{"scenario":{"id":"lc-import-cif","title_cn":"信用证进口 · CIF 海运","title_en":"L/C import under CIF ocean shipment","summary_zh":"从采购合同、开证、备货装运、交单审单到进口清关，串联条款、单证、规则和风险信号。","trade_mode":"进口采购","incoterm":"CIF","payment":"L/C at sight","steps":[{"id":"contract-baseline","phase_no":1,"phase_cn":"合同基线","phase_en":"Contract baseline","decision_zh":"先把货物、价格、贸易术语、装运期和付款工具固化为可校验字段。","contract_refs":["1.1","2.1","3.1","3.2","4.1","5.1"],"contract_fields":["parties","product.description","quantity.amount","price.incoterm","payment.method"],"document_codes":["PO","LC","INV"],"rule_ids":["CISG_14","INCOTERM_CIF_RISK"],"data_checks":["合同号、买卖双方名称、币种金额必须成为后续单证共同引用","Incoterms 须写明版本、地点和费用边界"],"risk_signals":[{"id":"incoterm-place-missing","level":"blocker","title":"贸易术语地点缺失","check_zh":"CIF 只写术语不写目的港，无法稳定判断费用边界和保险区间。"},{"id":"goods-description-drift","level":"review","title":"货描后续漂移","check_zh":"合同、信用证、发票、提单的品名规格需要保持表面一致。"}],"control_actions":["生成合同字段清单","锁定单证共同引用号","把 CIF 地点写入开证申请"]},{"id":"lc-issuance","phase_no":2,"phase_cn":"开证与单据条件","phase_en":"L/C issuance","decision_zh":"把合同约定转换为银行可审的单据清单、最迟装运日和交单期限。","contract_refs":["3.2","4.1","4.2","6.1","6.2"],"contract_fields":["payment.terms","shipment.shipment_period","certification","packing"],"document_codes":["LC","INV","PL","BoL","CID","CoO"],"rule_ids":["UCP600_ART14","UCP600_ART18","ISBP"],"data_checks":["46A 单据清单与合同 6.1 对齐","43P/43T 与分批、转运约定一致","31D、44C 与装运期和交单期限一致"],"risk_signals":[{"id":"non-documentary-condition","level":"blocker","title":"非单据化条件","check_zh":"信用证条件如果无法通过单据表面证明，银行审单会出现可执行性争议。"},{"id":"soft-clause","level":"review","title":"软条款","check_zh":"需警惕由买方或开证行单方控制的生效或装运前条件。"}],"control_actions":["把 L/C 条件拆成单证、日期、金额、港口、签发人","将无法单据化的条件改写为合同义务或附件"]},{"id":"document-production","phase_no":3,"phase_cn":"制单与字段一致性","phase_en":"Document production","decision_zh":"围绕发票、箱单、提单和保险单核对金额、件数、毛重、装卸港和运输区间。","contract_refs":["2.1","2.2","3.1","4.1","6.1"],"contract_fields":["price.currency","price.total_value","packing","shipment.loading_port","shipment.discharge_port"],"document_codes":["INV","PL","BoL","CID"],"rule_ids":["CISG_30","UCP600_ART18","INCOTERM_CIF_RISK"],"data_checks":["INV 金额、币种、买卖方与 LC 一致","PL 件数、毛重、唛头与 BoL 一致","CID 保险区间与 CIF 目的港一致"],"risk_signals":[{"id":"invoice-overdrawn","level":"blocker","title":"发票金额超证","check_zh":"发票金额超过信用证金额或容差，可能构成拒付点。"},{"id":"weight-mark-mismatch","level":"review","title":"件重唛头不一致","check_zh":"箱单、提单、发票之间的件数、重量、唛头不一致会影响审单和提货。"}],"control_actions":["先按 LC 生成单据字段矩阵","用 KTDDE 必填项核验每张单证","标记跨单证一致性字段"]},{"id":"shipment-risk","phase_no":4,"phase_cn":"装运与风险转移","phase_en":"Shipment and risk transfer","decision_zh":"用提单装船批注、装船日和保险凭证确认风险节点与索赔路径。","contract_refs":["4.1","5.1","6.1"],"contract_fields":["shipment.loading_port","shipment.discharge_port","shipment.shipment_period","risk_control.incoterm"],"document_codes":["BoL","CID","PL"],"rule_ids":["CISG_67","INCOTERM_CIF_RISK"],"data_checks":["BoL on-board date 不晚于 LC latest shipment","承运人、装港、卸港与合同和保险单一致"],"risk_signals":[{"id":"late-shipment","level":"blocker","title":"迟装运","check_zh":"提单装船日晚于信用证最迟装运日，通常是高风险不符点。"},{"id":"insurance-gap","level":"review","title":"保险覆盖缺口","check_zh":"保险金额、险别或运输区间不足，CIF 下可能引发卖方履约争议。"}],"control_actions":["核对装船日、船名航次、港口","检查保险金额和赔付地点","保留承运人电子记录"]},{"id":"presentation-review","phase_no":5,"phase_cn":"交单与审单","phase_en":"Presentation and examination","decision_zh":"银行只看单据表面是否相符；业务侧要提前把单据、规则和不符点列表对齐。","contract_refs":["3.2","6.1","6.2"],"contract_fields":["payment.terms","certification","shipment.shipment_period"],"document_codes":["LC","INV","PL","BoL","CID","BoE"],"rule_ids":["UCP600_ART14","UCP600_ART16","ISBP"],"data_checks":["交单期限未过","所有单据签发人、抬头、日期、编号满足 LC","汇票金额与发票金额一致"],"risk_signals":[{"id":"late-presentation","level":"blocker","title":"迟交单","check_zh":"超过信用证约定交单期或 UCP 框架下的期限，可能直接拒付。"},{"id":"applicant-beneficiary-mismatch","level":"review","title":"抬头不一致","check_zh":"申请人、受益人、收货人、通知方在不同单据上不一致，需要有规则依据或信用证授权。"}],"control_actions":["生成不符点预审清单","把每个拒付风险映射到具体单据和字段","保留修改轨迹"]},{"id":"customs-compliance","phase_no":6,"phase_cn":"清关与合规信号","phase_en":"Customs and compliance","decision_zh":"进口清关阶段把 HS、原产地、成交方式、监管条件与单证字段再次对齐。","contract_refs":["2.1","3.1","6.1"],"contract_fields":["product.hs_code","product.origin","price.incoterm","price.total_value"],"document_codes":["CD","INV","BoL","PL","CoO"],"rule_ids":["CUSTOMS_VALUATION","ORIGIN_PREFERENCE","HS_CLASSIFICATION"],"data_checks":["HS 编码与品名规格一致","原产地证与发票原产国声明一致","成交方式与运保费分摊一致"],"risk_signals":[{"id":"hs-origin-conflict","level":"blocker","title":"HS 与原产地冲突","check_zh":"税则归类、优惠原产地和监管条件不一致会引发补税或查验。"},{"id":"customs-value-gap","level":"review","title":"完税价格口径差异","check_zh":"CIF、FOB 等成交方式下运保费处理不同，需与发票、提单、保险单一致。"}],"control_actions":["进入 HS 查询和监管条件核验","生成报关前字段核验清单","保存原产地和估价依据"]}]},"summaries":[{"id":"lc-import-cif","title_cn":"信用证进口 · CIF 海运","trade_mode":"进口采购","incoterm":"CIF","payment":"L/C at sight","step_count":6,"document_count":9,"risk_signal_count":12}],"stats":{"steps":6,"documents":9,"rules":11,"contract_refs":10,"blocker_signals":6},"generated_at":"2026-06-06T03:26:35.107Z"}