3.及时认真处理每一份国外银行函电[案例> 某三资企业要求开证行开立一张保兑信用证,金额为USD291,920.00,期限为60 DAYS AFTER B/L DATE,通知行同意保兑L/C,但前提条件是开证行必须向保兑行发加押电,内容如下:
①DRAFTS TO BE DRAWN ON 保兑行
②THE ABOVE L/C TO AVAILABLE WITH 保兑行
③WE AUTHORIZE YOU TO DEBIT OUR A/C WITH YOU UNDER YOUR SEIFT ADVICE TO US THREE DAYS BEFORE THE VALUE DATE.BUT YOU MUST PROVIDE THAT ALL RELATIVE DOCUMENTS ARE STRICTLY IN CONFORMITY WITH THE TERMS AND CONDITIONS OF THE L/C.
后该证经保兑行保兑，交单,开证行按时向保兑行发出承兑电,付款到期日为2003年9月9日。2003年9月5日保兑行向开证行致电，内容如下：PLEASE BE ADVISED THAT ON 030909 WE WILL DEBIT YOUR ACCOUNT WITH US IN THE AMOUNT OF 40665.35 WHICH REPRESENTS THE AMOUNT DUE TO US ON THE ABOVE MENTIONED MATURING BANKERS ACCEPTANCE.THIS ADVICE IS SENT TO YOU IN ACCORDANCE WITH YOUR INITIAL REPAYMENT INSTRUCTIONS.开证行结算处人员收到此函电误以为是一般的催款电,故未作处理而放入案卷,并在9月9日又对外发出付款电。这样，保兑行主动借记开证行一笔帐，开证行又主动对外付款一次，一笔业务，两次付款，犯了进口业务中的大忌。
上述案例给人以深刻的教训，从事进出口业务的结算人员，对每一份函电每一份单据都必须认真查阅，及时处理，应时时记住：在办理业务中，你瞬间的不经意很可能会铸成无法挽回的大错。
