保函业务基本知识及实务介绍某银行.pptVIP

保函风险防范及案例分析 此类保函开出后不久我们接到来自转开行的电报，EXTEND OR PAY。 申请人表示不同意延期也不同意付款。 申请人拒绝延期的理由： 设备价格大幅上涨，人民币持续升值，初始报价不能覆盖成本。 申请人拒绝付款的理由： 1、业主在评标期内未宣布评标结果，在评标期后原报价应自动失效 2、业主的索赔日期和转开行的来电时间相差20多天，不合常规。 * 第二十七页，共六十二页。 保函风险防范及案例分析 我们的观点： 公司的第一个拒付理由其实可以在一般的标书中找到更切实的依据，一般在标书中TENDER VALIDITY 条款有如下描述：“In exceptional circumstances, prior to expiry of the original tender validity period, owner may request tenderer for a specified extension in the period of validity.The request and the responses thereto shall be made in writing or by cable. A tenderer may refuse the request without forfeiting his tender security. A tenderer agreeing to the request will not be required nor permitted to modify his tender, but will be required to extend the validity of his tender security correspondingly. 针对公司的第二个理由, 由于业主的索赔和转开行在反担保项下的索赔均在保函和反担保效期内提出，我行无法拒付。 * 第二十八页，共六十二页。 保函风险防范及案例分析 本案例的关注点： 前期投标报价没有预见性 业主延标 保函索赔条款过于简单 * 第二十九页，共六十二页。 保函风险防范及案例分析 综合考虑上述这几类风险我们给出的一些建议： 在见索即付保函得到越来越广泛的接受和使用的情况下，保函中的索赔条款和减额条款应尽量完备、清晰，规避受益人不当索赔风险。 我们推荐的索赔条款： 1、履约保函: We undertake to pay you upon our receipt of your first written demand declaring the Contractor has failed to perform its obligations under the Contract and specifying in which respects the Contractor is in failure. * 第三十页，共六十二页。 保函风险防范及案例分析 2、投标保函: We undertake to pay you upon receipt of your written notification stating any of the following: (A) the bidder has withdrawn his bid….. before the expiration of its validity period ; or (B) the bidder has failed to enter into contract with you … after the receipt of notification of award; or (C) the bidder has failed to establish acceptable performance security …after receipt of notification of award. * 第三十一页，共六十二页。 保函风险防范及案例分析 3、预付款保函项下减额条款 ： The maximum amount of this guarantee shall be progressively and automatically reduced by the amount of the advance payment repaid by the Contractor which shall be conclusively evidenced by presentation to us of the copy of the