《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,是指擔保人應(yīng)某交易（貿(mào)易項下、合約關(guān)系、經(jīng)濟關(guān)系）的一方當事人之要求，而向交易的另一方擔保該交易項下某種責任或義務(wù)的履行所做出的在一定期限內(nèi)承擔一定金額支付責任或經(jīng)濟賠償責任的書面付款保證。 作用： 結(jié)算工具：獨立的支付手段 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； 銀行責任不同； 對結(jié)算單據(jù)的要求不同； 銀行承擔的風險大小不同； 保函不可轉(zhuǎn)讓； 到期地點和有效期不同,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 投標保函（Tender Guarantee/Bid Bond) 在以招標方式成交的工程建造和物資采購等項目中，銀行應(yīng)招標方的要求具的、保證投標人在招標有效期內(nèi)不撤標、不改標、中標后在規(guī)定時間內(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、議標時，業(yè)主要求投標人繳納投標保證金，避免投標人在評標過程中改標、撤標，或中標后拒簽合同而給自身造成損失，以制約對方行為。投標保函是現(xiàn)金保證金的一種良好的替代形式。 利益： 對投標人：減少繳納現(xiàn)金保證金引起的資金占用 對招標人：維護自身利益；避免收取、退回保證金程序的煩瑣。 保函金額多為投標報價的25；開立即生效，直至開標日后一段時間，若投標人中標，保函的有效期自動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 預付款備用證Advance Payment Standby 投標備用證 Bid Bond/Tender Bond Standby 反擔保備用證 Counter Standby 融資備用證 Financial Standby 直接付款備用證 Direct Pay Standby 保險備用證 Insurance Standby 商業(yè)備用證 Commercial Standby,Types,similarities： based on bank cre