Dalam praktik dapat terjadi presentasi dokumen persyaratan Letter of Credit tidak sesuai dengan persyaratan (discrepant). Sangat penting bagi bank untuk mengambil langkah tepat dalam memutuskan apakah menerima atau menolak dokumen persyaratan Letter of Credit yang meyimpang tersebut. Penelitian ini membahas mengenai langkah-langkah yang dapat diambil oleh bank sebelum memutuskan apakah menolak atau menerima dokumen persyaratan Letter of Credit menyimpang sesuai dengan prinsip kehati-hatian bank (prudential principle) berdasarkan Uniform Customs and Practice for Documentary Credit ICC Publication No. 600 (UCP 600). Dalam penelitian ini, Penulis melihat dari dua sudut pandang bank, yaitu dari sudut pandang nominated bank dan issuing bank. Penelitian ini bertujuan agar bank, baik nominated bank maupun issuing bank dapat meminimalisasi risiko dalam melakukan pembayaran dokumen Letter of Credit yang menyimpang, seperti risiko hukum berupa gugatan pengadilan atau risiko tiada penggantian pembayaran (non-reimbursement) dari pihak terkait. Nominated bank dapat meminta otorisasi pembayaran dari issuing bank dalam hal terjadi penyimpangan dokumen. Sementara itu, issuing bank dapat meminta persetujuan penyimpangan dokumen (waiver) dari applicant dalam hal dokumen persyaratan yang dipresentasikan tidak sesuai.

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In practice, Letter of Credit presentation documents do not comply with the requirements established in the Letter of Credit. It is quite important for banks to take a proper action in determining whether to receive or to refuse those discrepant documents. This research discusses correct measures a bank could perform before deciding to take up or refuse the discrepant Letter of Credit documents. Those measures must conforms Uniform Customs and Practice for Documentary Credit ICC Publication No.600 (UCP 600) provided that Letter of Credit states conform UCP 600. This research analyses from two different points of view, nominated bank and issuing bank. Nominated bank and issuing bank must undertake prudential action in honouring discrepant Letter of Credit documents in order to prevent or at least minimize legal risk such as lawsuit or non-reimbursement risk from related parties. Nominated bank could request a payment authorization from issuing bank. Issuing bank can request a waiver from applicant on discrepant documents to pay the beneficiary.