本文選題：銀行 + 獨(dú)立保函��； 參考：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文

【摘要】：隨著“一帶一路”建設(shè)的不斷推進(jìn),我國不斷引導(dǎo)企業(yè)踐行“走出去”戰(zhàn)略,在經(jīng)濟(jì)全球化的背景下不斷加強(qiáng)在國際間的經(jīng)濟(jì)合作。近年來,我國經(jīng)濟(jì)始終保持著較高的增長速度,國際投資及合作領(lǐng)域不斷增加,規(guī)模不斷擴(kuò)大,獨(dú)立保函作為一種使用范圍廣泛、操作簡單便捷、在國際交易中獲得廣泛認(rèn)可的國際結(jié)算產(chǎn)品,為我國企業(yè)“走出去”提供了強(qiáng)有力的信用支持。獨(dú)立保函作為保函中最常用的一種形式,在我國的經(jīng)濟(jì)發(fā)展特別是對(duì)外經(jīng)貿(mào)交流中,迅速得到了用戶的青睞,結(jié)算量不斷增長。與實(shí)務(wù)領(lǐng)域的迅速發(fā)展相比,獨(dú)立保函在我國司法領(lǐng)域的發(fā)展相對(duì)緩慢。2016年以前,獨(dú)立保函在司法領(lǐng)域始終沒有相對(duì)完整和詳細(xì)的規(guī)定,也因此實(shí)務(wù)中對(duì)于獨(dú)立保函的管理及運(yùn)作方式始終無法達(dá)成一致。近年來有關(guān)保函領(lǐng)域的訴訟案件中,就有相當(dāng)一部分是由于保函在國內(nèi)從屬性的判定與國外獨(dú)立性判定的矛盾引發(fā)的。這種獨(dú)立保函在國內(nèi)外判定的差別,給銀行作為擔(dān)保人開展獨(dú)立保函業(yè)務(wù)帶來一定的困擾。2016年12月1日起,最高人民法院實(shí)施了《最高人民法院關(guān)于審理獨(dú)立保函糾紛案件若干問題的規(guī)定》(以下稱“司法解釋”)。司法解釋的出臺(tái)及時(shí)地填補(bǔ)了我國司法領(lǐng)域有關(guān)獨(dú)立保函規(guī)定的空白,在推動(dòng)我國獨(dú)立保函業(yè)務(wù)發(fā)展,支持企業(yè)“走出去”方面將發(fā)揮巨大的作用。銀行作為擔(dān)保人,在獨(dú)立保函法律環(huán)境變化的背景下需要對(duì)獨(dú)立保函的業(yè)務(wù)處理模式及風(fēng)險(xiǎn)管理方式進(jìn)行調(diào)整。筆者作為一名銀行從業(yè)人員,試圖通過本文對(duì)新法律環(huán)境下銀行在獨(dú)立保函領(lǐng)域面對(duì)的形勢(shì)、業(yè)務(wù)模式及風(fēng)險(xiǎn)管理方式展開研究。筆者首先分析了銀行獨(dú)立保函業(yè)務(wù)的現(xiàn)狀,對(duì)獨(dú)立保函的司法背景、業(yè)務(wù)發(fā)展以及銀行開展獨(dú)立保函業(yè)務(wù)的優(yōu)勢(shì)進(jìn)行了分析;然后以從屬性保函與獨(dú)立性保函的區(qū)別作為切入視角,對(duì)獨(dú)立保函的識(shí)別以及在我國發(fā)揮的作用進(jìn)行了闡述;之后探討了銀行獨(dú)立保函業(yè)務(wù)中各當(dāng)事方的影響以及來自各方的風(fēng)險(xiǎn);最后從實(shí)務(wù)角度出發(fā),按照開立前、開立時(shí)以及開立后三個(gè)環(huán)節(jié),提出了一系列實(shí)踐性較強(qiáng)的新環(huán)境下銀行在發(fā)展獨(dú)立保函業(yè)務(wù)中的風(fēng)險(xiǎn)管理措施。本文的創(chuàng)新點(diǎn)主要包括兩個(gè)方面。一是從銀行作為擔(dān)保人的角度出發(fā),立足于司法解釋的出臺(tái)這一新的法律背景,對(duì)銀行獨(dú)立保函操作各環(huán)節(jié)的業(yè)務(wù)風(fēng)險(xiǎn)進(jìn)行了分析,并提出了風(fēng)險(xiǎn)管理措施。二是本文充分結(jié)合筆者的保函從業(yè)經(jīng)驗(yàn),在分析過程中加入了大量的實(shí)務(wù)案例進(jìn)行佐證,從各業(yè)務(wù)環(huán)節(jié)的操作細(xì)節(jié)入手、對(duì)風(fēng)險(xiǎn)管理措施進(jìn)行了探討,具有極強(qiáng)的可操作性。
[Abstract]:With the development of "Belt and Road", China has been guiding enterprises to carry out the "going out" strategy and strengthening the international economic cooperation under the background of economic globalization. In recent years, China's economy has always maintained a relatively high growth rate, international investment and cooperation fields have been increasing, the scale is constantly expanding, independent guarantees as a wide range of use, simple and convenient operation, International settlement products, which are widely recognized in international transactions, provide strong credit support for Chinese enterprises. As one of the most commonly used forms of guarantee, the independent guarantee has rapidly gained the favor of the users in our country's economic development, especially in the foreign trade and economic exchanges, and the amount of settlement has been increasing continuously. Compared with the rapid development in the practical field, the development of the independent guarantee in the judicial field of our country is relatively slow. Until 2016, the independent guarantee has no relatively complete and detailed regulations in the judicial field. Therefore, the management and operation of the independent guarantee can not be agreed in practice. In recent years, there are quite a few litigation cases in the field of guarantee, which are caused by the contradiction between the judgment of the subordinate attribute of guarantee at home and the judgment of independence abroad. The difference in the judgment of this kind of independent guarantee at home and abroad has caused some difficulties for banks to carry out independent guarantee business as guarantors. From December 1, 2016, The Supreme people's Court has implemented the provisions of the Supreme people's Court concerning the trial of disputes over independent letters of guarantee (hereinafter referred to as "judicial interpretation"). The introduction of judicial interpretation has filled the blank of the relevant independent guarantee in the judicial field of our country, and will play a great role in promoting the development of the independent guarantee business and supporting the enterprises to "go out". Under the background of the change of the legal environment of the independent guarantee, the bank as the guarantor needs to adjust the business handling mode and the risk management mode of the independent guarantee. As a bank employee, the author tries to study the situation, business model and risk management mode of the bank in the field of independent guarantee under the new legal environment. Firstly, the author analyzes the current situation of the bank's independent guarantee business, analyzes the judicial background of the independent guarantee, the development of the business and the advantages of the bank's independent guarantee business. Then, from the point of view of the difference between the attribute guarantee and the independence guarantee, the paper expounds the recognition of the independent guarantee and its role in our country. Then it discusses the influence of the parties and the risks from the parties in the bank's independent guarantee business. Finally, from the practical point of view, according to the three links before, immediately and after opening, This paper puts forward a series of risk management measures in the development of independent guarantee business under a new practical environment. The innovation of this paper mainly includes two aspects. First, from the point of view of bank as guarantor, based on the new legal background of judicial interpretation, this paper analyzes the business risk of each link of bank independent guarantee operation, and puts forward the risk management measures. Second, this paper fully combines the author's experience in the practice of guarantee, adding a large number of practical cases to prove the analysis process, starting with the operational details of various business links, the risk management measures are discussed, which has a strong operability.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：D922.28;F832.2;F752

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