银行保函与备用信用证的风险及防范研究

发布时间：2018-02-11 06:33

本文关键词： 银行保函备用信用证异同风险防范　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着贸易全球化的不断深化,人们对国际贸易结算服务的要求也越来越高,相比于手续繁琐、单据复杂、费用高的商业信用证,银行保函和备用信用证手续简便和单据要求简单、结算时间短,可以为交易双方带来更多便捷,因此银行保函和备用信用证也越来越得到世界金融界业主和银行的青睐。银行保函和备用信用证都是国际贸易中的结算工具,在贸易结算和融资担保中扮演重要的角色。如今,作为国际担保的主要形式,备用信用证和银行保函在国际经济合作交易中的应用已经十分普遍。为了更深入地了解二者在国际贸易中的运用,本文对其所适用国际惯例的演变进行了描述。在国际贸易往来中,银行保函和备用信用证的应用有相同之处,也有不同之处。本文首先对二者的定义、分类及法律特征等方面进行了概述,之后就银行保函与备用信用证的相同点,分别在法律当事人、使用目的、适用范围、性质等方面进行了分析描述。为了能够更好地把握二者在国际经济交往中的运用,本文通过对其所适用的国际惯例、独立性、兑付方式、开立条件及付款依据进行比较,归纳出了二者在应用于交易中操作上所需考虑的不同之处。由于银行保函和备用信用证有其自身的特点,在经济合作中,各个当事人都面临着一定程度的风险。为了促进国际经济合作稳定顺利的进行,本文分别从申请人、受益人及开证行的角度对其所面临的风险进行了分析研究,并在此基础上提出了相应的解决对策。本文详细论述了银行保函和备用信用证各自的风险及防范措施,希望可以进一步促进国际经济贸易的发展并且有效维护各个当事人的合法权益。
[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.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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