(完整word版)备用信用证

备用信用证备用信用证编辑词条B添加义项备用信用证简称SBLC (standby letters of credit) 又称担保信用证，是指不以清偿商品交易的价款为目的，而以贷款融资，或担保债务偿还为目的所开立的信用证。

它是集担保、融资、支付及相关服务为一体的多功能金融产品，因其用途广泛及运作灵活，在国际商务中得以普遍应用。

但在我国，备用信用证的认知度仍远不及银行保函、商业信用证等传统金融工具。

鉴此，认识备用信用证的法律性质及功能所在，并予以合理应用，无疑有助于企业更有效率地参与国际竞争。

简介备用信用证是一种特殊形式的信用证，是开证银行对受益人承担一项义务的凭证。

开证行保证在开证申请人未能履行其应履行的义务时，受益人只要凭备用信用证的规定向开证行开具汇票，并随附开证申请人未履行义务的声明或证明文件，即可得到开证行的偿付。

备用信用证只适用《跟单信用证统一惯例》（500号）的部分条款，现在为UCP600部分条款。

在借款人可能无法偿债时，贷款人凭备用信用证主张担保人向贷款人偿债；一般用于投标、履约、还款、预付赊销等业务。

条款1995年12月，联合国大会通过了由联合国国际贸易法委员会起草的《独立担保和备用信用证公约；1999年1月1日，国际商会的第590号出版物《国际备用信用证惯例》（简称《ISP98》）作为专门适用于备用信用证的权威国际惯例，正式生效实施。

根据《ISP98》所界定的“备用信用证在开立后即是一项不可撤销的、独立的、要求单据的、具有约束力的承诺”，作为专门规范备用信用证的ISP98，除了让其独立存在之外，修订时要考虑的反而是UCP600是否仍有必要涉及备用信用证。

最终多数意见是备用信用证仍然可依继续适用UCP600。

性质1.不可撤销性。

除非在备用证中另有规定，或经对方当事人同意，开证人不得修改或撤销其在该备用证下之义务。

2.独立性。

备用证下开证人义务的履行并不取决于：①开证人从申请人那里获得偿付的权利和能力。

TO: I (THE “LENDER”)FROM: BANK AND BRANCH´S NAMEAT THE REQUEST OF CLIENT´S NAME (THE “APPLICANT”) WHICH HAS ITS REGISTERED ADDRESS AT XXX, WE, BANK AND BRANCH´S NAME, WITH OUR OFFICE AT XXX HEREBY ISSUE IN YOUR FAVOUR THIS IRREVOCABLE STAND-BY LETTER OF CREDIT NO. ( XXX) AMOUNTING TO CNY XXXX (SAY CHINESE XXX). THIS STAND-BY LETTER OF CREDIT IS TO SECURE THE OBLIGATIONS (INCLUDING BUT NOT LIMITED TO ANY INTEREST, COST, EXPENSES AND ANY OTHER SUMS), FROM TIME TO TIME, DUE AND PAYABLE TO YOU BY CLIENT´S NAME (THE “BORROWER”), WHICH HAS ITS REGISTERED ADDRESS AT XXX, UNDER THE FACILITY AGREEMENT (THE “FACILITY AGREEMENT”) WITH REFERENCE NO. XXX DATED XXX AMOUNTING TO CNY XXX (SAY:CHINESE XXX ONLY) FOR THE PURPOSE OF LOAN(CAN BE CHANGED ACCORDING TO THE PORPUSE OF THE OPERATION).应客户(申请人)_________要求(客户注册地：)，我行（分行地址：）开出以贵行为受益人的不可撤销备用信用证，信用证编号为：__________金额: _________（最大人民币金额）。

备用信用证保证书致：[受益人名称]根据备用信用证条款和条件，我方：[保证人名称]兹向贵方保证，我方将根据备用信用证条款和条件，在要求时，向贵方支付金额为[信用证金额]的款项，前提是贵方提交的单据符合备用信用证条款和条件。

我方保证，我方的付款义务是根据备用信用证条款和条件的，并且我方的义务是不可撤销的。

我方进一步保证，我方将不会提出任何异议或抗辩，也不会拒绝支付，只要贵方提交的单据符合备用信用证条款和条件。

我方理解，备用信用证是一种银行担保，用于保证在特定情况下，我方将履行我的支付义务。

我方保证，我方将不会违反备用信用证条款和条件，也不会采取任何行动，使我方无法履行支付义务。

我方进一步保证，我方将不会提出任何索赔或要求，也不会对我方的支付义务提出任何限制或例外。

我方明白，我方的义务是根据备用信用证条款和条件的，我方将遵守这些条款和条件，不会有任何异议。

我方保证，我方将不会违反备用信用证条款和条件，也不会采取任何行动，使我方无法履行支付义务。

我方明白，我方的义务是根据备用信用证条款和条件的，我方将遵守这些条款和条件，不会有任何异议。

我方保证，我方将不会提出任何异议或抗辩，也不会拒绝支付，只要贵方提交的单据符合备用信用证条款和条件。

我方进一步保证，我方将不会违反备用信用证条款和条件，也不会采取任何行动，使我方无法履行支付义务。

我方明白，备用信用证是一种银行担保，用于保证在特定情况下，我方将履行我的支付义务。

我方保证，我方将不会违反备用信用证条款和条件，也不会采取任何行动，使我方无法履行支付义务。

我方保证，我方将不会提出任何索赔或要求，也不会对我方的支付义务提出任何限制或例外。

我方明白，我方的义务是根据备用信用证条款和条件的，我方将遵守这些条款和条件，不会有任何异议。

我方保证，我方将不会违反备用信用证条款和条件，也不会采取任何行动，使我方无法履行支付义务。

我方明白，我方的义务是根据备用信用证条款和条件的，我方将遵守这些条款和条件，不会有任何异议。

备用信用证详解及样本什么是备用信用证，备用信用证的融资性质：备用信用证又称担保信用证，是指不以清偿商品交易的价款为目的，而以贷款融资，或担保债务偿还为目的所开立的信用证。

备用信用证是在美国发展起来的一种以融通资金、保证债务为目的的金融工具。

在十九世纪初，美国有关法例限制银行办理保函业务，然而随着各项业务的发展，银行确有为客户提供保证业务的需要，因而产生了备用信用证。

由此可见，备用信用证就是一种银行保函性质的支付承诺。

在备用信用证中，开证行保证在开证申请人未能履行其应履行的义务时，受益人只要凭备用信用证的规定向开证行开具汇票，并随附开证申请人未履行义务的声明或证明文件即可得到开证行偿付。

备用信用证只适用《跟单信用证统一惯例》（500号）的部分条款。

备用信用证有如下性质：1、不可撤销性。

除非在备用证中另有规定，或经对方当事人同意，开证人不得修改或撤销其在该备用证下之义务。

2、独立性。

备用证下开证人义务的履行并不取决于：a.开证人从申请人那里获得偿付的权利和能力；b.受益人从申请人那里获得付款的权利；c.备用证中对任何偿付协议或基础交易的援引；d.开证人对任何偿付协议或基础交易的履约或违约的了解与否。

3、跟单性。

开证人的义务要取决于单据的提示，以及对所要求单据的表面审查。

4、强制性。

备用证在开立后即具有约束力，无论申请人是否授权开立，开证人是否收取了费用，或受益人是否收到或因信赖备用证或修改而采取了行动，它对开证行都是有强制性的。

备用信用证（STANDBY L/C）的种类：根据在基础交易中备用信用证的不同作用主要可分为以下8类：1．履约保证备用信用证（PERFORMANCE STANDBY）——支持一项除支付金钱以外的义务的履行，包括对由于申请人在基础交易中违约所致损失的赔偿。

2．预付款保证备用信用证（ADV ANCE PAYMENT STANDBY）——用于担保申请人对受益人的预付款所应承担的义务和责任。

备用信用证（Standby L／C）国际商会“UCP 500”规定，该惯例也适用于备用信用征。

备用信用证的定义和前述信用证的定义并无不同，都是银行（开证行）应申请人的请求，向受益人开立的，在一定条件下凭规定的单据向受益人支付一定款项的书面凭证。

所不同的是，规定的单据不同。

备用信用证要求受益人提交的单据，不是货运单据，而是受益人出具的关于申请人违约的声明或证明。

传统的银行保函有可能使银行卷入商业纠纷，美、日等国的法律禁止银行开立保函。

于是美国银行采用备用信用证的形式，对国际经济交易行为提供担保。

随着银行保函在应用中性质的变化，特别是1992年国际商会《见索即付保函统一规则》的公布，银行保函和备用信用证的内容和作用已趋一致。

所不同的只是两者遵循的惯例不同。

备用信用证运用于“UCP 600”，而银行保函则适用于上述《规则》。

备用信用证是担保银行向贴现或贷款银行承诺到期为借款方偿还债务，如果借款方到期偿还了贷款，那么，备用信用证就备而不用，如果，借款方到期不归还贷款，那么，备用信用证就起作用，担保银行就要为借款方向贷款银行偿还贷款。

备用信用证有无条件兑付信用证和有条件兑付信用证。

备用信用证样本1：T Bank of communications, SHENYING BranchFrom: XYZ BANKDate: 20 DECEMBER 2004Standby Letter of CreditWith reference to the loan agreement no. 2004HN028 (hereinafter referred to as "the agreement" ) signed between Bank of Communications, SHENYANG Branch (hereinafter referred to as "the lender" ) and LIAONING ABC CO., LTD (hereinafter referred to as "the borrower" )for a principal amount of RMB2,000,000 (in words),we hereby issue our irrevocable standby letter of credit no.810LC040000027D in the lender's favor for amount of the HONGKONG AABBCC CORPORATION which has its registered office at AS 8 FL. 2SEC. CHARACTER RD. HONG KONG for an amount up to UNITED STATES DOLLARS THREE MILLION ONLY.(USD3,000,000) which covers the principal amount of the agreement plus interest accrued from aforesaid principal amount and other charges all of which the borrower has undertaken to pay the lender. The exchange rate will be the buying rate of USD/RMB quoted by Bank of Communications on the date of our payment. In the case that the guaranteed amount is not sufficient to satisfy your claim due to the exchange rate fluctuation between USD and RMB we hereby agree to increase the amount of this standby L/C accordingly.Partial drawing and multiple drawing are allowed under this standby L/C.This standby letter of credit is available by sight payment. We engage with you that upon receipt of your draft(s) and your signed statement or tested telex statement or SWIFT stating that the amount in USD represents the unpaid balance of indebtedness due to you by the borrower, we will pay you within 7 banking days the amount specified in your statement or SWIFT. All drafts drawn hereunder must be marked drawn under XYZ Bank standby letter of credit no. 810LC040000027D dated 20 DECEMBER 2004.This standby letter of is credit will come into effect on 20 DECEMBER 2004 and expire on 09 DECEMBER 2005 at the counter of bank of Communications , SHENYANG branch.This standby letter of credit is subject to Uniform Customs and Practice for Document Credits(1993 revision) International Chamber of Commerce Publication No.500.备用信用证样本2：To: Bank of communications, SHENYANG BranchFrom: XYZ BANKDate: 20 DECEMBER 2004Standby Letter of CreditWith reference to the loan agreement no. 2004HN028 (hereinafter referred to as "the agreement" ) signed between Bank of Communications, SHENYANG Branch (hereinafter referred to as "the lender" ) and LIAONING ABC CO., LTD (hereinafter referred to as "the borrower" )for a principal amount of RMB2,000,000 (in words),we hereby issue our irrevocable standby letter of credit no.810LC040000027D in the lender's favor for amount of the HONGKONG AABBCC CORPORATION which has its registered office at AS 8 FL. 2SEC. CHARACTER RD. HONGKONG for an amount up to UNITED STATES DOLLARS THREE MILLION ONLY.(USD3,000,000) which covers the principal amount of the agreement plus interest accrued from aforesaid principal amount and other charges all of which the borrower has undertaken to pay the lender. The exchange rate will be the buying rate of USD/RMB quoted by Bank of Communications on the date of our payment. In the case that the guaranteed amount is not sufficient to satisfy your claim due to the exchange rate fluctuation between USD and RMB we hereby agree to increase the amount of this standby L/C accordingly.Partial drawing and multiple drawing are allowed under this standby L/C.This standby letter of credit is available by sight payment. We engage with you that uponreceipt of your draft(s) and your signed statement or tested telex statement or SWIFT stating that the amount in USD represents the unpaid balance of indebtedness due to you by the borrower, we will pay you within 7 banking days the amount specified in your statement or SWIFT. All drafts drawn hereunder must be marked drawn under XYZ Bank standby letter of credit no. 810LC040000027D dated 20 DECEMBER 2004.This standby letter of is credit will come into effect on 20 DECEMBER 2004 and expire on 09 DECEMBER 2005 at the counter of bank of Communications , SHENYANG branch.This standby letter of credit is subject to Uniform Customs and Practice for Document Credits(1993 revision) International Chamber of Commerce Publication No.500.。

備用信用證甲方：接證方乙方：開證方IT IS HEREBY AGREED THAT:茲同意：-1Party A is to arrange and/or establish the credit line through his or associate’s Funding Bank. Party A is to arrange the irrevocable joint signatory at the funding bank.甲方安排和/或通過其或其聯營公司的資金銀行建立信貸額度。

2Party B is to arrange and/or cause the issuance of such FINANCIAL INSTRUMENT from the Issuing Bank under international banking regulations and covenants.乙方根據國際銀行條例及公約，安排和/或開證銀行開出此金融工具。

3Once the hypothecated bank credit facilities are obtained by Party A or his associate from the Funding Bank as guaranteed by the FINANCIAL INSTRUMENT issued by Party B’s Issuing Bank, the said credit facilities shall be drawn down in the following manner:-當甲方或其聯營公司因獲得乙方開證銀行開出的金融工具擔保，從而於資金銀行取得抵押銀行信貸，則該信貸需按以下原則支款：-3.1The Credit Facilities to be drawn down by Party A will be atxx%of the face value of FINANCIAL INSTRUMENT.WHEREASboth “PARTIES” acknowledge and agreed that 15 days before maturityOR whichever date of the Bank Instrument, the Party A will be allowedto draw upon it whenever.甲方的信貸支款額為該金融工具面值的XX%。