保函讲座(条款风险)120718.ppt

保函培训条款风险分析,张迎春,1,一、保函的定义,保函（LETTEROFGUARANTEE)是指银行、或担保公司、保险公司，或其他金融机构以及商业团体或个人（统称担保人），应某商业交易的一方当事人、或曰某种合约关系、某种经济关系的一方（即申请人）的要求，以其自身的信誉向商业交易的另一方、或曰某种合约关系、某种经济关系的另一方（也即受益人）为担保该商业交易项下的某种责任或义务的履行而做出的一种具有一定金额、一定期限、承担某种支付责任或经济赔偿责任的书面付款保证承诺。（注：本讲座所指保函均为独立性担保）,2,二、保函的开立方式,2.1直开所谓“直开”，是指担保银行应作为合同一方当事人的申请方之请求，径向合同的另一方开立以其为受益人的保函，并凭此直接向该受益人承担支付担保责任的行为。“直开”，就保函的传递方式上来说，又可分为担保银行开立保函后将其直接寄交或由申请人自行带交受益人（信开）和转请另一家银行通知给受益人这两种形式（一般为电开），即所谓“直交”和“转交”（或称“转递”）的做法。注意：通知行的选取：须与我行有SWIFT密押关系,3,二、保函的开立方式,2.2转开“转开”是指银行或其他金融机构应其客户的要求，根据合同的有关规定、以及受益人所在国的惯常做法，以提供反担保的形式来委托另一家银行或金融机构（通常为受益人所在地的银行和金融机构）代其出具保函，并由后者向受益人承担付款责任的行为。一般中东地区、东南亚地区、北非地区受益人常要求转开保函。注意：转开行的选取：须与我行有代理关系，在有多家代理行可供选择的情况下，尽量选取信誉度高的银行，同时还要考虑转开费率等综合因素，以降低申请人财务成本。,4,三、保函的种类,从保函项下的支付前提的不同来看，保函可分为非融资类保函（信用类）和融资类保函两大类。3.1非融资类保函3.1.1投标保函（TENDERGUARANTEE或称BIDBOND）投标保函是指在以招标方式成交的购买和承建项目中，招标方为了达到制约各投标人行为的目的而要求投标人通过其往来银行所出具的一种书面付款保证文件。该金额数通常为投标人报价总额的1%5%不等。,5,三、保函的种类,3.1.2履约保函（PERFORMANCEGUARANTEE或称PERFORMANCEBOND）这是指担保人或担保银行应供货方或劳务方和承包人的请求而向买方或业主方所作出的一种履约保证承诺。该金额通常为合同总额的10%-15%不等。,6,三、保函的种类,3.1.3预付款保函（ADVANCEPAYMENTGUARANTEE）顾名思义，预付款保函就是指买方或业主预先支付给供货方或劳务方和承包人一笔启动资金，担保人或担保银行根据供货方或劳务方和承包人的请求，向受益人出具相应保函保证其按合同要求履约，受益人一般在收到预付款保函后即支付预付款项。该金额通常为合同总额的10%-15%不等。,7,三、保函的种类,3.1.4质量保函（QUALITYGUARANTEE）和维修保函（MAINTENANCEGUARANTEE）质量保函和维修保函是指担保人或担保银行就合同标的物的质量所出具的一种担保，凭以保证供货方所提供的货物和承包方所承建的工程项目在一定时间（即保修期或称维修期）内符合合同所规定的规格和质量标准。该金额通常为合同总额的5%。,8,三、保函的种类,3.1.5预留金保函（RETENTIONMONEYGUARANTEE）预留金保函又称留滞金保函，它是对合同价款中尾欠部分款项的提前支取行为所作出的归还承诺担保。该金额通常为合同总额的5%。,9,三、保函的种类,3.1.6付款保函（PAYMENTGUARANTEE）付款保函，顾名思义，是对合同某一方在合同项下的付款责任所作出的担保，它是由买方或业主方通过其往来银行向卖方或承包方所出具的一种旨在保证货款支付或承包工程进度款支付的付款保证凭信。,10,三、保函的种类,3.1.7其他保释金保函（BAILBOND或称BAILGUARANTEE）海关免税保函（DUTY-FREEGUARANTEE）租赁保函（LEASINGGUARANTEE）票据保付保函提货担保（SHIPPINGGUARANTEE）费用保付保函（PAYMENTGUARANTEEFORCOMMISSIONORANYOTHERCHARGES）海关免税保函（DUTY-FREEGUARANTEE）,11,三、保函的种类,3.2融资类保函3.2.1借款保函（LOANGUARANTEE或SECURITYFORACREDITLOAN）这是指银行或其他金融机构应借款人的要求，向贷款银行或其他贷款人所出具的一种旨在保证借款人按照借贷合约的规定按期向贷款方归还所借款项以及支付由此而产生的利息的付款保证承诺。,12,三、保函的种类,3.2.2透支保函（OVERDRAWNGUARANTEE，或称OVERDRAFTFACILITYGUARANTEE）透支保函是指银行或其他金融机构对另一家银行或金融机构所给予申请人一方的透支便利所作出的偿还责任担保，用以保证申请人将依照其与该家账户透支行签订的透支协议里规定的到期时间归还所借支的款项、或偿付该账户透支行所给予的其他透支便利。,13,三、保函的种类,3.2.3其他延期付款保函（DEFERREDPAYMENTGUARANTEE）（注：根据国家外汇管理局关于境内机构对外担保管理问题的通知汇发201039号，延期付款保函属于非融资类保函，与期限无关）补偿贸易保函（GUARANTEEFORCOMPENSATIONTRADE）来料加工保函,14,四、保函格式,4.1保函的基本格式保函的基本要素有：4.1.1保函的受益人名称及其地址；4.1.2保函的申请人名称及其地址；4.1.3保函的担保人名称及其详细地址；4.1.4保函的种类及保函的担保目的；4.1.5保函开立背景：即与保函相关的合同号/标号/相关的项目名称等；4.1.6保函币种和金额；4.1.7保函的担保期限；4.1.8保函的赔付条款。,15,四、保函格式,4.2几种常见保函格式的介绍4.2.1投标保函4.2.2履约保函4.2.3预付款保函4.2.4反担保函4.2.5船舶还款保函4.2.6保函格式小结,16,四、保函格式投标保函,4.2.1投标保函：TenderGuarantee背景介绍：Wehavebeeninformedthat(hereinaftercalled“thePrincipal”),respondingtoyourinvitationtotenderNo.datedforthesupplyof(descriptionofgoodsand/orservices),hassubmittedtoyouhisofferNo.Dated.Furthermoreweunderstandthat,accordingtoyourconditions,offersmustbesupportedbyatenderguarantee.,17,四、保函格式投标保函,保函金额、承诺和索赔条件:AttherequestofthePrincipal,we,TheExport-ImportBankofChina,HeadOffice,BankingDepartment,havingourregisteredofficeat_herebyirrevocablyundertaketopayyouanysumorsumsnotexceedingintotalanamountof(say)uponreceiptbyusofyourfirstdemandinwritingandyourwrittenstatementstatingthatthePrincipalisinbreachofitsobligation(s)underthebidconditionsduetooccurrenceofanyofthefollowingevents:,18,四、保函格式投标保函,违约事件1.ThePrincipalwithdrawsitstenderduringtheperiodoftendervalidityspecifiedintheTenderDocuments;or2.ThePrincipal,havingbeennotifiedoftheacceptanceofitstenderbyyou,duringtheperiodoftendervalidity,failsorrefusesto:a)executetheContract;orb)furnishthePerformanceGuarantee,inaccordancewiththeTenderDocument.,19,四、保函格式投标保函,索赔文件真实性Yourdemandandaccompanyingdocumentsshallbeforwardedtousthroughyourbankforverificationofyourauthorizedsignaturethereon.,20,四、保函格式投标保函,有效期（含生效条款）和索赔时效条款Thisguaranteeshalltakeeffectfrom(bidopeningdate)andremaininforceupto30(thirty)daysaftertheperiodofbidvalidity,oruntil(calendardate),whicheveroccursearlier,afterwhichthisguaranteeshallbeautomaticallyceasetobevalidwhethertheoriginalofthisguaranteeisreturnedtousornot.Consequentlyanydemandforpaymentunderitmustbereceivedbyusatthisofficeonorbeforethatdate.,21,四、保函格式投标保函,适用法律/惯例AnydisputeovertheinterpretationoftheconditionofthisLetterofGuaranteeshallbesubjecttotheUniformRulesforDemandGuarantees,ICCPublicationNo.758.注：适用法律可以不写，在该项空白时，一般适用于担保人营业地所在国法律。我行的直开保函一般都不加具本条款，意味着适用中国法，但仍不可一概而论。尽量避免适用中东、东南亚和一些不发达国家法律。,22,四、保函格式履约保函,4.2.2履约保函:PerformanceGuarantee背景介绍：Wehavebeeninformedthat(hereinaftercalled“thePrincipal”),hasenteredintocontractNo.datedwithyou,forthesupplyof(descriptionofgoodsand/orservices).Furthermoreweunderstandthat,accordingtotheconditionsofthecontract,aperformanceguaranteeisrequired.,23,四、保函格式履约保函,金额、承诺(无条件见索即付）和索赔单据AttherequestofthePrincipal,we,TheExport-ImportBankofChina,HeadOffice,BankingDepartment,havingourregisteredofficeat_herebyirrevocablyundertaketopayyouanysumorsumsnotexceedingintotalanamountof(say)uponreceiptbyusofyourfirstdemandinwritingandyourwrittenstatementstating:,24,四、保函格式履约保函,违约事件1.thatthePrincipalisinbreachofhisobligation(s)undertheunderlyingcontract;and2.therespectinwhichthePrincipalisinbreach.,25,四、保函格式履约保函,其他索赔单据及对索赔单据真实性要求Yourdemandforpaymentmustalsobeaccompaniedbythefollowingdocument(s):(specifydocument(s),ifany)Yourdemandandaccompanyingdocumentsshallbeforwardedtousthroughyourbankforverificationofyourauthorizedsignaturethereon.,26,四、保函格式履约保函,有效期（含生效条款）和索赔时效条款Thisguaranteeshallbecomeeffectiveupontheeffectivenessoftheunderlyingcontract/receiptbythePrincipalofMasterLetterofCreditspecifiedintheunderlyingcontract.Thisguaranteeshallexpireon(calendardate)atthelatest,afterwhichthisguaranteeshallbeautomaticallyceasetobevalidwhethertheoriginalofthisguaranteeisreturnedtousornot.Consequentlyanydemandforpaymentunderitmustbereceivedbyusatthisofficeonorbeforethatdate.,27,四、保函格式履约保函,适用法律/惯例AnydisputeovertheinterpretationoftheconditionofthisLetterofGuaranteeshallbesubjecttotheUniformRulesforDemandGuarantees,ICCPublicationNo.758.注：适用法律可以不写，在该项空白时，一般适用于担保人营业地所在国法律。我行的直开保函一般都不加具本条款，意味着适用中国法，但仍不可一概而论。,28,四、保函格式预付款保函,4.2.3预付款保函：AdvancePaymentGuarantee背景介绍：Wehavebeeninformedthat(hereinaftercalled“thePrincipal”),hasenteredintocontractNo.datedwithyou,forthesupplyof(descriptionofgoodsand/orservices).Furthermoreweunderstandthat,accordingtotheconditionsofthecontract,anadvancepaymentinthesumofistobemadeagainstanadvancepaymentguarantee.,29,四、保函格式预付款保函,金额、承诺(无条件见索即付）和索赔单据AttherequestofthePrincipal,we,TheExport-ImportBankofChina,HeadOffice,BankingDepartment,havingourregisteredofficeat_herebyirrevocablyundertaketopayyouanysumorsumsnotexceedingintotalanamountof(say)uponreceiptbyusofyourfirstdemandinwritingandyourwrittenstatementstating:,30,四、保函格式预付款保函,违约事件1.thatthePrincipalisinbreachofhisobligation(s)undertheunderlyingcontract;and2.therespectinwhichthePrincipalisinbreach.,31,四、保函格式预付款保函,其他索赔单据及对索赔单据真实性要求Yourdemandforpaymentmustalsobeaccompaniedbythefollowingdocument(s):(specifydocument(s),ifany)Yourdemandandaccompanyingdocumentsshallbeforwardedtousthroughyourbankforverificationofyourauthorizedsignaturethereon.,32,四、保函格式预付款保函,款到生效和生效金额与实际收款匹配条款ThisguaranteeshallbecomeeffectiveuponthereceiptoftheadvancepaymentbythePrincipalonhisaccountnumberatourbank(oranynominatedbank).TheeffectiveamountshallalwayscorrespondtotheamountactuallyreceivedbythePrincipal.Itisaconditionforanyclaimandpaymentunderthisguaranteetobemadethattheadvancepaymenthasbeenactuallyreceived.,33,四、保函格式预付款保函,减额条款themaximumamountofthisguaranteewillbe(automatically)reducedbypercentofthetotalvalueofeachpart-shipment/interimworkfinishedagainstpresentationtous（bytheprincipal）ofcopiesoftherelevantinvoice(s)andtransportdocument(s)/theinterimworkcertificate(orotherspecificdocuments).,34,四、保函格式预付款保函,有效期（含生效条款）和索赔时效条款Thisguaranteeshallexpireuponthetimewhenthetotalguaranteedamounthasbeenreducedtozerointheabove-mentionedmanner,or(calendardate),whicheverisearlier,afterwhichthisguaranteeshallbeautomaticallyceasetobevalidwhethertheoriginalofthisguaranteeisreturnedtousornot.Consequentlyanydemandforpaymentunderitmustbereceivedbyusatthisofficeonorbeforethatdate.,35,四、保函格式预付款保函,适用法律/惯例AnydisputeovertheinterpretationoftheconditionofthisLetterofGuaranteeshallbesubjecttotheUniformRulesforDemandGuarantees,ICCPublicationNo.758.注：适用法律可以不写，在该项空白时，一般适用于担保人营业地所在国法律。我行的直开保函一般都不加具本条款，意味着适用中国法，但仍不可一概而论。,36,四、保函格式反担保函,4.2.4反担保函：CounterGuarantee发出请求Pleaseissueatourfullresponsibilityandundercoverofourcounter-guaranteeno.aletterofbankguaranteefortheamountofinfavorof.Inconsiderationofyourissuingtheletterofguarantee,weherebyacceptandconfirmthefollowing:1)Yourguaranteetextisquotedasbelow:Quote（主保函格式）Unquote,37,四、保函格式反担保函,承诺2)Weherebyundertaketopayyou,unconditionally,irrevocablyandimmediatelyuponreceiptofyourfirstwrittendemandstatingthatyouhavebeencalledtomakepaymentunderyourabovebankguarantee,togetherwiththecopyofthebeneficiarysclaimtoyou,thesumnotexceeding.3)Themaximumamountofourcounterguaranteewillbeautomaticallyreducedbythetotalamountofyourabovebankguaranteesreduction.,38,四、保函格式反担保函,4)OurcounterguaranteeshallbepaidinEURO/USDatthebanksmediumexchangerateprevailingatthetimeofclaim,whichshallbeequivalentto_(localcurrency).5)Ourcounterguaranteeshallbecomeeffectiveupontheeffectivenessofyoura/mguaranteeandremaininforceuntil30(thirty)daysasyourmailingtimeaftertheexpiryofyourabovebankguarantee,oruntil(calendardate)（including30(thirty)daysasyourmailingtime，whicheverisearlier,afterwhichthisguaranteeshallbeautomaticallyceasetobevalidwhethertheoriginalofthisguaranteeisreturnedtousornot.Consequentlyanydemandforpaymentunderitmustbereceivedbyusatthisofficeonorbeforethatdate.,39,四、保函格式反担保函,6)Yourcommissionsandchargeswillbepaidbyourclient.Incasehefailstopaythebankcommission,weundertaketopayyourbankcommissionbytelegraphictransferasdemandbyyou.7)Afteryourissuingoftheguarantee,pleasedelivertheoriginalguaranteeto,andairmailustwocopiesforourrecords.Ouraddress:10/FWinlandInternationalFinanceCentre,No.7FinancialStreet,XichengDistrict,Beijing100034,P.R.China,40,四、保函格式反担保函,8)AnydisputeovertheinterpretationoftheconditionofthisCounterGuaranteeshallbesubjecttotheUniformRulesforDemandGuaranteesICCPublicationNo.758.,41,四、保函格式船舶还款保函,4.2.5船舶还款保函：RefundGuarantee背景介绍：Attherequestof_(Applicant)andinconsiderationofyouragreeingtopay_(Applicant)and_(Shipyard)(hereinaftercollectivelycalledtheSELLER)theinstalmentsbeforedeliveryoftheVESSELundertheContractconcludedbyandamongstyou,andtheSELLERdated_fortheconstructionof1(one)_DeadweightBulkCarriertobedesignatedasHullNo._(hereinaftercalledtheContract),42,四、保函格式船舶还款保函,金额we,theundersigned,TheExport-ImportBankofChina,HeadOffice,BankingDepartment,(address)doherebyguaranteerepaymenttoyoubytheSELLERofanamountuptobutnotexceedingatotalamountofUSD_(sayUnitedStatesDollars_),representingthefirstinstalmentoftheContractPriceoftheVESSEL,USD_(sayUnitedStatesDollars_),thesecondinstalmentoftheContractPriceoftheVESSEL,USD_(sayUnitedStatesDollars_),thethirdinstalmentoftheContractPriceoftheVESSEL,USD_(sayUnitedStatesDollars_),andthefourthinstalmentoftheContractPriceoftheVESSEL,USD_(sayUnitedStatesDollars_),asyoumayhavepaidtotheSELLERundertheContractpriortothedeliveryoftheVESSEL,43,四、保函格式船舶还款保函,违约事件、索赔和利息条款：ifandwhenthesameoranypartthereofbecomesrepayabletoyoufromtheSELLERinaccordancewiththeterms(ArticleXorArticleXII3(b)oftheContract.ShouldtheSELLERfailtomakesuchrepayment,weshallpayyoutheamounttheSELLERoughttopaywithinterestattherateof5%(fivepercent)perannumifcancellationoftheContractisexercisedbyyouforthedelaycausedbypermissibledelaysinaccordancewiththeprovisionsofParagraph3ofArticleVIIIoftheContract,ortogetherwithaninterestattherateof5%(fivepercent)perannumifthecancellationoftheContractisexercisedbyyouforthedelayofaggregate210(twohundredandten)daysinaccordancewiththeprovisionsofArticleVIII4,44,四、保函格式船舶还款保函,ortogetherwithaninterestof5%(fivepercent)perannumifcancellationoftheContractisexercisedbyyouforthedelayofaggregate180(onehundredandeighty)daysinaccordancewiththeprovisionsofArticleIII1(c)orbytheeventsdescribedinArticleIII2(c),3(c)or4(b)oftheContract,otherwisewithnointerest,within30(thirty)daysafterourreceiptoftherelevantwrittendemandfromyouforrepayment.,45,四、保函格式船舶还款保函,仲裁条款However,intheeventofanydisputebetweenyouandtheSELLERinrelationto:(1)whethertheSELLERshallbeliabletorepaytheinstalmentorinstalmentspaidbyyou;and(2)consequentlywhetheryoushallhavetherighttodemandpaymentfromus;andsuchdisputeissubmittedeitherbytheSELLERorbyyouforarbitrationinaccordancewithArticleXIIIoftheContractorforappealorappealsinaccordancewithEnglishlaws,46,四、保函格式船舶还款保函,weshallbeentitledtowithholdanddeferpaymentuntilthearbitrationawardoranycourtjudgmentispublished，oranamicablesettlementhasbeenreached.Weshallnotbeobligatedtomakeanypaymenttoyouunlessthearbitrationaward(oranycourtjudgmentorthesettlement)orderstheSELLERtomakerepaymentandanyrightofappealavailabletotheSELLERunderEnglishlawsiswaivedorisnotexercisedbytheSELLERinaccordancewithEnglishlaws.,47,四、保函格式船舶还款保函,IftheSELLERfailstohonourtheaward(orjudgmentorthesettlement)withinthirty(30)daysoftherelevantaward(orjudgmentorthesettlement)beenpublished/reachedthenweshallrefundtoyoutotheextentthearbitrationaward(oranycourtjudgmentorthesettlement)ordersbutnotexceedingtheaggregateamountofthisguaranteeplustheinterestdescribedabove.ThesaidrepaymentshallbemadebyusinUnitedStatesDollars.,48,四、保函格式船舶还款保函,款到生效和生效金额与实际收款匹配条款ThisLetterofGuaranteeshallbecomeeffectivefromthetimeoftheactualreceiptofthefirstinstalmentbytheSELLERfromyouandtheamountseffectiveunderthisLetterofGuaranteeshallcorrespondtothetotalpaymentactuallymadebyyoupriortothedeliveryoftheVESSEL.However,theavailableamountunderthisLetterofGuaranteeshallinnoeventexceedabovementionedamountactuallypaidtotheSELLER,togetherwithinterestcalculated,asdescribedabovefortheperiodcommencingwiththedateofreceiptbytheSELLERoftherespectiveinstalmenttothedateofrepaymentsthereof.,49,四、保函格式船舶还款保函,有效期ThisLetterofGuaranteeshallremaininforceuntiltheVESSELhasbeendeliveredtoandacceptedbyyou,orrefundhasbeenmadebytheSELLERorourselves,oruntil_(expirydate),whicheveroccursearliest,afterwhichyouaretoreturnittousbyairmailforcancellation.However,incaseofanyarbitrationproceedingsasdescribedabove,theLetterofGuaranteeshallalwaysremaininforceuntil2(two)monthsafterthepublishmentofthearbitrationaward.（报批有效期时特别注意）,50,四、保函格式船舶还款保函,法律适用和管辖ThisLetterofGuaranteeshallbegovernedandconstruedinaccordancewiththelawsofEnglandandanydisputesshallbesubmittedtotheexclusivejurisdictionofEnglishCourts.Weherebyexpresslywaiveanyrighttoclaimimmunityfromlegalproceedings.,51,四、保函格式船舶还款保函,转让条款WeagreethatyoumayassignthebenefitofthisLetterofGuarantee(excludingtherightofdemandingpaymentwhichshallinallrespectremainwithyourself)toanycommercialBankforthepurposeofsecurityforthefinancingbyitofyourobligationsundertheContractprovidedthattheassignmentdocumentswillbeacceptableinallrespectstotheSellerandourselves.,52,四、保函格式船舶还款保函,外汇登记条款WeconfirmherewiththatthisLetterofGuaranteeshallberegisteredwiththerelevantSAFEAuthorityandthatwehaveobtainedallnecessaryapprovalstoissuesameandeffectpaymentsinforeigncurrencyincaseofutilization.,53,四、保函格式小结,4.2.6保函格式小结金额不得敞口有效期不得敞口，事实条款尽量单据化。法律适用风险。适用法律尽量避免中东、东南亚和一些不发达国家法律，可以适用第三方发达国家法律，如英国法小币种汇率、汇兑风险（如遇小币种或我行无法清算的币种，应加具以美元/欧元/日元赔付条款）止付令无效,54,四、保函格式小结,4.2.6保函格式小结4.2.6.1预付款/履约/投标等工程承包类保函审核要点是否有（款到）生效条款（预付款）是否有减额条款（预付款）及可操作性是否有违约声明（投标保函一般为投标人在投标期间撤投；或者中标后无法或拒绝执行（签署）合同；或者提供履约保函。）是否有索赔文件需经证实真实性条款是否有索赔时效条款适用法律尽量避免中东、东南亚和一些不发达国家法律,55,四、保函格式小结,4.2.6.2船舶保函及转让审核要点是否有仲裁条款（防止伪仲裁）是否有款到生效条款和生效金额与实际收到金额相匹配条款转让条款：只能用于融资目的或单船公司；索赔权是否保留；是否需我行书面确认。有效期如遇仲裁，可自动展期至仲裁结果公布后若干天，申请书中要注明适用法律和管辖地一般为英国法和英国,56,四、保函格式小结,4.2.6.2船舶保函及转让审核要点转让通知（noticeofassignment)必须是正本转让通知和我行出具的确认（acknowledgement)中是否加大我行担保责任。如：船东在融资协议项下违约，融资行可就保函索赔索赔权是否保留保函修改、注销需要融资行书面同意,57,四、保函格式常见风险提示条款,4.2.6.3常见风险提示条款无条件见索即付独立担保格式无书面索赔正本需退回歧义不展期即索赔不含索赔时效（通常适用中东、东南亚等不发达国家法律时提出）责任不变,58,四、保函格式常见风险提示条款,受益人所在国为受制裁国家FIDIC条款28天展期转开行索赔不附业主索赔,59,五、文件的审查,5.1申请书的审查申请书下列各项是否填列完整、正确申请书日期受益人名称、地址保函金额（小币种需出函确认汇率风险）有效期转开行/通知行反担保形式账号骑缝章（如需）,60,五、文件的审查,5.2反担保函的审查反担保函下列各项是否填列完整、正确反担保函日期（不能早于申请书日期）反担保函上申请书日期要与申请书一致保函金额空白处是否填满账号骑缝章（如需）,61,五、文件的审查,5.3合同商务部分的审查受益人名称、地址保函金额及背景合同号/船体号/标书号,62,五、文件的审查,5.4保函修改/转让的文件审查保函修改申请书是否填写完整、正确转让通知必须提交正本转让协议（副本即可）是否转让过，如已转让，必须得到新受益人的书面确认同意再次转让方可办理。,63,六、特殊国家的特殊做法,这里介绍一些我行常见的某些国家在保函方面的一些特殊做法，通常与国际惯例相违背。6.1伊朗一般反担保也须适用伊朗法律保函一般含有“根据受益人要求自动延期”条款（thisgu