备用信用证模板及练习
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备用信用证格式文本TO: ( ) (THE “LENDER”)FROM: BANK OF ZHENGZHOU CO.,LTDAT THE REQUEST OF ( ) (THE “APPLICANT”) WHICH HAS ITS REGISTERED ADDRESS AT ( ), WE, BANK OF ZHENGZHOU CO.,LTD, WITH OUR OFFICE AT ( ), HEREBY ISSUE IN YOUR FAVOUR THIS IRREVOCABLE STAND-BY LETTER OF CREDIT NO. ( ) AMOUNTING TO USD ( THE MAXIMUM AMOUNT ) (SAY UNITED STATES DOLLARS XXXX ONLY). 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 ( ) (THE “BORROWER”) , WHICH HAS ITS REGISTERED ADDRESS AT ( ) , UNDER THE FACILITY AGREEMENT (THE “FACILITY AGREEMENT”) WITH REFERENCE NO. ( ) DATED ( ) AMOUNTING TO USD ( ) (SAY:UNITED STATES DOLLARS XXXX ONLY) FOR THE PURPOSE OF ( ).UPON OUR RECEIPT OF YOUR DEMAND BY AUTHENTICATED SWIFT AT OUR COUNTER NOT LATER THAN THE EXPIRY OF THIS STAND-BY LETTER OF CREDIT, STATING THAT THE BORROWER HAS FAILED TO FULFILL ITS PAYMENT OR REPAYMENT OBLIGATIONS UNDER THE FACILITY AGREEMENT AND THE AMOUNT DRAWN BY YOU REPRESENTS THE UNPAID BALANCE OF INDEBTEDNESS DUE TO YOU BY THE BORROWER, WE SHALL WITHIN ( ) BANKING DAYS PAY YOU THE AMOUNT SPECIFIED IN EACH OF YOUR DEMANDS PROVIDED THAT THE AGGREGATE AMOUNT DRAWN UNDER THIS STAND-BY LETTER OF CREDIT SHALL NOT EXCEED THE MAXIMUM AMOUNT AFORESAID.EXCEPT AS EXPRESSLY STATED HEREIN, THIS STAND-BY LETTER OF CREDIT IS NOT SUBJECT TO ANY AGREEMENT, CONDITION OR QUALIFICATION. OUR OBLIGATIONS UNDER THIS LETTER OF CREDIT SHALL BE THE INDIVIDUAL OBLIGATIONS.ANY AMENDMENT OR MODIFICATION OF CONTENTS, OR, EXTENSION OR RENEWAL WITH RESPECT TO THE FACILITY AGREEMENT AFORESAID COULD ONLY BE MADE WITH OUR PRIOR WRITTEN CONSENT.THIS STAND-BY LETTER OF CREDIT SHALL COME INTO EFFECT ON ( )( DATE/MONTH/YEAR ) AND ITS AMOUNT SHALL BE REDUCEDCORRESPONDINGLY AS AND WHEN PAYMENTS THEREOF ARE MADE BY THE BORROWER PURSUANT TO THE FACILITY AGREEMENT OR BY US. THIS STAND-BY LETTER OF CREDIT SHALL EXPIRE AT OUR COUNTER ON THE EARLIER OF (I)( )( DATE/MONTH/YEAR ), (II)THE TIME WHEN THE SECURED SUMS UNDER THE FACILITY AGREEMENT AS ABOVE MENTIONED HAVE BEEN PAID IN FULL BY THE BORROWER, (III) THE TIME WHEN THERE IS NO AMOUNT REMAINING PAYABLE UNDER THIS STAND-BY LETTER OF CREDIT. UPON EXPIRY, THIS STAND-BY LETTER OF CREDIT SHALL AUTOMATICALLY BECOME NULL AND VOID WHETHER OR NOT IT IS RETURNED TO US FOR CANCELLATION.ALL NOTICES AND COMMUNICATIONS TO US SHALL BE SENT TO ( ) (SWIFT CODE) BY AUTHENTICATED SWIFT.ALL DEMANDS HEREUNDER MUST BE MARKED ''DRAWN UNDER BANK OF ZHENGZHOU CO.,LTD, STAND-BY LETTER OF CREDIT NO.( ) DATED( )''. PARTIAL DRAWINGS AND MULTIPLE DRAWINGS ARE ALLOWED.WE ENGAGE WITH YOU THAT ANY DEMAND UNDER AND IN COMPLIANCE WITH TERMS AND CONDITIONS OF THIS STAND-BY LETTER OF CREDIT SHALL BE DULY HONORED ON DUE PRESENTATION TO US.THIS STAND-BY LETTER OF CREDIT IS NOT TRANSFERABLE OR ASSIGNABLE AND IS SUBJECT TO UNIFORM CUSTOMS AND PRACTICE FOR DOCUMENTARY CREDITS (2007 REVISION) INTERNATIONAL CHAMBER OF COMMERCE PUBLICATION NO. 600.1BANK OF ZHENGZHOU CO.,LTD,1、此处适用的国际惯例也可选择INTERNATIONAL STANDBY PRACTICES ISP98。
备用信用证案例1.有关备用信用证的单证要求案情:I 银行开立了一张不可撤消备用信用证,该证经由 A 行通知受益人。
A 行告知受益人该证的到期地点在 I 行。
该证要求提交的单据有: 1.一开证行为付款人的即期汇票。
2.未支付的商业发票副本。
3.受益人授权代表的声明书,声明所附发票已向申请人要求支付,但已过期至少 30 天还未获得支付。
在该证到期前 5 天,申请人通知开证行称:证下已没有应付而未付帐款,开证行不得再在证下付款。
通知行在有效期的前一天用快邮代受益人寄给开证行下列单据:1.以开证行为付款人的即期汇票。
2.未获支付的商业发票副本,该发票副本未注明日期,所列交运货物的日期在交单前 15 天内。
3.备用信用证所要求提供的违约声明书。
在审核了全套单据后,I 行贷记了 A 行帐,借记了申请人之帐。
尽管申请人早已掌握了货物,他不同意借记其帐。
申请人称:1.他已事先通知 I 行,对受益人已没有欠款,因此 I 行不应支付。
2. I 行应意识到,尽管有如信用证要求的违约声明书申请人违约,但显然不可能有超过 30 天尚未付款的事情发生。
3.申请人要求立即冲回帐款。
I 行拒绝冲帐,该行认为该证的一切条件已予履行。
你认为I行做法是否正确,为什么?福费廷案例1. 信用证项下的福费廷业务案情:F 银行与X公司签订了福费廷协议。
200x 年10 月,F 银行收到W 国A 银行N 国分行开来的180 天远期信用证一份,受益人为该行客户X公司,金额为USD413000 ,装运期为 200x年11 月15 日。
200x 年11 月4 日,X公司发货后,通过F银行将货运单据寄交开证行,以换取开证行A 银行N 国分行担保的远期承兑汇票。
200x年12 月,X公司将包买所需单据包括“无追索权”背书的A 银行承兑汇票提交F 银行包买。
次年2 月,W国A 银行突然倒闭,A 银行N 国分行于同年3 月停止营业,全部资金被N 国政府冻结,致使F银行垫款无法收回,利益严重受损。
案例1 备用信用证的单证要求案情:I 银行开立了一张不可撤消备用信用证,该证经由A行通知受益人。
A行告知受益人该证的到期地点在I 行。
该证要求提交的单据有:1.一开证行为付款人的即期汇票。
2.未支付的商业发票副本。
3.受益人授权代表的声明书,声明所附发票已向申请人要求支付,但已过期至少30天还未获得支付。
在该证到期前5天,申请人通知开证行称:证下已没有应付而未付帐款,开证行不得再在证下付款。
通知行在有效期的前一天用快邮代受益人寄给开证行下列单据:1.以开证行为付款人的即期汇票。
2.未获支付的商业发票副本,该发票副本未注明日期,所列交运货物的日期在交单前15天内。
3.备用信用证所要求提供的违约声明书。
在审核了全套单据后,I 行贷记了A行帐,借记了申请人之帐。
尽管申请人早已掌握了货物,他不同意借记其帐。
申请人称:1.他已事先通知I 行,对受益人已没有欠款,因此I 行不应支付。
2. I 行应意识到,尽管有如信用证要求的违约声明书申请人违约,但显然不可能有超过30天尚未付款的事情发生。
3.申请人要求立即冲回帐款。
I 行拒绝冲帐,该行认为该证的一切条件已予履行。
分析:开证行不管申请人的反对,坚持凭受益人提交的单单、单证一致的单据付款是完全正确的,是完全符合《UCP600》的规定。
发票是否载有日期并不重要。
备用信用证没有要发票注明出具日,付款条件是提交违约声明证明发票已过期30天,也没有规定这个时段是从出票日、装运日还是交货日开始的。
尽管申请人声称并无违约,开证行也只能支付,这是根据《UCP600》的规则行事。
至于申请人在备用信用证到期前5天对开证行预先止付,开证行应对申请人说明,如真有理由相信将发生误述或欺诈行为,应依靠法律取得禁令或冻结令阻止开证行的支付。
国际商会银行委员会专家对此案的看法是:开证行的做法是正确的,并称在开立、通知及支款之前,有关方面应予注意、纠正、通知或修改如下问题:1.此证在开证行处可即期支款,并且不可议付。
AUTHENTICATED MT760 SBLC SPECIMEN VERBIAGE认证的MT760备用信用证样本ISSUING BANK: (NAME OF ISSUING BANK)开证行ADDRESS:地址PHONE:电话FAX:传真SWIFT CODE分行号BANK OFFICER:银行人员SBLC APPLICANT:备用信用证申请人RECEIVING BANK:收证行ADDRESS:地址PHONE:电话FAX:传真SWIFT CODE分行号BANK OFFICER:银行人员STANDBY LETTER OF CREDIT NUMBER:信用证号DATE OF ISSUE:开证日期DATE OF EXPIRATION:到期日BENEFICIARY:受益人ADDRESS:地址WE, HEREBY OPEN OURIRREVOCABLE,UNCONDITIONAL,TRANSFERABLE,DIVISIBLE,NEGOTIABLE, CASH BACKED STANDBY LETTER OF CREDIT IN YOUR FAVOR:XXXXXXXXXXXXXXXXXXXXXXXIN THE AMOUNT OF $500,000,000.00 (FIVE HUNDRED MILLION U.S DOLLARS) FOR THE ACCOUNT OF THE (LESSEE) COVERING: PERFORMANCE UNDER CONTRACT (REF NO:)兹开具不可撤销的,无条件的,可转让的,可分割,可承兑,现金支持的备用信用证以贵公司为受益人的:XXXXXXXXXXXXXXXXXXXXXXX总金额在$500,000,000.00为(承租人)账户的金额(五亿美元):合同下的(合同编号:)PAYMENT IS AVAILABLE UPON THE PRESENTATION OF BENEFICIARY'S FIRST WRITTEN DEMAND MARKED DRAWN UNDER STANDBY LETTER OF CREDIT ON XXXXXXXXXXX DATED ACCOMPANIED BY:由受益人第一书面要求标记的备用信用证在****日可支付附件BENEFICIARY'S STATEMENT THAT A PAYMENT DUE UNDER THE CONTRACT HAS NOT BEEN EFFECTED,THEREFORE THE AMOUNT DRAWN HEREUNDER IS DUE AND OWING.受益人陈述支付日期在合同未生效前,付款到期合同项下尚未实行,因此金额为本到期应付。
银行保函和备用信用证练习
一、选择题
1、银行保函涉及的基本当事人有( )。
A.两个当事人B.三个当事人C四个当事人D.五个当事人
2、在银行保函的当事人中,交易双方与相关银行间是一种契约关系,所以银行开立
保函的基础是委托人的( )。
A.合同的约定D.规章制度C.申请指示D.经济责任
3、就银行保函保证人承担的付款责任而言,银行付款的责任是( )。
A. 第一性的B.第二性的C.不负责任D.特殊情况的
4、银行保函属于( )。
A. 商业信用B.国家信用 C. 银行信用D.保险信贷
5、就备用信用证的开证银行承担的付款责任而言,银行付款的责任是( )。
A.第一性的B.第二性的 C.不负责任D.特殊情况的
1。
开立非融资类保函备用信用证协议(2023年版)1. 引言本文档是关于开立非融资类保函备用信用证协议的详细说明。
非融资类保函备用信用证协议旨在明确开立保函备用信用证的各项条款和条件,确保交易各方之间的权益和责任得到合理保障。
本协议适用于2023年的开立非融资类保函备用信用证交易。
2. 定义是本协议中使用的一些关键术语的定义:•开证人:指开立非融资类保函备用信用证的银行或金融机构。
•受益人:指享有非融资类保函备用信用证权益的个人、公司或组织。
•申请人:指向开证人发出请求开立非融资类保函备用信用证的个人、公司或组织。
•保函金额:指非融资类保函备用信用证的金额,即保函的最高负担金额。
•有效期:指非融资类保函备用信用证的有效期限,包括开证日期和截止日期。
3. 协议内容本协议包括主要内容:3.1 开立条件申请人须满足条件,方可申请开立非融资类保函备用信用证:1.提供有效的申请书;2.提供相关合同或协议;3.提供申请费用。
3.2 保函金额和有效期申请人在申请开立非融资类保函备用信用证时,需明确保函金额和有效期。
保函金额是指保函的最高负担金额,而有效期由开证日期和截止日期组成。
3.3 条款和条件开立非融资类保函备用信用证的具体条款和条件将在保函中明确规定。
这些条款和条件包括但不限于:1.相关文档要求;2.合同执行条件;3.变更和解除保函的程序。
3.4 保函的使用受益人在保函有效期内可以根据自身需要向开证人提出使用保函的请求。
开证人将根据保函中的约定,按照受益人的请求开立相应的保函。
3.5 变更和解除在保函有效期内,申请人有权向开证人提出变更或解除保函的请求。
开证人将根据申请人的请求,并经过双方协商达成一致,对保函进行相应的变更或解除。
4. 适用法律和争议解决本协议适用中国法律。
如发生本协议解释或执行方面的争议,双方应通过友好协商解决。
如经协商仍未解决,则将提交至相关仲裁机构进行裁决。
5. 其他条款任何与本协议相关的未尽事宜,双方需通过书面形式进行协商解决。
备用信用证模板
MT760报文模板
:27: 页数
:20: 编码
:23: ISSUE 表示开立保函;REQUEST 表示请求开立保函
:30:日期
:40C:适用规则
:77C:担保细节
AT THE REQUEST OF THE APPLICANT, WE,
(NAME OF THE BRANCH) BRANCH,
(ADDRESS OF THE BRANCH), HEREBY ISSUE THIS STANDBY LETTER OF
CREDIT AND IRREVOCABLY UNDERTAKE TO PAY YOU ANY SUM OR
SUMS NOT EXCEEDING IN TOTAL AN AMOUNT OF
(AMOUNT IN FIGURES) (SAY: AMOUNT IN
WORDS) (REPRESENTING (AGREED PERCENTAGE) %
OF THE CONTRACT PRICE) WITHIN (AGREED
NUMBER OF BUSINESS DAYS) BUSINESS DAYS UPON RECEIPT OF THE
AUTHENTICATED SWIFT DEMAND FROM YOU THROUGH YOUR BANK
STATING THAT:
YOUR DEMAND FOR PAYMENT MUST ALSO BE ACCOMPANIED BY THE
FOLLOWING DOCUMENT(S): (SPECIFY DOCUMENT(S) IF ANY, OR
DELETE)
(1)
(2)
(3)
(4)
SUCH GUARANTEE AMOUNT SHALL BE REDUCED BY THE AMOUNTS OF
THE ADVANCE PAYMENT REPAID TO YOU, AS EVIDENCED BY YOUR
NOTICES ISSUED UNDER CLAUSE(9) OF THE CONTRACT. FOLLOWING
RECEIPT FROM THE APPLICATION OF A COPY OF EACH PURPORTED
NOTICE, WE SHALL PROMPTLY NOTIFY YOU OF THE REVISED
GUARANTEED AMOUNT ACCORDINGLY.
THIS STANDBY LETTER OF CREDIT SHALL BECOME EFFECTIV FROM THE
DATE THAT SAID ADVANCE PAYMENT HAS BEEN CREDITED TO THE
APPLICANT’S ACCOUNT WITH YOUR BANK AND SHALL EXPIRE ON
(THE EXPIRY DATE). CONSEQUENTLY, ANY DEMAND
FOR PAYMENT UNDER IT MUST BE RECEIVED BY US AT
(NAME AND
ADDRESS OF OUR OFFICE) ON OR BEFORE THAT DATE.
UPON EXPIRY, THIS STANDBY LETTER OF CREDIT SHALL
AUTOMATICALLY BECOME NULL AND VOID WHETHER OR NOT IT IS
RETURNED TO US FOR CANCELLATION.
THIS STANDBY LETTER OF CREDIT IS SUBJECT TO
实例
2013年11月5日,A公司(A Co., NO.75, Elisabeth Street, London)与B公司(B
Co., Hefei, NO.369, West Changjiang Road, Economic Development Zone Hefei)签
订编号为CTB22的合同,从B进口价值GBP162,000.00的货物,A公司预先支
付10%的货款,B公司在收到预付款后发货。但A公司要求B公司提供备用信
用证作为担保,保证其收到预付款后履行合同,否则A公司可通过备用信用证
索偿预付款。B公司通过Bank of China, Anhui(地址:安徽合肥市长江中路313
号国际结算部)开立备用信用证给A公司,请你以开证行身份开立备用信用证。
(备用信用证证号:15789, 开立时间:2013年11月20日,截止日: 2014年
6月30日,汇票受票人:drawn on at sight on issuing bank, 兑用方式: by payment,
货物名称: Photographic Equipments, 500 pieces, Model: 1245, 索偿书要求显示:
You (beneficiary) have made advance payment (GBP16,200.00) to B Co., and have
not received the goods within 30 days of the invoice date. 受益人所需提交的单据
有: paid invoice ( value amount to GBP16,200.00)和汇票,本证依据ISP98开立。)