一天,一位顾客来我行交上一套远期信用证项下出口单据,请求为其叙作出口押汇,金额37.2万美元。该证为它行通知,并有如下条款:1、三分之一正本提单迳寄开证申请人;2、付款日期为提单后90天。常识告诉我们,远期信用证项下单据叙作出口押汇,是有一定风险的;提单代表着货权,提单脱手,货权不在银行手里,更具有风险性。按以往惯例,完全有理由婉拒。然而,我们并没有立刻下结论,而是本着具体情况具体分析的原则,开动脑筋、深入思考,调查研究、知难而上。我们当初的想法是,作为成立时间不长的小行,能来个把有真正大业务的客户不多,面对激烈的市场竞争,一定要抓住它。既要防风险,也要赚钱。 One day, a customer came to China and handed in a set of export documents under a long-term letter of credit requesting him to make an oral remittance of $372,000. The permit informs it and has the following terms: 1. One-third of the original bill of lading is sent to the applicant; 2. The payment date is 90 days after the bill of lading. Common sense tells us that there is a certain risk in making oral documents under the long-term letter of credit. The bill of lading stands for the right to goods, and the bill of lading takes off. The right to goods is not in the hands of the bank, and it is more risky. According to past practice, there is every reason to refuse. However, we did not immediately draw conclusions. Instead, we began to use our principles and analyze the principles of specific situations to use our brains, conduct in-depth thoughts, conduct investigations and research, and overcome difficulties. Our original idea was that, as a small business that was established for a short period of time, we could come to have a few customers with real big business and we must seize it in the face of fierce market competition. It is necessary to prevent risks and make money.