AE Pagamentos Internacionais 4 9 14

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Nome da disciplina: PAGAMENTOS INTERNACIONAIS (ONLINE (EAD)
Código da disciplina: GST0622
ATIVIDADE ESTRUTURADA 1
Objetivo: Analisar uma Carta de Crédito Documentária
Competências/habilidades: 
Capacidade de aplicação da teoria aprendida nas aulas na análise de uma carta de crédito.
Aproximar o aluno do método de aprendizado “Learning by Doing”.
Criar no discente a necessidade de desenvolver sua análise crítica.
Desenvolvimento: A atividade estruturada da disciplina “Pagamentos Internacionais” consiste em:
O aluno deve ler, entender e criticar a Carta de Crédito de acordo com o roteiro apresentado. Se necessário utilizar como apoio a bibliografia apresentada na disciplina.
CARTA DE CRÉDITO (Letter of Credit – L/C)- EXPORTAÇÃO.
Os créditos documentários de exportação ou importação possuem a mesma estrutura, emitidas em qualquer país. O diferencial são as exigências particulares do importador ou do Banco Emitente, obedecendo aos costumes comerciais ou legislação interna do país.
Modelo de carta de crédito na exportação, transmitida pelo Banco Emitente ao Banco Avisador:
ISSUE DATE 26TH April 2014
From Issuing Bank Habib Bank AG/Dubai - UAE
To Banco Brasileiro de Descontos S.A 
Pça. Pio Dez, 98-A Rio de Janeiro – Brazil
Please add your confirmation at beneficiaries cost
Irrevocable Documentary Credit nº CT 4669 Unrestricted
Date and place expiry 15th August 2000 in Brazil.
Applicant: M/S Asiatic Engineering Est.
PO Box nº 110921 Dubai – UAE0.
Beneficiary: M/S Dopus S/A
Rua Santo Antonio, 82 Rio de Janeiro, Brazil
Amount: ABT US$ 75,600.00 CFR Dubai.
Credit Available with any bank by negotiation against presentation of the documents detailed herein and marked with “X”.
Your draft at Sight drawn on Openers and marked “Drawn under Habib Bank AG/Dubai - UAE” L/C nº CT 4669
Partial shipment: Allowed ( x ) Not Allowed ( )
Transshipment: Allowed ( ) Not Allowed ( x )
Parcel Shipment: Allowed ( ) Not Allowed ( )
Shipment from Any Brazilian Port to Dubai port by Conference line/Regular Vessel only until 30th July 2014
( x ) Signed invoice quintuplicate in the name of Openers certifying merchandise to be Brazilian origin.
( x ) Full set of clean “shipped on board” ocean Bills of Lading drawn or endorsed to the order of Habib Bank AG marked notify openers and showing freight prepaid mentioning vessel’s shipping agent in Dubai.
( x ) Insurance covered by openers. All shipments under this documentary credit must be advised by you before shipment directly to United Insurance Co. Ltd, P.O Box 1888, Dubai, UAE and to the openers referring to Open Policy/Cover Note nº UD/OP10-88 giving full details of shipments. A copy of this advice and the postal registration receipts to accompany the original set documents to negotiation.
( x ) Packing List/Weight List in five copies
( x ) Inspection certificate of weight and analysis issued by independent 
 internationally recognized surveyor and original and 2 copies.
( x ) Certificate of Origin from Chamber of Commerce dully attested by any UAE embassy or consulate or any Arab embassy or consulate in the absence of UAE embassy or consulate in beneficiary’s jurisdiction. Except Egyptian embassy/consulate.
 ( x ) A certificate from the stearnship owner/agent stating that the carrying vessel is not of the Israeli owned vessel and is not scheduled to call at any Israeli port on route to its destination (this is not required if shipment is effected by United Arab shipping company’s vessels).
Negotiation under reserve strictly not allowed.
All bank charges recording fee and commission abroad are for beneficiaries account.
Documents to be presented within 15 days after the date of issuance of the shipping documents but within the validity of the credit.
Covering: ABT 500 mt Steel Plates to SAE-1008 -36size.
Shipping Marks: Asiatic/inch/Dubai.
Additional clause as per attached sheet which forms of the integral part of this LC.
We hereby issue this documentary credit in your favor. It is subject to the Uniform Customs and Practice for Documentary Credits (1994 revision) International Chamber of Commerce - Paris, France, Publication nº 500.
We hereby agree with beneficiary that if compliance with the terms of this credit that the same will be honoured on duly presentation.
Reimbursement Instructions: The Negotiating Bank is required to forward all negotiated drafts and documents drawn under this credit direct to us by courier service in one lot, certifying that all terms and conditions of the letter of credit have been complied with by beneficiary, claiming reimbursement from us. On receipt of such fully complied documents at our counters, reimbursement payment will be remitted as per your instructions to your designate a/c in New York - USA.
Special instruction:
1. Shipment to be effected by first class regular liner vessel only and evidence to the effected should accompany the original shipping documents.
2. Shipment on deck or tramp/time charted vessels not allowed.
3. Chartered party bill of lading not acceptable.
4. The bill of lading must be signed by the master of the vessels or his authorized agent.
5. The bill of lading to show the name, address and telephone/fax number of shipping agent in Dubai.
6. Bill of lading showing “Shipper’s load and count” not acceptable.
7. One full set nom negotiable documents to be sent to the credit opener immediately after shipment by registered air mail and original documents to the include original postal receipt.
8. Inspection/test certificate from the supplier showing the technical specification of the material and the test carried out to confirm the quality material, to be enclosed.
9. Approval of the vessel should be obtained by telex from the credit opener prior to shipment and the original telex approval should accompany the documents presented for the Negotiating Bank (telex number 45698 Asiatic EMI).
10. Documents drawn under this LC show a deduction of us US$ 650/= towards special discount.
Yours Faithfully.
For Habib Bank AG
Mohammed Taurib Butt
P.H nº 432
COMENTÁRIO
Analisando a carta de crédito acima, pode-se concluir que a empresa que deseje participar do mercado internacional deve ter extremo cuidado para lidar com este tipo de documento, representa o pagamento, divisas, embora respeitando todas as suas exigências. 
Roteiro para análise da carta de crédito
Esta carta de crédito não está confirmada. Quem deve fazer a confirmação? 	Quem assume as despesas bancárias da confirmação? 
Qual o significado do termo “Unrestricted”? 
O texto da carta (relação de documentos exigidos) faz referência ao seguro. Quais as exigências solicitadas? 
O texto da carta faz menção ao certificado de origem. Quais as exigências solicitadas?
As mercadorias devem ser inspecionadas antes do embarque. Quem deve fazer esta inspeção? 
	Quais as exigências relacionadas à rota do navio? 
O exportador tem 15 dias de prazo para a negociação documental, contados a partir da data do embarque. Se antecipar o embarque o que acontece com a negociação? Pode ser postergado o embarque? 
A carta de crédito permite tolerâncias de quantidade e valor?
A carta de crédito faz exigências com relação ao navio a ser utilizado no transporte do produto?
Nas exigências especiais, o ponto 9 é inaceitável. Por quê? Qual a solução a propor pelo exportador? Justifique a sua proposta.
Carga horária atribuída: 44 hs
Produto/resultado: O aluno deverá produzir um trabalho impresso, respondendo a todas as questões que fazem parte da atividade, segundo as normas para trabalhos acadêmicos da Universidade Estácio de Sá, utilizando a bibliografia da disciplina, se necessário.