15备用信用证概要.pptVIP

编注：此文件系任课教师智慧结晶，仅上传便于于同学们学习交流 第十五章 备用信用证 P440 Commercial Standby Letter of Credit 第一节 备用信用证的产生和发展 一、备用信用证的解释（即定义） “承诺是独立的承担责任，在国际惯例中被认为是独立保函和 是备用信用证，由银行或其他机构开立，根据简单要求或要 求伴随其他单据、与承诺条款及任何跟单条件相符，向受益 人支付一定的或确定的金额表明或推断付款是应该支付的， 因为违背了应履行的责任，或因为另一个偶然事故，或因为 借款或预付款项，或因为任何由于委托人或申请人承担债务 的到期。” ●备用信用证独立承诺的三个特点 1、是一个独立的文件； 2、开证行承担第一性付款责任； 3、凭受益人提交的单据符合该证的条款和条件，即应付款给受益人。 二、备用信用证的产生和 备用信用证样式 ◆ STANDBY L/C 起源于美国,根据美国联邦银行法的规定,在美国的商业银行不得开出保函.为了满足客户提出代其担保的要求,美国的银行就开立了是保函性质的备用信用证,由此在美国产生了备用信用证,目前美国以外的部分国家也采用备用信用证,而不用保函.(我国银行界均采用保函.) ◆ 特别注意:这种信用证仅在申请人不能履约时,才有支付作用,如果已经履约就无需支付了.故称其为备用信用证. ◆ 备用信用证的样式: Performance Standby Credit NAME OF ISSUING BANK First Union Trust Bank of Dallas PLACE AND DATE OF ISSUE Dallas, 20 July,2006 IRREVOCABLE STANDBY CREDIT Date and place of expiry, Cairo,30 Nov.,2006 NUMBER 45612 Applicant Ewing Oil Company Inc. 2425 John Ross Avenue, Dallas,Texas. Beneficiary Advising Bank United Arab Pipelines Co., Bank of Nile, Cairo. Farouk Palace Square, Amount Alexandria,Egypt. USD1 000 000.00 Partial Shipments □ allowed □ not allowed Transhipment □ allowed □ not allowed Shipment / dispatch / taking in charge from / at ____________ for transportion to ______________ Credit available with : Bank of Nile Cairo by □ PAYMENT □ ACCEPTANCE □ NEGOTIATION against presentation of the documents detailed herein □ and of Beneficiary’s drafts at sight drawn on Bank of Nile,Cairo. Signed statement of United Arab Pipelines Co. That Ewing Oil Company Inc. failed to perform its contractual obligation under the agreement conducted on 30 June,2006 between Ewing Oil Company Inc. and United Arab Pipelines Co. in which Ewing Oil Company Inc. was the successful bidder. Special Conditions: It is agreed upon that