一、欺诈例外原则信用证支付方式是银行信誉替代商业信誉的产物,已在国际贸易中发挥了巨大作用,被誉为“国际商业的生命线”。信用证的独立性是一项公认的原则,也是信用证体系赖以存在的基石。然而,这一原则要求银行只处理单据和客观上对开证申请人和受益人保护的不平衡,造成其先天不足,给不法分子实施欺诈留下了可乘之机。近年来,国际贸易中不断发生的欺诈案件,使上述原则受到巨大威胁,如果固守这一原则,在遇到卖 First, the principle of fraud Exception letter of credit payment is the product of bank credit to replace the business reputation, has played a huge role in international trade, known as the “lifeline of international commerce.” The independence of the L / C is a generally accepted principle and the cornerstone of the L / C system. However, this principle requires banks to handle only the documents and the objective protection of the applicants and beneficiaries of the balance of claims, resulting in its inherent deficiencies, to criminals left behind the opportunity to implement fraud. In recent years, the continuous fraud cases in international trade have posed a great threat to these principles. If we stick to this principle,