泛亚电竞

外保内贷新演进

发布:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 2013-12-01 10:30 来源:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 《中国外汇》2014年第22期 作者:王勇
以备用证作为保证形式的外保内贷业务,不仅要符合跨境担保外汇管理新规的要求,更要严格审核备用证的担保条款。

案例备用证概况

泛亚电竞 2014nian6yue,xiandiqumouzhongziqiyemxiangmouxingxianfenxingbtichuwaibaoneidaiyewushenqing,yixianggangmouxinghkailidebeiyongxinyongzhengzuobaozhengdanbao。beiyongzhengjibenqingkuangruxia:

泛亚电竞 40e applicable rules

ucp latest version

泛亚电竞 (beiyongzhengshiyongguize 《gendanxinyongzhengtongyiguanli》zuixinbanben)

31d date and place of expiry

150705 hongkong

(beiyongzhengxiaoqi2015nian7yue5ri,xiaodiweixianggang)

50 applicant

a company for a/c of g company

(shenqingrenweiagongsi〔dailiggongsishenqingkaizheng〕)

59 beneficiary

m company

泛亚电竞 (shouyirenweimgongsi)

32b currency code, amount

泛亚电竞 usd300000

(beiyongzhengjineusd300000)

41a available with ... by ...

h bank by payment

(beiyongzhengzaikaizhengrenh yinxingjiqifukuanduiyongyouxiao)

46a documents required

at the request of applicant, we hereby irrevocably andunconditionally (except as stated herein) undertake to pay the beneficiary on their first demand in writing against written and signed statement at our counter the sum of usd300,000.00 (say united states dollars three hundred thousand only) provided the demand in writing is accompanied by the beneficiary's written and signed statement that the amount demanded is due and owing under the sales contract no. yim/gaf/300k/14 dated 16 june 2014 between beneficiary m company and g company and the demand in writing bears authorized signature of a company on the signed confirmation and whose signature must be verified by l/c issuing bank prior to the presentation ...

泛亚电竞 this standby letter of credit shall be subject to ucp latest version and shall be governed by and construed in accordance with the laws of the government of the hongkong special administrative region of china...

泛亚电竞 (xiangguandanjuyaoqiuwei: yingkaizhengshenqingrenqingqiu,fanyadianjingbukechexiaobingwutiaojiandi〔chufeixiashutiaojianweimanzu〕chengnuo,yidanshouyirenmjiangjineweiusd300,000.00deshumianqianzidesuochangshujishengmingshutijiaodaofanyadianjingxing,bingqiegaishumianshengmingshushengminggaibisuochangjineweiggongsiyushouyirenmyu2014nian6yue16riqianshudebianhaoweiyim/gaf/300k/14hetongxiangxiayingfukuanxiang,shumiansuochangshuyaoxianshiagongsideshouquanqianzi,qiezaishangshudanjutijiaozhiqianagongsideshouquanqianziyaojingkaizhengrenzhengshi,manzuyishangtiaojian,fanyadianjingxingjiangjiqizhifukuanxiangjishouyirenm……

gaibibeiyongxinyongzhengzunxunucpzuixinbanbenbingshouzhongguoxianggangtequzhengfufalvyueshu……)

外保内贷备用证的特性

泛亚电竞 cibiwaibaoneidaidanbaodaikuanyewushiyoujingwaiyinxingkailidebeiyongxinyongzheng——yinxingdanbaohandexingshi,weijingneijiekuanrentigongdaikuandanbao,yineryutongchangderenminbixindaiyouzhuduobutongdetexing。zheishiyouwaihui、waizhaiguanlizhengce,beiyongxinyongzhengheguojiguanlidengzongheyinsujuedingde。

泛亚电竞 texingyi,waihuidanbaoshuxing。beiyongzhengyiwaibibiaojia,shuwaihuidanbao,xuyaonaruwaizhaiguanli。

texinger,dulidedisanfangxinyongbaozheng。beiyongzhengdanbaodeshizhishijiekuanhetongdangshiren(zhaiquanren、zhaiwuren)zhiwaidedisanfangdangshirenweikaizhengrentigongxinyongbaozheng,danbutongyuyibanyiyishangdedisanfangbaozheng。qiwulunshizaidanbaodeyouxiaoxinghaishidanbaoshilifangmian,junyouyuqitaxinyongbaozheng。tixianzai:

泛亚电竞 (1)yinxingxinyong。baozhengrenshiyinxing,erbushiyibandegongshangqiye。yinxingxinyongyushiliyibangaoyuhouzhe。

(2)diyixingfukuanzeren。zhiyaoshouyirenlvxinglexinyongzhengguidingdeyiwuhetiaojian,jiukexiangkaizhengxingsuochang。zheishiyuyibandisanfangliandaizerenbaozhengdezhongyaoqubie。

泛亚电竞 (3)danbaodedulixing。beiyongzhengjiyujiekuanxieyikaili,danduliyucijichujiaoyi。yinxingbushoushenqingrenyuqitaguanxirenchanshengjiufendeyueshu,yinxingjinpingxinyongzhengdemiaoshuheyaoqiuchulixinyongzhengxiangxiadanjudezerenyuyiwu,shuyudulixingbaozheng。eryibandedisanfangbaozhenghetongshuyucongshuxingbaohan,tayijichujiaoyihetongdecunzaiyuzhixingzhuangkuangweishengxiaoyiju,shizhuhetongdeconghetong。zheizhongyifuxingjuedingledanbaorenbunengdulidichengdanbaozhengzeren,erzhinengyijuzhuhetongjiqizhixingzhuangkuanglaiquedingdanbaozerendefanweiyuchengdu,qifukuanzerenjuyouxiangdangdebuquedingxing。

texingsan,shewaidanbaoshuxing。jingwaiyinxingtigongdanbaoshuyushewaidanbao,jiufendejiejuewangwangshejiguoneiwaiyinxingheguojizhongcaijigou。erzhongcaihuofayuanpanjuedeyijuzhuyaoshiguojiguanli。

案例备用证分析

ruguowaibaoneidaixiangxiadejiekuanrendaoqiguihaiyinxingdaikuan,zegaibeiyongzheng“bei”erbuyong;danzaijiekuanrenbunengdaoqiguihaiyinxingdaikuanshi,jiuhuizhijieyinfabeiyongzhengdefukuanjizhi——zhiyaodaikuanyinxingtigongyubeiyongzhengxiangfudesuochangdanju,kaizhengxingbianxuchengdanbukechexiaodediyixingfukuanzeren。yincizheibiwaibaoneidairongziyewushejidaokuajingdanbaoxinguijibeiyongzhengdanbaodeyouxiaoxing。benwenjiangfenbiecongkuajingdanbaoxinguihebeiyongzhengdanbaodeyouxiaoxinglianggecengmianyuyifenxi。

跨境担保新规

guojiawaihuiguanlijuyu2014nian6yue1rizhengshichutaile《kuajingdanbaowaihuiguanliguiding》(huifa〔2014〕29hao,jiancheng“xingui”)。anzhaoxinguideguiding,kuajingdanbaoyizhaodanbaodangshigefangdezhucedihuafenweineibaowaidai、waibaoneidaiheqitaxingshikuajingdanbao。qizhongdewaibaoneidai,zhidanbaorenzhucedizaijingwai、zhaiwurenhezhaiquanrenzhucedijunzaijingneidekuajingdanbao(jutijianfutu)。

1.png

xinguiquxiaolehenduoshiqianshenpiheeduguanlixianzhi,daizhiyishihoudengjiguanli,jidatishenglewaibaoneidaiyewudelinghuoduhekecaozuoxing。congmuqiankuajingdanbaoxinguidejiaodulaifenxi,cibiwaibaoneidaiyewukefenweisangejieduan:

zhaiquanrenqianyuedengji。jiyouzhaiquanrenxiangwaihuijuzibenxiangmuxinxixitongbaosongwaibaoneidaidexiangguanshuju。gaihuanjiedezhongdianzaiyuqianyuezhiqianzhaiquanrenyaoduizhaiwurenyibanliwaibaoneidaiyewudezhaiwuweiyue、waizhaidengjijizhaiwuqingchangqingkuangzuojinzhidiaocha。zaizhaiwurenweichangqingduijingwaidanbaorendezhaiwuzhiqian,zuoweizhaiquanrendejinrongjigoubudeweiqibanlixindewaibaoneidaiyewu。ruguojinrongjigouweifanshangshuwaihuiguanliguiding,jianghuimianlinxiangguanfaguidechufa。

zhaiwurenweiyue。jizaiwaibaoneidaixiangxiaxindaizijindaoqizhirihuozhiqianzhaiwurenwufachanghai。cihuanjiehuidaozhijingwaidanbaorenyijingwaizijinlaiguihaigaibixindaizijin,jidanbaorendanbaolvyuejieduan。ruguozhaiwurenanshiguihaileyinxingdaikuanzijin,zewaibaoneidaiyewuliuchengzhicizhongzhi。

泛亚电竞 danbaorenlvyue。xinguiguiding: jinrongjigoubanlijingwaidanbaolvyuekuanjiehui(huogouhui)yewu,jidanbaolvyuezijinyudanbaoxiangxiazhaiwutikuanbizhongbuyizhierxuyaobanlijiehuihuogouhuide,yingdangxiangwaihuijuzibenxiangmuguanlibumentichushenqing。jinrongjigouzuoweizhaiquanrenqiandingdaikuandanbaohetongshiwuweiguixingweide,waihuijukepizhunqidanbaolvyuekuanjiehui(huogouhui)。keyikanchu,duiyujingwaidanbaolvyuezijindeliuru,waihuijurengyaojinxingshidangdeshenpiganyu;erneibaowaidaixiangxiajingneidanbaolvyuezijindeliuchu,waihuijuzeshibujinxingshenpiganyude。congcidiankeyikanchu,dangqianjieduanzaiwaihuiguanlizhengcelingyunei“fangliuchu、xianliuru”deguanlisilu。

备用证担保的有效性

waibaoneidaiyewushizhishangshiyoujingwaikaizhengxingdulichengdandiyixingfukuanzerendewaihui、xinyongbaozhengdaikuan,qidanbaodeyouxiaoxingwangwangjuedingleyewudefengxianchengdu。yinci,duibeiyongzhengtiaokuanyingyangejiayishenhe。erzaishenhezhong,yixiawentixiandeyouqiguanjian。

yishibeiyongzhengdanbaobiaodeshifoucunzaicuopei,zheiguanxidaojingneidaikuanyinxingdezhaiquanshifounengdedaobaozhang。waibaoneidaiyewuxingzhijuedinglebaozhengxingshiweirongzixingdanbao,jidanbaobiaodeweijinrongjigoutigongderongzi。ruguojingneijiekuanrenbunenganshiguihaidaikuan,daikuanyinxingzuoweirongzibeiyongxinyongzhengxiangxiadeshouyirenyouquanpingguidingdanjuxiangkaizhengxingsuochang,erhouzhezeyouyiwuchangfujiekuanrensuoqiandaikuan。dancongbenanlilaikan,gaibeiyongzhengdanbaobiaodeweijichumaoyixiangxiaggongsideyingfukuanxiang,jiggongsiruguozaixiaoshouhetongguidingdefukuanqiweifukuan,zejingwaiyinxingyouyiwuchangfushouyirenmgongsidehuokuan,zheiyuwaibaoneidaiyewuyaoqiuderongzixingbeiyongzhenglvchunbuduimazui,genbenwufabaozhangrongziyinxingdezhaiquan。yinci,jianyigaibeiyongzhengxiangguantiaokuanyingzuoruxiaxiugai:

泛亚电竞 beneficiary: b bank

泛亚电竞 at the request of applicant,we hereby issue our irrevocable standby letter of credit no._____in your favor for a sum or sums not exceeding in the aggregate us$________(u.s.dollars______only) to cover your extending the credit facility to(b bank’s customer name &address)

(shouyirenwei: byinxing

泛亚电竞 yingkaizhengshenqingrenqingqiu,fanyadianjingbukechexiaodikailiyibyinxingweishouyiren、bianhaoweixxdebeiyongzheng,jineweihuobuchaoguoxxmeiyuan,yidanbaonixingtigongjimgongsidexindairongzi。)

泛亚电竞 suochangshengmingshudeshengmingneirongxiangyingdiaozhengwei:

your signed written statement certifying that the amount drawn hereunder represents the unpaid indebtedness and interest thereon due to yourselves arising from granting credit facility to (b bank’s customer name)

(shouyirentigongshumianqianzideshengmingshu,shengminggaibeiyongzhengxiangxiasuochangjineweinixingtigongjimgongsideweichanghaidaikuanbenxi。)

泛亚电竞 ershibeiyongzhengshifoucunzairuantiaokuan。guojiyinxingjiejingchangquanzuxinyongzhengdekaizhengxingzaixinyongzhengneibuyaojialieshouyirenbunengkongzhidetiaokuancongerxueruoshouyirendediwei,shifukuanshouzu,xueruoxinyongzhengdechengnuo。zheizhongtiaokuanyoushiyechengweiruantiaokuan(soft clause)。benanlizhongdebeiyongzhengjiucunzairuantiaokuan: “shumiansuochangshuyaoxianshiagongsideshouquanqianzi,qiezaishangshudanjutijiaozhiqianagongsideshouquanqianziyaojingkaizhengrenzhengshi。”zheizhongtiaokuankedaozhishenqingrenduifukuandekongzhi,shishouyirenbunengkongzhijiaodan,rongyifashengyanwujiaodanshenzhiwufatigongguidingdanjudengshizhixingbufudian。qizhijiejieguojiushi: jingwaidanbaoyinxingyibufudianjufu,baituoqidiyixingfukuanzeren。duiyugaitiaokuan,shouyirenyinggaiyaoqiuxiugaihuoquxiao。

泛亚电竞 sanshiruhexuanzebeiyongzhengdeshiyongguize。ucp600diyitiaoduibeiyongzhengshiyongwentijinzuolegaikuoxingdeguiding: zaiucp600keshiyongdefanweinei,baokuobeiyongxinyongzheng。duici,guojishanghuiicc511wenjianyezhichu,bixuchengren,duiyizhangbeiyongxinyongzhenglaishuo,ucpdabufentiaowenjunbushiyong。neimenaxieshiyong,naxiebushiyong,jiuxuyaogenjubeiyongzhengdexingzhihejutiqingkuanglaijueding。congbenanlibiaomianlaikan,shiyongguizeweiucp latest versionsihumeiyouwenti,danshijishangxuanzeisp98kailidebeiyongzhengduiyubaohushouyirendequanyigengweiyouli。jutieryan,shouxian,isp98kechongfenbaozhengkaizhengrenyushouyirenguanxidedulixing,kaizhengrenduishouyirendeyiwu,buhuishoudaorenheshiyongdexieyi、guanlihefalvxiakaizhengrenduishenqingrendequanliheyiwudeyingxiang。zheiyouzhuyujianshaoshouyirendequanlishouyouguanjingwaifalvdeyingxiang。qici,isp98duishouyireneryanyouhenqiangdelinghuoxing,ruzaishouyirendanjujitishidexingshishang,jiyouzhihuaxingshi,yeyoudianzijiluxingshi;zai“xiugaide”guidingfangmian,yeyouhenqiangdelinghuoxing。zuihou,isp98haiyoubushaotuchuduishouyirenbaohudeguiding,ruzaifashengyingyeritingyeshi,guizejishouyirenyikuansongdebujiuqijian。yinci,jianyigaibeiyongzhengcaiyongisp98guojiguanlikaili。

案例启示

muqian,beiyongzhengyifazhanweiyigeyouzhuanmenguojiguifande、chengshudeguojijinrongchanpin。beiyongzhengyoulvyue、jinrong、zhijiefukuandengleixing。qizhong,yidaikuandanbaoweimudedebeiyongzhengshuyurongzixingbeiyongzheng,shouyirenyibanshiyinxing。shenchabeiyongzhengyaosushibeiyongzhengdaikuandezhongxinhuanjiezhiyi。

泛亚电竞 shouxian,chushenchayibanyaosuwai,beiyongzhengguanjianyaokanshifouyouguanyuyu“rongziyewu”xiangguanliandetedingmiaoshu。jianyuqijibengongnengshigouchengkaizhengxingduidanbaoxiangxiarenminbidaikuanbenxijifeiyongdeanqizuechanghai,yincibeiyongzhengbixuyudaikuanzhijieguanlian;ciwai,beiyongzhenghaiyaoyinyongdaikuanxieyihaoma、jiekuanren、daikuanjine、daikuanbizhongjilixiyuedingdengrongzineirong,bingxuyujiekuanhetongyizhi。

qici,guanzhuxinyongzhengxiaoqiheyouxiaodi。xinyongzhengxiaoqibujinshijiekuandeqixian,haijuedingle“suochangyaoqiu”tijiaodanjudeqianfarihedanjutishiridezuihouqixian;eryouxiaodizeshixinyongzhengtijiaodanjudedidian,ruyaoqiuyouxiaodizaishouyirensuozaidi,youliyukongzhizhidan、tishi、suochangdenghuanjiedejishi、youxiaoxing,guibikenengyinjidan、suohuiyanwucuoguoxiaoqidefengxian。

zaici,waibaoneidairongziyewujibenwaibiyewuyuyishen,huishoudaoxindai、waihuizhengce,yijixinyongzhengheguojiguanlidengduozhongzhiyue,zhengcexingqiang、guojixingtezhengtuchu,shuyuyinxingjiaofuzadeyewu。yinci,zaikaizhengrenzizhishenchashang,yibanyaoqiukaizhengrendeshiliqiang、xinyudugao,zuihaoshiyushouyirenyouyewuwanglaidedailixing,bingyoutongyeshouxinedu。

zuihou,xindaifengxianguanlishixindaigongzuoyonghengdezhuti。yinci,zaizunshoudangqiankuajingdanbaowaihuiguanlixinguideqiantixia,duikehudemaoyi、shengchanbeijinghechanghainenglideshencha,rengshibiyaohuanjie,rengyaojianchidiyihaikuanlaiyuanyuanze。

 

作者单位: 宁夏银行国际业务部

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