国际结算(双语)第五章银行保函和备用信用证.pptVIP

第五章 银行保函与备用信用证 ;一、银行保函的定义及当事人 (一)银行保函的定义 A letter of guarantee is a written promise by a bank at the request of its customer, undertaking to make payment to the beneficiary within the limits of a stated sum of money in the event of non-performance of the contractual obligations by the principal. 银行保函是银行因客户要求，保证对受益人由于委托人未能履行合约义务而在一定的范围内支付规定金额货币的书面保证。 The issuing bank effects payment against the beneficiary’s performance under L/C, while under a bank guarantee, the issuing bank effects payment against the principal’s non-performance.;? Two basic functions of guarantees – Guarantees are used as secure mechanism for payment of the contract amount 银行保函是付款的安全机制。 – A contractor uses a guarantee as default instrument that covers the risk of non-performance or defective performance by the contractor 银行保函作为违约工具涵盖了不履约以及履约有缺陷的风险。;(二) Parties of Letter of Guarantee 1. Basic parties 基本当事人 (1) PRINCIPAL 委托人 (2) BENEFICIARY 受益人 (3) GUARANTOR 担保人 2. Possible parties 可能涉及的相关当事人 (1) ADVISING BANK 通知行，也称为传递行(TRANSMITTING BANK) (2) CONFIRMING BANK 保兑行 (3) COUNTER GUARANTOR 反担保行;(1)委托人(PRINCIPAL)或称为投保人(APPLICANT)，是指向银行提出申请并委托银行开立保函的当事人。 The principal is the person who requests a bank issues a guarantee for him. If the principal fails to fulfill his contractual obligations, he will be claimed (被索赔) after the payment being effected by the guarantor. The amount to be claimed will include the face value of the guarantee and the relevant interest. He may be required to place a partial or a full margin (押金，定金) with the guarantor (担保人) at the time of applying for L/G. 如果委托人不履行其合同义务，但保人付款后会向其索赔。申请保函时，但保人可能就要求申请人付部分或全部押金。;(2) BENEFICIARY 受益人 Beneficiary is the party in whose favor the guarantee is issued. He is secured against the risk of the principal’s not fulfilling his obligations towards the beneficiary. He will not obtain a sum of money if the obligations are not fulfilled. 受益人即基础合同的??权人，接受保函并有权按保函规定向担保银行提出索赔的当事人。受益人是基础合同中与委托人相对的当事人。 ;(3) GUARANTOR 担保人 – The