銀行資信證明文件說(shuō)明.doc

1、銀行資信證明文件說(shuō)明銀行資信證明文件的說(shuō)明（設(shè)立外資企業(yè)程序中）在設(shè)立外商投資企業(yè)的過(guò)程中，為了對(duì)境外投資方的資金狀況持有基本的保障，在向外經(jīng)貿(mào)委提交的審批文件中有一項(xiàng)是銀行資信證明。資信證明是指由銀行或其他金融機(jī)構(gòu)出具的足以證明他人資產(chǎn)、信用狀況的各種文件、憑證等。此類證明文件不論以何種名義、形式出具，核心是證明他人擁有某項(xiàng)資產(chǎn)、債權(quán)或具有何種程度經(jīng)濟(jì)實(shí)力等等。銀行接受客戶申請(qǐng)，在銀行記錄資料的范圍內(nèi)，通過(guò)對(duì)客戶的資金運(yùn)動(dòng)記錄及相關(guān)信息的收集整理，以對(duì)外出具資信證明函件的形式，證明客戶信譽(yù)狀況的一種咨詢見(jiàn)證。通常銀行給其公司客戶出具的銀行資信證明包括銀行的開(kāi)戶時(shí)間、資本概況、財(cái)務(wù)往來(lái)信譽(yù)、賬

2、戶資金等項(xiàng)，例：CREDIBILITY LETTER銀行資信證明日期：1999年8月21日August 21， 20上海市對(duì)外經(jīng)濟(jì)貿(mào)易委員會(huì)中國(guó)，上海Shanghai Foreign Econom Relations And Trade Commission ShanghaiPeoples Republ of China敬啟者：To Whom It May Concern：茲證明abc有限公司總裁羅斯凱樂(lè)先生在商業(yè)銀行開(kāi)立有數(shù)個(gè)賬戶。正式商務(wù)賬戶于1997年9月開(kāi)立，金融市場(chǎng)賬戶于1999年8月開(kāi)立。先在敝銀行的全部存款余額為984，654.00美元。Please be advised tha

3、t Mr.Ross.Galler， President of abc Co.， Ltd.has established several accounts with Commerce Bank.The regular business account was established in September 1997 and the money market account was established in this August 1999.The total balance of deposit at our bank for both accounts is US$984，654.00.

4、 其賬戶信譽(yù)一貫良好。Their accounts have always been in good standing. 謝謝，Thank you. 致禮Sincerely，(簽名處)(Signature)(姓名)(Name)商業(yè)銀行Commerce Bank(地址) (Address)在實(shí)際操作中，往往境外投資方的開(kāi)戶銀行有各自的銀行資信證明文件格式，不同銀行的銀行資信證明文件條款對(duì)于銀行可以作出肯定性承諾的范圍限制是不同的，越是大型的銀行，對(duì)于其在銀行資信證明文件中作出的肯定性承諾越是謹(jǐn)慎。如美國(guó)國(guó)家銀行，僅能在其給客戶開(kāi)具的銀行資信證明文件中對(duì)自開(kāi)具銀行資信證明文件之日起三個(gè)月前的客戶賬

5、戶基本信息進(jìn)行事實(shí)性描述，包括開(kāi)戶日期、賬戶性質(zhì)、賬戶余額、賬戶末四位帳號(hào)。這樣的大型銀行不僅不會(huì)在銀行資信證明文件中對(duì)公司客戶的賬戶信譽(yù)狀況做諸如“良好”之類的肯定性承諾，且對(duì)于銀行自己對(duì)于客戶賬戶信息的內(nèi)容也會(huì)進(jìn)行其他免則聲明，如“本銀行對(duì)發(fā)生在本資信證明文件簽發(fā)后發(fā)生的客戶賬戶信息變動(dòng)不承擔(dān)責(zé)任”等。資信證明書（英文樣本）To (hereinafter called the Recipient):(hereinafter called the Client) entrusts our bank (hereinafter called the Bank) to issue this cre

6、dit reference (hereinafter called the Reference )for .Situation has been confirmed as follog：The Client holds (a) settlement account (s) with the Bank.From (mm /dd /yyyy) to (mm /dd /yyyy), the Client held no/some past-due loan(s) or unpaid interest(s) owed to the Bank, hadno/some bad record(s) in t

7、he aspect of capital settlement during the cooperation with the Bank, and performed well/badly in the the compliance with the regulations regarding settlement. The statements of the Bank:1.The Bank shall only be responsible for the accuracy o f Clients record with the Bank in terms of loan and inter

8、est repayment, capital settlement and the compliance with the regulations regarding settlement during the period as indated hereninabove.The Bank shall not be responsible for any changes arising before and after the period as indated in the Reference. 2.The Reference is null and void for any other p

9、urpose, ecept those stated hereinabove.The Reference shall not be transferred , nor be uesed for guarantee , financing or any other purpose. 3.The Reference is the orinal one , limited to be sent to the Recipient and it shall be invalid upon being altered and duplated .The Bank shall hold no legal r

10、esponsibility for the consequence arising from the lation of the Reference by the Client and the Recipient. 4.The Reference shall take effect upon the eecution by undertaker or authorized representative of the Bank with the bank seal affied5.This Reference is written in Chinese and English.In the event of any discrepancy between the Chinese and English version, the Chinese version shall prevail. 6.The Reference shall be governed by the laws of Peoples Republ of China.