《国际结算方式》PPT课件完整

1、1第六章 国际结算方式（三）： 银行保函2一、保函的概念1.银行保函的定义和性质Bank letter of guarantee, L/G从属性保函 accessory L/G， conditional L/G独立性保函 independent L/G, unconditional L/G3 2.银行保函的种类 借款保函 付款类保函 进口付款保函 银行保函 租赁保函 信用类保函 投标、履约、 预付款、补偿贸易4二、保函的当事人申请人applicant/principal受益人beneficiary担保行guarantor通知行advising bank/transmitting bank转开行

2、reissuing bank保兑行confirming bank反担保人counter-guarantor5三、保函与跟单信用证的比较关于银行信用关于交易合同关于付款责任关于支付依据关于单据处理6四、保函的基本内容1、保函当事人（受益人、申请人、担保行、通知行或转开行）的完整名称和详细地。2、保函的性质。3、交易合同的内容。4、保函的编号和开立日期。5、保函金额和所使用的货币。6、保函的有效期和终止到期日7、保函的当事人的责任和义务7五、保函的主要条款1.担保责任 （1）区分担保人承担第一性责任或第二性责任的根据。 （2）默示推定的原理2.索偿的条件：提交“索偿有理”的声明书3.见索即付条款：

3、“无条件的”“不可撤销的”8The beneficiary shall be the sole and final judge for deciding whether or not the applicant has duly performed his obligations of the contract, and we hereby undertake to pay you immediately upon receipt of your written claim notwithstanding any protestation, defense, or objection from

4、 the applicant and without it being necessary for you to produce or adduce any proofs or any judicial or administrative proceedings whatsoever on support of your claim9We undertake to accept intimation from you as conclusive and sufficient evidence of the existing of a default or non-compliance as a

5、foresaid on the part of the applicant and to make payment accordingly without being necessary for you to prove the correctness of your claim.We hereby renounce any claim, defense or other objection, whether in court or otherwise, which we may have against you with respect of this guarantee of any mo

6、ney we may pay thereunder.104.担保的期限This bond shall come into force from the issuing date.This guarantee shall become effective from the date when the sellers receive the advance payment.This performance bond shall remain valid uponThis performance bond shall expire upon our receipt from the seller o

7、f copies of B/L and the relevant invoices which show that all the goods under the contract have been shipped on board.This letter of guarantee shall remain valid until the seller have completely delivered the equipment under the contract or untilwhich ever comes earlier.115.责任递减条款The amount of this

8、letter of guarantee shall be automatically reduced as and when respective amount of installments and/or interest is duly settled and paid by the Buyer and/or by ourselves under contract.The guaranteed amount of this Letter of Guarantee will reduce in proportion to the sum already paid.The guaranteed

9、 sum shall be automatically and proportionally reduced in the step of the progress of the project.126.利息条款We shall within *days after receipt of your written notice immediately refund to you the advance payment previously made by you plus interest at the rate of -%p.a. Calculated from the date of yo

10、ur advance payment up to the date of our repayment.13六、保函的附加条款鉴定条款For authentication purpose, your written demand, if any, shall be sent to us through *bank after its confirmation of your signature a fixed thereon, or shall be confirmed by *bank in the way of its tested telex to us.14自动延展条款This guar

11、antee shall be automatically extended for another three months if the guarantor shall not have received, by the end of the validity hereof or of any extension thereto, any confirmation from the beneficiary that it can be released from its obligation hereunder.担保责任不变条款责任连带条款15不可转让条款The guarantee is p

12、ersonal to yourselves and is not transferable.保函的归还条款Upon its expiration, this L/G shall be null and void, and please immediately returned to us for cancellation.If we receive no claim from the beneficiary on or before*date, then this guarantee shall become automatically null and void.16七、银行保函的业务处理1

13、.直接担保：直交与转交注意在不同国家对confirm,counter-sign,endorse,做法的区别。2.间接担保：转开指示行的双重身份，申请人需负担转开保函的手续费，转开行的风险防范At the request of _(principal), we hereby establish our counter guarantee No.*in your favor for (amount). Our counter guarantee remains valid till (date). Please open your guarantee against our counter gua

14、rantee and deliver it to the beneficiary through the principals agent (name and address) Details of the guarantee as follows.17八、保函的修改与撤销1、保函的修改2、保函的撤销We would like to inform you that according to the terms and conditions of our above mentioned guarantee, the expiry date of the said guarantee was on

15、_, therefore, kindly arrange for the return of the original guarantee to us for cancellation.18九、保函项下的索赔与理赔1.索偿的有效性：担保行只负责审核受益人的索偿是否有效，而不考虑申请人是否有意见或受益人的索赔理由是否真实。2.赔付后保函的失效部分赔付全额赔付19备用证standby letter of credit一、定义偿还开证申请人的借款或预收款；支付由开证申请人承担的任何债务；赔偿因开证申请人在履行合同中的违约所造成的任何损失。履约备用证（performance standby）,adva

16、nce payment standby, bid bond, counter standby, financial standby, insurance standby, commercial standby20二、备用证的性质不可撤销性，独立性，跟单性，约束性，其备而不用的性质，表明只有在申请人不能偿还债务或不能履约时才起支付作用。备用信用证的发展潜力：备用信用证作为一种付款方式，操作简便、费用低，有着极大的发展潜力。21三、备用证与跟单信用证和保函的比较1.备用证与跟单信用证的比较相同点：都是独立的，都是以单据为凭。不同点：要求的单据不同，作用和用途不同。议付含义和做法不同。222.备用证

17、与银行保函的比较相同点：性质和作用相同，对单据的处理相同，两者一般都不可以作为融资的抵押品。不同点：承担的付款责任不同，所要求的单据不同。23四、备用证下的特殊单据1.索偿书（demand for payment）单独的索偿书包含：受益人直接向开证人或其指定人要求付款的索偿语句、索偿书出具日期、索偿金额及受益人签字等项内容。2.声明书（statement）陈述（即备用证所描述的提款是由已经发生而要求付款的陈述）、出具日期及受益人签名等3.法律、司法文件24Available against drafts drawn at sight on us accompanied by the Benef

18、iciarys signed statement reading precisely as follows: The undersigned officer of X.Y.company hereby certifies that the amount drawn under this standby represents an amount due and owing to X.Y.company and is unpaid by A.B.Co.Ltd.which has not made payment in any other fashion outside this standby a

19、nd, to date, has not produced evidence to substantiate the payment was made. 25Available by drafts drawn at sight on us accompanied by the Beneficiarys signed statement certifying that the amount drawn under this credit represents and covers unpaid indebtedness because of the failure of A.B.Co. Ltd.unde