第七章 保函和备用证.ppt

Chapter seven L/G and standby L/C L/G Standby L/C Letter of guarantee Introduction to L/G Contents Basic parties to a bank guarantee Procedures Types of guarantees Comparison with a L/C Both based on bank credit Differences: 适用范围不同； 银行责任不同； 对结算单据的要求不同； 银行承担的风险大小不同； 保函不可转让； 到期地点和有效期不同 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 Parties to a L/G 申请人（Applicant） 受益人（Beneficiary） 担保人（Guarantor） 通知行/转递行（Advising/Transmitting Bank） 转开行（Reissuing Bank） 保兑行（Conforming Bank） 反担保人/指示方（Counter-Guarantor/Instructing Party） Procedures 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 Indirect guarantee Types 1． 投标保函（Tender Guarantee/Bid Bond) 在以招标方式成交的工程建造和物资采购等项目中，银行应招标方的要求具的、保证投标人在招标有效期内不撤标、不改标、中标后在规定时间内签定合同或提交履约保函的书面文件。 适用范围 所有公开招标、议标时，业主要求投标人缴纳投标保证金，避免投标人在评标过程中改标、撤标，或中标后拒签合同而给自身造成损失，以制约对方行为。投标保函是现金保证金的一种良好的替代形式。 利益： 对投标人：减少缴纳现金保证金引起的资金占用 对招标人：维护自身利益；避免收取、退回保证金程序的烦琐。 保函金额多为投标报价的2％－5％；开立即生效，直至开标日后一段时间，若投标人中标，保函的有效期自动延长至提交履约保函为止。 Standby L/C Concept and characteristics Contents of a standby L/C Types Comparison with commercial L/C and L/G Concept and characteristics Standby letter of credit means an issuer on behalf