《保函和備用證》PPT課件.ppt

Chapter seven L/G and standby L/C,L/G Standby L/C,Introduction to L/G Contents Basic parties to a bank guarantee Procedures Types of guarantees,Letter of guarantee,是指擔(dān)保人應(yīng)某交易（貿(mào)易項(xiàng)下、合約關(guān)系、經(jīng)濟(jì)關(guān)系）的一方當(dāng)事人之要求，而向交易的另一方擔(dān)保該交易項(xiàng)下某種責(zé)任或義務(wù)的履行所做出的在一定期限內(nèi)承擔(dān)一定金額支付責(zé)任或經(jīng)濟(jì)賠償責(zé)任的書面付款保證。 作用： 結(jié)算工具：獨(dú)立的支付手段 信用工具：履約的信用保證和支付的信用保證 性質(zhì)： 獨(dú)立性保函（Independent L/G） 從屬性保函（Accessory L/G） 管轄的公約： Uniform rules for demand guarantees 1978 ICC325 Uniform rules for contract guarantees 1992 ICC458,Introduction to a L/G,Both based on bank credit Differences: 適用范圍不同； 銀行責(zé)任不同； 對結(jié)算單據(jù)的要求不同； 銀行承擔(dān)的風(fēng)險(xiǎn)大小不同； 保函不可轉(zhuǎn)讓； 到期地點(diǎn)和有效期不同,Comparison with a L/C,Basic contents,Number and issuing date; The name and address of basic parties ; The type and purpose of the guarantee; The description of background of opening the guarantee and the relative reference number; The value and currency of the guarantee; The duration and expiry date of the guarantee; Obligations and rights of basic parties; The undertaking clause; Arbitration clause,Additional clauses,The validity clause The reduction of the value clause The automatic extension clause Interest clause No change or addition clause Return clause Non-negotiable clause,申請人（Applicant） 受益人（Beneficiary） 擔(dān)保人（Guarantor） 通知行/轉(zhuǎn)遞行（Advising/Transmitting Bank） 轉(zhuǎn)開行（Reissuing Bank） 保兌行（Conforming Bank） 反擔(dān)保人/指示方（Counter-Guarantor/Instructing Party）,Parties to a L/G,The applicant applies for the opening of an L/G： application or agreement；evaluation of related transaction or project；collateral or counter guarantee The guarantor bank issues a L/G：direct /indirect Claims and payments The guarantor bank claims for reimbursement from the applicant and the counter guarantor Cancellation of a L/G,Procedures,Direct guarantee,Applicant,Guarantor,Beneficiary,Transmitting bank,application,issue,notify,Claims for payment,Claims for reimbursement,Underlying contract,Indirect guarantee,1 投標(biāo)保函（Tender Guarantee/Bid Bond) 在以招標(biāo)方式成交的工程建造和物資采購等項(xiàng)目中，銀行應(yīng)招標(biāo)方的要求具的、保證投標(biāo)人在招標(biāo)有效期內(nèi)不撤標(biāo)、不改標(biāo)、中標(biāo)后在規(guī)定時(shí)間內(nèi)簽定合同或提交履約保函的書面文件。 適用范圍 所有公開招標(biāo)、議標(biāo)時(shí)，業(yè)主要求投標(biāo)人繳納投標(biāo)保證金，避免投標(biāo)人在評標(biāo)過程中改標(biāo)、撤標(biāo)，或中標(biāo)后拒簽合同而給自身造成損失，以制約對方行為。投標(biāo)保函是現(xiàn)金保證金的一種良好的替代形式。 利益： 對投標(biāo)人：減少繳納現(xiàn)金保證金引起的資金占用 對招標(biāo)人：維護(hù)自身利益；避免收取、退回保證金程序的煩瑣。 保函金額多為投標(biāo)報(bào)價(jià)的25；開立即生效，直至開標(biāo)日后一段時(shí)間，若投標(biāo)人中標(biāo)，保函的有效期自動(dòng)延長至提交履約保函為止。,Types,Concept and characteristics Contents of a standby L/C Types Comparison with commercial L/C and L/G,Standby L/C,Standby letter of credit means an issuer on behalf of an applicant that represents an obligation to the beneficiary, pursuant to a complying presentation: to repay money borrowed by, advanced to, for the account of the applicant; or to make payment on account of any indebtedness undertaken by the applicant；or to make payment on account of any default by the applicant in the performance of an obligation.,Irrevocable form independent documentary Standby,Concept and characteristics,索款要求 demand for payment 可以是匯票或其它指示、命令或付款要求 違約或其它提款事由的聲明 Statement of Default or Other Drawing Event 適用規(guī)則 國際備用證慣例 ISP98, International Standby Practices, ICC Publication No.590,Documents required under a standby L/C:,開證行的名稱 開證日期 開證申請人的名稱、地址 受益人的名稱、地址 不可撤銷的性質(zhì) 金額、使用的貨幣 對單據(jù)的要求 到期日 保證文句 表明適用的慣例,Basic contents,履約備用證 Performance Standby 預(yù)付款備用證Advance Payment Standby 投標(biāo)備用證 Bid Bond/Tender Bond Standby 反擔(dān)保備用證 Counter Standby 融資備用證 Financial Standby 直接付款備用證 Direct Pay Standby 保險(xiǎn)備用證 Insurance Standby 商業(yè)備用證 Commercial Standby,Types,similarities： based on bank cre