善意议付行拒绝退款纠纷案
泛亚电竞 wen/shenxiaoba bianji/hanyingtong
泛亚电竞 xinyongzhengqizhaliwaiyuanzesuiranduixinyongzhengdechouxiangdulixingzuochuleyouyidebuchong，yeshiduixinyongzhengjibenyuanzedetupo，jueduishiyonggaiyuanzejianghuidongyaoxinyongzhengdechouxiangdulixingyuanze，jinerjixinyongzhengzhidudeliangxingyunxingdailaibuliangdeyingxiang。jianyuci，“qizhaliwaideliwai”yuanzeyouduiqizhaliwaiyuanzejinxinglebuchong，yiweizhecunzaishanyidisanfangdeqingkuangxia，jishixinyongzhengcunzaiqizha，sifajiguanyebudejinzhiduixinyongzhengxiangxiadekuanxiangjinxingzhifu。
泛亚电竞 shanyiyifuzhengshi“liwaizhiliwai”deyileitedingqingxing，xinyongzhenggedangshifangxuzhenbieshanyidefalvfanchou，baohushanyichipiaorendeliyi。yifuxingzaishanyiyifudeqingkuangxia，buduikaizhengxingjufujieguochengdanzeren。
案例背景
2015nian11yue6ri，shouyirenbgongsixiangnyinxingtijiaoleyitaoyouiyinxingkailidexinyongzhengxiangxiadanju，jinewei182.179896wanmeiyuan，xinyongzhengweijiqiziyouyifuxinyongzheng，nyinxingzaishenhequantaodanjuxiangfuhou，anxinyongzhengyaoqiuxiangkaizhengxingjisongdanju，tongshigenjubgongsishenqingxuzuoleqixianwei30tiandequanerongziyewu。
11yue13ri，iyinxingfukuan，nyinxingshoudaokuanxianghouzhijieguihairongzi。
11yue14ri，iyinxingfalaibaowen，tichu“we are informed by icc-ccs that the b/l presented is fake”（fanyadianjingbeiicc-ccsgaozhitidanxiweizao）,yaoqiutuikuan。nxinglijilianxibgongsi，tongshifawengaozhiiyinxing，chenggaibiyewuyizaidanjuxiangfudeqingkuangxiabanliyifu，shouhuikuanyiguihairongzi。cihou，iyinxingrengfalaiduogebaowencuitaokuanxiang，haitongguozhuanhuixingxiangnxingshiya，zhizhi11yuedi，jinchukoushuangfangdachengyizhi，cuitaocaitingzhi，gaibiyewubijuan。
案例分析
泛亚电竞 1、genjuucp600di7tiaockuanguiding，“an issuing bank undertakes to reimburse a nominated bank that has honoured or negotiated a complying presentation and forwarded the documents to the issuing bank......an issuing bank’s undertaking to reimburse a nominated bank is independent of the issuing bank’s undertaking to the beneficiary.”（zhidingyinxingchengfuhuoyifuxiangfujiaodanbingjiangdanjuzhuanjikaizhengxingzhihou，kaizhengxingjichengdanchangfugaizhidingyinxingdezeren……kaizhengxingchangfuzhidingyinxingdezerenduliyukaizhengxingduishouyirendezeren。）benanzhongdezhidingyinxingnyinxingduixiangfujiaodanjinxingleyifu，duidanjubeihoudeshangyejiufenhaobuzhiqing，qirongzixingweibingwuxiaci，genjuxinyongzhengshiwuzhong“qizhaliwaideliwai”yuanze，kaizhengxingduiyijingshanyiyifudezhidingyinxingfuyouchengfuzeren，keyigouchengxinyongzhengdulixingdeliwai。yinci，jishiiyinxingshihoufaxiantidancunzaiwenti，nyinxingyimeiyoutuihaikuanxiangdeyiwu。
泛亚电竞 2、nyinxingjingyushouyirenlianxi，lejietidanbingfeiweizao，shihuodaichudefentidan，bingchengrentidandaoqian。shenqingrennadaofentidanhou，beituozhewufazhihuanzhutidan，suihuaiyitidanzhenshixing，yaoqiukaizhengxingjufu。yixingqihou，shenqingrendeyizhihuanzhutidan，shunlitihuo，cibituikuanjiufenhuashangjuhao。zainyinxingshoudaoiyinxingcuitaodianshi，cengyaoqiuiyinxingchushiicc-ccschujudetidanweizaodezhengming，weishoudaoxiangguanhuifu。buguanicc-ccsshifouzhendechujuletidanweizaodezhengming，kaizhengxingdezuofadouzhideshangque。qiyi，kaizhengxingtichutidanweizaoyizhishouyirenqizha，danqijufuliyou“the b/l presented is fake”guoyulongtong，shiwanquanchabudaocibianhaotidannihaishitidanshangbufenneirongyushijibufu，birutidandaoqian？buyourenhuaiyiicc-ccsshifouchujurucijianjiedezhengming？shishishang，cibitidanyebingfeiweizao。qier，qizhabixushixianshicunzaide、shizhixingde，jishenqingren、kaizhengxinghuozhidingrendailainanyimibudesunshi，erbingfeishiyibanxingdemaoyihetongjiufen，pandingshouyirendeqizhayingjubeizhuguandeqizhaxinliyijikeguandeqizhaxingwei，danpingtidandaoqianzheiyishishi，yinxingbingbunengjiandandipandingshouyirenshexianqizha，huoyoucibeiguanshang“weizao”dezuiming，cizhongliyingjiaoyoufayuanlaipanding。yihandeshi，kaizhengxingbudanmeiyouquanshuo，fanerqucongyushenqingrendeyali，xiezhuqizuochuleyoubeiyuxinyongzhengdulixingyuanzedejufu。
案例启示
泛亚电竞 shouxian，yinxingruhezunxunxinyongzhengsanyuanze，jichouxiangdulixingyuanze、qizhaliwaiyuanzeheqizhaliwaideliwaiyuanze？chouxiangdulixingyuanzeshiyinxingcongjichujiaoyizhongdulichulai，zhicongdanjubiaomianquedingshifoulvxingfukuanzeren，shixinyongzhengjiezhuyinxingxinyongchengweizuianquandejiesuanfangshi。qizhaliwaiyuanzeshiduidulixingyuanzedebiyaobuchong，shiyinxingweileyufangzhapianercaiqudeyixiangcuoshi，keyikanzuoshixinyongzhengdangshirenxiangfayuanxunqiudeyizhongsifajiuji，zhizaibaohuyinxingdehefaliyi。qizhaliwaideliwaiyuanzezebaohuleshanyidisanfangzaixinyongzhengjiaoyizhongdeheliliyi，shishanyidisanfangganyumairuxinyongzhengxiangxiadedanju。yinxingzuoweixinyongzhengdangshifang，yinglejieqizhadeshizhi，zhanzaigongzhengdelichangshangyunyongsandayuanze，weihuxinyongzhenggefangdangshirendezhengdangquanyi。benanzhongiyinxingweipeiheqikehu，wushiguojiguanli，yixinyongzhengfanchouzhiwaide“zhengju”zuochujufu，weibeixinyongzhengdulixingyuanze；qiduiqizhadepanduanpianyucaolvheqingxin，shiduiqizhaliwaiyuanzedewujie；zaixinyongzhengcunzaishanyidisanfangdeqingkuangxia，duiqirenweideqizhazaisanzhuitaokuanxiang，jiangzishenjuanrumaimaishuangfangdejichumaoyijiufendangzhong，weibeiqizhaliwaideliwaiyuanze，shiduizishenxinyudesunhai。
qici，heweishanyiyifuxing？tongchangxumanzusangetiaojian: yishiyinxingduiqizhabuzhiqing、weicanyubingjindaolehelijinshendezeren；ershidangshiyinxingbixushizhidingyinxing；sanshigaixingzaiyinghuochangfuzhiqianxiangshouyirenzhifuleduijia。shanyiyifuxingkeyiduikangqizhaliwaikangbian，yidanzhidingyinxingyifulexinyongzhengxiangxiaxiangfudanjubingjiangquantaodanjujizhikaizhengxing，zekaizhengxingdefukuanzerenjiangbuketuixie。benanzhongnyinxingmianduiiyinxingdelianxuzhuitaorengbiaoxiandanding，zhengshijiyuzheiyidian。
泛亚电竞 zuihou，lejienidekehu。guojimaoyizhong，maimaishuangfangyouyudili、wenhua、zhengzhi、jingji、falvhuanjingbutong，rongyifashengjiufenheqizhafengxian。yinxingyaolejiezijidekehu，zhuyimaoyibeijingzhenshixingshenchahefengxiantiaokuandebaguan，zuohaofengxiankongzhi。benanzhongbgongsishiyijianianchukouliangchaoyimeiyuandezhuanyewaimaogongsi，yunyinxingyiyouduonianhezuoguanxi，nyinxingshoudaoiyinxingjufudianhou，diyishijianlianxibgongsi，beigaozhitidanbingweiweizao。pingjieduoniandehezuoganjue，nyinxingcaixinlebgongsideshuofa，liyongguojiguanlijulilizheng，baohubgongsiliyi，iyinxingzizhilikui，zuizhongbudebufangqituikuanyaoqiu。
泛亚电竞 zuozhedanwei: zhongguogongshangyinxingningboshifenxingguojiyewubu
