estructura de la solicitud y evitando inconsistencias · pdf filesolicitud de carta de...
TRANSCRIPT
Estructura de la solicitud y evitando
inconsistencias
Treasury and Trade Solutions
April 8th, 2015
Juan Carlos Pinto
Product Manager
Latin America Trade Services
Table of Contents
1. Estructura de una Solicitud 2
2. Análisis de la información en la solicitud
por inconsistencias
9
3. El SWIFT MT700 14
Solicitud de carta de crédito—Estructura y Análisis
Estructura de una Solicitud
– Tipo de Crédito e Integrantes
– Monto y Términos de Pago
– Fecha y lugar de vencimiento, ultima fecha de embarque y periodo de presentación
– Descripción de la mercadería y términos de embarque (Incoterm)
– Documentación requerida
– Condiciones adicionales
Análisis de la información en la Solicitud por inconsistencias
– Inconsistencia en la logística
– Términos de pagos de imposible determinación
– Inconsistencias entre fechas vs. periodo de presentación
– Términos de embarque vs. documentación requerida
El SWIFT MT700
Contenido
1
Estructura de una Solicitud
Monto y Términos de Pago
PAGO A LA VISTA (CON O SIN GIRO)
PAGO DIFERIDO
ACEPTACION
PAGO MIXTO
4 Estructura de una Solicitud
Estructura de una Solicitud
Fecha y lugar de vencimiento, ultima fecha de embarque y periodo de presentación
5 Estructura de una Solicitud
Estructura de una Solicitud
Descripción de la mercadería y términos de Embarque (Incoterms)
6 Estructura de una Solicitud
Análisis de la información en la Solicitud por inconsistencias
Inconsistencia en la Logística
CASA DI RISPAMIO ROMA ITALIA
LEE BENE
1-54 CHINA STREET, SHANGHAI, CHINA
9 Análisis de la información en la solicitud
por inconsistencias
Análisis de la información en la Solicitud por inconsistencias
Términos de pagos de Imposible Determinación
100% 120
FCR (Forwarder Cargo Receipt)
10 Análisis de la información en la solicitud
por inconsistencias
Análisis de la información en la Solicitud por inconsistencias
Inconsistencias entre fechas vs. Periodo de Presentación
DICIEMBRE 31, 2010
15
NOVIEMBRE 28, 2010
11 Análisis de la información en la solicitud
por inconsistencias
Estructura de una Solicitud
Términos de Embarque vs. documentación requerida
12 Análisis de la información en la solicitud
por inconsistencias
Estructura de una Solicitud
Términos de Embarque vs. documentación requerida
SIEMPRE
13 Análisis de la información en la solicitud
por inconsistencias
El SWIFT MT700
Status Tag Field Name
M 27 Sequence of Total
M 40A Form of Documentary Credit
M 20 Documentary Credit Number
O 23 Reference to Pre-Advice
O 31C Date of Issue
M 40E Applicable Rules
M 31D Date and Place of Expiry
O 51a Applicant Bank
M 50 Applicant
M 59 Beneficiary
M 32B Currency Code, Amount
O 39A Percentage Credit Amount Tolerance
O 39B Maximum Credit Amount
O 39C Additional Amounts Covered
M 41a Available With … By …
O 42C Drafts at …
O 42a Drawee
O 42M Mixed Payment Details
O 42P Deferred Payment Details
Status Tag Field Name
O 43P Partial Shipments
O 43T Transhipment
O 44A Place of Taking in Charge/Dispatch
from.../Place of Receipt
O 44E Port of Loading/Airport of Departure
O 44F Port of Discharge/Airport of Destination
O 44B Place of Final Destination/For
Transportation to.../Place of Delivery
O 44C Latest Date of Shipment
O 44D Shipment Period
O 45A Description of Goods and/or Services
O 46A Documents Required
O 47A Additional Conditions
O 71B Charges
O 48 Period for Presentation
M 49 Confirmation Instructions
O 53a Reimbursing Bank
O 78 Instructions to the
Paying/Accepting/Negotiating Bank
O 57a ‘Advise Through’ Bank
O 72 Sender to Receiver Information
M = Mandatory O = Optional
14 El SWIFT MT700
Como Evitar Discrepancias y Demoras
Campo Detalle Recomendacion
Direccion del
Beneficiario
No se incluye la direccion del beneficiario o
esta incompleta
Indicar la direccion completa del beneficiario (Nombre,
Calle, Estado, Pais, Numero, etc.)
Evitar utilizar P. O. Box
Lugar de Expiracion No se indica el lugar de vencimiento El lugar de expiracion debera ser el pais del
banco negociador
Disponibilidad de
la L/C
Existe Inconsistencia entre la disponibilidad del
credito y los detalles del giro
Los principios basicos son
Drafts at sight (vista)—LC available ‘By payment’
Term drafts on Citibank NY (usance)—LC available
‘By Acceptance’
Term drafts on any other bank—LC available
‘By negotiation’
Term Credit, no drafts—LC available ‘By
Deferred Payment’
Available With … By,
Drafts At …, Girado y
Lugar de Vencimiento
LC no especifica detalles de disponibilidad, giros,
girado, (Available with...By, Drafts At.., Drawee) y
lugar de vencimiento
Siempre que aplique, toda LC debe contener
claramente indicados: Disponibilidad, Banco
Negociador, Plazo del Giro/pago; Girado y lugar
de vencimiento
Fecha de Expiracion A veces se coloca el año anterior, la fecha
supuesta de aviso o incosistente con la fecha
ultima de embarque
Asegurarse al indicar la fecha de vencimiento/
expiracion que es del presente año y posterior a la
del embarque
16 El SWIFT MT700
¿Cómo Evitar Discrepancias y Demoras?
Campo Detalle Recomendacion
Descripcion de la
mercancia
Cuando la misma incluye terminos como:
As per Purchase Order No. …,
Spare Parts, Commodity : B-18-S,
As per Contract No. XXX, As per Performa
Invoice, Machine Parts, RI-H7802-8-I, Details as
per ATT
La LC debera siempre incluir una breve descripcion
del producto y/o servicio. En el caso de equipos
algunos equipos electronicos o productos quimicos,
indicar el uso final del mismo. Evitar el uso de
acronismos tecnicos
Puertos o aeropuertos
de embarque y
desembarque
No se mencionan los puertos en general o es
incosistente con el medio de transporte (maritimo
pero mencionan aeropuerto)
Mencionar los puertos o aeropuertos dependiendo del
modo de transporte
Confirmacion No facilitan autorizacion de debito a cuenta o
nominan a un banco reembolsador
Para que Citi pueda confirmar una LC, se requiere:
a) autorizacion por parte del emisor a debitar su
cuenta o b) autorizacion a reclamar reembolso a un
banco en el pais en el que se efectuara el pago
(GBP, JPY)
Advise Through Bank No indican la direccion Swift del Advise Through
Bank o la direccion fisica
Facilitar la direccion completa y la direccion Swift del
2do banco avisador si se encuentra en el mismo pais
del 1er banco avisador (street address, city, state and
Zip Code) along with the Swift /GCN address, if LC to
be advised via electronic means. Si se encontrase en
otro pais, indicar claramente la direccion Swift y la
sucursal especifica de requerirse
Retransmision de
mensajes y LCs
El banco emisor solicita a Citi la retransmision de
un mensaje o una LC
Considerando que Citibank tiene claramente definida
una politica de “no retransmision” de mensajes u
operaciones ni a otro banco ni a sus sucursales,
solicitar actue como avisador o buscar la manera de
enviarla directamente
17 El SWIFT MT700
¿Cómo Evitar Discrepancias y Demoras?
Campo Detalle Recomendacion
Documentos
requeridos
(Transporte)
Documento de transporte no requerido en la LC Todas las LCs deben requerir factura comercial y
documento de embarque, dependiendo de la
modalidad. Esto se exige para cumplir con las leyes
relacionadas al lavado de dinero prinicpalmente.
Adicionalmente, en caso de requerirse los originales
debera indicarse la cantidad
Documentos
requeridos
(no consistente con
los terminos de venta)
Existe inconsistencia entre los INCOTERMS y
otras referencias al flete o seguro dentro de
la LC
La LC debera indicar los terminos de venta
(INCOTERMS) bajo los cuales la mercancia sera
despachada y debera existir consistencia con la forma
de pago del flete. Si el termino inlcuye la letra “I”, un
documento de seguro debera ser requerido
Condiciones
adicionales
(verificacion
de firmas)
LC solicita como condicion especial el que Citi
verifique la firma en los documentos presentados
para negociacion, contra un especimen de firma
enviado y que forma parte integral de la LC
Los bancos, por practica bancaria en comercio
exterior, y por las reglas, no asumen responsabilidad
de la verificacion de firmas Article 15). As per policy
Citibank does not verify signatures on documents
presented for negotiation against any specimen
provided by the Issuing bank
Cargos La LC, o la modificacion, menciona condiciones
como: sera operativa o avisada una vez se
cobren los cargos respectivos
Eliminar este tipo de condicion ya que no es buena
practica bancaria. Los cargos se cobraran al
momento de la negociacion o cuando el beneficiario
los pague una vez avisada la misma
18 El SWIFT MT700
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