Mr. Old Man có nghiện Facebook không? Tính sơ sơ 3 tháng đầu năm 2026, Mr. Old Man đã “xả kho” hơn 130 posts – con số nghe qua là đủ khiến nhiều người lắc đầu: Ông này chắc nghiện Facebook nặng rồi! Ừ thì… nói rứa cũng không sai. Nhưng … cũng hơi oan cho Mr. Old Man chút xíu Không sai – vì đúng là … Read More
Forged Documents in LCs – Rare, but Unforgettable After many years working with Letters of Credit, I have come to a rather uncomfortable truth: Most of the time, things run smoothly. But the moment a set of documents starts to feel “off”, your heartbeat changes. And when the question arises — “What if the documents are forged?” — it is no longer a theoretical exercise. It becomes a … Read More
Chứng từ giả mạo – chuyện hiếm, nhưng đã gặp là nhớ cả đời Làm nghề Letter of Credit (LC) lâu rồi, Mr. Old Man rút ra một điều khá… chua mà thật: Phần lớn thời gian, mọi thứ trôi êm như nước sông Hàn. Nhưng chỉ cần một bộ chứng từ “có mùi”… là tim bắt đầu đập theo nhịp khác. Và khi câu hỏi “chứng từ giả mạo thì xử lý sao?” … Read More
Returning to Nồi Rang Market A few days ago, Mr. Old Man found his way back to Nồi Rang Market—a rural market bearing a simple, rustic name that has existed for centuries. This time, he brought along a special gift. A large, carefully framed photograph—of the bánh xèo lady (a vendor selling crispy Vietnamese savory pancakes), who, six years ago, had quietly stepped into his … Read More
The Bánh Xèo Lady of Nồi Rang Market Many years ago, when Mr. Old Man was still strong enough to cycle from mountains to sea, wandering through rural landscapes in search of simple yet meaningful things, Nồi Rang Market was one of those memorable stops. That journey later became an article titled “Discovering Rural Charm: Cycling to Nồi Rang Market”, published on Mr. Old Man’s blog. (For those … Read More
Forged Documents under LCs: Who Bears the Risk? Intro Most LC transactions pass quietly, exactly as they should. But every now and then, a set of documents raises a different kind of question—one that no banker enjoys facing. This Q&A revisits how banks should respond when presented documents turn out to be forged, and why the answer is rarely as straightforward as the rules suggest. Question Dear Mr. … Read More
Transferable LCs – Who Really Gets Paid, and When? Transferable LCs often look straightforward—but once you get into the details, they rarely are. When money is involved, two questions always come up: who gets paid, and when? And are we really dealing with two independent sets of documents? Let’s keep it simple. QUESTION Dear Mr. Old Man, I have two questions regarding transferable letters of credit: When the second … Read More
Trở lại chợ Nồi Rang Mấy hôm trước, Mr. Old Man có dịp trở lại chợ Nồi Rang — một ngôi chợ quê mang cái tên mộc mạc đã có từ mấy trăm năm. Lần trở lại này, Mr. Old Man mang theo một món quà đặc biệt. Một tấm ảnh khổ lớn, lồng khung chỉn chu — chụp cô hàng bánh xèo, người sáu … Read More
House Air Waybill under LCs – Is the Title a Discrepancy? In documentary credit practice, transport documents often come with different titles that can make examiners uneasy. One common example is the “House Air Waybill.” Does its title alone justify a discrepancy? Let’s take a closer look. QUESTION Dear Sir, We have asked for airway bill only. However, we have received an airway bill titled “House Air Waybill”. Can we raise … Read More
Language of Documents under LCs – Keep It Simple A recurring question in document examination is whether the flexibility allowed by ISBP on language may, in practice, create more problems than it solves—especially in an era of AI-driven translations. QUESTION Dear Mr. Old Man, ISBP 821 A21(b) states that when a credit is silent regarding the language of documents, they may be issued in any language. In practice, could … Read More