出现不良开证,可能进口商、出口商和开证行都难辞其咎,但最终的后果由谁承担还需视具体情况而定。信用证业务中的一些争论甚至拒付产生于不良开证,即开证时信用证条款本身就已埋下隐患,由此造成的后果究竟该由谁买单似乎没有统一标准。信用证中的不良条款信用证单据条款中常见到这样的要求:“INSURANCE POLICY/CERTIFICATE MADE OUT TO ODER OFISSUING BANK…”(保险单/保险证明做成以开证行指定的人为抬头)。实际业务中提交的单据常会在被保险人栏位显示受益人名称,然后背书给开证行。而此做法并非开证行都会认可:有的开证行会以单据与信用证要求不符直接提 Appear bad issuing, may importers, exporters and issuing bank are hard to blame, but who ultimately bear the consequences also depends on the specific circumstances. Some controversy in the credit business or even refuse to pay due to poor issuing, that is, the terms of the letter of credit when the permit has been laid under the hidden dangers, resulting in the consequences of who should pay for what seems to be no uniform standard. Bad terms in letters of credit documents such as the letter of credit common to such a requirement: “INSURANCE POLICY / CERTIFICATE MADE OUT TO ODER OFISSUING BANK ... ” (made with the issuing bank designated by the person). Documents submitted in the actual business often show the name of the beneficiary in the insured field, and then endorse the issuing bank. And this practice is not the issuing bank will be recognized: Some issuing bank will not meet the requirements of documents and letters of credit directly