Page 176 - 進出口貿易與押匯實務疑難問題解析-首篇 (增修訂二版)

160 進出口貿易與押匯實務疑難問題解析 (首篇)

意譯如下：
開狀銀行於信用狀上規定：“Insurance for 110% invoice value”應是要求一

最低保險金額而非完全相等之金額，倘開狀銀行擬要求一完全相等之百分比
或金額，應明確的表示。

二、背書 (Endorsement) 係有價證券的持有人，將證券權利轉讓予他人時，

於證券背面簽名表示同意轉讓之謂也，有關保險單據是否需要銀行背

書，首先要確認銀行是否擁有保險之利益，其次是否要把權利轉讓，國
際商會亦有類似見解，茲摘錄如後：
“You do not state to whom the insurance certificate was made out. If the

beneficiary endorsed the document, the inference is that it was made to his order. A

negotiating bank would only need to endorse the insurance document if it was made
the insured party by way of issuance of the document or by virtue of the

endorsement of the beneficiary.＂(－摘錄自 Queries answered by the Banking
Commission ICC DCI Vol.6 No.4 Oct-Dec. 2000)

意譯如下：
通常無須確認保險單據指名之保險受益人，倘保險單據由受益人背書，

則可推定保險單據指名簽發予受益人，押匯銀行是否須在保險單據上背書。
必須已取得保險利益下──保險單據指名押匯銀行為被保險人，或受益人以

背書方式轉讓保險利益給押匯銀行時，才必須要押匯銀行背書。