[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$VPb55unkt5":3},{"id":4,"authorId":5,"author":6,"title":7,"status":8,"failedReason":9,"offlineReason":9,"type":10,"picture":11,"submitTime":12,"publishTime":13,"seoTitle":14,"seoKeywords":15,"seoDescription":16,"seoKeywordsList":9,"workOrderNo":17,"source":8,"moreInfo":18,"sourceName":19,"reviewer":20,"description":21,"content":22,"showPv":23,"pv":24,"great":25,"collection":25,"comment":25,"remark":9,"topicIdList":9,"firstTagIdList":9,"secondTagIdList":9,"tagNameList":9,"isGreat":26,"isCollection":26,"orgAccountInfoBO":27,"topicList":35,"firstTagList":44,"secondTagList":45,"lockUser":9,"articleModeType":9,"originContent":9,"aiRewriteContent":9,"commentCount":9},"3634268","59485","瑞安市国际商会","提醒 | 孟加拉国信用证不再“兜底”付款？新规虽被误读，但风险不容忽视",2,null,1,"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002Fdb411c05-aa85-4e03-a51d-3496700fa3e2.png","2025-08-09 12:36:48","2025-08-07 17:54:48","提醒 | 孟加拉国信用证不再“兜底”付款？新规虽被误读，但风险不容忽视- 大数跨境","","近日，一篇题为《孟加拉央行新规解析：银行不再“兜底”付款，中国出口企业需警惕风险》的自媒体文章在外贸","11202508091236488950","{\"url\": \"https:\u002F\u002Fmp.weixin.qq.com\u002Fs\u002FaTxAKK6QyBAS6Ml4UQCXFg\", \"author\": \"瑞安市国际商会\", \"publishTime\": \"2025-08-07 17:54:48\"}","【瑞安市国际商会】公众号","system","信用证制度虽未改变，但风险意识必须前置，风控工具务必用足。唯有如此，中国外贸企业方能行稳致远。","\n\u003Ch1>孟加拉央行新规误读风波：信用证“兜底”未变，企业风控仍需加强\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fh1>\n\u003Ch2>针对非信用证进口业务的政策澄清被误读，传统信用证制度未受影响\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fh2>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002F9b63eca7-8a85-4c12-99b7-69e55809366a.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" >\n\u003Cp>近日，一篇题为《孟加拉央行新规解析：银行不再“兜底”付款，中国出口企业需警惕风险》的自媒体文章在外贸圈引发热议。该文援引印度媒体信息，称孟加拉央行（BB）要求商业银行在部分进口业务中“无需承担付款相关的财务责任”，并据此推断孟加拉国银行系统将不再为信用证（LC）“兜底”。消息经多渠道传播后，引发部分出口企业的担忧甚至业务调整\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fp>\n\u003Cp>\u003Cbr>\u003C\u002Fp>\n\u003Cp>经核查，该解读存在对孟加拉央行政策的关键性误读。事实真相如何？中国出口企业真正应关注的风险点是什么？\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fp>\n\u003Cp>\u003Cbr>\u003C\u002Fp>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002F0aba4920-54b3-4518-a632-d50633d3c2fe.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" >\n\u003Cp>\u003Cbr>\u003C\u002Fp>\n\u003Cstrong>1 涉及两份央行通告：\u003C\u002Fstrong>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002F6a626f64-dcb8-4e23-819f-d2b0783532a2.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" >\n\u003Cp>所谓“央行新规”实为孟加拉央行外汇政策部于2025年6月24日发布的第23号通告（FE Circular No.23\u002F2025），其本质是对2024年10月24日发布的第24号通告（FE Circular No.24\u002F2024）的补充与澄清，聚焦于“非信用证进口业务”范畴\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fp>\n\u003Cstrong>2 24年通告允许“非信用证”业务：\u003C\u002Fstrong>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002F5c4feb44-a9f0-4305-bdb8-1e349ecc02cf.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" >\n\u003Cp>此前，孟加拉国要求进口必须通过不可撤销信用证操作。2024年通告放宽政策，允许工业企业凭购销合同进口（无需信用证），商业企业可在年度限额内采用该方式，特殊经济区企业明确适用此政策，并配套短期进口融资便利。其中第1(c)(iv)条规定，若进口商存在逾期未付的赊销货款，不得办理新业务\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fp>\n\u003Cstrong>3 24年通告执行中的担忧：\u003C\u002Fstrong>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002Fe846f1bc-e3dc-4c7a-b2ed-e33f7c8832ff.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" >\n\u003Cp>在执行过程中，部分商业银行对条款理解偏差，误认为需承担购销合同项下的付款责任，因而拒绝处理非信用证进口业务，影响政策落地\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fp>\n\u003Cstrong>4 2025年通告的澄清：\u003C\u002Fstrong>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002Ff504e760-d645-426a-bcb5-89039e214f06.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" >\n\u003Cp>为解决执行偏差，2025年第23号通告明确：商业银行在处理此类非信用证购销合同进口业务时，仅作为操作中介，须从进口商自有资金账户完成支付，不承担其付款风险。若进口商存在历史违约记录，银行应拒绝办理新业务\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fp>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002Fcc0277e4-5fc8-4d28-8a4a-8f88aa4fd8e8.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" >\n\u003Cp>\u003Cstrong>关键结论：\u003C\u002Fstrong>两份通告均未涉及传统“不可撤销信用证（LC）”或银行保函制度的任何变更。自媒体文章将针对“非信用证业务”的操作规范澄清，误读为“银行不再为信用证兜底”，属严重误导\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fp>\n\u003Cp>\u003Cbr>\u003C\u002Fp>\n\u003Cp>此次风波为外贸企业敲响警钟：在开拓孟加拉等新兴市场过程中，必须穿透信息迷雾，准确理解政策本意。尽管信用证制度未变，但银行体系的固有脆弱性风险依然存在。企业应强化风险前置意识，充分运用信用保险等风控工具，确保交易安全与经营稳健\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fp>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002Ff0cfb9fa-9fa9-4662-8f5f-0117e84e1433.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" >\n\u003Cp>\u003Cspan>来源：浙江贸促综合整理自中国信保国别风险研究中心、区域国别研究院\u003Cref>[k]\u003C\u002Fref>\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cp>\u003Cbr>\u003C\u002Fp>\n\u003Cimg src=\"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250809\u002Fa91f3161-4d47-484a-80e8-bfd353d6409e.png?x-oss-process=style\u002Fwmlogo\" loading=\"lazy\" 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