整及增删,变成现在的39条[4]。具体情况如下:
      UCP600新增下列条款:(1)第2条,定义;(2)第3条,解释;(3)第4条b款,关于不得将合同、形式发票等列为信用证组成部分的规定;(4)第6条d(ii)款,关于交单地点的规定;(5)第9条c款,第二通知行的规定;(6)第10条d,f款关于接受或拒绝修改的通知以及默认修改的条款;(7)第12条b款融资授权;(8)第13条a款,URR的适用;(9)第14条d款,单据内容的一致性;第14条j款,地址及联系细节;第14条l款,运输单据的签发人。
      UCP500中以下条款所规定的内容由于表达不确切、内容已过时及与国际贸易实务相脱节或超出UCP的范围等原因被删除:(1)第5条,开立/修改信用证的指示;(2)第6条, 可撤销与不可撤销信用证;(3)第8条,信用证的撤销;(4)第12条,不完整或不清楚的指示;(5)第14条f款,关于凭保议付的规定;(6)第30条,运输行签发的单据;(7)第33条a,b,c款,运费到付/预付运输单据;(8)第38条,其他单据;(9)第42条c款,关于信用证有效期的模糊规定;(10)第46条a款,有关“装运”的解释[3]。
      UCP600的条文编排参照了ISP98的模式,按照业务环节对条款进行了归结。就是把通知、修改、审单、偿付、拒付等环节涉及的条款在原来UCP500的基础上分别集中,使得对某一问题的规定更加明确和系统化,改变了原UCP500在次序排列上的不足,极大地方便了使用者。其中第1—5条为总则部分,包括UCP的适用范围、定义条款、解释规则、信用证的独立性等;第6—13条明确了有关信用证的开立、修改、各当事人的关系与责任等问题;第14—16条是关于单据的审核标准、单证相符或不符的处理的规定;第17—28条属单据条款,包括商业发票、运输单据、保险单据等;第29—32条是杂项规定;第33—37条属银行的免责条款;第38条是关于可转让信用证的规定;第39条是关于款项让渡的规定。
      (三)UCP600的语气措辞更为简洁、严格、清晰、先进
      UCP600的变化是全方位的,但最具影响的还是字里行间的变化,有时仅一个单词的不同便可能形成新的标准。
      1.简洁。UCP不是法律,而是惯例,信用证本身可以根据需要改变其规定。UCP500为表明这一态度,先后近30次明确“除非信用证另有规定(unless otherwise stipulated in the credit)”。为了简化语句,同时避免诱导信用证出现与UCP本质精神相反的条款,UCP600仅在第1条作出了类似的总括性规定:“unless expressly modified or excluded in the credit”,而从500的“除非信用证另有规定”到600的“除非明确修改或排除”的变化,其目的是为了进一步突出信用证本身的条款超越或者补充惯例的原则。另外,“and/or”改变为“or”,单复数同义。惯例行文很多涉及平行两项的选择,比如“汇票与单据”、“装货港与卸货港”等,旧惯例往往用and/or表达,全文出现五十多处。而实际绝大多数仅为“二者选一”,而不是“二者选一或二者兼有”。鉴于or能够起到相同的作用,600仅在需要的地方保留三处and/or,其余均修订为or,大大简化了惯例的行文。600另一个行文简化的典型就是明确了单词的单复数意义相同:“Where applicable,words in the singular include the plural and in the plural include the singular”,这样一来,不论是惯例本身还是依据其开立的信用证便简明多了,比如,“credit”和“discrepancy”便无须再表达为“credit(s)”和“discrepancy(ies)”了。
      2.严格。UCP500条款中常常使用诸如“应该”、“可以”或“将”这类多具劝导而缺少律令意味的词语,如此降低了UCP作为规则的不可挪移性。为了便于操作和执行,体现其规则语言的特点和权威性,UCP600加强了语气,对标准的措辞更加严格清晰了,我们可以从下列统计数字中明确感受到:UCP500使用should 15次,600 为 6 次; 500 使用must 54 次,600 则为77 次;500 往往措词为banks will accept,而600 则表达为“单据必须”;500使用“看起来”(appear) 达 39 次,600 则只为15次。而对于在UCP中备受强调的“表面上”(on its face),500 出现28 处,新惯例仅在审核单据的标准条款保留一处,以此表明银行仅负责单据的表面相符性这一标准并没有改变。
      3.清晰。措辞的变化使表达更清晰、确切。比如,关于拒付电的变化,UCP500的规定为“Banks must give notice”,而600的措词则为“Banks must give a single notice”。尽管实务中已经认可的标准及ICC的相关解释为“仅能发出一次性拒付电”,但旧惯例的语句不能使人必然得出只能发出一次通知的结论,增加a single弥补了这一漏洞。又如,关于“5%溢短”的变化,500在规定“about”修饰单价、金额和数量时,允许被修饰者有不超过10%的溢短,即“allowing a difference not to exceed 10% more or less”。但在涉及“在信用证金额不超支的情况下允许货物数量有5%范围的溢短”时,用词则是“a tolerance of 5% more or less allowed”。由于这一规定会使人产生“只能是5%整”的误解,600将其修订为“not to exceed 5%”,这样既消除了误解,又与关于about的规定相统一。
      4.先进。UCP自其产生,就规定银行对于天灾、暴动、骚乱、叛乱、战争或银行本身无法控制的其他原因而中断营业所引起的一切后果一概免责。但近年来
    恐怖活动激增,成为影响国际贸易的潜在因素。UCP600因势而变,增加了银行“对恐怖活动造成的后果免责”的规定,显示了UCP的先进性。另外,由于可撤销信用证对受益人缺乏保障,近些年来几乎没被使用过,因此,在UCP600的第2条中对“信用证”的定义以及第3条中的解释规则(A credit is irrevocable even if there is no indication to that effect.)均明确规定信用证是不可撤销的。从 “如果信用证没有注明其是否可撤销则被视为可撤销”(UCP400)到“如果信用证没有注明其是否可撤销则被视为不可撤销”(UCP500),再到如今UCP600关于不可撤销的规定,表明了UCP顺应商务实践发展的潮流与时俱进的重要特征。
      (四)确立了新的国际结算实务操作标准,增加了实务操作性条款
      1.确立了银行审单的5天规则[4]
      关于开证行、保兑行和指定银行在收到单据后的处理时间,在UCP500中,规定为收单翌日起最长不超过7个工作日的合理时间。然而,随着市场竞争日趋剧烈,多数银行收到单据的当日便开始审核。600为了反映实务的变化,将其修改为“收到单据翌日起最长不超过5个工作日”,从而加快了银行处理单据的速度,确立了新的审单标准。另外,UCP500的7个工作日是以“reasonable time”即“合理时间”为前提的。当前业务中,经常出现处理时间是否合理的争议,这一概念受到当地行业惯例的影响,而一旦诉诸法律,还受到法官主观判断的影响,因此,围绕这一概念的纠纷不断发生。针对这种现状,UCP600删除了该条件,把单据处理时间的双重判断标准简化为单纯的天数标准,使得判断依据简单化,从根本上消除了UCP500规定的不确定性及过于理想化给银行带来的困扰,同时,也消除了法院以“不合理”为由轻易地干涉银行业务的隐患。关于审单时限的缩短,总体来说对受益人更为有利,加速了贸易进程。
     2.增加了银行对不符单据处理方式[4]
      UCP500第14条规定开证行对于不符单据可以有两种处理方式:一是持单听候处理,二是退还交单人。但是,在银行实务中开证行提出不符点并拒付后,并不必然退单,因为开证申请人并不一定拒付,原因是进口货物总有销售或生产的需要,同时,也已耗费了大量的时间和人力,所以真正拒付者不多。因此,开证行便在拒付电中加列“正就不符点征求申请人意见,一旦其放弃不符点,开证行将向其交单”的语句。但这种做法并没有得到国际商会的赞同,因为他们认为单据在未付款前所有权归交单者所有,这样的条款只有加在信用证上(而不是拒付通知中)才是有效的。显然,持单征询申请人对不符点的意见及等待其接受单据是更为符合实务的做法,有利于促进问题的解决。因此600摒弃ICC以往的观点,在第16条c款(iii)中规定拒付电可以表明“开证行持单直至申请人放弃不符点”,UCP600把这种条款纳入合理的范围内,符合了现实业务的发展,减少了因此产生纠纷的可能,并且有望缩短不符点单据处理的周期,这不仅改变了惯例,也是对法律的挑战。
      3.明确了遗失单据的风险分担
      UCP500第16条规定:“银行对由于任何文电、信函或单据在传递中发生延误及/或遗失所造成的后果,或对于任何电讯在传递过程中发生的延误、残缺或其他差错,概不负责。”比如,单据遗失后货物被提取,由此造成的损失,不得由寄单银行或开证行承担。由于信用证业务的委托人不是申请人就是受益人,所以,该损失不是由受益人承担,就是由申请人承担。然而,实务中很多人将银行免责理解为银行免除付款责任,这是对UCP的曲解。根据UCP500第9条a款“对不可撤销的信用证而言,在信用证规定的单据全部提交指定银行或开证行,并且这些单据又符合信用证条款的规定时,便构成开证行的确定承诺”。据此,相符单据提交到被指定银行,开证行的付款责任便确立了,而这并不是以“必须收到单据”为前提。鉴于此,为避免纠纷,UCP600第35条明确规定只要指定银行审单后认为单证相符,无论指定银行是否已经兑付或议付(有时受益人并不要求指定银行兑付或议付),开证行或保兑行必须偿付指定银行,即使单据在从指定银行寄往开证行或保兑行途中或保兑行寄往开证行途中丢失。这一规定无疑具有重大意义,对消除误解,减少纠纷,加强开证行的付款责任,将起到重要作用。
      4.明确开证行可以作为转让行转让自己开立的信用证
      转让信用证实际上是为了给中间商的交易提供便利,避免其重开信用证的麻烦以及对其资信的要求。按照UCP500第48条,只有被指定银行才能转让信用证。但根据第10条,信用证可以规定被指定银行,也可以不规定被指定银行。那么,在后者情况下,信用证便不能转让。而被指定的转让行又并不必然有转让的义务,若其拒绝办理转让,可能导致第一受益人(即中间商)的交易无法进行。实务中曾多次出现开证行转让自己开立信用证的情况,由于缺乏惯例,造成了不少纠纷。ICC因此形成了“只要信用证在开证行有效,开证行可以作为转让行”的意见。600采纳了这一观点,并取消了“信用证须在开证行有效”的前提,使得信用证的转让更具灵活性,具体表现为:
      (1)明确开证行可以作为转让行转让信用证,解决了被指定银行拒绝转让的问题。
      (2)规定转让行有权在第一受益人无法或疏于换单(发票及汇票)的情况下直接将收到的第二受益人的单据提交给开证行,旨在保护没有过错的第二受益人。
      (3)明确第二受益人必须向转让行交单,也就是第二受益人不得绕过转让行而直接向开证行交单,实际上是为了保护第一受益人的利益不受侵害。
      通过上述规定以及对各方受益人的利益的权衡,更明确了第一受益人、第二受益人和转让行之间的关系和流程。
      5.建立了“单据必须满足其功能”的标准[5]
      UCP500第21条规定:“对于运输、保险及发票之外的单据,如果信用证未规定单据的出具人和内容,只要内容与其他单据不相矛盾,银行将予接受。”限于篇幅和简洁的需要,信用证不会对每一种单据内容面面俱到,一般情况下仅给出单据的名称。第21条提供的宽松条件便成了受益人处理单据的万应灵药,以致造成对该条款的滥用。比如装箱单不表明包装,质量证不显示质量,检验证没有检验结果,凡此种种均缺乏单据所应具有的效力。对这种明显既不符合常理又可能会对申请人清关提货以及生产销售造成影响的单据,却因“内容与其他单据并不冲突”而不得不接受,使得收到的单据与信用证要求的初衷相违背。UCP600针对这一明显不足,在本条的基础上增加了更加符合实际的规定,即“只要内容看来满足了所要求单据的功能”,从而建立了新的审单标准。
      6.明确了“沉默不等于接受”
      为了兼顾申请人与受益人的利益,UCP500并没有强制受益人必须发出接受或拒绝修改的通知,并给予其“以最后交单表示接受或拒绝”的权利。这种对受益人的优惠,常常带来问题。比如,若要对曾经修改过的信用证再次修改,由于尚未收到单据而不知受益人是否已接受了上次修改,在两次修改有关联的情况下,就难以确定这次修改的内容。于是,一些银行便在信用证的修改通知中加列“如果在一个规定时间内,受益人没有正式拒绝修改,修改就自动生效”等类似语句。ICC强烈反对此类错误做法,认为这是“沉默等于接受”的翻版,称其改变了“不可撤销信用证未经开证行、保兑行及受益人的同意,不得修改和撤销的性质”。而受益人的沉默被假设为接受,这也是与许多国家的法律相违背的。鉴于这种对惯例的错误运用及ICC曾表达的观点,600作出了明确的规定:如果修改中加列了接受或拒绝修改的时限,银行将不予理睬。
      受制于笔者的水平和文章的篇幅,上述分析是粗浅的,但我们不难看出,尽管还存在某些未决问题甚至漏洞,UCP600之于500的变化是革命性的,它的影响是巨大的。还有不到半年的过渡期,各外贸企业及相关部门对于这样一个纲领性文件,应认真学习和研究,掌握其精神实质,为新惯例的实施提前做好各种准备,以保障信用证业务的顺利进行。
      
      参考文献:
      [1] 张燕玲.意在笔先 未雨绸缪——写在UCP600时代到来之际[N].国际商报,2006-11-27,A1.
      [2] Banking Commission approves revised rules on documentary credits.http://www.iccwbo.org/iccjcde/index.html
      [3] 王善论.UCP600——信用证领域的新规则Part 1[N].国际商报,2007-01-05.
      [4] Understanding the UCP 600,http://www.iccwbo.org/events/display12/index.html?CodeICMS=S0702
      [5] 阎之大.UCP600前瞻——即将成稿实施的UCP600会有哪些变化?[J].中国外汇,2006(7).
  • An Analysis of Sexism in English Language

    2007-12-09

    An Analysis of Sexism in English Language

    [Abstract] Language plays an important role in society. As a phenomenon of society, language reflects all the sides of human society naturally. Sexism is a phenomenon that takes a male-as-norm attitude, trivializing, insulting or rendering women invisible. As a special social phenomenon, sexism is inevitably reflected through language.
    To start with, the thesis traces the reasons for the occurrence of sexism in the English language. In nature, sexism in language reflects sexism in society. The two are closely related. Social connotations of sexism in English tell the relationship between phenomenon of sexism in language and essence of sexism in society. Then the thesis analyses sexism in terms of the generic masculine, word order and semantic derogation of women in greater detail. Finally, a large part of the thesis is contributed to how to change sexism in English. The author of the thesis thinks the key to the problem is: (1) solve the problem of generic pronouns; (2) neutralize lexis; (3) strive for balanced naming and addressing system; (4) coin new corresponding words. The elimination of linguistic sexism lies in social change. Only by changing the social structure, that is, women and men own really equal status, can language equality be truly achieved.

    [Key Words] sexism; English language; lexical neutralization; feminism
     
    浅析英语中的性别歧视现象

    [摘 要] 语言在社会中所处的地位尤为重要。作为一种社会现象的语言,必然会反映出人类社会的各种社会观念。性别歧视作为这其中的一种,是指把男性视作社会规范和中心,轻视,
    侮辱女性或使她们显得微不足道。而这一特定的社会现象必然会在语言中折射出来。
    论文首先剖析了英语中性别歧视现象形成的根源。从本质来说,语言中的性别歧视是社会中性别歧视的体现。两者紧密相连。性别歧视的社会内涵反映的就是这种语言中的性别歧视现象与社会中的性别歧视的本质的关系。接着论文从阳性词泛指,词序,词义的贬降等方面对英语中的性别歧视现象进行了详细的分析。最后论文还着力探讨如何改变这种歧视。作者认为,改变性别歧视主要解决以下几个问题:(1) 避免阳性代词的泛指;(2) 词汇的中性化;(3)命名与称谓的对等;(4)创造新的对应词。语言中的性别歧视的最终消亡取决于社会变化。只有改变社会结构,即男女真正拥有平等的地位,语言中的平等才能真正实现。消除语言中的性别歧视的根本在于实现男女的平等的社会变革。

    [关键词] 性别歧视;英语语言;词汇中性化;女权主义

     

    1.  Introduction
    As the peculiar result of the development of human society, language is a kind of social phenomenon and reflects all the sides of human society naturally. Its existence and development are closely linked with the social attitudes of human beings and to a great extent are affected by their social views and values. Historically and sociologically, our society is man-oriented and man-centered. Women, regarded as a weaker gender in society, are discriminated for a long time and completely subordinated in political life, economic life and even family life in the society dominated by men. Unavoidably, this kind of phenomenon has been embodied in languages. In linguistic aspect, language is bias-based and women suffer from language sexism. Gender-differentiated language use can reflect and help perpetuate the subordinate status of women in society.
    Since 1960s, feminists strive for the elimination of gender discrimination, for the greater recognition of women’s contributions to society and aim to change many cultural and social customs that perpetuate patriarchal value systems. Many fields of life around the world have been, or are being, affected by this movement. One of the many impacts feminism on society is its impact on language. Language was and is seen by many feminists as a powerful instrument of patriarchy.


    2. The Factors of Sexism in the English Language
    Sexism in English is not formed in one day, but built up in the long period of the development of language, which leads to the variety of the causes. What causes the sexism in the English Language? There are four factors: cultural factor, physiological factor, social factor and psychological factor.

    (1) Cultural factor
    In the Holy Bible (The Books of The Old Testament): “So the Lord God caused a deep sleep to fall upon the man, and he slept; then he took one of his ribs and closed up its place with flesh. And the rib that the Lord God had taken from the man he made into a woman and brought her to the man. Then the man said, ‘This at last is bone of my bones and flesh of my flesh; this one shall be called Woman, for out of Man this one was taken.’ ” [1]
    Man came to the world first while woman made from one of man’s ribs was created just as a help meet for him. And she was not created until all other animals failed to meet the satisfaction of the man. From the order of the birth, it is obvious to see the different importance of man and woman. And man and woman are not equal at all because woman is only a part of man, which itself is the discrimination against women. It is said in the Holy Bible that the first sin is also committed by the woman. She was seduced by the snake into eating the fruit of the tree of the knowledge of good and evil and having the man eat, too. At last, the woman was punished to bring forth children in pain and was ruled over by the man. From above, the superiority of men and inferiority of women is clearly seen. The Holy Bible is actually a book of men. As Christianity is such a powerful religion in Western countries, it is unreasonable to deny that this helps to set and consolidate the inferiority of women.
    (2) Physiological factor
    For extended work and life together, people realized that men are tall in stature, strong in muscle and robust in physique. In contrary to men, women are small in stature, weak in physique and have more fat and less muscle than men. Women also mature more rapidly. [2] In a word, men are stronger than women. This determines that men play a more and more important role in social and economic lives. A man’s job is to work outside but a woman’s job is to stay at home, do the housework and take care of the children. Women are treated as the weaker ones and they realize their own values through their marriages to men. At last, women are lower in status. They have to leech on to men and are dominated by men. Gradually, people begin to discriminate women and think that they are inferior in intelligence. This wrong perspective forms slowly and reflects in language.
    (3) Social factor (Labor division)
    Feminists all claim that we live in a patriarchal society: a society of men, ruled by men and for men. Patriarchy depicts men as the perfect norm against which women are measured and found lacking.
    Both the Western and Eastern societies use sex, to one degree or another, in allocating tasks, activities, rights, and responsibilities. As for the job done by men and women, there is a long-stereotyped notion of what they can do. In history, there has been a division of labor--a division in which women’s place was restrained at home for housework and child-care while men worked outside being the breadwinner. At last, men had dominance over women, and women had to be dependent on men. This was the turning point for women. From then on, in paternal society, slavery society and capitalist society, women had been on the bottom of society. In long and endless course of history, sexism against women has been accumulated. It is due to different labor division that leads to different social status. This has been clear in ancient and modern society. Later, in addition to domestic work, women began to enter the paid work place. However, even though half of women are employed outside the home, the belief persists that woman is mainly, and primarily, in the roles of wife and mother.
    Due to women's relative physical weakness and lower educational background, they do primarily the low-status, low-paying jobs. Although men also have family roles, they are defined primarily by their economic or occupational position. Thus the sexism in the society has been in existence, the embodiment of which is necessarily the sexism of language.
    (4) Psychological factor
    Because of the social and cultural factors, women are always considered to be the weak. People treat women as inferior to men. They educate men to be manly, decisive, and brave while women are required to be polite, conservative, obedient, and gentle. Because women are in subordinate status in the society, they have to constrain their emotion and give up their own need to meet the satisfaction of men. As time passes, when speaking women pay more attention to the elegance and standard of language than men. They use more pleasant and polite words in the hope that they can receive other’s approval. And they are taught to speak softly, to avoid contradicting others, to be obedient in communication, and to be aware of giving cues of strong confidence. They mould themselves to be inferior in their potential sub consciousness.[3] Therefore, women try their best to strengthen their social status through their speech than men do. The lower women’s position is, the more polite they are in the face of others. And the standard language they use can show their submission and politeness. This also suggests that women are in a lower position in the society.


    3. Phenomena of sexism in the English language
    3.1 The generic masculine
    Sexism in language in general comes in three major forms: language ignores women; it defines women as less significant than men; and it completely opposes women. They can be located in the generic masculine terms.

    3.1.1 Generic pronouns
    Generic pronouns are pronouns that are said to refer, with equal likelihood, to women and men. But the English language ignores women by allowing masculine terms to be used specifically to refer to males and commonly to refer to human beings in general. The generic pronoun “he” is perhaps the most well known example of the gender-specific of sexist language, and is frequently referred to be “he/man” language. The most significant manifestation of the sexism is in the use of generic masculine pronouns “he” and its variants “his”, “him” and “himself” in such sentences as:
    (1) He who laughs last laughs best.
    (2) Everyone must do his homework well.
    (3) If anyone calls, tell him I will be back later.
    (4) Everyone should learn to solve problems himself.
    In the above examples, “he”, “his”, “him” and “himself” are used not sex-specifically, but generically, that is, although the pronouns refer grammatically to the single male citizen, they should be taken to refer to both male and female citizens in general. On the formal occasions, ‘he’, ‘him’ or ‘his’ can be used to refer to such indefinite pronouns as each, everyone, everybody, no one, someone, anyone and so on. While ‘she’, ‘her’, ‘herself’ don’t have such usages.  

    3.1.2 Generic nouns
    Another well-known example of generic masculine terms is “man”. The definitions of “man” in Oxford Advanced Learner’s English-Chinese Dictionary (Extended fourth edition) are as follows: ① adult male human being; ② human being of either sex; person ③ [sing](without the or a) the human race; mankind. There are some examples taken from the dictionary. ① All men must die. ②Growing old is something a man has to accept. ③Man is mortal. [4] From these definitions and examples, it is easy to see that “man”, and “men” can be used generically to refer to both male and female. But ‘woman’ and ‘women’ cannot be employed in reference to men.
    This also reminds people of the famous saying from the US Declaration of Independence: “All men are created equal.” Should people argue that the “men” does not include women because women were not given the right to vote in the eighteenth century America? [5] A clear explanation of this phenomenon may be found in sentence like:
    (1) Man is a social animal.
    (2) Men remake nature.
    When seeing the three sentences, speakers of English are able to readily interpret “man” and “men” as meaning “the human race”; “humankind”. If not, the two sentences could be changed into
    (3) Woman is a social animal.
    (4) Women remake nature.
    Of course, they are grammatically well formed; semantically, however, the third sentence has the defect of being partial, and the fourth sentence is very ridiculous.
    From above, one can know that in English using “man” or “men” to indicate “the human race”, neglects the fact that men and women are equal in the society. By contraries, they treat man as the center of society, an embodiment of criterion and totally ignore the existence of woman.[6] There are many other generic masculine terms such as man-to-man, prehistoric man, brotherhood, chairman, and policeman.
     
    3.1.3 Women being attached to men
    The English language distinguishes women’s courtesy titles on the basis of marital status, but not those of men. There is only one form of address for men, Mr., regardless of martial status. However, the martial status of women is distinguished by Miss and Mrs., reflecting the notion that whether or not a woman is in a marriage. This discriminatory practice is said to mark the availability of women in terms of marriage (sex) and reinforces the view that a woman is the property of a man (either her father or her husband). When a woman has been married, people address her as “Mrs. plus her husband’s surname”. That is to say, if a woman is married to somebody, she has no right to be treated like an unmarried lady. As to a man, that’s a different matter. For example: In English-speaking countries, you can often hear someone call the wife of John Smith “Mrs. John Smith”. There is no exception of famous Madame Curie, Mrs. Thatcher, and Mrs. Gandhi.[7] Mrs. Thatcher is the former Prime Minister in UK. However, few people know her own family names.[8] Mr. Clinton’s wife, Hilary Clinton, as a liberated woman, kept her name Hilary Rodham after marriage. But in order to help her husband in the election, she had to change her name. From the address of men and women, one can clearly see the submissive position of women and women are merely an extension of their husbands or part of their husbands’ estate. This also reflects in the language.

    3.1.4 Female as an exception
    English itself has no difference of gender. But in this man-centered society, people is used to believing that prestige person are always males. However, a woman who once receives great popularity is regarded as a special exception.
    Many professionals such as doctor, professor, engineer, lawyer, pilot, judge, surgeon can be used to indicate both males and females. But when indicating female’s position, professional, etc., these words are created by adding a bound morpheme or by combining them with a word referring to female.[9] Because these satisfactory jobs are traditionally viewed as ones qualified only by males. Women are just the appendant to men. The words below can best illustrate it:

    Common gender        Masculine gender            Feminine gender
    waiter                 waiter                     waitress
    hero                  hero                       heroine
    pilot                  pilot                       woman pilot
    doctor                doctor                      woman doctor
    surgeon               surgeon                     female surgeon
    lawyer                lawyer                      lady lawyer
    Interestingly, when we hear other people say “ My cousin is a lawyer.”, most people always conclude that my cousin is a male. Most of the time, whenever we refer to a woman, we have to elaborately add woman, female or lady before many professionals.
    But other professionals like secretary, nurse, typist, receptionist, dressmaker, are often used to indicate females. When they are used to refer to males, you should add male or man before them, such as: male nurse, male typist, and male secretary. It makes clear that men monopolize the high status professionals. Women can only do service work or low social status work.
    English is a kind of super masculine language. This can be easily seen in compound words formed by word plus man structure, such as chairman, businessman, congressman, newsman, statesman, salesman, mailman, policeman, and spokesman. From these words, we can easily know that males are the center of the society. These jobs are certainly taken by males and women are completely excluded.
    In addition, there are some female professionals formed by adding the bound morpheme such as –ess, -ine to the root. For example:
    Male                  Female
    poet poetess
    prince princess
    god goddess
    count countess
    hero heroine
    This kind of word-formation seems to tell that women are derived from men and attached to men. These discriminatory practices often make women invisible and treat them secondary.

    3.1.5 Word order
    Sexism in language is also reflected in word order. When men and women are presented together, usually words denoting male sex are put in front of female sex. Making females come second reflects the sexist attitude that men are superior to women. It is not hard to find male-female word order pairs in English literature, newspaper, magazines as well as in speech, such as male and female, husband and wife, father and mother, boys and girls, his and hers, son and daughter, brother and sister, host and hostess, king and queen, Adam and Eve and so on. No matter in books or on radio, even in daily dialogue, we can often read and hear such words:
    (1) Good morning, boys and girls!
    (2) They would have allowed males and females to go to school together.
    Such a language phenomenon seems to appear so unquestionably natural as to be widely accepted as a language norm.
    However, there are also cases in which male-female order is reversed, for example bride and groom, and ladies and gentlemen. The former shows that marriage is important to women and the latter is influenced by the notion that men should protect women. Putting ladies before gentlemen doesn’t show that women are more superior to men or ladies first, but indicates that in men’s mind, women, the same as children, are the weaker ones.[10]

    3.2 Semantic derogation of women
    Language has a tendency to neglect women, treat women as submission and also demean women.[11] The process of words that refer to women acquiring demeaning or sexual connotations has been widely observed, and has been called semantic derogation.

    3.2.1 Non-parallel semantic developments of paired terms
    Many sociolinguists have claimed that words become negative when shifted into the female sphere, while male has remained pure and neutral. For example:
    (1) King and queen
    One is masculine, the other feminine and both mean “ruler of an independent state”. King has retained its initial meaning, but besides the core meaning of queen, queen is also used as “a disparaging term for a gay or homosexual man”.
    (2) Master and mistress
    Both of them indicate ‘someone who possesses and/or has power over someone or something else. For example: “ He is my master.” usually means “He is my boss.” or “He has more power than me.” While “She is my mistress.” is more likely to be interpreted as meaning ‘She is my illicit lover.’ Mistress originally refers to a woman in a position of authority, control, and ownership, as the head of a household like a housekeeper, but it implies a woman who has a continuing sexual relationship with a usually married man who is not her husband and from whom she generally receives material support.
    (3) Wizard and witch
       Both of them can be used to refer to people with evil magic powers. Wizard also has a meaning of person with extraordinary abilities, while witch means an ugly old woman.
    (4) Sir and madam
    Sir and madam both can be used to refer to high status people. Madam is used formerly as a courtesy title before a woman’s given name but now used only before a surname or title indicating rank or office or used as a form of polite address for a woman. Unlike sir, madam is also used to refer to a brothel keeper. There are also many other examples such as lord and lady, governor and governess. The examples cited above demean women rather than men.

    3.2.2 Semantic collocation and change
    (1) Semantic collocation
    In English, a word may have different connotations when it is used to describe different sexes. For example:
    ① imposing
    a.  He is imposing.
       b.  She is imposing.
    Sentence a means “He is impressive and admirable.” While sentence b could be interpreted to mean that “She is disgusting and apathetic.” When the sex changes, so does the meaning.

    ② loose
    Loose seems a neutral word for both male and female. But “a loose woman” reminds people of “a woman considered to be sexually promiscuous” whereas “a loose man” just means “a casual man”.[12]
    ③ tramp
    It is defined as “a person with no home or job, who wanders from place to place” or “a woman considered to be sexually immoral (esp. in American English).” In the example, He/She is a tramp. For the male, tramp refers to a vagrant whereas for the female it can mean that she is promiscuous.
    From the above, we can see that the same word shifts from being positive to being negative once it has moved from referring to a male to a female.[13]
    (2) Semantic change
    Besides, words, which begin with either neutral or positive connotations over time, acquire negative implications and finally end up as “sexual slurs”. For example, the term hussy derives from Old English huswif (“housewife”), which means “the female head of the house”. The term gradually deteriorated to “a rustic rude woman” and finally comes to mean “an indecent, impudent woman or prostitute”.[14]

    3.2.3 Metaphor
    Language exists to allow us to communicate with one another. To this end, language serves two purposes: to communicate what our reality is and also what we wish it to be. So if we identify a trait in a language, such as sexism or other forms of prejudice, this only reveals a prejudice that exists in society. Language, in particular metaphor, helps form social reality. There are many metaphors to describe a female. But often it has a totally different meaning.
    (1) food metaphor
       Some food words can also be used to refer to females, such as cheese cake (奶酪蛋糕——裸体女画),cherry (樱桃——处女),cookie (点心——可爱的女人),crumpet (松脆饼——性感女人),tart (果馅饼——妓女),tomato (西红柿——漂亮女人), honey (蜜糖——宝贝、亲爱的), piece (点心——女人),peach (桃子——漂亮女人) and so on. Men often use these words to express their appreciation to women. It even includes the meaning that men treat women as dolls.[15]
    (2) animal metaphor
    There are also many words showing contempt for women. They embody sexual discrimination but still enjoy great popularity. For example: chick (小鸡——少女),kitten (小猫——活泼年轻的姑娘),bitch(母狗——泼妇),cat (猫——丑妇、贱妇、讨厌的女人),dragon (龙——倔强的女人),hen (母鸡——爱管闲事的女人), cow (奶牛——子女多的女人、妓女),crone (老母羊——干瘪的丑老太婆) and mare-horse (母马——粗声大气、肥胖固执的女人) and so on. [16] These are all pejorative terms for women, because animals are considered to be inferior to human beings on the earth. So using animals to refer to females indicates that females are inferior.
    The semantic derogation of women helps to construct female inferiority and because women are confined to negative terms, women continue to be devalued.


    4. Signs of the fading of sexism in the English Language
    Language is not only used to exchange ideas, convey information, but also used to set up and maintain the harmonious relationship between human beings, create and keep the effective communication environment among social members and groups. Any form of sexist language, whether on purpose or not, will probably stand off or offend some social member or group. Language and language use mirror social attitudes and stereotypes and bias.
    Along with the women’s liberation movement, people began to realize the importance of the language reform and desexism becomes necessary. Then, should sexist language be changed or avoided? The answer is definitely positive, but how? The main strategies here to achieve this goal are avoiding the use of generic masculine, changing some naming and addressing terms, coining new words and advocating some neutral words.

    4.1 Avoiding using generic masculine pronouns
    Linguists engaged in study of sexism in the English language are not satisfied with merely pointing out the problem. As a solution to the problems that the generic masculine can create, a number of proposals have been made. A major category among these solutions is to avoid using generic masculine. Some alternatives to avoid generic masculine are offered as follows:
    (1) The generic masculine he, his, him should be replaced with he or she, his or her, him or her, and the like, which expressly indicate that women are included in the antecedent of the pronouns. This strategy can be illustrated with the following sentence: Every good citizen should love his or her country more than him or herself; he or she should be ready to die for it if the need arises.
    (2) The gender-neutral third person pronoun they and its variants should be used with a singular meaning. The proposal makes it possible to say: Every good citizen should love their country more than themselves; they should be ready to die for it if the need arises.
    (3) Changing the whole sentence into plural form can also help to avoid sexism. Look at the sentence: Anyone can take part in the picnic if he is interested. It is discriminatory. So we can change it into a nonsexist one: All people can take part in the picnic if they are interested.
    (4) Sometimes the first and second pronouns are used to replace he. List an example: One has to be careful when he crosses the road. Obviously, it use he to refer to a person whose sex is unknown. We can change it into “You have to be careful when you cross the road.” to avoid the discrimination.
    (5) If permitted, the sentence can be changed into passive voice to be nonsexist. Instead of saying “One should not lose heart when he is beaten in a match.”, one would be able to say “One should not lose heart when beaten in a match.”
    (6) Dropping the masculine pronoun can also be seen as a useful way to escape from gender bias.[17] The following sentence can help to know the strategy better. Anybody can attend the meeting if interested in it. Being discriminatory, it is written into “Anybody can attend the meeting if he is interested in it.”
    Feminists regard masculine pronouns as being ambiguous and discriminatory against women because they can be interpreted as being masculine-specific or neutral and thus, in some cases, be interpreted as not referring to women at all. So it is time that masculine pronouns were changed. The above are some strategies used to avoid generic masculine. These strategies are so useful that they can help the improvement of sexism in language in some extent. And sexism in language is closely linked with sexism in society. So it is good to the elimination of sexism in society in the final analysis.

    4.2 Lexical neutralization
    Lexical neutralization is also regarded as the major category among solutions to sexist language. Above I have cited some examples that some professions are used to refer to men. When they are used to refer to woman, female or woman or lady is often used. In fact, people do not need to designate the sex of an occupation, for example, woman psychologist or male nurse. If you are quoting a qualified psychologist or nurse, should it make a difference if the information is coming from a man or woman? Generally, I sum up five solutions of lexical neutralization.
    (1) Try to avoid using man/men or mankind to refer to people in the world and replace it with person, people, humanity, human, human being, the human race, and the human species. The generic term man has been used in two ways: to refer to an adult male human being and as a synonym for "human being". Obviously, when you use man and related words to refer to both women and men, you are being sexist. For example:
    ① Man is the most intelligent of all species. (sexist)
    Humankind/human being is the most intelligent of all species. (nonsexist)
    ② All men should maintain the ecological balance. (sexist)
    All people should maintain the ecological balance. (nonsexist)
    Or: Everyone should maintain the ecological balance.
    ③ The project is one of the greatest man's achievements. (sexist)
    The project is one of the greatest human achievements. (nonsexist)
    (2) Try to avoid using compound words that consist of man to refer to both genders. If a compound word is for specific use, we can use a word+man to refer to man and a word+woman to refer to woman, for example, businesswoman, chairwoman, policewoman, saleswoman, spokeswoman, etc. If it is for generic use or the gender is unknown, we can create new words or compounds involving the word person or word people leading to nouns, or shorten the word by cutting of the -man suffix, or replacing it with existing gender-neutral synonyms. For example,
    Avoid                 Prefer
    businessman            businessperson, businesspeople
    chairman               chairperson, chair, president, head
    foreman                supervisor, superintendent
    manmade               artificial, synthetic
    congressman            representative, legislator
    councilman             council member
    policeman              police officer, law enforcement officer
    (3) Try to avoid using gender-suffixes which reflect women's lower rank and avoid using prepositional attributes like woman, lady, madam when there is no necessity to show their sex and use one form to designate a person in all three contexts, i.e., in reference to a male, to a female or to a person whose sex is not specific. For example:
    actress                    actor
    aviatrix                   aviator
    usherette                  usher
    poetess                    poet
    woman engineer            engineer
    girl athlete                 athlete
    If it is important to mark the sex of the person, this could be done lexically, for example, we can use the adjectives male or female.
    It was a woman driver who sent me home. (sexist)
    It was a female driver who sent me home. Or
    The driver who sent me home was a woman. (nonsexist)
    (4) Gender-free words are words including both sexes, such as teacher, officer, people, worker, immigrant, coach, church member, leader, grandparent, evening student, employee, testee, engineer, customers, dealer, clerk, civilians, scientist, operator, patriot, person, planner, politician, producer, tutor, writer, chief executive, expert, everybody and so on. Making the most use of gender-free words can help people reduce sexism in the daily life and in the language.
    (5) Try to avoid giving examples that are traditionally regarded as of male or female. For example, usually when referring to a lawyer, a statesman or an officer, we use a male name or he as the subject. When referring to a secretary, a nurse or a teacher, we use a female name or she as the subject. In other words, boxing or football player must be male, while dishwasher or assistant must be female. We can tackle such problems by using plural forms or other adaptations. [18] For example,
           ①  the lawyer...he -------- lawyers... they
    the assistant...she --------- assistants...they
    ②  It is a party that held by the officers and their wives. (sexist)
    It is a party that held by the officers and their spouses.(nonsexist)

    4.3 Coining new corresponding words
    The gender bias can also be seen in the way that women are addressed through their social relations to men. The terms Miss and Mrs. indicate the sex and marital status of the woman while the term Mr. indicates the sex only. It is unbalanced and unnecessary to specify the marital status of women but not of men.
    Since the 1960s,feminists had coined a new word “Ms” to de-emphasize the improper perception of marital status as a definitive feature of a woman's identity and personality. The new term Ms, which is a combination of Miss and Mrs., functions as an exact counterpart of the term Mr.. Women who object to having a title that is marked for marital status have adopted “Ms”. There are also some other examples, such as salesman and saleslady, housewife and househusband, bride and bridegroom and so on. [19]
    But there are some aspects of language that are more resistant to change.  For example, the word history comes from Greek root for such concepts as inquiring, knowing and learning. Women have pointed out the irony of the word history. They say, it has told only “his story". So they created the word “herstory” (a word not recognized by standard dictionaries) to emphasize that women' s lives, deeds and participation in human affairs have been neglected or undervalued in standard histories. However, both linguists and common speakers find it absurd to change ‘history’ into “herstory”.

    4.4 Alternatives to Addressing Terms
    Addressing terms are very important in our daily communication, and gender discrimination certainly has some influence on them. In English, there are many addresses used to look down upon the females. In order to solve the problem, there are some strategies that may help:
    Firstly, don’t introduce some female through her husband, e.g. Jim Green and his wife Helen; Chairman's wife Daisy Brown.
        Secondly, don’t use terms which belittle women as wives or otherwise, e.g. the better half, the little woman, the weaker sex, the fair sex, dumb blondes, (woman's) libber, and so on. And the traditional expressions with prejudice such as ambitious men and aggressive women, cautious men and timid women should try to be avoided.
    Thirdly, try not to use the traditional form of address such as Dear Sir, Dear Gentleman, Dear Madam when writing to someone of unknown sex. The following may be useful.
     Dear friends of the library        Dear Madams and Sirs
         Dear Personnel Officer          Dear Committee Member
         Dear Citizen                  Dear Customer
         Dear Councilor                Dear Agent

    4.5 The social change of attitude toward women
    As I have said, language is something that society creates and can also be seen as a mirror of society. If women and men are still unequal in society then just changing the language will not really grant equality or make things much better. Language is not in and of itself a sexist thing. The users of a language grant it practical meaning depending on how they view society and according to their values and beliefs.
    Both historically and presently marriage status is more important to women than to men because marriage virtually determines how well a woman could live. In the past, women had little opportunities to work outside the home. Furthermore, working out of the home was often considered inappropriate or presented poor options. As they were unable to support themselves, their marriage basically determined how well they would live. This was demonstrated in Jane Austin’s novel Pride and Prejudice where women dressed up and learned to sing and dance in order to impress a man and find an eligible husband. These women were in some sense subordinate to their husbands, as their positions and careers took precedence in their relationship. As marriage was so important to a woman it is really necessary to differentiate between Mrs. and Miss. Even today, in most families men continue to play a more important role. Although many women work outside they still make a lower salary on average.
    Although women today have taken all kinds of careers and have proven that they can do anything men can do, positions of a high rank are still rarely held by women. Therefore it is not strange that one may think of a man when they hear the word "chairman". This indicates that the main reason behind sexist language is not the language form itself, but our thought that comes from social experience. In other words eliminating linguistic sexism must happen simultaneously with social change. Women must be given the same opportunities as men.
    The above are some suggestions on how to avoid sexist language in English. To some people, especially the male, it seems quite unnecessary. They take it for granted that the so-called sexist language is some kind of habit or for the seek of convenience but not looks down upon or discriminates against the female on purpose. Anyhow, the topic of how to avoid sexist language has become more and more popular among the language and social workers abroad. 
    5. Conclusion
    Since human being appeared on the earth, there have been existing two different genders-----male and female. On account of the differences between their physiological features and the superiority and inferiority in social activities, men and women are differentiated from each other in individuality, value, image and status, which give rise to variations in their language styles and language uses.
    Sexism is the systematic mistreatment of women as enforced by the cultures and the institutions of society. Sexism has diminished the societal rights of (mostly) women to exercise economic, political, and personal power. Sexism denies individual power, even over your own body. Sexism says that one gender is superior to another gender in intelligence, strength, and leadership abilities. Sexism, along with other forms of oppression, is hurtful to every woman no matter what age, nationality, ethnic group or class she belongs to. It conditions every woman to be submissive and forces them, by whatever means necessary, to perform and accept the roles assigned to individuals in society.
    Feminism has been one of the main social movements since the 1960s, and there is no doubt that this movement will continue in this century. Its impact is felt in many societies around the world and in many spheres of life. Language was and is seen by many feminists as a powerful instrument of patriarchy. It is therefore not surprising that language is subject to feminist scrutiny, which leads to elaborate and detailed descrīption of sexist practice affecting language use.
    In the previous paragraphs, sexist language use in vocabulary has been pointed out. However, it is not enough to just point out the problem. A desire to change the patriarchal and sexist nature of language has been expressed and therefore we should be engaged in various types of linguistic reform or language planning. The feminist’s demand for linguistic reform, if we are to be careful in our attempt to understand it, cannot be interpreted as a demand for purging of certain words, sentences, or statements from the English language. It is rather to be interpreted as a demand for halting the use of such words, sentences or statements, either because the use is itself objectionable, or because what the use implies is morally objectionable. One of the important reasons for feminist language reform is that linguistic change is seem to lag behind social change, effectively hindering the linguistic reflection of social change.
    So, the key to better sexist language in English is lexical neutralization, eliminating generic pronouns, coining new words and striving for balanced naming and addressing system. But the elimination of linguistic sexism lies in social change. Only by changing the social structure till one day when women and men own really equal status can language equality be truly achieved. Therefore, linguistic action and social action should be taken simultaneously for the purpose of eliminating sexism in language.
     
    References
    [1] Holy Bible [M]. 中国基督教三自爱国运动委员会和中国基督教协会, 2000年10月. P2-3
    [2] Ronald Wardhaugh. An Introduction to Sociolinguistics [M]. Basil Blackwell Inc.1986, P303
    [3] 单文波. 英语中的性别歧视现象及其文化因素探析[J]. 江汉大学学报(人文科学版),
    2005年8月(第24卷第4期). P112
    [4] AS Hornby著, 李北达编译. Oxford Advanced Learner’s English-Chinese Dictionary (Extended fourth edition ) [M]. 商务印书馆和牛津大学出版社, 2002年1月. P899
    [5] 靳梅琳. 社会语言学与英语学习[M]. 南开大学出版社, 2005年2月. P27
    [6] 叶梅. 管窥英语中的性别歧视现象[J]. 安徽农业大学学报(社会科学版), 2004年1月(第13卷第1期). P122
    [7] 谢元花. 语言中的性别歧视及其社会文化内涵[J]. 湖北师范学院学报(哲学社会科学版), 2002年(第22卷第3期). P41
    [8] 田宇. 英汉语言中的性别歧视现象研究 [J]. 黑龙江大学, 2005年4月. P15
    [9]  同 [5]. P30
    [10] 同 [8]. P16
    [11] 同 [7]. P41
    [12] 刘晓天. 从标记、大小、褒贬看英语词汇中的性别歧视[J]. 外语与外语教学,
    2001年(第5期). P24
    [13] 代新黎. 论英语中的性别歧视和规避策略[J]. 商丘师范学院学报, 2005年12月
    (第21卷第6期). P157
    [14] 叶碧慧. 英语中的妇女歧视现象[J]. 肇庆学院学报, 2003年2月(第24卷第1期), P58
    [15] 同 [5]. P31
    [16] 李蕊丽. 英语词汇中的性别歧视现象[J]. 韶关学院学报(社会科学版), 2004年11月
    (第25卷第11期). P108
    [17] Sandra Lee McKay and Nancy H. Hornberger. Sociolinguistics and Language Teaching [M]. 上海外语教育出版社, 2001年10月. P224
    [18] 同 [13]. P157
    [19] 赵靖岩. 英语中的性别歧视现象[J]. 长春师范学院学报, 2002年12月
    (第21卷第4期). P81

  • 关于信用证单证审核中的风险问题探讨

    2007-12-09

    信用证单证审核中的风险问题

    世贸人才网:国际贸易商务人才门户 更新时间: 2006-05-22 】 【打印】【关闭

      信用证自身的理论缺陷——“纯单据性”

      信用证自身存在的理论缺陷是风险形成的根源所在。信用证结算方式是纯单据业务,它针对的是单证文件而非货物。这一“独立抽象性”原则(thePrincipleofAbstractionandIndependence)体现在UCP500(国际商会1993年修订本《跟单信用证统一惯例》500的简称)第4条规定中:“在信用证业务中,有关各方所处理的是单据,而不是与单据有关的货物、服务或其他行为。”但单据文件极易伪造。在印刷业发达、便利的今天,伪造钞票、名画已能以假乱真,伪造信用证或是与信用证要求相一致的提单等单证文件则更为容易,也更容易成功。从我国的实际看,最常见的是出口方以假单证特别是提单行骗,说明货物已经付运,其实没有这回事,银行仅机械地“审核信用证规定的所有单据,以确定其表面上是否与信用证条款相符(UCP500第3条)后即支付货款,毫无义务核对受益人(出口方)所提供单据的实际真实性,这对进口方和银行都是很危险的。除了假提单外还有其他一些欺诈形式,如买卖双方互相勾结,虚构本不存在的交易,或签订高价购销合同,骗取银行开立信用证,然后双方伪造全套单据,通过议付诈骗银行资金,待银行发觉,诈骗者已携款逃跑或宣告破产,即使银行拥有物权,也因货价高估,无法抵付已付出的款项。除这种构成刑事犯罪的诈骗外,各方当事人很容易利用信用证“纯单据性”的特点钻空子,以获得对自身有利的结果。比如当市场不景气的时候,进口人和开证行往往对单据百般挑剔,借口与信用证规定不符而提出异议,拖延甚至拒绝付款。

      可见,信用证脱离于实体经济的独立自主性的交易规则与程式给不法分子进行信用证诈骗以及各方当事人谋求自身最大限度的利益提供了可以利用的间隙,造成大量的争执和纠纷,是风险形成的源头。

      关于信用证项下单证审核原则的争论

      针对上述情况,各当事人尤其是从事外贸结算的银行,如何把好单证审核关以减少不必要的风险损失,这就涉及到单证审核原则、标准的问题。关于信用证项下单据审核的原则,长期以来存在严格符合原则和实质一致原则两种。所谓“严格符合”原则(theDoctrineofStrictCompliance)是指单据就像是信用证的“镜子影像”(MirrorImage)一样,单据中的每个字、字母皆必须与信用证中的写法相同,否则即构成不符点。通常将其归纳为“单证一致”和“单单一致”,即单据表面必须与信用证条款相符,单据之间表面必须互为一致。所谓“实质一致”原则(thePrincipleofSubstantialCompliance)是指允许受益人所交的单据与信用证有差异,只要该差异不损害进口人,或不违反法庭的“合理、公平、善意”的概念即可。国际商会为了统一做法,在“跟单信用证统一惯例”(UCP)中做出如下规定,“银行必须合理审慎地审核信用证规定的一切单据以确定其表面上是否符合信用证条款。”UCP历经几次修改,但其条例中对单据审核须把握的标准却始终如一,严格规定单据的“表面一致”是单据审核的唯一依据。然而在实务中,对这一原则的把握是一大难点,造成大量的不符点问题和诉讼案件的激增。试举一例说明。

      我国作为出口方向西欧销售重晶石粉,出口合同使用的品名为"Barytesinpowder",收到的信用证中规定的品名为"Baryteinpowder",少了一个"s"。“Barytes"与"Baryte"原本可以通用,我方按照合同品名缮制发票,并以此向开证行索偿,却遭到拒付,其理由是开证申请人不接受“商品的描述与信用证的品名不同”的发票。实际情况是,装运时,西欧的重晶石粉的价格有较大幅度的下降。后几经争取,我方被迫同意降价后进口人才付款了案。

      由此看来,“严格符合原则”在实务中的基本意义是银行有权对没有严格符合信用证条款或其他单据文件的单据拒绝支付货款。这种拒付现象时有发生,不仅给信用证交易中的各方当事人造成不同程度的损失,而且还往往影响货物买卖契约的履行,导致货物买卖双方或某一方违约甚至解除契约。在实务中,因单据内容的复杂或开证行开立的信用证条款不清以及各国法律规范、文字含义、贸易习惯等的不同,虽然有UCP500作为原则性的规定,但因理解不同、适用条件不同或者买方根本不付款等,发生拒付的情况不足为奇。有时有人专在单据上找毛病,借以延期付款或拒付。这对出口方造成较大的风险威胁。

      因此,有人认为,“严格符合”原则是导致信用证业务产生风险的一大原因,提出审单原则按“实质一致”来掌握比“严格一致”更可行。苏宗祥主编的《国际结算》一书在“单据审核”章节中提出了这一观点。书中解释说,“单据没有实质不符点,即达到单证一致,”进而又补充说,“要求单证严格一致是很难达到的,也是不易实行的,”“故要求达到单证实质一致是比较适用的。”书中还举出了ICC第535号出版物上的一宗判例。在此案中,信用证对货源产地的条款规定为:"E.E.C.Counrty",受益人发票上的相应记载是:"E.E.C."议付行审单通过,叙作出口押汇和寄单索偿。单到开证行却遭拒付,缘由是发票关于产地的标称与证中条款所列不符。双方为此各执己见,争论不休,既而以诉讼求解。最后,ICC作了表态,认为开证行“声称有不符点不是正确的”。笔者对此专门查阅了ICC此号出版物的原文,发现ICC专家们对此案分析的要领部分未被该书载入。专家们在作结论时并不是认为开证行错在没有按“实质一致”原则收单,而是申明它错在开证条款失误,错在产地国要求定义混乱,客观上已令交单方无所适从。归纳开证行败诉的原因,用专家们的原话来陈述是“由于开证行指示不明确,”“作为含糊要求的开证者,它必须承担其后果。”显然,ICC所作的分析仍然十分清楚地体现了单据要“严格一致”的主张,案评的真谛旨在强调如何去实现这种一致,而不应为单据审核“严格一致”标准的执行人为地设置障碍。

      任何业务的指导原则或标准尺度都必须是单一和明确的。笔者认为“实质一致”在实践中更难把握,假若单据合格与否的核验标准既可此又可彼,势必带来信用证结算关键环节上无定规可循,单据收拒界限模糊不清的困惑。况且,信用证单据审核环节中风险产生的根源并不在于“严格符合原则”,而恰恰是因为没有达到这一原则规定的标准。“实质一致”的主张会对我们的外贸结算实务造成误导。跟单信用证的基本运作原理之一就是“凭单付汇”,认单不认货,也就是说,单据的合格与否是出口方有否履行其应尽责任的基本凭证,进口方的付款责任也只取决于单据能否无可置疑地达到信用证的条款要求。不言而喻,作为外贸结算银行,只有审单时能确保信用证对单据的各项要求全部地和严格地得到满足,进口付汇和出口收汇才有起码的安全保障。从我国的实际看,审单原则的松懈或疏漏已构成外贸结算中的一项主要风险来源。许多令人痛心的教训就是因为信用证出口单据仅是一字一词之差,若论“实质”毫无疑问应属“一致”,但是它们都被对方以有违国际惯例为由,拒绝承付或趁机压价。上文所举的我国出口重晶石粉一案便是一例。

      严格单证审校是减少信用证风险发生的重要举措

      随着中国加入WTO,国际贸易业务将日益增多。在国际贸易活动中,如何很好地利用信用证结算方式是银行和贸易商共同关心的问题。由于信用证涉及银行在国际上的信誉,如果处理不当,将会引起外国银行对中国银行的怀疑,导致不保兑中国银行的信用证,严重影响中国外贸的正常进行。正是基于此,必须通过加强贸易商、银行自身的防范措施,尽量减少风险发生的可能。这其中,严格单据审核是关键一环。

      从出口方(受益人)的角度看,应该从严审核来证和制备单据。信用证业务具有银行信用介入商业信用的特点,受益人向银行提交单据请求付款时,所有单据必须符合信用证的条款,才构成开证行确定的付款承诺。即使只是对信用证条款稍有背离,银行也有权拒收不符单据。为此,对国外来证应及时严加审核,以便对不能接受的条款尽早妥善处理,遇有难于理解的条款应咨询银行求得解答。

      另外,与银行审单“严格符合”的原则相适应,对贸易企业制单也提出了更高的要求。制单工作必须以银行审单工作依据的原则为基础,做到单证、单单、单货三相符,即信用证的条款必须在单据上体现,各种单据之间必须相互一致,单据与货物一致。在实务中,有的受益人因制单不够谨慎而在细节上(如海运提单上受益人的名址等)产生问题,由此引发的争议乃至拒付屡见不鲜。1926年,纽约公平信托公司(EquitableTrustCompanyofNewYork)诉道森合伙公司(DawsonPartnerLtd.)一案的经典判例,萨姆纳(Sumner)法官提出“就单据而言,不存在几乎一样或作用相当的余地。(Thereisnoroomfordocumentswhicharealmostthesameorwhichwilldojustaswell)”这是对上述问题的有力阐明。

      外贸企业制单之后,为保证一次性成功议付,在向银行交单前,应先行严审单据。审单时采用纵横审单法:即先将信用证从头到尾阅读一遍,每涉及到一种单据,立即与那种单据核对,以达到“单证一致”(横审);横审完毕后,再以发票为中心,与其他单据挨个核对,特别注意各单据签发日期的合理性及共有项目的一致性,确保“单单一致”(纵审)。审核过程中,每发现一个不符点,应立即记录在审单记录表上,并在记录文字后写上“改”、“加”、“补”字。待改妥单据后,在这些字上划圈表示不再有此不符点。当全部字划圈后,单据完全改妥相符才可交单议付。

      从银行的角度看,我国是外国卖方利用假单证行骗的主要受害国。为此,银行提高自身业务素质,提高单证审核能力是尤为必要的。

      作为出口地银行,若经审单发现不符点,应在审单记录上简明扼要地逐条记录下来,连同单据和信用证退回受益人,要求更正,争取单证相符出单,确保安全及时收汇。如遇受益人无法更改不符点的情形,可酌情进行相应处理,包括:(1)对单据中非实质性及有争议的不符点,如受益人信誉较好,可作保留议付/付款或凭保函议付,即银行凭受益人出具的赔偿担保书付款或议付,并向开证行索汇。若单据经另一银行提示,则由受益人的往来银行出具担保。如果单据遭申请人拒付,银行向受益人或其往来银行行使追索权追回垫付款项及有关利息费用。(2)如果单据金额较大,不符点较严重,为收汇安全,银行可以电报、电传、SWIFT等电提不符点方式征求开证行意见,要求开证行回电授权付款;承兑或议付不符点单据。(3)若单据存在严重不符点,受益人征得进口商同意且进口商资信较好的情况下,寄单行可将单据寄开证行作托收处理,并在寄单函上列明所有不符点,亦可单寄开证行征求其意见。(4)若单据严重不符,受益人或受益人银行不愿作托收处理,受理单据的银行可将单据退回。

      作为开证行,在收到索偿行寄来的单据后,经审单如发现不符点,应立即洽开证申请人或自行决定是否拒收单据。多数情况下,经买卖双方协商,买方最终会愿意接受不符点单据或经货物降价处理后接受单据,但若有关各方就不符点发生争执,必要时须提请国际商会或国际法律机构进行仲裁。一般地,为减少不必要的纠纷,开证行审单后往往再提交申请人复审,限其在合理时间内作出答复。如果申请人对单据无异议,开证行即对外付汇。若提出不符点,开证行可重审,看是否确有银行遗漏之处。如果不符理由不成立,开证行有权接受单据。

      此外,还有一些具体问题也值得注意。我们知道,信用证是一项自足文件(Self-sufficientlnstrument),是独立于有关契约之外的法律文件。UCP500第三条a款明确规定:“信用证按其性质与凭以开立信用证的销售合同或其他合同,均属不同的业务。即使信用证中援引这些合同,银行也与之毫无关系并不受其约束。”然而在实务中,巴基斯坦、孟加拉国等地的开证行在信用证中常常随附形式发票、销售确认书等商业合同。如果遇到此类信用证的交单,我方银行应对形式发票或是销售确认书给予一并审核。针对这一问题,国际商会银行委员会出具的意见是“如果信用证附有形式发票,则形式发票构成信用证的组成部分,在审核单据时必须使其相符。”可见,诸如标书、形式发票以及其他形式的商业合同,一旦列入信用证条款,仍须相应审核。

      【参考文献】
      [1] 周玮、朱明:《国际贸易结算信用证》,广东经济出版社,2002年。
      [2] 吴百福、舒红:《国际贸易结算实务》,中国对外经济贸易出版社,2002年。
      [3] 刘用明:《国际商务结算》,四川大学出版社,2001年。
      [4] 屈韬:《
    外贸单证处理技巧》,广东经济出版社,2000年。
      [5] 苏宗祥:《
    国际结算》,中国金融出版社,2000年。
      [6] 杨克敏:《信用证诈骗的原因、危害及防范》,《洛阳工学院学报》,2002年第3期。
      [7] 古国耀:《“实质一致”能否作为信用证审单原则》,《国际金融》2001年第9期。

  • The end of learning in campus

    2007-12-06

    When the bell rings ,I told myself it is the end of my university life.Time is so short that I don't learn enough knowledge to face the outside world.I am so worry about my future.Next week,I will begin a new life ,I am a little nervous.

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