本文關(guān)鍵詞： 銀行保函 備用信用證 異同 風(fēng)險(xiǎn) 防范　出處：《天津財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著貿(mào)易全球化的不斷深化,人們對(duì)國(guó)際貿(mào)易結(jié)算服務(wù)的要求也越來(lái)越高,相比于手續(xù)繁瑣、單據(jù)復(fù)雜、費(fèi)用高的商業(yè)信用證,銀行保函和備用信用證手續(xù)簡(jiǎn)便和單據(jù)要求簡(jiǎn)單、結(jié)算時(shí)間短,可以為交易雙方帶來(lái)更多便捷,因此銀行保函和備用信用證也越來(lái)越得到世界金融界業(yè)主和銀行的青睞。銀行保函和備用信用證都是國(guó)際貿(mào)易中的結(jié)算工具,在貿(mào)易結(jié)算和融資擔(dān)保中扮演重要的角色。如今,作為國(guó)際擔(dān)保的主要形式,備用信用證和銀行保函在國(guó)際經(jīng)濟(jì)合作交易中的應(yīng)用已經(jīng)十分普遍。為了更深入地了解二者在國(guó)際貿(mào)易中的運(yùn)用,本文對(duì)其所適用國(guó)際慣例的演變進(jìn)行了描述。在國(guó)際貿(mào)易往來(lái)中,銀行保函和備用信用證的應(yīng)用有相同之處,也有不同之處。本文首先對(duì)二者的定義、分類及法律特征等方面進(jìn)行了概述,之后就銀行保函與備用信用證的相同點(diǎn),分別在法律當(dāng)事人、使用目的、適用范圍、性質(zhì)等方面進(jìn)行了分析描述。為了能夠更好地把握二者在國(guó)際經(jīng)濟(jì)交往中的運(yùn)用,本文通過(guò)對(duì)其所適用的國(guó)際慣例、獨(dú)立性、兌付方式、開立條件及付款依據(jù)進(jìn)行比較,歸納出了二者在應(yīng)用于交易中操作上所需考慮的不同之處。由于銀行保函和備用信用證有其自身的特點(diǎn),在經(jīng)濟(jì)合作中,各個(gè)當(dāng)事人都面臨著一定程度的風(fēng)險(xiǎn)。為了促進(jìn)國(guó)際經(jīng)濟(jì)合作穩(wěn)定順利的進(jìn)行,本文分別從申請(qǐng)人、受益人及開證行的角度對(duì)其所面臨的風(fēng)險(xiǎn)進(jìn)行了分析研究,并在此基礎(chǔ)上提出了相應(yīng)的解決對(duì)策。本文詳細(xì)論述了銀行保函和備用信用證各自的風(fēng)險(xiǎn)及防范措施,希望可以進(jìn)一步促進(jìn)國(guó)際經(jīng)濟(jì)貿(mào)易的發(fā)展并且有效維護(hù)各個(gè)當(dāng)事人的合法權(quán)益。
[Abstract]:With the deepening of the globalization of trade, the demand for international trade settlement services is becoming higher and higher, compared with the complicated procedures, complicated documents, high cost commercial letters of credit. Simple procedures for bank guarantees and standby letters of credit, simple documentation requirements and short settlement time can bring more convenience to both parties to the transaction. As a result, bank guarantees and standby letters of credit are becoming more and more popular among owners and banks in the world's financial circles. Bank guarantees and standby letters of credit are both settlement instruments in international trade and play an important role in trade settlement and financing guarantees. As the main form of international guarantees, standby letters of credit and bank guarantees are widely used in international economic cooperation transactions. This paper describes the evolution of the international practice applied to it. In international trade transactions, the application of bank guarantees and standby letters of credit is similar and different. The classification and legal characteristics are summarized, and then the similarities between bank guarantee and standby letter of credit are discussed, respectively in the legal parties, the purpose of use, the scope of application, In order to better grasp the application of the two in international economic exchanges, this paper compares the applicable international practice, independence, payment method, opening conditions and payment basis. The differences between them in the operation of transactions are summarized. Since bank guarantees and standby letters of credit have their own characteristics, in economic cooperation, Each party is facing a certain degree of risk. In order to promote the stable and smooth progress of international economic cooperation, this paper analyzes and studies the risks faced by the applicant, the beneficiary and the issuing bank from the perspective of the applicant, the beneficiary and the issuing bank. On this basis, the corresponding countermeasures are put forward. This paper discusses the risks and preventive measures of bank guarantee and standby letter of credit in detail. Hope to further promote the development of international economic and trade and effectively protect the legitimate rights and interests of the parties.
【學(xué)位授予單位】：天津財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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