外贸信用证规定的保险金额为发票金额的110%，保单上的金额可以高于该比例吗？ -j9九游会官网

信用证规定的保险金额为发票金额的110%，保单上的金额可以高于该比例吗？或者说，110%是一个确切的比例吗？

icc意见

国际商会银行委员会在r195 （issue 2）中表示：

the credit called for an "insurance policy/certificate in (3) copies...for (110)", which means that the insurance document had to indicate an insurance cover for the cif value of the goods plus 10 per cent. due to the circumstances, the beneficiary did not present an insurance document covering exactly 110 per cent of the cif value of the goods. the insurance document presented was issued for 111.17 per cent. in this way, the credit stipulated a fixed percentage which excludes any minimum or maximum percentages. claiming a discreoancy was justified.
受益人没有提交保险金额确切为cif价110%的保险单据，保险单据的实际比例为111.17%。信用证规定了一个固定的百分比，如此则排除了任何最低或最高比例。不符点成立。

国际商会银行委员会在r468 中的结论：

the inclusion in an l/c of a term such as "insurance for 110% invoice value" is a bank's way of trying to mirror the ucp requirement of 110%. however, it has not always been translated as such. consistent with the ucp construction, banks that issue credits with such a clause generally are looking for a minimum coverage rather than an exact one. if a bank requires the insurance document to be issued for exactly x% or x amount or words to similar effect, then the credit must expressly state this requirement. this opinion overrides issue 2 of query r195 which appears in icc publication no. 565.

信用证中含有诸如“投保金额为发票金额110%”此类条款，是银行试图照搬ucp中关于110%的要求。但又并不全是这个意思，开立此类信用证的银行通常是为了寻求最低投保金额而不是一个精确的数字。如果银行要求保险单据投保金额为一个精确的比例或数字或类似的表达方式，信用证应该明确提出要求。此意见取代国际商会第565号出版物中编号为r195号质疑中问题2的意见。

点评
cif/cip术语下，系卖方为买方的利益而办理保险，在当事人没有明确约定保险金额或比例的情况下，贸易实践中逐渐确定了一个加保10%的经验比例（涵盖买方的其他交易成本及预期利润），反映在各版本的incoterms规则中，ucp规则沿袭了同样的保险比例。

就银行审单而言，除非信用证有相反规定，规则规定或信用证约定的保险加成比例是一个下限，且没有上限。

ucp600第28(f)(ii)条: if there is no indication in the credit of the insurance coverage required, the amount of insurance coverage must be at least 110% of the cif or cip value of the goods. （如果信用证对投保金额未作规定，投保金额须至少为货物的cif或cip价格的110%。）

isbp745第k12段：when a credit does not indicate an amount to be insured, an insurance document is to be issued in the currency of the credit and, as a minimum, for the amount indicated under ucp 600 sub-article 28 (f) (ii). there is no maximum percentage of insurance coverage.（如果信用证未规定保险金额，则保险单据须以信用证的币别、最低按照ucp600第28(f)(ii)条规定的金额出具。对保险金额的最高比例没有限制。）