不可撤销信用证遇到欺诈怎么办？

       修改信用证是无需征求出口方的同意的，但某些关键条款不能修改，比如信用证是否可撤销等。 
Modifying the letter of credit is is no need to agree with exporter, but there are some key terms that cannot be modified, such as whether the credit can be revoked or not. 
 
       而不可撤销信用证即使在征得对方同意的情况下还是不能撤销的。 
Even if the irrevocable LC get exporter’s consent, it is still not revoked. 
 
       需要记住一点，没有完全相符的单证，因此如果想拒付，设法找出实质性的不符点，那些吹毛求疵的就算了，比如逗号写成句号了，这个在严格意义上不能作为拒付的理由。 
Do remember that there is no exact match documents. So if you want to refuse to pay, try to find the substantive discrepancies. But some picky points can not be the dishonor reason, such as misusing a comma. 
       信用证贸易中，理论上来讲银行只负责审核单证的正确性，只要单单相符单证相符，银行就会付款. 
In credit trade,bank is only responsible to check the correctness of the documents theoretically. As long as documents are in conformity with the credit,the bank will pay. 
 
    所谓议付，是指出口商将全套单据提交议付银行，银行审单无误，按条款规定将信用证金额先行支付给出口商，同时将此套单据提交开证行，若有索偿条款，可以在开证行提出索偿要求之后向出口方再行索偿。国内银行为出口商所做的大多都不是真正意义上的议付，而是托收，也就是要等开证行支付了信用证金额后才付款，而不是先行垫付的。 
The negotiated payment refers to that the exporter submitts the full documents to negotiating bank and pass the checking. Then the negotiating bank pays the exporter in advance according to the amount of the credit, and submitts the set of documents to the issuing bank. If there is the claim terms, it can claim after issuing bank claims to the exporter. What the domestic banks mostly do for exporters is not negotiable in the true sense, but the collection, which means to pay after the issuing bank paying the amount of the credit, rather than paid in advance. 
 
       如果你们在订立合同之初确定了以信用证为支付方式的条款，那么出口商向开证行提交了所有证件和单据符合付款条件的，即单证无不符点的，开证行不能拒付。 
If you sign a contract and determine the letter of credit as the payment terms, then the issuing bank can not refuse to pay if the exporter submitted the full set documents to the issuing bank with no discrepancies in the documents and conform to all requirement. The issuing bank can not refuse to pay. 
 
       如果开证行在审证时，发现提交的单据有不符点的可以拒付。 
When the issuing banks check, if they found the submitted documents with the discrepancies, they can refuse to pay. 
 
       当你向出口商开出信用证时，你和对方就要进行一项重要的任务——审核信用证。双方比照签订的合同，对其中的每个条款要仔细审阅，双方要对每个条款达到最终一致。 
When you open a LC to the exporters, you would carry out an important task - audit the LC. You both should inspect the contract terms and carefully review each final terms. Both sides should reach a final agreement on each term. 
 
       一旦审证完毕，即你方已默认信用证有效，在有效期内就不得修改和撤销信用证。 
Once you completed the trial, it means that your LC is valid, and you can not revise or revoke the LC within the validity period. 
 
       但是，如进口商怀疑出口商恶意欺诈，根据案例，是可以向所在国法院申请紧急冻结令，要求开证行拒付，避免资金损失。应该是在一定期限内，须拿出有效证据，否则还是要解冻的。这一块具体应咨询法律人士。 
However, if an importer suspect the exporters as malicious fraud, according to the case, the importer can apply the host country's court for an emergency freeze, and require the issuing bank refuse to pay, avoiding the financial losses. And the importer should hand out valid evidence within a certain period, or the it will be thawed. You can consult the specific legal persons. 
 
       两个方法： 
There are two methods 
 
       1.通知客户改信用证，改通知行到你们指定的银行； 
1 Inform customers to change the LC and change the notifying bank to your designated bank; 
 
       2.不改信用证，交单到当地工行。 
2 Not change the letter of credit and surrender documents to the local ICBC.