FCI GENERAL RULES FOR INTERNATIONAL FACTORING

　　國(guó)際保理業(yè)務(wù)通用規(guī)則

　　國(guó)際保理商聯(lián)合會(huì) ( Factors Chain International )

　　Printed June 2010 2010年6月修訂版

　　目錄 CONTENTS

　　SECTION I General provisions 第一節(jié) 總則

　　Article 1 Factoring contracts and receivables第一條 保理協(xié)議與應(yīng)收賬款

　　Article 2 Parties taking part in two-factor international factoring

　　第二條 參與國(guó)際雙保理業(yè)務(wù)的當(dāng)事方

　　Article 3 Receivables included 第三條 所涵蓋的賬款

　　Article 4 Common language 第四條 通用語(yǔ)言

　　Article 5 Time limits 第五條 期限

　　Article 6 Writing 第六條 書(shū)面信息

　　Article 7 Deviating agreements 第七條 與本規(guī)則有所抵觸的協(xié)議

　　Article 8 Numbering system 第八條 代碼系統(tǒng)

　　Article 9 Commission / Remuneration第九條 傭金/酬金

　　Article 10 Settlement of disagreements between Export Factor and Import Factor

　　第十條 出口保理商與進(jìn)口保理商間糾紛的解決

　　Article 11 Good faith and mutual assistance 第十一條 善意與互助的原則

　　SECTION II Assignment of receivables Article 12 Assignment

　　第二節(jié) 應(yīng)收賬款的轉(zhuǎn)讓 第十二條 轉(zhuǎn)讓

　　Article 13 Validity of assignment 第十三條 轉(zhuǎn)讓的有效性

　　Article 14 Documentation relating to receivables第十四條 與賬款有關(guān)的單證

　　Article 15 Reassignment of receivables第十五條 應(yīng)收賬款的反轉(zhuǎn)讓

　　SECTION III Credit Risk Article 16 Definition of credit risk

　　第三節(jié) 信用風(fēng)險(xiǎn) 第十六條 信用風(fēng)險(xiǎn)的定義

　　Article 17 Approvals and requests for approvals 第十七條 核準(zhǔn)與申請(qǐng)核準(zhǔn)

　　Article 18 Reduction or cancellation第十八條 縮減或撤銷

　　Article 19 Obligation of Export Factor to assign第十九條 出口保理商轉(zhuǎn)讓的義務(wù)

　　SECTION IV Collection of receivables Article 20 Rights of the Import Factor

　　第四節(jié) 賬款的催收 第二十條 進(jìn)口保理商的權(quán)利

　　Article 21 Collection第二十一條 催收

　　Article 22 Unapproved receivables 第二十二條 未核準(zhǔn)應(yīng)收賬款

　　SECTION V Transfer of funds Article 23 Transfer of payments

　　第五節(jié) 資金的劃撥 第二十三條 付款的劃撥

　　Article 24 Payment under guarantee第二十四條 擔(dān)保付款

　　Article 25 Prohibitions against assignments 第二十五條 禁止轉(zhuǎn)讓

　　Article 26 Late payments第二十六條 遲付

　　SECTION VI Disputes Article 27 Disputes第六節(jié) 爭(zhēng)議 第二十七條 爭(zhēng)議

　　SECTION VII Representations, warranties and undertakings

　　Article 28 Representations, warranties and undertakings

　　第七節(jié) 陳述，保證與承諾 第二十八條 陳述，保證與承諾

　　SECTION VIII Miscellaneous Article 29 Communication and electronic data interchange (EDI)

　　第八節(jié) 雜項(xiàng) 第二十九條 通訊與電子數(shù)據(jù)交換

　　Article 30 Accounts and reports 第三十條 帳務(wù)與報(bào)告

　　Article 31 Indemnification第三十一條 補(bǔ)償

　　Article 32 Breaches of provisions of these Rules 第三十二條 對(duì)規(guī)則的違犯

　　SECTION I General provisions 第一節(jié) 總則

　　Article 1 Factoring contracts and receivables第一條 保理協(xié)議與應(yīng)收賬款

　　A factoring contract means a contract pursuant to which a supplier may or will assign accounts receivable (referred to in these Rules as receivables which expression, where the context allows, also includes parts of receivables) to a factor, whether or not for the purpose of finance, for at least one of the following functions:

　　- Receivables ledgering

　　- Collection of receivables

　　- Protection against bad debts

　　保理協(xié)議意指供應(yīng)商與保理商間存在的一種契約關(guān)系，根據(jù)該契約，供應(yīng)商將可能或?qū)⒁膽?yīng)收賬款(本規(guī)則中亦稱為賬款，該詞視上下文不同，有時(shí)亦指應(yīng)收賬款的部分)轉(zhuǎn)讓給保理商，其目的可能為獲取融資，或?yàn)楂@得保理商提供的下述服務(wù)中的至少一種：

　　 分戶帳管理

　　 賬款催收

　　 壞帳擔(dān)保

　　Article 2 Parties taking part in two-factor international factoring

　　第二條 參與國(guó)際雙保理業(yè)務(wù)的當(dāng)事方

　　The parties taking part in two-factor international factoring transactions are:

　　(i) the supplier (also commonly referred to as client or seller),the party who invoices for the supply of goods or the rendering of services;

　　(ii) the debtor (also commonly referred to as buyer or customer), the party who is liable for payment of the receivables from the supply of goods or rendering of services;

　　(iii) The Export Factor,

　　the party to which the supplier assigns his receivables in accordance with the factoring contract;

　　(iv) the Import Factor, the party to which the receivables are assigned by the Export Factor in accordance with these Rules.

　　參與國(guó)際雙保理業(yè)務(wù)的當(dāng)事方為：

　　(i) 供應(yīng)商(通常亦稱客戶或供應(yīng)商)：對(duì)所供應(yīng)的貨物或所提供的服務(wù)出具發(fā)票的一方;(ii)債務(wù)人(通常亦稱買方或顧客)：對(duì)由所供應(yīng)的貨物或所提供的服務(wù)而產(chǎn)生的應(yīng)收賬款負(fù)有付款責(zé)任的一方;

　　(iii)出口保理商：根據(jù)保理協(xié)議接受供應(yīng)商轉(zhuǎn)讓賬款的一方;

　　(iv)進(jìn)口保理商：根據(jù)本規(guī)則接受出口保理商轉(zhuǎn)讓賬款的一方。

　　Article 3 Receivables included第三條 所涵蓋的賬款

　　These Rules shall cover only receivables arising from sales on credit terms of goods and/or services provided by any supplier who has an agreement with an Export Factor to or for debtors located in any country in which an Import Factor provides factoring services. Excluded are sales based on letters of credit (other than standby letters of credit), or cash against documents or any kind of sales for cash.

　　本規(guī)則所涵蓋的賬款應(yīng)限于與出口保理商簽有協(xié)議的供應(yīng)商以信用方式向債務(wù)人銷售貨物或提供服務(wù)所產(chǎn)生的應(yīng)收賬款。該債務(wù)人所在國(guó)應(yīng)有進(jìn)口保理商提供保理服務(wù)。以信用證(不包括備用信用證)、憑單即付或任何種類的現(xiàn)金交易為基礎(chǔ)的銷售除外。

　　Article 4 Common language第四條 通用語(yǔ)言

　　The language for communication between Import Factor and Export Factor is English. When information in another language is provided an English translation must be attached.

　　進(jìn)口保理商與出口保理商間聯(lián)絡(luò)的通用語(yǔ)言為英語(yǔ)。如以其他語(yǔ)言提供信息，則必須附加英語(yǔ)翻譯。

　　Article 5 Time limits第五條 期限

　　Except as otherwise specified the time limits set forth in these Rules shall be understood as calendar days. Where a time limit expires on a non-working day or any declared public holiday of the Export Factor or the Import Factor, the period of time in question is extended until the first following working day of the factor concerned.

　　除非另有說(shuō)明，本規(guī)則所表述的期限應(yīng)理解為公歷日。當(dāng)期限于出口保理商或進(jìn)口保理商的非工作日或任何公布的公共假日到期時(shí)，該期限應(yīng)順延至有關(guān)保理商的下一個(gè)工作日。

　　Article 6 Writing第六條 書(shū)面信息

　　Writing means any method by which a communication may be recorded in a permanent form so that it may be re-produced and used at any time after its creation. Where a writing is to be signed, that requirement is met if, by agreement between the parties to the writing, the writing identifies the originator of the writing and indicates his approval of the communication contained in the writing.

　　(N.B.: Article 6 amended June 2006)

　　書(shū)面信息意味著任何可永久記錄一次信息交流的方式，該信息交流在出現(xiàn)后可被復(fù)制，并在任何時(shí)間被引述。如書(shū)面信息需要簽字，則只要通過(guò)成員們認(rèn)可的方式，書(shū)面信息驗(yàn)證了信息發(fā)出者的身份，并表明了簽字人對(duì)其中內(nèi)容的認(rèn)可，就可認(rèn)定已滿足了簽字要求。

　　Article 7 Deviating agreements第七條 與本規(guī)則有所抵觸的協(xié)議

　　An agreement in writing made between an Export Factor and an Import Factor (and signed by both of them), which conflicts with, differs from or extends beyond the terms of these Rules, shall take precedence over and supersede any other or contrary condition, stipulation or provision in these Rules relating to the subject matter of that agreement but in all other respects shall be subject to and dealt with as part of these Rules.

　　(N.B.: Article 7 amended June 2004.)

　　當(dāng)出口保理商與進(jìn)口保理商之間的書(shū)面協(xié)議(并已由雙方簽署)在某方面與本規(guī)則的條款發(fā)生抵觸、不符合或超出本規(guī)則條款的范圍時(shí)，該協(xié)議將在該方面優(yōu)先于并取代本規(guī)則中相關(guān)的任何不同或相反的條件、條款或規(guī)定，但在其它所有方面，該協(xié)議仍應(yīng)從屬于本規(guī)則并視為本規(guī)則的組成部分。

　　Article 8 Numbering system第八條 代碼系統(tǒng)

　　In order to identify exactly all suppliers, debtors, Import Factors and Export Factors, an appropriate numbering system must be agreed upon between Export Factor and Import Factor.

　　為準(zhǔn)確識(shí)別所有的供應(yīng)商、債務(wù)人、進(jìn)口保理商及出口保理商，在出口保理商與進(jìn)口保理商之間必須建立一套適當(dāng)?shù)拇a系統(tǒng)。

　　Article 9 Commission / Remuneration第九條 傭金/酬金

　　(i) The Import Factor shall be entitled to commissions and/or charges for his services on the basis of the structure and terms of payment as promulgated by the FCI Council from time to time.

　　(ii) The agreed commissions and/or charges must be paid in accordance with those terms of payment in the agreed currencies. A party delaying payment shall incur interest and the equivalent of any exchange losses resulting from the delay in accordance with Article 26.

　　(iii) In case of a reassignment of a receivable the Import Factor has nevertheless the right to the commission or charges.

　　(i)以有關(guān)管轄機(jī)構(gòu)經(jīng)常公布的費(fèi)率結(jié)構(gòu)及收費(fèi)條件為基礎(chǔ)，進(jìn)口保理商有權(quán)就其服務(wù)收取傭金和/或費(fèi)用。

　　(ii)這些傭金和/或費(fèi)用必須根據(jù)付款條件以事先商定的貨幣支付。根據(jù)第二十六條的規(guī)定，遲付一方必須負(fù)擔(dān)因遲付而產(chǎn)生的利息及匯價(jià)損失。

　　(iii)即使應(yīng)收賬款被反轉(zhuǎn)讓，進(jìn)口保理商仍有權(quán)收取傭金或費(fèi)用。

　　Article 10 Settlement of disagreements between Export Factor and Import Factor

　　第十條 出口保理商與進(jìn)口保理商間糾紛的解決

　　(i) All disagreements arising between an Export Factor and an Import Factor in connection with any international factoring transactions shall be settled under the Rules of Arbitration provided that both are members of FCI at the time of the inception of the transaction.

　　(ii) Furthermore any such disagreement may be so settled if only one of the parties is a member of FCI at the time of request for arbitration provided that the other party accepts or has accepted such arbitration.

　　(iii) The award shall be final and binding.

　　(i)出口保理商與進(jìn)口保理商之間產(chǎn)生的與國(guó)際保理業(yè)務(wù)有關(guān)的一切爭(zhēng)議均應(yīng)按照《國(guó)際保理商聯(lián)合會(huì)仲裁規(guī)則》進(jìn)行解決，只要在相關(guān)交易開(kāi)始時(shí)雙方均為國(guó)際保理商聯(lián)合會(huì)的成員。

　　(ii)如果在提出仲裁申請(qǐng)時(shí)僅有一方為國(guó)際保理商聯(lián)合會(huì)成員，但另一方同意時(shí)，雙方之間的爭(zhēng)議也可如此解決。

　　(iii)該仲裁結(jié)果應(yīng)是終局性的并具有約束力。

　　Article 11 Good faith and mutual assistance 第十一條 善意與互助的原則

　　Under these Rules all duties shall be performed and all rights exercised in good faith. Each of the Export Factor and Import Factor shall act in every way to help the other’s interest and each of them undertakes to the best of his ability to assist the other at all times in obtaining any document that may assist the other to carry out his duties and/or to protect his interests. Each of the Import Factor and the Export Factor undertakes that each will inform the other immediately of any fact or matter which comes to his attention and which may adversely affect the collection of any receivable or the creditworthiness of any debtor.

　　本規(guī)則中所有的權(quán)利和義務(wù)均應(yīng)本著善意的原則得以行使及履行。出口保理商及進(jìn)口保理商將采取一切方式保障對(duì)方的權(quán)益，并盡各自所能在任何時(shí)間協(xié)助對(duì)方獲取任何有助于其履行義務(wù)及/或保護(hù)自身利益的文件。出口保理商及進(jìn)口保理商承諾將立即通知對(duì)方自己所注意到的可能對(duì)賬款催收及債務(wù)人資信產(chǎn)生負(fù)面影響的任何事實(shí)或情況。

　　SECTION II Assignment of receivables Article 12 Assignment

　　第二節(jié) 應(yīng)收賬款的轉(zhuǎn)讓 第十二條 轉(zhuǎn)讓

　　(i) The assignment of a receivable implies and constitutes the transfer of all rights and interest in and title to such receivable by any means. For the purpose of this definition the granting of a security right over a receivable is deemed to be its transfer

　　(ii) By reason of the assignment to the Import Factor of full ownership of each receivable, the Import Factor shall have the right of bringing suit and otherwise enforcing collection either in his own name or jointly with that of the Export Factor and/or that of the supplier and the right to endorse debtor’s remittances for the collection in the Export Factor’s name or in the name of such supplier and the Import Factor shall have the benefit of all rights of lien, stoppage in transit and all other rights of the unpaid supplier to goods which may be rejected or returned by debtors.

　　(iii) All assignments of receivables must be in writing.

　　(N.B.: New Paragraph (ii) added, previous (ii) becomes (iii) June 2009.)

　　(i)賬款的轉(zhuǎn)讓意味著并構(gòu)成通過(guò)各種方式的對(duì)與賬款相關(guān)的所有權(quán)利、權(quán)益及所有權(quán)的讓度。根據(jù)本定義，以賬款作為抵押亦被視作賬款的轉(zhuǎn)讓。

　　(ii)所有的賬款轉(zhuǎn)讓必須通過(guò)書(shū)面形式。

　　Article 13 Validity of assignment 第十三條 轉(zhuǎn)讓的有效性

　　(i) The Import Factor is obliged, as regards the law of the debtor’s country, to inform the Export Factor of:

　　(a) the wording and formalities of the notice of assignment; and

　　(b) any elements in an assignment that are necessary to safeguard the Export Factor against claims of third parties.

　　The Import Factor warrants the effectiveness of his advice.

　　(ii) The Export Factor, whilst relying on the Import Factor’s advice under paragraph (i) of this Article as regards the law of the debtor’s country, shall be responsible for the effectiveness of the assignment to him by the supplier and of his assignment to the Import Factor including their effectiveness against the claims of third parties and in the insolvency of the supplier.

　　(iii) If the Export Factor requests a particular assignment, enforceable against third parties, the Import Factor is obliged to act accordingly as far as he is able to do so in accordance with the applicable law, at the expense of the Export Factor.

　　(iv) Whenever the assignment of a receivable needs special documentation or a confirmation in writing in order to be valid and enforceable, at the request of the Import Factor the Export Factor must provide such documentation and/or confirmation in the prescribed way.

　　(v) If the Export Factor shall fail to provide such documentation or confirmation in relation to that receivable within 30 days of the receipt of the Import Factor’s request, then the Import Factor may reassign such receivable.

　　(N.B.: Paragraphs (i) and (ii) amended June 2004.)

　　(i)進(jìn)口保理商有義務(wù)根據(jù)債務(wù)人所在國(guó)法律的要求向出口保理商說(shuō)明：

　　a) 轉(zhuǎn)讓通知的措辭及形式;及

　　b)任何在轉(zhuǎn)讓中為保護(hù)出口保理商免受第三方索償而必有的因素。進(jìn)口保理商保證其說(shuō)明的有效性。

　　(ii)在根據(jù)本條(i)款依賴進(jìn)口保理商有關(guān)債務(wù)人所在國(guó)法律規(guī)定的說(shuō)明的同時(shí)，出口保理商將保證供應(yīng)商對(duì)其轉(zhuǎn)讓及其對(duì)進(jìn)口保理商的轉(zhuǎn)讓是有效的，該轉(zhuǎn)讓不受第三方索償?shù)挠绊懀诠?yīng)商破產(chǎn)時(shí)依然有效。

　　(iii)如果出口保理商要求一特殊轉(zhuǎn)讓可針對(duì)第三方實(shí)施，進(jìn)口保理商有責(zé)任在適用法律許可的范圍內(nèi)遵照?qǐng)?zhí)行，費(fèi)用由出口保理商負(fù)擔(dān)。

　　(iv)如轉(zhuǎn)讓需特殊文件或書(shū)面確認(rèn)方能生效和實(shí)施，則出口保理商應(yīng)進(jìn)口保理商請(qǐng)求，必須提供有關(guān)文件及/或以指定形式確認(rèn)。

　　(v)如出口保理商在收到進(jìn)口保理商請(qǐng)求后30日內(nèi)未向進(jìn)口保理商提供有關(guān)文件或進(jìn)行確認(rèn)，則進(jìn)口保理商有權(quán)反轉(zhuǎn)讓有關(guān)賬款。

　　Article 14 Documentation relating to receivables第十四條 與應(yīng)收賬款有關(guān)的單證

　　(i) The Import Factor must receive details of invoices and credit notes relating to any receivable assigned to him without undue delay and in the case of invoices in any event before the due date ofthe receivable. For the purpose of the GRIF, the due date of any receivable shall mean the date specified for payment of the receivable as stated in the contract of sale, provided, however, that if such contract specifies payments in instalments then, unless otherwise dictated by the contract, each instalment shall be treated as having a separate due date.

　　(ii) The Import Factor may require that the original documents evidencing title, including the negotiable shipping documents and/or insurance certificate, are forwarded through him.

　　(iii) At the request of the Import Factor and if then needed for the collection of a receivable the Export Factor must promptly provide any or all of the following as proof and in any event within the following time periods:

　　(a) 10 days from the receipt of the request, an exact copy of the invoice issued to the debtor;

　　(b) 30 days from the receipt of that request:

　　(1) evidence of shipment;

　　(2) evidence of fulfilment of the contract of sale and/or services where applicable;

　　(3) any other documents which have been requested before shipment.

　　(iv) If the Export Factor:

　　(a) does not provide the documents referred to in Article 14 (iii); or

　　(b) fails to provide a reason for that delay and a request for further time, both acceptable to the Import Factor;

　　within the prescribed time limits, then the Import Factor shall be entitled to reassign the relevant receivable.

　　(v) The time limit for the Import Factor to be entitled to request these documents from the Export Factor shall be 270 days after due date of the receivable.

　　(N.B.: Paragraph (iv) added June 2004 - previous (iv) moved to Paragraph (v); Paragraph (i) amended June 2005, June 2006 and June 2010.)

　　(i)進(jìn)口保理商應(yīng)毫無(wú)延誤地收到與轉(zhuǎn)讓給他的任何賬款有關(guān)的發(fā)票及貸項(xiàng)清單細(xì)節(jié)，最遲不得超過(guò)賬款到期日。

　　(ii)進(jìn)口保理商可以要求由他轉(zhuǎn)遞包括可轉(zhuǎn)讓運(yùn)輸單據(jù)及/或保險(xiǎn)單在內(nèi)的證明所有權(quán)的正本單據(jù)。

　　(iii)在進(jìn)口保理商的要求下，如確屬賬款催收所需，出口保理商必須立即(最遲不得超過(guò)下述規(guī)定期限)提供下述任何一種或全部單據(jù)：

　　a)在收到請(qǐng)求后10天內(nèi)，向債務(wù)人簽發(fā)的發(fā)票副本;

　　b)在收到請(qǐng)求后30天內(nèi)：

　　1)裝船證明;

　　2)履行銷售合同及/或服務(wù)合同的證明(如有);

　　3)任何其他裝船前要求提供的單據(jù)。

　　(iv)如出口保理商在規(guī)定的時(shí)間內(nèi)未能

　　a)提供本條(iii)所述的單據(jù);或

　　b)說(shuō)明延遲提供單據(jù)的原因及提出延期提供的要求，且該說(shuō)明和要求為進(jìn)口保理商所接受;則進(jìn)口保理商有權(quán)反轉(zhuǎn)讓相關(guān)賬款。

　　(v)進(jìn)口保理商要求出口保理商提供上述單據(jù)的有效期限為賬款到期日后270天內(nèi)。

　　Article 15 Reassignment of receivables第十五條 應(yīng)收賬款的反轉(zhuǎn)讓

　　(i) Any reassignment of a receivable under Article 13 (v) or Article 14 (iv) must be made by the Import Factor no later than the 60th day after his first request for the relevant documents, or, if later, the 30th day after the end of any extended time granted by the Import Factor under Article 14 (iv).

　　(ii) In the event of any reassignment of a receivable permitted to the Import Factor under this article or under paragraph (vii) of Article 27, except as provided in paragraph (iv) of this Article, the Import Factor shall be relieved of all obligations in respect of the reassigned receivable and may recover from the Export Factor any amount paid by the Import Factor in respect of it.

　　(iii) Every such reassignment must be in writing.

　　(iv) If any payment shall be received by the Import Factor from the debtor in respect of any receivable so reassigned before notice of that reassignment shall have been received by the debtor then the Import Factor shall hold that payment for the benefit of, and remit it to, the Export Factor promptly.

　　(N.B.: Paragraph (i) amended June 2004 and again September 2008. In June 2010 Paragraph (ii) amended and Paragraph (iv) added)

　　(i)進(jìn)口保理商根據(jù)第十三條(v)或第十四條(iv)反轉(zhuǎn)讓賬款必須在其首次要求提供相關(guān)單據(jù)后的60天內(nèi)或其同意延展的期限到期日之前作出。

　　(ii)如進(jìn)口保理商根據(jù)本規(guī)則反轉(zhuǎn)讓有關(guān)賬款，則其對(duì)反轉(zhuǎn)讓賬款的所有義務(wù)被一并解除，并可從出口保理商處索回原先已就該賬款支付的款項(xiàng)。

　　(iii)上述每一次反轉(zhuǎn)讓必須通過(guò)書(shū)面形式。

　　SECTION III Credit Risk Article 16 Definition of credit risk

　　第三節(jié) 信用風(fēng)險(xiǎn) 第十六條 信用風(fēng)險(xiǎn)的定義

　　(i) The credit risk is the risk that the debtor will fail to pay a receivable in full within 90 days of its due date otherwise than by reason of a dispute.

　　(ii) The assumption by the Import Factor of the credit risk on receivables assigned to him is conditional upon his written approval covering such receivables.

　　(i)信用風(fēng)險(xiǎn)意指?jìng)鶆?wù)人出于爭(zhēng)議以外的原因在賬款到期日后90天內(nèi)未能全額付款的風(fēng)險(xiǎn)。

　　(ii)進(jìn)口保理商對(duì)受讓賬款承擔(dān)信用風(fēng)險(xiǎn)是以其書(shū)面核準(zhǔn)該賬款為前提條件的。

　　Article 17 Approvals and requests for approvals 第十七條 核準(zhǔn)與申請(qǐng)核準(zhǔn)

　　(i) Requests of the Export Factor to the Import Factor for the assumption of the credit risk, which may be for the approval of individual orders or of credit lines,must be in writing and must contain all the necessary information to enable the Import Factor to appraise the credit risk and the normal payments terms.

　　(ii) If the Import Factor cannot confirm the exact identification of the debtor as submitted to him he may amend these details in his reply. Any approval shall apply only to the exact identity of the debtor given by the Import Factor in that approval

　　(iii) The Import Factor must, without delay and, in any event, not later than 10 days from receipt of the request, advise the Export Factor of his decision in writing. If, within the said period, the Import Factor cannot make a decision he must, at the earliest, and before the expiry of the period so advise the Export Factor.

　　(iv) The approval shall apply up to the amount approved to the following receivables owed by the debtor:

　　(a) those on the Import Factor’s records on the date of approval;(b) those arising from shipments made up to 30 days before the date of request for approval; and shall be conditional in each case, upon the receipt by the Import Factor of the invoice details and the documents as stipulated in Article 14.

　　(v) (a) Approval in full or in part of an individual order binds the Import Factor to assume the approved credit risk provided that the shipment of the goods is made not later than the dateof shipment, if any, stated in the request for the assumption of credit risk or any earlier expiry date indicated by the Import Factor in the approval.

　　(b) The approval of a credit line binds the Import Factor to assume credit risk on those receivables up to the approved amount for shipments made before cancellation or expiry date of the line.

　　(c) The word goods includes services and the expression shipments made includes services performed.

　　(d) Shipment in relation to goods occurs when they are placed in transit to or to the order of the debtor whether by common carrier or the debtor’s or supplier’s own transport and in relation to services when they are completed.

　　(vi) A credit line is a revolving approval of receivables on a debtor’s account with one supplier up to the amount of the credit line. Revolving means that, while the credit line remains in force, receivables in excess of the line will succeed amounts within the line which are paid by the debtor or the Import Factor or credited to the debtor. The succession of such receivables shall take place in the order in which they are due for payment and shall be limited at any time to the amount then so paid or credited. Where 2 or more receivables are due for payment on the same date then their succession shall take place in accordance with the order of their respective invoice numbers.

　　(vii) All approvals are given on the basisthat each account receivable is in conformity with the terms of payment (with a permissible occasional variation of 100% or 45 days whichever period is shorter) contained in the pertinent information upon which such approval was granted. However, no such variation, which extends the credit beyond any credit period specified as a maximum by the Import Factor in the approval, shall be permitted.

　　(viii) The approval shall be given in the same currency as the request. However, the credit line covers receivables represented by invoices expressed not only in that currency, but also in other currencies; but in all cases the risk to the Import Factor shall not at any time exceed the amount of the original approval.

　　(ix) There shall be only one credit line for each supplier on each debtor and any new credit line shall cancel and replace all previous credit lines for the same supplier on the same debtor in whatever currency denominated.

　　(x) If it is known to the Import Factor that it is the practice of the debtor to prohibit assignments of receivables owing by him then the Import Factor shall so inform the Export Factor in giving his approval or as soon as it is known to the Import Factor if later.

　　(N.B. Paragraphs (iv) (v) and vi) amended October 2007. Paragraphs (i), (v), and (vii) amended September 2008. Paragraph (v) amended June 2009 and again June 2010.)

　　(i)出口保理商請(qǐng)求進(jìn)口保理商承擔(dān)信用風(fēng)險(xiǎn)的申請(qǐng)必須是書(shū)面的，并包含所有進(jìn)口保理商評(píng)估信用風(fēng)險(xiǎn)所需的必要信息以及正常的付款條件信息。

　　(ii)如進(jìn)口保理商對(duì)申請(qǐng)涉及的債務(wù)人的確切身份無(wú)法確認(rèn)，他可以在回復(fù)中更改有關(guān)債務(wù)人細(xì)節(jié)。任何核準(zhǔn)只對(duì)進(jìn)口保理商核準(zhǔn)時(shí)認(rèn)定的債務(wù)人有效。

　　(iii)進(jìn)口保理商必須毫無(wú)延誤且最遲不超過(guò)收到申請(qǐng)后10天內(nèi)書(shū)面通知出口保理商其決定。如果在10天之內(nèi)無(wú)法作出決定，則進(jìn)口保理商必須盡可能早地(最遲在10天結(jié)束前)如此通知出口保理商。

　　(iv)核準(zhǔn)對(duì)債務(wù)人所欠的下述賬款有效(以不超過(guò)核準(zhǔn)金額為限)：

　　a)在核準(zhǔn)之日進(jìn)口保理商已記錄在案的賬款;

　　b)自提出申請(qǐng)之日前30天內(nèi)的發(fā)貨或提供的服務(wù)而產(chǎn)生的賬款;并以進(jìn)口保理商根據(jù)第十四條規(guī)定收到所需的發(fā)票細(xì)節(jié)及單據(jù)為前提條件。

　　(v)進(jìn)口保理商核準(zhǔn)信用額度，意味著其必須承擔(dān)額度取消或失效前供應(yīng)商發(fā)貨所產(chǎn)生賬款的受核準(zhǔn)金額部分的信用風(fēng)險(xiǎn)。

　　發(fā)貨指貨物由專業(yè)承運(yùn)人或債務(wù)人或供應(yīng)商自己的運(yùn)輸工具運(yùn)往債務(wù)人或其指定人。

　　(vi)信用額度意味著對(duì)某一供應(yīng)商對(duì)某一債務(wù)人的賬款的循環(huán)核準(zhǔn)(以不超過(guò)額度最高金額為限)。循環(huán)意味著，在信用額度保持有效期間，超出限額的應(yīng)收賬款(或其部分)將補(bǔ)足限額內(nèi)已被債務(wù)人或進(jìn)口保理商償還的或貸記債務(wù)人帳的金額。這些應(yīng)收賬款(或其部分)的替補(bǔ)將按它們付款到期日的順序進(jìn)行并始終僅限于當(dāng)時(shí)已償還或已貸記的金額。

　　(vii)所有的核準(zhǔn)都以應(yīng)收賬款的付款條件與憑以核準(zhǔn)應(yīng)收賬款的相關(guān)信息中所述的付款條件一致為基礎(chǔ)(允許不超過(guò)100%或45天的偶爾變更，以期限短者為準(zhǔn))。

　　(viii)核準(zhǔn)幣種應(yīng)與申請(qǐng)幣種一致。然而，信用額度不僅對(duì)以核準(zhǔn)幣種記價(jià)的發(fā)票有效，同樣也對(duì)以其他幣種記價(jià)的發(fā)票有效;但無(wú)論如何，進(jìn)口保理商承擔(dān)的風(fēng)險(xiǎn)將不超過(guò)最初核準(zhǔn)時(shí)的金額。

　　(ix)同一供應(yīng)商對(duì)任何一個(gè)債務(wù)人只有一個(gè)信用額度。任何新的信用額度，無(wú)論以何幣種表達(dá)，將撤銷及替代同一供應(yīng)商對(duì)同一債務(wù)人以前的所有信用額度。

　　(x)如進(jìn)口保理商得知債務(wù)人對(duì)自己所欠的賬款慣常禁止轉(zhuǎn)讓，則其在核準(zhǔn)時(shí)應(yīng)將此告知出口保理商。如進(jìn)口保理商后來(lái)得知該情況，亦應(yīng)立即告知出口保理商。