一信用状规定40%之信用状金额於装运日后40日后付款，60%则於装运日后90日后付款，信用状经由进口国之指定银行(未加保兑)通知并加注：
“We may honour your test telex/SWIFT claims value3 working days after receipt stating that fully compliant documents have been sent direct to the issing bank in accordance with the instructions detailed in the letter of credit. Your claims must be sent to us at the same time that documents are taken up.”，其中40%
之金额已获指定银行付款，但其余60%在到期日时，开状银行以「货物有缺陷，经申请人指示该信用状已取消。」而不付款，相关问题如下：
1.开状银行可否以货物品质不符为理由，片面取消信用状之付款？
2.指定银行已付40%之款项，在开状银行取消剩余款项之情况下，指定银行可否拒绝支付剩余之60%之信用状之款项？
3.倘开状银行无权取消信用状之付款，则谁应负责支付信用状剩余未付之款项？
“We may honour your test telex/SWIFT claims value3 working days after receipt stating that fully compliant documents have been sent direct to the issing bank in accordance with the instructions detailed in the letter of credit. Your claims must be sent to us at the same time that documents are taken up.”，其中40%
之金额已获指定银行付款，但其余60%在到期日时，开状银行以「货物有缺陷，经申请人指示该信用状已取消。」而不付款，相关问题如下：
1.开状银行可否以货物品质不符为理由，片面取消信用状之付款？
2.指定银行已付40%之款项，在开状银行取消剩余款项之情况下，指定银行可否拒绝支付剩余之60%之信用状之款项？
3.倘开状银行无权取消信用状之付款，则谁应负责支付信用状剩余未付之款项？
