外汇保函和备用信用证业务管理办法

1、 PAGE PAGE 35x银行外汇保函和备用信用证业务管理办法第一章 总则第一条 为促进我行外汇保函和备用信用证业务（以下统称外汇担保业务） 定，特制定本法。第二条 外汇担保业务是我行根据委托人的请求向受益人出具书面承诺，在委托人（即被担保人）不履行债务时，由我行负责履行的一种业务。第三条 外汇保函和备用信用证业务纳入全行公司业务授信流程统一管理。第四条 本办法适用于经批准经营外汇业务的分行办理对内对外外汇担保业可生效。第二章 业务对象第五条 申请人应当具备以下条件：（一）经营权，并经过xx部门办理了年检手续。（二）局核定的额度内办理。（三）务的能力。（四）已在我行开立了人民币或外汇账户，存

2、款稳定，收支正常。（五）能够按商定缴付外汇担保业务项下的关于费用。（六）在我行有授信额度，并能够提供我行要求的保证金、反担保或抵质押品。（七）我行要求的其他条件。第六条 下列客户的外汇担保申请不予考虑：（一）无经营权的非赢利单位，如政府机关、事业单位、社会团体等。（二）申请为其注册资本提供担保的外商投资企业。（三）申请为其外方投资部分的对外债务提供担保的外商投资企业。（四）其他因某种原因不宜为其担保的客户。第三章 担保方式第七条 我行以向受益人出具书面外汇保函或备用信用证的形式，办理外汇第八条 我行可办理以下外汇担保业务的种类：（一）融资类外汇担保的业务借款保函融资租赁保函以现汇偿还的补偿贸易

3、保函融资性备用信用证（二）非融资类外汇担保的业务投标保函履约保函预付款保函付款保函以实物偿还的补偿贸易保函来料加工保函提货担保函留置金保函海关免税保函投标备用信用证履约备用信用证预付款备用信用证现将我行关于上述外汇担保的英文参考格式附后（3）小一律报总行贸易金融部，批准后方可对外开出。第九条 者应从严掌握。一般担保指担保人只承担第二性付款责任，即只有当债务人未能履行债务， 并经审判或仲裁以致强制执行仍未能履行时，担保人才承担担保责任。连带责任担保是指担保人和债务人一样，共同承担第一性付款责任，可被外汇担保受益人同时要求履行责任。第十条 我行主要办理与项目xx、贸易等关于的外汇担保，对申请人因融

4、资借款而要求我行出具的融资性担保，要从严掌握。第十一条 担保期限应视相关标书或经济协议而定，但一般不超过三年，一年以下（含一年）为短期担保，一年以上为长期担保。第十二条 收费标准（一）担保费可按季收取，按季首余额数计收，对我行优质客户可给予一定优惠。具体收费标准参照我行关于国际业务收费标准。（二）邮电费由担保申请人承担，对已签担保协议，但因被担保人原因而导致外汇担保未出具，我行可视情况酌情向被担保人收取一定的承担费。（三）请人负担。第四章 办理程序第十三条 外汇担保的申请有效的，分行经营部门须对其提供的资料文件资料进行认真审核。（一）资格/资质认定书。（二）由担保申请人法定代表人或其授权代表签

5、署的“开立外汇保函申请（按我行统一格式，附件一。（三）等财务报表。（四）会申请担保决议及授权书。（五）承包企业和租赁企业应分别提供发包方或出租方同意担保申请的书面证明。（六）根据担保类型，申请人应提供相应的经济协议、标书、契约、协议、意向书，以及其合法合规的证明资料文件。（七）反担保人的上述关于资料文件资料。第十四条 外汇担保的审批（一）外汇担保的授信审批按我行授信业务审批流程的规定进行审批，所有外汇担保业务必须在授信额度内办理。（二）总分行贸易金融部对外汇担保业务是否符合国家的外管政策以及担保条款在权限内进行审批。（三）审批权限融资性对外担保占用专项额度，不可循环使用，须逐笔报总行审批， （

6、易金融部。占用融资性担保额度的，须提前落实好额度，在额度范围内办理。500（或等值其他货币）以下（500（，审批后方可开出；全额保证金的非融资性对外担保分行可在权限内审（2-2第十五条 反担保（一）我行在受理申请人的担保申请时，应同时要求其向我行提供反担保。（二）10以便于我行追索。（三）反担保可采取以下方式：不得动用，保证金存款限用于外汇担保项下的支付。并明确按我行关于质押、抵押的关于规定办理。制。（四）对反担保的审查：保证金的金额、币种应与外汇担保的金额和币种相一致，若申请人承诺承担汇率风险，也可接受与外汇担保币种不同的货币作为保证金。反担保函中的所有责任条款应与外汇担保的条款相吻合，防止

7、反担保函的责任范围小于外汇担保的责任范围。以申请人拥有处分权的质物提供反担保的，质物的到期日应与外汇担保的有效期相吻合，并按我行的关于规定将质物交我行占有。申请人以我行认可的第三人的财产以抵押、质押方式提供反担保的， 价款对外支付。申请人以其或第三人的定时存单以质押方式提供反担保的，应要求出必要时，我行可要求反担保人在反担保函中明确承诺，一旦我行在其对反担保人的任何债务的权利。第十六条 外汇担保的出具（一）担保申请经审批同意后，我行应与担保申请人、反担保人签订“担保协议”，以明确各方权利和责任。（二）具备下列条件方可出具担保：已通过我行外汇担保审批，收到出账管理部门出账通知书。“担保协议”及“

8、担保申请书”已经被我行接受并生效。担保申请人已按“担保协议”提供了有效的反担保，关于手续已完备。担保申请人已按我行规定支付了保费。（三）（格式，由我行认可后出具。第十七条 外汇担保的内容（一）外汇保函一般应该包括以下主要条款：保函受益人的名称和办公地址；保函申请人的名称和办公地址；保函出具人名称；保函的种类及担保目的；与保函相关的协议号、协议号、招标号或工程项目名称；担保金额及币别；保函的生效日和有效期；赔付条款的具体规定。（二）根据外汇保函据以开立的主协议及具体情况，必要时，外汇保函还应包括以下内容：保函的不可转让条款；保函的生效条款；行逐步递减；人的索赔要求须经我行认可的银行证实其签字并转

9、交我行或经我行认可的银行以加押电文证实后，我行方可受理；未能使受益人得到在保函项下继续提出索赔的权利；费用支付的权利转让给第三人。第十八条 对申请人向我行提交的外汇担保格式，要严格审查，不得有使我确切的失效时间或失效条件等。第五章 外汇担保的执行和管理第十九条 第二十条 如被担保人与受益人需修改由我行担保的主协议的主要条款，必第二十一条 反担保人的书面认可，并办理相关手续。第二十二条 我行对外担保只处理外汇保函或备用信用证中规定的单据和证明，对涉及商务纠纷不负任何责任。第二十三条 合索偿条件，应履行义务。第二十四条我行履付款责任应根据与申请人的商定从担保申请人保证金专户和其他存款账户扣款不足部

10、分由我行垫付对于发生垫付的纳入不良贷款考核范围，全面制定清收计划，认真落实清收责任。对申请人提供抵押质押、保证等担保的，及时进行索偿，有效保全我行资产安全，直至提起诉讼外汇担保项下垫款未还清之前不再为该外汇担保申请人开具新的外汇保函或备用信用证；对单笔外汇担保垫款15天以上或年内发生2笔以上垫款的外汇担保申请人，经办行不再为其办理非全额保证金外汇担保业务。第二十五条 信用证正本收回，或取得受益人出具的解除我行担保责任的书面通知。第六章 档案管理第二十六条 立外汇保函审批表、收费凭证及关于外汇担保的往来函电等。第二十七条 （包括外汇担保已付清、过期或撤销等5第七章 附则第二十八条 本办法由总行贸

11、易金融部负责说明和修订。第二十九条 本办法自颁布之日起施行。附件：1-1.开立外汇保函申请书2-1.开立外汇保函业务报总行审批表2-2.开立非融资性保函业务报总行备案表2-3.开立融资性保函业务情况报告表3-1.借款保函3-2.融资租赁保函3-3.以现汇偿还的补偿贸易保函3-4.融资性备用信用证3-5.投标保函3-6.履约保函3-7.预付款保函3-8.付款保函3-9.以实物偿还的补偿贸易保函3-10.来料加工保函3-11.提货担保函3-12.留置金保函3-13.海关免税保函3-14.投标备用信用证3-15.履约备用信用证3-16.预付款备用信用证1-1：开立外汇保函申请书日期：致x银行 分行：

12、申请人名称与办公地址（中文）（英文）受益人名称与办公地址（中文）（英文）协议/项目名称协议号协议总款项保函金额保函种类保证金金额保函有效期开立方式口 开口信开反担保方式保 函 主要内容贵垫的项我公保立偿行垫款有将付款转公司的期垫发之日至公完清之日贵有按利向我司取款逾利息复，月收。（申请人盖章）联系：电：（背面）保函申请人声明致x银行 分行：鉴于x银行 分行拟为我公司对外出具外汇担保函我公司特此明：认即可动用保证金或主动扣划我公司在贵行的外币或人民币帐户对受益人进行按我公司与贵行所签担保协议执行反担保。及邮寄过程中之延误、遗失等问题均不负责任。该保函项下的所有事宜，我公司承担由此造成或产生的所有

13、责任。的。保。（如与开立保函申请书不在同一页须填写以下三项）（申请人盖章）联系：电：日：2-1：业务编号：开立外汇保函业务报总行审批表申请分行申请时间外汇保函类型融资性外汇保函非融资性外汇保函申请人名称（中文）（英文）受益人名称（中文）（英文）协议项目名称协议总款项保函金额保证金金额保函效期反担保方式分行经营部门建议或意见：经办人：负责人：分行授信部门建议或意见：经办人：负责人：分行贸易金融部建议或意见：经办人：负责人：部门签章：分行主管行领导建议或意见：负责人：总行贸易金融部建议或意见：经办人：负责人：2-2：业务编号：开立非融资性保函业务报总行备案表备案分行备案时间非融资性保函备案类型业务

14、基本情况申请人名称（中文）（英文）受益人名称（中文）（英文）协议项目名称协议总款项保函金额保证金金额保函效期反担保方式分行经营部门建议或意见：经办人：负责人：分行授信部门建议或意见：经办人：负责人：分行贸易金融部建议或意见：经办人：负责人：部门签章：分行主管行领导建议或意见：负责人：2-3：业务编号：开立融资性保函业务情况报告表报告分行报告时间开出融资性保函类型业务基本情况申请人名称（中文）（英文）受益人名称（中文）（英文）协议项目名称协议总款项保函金额保证金金额保函效期反担保方式分行经营部门建议或意见：经办人：负责人：分行授信部门建议或意见：经办人：负责人：分行贸易金融部建议或意见：经办人：

15、负责人：部门签章：分行主管行领导建议或意见：负责人：3-1：借款保函参考样式Date: _(Beneficiary)reference to the Loan Agreement No. signed between yourgoodselvesand (hereinafterreferredtoasPartyA)at on and at the request of Party A, we hereby establish in your favour an irrevocable letter of guarantee No. for an amount exceeding . guara

16、ntee that, after you provide Party A with the loan as stipulated in the Agreement, they will repay you the sum as well as the interest at conditions of the sameagreement.Should Party A fail to repay you the loaned amount plus interest totally or partially within the time limit, we undertake to effec

17、t the aforesaid repayment plus interest on their behalf upon our receipt through your bank within the validity of this L/G of your written demand (to be verified by Party A).The guaranteed amount of this L/G will reduce in proportion to the amount plus interest already repaid by Party A and / or by

18、us.This L/G is valid up to and upon this L/G shall automatically become null and cancelled whether it is returned to us ornot.For Bank3-2：融资租赁保函参考样式Date: _(Beneficiary)reference to the Lease Agreement No. signed betweenyourgoodselves and (hereinafter referred to as the Lessee) at on at the request o

19、f the lessee, we hereby establish in your favour an irrevocable letter of guarantee No. for an amount not exceeding (say only). guarantee that the lessee shall pay the rent in accordance with the terms and conditions of the said Lease Agreement. Should the leasee fail to pay the rent within the time

20、 limit as stipulated in the said Lease Agreement, we undertake to effect such payment after receipt of your written demand to the extent of the guaranteed amount for the unpaid amount plus default interest if according to the terms of the said Lease Agreement. The guaranteed amount of this letter of

21、 guarantee will reduce in proportion to the sum already paid by the lessee and / orus.This letter of guarantee isvalid until and you are requested to this guarantee to us for cancellation upon itsexpirationFor Bank附件 3-3：以现汇偿还的补偿贸易保函参考样式(Beneficiary)Date: Whereas the contract No. (hereinafter called

22、 the contract) was signed between (applicant) (hereinafter called Party A) andyourgoodselves on , accordance with the stipulations of the contract and at the request of Party A, we hereby issue our irrevocable letter of guarantee No. in your favour for an amount not exceeding (say only) plus interes

23、t accrued. Our responsibility under this is as follows: hereby undertake that party A will effect payment to you according to the time limit stipulated in the contract. Should Party A fail to pay the amount wholly or partially under the contract,shall pay you the amount due plus the interest accrued

24、 within days after receipt of your followingdocuments:statement stating that Party A does not effect repayment according to thecontract.A true copy of B/L evidencing the equipment under the contract have been shipped to Party A by you in accordance with the stipulation and terms of thecontract.Inspe

25、ction Certificate issued by China Commodity Inspection Bureau in Port) certifying the shipping goods to China arequalified.Satisfactory certificate to the equipment signed by you and PartyA.Ourresponsibilityunderthis L/G is automaticallyreduced bythe amountpaid byPartyAorbyus. This L/G shall become

26、null and void after all amounts are repaid under the contract but in no case laterthan and claims, if must reach us on or before thatdate.For Bank附件 3-4：融资性备用信用证样本Standby No. Date ofIssue To From At the request of (theapplicant)which has its registered address at , we,Evergrowing Bank Branch with ou

27、r office at, hereby issue in your favor thisirrevocable stand-by letter of credit No amounting to ). This letter of credit is to secure the obligation(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

28、its registered address at , under the facility agreement withreference No. the purpose of working capital. Upon our receipt of your demand by authenticated swift at our counter not later than the expiry of the stand-by letter of credit, stating that the borrower has failed to fulfill its payment or

29、repayment obligations under the facility agreement and the amount drawn by your represents the unpaid balance of indebtedness due to you by the borrower, we shall within 5 banking days pay you the amount specified in each of your demands provided that the aggregate amount drawn under this stand-by l

30、etter of credit shall not exceed the maximum amountaforesaid().This stand-by letter of credit shall come into effect on the and this stand-by letter of credit expire on at our counter. Upon expiry, this stand-by letter of credit shall automatically become null and void whether or not it is returned

31、to us for cancellation. All notices and communications to us shall be sent to by authenticated swift. All demands hereunder must be markeddrawn under branch, stand-by letter ofcreditno. .we engage with you that any demand and in compliance with terms and conditions of this stand-by letter of credit

32、shall be duly honored on due presentation to us. 附件 3-5：To: (Beneficiary)投标保函参考样式Date ofIssuing: Our Ref No. This bond is hereby issued to serve as the bid bond of (the name of the applicant) (hereinafter called the Bidder) for (the bid No. ) for supply of (the name of the goods) to (the name of the

33、 beneficiary). (The name of the issuing bank) hereby irrevocably guarantees and binds itself, its successors and assigns to pay you immediately without resource, the sum (amount of the guarantee) representing percent ( %) of the bid value upon receipt of your written notification stating any of the

34、followingeffects:the bidder has withdrawn his bid after submission of the bid and before the expiration of its validity period;orthe bidder has failed to enter into contract with you after notification of contract awards;orthe bidder as successful bidder has failed to establish acceptable performanc

35、e bondwithincalendar days after the effective date of thecontract.It is fully understood that this guarantee takes effect from the issuing date and shall remain validfor a period ofdays after the opening date of the bid and during the period of anyextension thereof that may be agreed upon between yo

36、u and the bidder with the written approval of the surety unless sooner terminated and / or released byyou.If the bidder is awarded the contract, this guarantee shall remain in full force and effect after expiration of the above-mentioned period until the bidder shall have entered into contract with

37、you and funished the necessary performance bond.Upon expiry, please return this guarantee to us for cancellation.(The Guarantor)3-6：履约保函参考样式Date: _(Beneficiary)This bond is hereby issued as the performance bond of (Applicant) for supply of (the name of the goods) under the contract No. to (the name

38、of the beneficiary). The (the name of the guarantor) hereby irrevocably guarantees itself, its successors and assigns to pay you up to the amount of (the amount of the guaranteed value) representing percent ( %) of the contract price and accordingly covenants and agrees as follows:On the suppliers f

39、ailure of faithful performance of the contract (hereinafter called the failure of performance), we shall immediately, on your demand in a written notification stating the effect of the failure of performance by the supplier, pay you such amount or amount as required by you not exceeding (the amount)

40、 in the manner specified in the saidstatement.This performance bond shall become effective from the effective date of the said contract and shall remain valid until (the date of expiry). Upon please return this bond to us forcancellation.For Bank3-7：预付款保函参考样式Date: (Beneficiary)This guarantee is here

41、by issued as the advance payment guarantee of (hereinafter called the supplier) for (the name of the contract and its number) to (the name of the beneficiary)(hereinafter called thebuyer).Whereas the buyer has agreed to advance to the supplier an amount of (sayonly), whereas the buyer has required t

42、he supplier to furnish a guarantee with an amount equal to the above said advance payment for performance of his obligations underthecontract, and the(the name of the guarantor), at the request of the supplier and inconsiderationofthebuyersagreeingtomaketheabovesaidadvancetothesupplier,hasagreedto f

43、urnish the above requiredguarantee.Now, therefore, the guarantor hereby guarantees that the supplier shall utilize the above said advance for the purpose of the contract and if he fails and commits default in fulfillment of any of his obligation for which the advance payment is made, it shall entitl

44、e the buyer to the payment notexceeding the above-mentioned amount.Against notice in writing of any default, which the guarantor should be given by the buyer stating that the supplier has failed to fulfill its obligation to the and upon such first demand payment should be made by the guarantor of th

45、e sum then due under this guarantee without any objection.The sum of this guarantee should be automatically and proportionally reduced in step of the progress of the contract, and the guarantors obligation under this guarantee shall not in any case exceeding the sumof (say only).This guarantee shall

46、 become effective from the date of receipt of the above said advance by the supplier and valid until (the date of expiry). Upon please return this guarantee to us forcancellation.For Bank3-8：付款保函参考样式Date: _(Beneficiary)reference to the contract No. signed between yourgoodselves and (hereinafter refe

47、rred to as Party A) at on at the request of Party A, we hereby establish in your favour an irrevocable letter of guarantee No. , we guarantee that, Party A shall effect payment in accordance with the terms and conditions of the above mentioned contract for your delivery tothem of totaling .Should Pa

48、rty A fail to make payment wholly or partially within the time limit as stipulated in the contract, we undertake to effect such payment to the extent of the guaranteed amount for the unpaid value of goods you delivered to them plus interest at % p.a. calculated as from up to after our receipt from y

49、our bank within the validity of this L/G of your written demand (to be verified by PartyA).The guaranteed amount of this L/G will reduce in proportion to the sum plus interest already repaid by Party A and / or by us.This L/G is validupto and should be returned to us for cancellation upon its expiry

50、date.For Bank3-9：以实物偿还的补偿贸易保函参考样式Date: (Beneficiary)Whereas the contract No. (hereinafter called the contract) was signed between (applicant) (hereinafter called Party A) andyourgoodselves on , accordance with the stipulations of the contract and at the request of Party A, we hereby issue our irrevo

51、cable letter of guarantee No. in your favour for an amount not exceeding (say only) plus interest accrued. Our responsibility under this is as follows: hereby undertake that party A will sell the products, , to you in compensation of the price of your machines and equipment according to the time lim

52、it，quantity stipulated in the contract. Should Party A fail to comply with this contract to deliver the goods it is due to provide,we shall pay you the amount due plus the interestaccrued within after receipt your followingdocuments:statement stating that Party A does not effect shipment according t

53、o thecontract.A true copy of B/L evidencing the equipment under the contract have been shipped to Party A by you in accordance with the stipulation and terms of thecontract.Inspection Certificate issued by China Commodity Inspection Bureau in Port) certifying the shipping goods to China arequalified

54、.Satisfactory certificate to the equipment signed by you and PartyA.A copy of the letter of credit for such period shipment of buying back under thecontract.Our responsibility under this L/G is automatically reduced by the delivery or the amount paid by us.This shall become null and void after all d

55、elivery obligations under the contract are executed but in no caselaterthan and claims, if must reach us on or before that date.For Bank3-10：来料加工保函参考样式Date: _(Beneficiary)Whereas the contract No. (hereinafter called the contract) was signed between _(applicant) (hereinafter called the Party A) and y

56、our goodselves onamounting up to _ , in accordance with stipulations of the said contract and at the request of Party A, we hereby issue our irrevocable letter of guarantee No. in your favour up to the amount of (say only) plus interest accrued.Our responsibility under this L/G is as follows:We here

57、by undertake that party A will deliver to you the goods according to the time limit, quantity stipulated in the contract. Should Party A fail to effect the delivery and/ or to repay same value of the amount in the contract, we shall, provided that you have fulfilled completely your obligation under

58、the contract, pay you after the last due date of the repayment within 15 days after receipt of written demand from you, the contents of which to be verified by Party A, the amount due together withinterest.Our responsibility under this L/G is automatically reduced by the delivery or the amount paid

59、by Party A or by us.This L/G shall become null and void after all amounts are repaid or all delivery obligations under the contract are executed but in no case later than and claims, if must reach us on or before that date.For Bank3-11：提货担保函参考样式Date: _ Carrier: Arrivedon From B/L No.Date of shipment

60、Description ofgoodsShippersMarks& No.PackagesCredit No.Total Packages(In words)In consideration of your granting us delivery of the above-mentioned cargo which have been shipped to our consignment, but Bills Of Lading for which have not been received.hereby engage to hand you the said Bills Of Ladin