Uniform Rules for Collections No. 522

国际商会托收统一规则

国际商会（ICC）第522号出版物

1995 Revision in force as of January 1, 1996

1995年修订 1996年1月1日生效

Leaflet Version, ICC No. 522LF

The ICC Uniform rules for collections were first published by the ICC in 1956. Revised versions were issued in 1967 and 1978. This present revision was adopted by the Council of the ICC in June 1995. It is issued with the title “ICC Uniform Rules for Collections’ as ICC Publication No 522. This English language gives the official text of the 1995 Revision.

A. GENERAL PROVISIONS AND DEFINITIONS

A．总则与定义

ARTICLE 1  Application of URC 522

第一条 URC522的适用

a: The Uniform Rules for Collections, 1995 Revision, ICC Publication No 522, shall apply to all collections as defined in ARTICLE 2 where such rules are incorporated into the text of the ‘collection instruction’ referred to in ARTICLE 4 and are binding on all parties thereto unless otherwise expressly agreed or contrary to the provisions of a national, state or local law and/or regulation which cannot be departed from.

a. 《托收统一规则》（1995年修订本）（国际商会第522号出版物）适用于本规则第二条所定义的所有托收，只要在“托收指示”（本规则第四条所提及）的文本中援引本规则。本规则的适用对所有当事各方均有约束力，除非另有明确同意，或者与一个国家、州或地方的强行法律/或法规相矛盾。

b: Banks shall have no obligation to handle either a collection or any collection instruction or subsequent related instructions.

b. 对于任一项托收或者托收指示或者随后的相关指示，银行无办理之义务。

c: If a bank elects, for any reason, not to handle a collection or any related instructions received by it, it must advise the party from whom it received the collection or the instructions by telecommunication or, if that is not possible, by other expeditious means, without delay:

c. 如果银行由于任何原因选择不予办理其收到的托收或者相关指示，它必须毫不迟延地以电讯方式，或者，如不可能，则以其他快速方式通知向其发出托收或者指示的一方。

ARTICLE 2  Definition of Collection

第二条 托收的定义

For the purposes of these ARTICLES:

就本规则而言：

a: ‘Collection’ means the handling by banks of documents as defined in Sub-ARTICLE 2 b in accordance with instructions received, in order to:

a: “托收”系指银行根据收到的指示处理第二条b款定义的单据，以便：

1. obtain payment and/or acceptance

or

1. 获得付款及/或承兑，或者

2. deliver documents against payment and /or against acceptance.

or

2．凭付款及/或承兑交付单据，或者

3. deliver documents on other terms and conditions.

3. 根据其他条款和条件交付单据。

b: ‘Documents’ means financial documents and/or commercial documents:

b: “单据”系指金融单据及/或商业单据

1. ‘Financial documents’ means bills of exchange, promissory notes, cheques, or other similar instruments used for obtaining the payment of money.

1. “金融单据”系指汇票、本票、支票或者其他用于获得付款的类似票据。

2. ‘Commercial documents’ means invoices, transport documents, documents of title or other similar documents, or any other documents whatsoever, not being financial documents.

2. “商业单据”系指发票、运输单据、权利凭证或者其它类似单据，或者非金融单据的其他任何单据。

c: ‘Clean Collection’ means collection of financial documents not accompanied by commercial documents.

c. “光票托收”系指未附商业单据的金融单据的托收。

d: ‘Documentary collection’ means collection of:

d:“跟单托收”系指下列托收：

1. Financial documents accompanied by commercial documents.

1. 附有商业单据的金融单据的托收；

2. Commercial documents not accompanied by financial documents.

2. 未附金融单据的商业单据的托收。

ARTICLE 3  Parties to a Collection

第三条 托收的当事方

a: For the purposes of these ARTICLES the ‘parties thereto’ are:

a: 就本规则而言，“有关当事方”系指：

1. the ‘principal’ who is the party entrusting the handling of a collection to a bank;

1. “委托方”，即委托银行办理托收的一方；

2.the ‘remitting bank’ which is the bank to which the principal has entrusted the handling of a collection;

2. “托收行”，即受委托方委托办理托收的银行；

3. the ‘collecting bank’ which is any bank, other than the remitting bank, involved in processing the collection;

3. “代收行”，即除托收行之外的参与办理托收的任何银行；

4. the ‘presenting bank’ which is the collecting bank making presentation to the drawee.

4. “提示行”，即向付款人作出提示的代收行。

b: The ‘drawee’ is the one to whom presentation is to be made in accordance with the collection instruction.

b: “付款人”，系指根据托收指示被提示单据的人。

B . FORM AND STRUCTURE OF COLLECTIONS

B. 托收的形式和结构

ARTICLE 4  Collection Instruction

第四条 托收指示

a: 1. All documents sent for collection must be accompanied by a collection instruction indicating that the collection is subject to URC 522 and giving complete and precise instructions. Banks are only permitted to act upon the instructions given in such collection instruction, and in accordance with these Rules.

a: 1. 所有单据必须附有一项托收指示，表明本托收适用URC522，并给出完整和明确的指示。银行只被允许根据托收指示及本规则行事。

2. Banks will not examine documents in order to obtain instructions.

2. 银行不会通过审核单据来获得指示。

3. Unless otherwise authorized in the collection instruction, banks will disregard any instructions from any party/bank other than the party/bank from whom they received the collection.

3. 除非托收指示中另有授权，否则除交办托收的一方的指示外，银行对任何第三方的指示将不予理会。

b: A collection instruction should contain the following items of information as appropriate.

b: 托收指示应包括下列内容（如适当的话）：

1. Details of the bank from which the collection was received including full name, postal and SWIFT addresses, telex, facsimile numbers and reference.

1. 交办托收的银行的详细资料，包括完整的名称、邮政地址和SWFT地址、电传、电话、传真号码和业务参考号。

2. Details of the principal including full name, postal address, and if applicable telex, telephone and facsimile numbers.

2. 委托人的详细资料，包括完整的名称、邮政地址，以及如有的话，电传、电话和传真号码。

3. Details of the drawee including full name, postal address, or the domicile at which presentation is to be made and if applicable telex, telephone and facsimile numbers.

3. 付款人的详细资料，包括完整的名称、邮政地址、或者提示的地点，以及，如有的话，电传、电话和传真号码。

4. Details of the presenting bank, if any, including full name, postal address, and if applicable telex, telephone and facsimile numbers.

4. 如有提示行的话，提示行的详细资料，包括完整的名称、邮政地址，以及，如有的话，电传、电话和传真号码。

5. Amount(s) and currency(ies) to be collected.

5. 托收的金额和币种。

6. List of documents enclosed and the numerical count of each document.

6. 所附单据清单以及每种单据的份数。

7. a Terms and conditions upon which payment and/or acceptance is to be obtained.

7. a. 付款及/或承兑的条款和条件。

b Terms of delivery of documents against:

1）payment and/or acceptance

2) others terms and conditions

b. 单据的交付条件：

1）付款及/或承兑

2）其他条款和条件

It is the responsibility of the party preparing the collection instruction to ensure that the terms for the delivery of documents are clearly and unambiguously stated, otherwise banks will not be responsible for any consequences arising therefrom.

发出托收指示的一方有责任确保单据的交付条件表述清楚、明确，否则，银行对由此产生的任何后果不负责任。

8. Charges to be collected, indicating whether they may be waived or not.

8. 待收取的费用，并表明是否可以放弃。

9. Interest to be collected, if applicable, indicating whether it may be waived or not, including:

a: rate of interest

b: interest period

c: basis of calculation (for example 360 or 365 days in a year) as applicable

9. 待收取的利息（如有的话），并表明是否可以放弃，包括：

a:利率

b:计息期

c:计息基础（例如一年是360天还是365天）

10. Method of payment and form of payment advice.

10. 付款的方法和付款通知的形式。

11. Instructions in case of non-payment, non-acceptance and/or non-compliance with other instructions.

11. 对于在不付款、不承兑及/或不遵从其他指示时如何处理的指示。

c: 1. Collection instructions should bear the complete address of the drawee or of the domicile at which the presentation is to be made. If the address is incomplete or incorrect, the collecting bank may, without any liability and responsibility on its part, endeavour to as certain the proper address.

C: 1. 托收指示应当载明付款人或提示地的完整地址。如果地址不完整或不正确，代收行可以试图确定正确的地址，但对此不承担任何义务和责任。

2. The collecting bank will not be liable or responsible for any ensuing delay as a result of an incomplete/incorrect address being provided.

2. 代收行对由于地址不完整/不正确而导致的任何延误不承担义务或责任。

C. FORM OF PRESENTATION

C. 提示的形式

ARTICLE 5  Presentation

第五条 提示

a: For the purposes of these ARTICLES, presentation is the procedure whereby the presenting bank makes the documents available to the drawee as instructed.

a: 就本规则而言，提示系指提示行根据托收指示，使付款人获得并可以使用单据的程序。

b: The collection instruction should state the exact period of time within which any action is to be taken by the drawee.

b: 托收指示应当表明要求付款人完成任何行为的确切期限。

Expressions such as ‘first’, ‘prompt’, ‘immediate’, and the like should not be used in connection with presentation or with reference to any period of time within which documents have to be taken up or for any other action that is to be taken by the drawee. If such terms are used banks will disregard them.

诸如“首先”、“迅速”、“立即”及类似的词语不应用来表示对提示时间期限的要求，或者用于付款人接受单据或者采取任何其他行为的时间期限。如果采用了此类用语，银行将不予理会。

c: Documents are to be presented to the drawee in the form in which they are received, except that banks are authorized to affix any necessary stamps, at the expense of the party from whom they received the collection unless otherwise instructed, and to make any necessary endorsements or place any rubber stamps or other identifying marks or symbols customary to or required for the collection operation.

单据应按收到时的形式向付款人提示，但是银行可以加贴必要的印花，手续费由交办托收的一方承担（除非另有指示），或者进行必要的背书或加盖图单或者托收业务惯用或者必需的其他辨认记号或者符号。

d: For the purpose of giving effect to the instructions of the principal, the remitting bank will utilize the bank nominated by the principal as the collecting bank. In the absence of such nomination, the remitting bank will utilize any bank of its own, or another bank’s choice in the country of payment or acceptance or in the country where other terms and conditions have to be complied with.

d. 为办理委托人的指示，托收行将以委托人指定的银行作为代收行。如无此规定，则托收行将使用它自己或另一银行选择的在支付国或承兑国或者其他托收条款履行地的银行作为代收行。

e: The documents and collection instruction may be sent directly by the remitting bank to the collecting bank or through another bank as intermediary.

e: 单据及托收指示可以由托收行直接或者通过另外的中间银行发送给代收行。

f: If the remitting bank does not nominate a specific presenting bank, the collecting bank may utilize a presenting of its choice.

f: 如果托收行未指定特定的提示行，则代收行可以自行选择提示行。

ARTICLE 6  Sight/Acceptance

第六条 即期/承兑

In the case of documents payable at sight the presenting bank must make presentation for payment without delay. In the case of documents payable at a tenor other than sight the presenting bank must, where acceptance is called for, make presentation for acceptance without delay, and where payment is called for, make presentation for payment not later than the appropriate maturity date.

如果是即期付款的单据，则提示行必须毫不迟延地提示。如果是远期付款单据，如要求承兑，提示行必须毫不迟延地提示，以获得承兑；如要求付款，提示行必须在到期日之前提示，以获得付款。

ARTICLE 7  Release of Commercial Documents

第七条 商业单据的交付

Documents Against Acceptance (D/A) vs. Documents Against Payment (D/P)

承兑交单(D/A)和付款交单(D/P)

a: Collections should not contain bills of exchange payable at a future date with instructions that commercial documents are to be delivered against payment.

a: 指示商业单据在付款时交付的托收不应包含远期汇票。

b: If a collection contains a bill of exchange payable at a future date, the collection instruction should state whether the commercial documents are to be released to the drawee against acceptance(D/A) or against payment (D/P)

b: 如果托收包含远期汇票，则托收指示应声明商业单据是凭承兑(D/A)还是凭付款(D/P)交付给付款人。

In the absence of such statement commercial documents will be released only against payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.

如无此声明，则商业单据只能在获得付款时交付，代收行对单据交付的迟延所引起的任何后果不承担责任。

c: If a collection contains a bill of exchange payable at a future date and the collection instruction indicates that commercial documents are to be released against payment, documents will be released only against such payment and the collecting bank will not be responsible for any consequences arising out of any delay in the delivery of documents.

c: 如果托收包含远期汇票，托收指示声明商业单据凭付款交付，则单据只能在获得付款时交付，代收行对单据交付的迟延所引起的任何后果不承担任何责任。

ARTICLE 8  Creation of Documents

第八条 单据的制作

Where the remitting bank instructs either the collecting bank or the drawee is to create documents (bill of exchange, promissory notes, trust receipts, letters of undertaking or other documents) that were not included in the collection, the form and wording of such documents shall be provided by the remitting bank, otherwise the collecting bank shall be not be liable or responsible for the form and wording of any such documents provided by the collecting bank and/or the drawee.

当托收行指示由代收行或付款人制作托收所没有包含的单据（汇票、本票、信托收据、承诺函或者其他单据），托收行应提供这些单据的格式和措辞，否则，代收行对由它及/或付款人提供的此类单据的形式和措辞不承担任何责任。

D. LIABILITIES AND RESPONSIBLITIES

D. 责任和义务

ARTICLE 9  Good faith and Reasonable care

第九条 善意及合理的谨慎

Banks will act in good faith and exercise reasonable care.

银行以善意行事，并且以合理的谨慎履行职责。

ARTICLE 10  Documents vs. Goods/Services/Performances

第十条 单据与货物/服务/履行

a: Goods should (not) be dispatched directly to the address of a bank or consigned to or to the order of a bank without prior agreement on the part of that bank.

a: 没有银行的预先同意，货物不应直接发往银行的地址，或者以银行为收货人或者凭银行指示。

Nevertheless, in the event that goods are dispatched directly to the address of a bank or consigned to or to the order of a bank for release to a drawee against payment or acceptance or upon other terms and conditions without prior agreement on the part of that bank, such bank shall have no obligation to take delivery of the goods, which remain at the risk and responsibility of the party dispatching the goods.

然而，如果货物在没有银行预先同意的情况下直接发送到了银行的地址，或者以银行为托收人或凭银行指示，并要求银行凭付款或承兑或其他条件向付款人交付货物，该银行没有受领货物的义务，货物的风险和责任仍然属于发货方。

b: Banks have no obligation to take any action in respect of the goods to which a documentary collection relates, including storage and insurance of the goods even when specific instructions are given to do so. Banks will only take such action if, when, and to the extent that they agree to do so in each case. Notwithstanding the provision of Sub-ARTICLE 1 c this rule applies even in the absence of any specific advice to this effect by the collecting bank.

b: 对托收单据所涉及的货物，银行没有义务采取任何行动，包括对货物的存储和保险，即使有明确的指示要求这样做。只有当银行在一笔特定托收业务中特别同意的情况下，并在其所同意的范围内，才会采取上述行动。本条规定即使在代收行未就此给予明确通知的情况下也仍然适用，尽管有第一条第c款的规定。

c: Nevertheless, in the case that banks take action for the protection of the goods, whether instructed or not, they assume no liability or responsibility with regard to the fate and/or conditions of the goods and/or for any acts and/or omissions on the part of any third parties entrusted with the custody and/or protection of the goods. However, the collection bank must advise without delay the bank from which the collection instruction was received of any such action taken.

c: 然而，如果银行为保护货物而采取行动，无论有无指示，银行对货物的下落及或状况，及或受委托保管及或保护货物的任何第三方的作为及或不作为不承担责任。但是，代收行必须将其所采取的任何此类行动毫不迟延地通知向其发出托收指示的银行。

d: Any charges and/or expenses incurred by banks in connection with any action taken to protect the goods will be for the account of the party from whom they received the collection.

d: 银行为保护货物而采取的行动所产生的任何手续费开支应由向其交办托收的一方承担。

e: 1. Notwithstanding the provisions of Sub-ARTICLE 10 a. where the goods are consigned to or to the order of the collecting bank and the drawee has honoured the collection by payment, acceptance or other terms and conditions and the collecting bank arranges for the release of the goods, remitting bank shall be deemed to have authorised the collecting bank to do so.

e: 1. 尽管有第十条第a款的规定，当货物已发给代收行或者凭代收行指示，且付款人已经通过付款、承兑或者满足其他条款和条件履行了托收项下义务，从而代收行安排交付货物时，应视为托收行已授权代收行这样做。

2. Where a collecting bank on the instructions of the remitting bank or in terms of Sub-ARTICLE 10 e (1.) above arranges for the release of the goods, the remitting bank shall indemnify such collecting bank for all damages and expenses incurred.

2. 当代收行根据托收行的指示或者根据第十条第e款第1项的规定，安排交付货物时，托收行应当对代收行因此所可能对外承担的所有赔偿金和开支负偿付责任。

ARTICLE 11  Disclaimer For Acts of an Instructed Party

第十一条 对被指示方行为的免责

a: Banks utilising the services of another bank or other banks for the purpose of giving effect to the instructions of the principal, do so for the account and at the risk of such principal.

a: 银行使用其他银行的服务以及办理委托人的指示，费用和风险由委托人承担。

b: Banks assume no liability or responsibility should the instructions they transmit not be carried out, even if they have themselves taken the initiative in the choice of such other bank(s).

b: 银行对其所发出的指示未被执行不承担任何责任，即使是银行自主选择了这些银行。

c. A party instructing another party to perform services shall be bound by and liable to indemnify the instructed party against all obligations and responsibilities imposed by foreign laws and usages.

c: 指示他方提供服务的一方，应受外国法律或惯例加诸被指示方的义务的约束，并对被指示方因履行该义务所承担的责任和费用负偿付之责。

ARTICLE 12  Disclaimer on Documents Received

第十二条 对所收单据的免责

a: Banks must determine that the documents received appear to be as listed in the collection instruction and must advise by telecommunication or, if that is not possible, by other expeditious means, without delay, the party from whom the collection instruction was received of any documents missing, or found to be other than listed.

a: 银行必须确定所收到的单据在表面上与托收指示中所列的相符。当有单据短缺或者与托收指示所列不相符时，银行必须以电讯方式，或者，如不可能，则以其他快速方式毫不迟延地通知向其发出托收指示的一方。

Banks have no further obligation in this respect.

在此方面银行再无更多的义务。

b: If the documents do not appear to be listed, the remitting bank shall be precluded from disputing the type and number of documents received by the collecting bank.

b: 如果表面看来单据未在托收指示中列明，则托收行不得对代收行声称所收到的单据的种类和数量提出异议。

c: Subject to Sub-ARTICLE 5 c and Sub-ARTICLEs 12 a and 12 b above, banks will present documents as received without further examination.

c: 除按前术第五条c款、第十二条a款和第十二条b款处理单据外，银行将按收到的单据进行提示而不作进一步审查。

ARTICLE 13  Disclaimer on Effectiveness of Documents

第十三条 对单据有效性的免责

Banks assume no liability or responsibility for the form, sufficiency, accuracy, genuineness, falsification or legal effect of any document(s), or for the general and/or particular conditions stipulated in the document(s) or superimposed thereon; not do they assume any liability or responsibility for the description quantity; weight, quality, conditions, packing, delivery, value or existence of the goods represented by any document(s), or for the good faith or acts and/or omissions, solvency, performance or standing of the consignors, the carriers, the forwarders, the consignees or the insurers of the goods, or any other person whomsoever.

对任何单据的形式、充分性、准确性、真实性、伪造或者法律效力，或者单据中所规定或添加的一般及/或特殊条件，银行不承担责任。对于单据所代表货物的描述、数量、重量、状况、包装、交货、价值或存在，或者货物的发货人、承运人、货运代理人、收货人、保险人，或者任何其他人的诚信或者作为及/或不作为，偿债能力、履行情况或者信誉，银行也不承担任何责任。

ARTICLE 14  Disclaimer on Delays, Loss in Transit and Translation

第十四条 对翻译以及传递中的延误、遗失的免责

a: Banks assume no liability or responsibility for the consequences arising out of delay and/or loss in transit of any message(s), letter(s) or document(s), or for delay, mutilation or other error(s) arising in transmission of any telecommunication or for error(s) in translation and/or interpretation of technical terms.

a: 对任何讯息、信件或者单据在传递中因延误及/或遗失所引起的后果，或者任何在电讯传递过程中所发生的延误、毁损或其他错误，或者对技术术语的翻译及/或解释中的错误，银行不承担责任。

b: Banks will not be liable or responsible for any delays resulting from the need to obtain clarification of any instructions received.

b: 对因为澄清所收到的指示而导致的任何延误，银行不承担责任。

ARTICLE 15  Force Majeure

第十五条 不可抗力

Banks assume no liability or responsibility for consequences arising out of the interruption of their business by Acts of God, riots, civil commotions, insurrections, wars, or any other causes beyond their control or by strikes or lockouts.

对因自然灾害、暴乱、骚乱、叛乱、战争或者银行不可控制的任何其他原因，或者由于罢工或停工所导致的银行营业中断而产生的后果，银行不承担责任。

E. PAYMENT

E. 付款

ARTICLE 16  Payment Without Delay

第十六条 毫不迟延地付款

a: Amounts collected (less charges and/or disbursements and/or expenses where applicable) must be made available without delay to the party from whom the collection instruction was received in accordance with the terms and conditions of the collection instruction.

a: 收妥的款项（扣除手续费及/或开支，如有的话）必须按照托收指示的条款和条件毫不迟延地支付给向其发出托收指示的一方。

b. Notwithstanding the provisions of Sub-ARTICLEs 1 c and unless otherwise agreed, the collecting bank will effect payment of the amount collected in favour of the remitting bank only.

b. 尽管有第一条c款的规定，除非另有约定，代收行仅将收妥之款项支付给托收行。

ARTICLE 17  Payment in Local Currency

第十七条 以本国货币支付

In the case of documents payable in the currency of the country of payment (local currency), the presenting bank must, unless otherwise instructed in the collection instruction release the documents to the drawee against payment in local currency only if such currency is immediately available for disposal in the manner specified in the collection instruction.

如果单据以支付地国家的货币（本国货币）支付，提示行只有在付款人以能按托收指示规定的方式立即支用的本国货币付款后方能向付款人交付单据，除非托收指示另有规定。

ARTICLE 18  Payment in Foreign Currency

第十八条 以外国货币支付

In the case of documents payable in the currency other than that of the country of payment (foreign currency), the presenting bank must, unless otherwise instructed in the collection instruction, release the documents to the drawee against payment in the designated foreign currency only if such foreign currency can immediately be remitted in accordance with the instructions given in the collection instruction.

如果单据以支付地国家以外的货币（外国货币）支付，提示行只有在付款人以能按托收指示规定的方式立即汇出的该外国货币付款后方能向付款人交付单据，除非托收指示另有规定。

ARTICLE 19  Partial Payments

第十九条 部分支付

a: In respect of clear collections, partial payments may be accepted if and to the extent to which and on the conditions on which partial payments are authorized by the law in force in the place of payment. The financial document(s) will be released to the drawee only when full payment thereof has been received.

a: 在光票托收时，在付款地的有效法律允许的情况下，在其允许的条件和限度内，可以接受部分支付。金融单据仅在全部款项已经收妥的情形下方可交付给付款人。

b: In respect of documentary collections, partial payments will only be accepted if specifically authorized in the collection instruction. However, unless otherwise instructed, the presenting bank will not be responsible for any consequences arising out of any delay in the delivery of the documents.

b: 在跟单托收时，只有在托收指示专门授权时才接受部分付款。但是，除非另有指示，提示行仅在全部分款项收妥后才向付款人交付单据。提示行不对任何交付单据的迟延所导致的后果负责。

c: In all cases partial payments will be accepted only subject to compliance with the provisions of either ARTICLE 17 or ARTICLE 18 as appropriate.

c: 在任何情况下，部分支付只有在符合第十七条或者第十八条的规定（根据不同情况）时，方可被接受。

Partial payment, if accepted, will be dealt with in accordance with the provisions of ARTICLE 16.

如果接受部分支付，则应按照第十六条的规定办理。

F. INTEREST CHARGES AND EXPENSES

F. 利息、手续费和开支

ARTICLE 20  Interest

第二十条 利息

a: If the collection instruction specifies that interest is to be collected and the drawee refuses to pay such interest, the presenting bank may deliver the document(s) against payment or acceptance or on other terms and conditions as the case may be, without collecting such interest, unless Sub-ARTICLE 20 c applies.

a: 如果托收指示规定应收取利息，而付款人拒绝支付利息，提示行可以凭付款或承兑或其他条款和条件交付单据，而不再收取利息，除非第二十条c款适用。

b: Where such interest is to be collected, the collection instruction must specify the rate of interest, interest period and basis of calculation.

b: 当要求收取利息时，托收指示必须明确说明利率、计息期及计息基础。

c: Where the collection instruction expressly states that interest may not be waived and the drawee refuses to pay such interest the presenting bank will not deliver documents and will not be responsible for any consequences arising out of any delay in the delivery of document(s). When payment of interest has been refused, the presenting bank must inform by telecommunication or, if that is not possible, by other expeditious means without delay the bank from which the collection instruction was received.

c: 当托收指示明确规定利息不得放弃而付款人拒绝支付时，提示行将不交付单据，而且对单据交付迟延所产生的任何后果不负责任。当利息被拒绝支付时，提示行必须以电讯方式，或者，如不可能，则以其他快速方式毫不迟延地通知向其发出托收指示的银行。

ARTICLE 21  Charges and Expenses

第二十一条 手续费和开支

a: If the collection instruction specifies that collection charges and/or expenses are to be for account of the drawee and the drawee refuses to pay them, the presenting bank may deliver the document(s) against payment or acceptance or on other terms and conditions as the case may be, without collecting charges and/or expenses, unless Sub-ARTICLE 21 b applies.

a: 如果托收指示规定托收的手续费及/或开支应由付款人负担而付款人拒绝支付，提示行可以凭付款或承兑或其他条款和条件交付单据，而不再收取托收手续费及/或开支，除非第二十一条b款适用。

Whenever collection charges and/or expense are so waived they will be for the account of the party from whom the collection was received and may be deducted from the proceeds.

当托收手续费及/或开支被如此放弃时，该手续费及/或开支将由发出托收指示的一方负担并且可以从实收款项中扣除。

b: Where the collection instruction expressly states that charges and/or expenses may not be waived and the drawee refuses to pay such charges and/or expenses, the presenting bank will not deliver documents and will not be responsible for any consequences arising out of any delay in the delivery of the document(s). When payment of collection charges and/or expenses has been refused the presenting bank must inform by telecommunication or, if that is not possible, by other expeditious means without delay the bank from whom the collection instruction was received.

b: 当托收指示明确规定手续费及/或开支不得放弃而付款人拒绝支付时，提示行将不交付单据，而且对单据交付的延误所产生的任何后果不负责任。当手续费及/或开支被拒绝支付时，提示行必须以电讯方式，或者，如不可能，则以其他快速方式毫不迟延地通知向其发出托收指示的银行。

c: In all cases where in the express terms of a collection instruction or under these Rules, disbursement and/or expenses and/or collection charges are to be borne by the principal, the collecting bank(s) shall be entitled to recover promptly outlays in respect of disbursements, expenses and charges from the bank from which the collection instruction was received, and the remitting bank shall be entitled to recover promptly from the principal any amount so paid out by it, together with its own disbursements, expenses and charges, regardless of the fate of the collection.

c: 在所有情况下，当托收指示有明确条款或者根据本规则之规定，支出及/或托收手续费应由委托人承担时，代收行有权从向其发出托收指示的银行迅速收回支付的有关支出、开支和手续费，托收行有权从委托人处迅速收回其支付的上述款项，以及其自己的支出、开支和手续费，而不论托收的结果如何。

d: Banks reserve the right to demand payment of charges and/or expenses in advance from the party from whom the collection instruction was received, to cover costs in attempting to carry out any instructions, and pending receipt of such payment, also reserve the right not to carry out such instructions.

d: 银行保留要求向其发出托收指示的一方预付手续费及/或开支以作为试图执行该托收指示的经费的权利，并且在没有获得上述款项时，保留不执行此类指示的权利。

G. OTHER PROVISIONS

G. 其他规定

ARTICLE 22  Acceptance

第二十二条 承兑

The presenting bank is responsible for seeing that the form of the acceptance of a bill of exchange appears to be complete and correct, but is not responsible for the genuineness of any signature or for the authority of any signatory to sign the acceptance.

提示行有责任检查汇票的承兑形式，以保证其表面看来是完整、正确的，但不负责审核签字的真实性或承兑签字人的签字权限。

ARTICLE 23  Promissory Notes and Other Instruments

第二十三 本票和其他票据

The presenting bank is not responsible for the genuineness of any signature or for the authority of any signatory to sign a promissory notes, receipt, or other instruments.

提示行不对任何签名的真实性或者本票、收据或者其他票据的签署人的签字权限负责。

ARTICLE 24  Protest

第二十四条 拒绝证明

The collection instruction should give specific instructions regarding protest (or other legal process in lieu thereof), in the event of non-payment or non-acceptance.

托收指示应当就如果发生拒绝支付或拒绝承兑时的拒绝证明（或者其他替代的法律手续）作出明确的指示。

In the absence of such specific instructions, the banks concerned with the collection have no obligation to have the document(s) protested (or subject to other legal process in lieu thereof) for non-payment or non-acceptance.

如果没有此类明确指示，托收的有关银行没有义务就拒绝支付或者拒绝承兑的单据作出拒绝证明（或者办理其他替代的法律手续）。

Any charges and/or expenses incurred by banks in connection with such protest, or other legal process, will be for the account of the party from whom the collection instruction was received.

银行因办理此类拒绝证明或其他替代的法律手续而发生的手续费及/或开支将由向其发出托收指示的一方承担。

ARTICLE 25  Case-of-Need

第二十五条 需要时的代理人

If the principal nominates a representative to act as case-of-need in the event of non-payment and/or non-acceptance the collection instruction should clearly and fully indicate the powers of such case-of-need. In the absence of such indication banks will not accept any instructions from the case-of-need.

如果委托人指定一名代表在发生拒绝付款及/或拒绝承兑时担当需要时的代理人，则托收指示应当清楚、完整地说明该代理人的权限。如果没有这样的说明，银行将不接受来自该代理人的任何指示。

ARTICLE 26  Advises

第二十六条 通知

Collecting banks are to advise fate in accordance with the following rules:

代收行将根据下列规定通知托收结果:

a: Form of Advice

All advises or information from the collecting bank to the bank from which the collection instruction was received, must bear appropriate details including, in all cases, the latter bank’s reference as stated in the collection instruction.

a: 通知的形式

代收行向对其发出托收指示的银行所发出的全部通知或讯息必须包含适当的细节，且在所有情况下都应包括在托收指示中所指明的后一银行的业务参考号。

b: Method of Advice

It shall be the responsibility of the remitting bank to instruct the collecting bank regarding the method by which the advises detailed in c (1.), c (2.) and c (3.) are to be given. In the absence of such instructions, the collecting bank will send the relative advises by the method of its choice at the expense of the bank from which the collection instruction was received.

b: 通知的方法

托收行有责任就本条c款1项、c款2项和c款3项中列明的通知如何作出的方法向代收行发出指示。如果没有该指示，代收行将以自己选择的方法发出相关的通知，费用由向其发出托收指示的银行承担。

c: 1. Advice of Payment

The collecting bank must send without delay advice of payment to the bank from which the collection instruction was received, detailing the amount or amounts collected charges and/or disbursements and/or expenses deducted, where appropriate, and method of disposal of the funds.

c: 1. 付款通知

代收行必须毫不迟延地向对其发出托收指示的银行发出已收到付款的通知，说明已收妥的金额、扣除的手续费及/或支出及/或开支，以及资金的处理方法。

2. Advice of Acceptance

The collecting bank must send without delay advice of acceptance to the bank from which the collection instruction was received.

2. 承兑通知

代收行必须毫不迟延地对向其发出托收指示的银行发出已取得承兑的通知。

3. Advice of Non-payment and/or Non-Acceptance

3. 拒绝付款及/或拒绝承兑的通知

The presenting bank should endeavour to ascertain the reasons for non-payment and/or non-acceptance and advise accordingly, without delay, the bank from which it received the collection instruction.

提示行应当努力确定被拒绝付款及/或拒绝承兑原因，并毫不迟延地将有关结果通知向其发出托收指示的银行。

The presenting bank must send without delay advice of non-payment and/or advice of non-acceptance to the bank from which it received the collection instruction.

提示行必须向对其发出托收指示的银行毫不迟延地发出被拒绝付款的通知及/或被拒绝承兑的通知。

On receipt of such advice the remitting bank must give appropriate instruction as to the further handling of the documents. If such instructions are not received by the presenting bank within 60 days after its advice of non-payment and/or non-acceptance, the documents may be returned to the bank from which the collection instruction was received without any further responsibility on the party of the presenting bank.

收到上述通知后，托收行必须就单据的进一步处理作出适当的指示。如果提示行在作出被拒绝付款及/或被拒绝承兑通知后的六十日内没有收到此类指示，则可以将单据退回给向其发出托收指示的银行，不再承担进一步责任。