c6 Bank guarantee and standby credit

1、Chapter 6 專業(yè)PPT/商演示設(shè)計制作 Payment Methods - Bank guarantee and standby credit周錦周錦Review Whats the meaning of letter of credit? Types of letter of credit ? Advantages and risks under L/CWhy we need the bank guarantee ?In the international trade and financial transactionBuyer SellerBankerPlease provide

2、security for my performance of contract to buyer !Please provide security for my payment to seller !Bankers guarantee 6.1 Banks Letter of Guarantee 6.1.1 Concepts of L/G 6.1.2 Parties to an L/G 6.1.3 Types of L/G 6.1.4 Procedure of L/G 6.1.5 Contents of L/G 6.1.6 Comparison between the L/G and the L

3、/C 6.1.1 Concept of a L/GWhat is the bank guarantee? A bank guarantee is a written promise issued 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 default by principal.銀行保函銀行保函 (Letter of Guarantee, L/

4、G)或銀行保證或銀行保證書書,它是指商業(yè)銀行根據(jù)申請人的要求向受益人開出它是指商業(yè)銀行根據(jù)申請人的要求向受益人開出的擔(dān)保申請人正常履行合同義務(wù)的書面證明。它是的擔(dān)保申請人正常履行合同義務(wù)的書面證明。它是銀行有條件承擔(dān)一定經(jīng)濟責(zé)任的契約文件。當(dāng)申請銀行有條件承擔(dān)一定經(jīng)濟責(zé)任的契約文件。當(dāng)申請人未能履行其所承諾的義務(wù)時，銀行負有向受益人人未能履行其所承諾的義務(wù)時，銀行負有向受益人賠償經(jīng)濟損失的責(zé)任。賠償經(jīng)濟損失的責(zé)任。 申請人（申請人（Applicant/principal） 受益人（受益人（Beneficiary） 擔(dān)保人（擔(dān)保人（Guarantor） 通知行通知行/轉(zhuǎn)遞行（轉(zhuǎn)遞行（Advisi

5、ng/Transmitting Bank） 轉(zhuǎn)開行（轉(zhuǎn)開行（Reissuing Bank） 保兌行（保兌行（Confirming Bank） 反擔(dān)保人反擔(dān)保人 / 指示方（指示方（Counter-Guarantor / Instructing Party）6.1.2 Parties to a L/G Basic parties to a bank guaranteeApplicant - the party that requests a bank to issue a bank guarantee. Beneficiary - the party in whose favor a bank

6、guarantee is opened and who has the right to claim for compensation in accordance with the terms and conditions of the guarantee guarantor - the bank that issues a letter of guarantee at the re4quest of tis customer. Advising or transmitting bank - a bank in the beneficiarys place that notifies or t

7、ransmits the guarantee to the beneficiary.5、轉(zhuǎn)開行、轉(zhuǎn)開行（Reissuing Bank）:即指接受擔(dān)保即指接受擔(dān)保銀行的要求，向受益人開出保函的銀行。這銀行的要求，向受益人開出保函的銀行。這種保函發(fā)生賠付時，受益人只能向轉(zhuǎn)開行要種保函發(fā)生賠付時，受益人只能向轉(zhuǎn)開行要求賠付。求賠付。6、反擔(dān)保行、反擔(dān)保行（Counter Guarantor Bank）：是接受申請人的委托向擔(dān)）：是接受申請人的委托向擔(dān)保行出具不可撤銷反擔(dān)保，并承擔(dān)保行出具不可撤銷反擔(dān)保，并承擔(dān)在申請人違約且無法付款時，負責(zé)在申請人違約且無法付款時，負責(zé)賠償擔(dān)保行所作出的全部支付的銀賠

8、償擔(dān)保行所作出的全部支付的銀行。反擔(dān)保行負有向擔(dān)保行（或轉(zhuǎn)行。反擔(dān)保行負有向擔(dān)保行（或轉(zhuǎn)開行）賠償?shù)呢?zé)任，也有權(quán)向申請開行）賠償?shù)呢?zé)任，也有權(quán)向申請人索償。人索償。 In cases that the beneficiary requires a guarantee issued by a local bank, then a bank on the instruction of a principal may act as an instructing party to issue a counter guarantee in favor of a bank located in the b

9、eneficiarys country, by the counter guarantee the local bank issues the required guarantee in favor of the beneficiary. Obligations and rights: undertakes to irrevocably pay or reimburse the local bank (guarantor, reissuing bank) the amount paid by it under its guarantee; has the right to claim paym

10、ent from the principal.7、保兌行、保兌行（Confirming Bank）:即在保函上即在保函上加以保兌的銀行。保兌行只在保證人不按保加以保兌的銀行。保兌行只在保證人不按保函規(guī)定履行付款義務(wù)時才向受益人賠付。受函規(guī)定履行付款義務(wù)時才向受益人賠付。受益人可以得到雙重擔(dān)保。益人可以得到雙重擔(dān)保。保函的格式保函的格式 Dated: Our Ref:To:_Re:our irrevocable of guarantee No:_Whereas _(hereinafter called the”the contract”)has Undertaken ,in pursuance

11、of contract No:_Dated_to execute_(Name of the project) .And whereas we have agreed to give the Contractor such a bank guarantee:1.2.3.This guarantee shall be valid until a date 28 days from the date Of issue of the taking-over certificate. But in any case not laterThan Feb.14,2009. 1 1 Tender Guaran

12、tee/Bid Bond used to provide an assurance of the intention of the party submitting the tender to sign the contract if his tender is accepted. the guarantor undertakes, in the event of default by the principal in the obligations resulting from the submission of tender, to make payment to the benefici

13、ary within the limits of a stated sum of money. A tender guarantee is usually issued for 25of the tender value. The period of validity is usually between three and six months until the signing of the contract or issuing of a performance bond.6.1.3 Types Types of guarntees Bid Bond 投標(biāo)保函投標(biāo)保函 - Seller

14、bids with L/G promising not to withdraw tender before adjudication (opening sealed tender), to accept contract awarded if winning bid, to replace bid bond with performance bond after awarded contract.failing which, Guarantee Bank would pay a penalty to tender inviter ranging from 2% 5% of contract v

15、alue。Tender Guarantee，Tender Bond，Bid Guarantee，Bid Bond，Bid SecurityBid Bond 投標(biāo)保函投標(biāo)保函Applicant：投標(biāo)人：投標(biāo)人Beneficiary：招標(biāo)人：招標(biāo)人保證如投標(biāo)人有下列違約事項之一，擔(dān)保行將按保函保證如投標(biāo)人有下列違約事項之一，擔(dān)保行將按保函金額賠付招標(biāo)人。金額賠付招標(biāo)人。(1)在投標(biāo)的有效期內(nèi)，撤回該項投標(biāo)或修改原報價。在投標(biāo)的有效期內(nèi)，撤回該項投標(biāo)或修改原報價。(2)在中標(biāo)后，未與招標(biāo)人簽訂合同。在中標(biāo)后，未與招標(biāo)人簽訂合同。(3)在招標(biāo)人規(guī)定的日期內(nèi)未提交履約保函。在招標(biāo)人規(guī)定的日期內(nèi)未提交履約

16、保函。保函金額：一般為投標(biāo)金額的保函金額：一般為投標(biāo)金額的15。 有效期：至開標(biāo)日為止，有時再加有效期：至開標(biāo)日為止，有時再加315天索償期。如投天索償期。如投標(biāo)人中標(biāo)，則有效期自動延長至投標(biāo)人與招標(biāo)人簽訂合同標(biāo)人中標(biāo)，則有效期自動延長至投標(biāo)人與招標(biāo)人簽訂合同交來履約保函時為止。交來履約保函時為止。FORM FOR BID SECURITY Issuing Date To： Bid Security for Bid No. For supply of This Guarantee is hereby issued to serve as Bid Security of (name of Bid

17、der) (hereinafter called the“Bidder”) for invitation for Bid NO. for supply of (description of Goods) to (Name of the Buyer ).We (Name of issuing bank) hereby unconditionally and irrevocably guarantees and binds itself to pay you immediately without recourse，the sum of upon receipt of your written n

18、otification stating any of the following： (a)The Bidder has withdrawn his bid after the time and date of the bid opening and before the expiration of its validity period；or(b) The Bidder has failed to enter into Contract with you within thirty(30) calendar days after the notification of Contract awa

19、rd；or (c) The Bidder has failed to establish acceptable Performance Security within thirty (30) calendar days after receipt the Notification of Award It is fully understood that this guarantee takes effect from the date of the bid opening and shall remain valid for a period of calendar days thereaft

20、er，and during the period of any extension thereof that may be agreed upon between you and the Bidder with notice to us，unless sooner terminated and/or released by you Issue Bank Signed by 2 Performance Guarantee A performance guarantee is an undertaking given by a bank (the guarantor) at the request

21、 of a supplier of goods or service or a contractor (the principal) to a buyer or an employer (the beneficiary), to ensure the supplier or the contractor will perform the contract as signed. A performance guarantee is usually issued for 5%-15% of the contract value. The bond remains valid for the ful

22、l amount until complete performance of the contract. The period of validity may be one year, two years or longer. Types of guarntees Performance guarantee 履約保函履約保函 - The guarantor undertakes to make payment to the beneficiary within the limit of a stated sum of money in the event of default bythe su

23、pplier or the contractor in due performance of the terms of a contract between the principal and the beneficiary.Performance guarantee 履約保函履約保函Applicant: 中標(biāo)人中標(biāo)人 Beneficiary:招標(biāo)人招標(biāo)人保證保證: 如招標(biāo)人不履行合同規(guī)定的責(zé)任如招標(biāo)人不履行合同規(guī)定的責(zé)任義務(wù)，擔(dān)保行就按保函金額賠付招標(biāo)人，義務(wù)，擔(dān)保行就按保函金額賠付招標(biāo)人，以彌補其所受損失。以彌補其所受損失。保函金額保函金額:一般為合同金額的一般為合同金額的510。 有效期

24、有效期:至合同執(zhí)行完。為止，有時再加至合同執(zhí)行完。為止，有時再加315天索償期。如合同有質(zhì)量保證期或工天索償期。如合同有質(zhì)量保證期或工程維修期，則有效期可延長到質(zhì)量保證期程維修期，則有效期可延長到質(zhì)量保證期或工程維修期滿為止，再加上或工程維修期滿為止，再加上315天索償天索償期。期。 Advance Payment Guarantee This guarantee is issued at the request of the exporter to the importer (the beneficiary) when the advance payment is required of t

25、he latter. The guarantee ensures the repayment of the advance by the exporter in the event of the non-performance of his contractual obligations. The guaranteed amount is the amount of the advance payment, which is, as a rule, automatically and proportionally reduced by each following shipment. Type

26、s of Guarantee Advance payment Bond 預(yù)付金保函預(yù)付金保函 - The guaranteed amount is the amount of the advance payment, which is, as a rule, automatically and proportionally reduced following each shipment, or reduced as work proceeds.Advance payment Bond 預(yù)付金保函預(yù)付金保函Applicant: 承包人承包人Beneficiary:工程業(yè)主工程業(yè)主保證：承包人收到

27、預(yù)付金后一定履約，保證：承包人收到預(yù)付金后一定履約，否則擔(dān)保行將預(yù)付金退還給工程業(yè)主。否則擔(dān)保行將預(yù)付金退還給工程業(yè)主。保函金額：預(yù)付金的金額。保函金額：預(yù)付金的金額。有效期：至合同執(zhí)行完畢日期為止，再有效期：至合同執(zhí)行完畢日期為止，再加上加上315天索償期，或者訂為預(yù)付金全部天索償期，或者訂為預(yù)付金全部扣完時失效?？弁陼r失效。 第一性第一性 見索即付見索即付 第二性第二性 有條件的保函有條件的保函擔(dān)保行擔(dān)保行申請人申請人受益人受益人申請人申請人受益人受益人擔(dān)保行擔(dān)保行擔(dān)保行的付款責(zé)任擔(dān)保行的付款責(zé)任受益人受益人申請人申請人擔(dān)保行擔(dān)保行6.1.4 Procedures 直接銀行保函直接銀行保函

28、（無通知行）（無通知行）保證申請人保證申請人保證行保證行受益人受益人2、申請開立保函、申請開立保函 1、基礎(chǔ)合同、基礎(chǔ)合同Guaranteeing BankPrincipalBeneficiary3、開立保函（郵、開立保函（郵寄或快遞方式）寄或快遞方式） 4、申請人違約，受益人索償、申請人違約，受益人索償受益人受益人申請人申請人擔(dān)保行擔(dān)保行通知行通知行6.1.4 Procedures 直接銀行保函直接銀行保函（有通知行）（有通知行）保證申請人保證申請人保證行保證行受益人受益人 3、開立保函、開立保函（swift或或telex方式）方式）通知行通知行4、通知保函、通知保函 1、基礎(chǔ)合同、基礎(chǔ)合同

29、2、申請開立保函、申請開立保函 5、索賠、索賠Guaranteeing BankAdvising Bank受益人受益人申請人申請人指示行指示行（原擔(dān)保行）（原擔(dān)保行）轉(zhuǎn)開行轉(zhuǎn)開行6.1.4 Procedures 間接銀行保函間接銀行保函保證申請人保證申請人指示行指示行受益人受益人2、委托開立保、委托開立保函和反擔(dān)保函和反擔(dān)保 3、轉(zhuǎn)遞保函委、轉(zhuǎn)遞保函委托并反擔(dān)保托并反擔(dān)保保證行保證行4、開立保函、開立保函 1、基礎(chǔ)合同、基礎(chǔ)合同PrincipalBeneficiaryInstructing BankGuaranteeing Bank5、索償、索償 6、反擔(dān)保索款、反擔(dān)保索款7、反擔(dān)保索款、反擔(dān)

30、保索款 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 count

31、er guarantor Cancellation of a L/G6.1.4 Procedures 填寫填寫開立保函申請書開立保函申請書，提供如下材料，提供如下材料 (1)基礎(chǔ)合同或意向書；基礎(chǔ)合同或意向書； (2)保函格式；保函格式； (3)申請人的經(jīng)會計師事務(wù)所審計的上年度財務(wù)報申請人的經(jīng)會計師事務(wù)所審計的上年度財務(wù)報告、當(dāng)期財務(wù)報表；告、當(dāng)期財務(wù)報表； (4)保函受益人的有關(guān)資信材料；保函受益人的有關(guān)資信材料； (5)反擔(dān)保承諾函或物業(yè)抵押材料或其他反擔(dān)保方反擔(dān)保承諾函或物業(yè)抵押材料或其他反擔(dān)保方式的承諾等；式的承諾等； (6)開立借款保函、融資租賃保函、補償貿(mào)易項下開立借款保函、融資

32、租賃保函、補償貿(mào)易項下的現(xiàn)匯履約保函等融資性保函除上述材料外，的現(xiàn)匯履約保函等融資性保函除上述材料外， 還需提供項目可行性研究報告、政府主管部門還需提供項目可行性研究報告、政府主管部門批準(zhǔn)文件等資料。批準(zhǔn)文件等資料。申請保函業(yè)務(wù)的客戶應(yīng)具備以下條件申請保函業(yè)務(wù)的客戶應(yīng)具備以下條件 1是經(jīng)國家工商行政管理機關(guān)批準(zhǔn)，具有法人資是經(jīng)國家工商行政管理機關(guān)批準(zhǔn)，具有法人資格的企業(yè)。申請開立對外擔(dān)保函的企業(yè)還需有履行格的企業(yè)。申請開立對外擔(dān)保函的企業(yè)還需有履行涉外合同能力，并擁有可靠的償債外匯來源。涉外合同能力，并擁有可靠的償債外匯來源。 2在銀行有基本賬戶或一般結(jié)算賬戶。在銀行有基本賬戶或一般結(jié)算賬戶。

33、 3在銀行無欠息，無呆滯、呆賬貸款。在銀行無欠息，無呆滯、呆賬貸款。 4. 有良好的信譽和較強的經(jīng)濟實力。有良好的信譽和較強的經(jīng)濟實力。 5能夠提供符合規(guī)定要求的反擔(dān)保。能夠提供符合規(guī)定要求的反擔(dān)保。 6有關(guān)基礎(chǔ)合同的內(nèi)容應(yīng)符合國家有關(guān)規(guī)定和批有關(guān)基礎(chǔ)合同的內(nèi)容應(yīng)符合國家有關(guān)規(guī)定和批準(zhǔn)程序，某些特定情況還需具有進出口許可證及配準(zhǔn)程序，某些特定情況還需具有進出口許可證及配額等文件。額等文件。 7與申請人簽約的受益人，經(jīng)銀行或可靠機構(gòu)咨與申請人簽約的受益人，經(jīng)銀行或可靠機構(gòu)咨詢，資信情況良好。詢，資信情況良好。Direct guaranteeApplicant Guarantor Benefici

34、ary TransmittingbankapplicationissuenotifyClaims for paymentClaims for reimbursementUnderlying contract Indirect guarantees are used when local laws prohibit or restrict the issuance of guarantees to beneficiaries that are not financial institutions, such as in the United States, or in case the bene

35、ficiary requires a guarantee issued by a local bank . Four parties: Indirect guaranteeBankBeneficiaryPrincipalU n d e r l y i n g transactionGuaranteeGuaranteeing bank Direct guaranteeprincipalBank (guarantor)beneficiaryUnderlying transactionguarantee Indirect guaranteeprincipalBank beneficiaryGuara

36、nteeing bankUnderlying transactionCounter guaranteeguaranteeTypes of guarantee6.1.5 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 val

37、ue and currency of the guarantee; The duration and expiry date of the guarantee; Obligations and rights of basic parties; The undertaking clause; Arbitration clauseAdditional clauses The validity clause The reduction of the value clause The automatic extension clause Interest clause No change or add

38、ition clause Return clause Non-negotiable clause Authentication clause Legal clause The joint and several liability clause Assignment of proceeds clause Unconditional to pay clause No deduction clause Primary obligor clause Basic contents of a counter guarantee In practice, the contents of a counter

39、 guarantee are not as detailed as those of a guarantee. A counter guarantee mainly contains two clauses: the authorization instruction clause and the reimbursement clause. The value of a counter guarantee is the same as that of the guarantee. The expiry date of a counter guarantee is usually 15 or 3

40、0 days longer to ensure the reissuing bank has enough time to claim reimbursement from the counter guarantor. There is a contract concluded between principal and beneficiary Underlying Contract There is a contract concluded between guarantor and beneficiary Guarantee Contract Under indirect guarante

41、e, there is a contract concluded between principal and instructing party Counter Indemnity contract or Reimbursement contract Under indirect guarantee, there is a contract concluded between guarantor and instructing party Counter-guarantee contract Under indirect guarantee, there is a contract concl

42、uded between guarantor and beneficiary Guarantee contractA bankers guarantee is an undertaking which will be brought into effect by the guarantor。 i.e. the bank, only if the principal fails to meet his commitment. BENEs written statement to this effect should be presented.Preview What is a standby l

43、etter of credit Standby letter of credit means an issuer on behalf of an applicant that represents an obligation to the beneficiary, pursuant to a complying presentation: - to repay money borrowed by, advanced to, for the account of the applicant; or - to make payment on account of any indebtedness

44、undertaken by the applicant；or - to make payment on account of any default by the applicant in the performance of an obligation.Flow chart of a standby L/CIssuingBankStandby LC can be sight / acceptancepayment or negotiation. It can be confirmed at the request ofIssuing Bank.Advising BankAdviseSelle

45、r or BuyerBeneficiaryPayment / acceptance or negotiation is conditional upon: -the presentation of stipulated documents-provided that the terms and conditions ofcredit are complied with.Types of standby LC:-performance Standby, - advance Payment standby-Bid Bond / Tender Bond Standby, - Counter Stan

46、dby-Financial Standby, - Insurance Standby-Commercial Standby - Direct Pay StandbyApplyBuyer or SellerApplicantTypes of a standby L/CPerformance Standby Advance Payment Standby Bid Bond/Tender Bond Standby Counter Standby Financial Standby Direct Pay StandbyInsurance Standby Commercial Standby備用信用證的

47、種類備用信用證的種類n履約備用信用證履約備用信用證n預(yù)付款備用信用證預(yù)付款備用信用證n招標(biāo)招標(biāo)/投標(biāo)備用信用證投標(biāo)備用信用證n反擔(dān)保備用信用證反擔(dān)保備用信用證n融資備用信用證融資備用信用證n直接付款備用信用證直接付款備用信用證n保險備用信用證保險備用信用證n商業(yè)備用備用信用證商業(yè)備用備用信用證Difference Between L/G and Standby Credit Only at sight and can not be negotiated Accessory guarantee and independent guarantee At sight or at tenor and

48、can be negotiated Only independent guarantee Similarity: based on bankers credit standing, pay against stipulated documents Bankers take primary liability in the payment Documents requirements are simple Separate from underlying contractsBank GuaranteeStandby CreditPreview Difference between bank L/

49、G and L/CnUnder L/C: issuing bank: as the first payer Under bank L/G: issuing bank: the second payernUnder L/C: issuing bank: handles business, not contract Under L/G: opening bank: handles business according to the contractnUnder L/C: beneficiary can get accommodation through negotiation Under L/G:

50、 beneficiary can not do through negotiation.Difference between L/G and standby L/CnUnder L/G: opening bank: subsidiary payer Under standby L/C: opened in the favor of the beneficiarynThe opening bank of L/G is likely to be involved in the contract disputes, while under standby L/C, the opening bank

51、has nothing to do with the contract. Difference between standby L/C and common L/CThe L/C is usu. Used in specific trade, while the standby L/C is used only in the case of non-performance of duty by the applicantDocuments presented are different.備用信用證備用信用證 / / 保函類別保函類別n備用信用證備用信用證 Standby L/C: SBLC i

52、s usually used to support loan repayment, i.e. Citibank Citibank Local bank Local bank Subsidiary in ChinaSubsidiary in China Parent Co Parent Co. InvestmentInvestment BorrowingBorrowing SBLC SBLC違約事件違約事件: : 借款人在貸款到期日未能還清向貸款銀行借款人在貸款到期日未能還清向貸款銀行( (一般來說一般來說, ,指本地銀行指本地銀行) ) 所借的本金及其相應(yīng)的利息。所借的本金及其相應(yīng)的利息。n花

53、旗銀行如何為公司的業(yè)務(wù)拓展提供全面擔(dān)?；ㄆ煦y行如何為公司的業(yè)務(wù)拓展提供全面擔(dān)保 競投標(biāo)或競投標(biāo)或提供設(shè)備或貨物提供設(shè)備或貨物 國內(nèi)買家國內(nèi)買家一系列保函一系列保函: 如投標(biāo)、如投標(biāo)、履約、預(yù)付款、質(zhì)量等履約、預(yù)付款、質(zhì)量等備用信用證備用信用證 / / 保函業(yè)務(wù)研討保函業(yè)務(wù)研討花旗銀行可服務(wù)范圍：花旗銀行可服務(wù)范圍：1.1. 簽發(fā)各類簽發(fā)各類保函，以支保函，以支持公司的全面業(yè)務(wù)持公司的全面業(yè)務(wù)2.2. 提供咨詢，定制特殊提供咨詢，定制特殊形式形式保函保函3.3. 提供提供保函業(yè)務(wù)培訓(xùn)保函業(yè)務(wù)培訓(xùn) 供應(yīng)商供應(yīng)商 花旗銀行花旗銀行備用信用證備用信用證 / / 保函類別保函類別n投標(biāo)保函投標(biāo)保函 Bi

54、d Bond: The purpose of a bid bond is to ensure that the bidder does not withdraw or alter his bidding before adjudication and that he will accept and sign the contract if the tender has been awarded to him, i.e. Citibank Citibank Tender co. Tender co. or agentor agent Bidder Bidder BiddingBidding Bi

55、d Bid BondBond常見的違約事件常見的違約事件: :從開標(biāo)之日起到投標(biāo)文件有效期滿前，投標(biāo)方撤回投標(biāo)；或從開標(biāo)之日起到投標(biāo)文件有效期滿前，投標(biāo)方撤回投標(biāo)；或在收到中標(biāo)通知后三十在收到中標(biāo)通知后三十(30)(30)天內(nèi)，投標(biāo)方天內(nèi)，投標(biāo)方( (中標(biāo)人中標(biāo)人) )未能與招標(biāo)方簽未能與招標(biāo)方簽訂合同；或訂合同；或 在收到中標(biāo)通知后三十在收到中標(biāo)通知后三十(30)(30)天內(nèi)，投標(biāo)方未能向招標(biāo)方出具可接受天內(nèi)，投標(biāo)方未能向招標(biāo)方出具可接受的履約保函。的履約保函。備用信用證備用信用證 / / 保函類別保函類別n履約保函履約保函 Performance Bond: A performance b

56、ond assures payment to the beneficiary in the event that the applicant or the vendor has not, not timely, not completely or not properly fulfilled his obligations from the underlying contract, i.e常見的違約事件常見的違約事件: :未能準(zhǔn)時交貨；或未能準(zhǔn)時交貨；或貨物有瑕疵；或貨物有瑕疵；或 未能安裝調(diào)試；或未能安裝調(diào)試；或未提供保養(yǎng)維修；等。未提供保養(yǎng)維修；等。 如何管理如何管理常見的客戶要求常見的客

57、戶要求: :到期日在驗收后到期日在驗收后XXXX天；或天；或交貨后保函金額遞交貨后保函金額遞減。等減。等 Citibank Citibank BuyerBuyer Seller Seller Goods deliveryGoods delivery P. BondP. Bond銀行管理中須注意的問題銀行管理中須注意的問題: :如何確認驗收文件有效；如何確認驗收文件有效；或或交貨后保函金額遞減交貨后保函金額遞減, ,所擔(dān)保的責(zé)任是否可以所擔(dān)保的責(zé)任是否可以相應(yīng)遞減。等相應(yīng)遞減。等備用信用證備用信用證 / / 保函類別保函類別n預(yù)付款保函預(yù)付款保函 Advance Payment Guarante

58、e: Advance payment guarantee secures the refund (repayment) of advance payment from the buyer in case of any defaults by the seller, i.e Citibank Citibank Buyer BuyerSellerSeller Advance Advance PaymentPayment Adv. Pmt. Gtee Adv. Pmt. Gtee違約事件違約事件: :未能履行合約項下的責(zé)未能履行合約項下的責(zé)任任( (參見履約保函參見履約保函) )。常見的客戶要求常見的客戶要求: :起始日在受益人收到預(yù)付款后算起；或起始日在受益人收到預(yù)付款后算起；或賠付款要加上預(yù)付款銀行存款利息。等賠付款要加上預(yù)付款銀行存款利息。等 如何管理如何管理銀行管理對策銀行管理對策: :起始日不可早于保函簽發(fā)日起始日不可早于保函簽發(fā)日, ,具體日期以銀行收款記錄為準(zhǔn)；具體日期以銀行收款記錄為準(zhǔn)；或或最大利息額最大利息額: (: (i)i)利率確利率確定定;(;(ii)ii)最大期限自保函簽發(fā)最大期限自保函簽發(fā)日至到期日日至到期日, ,具體日期以銀行具體日期以銀行收收/ /付款記錄為準(zhǔn)。等付款記錄為準(zhǔn)。等備用信用證備用信用證 / / 保函類別保函類別n質(zhì)量保函質(zhì)量保函