备用信用证样本
保函或备用信用证(758版本)
保函/备用信用证样本FORMAT OF STANDBY LETTER OF CREDIT MT760 (URDG 758)Dear SirsTo: BANK OF COMMUNICATIONS CO., LTD OFFSHORE BANKING UNIT Date :From Bank :Bank Address :SWIFT :Bank Officer #1 :Account Number :Account Name :Amount : USD100,000,000.00Date of Issue :Date of Expiration :Transaction Code :Receiving Bank Name : Bank of communications co., Ltd Offshore Banking UnitBank Address : 1st floor, No.188, Yinchengzhong Road, Pudong,Shanghai, China, P.C : 200120SWIFT CODE : COMMCN3XOBUBank Officer : MR SONG MENGBank Tel.: 86-532-82958583 ; 86-532-82958586Beneficiary Name : Bank of communications co., Ltd Offshore Banking Unit For account of YIJIA ENERGY HONGKONG CO., LIMITEDBeneficiary Legal Address : 1st floor, No.188, Yinchengzhong Road, Pudong,Shanghai,China, P.C : 200120Account Name : YIJIA ENERGY HONGKONG CO., LIMITEDAccount No : OSA90000051080100We herewith open our standby letter of credit No: xxxxxxx as followsFor value received by us, we, the undersigned, (Name of Issuing Bank and Address)hereby issues our irrevocable and unconditional transferable divisible, assignable andwithout protest or notification promises to pay against this Irrevocable standby letter ofcredit No XXXXXXXXXXX . in favor of BANK OF COMMUNICATIONS CO., LTDOFFSHORE BANKING UNIT, FOR ACCOUNT OF YIJIA ENERGY HONGKONG CO.,LIMITED. the bearer or holder thereof, at maturity in one (1) year and one (1) day, the sumof USD100,000,000.00…, in the lawful currencyof the xxxxxxxxxxxxxxx, upon presentation and surrender of this standby letter of credit at any of the counter of [Name of Issuing Bank], but not later than fifteen(15) days after by the maturity date.Such payment shall be made without set-of and clear of any deductions, charges, fees or with holdings of any nature, now or hereinafter imposed, levied, collected, withheld or assessed by the government of [country of issue] or any political subdivision or authority thereof or therein.This standby letter of credit is cash backed, transferable, divisible and assignable without presentation of it to us and may be relied upon for the purposes of obtaining credit lines or loans.or payment of any transfer or assignable fees.Except as otherwise expressly stated herein, this standby letter of credit is govenment and constructed in accordance with the laws of xxxxxxxxxxxxxxxx (country of issue)This standby letter of credit is governed by the Uniform Rules for Demand Guarantees as set forth by the International Chamber of Commerce in Paris, France latest revision of publication 500/600 URDG 758.Your demand for payment should reach us not before xxxxxxxxxxxxxxxx(date) but notlater than xxxxxxxxxxxxxxxx(date) after which date, this standby letter of credit expires in full and should be considered null and void.This standby letter of credit is a fully performed and operative instrument that can beconfirmed and verified bank-to-bank by SWIFT. No E-mail confirmation will follow. allcharges are for the account of this applicant."For and on behalf of [Name of Issuing Bank]Authorized bank officer 1 Authorized bank officer 2 Name: Name:Title: Title:Pin code: Pin code:。
版本巴克莱银行备用证
AUTHENTICATED MT760 SBLC SPECIMEN VERBIAGE认证的MT760备用信用证样本ISSUING BANK: (NAME OF ISSUING BANK)开证行ADDRESS:地址PHONE:电话FAX:传真SWIFT CODE分行号BANK OFFICER:银行人员SBLC APPLICANT:备用信用证申请人RECEIVING BANK:收证行ADDRESS:地址PHONE:电话FAX:传真SWIFT CODE分行号BANK OFFICER:银行人员STANDBY LETTER OF CREDIT NUMBER:信用证号DATE OF ISSUE:开证日期DATE OF EXPIRATION:到期日BENEFICIARY:受益人ADDRESS:地址WE, HEREBY OPEN OURIRREVOCABLE,UNCONDITIONAL,TRANSFERABLE,DIVISIBLE,NEGOTIABLE, CASH BACKED STANDBY LETTER OF CREDIT IN YOUR FAVOR:XXXXXXXXXXXXXXXXXXXXXXXIN THE AMOUNT OF $500,000,000.00 (FIVE HUNDRED MILLION U.S DOLLARS) FOR THE ACCOUNT OF THE (LESSEE) COVERING: PERFORMANCE UNDER CONTRACT (REF NO:)兹开具不可撤销的，无条件的，可转让的，可分割，可承兑，现金支持的备用信用证以贵公司为受益人的：XXXXXXXXXXXXXXXXXXXXXXX总金额在$500,000,000.00为（承租人）账户的金额（五亿美元）：合同下的（合同编号:)PAYMENT IS AVAILABLE UPON THE PRESENTATION OF BENEFICIARY'S FIRST WRITTEN DEMAND MARKED DRAWN UNDER STANDBY LETTER OF CREDIT ON XXXXXXXXXXX DATED ACCOMPANIED BY:由受益人第一书面要求标记的备用信用证在****日可支付附件BENEFICIARY'S STATEMENT THAT A PAYMENT DUE UNDER THE CONTRACT HAS NOT BEEN EFFECTED,THEREFORE THE AMOUNT DRAWN HEREUNDER IS DUE AND OWING.受益人陈述支付日期在合同未生效前，付款到期合同项下尚未实行，因此金额为本到期应付。
美国第一银行备用信用证-版本
美國第一銀行備用信用証-版本===================USA FIRST BANK SBLC-FORMAT P.1/2----------------------- Message Header ---------------------Swift Input :FIN700 Issue of a Documentary CreditSender :FBOLUS6LXXXFIRST BANKLAKEWOOD, CA USReceiver :---------------------- Message Test ----------------------27: Sequence of Total : 1/140A: Form of Documentary CreditIRREVOCABLE STANDBY20: Documentary Credit Number : -----31C: Date of Issue2013-XX-XX40E: Applicable RulesISP LATEST VERSION31D: Date and Place of Expiry2014-XX-XX (365DAYS) OUR COUNTERS50: Applicant________________ INC.GRADENA,CA,USA.59: Beneficiary – Name & Address_____________CO., LTD.ADDRESS:__________________.32B: Currency Code, AmountAmount :USD_________39B: Maximum Credit AmountNOT EXCEEDING41D: Available With …..By……FIRST BANKBY PAYMENT42c: Drafts at……….SIGHT42D: Drawee – Name & AddressFIRST BANK4325 DEL AMO BLVDLAKEWOOD, CA 9071247A: Additional ConditionsIRREVOCABLE STANDBY LETTER OF CREDIT NO.FS------DATE: XX XX,2013GENTLEMEN:.WE HEREBY ISSUE OUR IRREVOCABLE STANDBY LETTER OF CREDIT NO.FS----- DATED XX XX,2013 IN YOUR FAVOR FOR ACCOUNT OF -----MERCHANDISING INC AT: ---------- CARDENA,CA,USA (APPLICANT) INTHE AMOUNT OF USD ------(US DOLLARS -----ONLY) AVAILABLE BY YOURDRAFT(S) AT SIGHT DRAWN ON FIRST BANK ACCOMPANIED BY THEFOLLOWING.DOCUMENTS:(1) BE NEFICIARY’S SIGNED STATEMENT CERTIFYING THAT THE AMUNTCLAIMED IS IN ACCORDANCE WITH THE TERMS AND CONDITIONS OFAGREEMENT NO.----- DATED XX-XX-2013.(2) ORIGINAL AUTHENTICATED SWIFT ADVICE (AMENDMENT MT707) FROML/C ISSUING BANK (FIRST BANK) TO ADVISING BANK INDICATINGTHAT APPLICANT CONFIRMS RECEIPT OF FUNDS OF AMOUNT FROMBENEFICIARY NOT LESS THAN THE AMOUNT OF CLAIM.(3) ORIGINAL COPY OF SIGNED AGREEMENT NO.---- MUST BE ATTACHED..PARTIAL DRAWINGS ARE PERMITTED..EACH DRAFT MUST STATE THAT IT IS DRAWN UNDER FIRST BANK,INTERNATIONAL DEPT. 4325 DEL AMO BLVD, LAKEWOOD CA 90712,LETTER OF CREDIT NO. FS---- DATE JUL XX, 2013..THIS CREDIT EXPIRES ON XX XX,2014 AT FIRST BANK,INTERNATIONAL OPERATIONS,4325 DEL AMO BLVD,LAKEWOOD CA90712..THE ORIGINAL OF THIS CREDIT MUST ACCOMPANY ALL DRAFT(S) ANDDOCUMENTS..WE HEREBY ENGAGE WITH YOU THAT YOUR DRAFT(S) DRAWN UNDER AND IN COMPLIANCE WITH THE TERMS OF THE LETTER OF CREDIT, TOGETHER WITH THE DOCUMENTS SPECIFIED HEREIN, WILL BE DULY HONORED IF PRESENTED ON OR BEFORE THE EXPIRATION DATE HEREOF..THE STANDBY LETTER OF CREDIT IS SUBJECT TO THE VERSION OF THE ICC INTERNATIONAL STANDBY PRACTICES ISP98, INTERNATIONALCHAMBER OF COMMERCE, PARIS, FRANCE, WHICH IS IN EFFECT ON THE DATE OF ISSUE.71B: Details of chargesALL CHARGES OTHER THAN THOSE OF THE ISSUING BANK ARE FOR ACCOUNT OF THE BENEFICIARY.49: Confirmation InstructionsWITHOUT----------------------- Message Trailer --------------------。
招商银行融资性保函（备用信用证）格式
招商银行融资性保函（备用信用证）格式附3—F招商银行融资性保函（备用信用证）格式China Merchants Bank Irrevocable Standby Letter of Credit for Finance Format Date of Issue: Advising Bank:Standby Letter of Credit Ref.:Date of Expiry:Beneficiary(name and address):Dear sirs,At the request of __________________(Applicant), we hereby establish our Irrevocable Standby Letter of Credit No. ___________________in your favour for upto the aggregate amount (inclusive of all accrued interests and charges) of (AMOUNT IN FIGURES AND WORDS)available by drafts drawn at sight on us marked “Drawn under China Merchants Bank, ______Branch Irrevocable Standby Letter of Credit No.____________ dated _________" and accompanied by a statement purportedly signed by the authorized officers of beneficiary stating that:We hereby certify that the amount of the draft represents the unpaid indebtedness (inclusive of accrued interests and charges) due to us by_________________ (Borrower) under the credit facilities granted by us to the Borrower.Special conditions:□partial drawing is allowed. □Multiple drawings are allowed.□All bank charges relating to this Standby Letter of Credit are for Applicant’s account.□All banking charges outside China are for account of the beneficiary.□This Standby Letter of Credit is non-transferable.This Standby Letter of Credit will expire on _________ (Expiry Date) at our counters. The above-mentioned drafts and statements must reach us at (address of the branch) ,China on or before the expiry date.We hereby agree and undertake that drafts drawn under and in compliance with the terms and conditions of this credit will be duly honoured upon presentationThis Standby Letter of Credit is subject to the International Standby Practices (ISP 98).China Merchants Bank Irrevocable Standby Letter of Credit for Finance Format中国招商银行不可撤销的备用信用证融资格式Date of Issue:发行日期:Advising Bank:通知行:Standby Letter of Credit Ref.:备用信用证Ref。
正式备用信用证文本
TO: I (THE “LENDER”)FROM: BANK AND BRANCH´S NAMEAT THE REQUEST OF CLIENT´S NAME (THE “APPLICANT”) WHICH HAS ITS REGISTERED ADDRESS AT XXX, WE, BANK AND BRANCH´S NAME, WITH OUR OFFICE AT XXX HEREBY ISSUE IN YOUR FAVOUR THIS IRREVOCABLE STAND-BY LETTER OF CREDIT NO. ( XXX) AMOUNTING TO CNY XXXX (SAY CHINESE XXX). THIS STAND-BY LETTER OF CREDIT IS TO SECURE THE OBLIGATIONS (INCLUDING BUT NOT LIMITED TO ANY INTEREST, COST, EXPENSES AND ANY OTHER SUMS), FROM TIME TO TIME, DUE AND PAYABLE TO YOU BY CLIENT´S NAME (THE “BORROWER”), WHICH HAS ITS REGISTERED ADDRESS AT XXX, UNDER THE FACILITY AGREEMENT (THE “FACILITY AGREEMENT”) WITH REFERENCE NO. XXX DATED XXX AMOUNTING TO CNY XXX (SAY:CHINESE XXX ONLY) FOR THE PURPOSE OF LOAN(CAN BE CHANGED ACCORDING TO THE PORPUSE OF THE OPERATION).应客户(申请人)_________要求(客户注册地：)，我行（分行地址：）开出以贵行为受益人的不可撤销备用信用证，信用证编号为：__________金额: _________（最大人民币金额）。
备用信用证格式
附件：IRREVOCABLE STAND-BY LETTER OF CREDITNO._______________DATE_______________TO: CHINA MINSHENG BANKING CORP. GUANGZHOU BRANCH ( HEREINAFTER CALLED THE “LENDER”)ADDRESS:FROM:________________________________________BANKADDRESS:WE HEREBY ISSUE OUR IRREVOCABLE STAND-BY LETTER OF CREDIT NO._____________________IN YOUR FAVOR FOR ACCOUNT OF __________________________________________ (THE BORROWER) WHICH HAS ITS REGISTERED OFFICE AT ____________________________________________(ADDRESS OF THE BORROWER) FOR AN AMOUNT OF UNITED STATES DOLLARS UP TO THE EQUIVALENT OF PRINCIPAL AMOUNT IN REMINBI YUAN ________________________________________________________(AMOUNTS IN WORDS) (RMB______________________AMOUNTS IN FIGURE) PLUS INTEREST ACCRUED FROM THE AFORESAID PRINCIPAL AMOUNT, COSTS AND FEES, AND OTHER BANKING CHARGES PAYABLE BY THE APPLICANT (THE BORROWER) AT THE RELEVANT EXCHANGE RATE OF USD/CNY QUOTED BY CMBC ON THE DATE OF YOUR DRAWING.UPON PRESENTATION OF YOUR DRAFT(S) AND YOUR TESTED TELEX DEMAND NOT LATER THAN THE EXPIRY DATE OF THE L/C STATING THATTHE AMOUNT DRAWN REPRESENTS THE UNPAID BALANCE OF INDEBTEDNESSDUE TO YOU BY THE BORROWER, WE SHALL, WITHIN SEVEN (7) BUSINESSDAYS PAY YOU THE AMOUNT SPECIFIED IN YOUR DRAFT(S) DRAWN ON US.EXCEPT AS EXPRESSLY STATED HEREIN, THIS UNDERTAKING IS NOT SUBJECTED TO ANY AGREEMENT, CONDITION OR QUALIFICATION. THE OBLIGATION OF THE ISSUING BANK UNDER THIS LETTER OF CREDIT SHALL BE THE INDIVIDUAL OBLIGATION OF THE BANK.THIS LETTER OF CREDIT WILL COME INTO EFFECT ON __________________, AND EXPIRE ON ________________ AT THE COUNTER OF CHINA MINSHENG BANKING CORP.ALL DRAFTS DRAWN HEREUNDER MUST BE MARKED DRAWN UNDER__________________________________________________(THE ISSUING BANK) STAND-BY LETTER OF CREDIT NO.__________________________________DATED____________________.WE ENGAGE WITH YOU THAT DRAFTS DRAWN UNDER AND IN COMPLIANCE WITH TERMS OF THIS CREDIT SHALL BE DULY HONORED ON DUE PRESENTATION TO US.THIS STAND-BY LETTER OF CREDIT IS SUBJECT TO UNIFORM CUSTOMS AND PRACTICE FOR DOCUMENTARY CREDITS (1993 REVISION) I.C.C. PUBLICATION NO. 500.BEST REGARDS.BY: _______________________NAME:_____________________TITLE: _____________________FOR AND ON BEHALF OF________________________________________________BANK。
备用信用证
备用信用证(2-1)LG14-012/142 ( SAMPLE LG transferred)银行保函14-012/142 （可转让银行信用证）--------------------------- Message Header -------------------------标题Swift Input : SBLC 760SWIFT（环球同业银行金融电讯协会）转入标准：备用信用证760Sender ：WINTER BANK,AUSTRIA发送者：奥地利冬季银行SWIFT:WISMATWWAXXXReceiver: XXXXXX BANK, CHINA接收方：中国XX银行SWIFT:XXXXXXXXXXXXX------------------------- Message Text (DRAFT) --------------------------------汇票20: Transaction Reference Number交易文件编号XXXXXX12: Sub-Message Type子消息编号：76077E: Proprietary Message专有信息REF: LG NO.XXXXX DD XXXXXX AMOUNT:USD000,000,000,00 ISSUED BY POITGB21XXX参考：LG NO.XXXXXDDXXXXXX量：美金000,000,000,00，发布点GB21XXX.DEAR SIRS, WE您好先生，WISMATWWAXXX ACCORDING THE INSTRUCTIONS OF THE FIRST我们依照某某公司WISMATWWAXXX的要求BENEFICIARY (TRANSFEROR) XXXXXXXXXXXXXXXXXXXXXXXX, TRANSFER OF THIS LG IN THE AMOUNT OF USD 000,000,000.00 TO THE SECOND BENEFICIARY (TRANSFEREE) AS FOLLOWING:.受益人（转让方）XXXXXXXXXXXXXXXXXXXXX,以美元结算下的数额USD000,000,000.00到第二受益人（受让人）QUOTE引用27: Sequence of Total总序列1/120: Transaction Reference Number交易文件编号XXXXXX23: Further Identification进一步跟进的Issue问题30: Date日期XXXXXXXXX某年某月某日40C: Applicable Rules适用规则OTHR其他77C: Details of Guarantee保证的详细细则LETTER OF GUARANTEE NO: 142/112/XXXXXX保证书：142/112/XXXXXXDATE OF ISSUE: 1403XX签发日期：1403XXDATE OF MATURITY: 1503XX到期日期：1503XXISSUER: POITGB21, POINT BANK , UK发送银行：英国点银行GB21ADDRESS OF THE ISSUER: 11 Church Road, Great Bookham, Surrey, KT23 3PB, UK 发送方地址：11教堂路，大波科海姆，萨里，英国KT23 3PBAPPLICANT: XXXXXXXXXXXXXX申请人：XXXXXXXXXXXXXXXSECOND BENEFICIARY'S BANK: XXXXXXXXXX BANK,CHINA 第二受益人银行：XXXXXXXXXXXX银行，中国SWIFT:（环球同业银行金融电讯协会）XXXXXXXXXXXXXXBENEFICIARY: XXXXXXXXX受益人：XXXXXXXXXXXACC NO. XXXXXXXXXXXXACC 编号.AMOUNT (FACE VALUE): USD 000,000,000.00金额（票面价值）：USD000,000,000.00FOR THE VALUE RECEIVED, WE, THE UNDERSIGNED, POINTBANK LOCATEDAT 11 Church Road, Great Bookham, Surrey, KT23 3PB, UK, HEREBYIRREVOCABLY AND UNCONDITIONALLY, WITHOUT PROTEST ORNOTIFICATION, PROMISE TO PAY AGAINST THIS LETTER OF GUARANTEE TOTHE ORDER OF SECOND BENEFICIARY THEREOF, BEFORE OR AT THE DATE OF MATURITY, UPON RECEIPT OF SECOND BENEFICIARY’SFIRST WRITTEN DEMAND.OUR GUARANTEE IS VALID TILL 1503XX AND EXPIRES IN FULL ANDAUTOMATICALLY为获得彼此共同价值，我们签署英国点银行地址在11 Church Road, Great Bookham, Surrey, KT23 3PB, UK,不可撤销和无条件的，没有抗议或通知，支付承诺没有抗议，支付承诺对本第二受益人的要求，或之前，在到期日，第二受益人要求持有书面收据，我们的担保有效期至1503XX，而且将自动生效IF WE DO NOT RECEIVE THE REQUEST FOR PAYMENT, EITHER IN WRITINGOR BY SWIFT,ON OR BEFORE THAT DATE. CLAIMS AND RIGHTS RESULTING THIS L/G CANONLY BE ASSIGNED AND PRESENTED WITH OUR PRIOR WRITTEN CONSENT(MT 799)..如果我们没有收到付款要求，以书面形式SWIFT为准则，在该日期或之前，权力利益的产生，本保函只能分配和提交我方事先书面意,(MT799)SUCH PAYMENT SHALL BE MADE WITHOUT SET-OFF FREE AND CLEAR OFANYDEDUCTION, CHARGES, FEES, OR WITHHOLDING OF ANY ASSESSED BY THEGOVERNMENT, OR ANY POLITICAL SUBDIVISION OF AUTHORITY THEREOFOR THEREIN.此种支付应无抵消和自由，没有任何义务扣除，改变收费或扣缴方式，目前或是以后征收，自动扣交，截留或由及政府的评估或任何政府内权威部门的评估.THIS GUARANTEE IS AS CASH BACKED, IRREVOCABLE, NEGOTIABLE,DIVISIBLE, ASSIGNABLE WITHOUT PRESENTATION TO US AND WITHOUT THE PAYMENT OF ANY TRANSFER FEES..为了保证现金安全，不可撤销跟单信用证，可转让跟单信用证，可分开跟单信用证，介绍给我们，并不付任何手续费用，THIS GUARANTEE IS SUBJECT TO THE UNIFORM RULES FOR DEMANDGUARANTEES, ICC PUBLICATION NO.758.THIS IS AN OPERATIVE INSTRUMENT AND NO MAIL CONFIRMATION WILLFOLLOW..这种保证是在确定双方利益的前提下订立的，依据国际法条款（ICC）第NO.758。
备用信用证 样本
备用信用证
（通过SWIFT向指定银行发行）
我方藉此向_____ 开立不可撤销可转让的信用证，编号为：XXXX。
受益人为________（客户姓名及地址），合计金额不超过USD$XXX,000,000.00（XXX 百万美元）计帐交易), 资产提供者公司，由我行开具即期汇票。
汇票开具时必须标注（汇丰银行）信用证编号：XXXX。
汇票必须在______（日期）之前提交至我行位于德国法兰克福的总行备用信用证部门。
我们双方须达成一致，即：开具的汇票和此信用证的相关条款及各项条件须在双方共同遵守的条件下才于以承付。
关于这张信用证与我行联系时请务必以书面形式提交，并注明：备用信用证部门，其后紧跟这张信用证的编号。
除了以上清楚描述的条款以外，这份信用证还受到国际商会第590号出版物《国际备用证惯例》（ISP98）的约束。
有效期自1999年1月1日至今。
这份文件是有效的。
无需其他文件证明。
备用信用证格式
备用信用证格式STANDBY LETTER OF CREDIT备用信用证To : Financing Bank提供资金的银行This is an irrevocable Standby Letter of Credit No.此份为不可撤消备用信用证:issued on_____________ by China Minsheng Banking Corp. Ltd. ,xxx Branch(hereunder referred to as the “Issuing Bank”)月____日开立。
由中国民生银行xxx分行(以下简称为开证行)于____年____ Beneficiary : ___Financing Bank__________________________________ 受益人:___提供资金的银行___Applicant : _______________________________________开证申请人:______Amount : __(in words)__________________ ( __infigure____________________) 金额:(大写)______(数字______) Expiry Date :_________________at Issuing Bank’s Counter到期日:______(以开证行柜台日期为准).At the request and for account of (hereunder referred to as the “Applicant”)we, China Minsheng Banking Corp. Ltd. ,xxx Branch, hereby establish our irrevocable Standby Letter Of Credit No._______________ in favour of you (Financing Bank), for themaximum amount of ( __in figure__ USD xxx.xx_)_(in words Say United States Dollars xxx only) covering the principal sum with accrued interest, accrued default interest and other banking chargers which (hereinafter referred to as the “Borrower” ) owes to you as itsindebtedness pursuant to the Loan Agreements/ Banking Facilities reference No.between the Borrower and you.应_______(在此填写开证申请人)的要求，并由其自费, 我方中国民生银行xxx 分行，特此开立此不可撤消备用信用证，信用证号码:______经由你出资银行同意，最高金额为____,数字USDxxxx,_____(大写～共计美金xxxx元整)。
《备用信用证》课件
备用信用证的风险和注意事项
1
欺诈
不法经营者可能通过恶意索款的方式诈骗货款，注意甄别。
2
支付困难
在金融风暴等情况下，以信用为基础的支付保证可能难以得到执行，因此该方法 只作为备选方案使用。
3
变更难
一旦签署备用信用证条款之后，变更通常将会引起难以解决的问题。
备用信用证的未来发展趋势
技术创新
随着互联网技术的不断发展， 许多传统的信用证支付方式 可能被数字货币取代。
开立备用信用证比其他保障方 式更好地保障了出口商利益， 因此可让出口商在市场竞争中 更激进和自信。
备用信用证的流程和操作步骤
开立备用信用证
申请开证人与开证行订立合同，开证行审核 开证人资信状况后开立电文备用信用证通知 付款行。
审核文件
付款行审核与电文指令相符的单据和文件， 符合即可付款。
接到备用信用证委托
3
多样化
备用信用证的种类和条款种类繁多，具有灵活性。
4
成本高
不同于其他保证方式，开立备用信用证需要支付高昂的费用。
备用信用证的应用场景和优势
国际贸易场景
当涉及到跨国交易，遇到复杂 的贸易支付方式和条件，备用 信用证是一种很好的选择。
支付保障优势
竞争优势
备用信用证样本留存在申请人 处，如果付款行不能及时付款， 申请人可以透过银行来获得相 应的保证，减轻支付风险。
政策变化
许多国家政策正在导致受到 制裁或管理的企业难以使用 银行支付方式，因此银行的 替代方案可能更加受欢迎。
市场竞争
在全球化的商业环境中，银 行会一直寻求不断完善和改 进备用信用证服务以提高竞 争力。
备用信用证是另一种支 付方式的备选方案，只 有在主要支付方式无法 实现时才会被启用。
备用信用证详解及样本
备用信用证详解及样本什么是备用信用证，备用信用证的融资性质：备用信用证又称担保信用证，是指不以清偿商品交易的价款为目的，而以贷款融资，或担保债务偿还为目的所开立的信用证。
备用信用证是在美国发展起来的一种以融通资金、保证债务为目的的金融工具。
在十九世纪初，美国有关法例限制银行办理保函业务，然而随着各项业务的发展，银行确有为客户提供保证业务的需要，因而产生了备用信用证。
由此可见，备用信用证就是一种银行保函性质的支付承诺。
在备用信用证中，开证行保证在开证申请人未能履行其应履行的义务时，受益人只要凭备用信用证的规定向开证行开具汇票，并随附开证申请人未履行义务的声明或证明文件即可得到开证行偿付。
备用信用证只适用《跟单信用证统一惯例》（500号）的部分条款。
备用信用证有如下性质：1、不可撤销性。
除非在备用证中另有规定，或经对方当事人同意，开证人不得修改或撤销其在该备用证下之义务。
2、独立性。
备用证下开证人义务的履行并不取决于：a.开证人从申请人那里获得偿付的权利和能力；b.受益人从申请人那里获得付款的权利；c.备用证中对任何偿付协议或基础交易的援引；d.开证人对任何偿付协议或基础交易的履约或违约的了解与否。
3、跟单性。
开证人的义务要取决于单据的提示，以及对所要求单据的表面审查。
4、强制性。
备用证在开立后即具有约束力，无论申请人是否授权开立，开证人是否收取了费用，或受益人是否收到或因信赖备用证或修改而采取了行动，它对开证行都是有强制性的。
备用信用证（STANDBY L/C）的种类：根据在基础交易中备用信用证的不同作用主要可分为以下8类：1．履约保证备用信用证（PERFORMANCE STANDBY）——支持一项除支付金钱以外的义务的履行，包括对由于申请人在基础交易中违约所致损失的赔偿。
2．预付款保证备用信用证（ADV ANCE PAYMENT STANDBY）——用于担保申请人对受益人的预付款所应承担的义务和责任。
备用信用证(Standby LC)
备用信用证（Standby L／C）国际商会“UCP 500”规定，该惯例也适用于备用信用征。
备用信用证的定义和前述信用证的定义并无不同，都是银行（开证行）应申请人的请求，向受益人开立的，在一定条件下凭规定的单据向受益人支付一定款项的书面凭证。
所不同的是，规定的单据不同。
备用信用证要求受益人提交的单据，不是货运单据，而是受益人出具的关于申请人违约的声明或证明。
传统的银行保函有可能使银行卷入商业纠纷，美、日等国的法律禁止银行开立保函。
于是美国银行采用备用信用证的形式，对国际经济交易行为提供担保。
随着银行保函在应用中性质的变化，特别是1992年国际商会《见索即付保函统一规则》的公布，银行保函和备用信用证的内容和作用已趋一致。
所不同的只是两者遵循的惯例不同。
备用信用证运用于“UCP 600”，而银行保函则适用于上述《规则》。
备用信用证是担保银行向贴现或贷款银行承诺到期为借款方偿还债务，如果借款方到期偿还了贷款，那么，备用信用证就备而不用，如果，借款方到期不归还贷款，那么，备用信用证就起作用，担保银行就要为借款方向贷款银行偿还贷款。
备用信用证有无条件兑付信用证和有条件兑付信用证。
备用信用证样本1：T Bank of communications, SHENYING BranchFrom: XYZ BANKDate: 20 DECEMBER 2004Standby Letter of CreditWith reference to the loan agreement no. 2004HN028 (hereinafter referred to as "the agreement" ) signed between Bank of Communications, SHENYANG Branch (hereinafter referred to as "the lender" ) and LIAONING ABC CO., LTD (hereinafter referred to as "the borrower" )for a principal amount of RMB2,000,000 (in words),we hereby issue our irrevocable standby letter of credit no.810LC040000027D in the lender's favor for amount of the HONGKONG AABBCC CORPORATION which has its registered office at AS 8 FL. 2SEC. CHARACTER RD. HONG KONG for an amount up to UNITED STATES DOLLARS THREE MILLION ONLY.(USD3,000,000) which covers the principal amount of the agreement plus interest accrued from aforesaid principal amount and other charges all of which the borrower has undertaken to pay the lender. The exchange rate will be the buying rate of USD/RMB quoted by Bank of Communications on the date of our payment. In the case that the guaranteed amount is not sufficient to satisfy your claim due to the exchange rate fluctuation between USD and RMB we hereby agree to increase the amount of this standby L/C accordingly.Partial drawing and multiple drawing are allowed under this standby L/C.This standby letter of credit is available by sight payment. We engage with you that upon receipt of your draft(s) and your signed statement or tested telex statement or SWIFT stating that the amount in USD represents the unpaid balance of indebtedness due to you by the borrower, we will pay you within 7 banking days the amount specified in your statement or SWIFT. All drafts drawn hereunder must be marked drawn under XYZ Bank standby letter of credit no. 810LC040000027D dated 20 DECEMBER 2004.This standby letter of is credit will come into effect on 20 DECEMBER 2004 and expire on 09 DECEMBER 2005 at the counter of bank of Communications , SHENYANG branch.This standby letter of credit is subject to Uniform Customs and Practice for Document Credits(1993 revision) International Chamber of Commerce Publication No.500.备用信用证样本2：To: Bank of communications, SHENYANG BranchFrom: XYZ BANKDate: 20 DECEMBER 2004Standby Letter of CreditWith reference to the loan agreement no. 2004HN028 (hereinafter referred to as "the agreement" ) signed between Bank of Communications, SHENYANG Branch (hereinafter referred to as "the lender" ) and LIAONING ABC CO., LTD (hereinafter referred to as "the borrower" )for a principal amount of RMB2,000,000 (in words),we hereby issue our irrevocable standby letter of credit no.810LC040000027D in the lender's favor for amount of the HONGKONG AABBCC CORPORATION which has its registered office at AS 8 FL. 2SEC. CHARACTER RD. HONGKONG for an amount up to UNITED STATES DOLLARS THREE MILLION ONLY.(USD3,000,000) which covers the principal amount of the agreement plus interest accrued from aforesaid principal amount and other charges all of which the borrower has undertaken to pay the lender. The exchange rate will be the buying rate of USD/RMB quoted by Bank of Communications on the date of our payment. In the case that the guaranteed amount is not sufficient to satisfy your claim due to the exchange rate fluctuation between USD and RMB we hereby agree to increase the amount of this standby L/C accordingly.Partial drawing and multiple drawing are allowed under this standby L/C.This standby letter of credit is available by sight payment. We engage with you that uponreceipt of your draft(s) and your signed statement or tested telex statement or SWIFT stating that the amount in USD represents the unpaid balance of indebtedness due to you by the borrower, we will pay you within 7 banking days the amount specified in your statement or SWIFT. All drafts drawn hereunder must be marked drawn under XYZ Bank standby letter of credit no. 810LC040000027D dated 20 DECEMBER 2004.This standby letter of is credit will come into effect on 20 DECEMBER 2004 and expire on 09 DECEMBER 2005 at the counter of bank of Communications , SHENYANG branch.This standby letter of credit is subject to Uniform Customs and Practice for Document Credits(1993 revision) International Chamber of Commerce Publication No.500.。
备用信用证样本
备用信用证样本（交通银行的融资性备用信用证样本）：To: Bank of communications, SHENY ANG BranchFrom: XYZ BANKDate: 20 DECEMBER 2004Standby Letter of CreditWith reference to the loan agreement no. 2004HN028 (hereinafter referred to as "the agreement" ) signed between Bank of Communications, SHENY ANG Branch (hereinafter referred to as "the lender" ) and LIA ONING A BC CO., L TD (hereinafter referred to as "the borrower" )for a principal amount of RMB2,000,000 (in words),we hereby issue our irrevocable standby letter of credit no.810LC040000027D in the lender's favor for amount of the HONGKONG AABBCC CORPORATION which has its registered office at AS 8 FL. 2SEC. CHA RA CTER RD. HONGKONG for an amount up to UNITED STATES DOLLARS THREE MILLION ONLY.(USD3,000,000)which covers the principal amount of the agreement plus interest accrued from aforesaid principal amount and other charges all of which the borrower has undertaken to pay the lender. The exchange rate will be the buying rate of USD/RMB quoted by Bank of Communications on the date of our payment. In the case that the guaranteed amount is not sufficient to satisfy your claim due to the exchange rate fluctuation between USD and RMB we hereby agree to increase the amount of this standby L/C accordingly.Partial drawing and multiple drawing are allowed under this standby L/C.This standby letter of credit is available by sight payment. We engage with you that upon receipt of your draft(s) and your signed statement or tested telex statement or SWIFT stating that the amount in USD represents the unpaid balance of indebtedness due to you by the borrower, we will pay you within 7 banking days the amount specified in your statement or SWIFT. All drafts drawn hereunder must be marked drawn under XYZ Bank standby letter of credit no. 810LC040000027D dated 20 DECEMBER 2004.This standby letter of is credit will come into effect on 20 DECEMBER 2004 and expire on 09 DECEMBER 2005 at the counter of bank of Communications , SHENY ANG branch.This standby letter of credit is subject to Uniform Customs and Practice for Document Credits(1993 revision) International Chamber of Commerce Publication No.500.案例来说明备用信用证是如何帮助公司融资的以及其中相应的风险。
保函或备用信用证(758版本)
保函/备用信用证样本FORMAT OF STANDBY LETTER OF CREDIT MT760 (URDG 758)Dear SirsTo: BANK OF COMMUNICATIONS CO., LTD OFFSHORE BANKING UNIT Date :From Bank :Bank Address :SWIFT :Bank Officer #1 :Account Number :Account Name :Amount : USD100,000,000.00Date of Issue :Date of Expiration :Transaction Code :Receiving Bank Name : Bank of communications co., Ltd Offshore Banking UnitBank Address : 1st floor, No.188, Yinchengzhong Road, Pudong,Shanghai, China, P.C : 200120SWIFT CODE : COMMCN3XOBUBank Officer : MR SONG MENGBank Tel.: 86-532-82958583 ; 86-532-82958586Beneficiary Name : Bank of communications co., Ltd Offshore Banking Unit For account of YIJIA ENERGY HONGKONG CO., LIMITEDBeneficiary Legal Address : 1st floor, No.188, Yinchengzhong Road, Pudong,Shanghai,China, P.C : 200120Account Name : YIJIA ENERGY HONGKONG CO., LIMITEDAccount No : OSA90000051080100We herewith open our standby letter of credit No: xxxxxxx as followsFor value received by us, we, the undersigned, (Name of Issuing Bank and Address)hereby issues our irrevocable and unconditional transferable divisible, assignable andwithout protest or notification promises to pay against this Irrevocable standby letter ofcredit No XXXXXXXXXXX . in favor of BANK OF COMMUNICATIONS CO., LTDOFFSHORE BANKING UNIT, FOR ACCOUNT OF YIJIA ENERGY HONGKONG CO.,LIMITED. the bearer or holder thereof, at maturity in one (1) year and one (1) day, the sumof USD100,000,000.00…, in the lawful currencyof the xxxxxxxxxxxxxxx, upon presentation and surrender of this standby letter of credit at any of the counter of [Name of Issuing Bank], but not later than fifteen(15) days after by the maturity date.Such payment shall be made without set-of and clear of any deductions, charges, fees or with holdings of any nature, now or hereinafter imposed, levied, collected, withheld or assessed by the government of [country of issue] or any political subdivision or authority thereof or therein.This standby letter of credit is cash backed, transferable, divisible and assignable without presentation of it to us and may be relied upon for the purposes of obtaining credit lines or loans.or payment of any transfer or assignable fees.Except as otherwise expressly stated herein, this standby letter of credit is govenment and constructed in accordance with the laws of xxxxxxxxxxxxxxxx (country of issue)This standby letter of credit is governed by the Uniform Rules for Demand Guarantees as set forth by the International Chamber of Commerce in Paris, France latest revision of publication 500/600 URDG 758.Your demand for payment should reach us not before xxxxxxxxxxxxxxxx(date) but notlater than xxxxxxxxxxxxxxxx(date) after which date, this standby letter of credit expires in full and should be considered null and void.This standby letter of credit is a fully performed and operative instrument that can beconfirmed and verified bank-to-bank by SWIFT. No E-mail confirmation will follow. allcharges are for the account of this applicant."For and on behalf of [Name of Issuing Bank]Authorized bank officer 1 Authorized bank officer 2 Name: Name:Title: Title:Pin code: Pin code:。
备用信用证详解及样本
备用信用证详解及样本备用信用证是一种用于保障买卖双方利益的支付方式，特别适用于贸易中存在一定风险或可疑情况的情况下。
它是指在正式信用证未能履行或无法履行时，由发证行按约定条件执行的一种付款代理方式。
下面将详细介绍备用信用证的具体内容，并提供一份备用信用证的样本。
2.信用证号码和日期：备用信用证应有唯一的信用证号码，并标明信用证的日期。
3.被保证金额和货币种类：备用信用证中应明确规定所保证的金额和货币种类。
4.履约条件：备用信用证中应明确规定履约条件，即在何种情况下可以触发备用信用证的履行，如正式信用证未能履行或无法履行。
5.履行期限：备用信用证中应明确规定履行期限，即受益人需要在何时之前提出支付申请并向发证人提供履行文件。
6.履行文件和检查要求：备用信用证中应明确规定受益人需要提供的履行文件，并具体规定发证人对相关文件的检查要求。
7.付款条款和方式：备用信用证中应明确规定付款的条款和方式，包括付款金额、付款期限以及付款方式（如电汇、票据等）。
日期：2024年1月1日发证人：XXXX银行地址：XXXXX街道XX号受益人：XXXX公司地址：XXXXX街道XX号一、被保证金额和货币种类：本备用信用证保证金额为：XXX万美元（大写：XXX万美元），货币种类为美元。
二、履约条件：正式信用证无法履行或未能履行时，本备用信用证将按照第三章第4条的条件履行。
三、履行期限：受益人需在正式信用证无法履行或未能履行之日起的30个工作日内向发证人提出履行申请，并向发证人提供以下履行文件：1.交货清单：受益人应向发证人提供货物的详细交货清单。
2.提单副本：受益人应向发证人提供货物的提单副本。
3.发票：受益人应向发证人提供货物的发票。
四、履行文件和检查要求：发证人将按照国际贸易惯例对受益人提供的履行文件进行检查，确保文件的真实有效。
五、付款条款和方式：受益人向发证人提出履行申请后，发证人将按照条款规定的付款金额、付款期限和付款方式进行支付。
备用信用证样本
DATE OF DRAFT: DDMMYYYYDRAFT SAMPLE – REVIEW AND APPROVAL ONLY ANNEX 1 Swift Input : FIN 760 Guarantee,/Stdby Letter Credit Sender : WISMATWWXXXReceiver : <TO BE ADVISED>----------------------------- MESSAGE TEXT ---------------------------------- 27: SEQUENCE OF TOTAL: 1/120: TRANSACTION REFERENCE NUMBER: <TO BE ADVISED>23: FURTHER IDENTIFICATION: <DRAFT FOR REVIEW ONLY>30: DATE OF ISSUE: <DRAFT FOR REVIEW ONLY>40C: APPLICABLE RULES: OTHR77C: DETAILS OF GUARANTEE:6 monthsTYPE OF SBLC: IRREVOCABLE, TRANSFERABLEAPPLICANT:KIZO AND SONS LTDBENEFICIARY:Zhejiang OneTouch Business Service Co.,LtdADVISING BANK: Bank Of China Shenzhen Branch.BANK ADDRESS:InternationalFinancial Bldg.,2022Jianshe Road,Shenzhen,ChinaSWIFT CODE:BKCHCNBJ45AAMOUNT:USD 102,980 (UNITED STATES DOLLARS AMOUNT IN WORDS ONLY)EXPIRY DATE AND PLACE: 60DAYS AFTER ISSUANCESLC NO: <TBA>ATTN: L /C ADVISING DEPARTMENTWE HAVE BEEN INFORMED BY OUR CLIENT, (APPLICANT) ACTING ON BEHALF OF KIZITO OJONI(THE BUYER PARTY) THAT YOU HAVE CONCLUDED AN AGREEMENT WITH THEM THAT INCLUDESTHE ISSUANCE OF A STANDBY LETTER OF CREDIT.WE, BANK WINTER + CO. AG, VIENNA, AUSTRIA, HEREBY IRREVOCABLE AND UNCONDITIONALLY (EXPECT AS STATED HEREIN BELOW) WITHOUT PROTEST OF NOTIFICATION PROMISE TO PAY AGAINST THIS STANDBY LETTER OF CREDIT NUMBER XXXXX IN FAVOUR OF Zhejiang OneTouch Business Service Co.,Ltd (HEREINAFTER REFERRED TO AS BENEFICIARY) ISSUED BY THE ORDEROF (APPLICANT) ON BEHALF OF KIZO AND SONS LTD FOR THE SUM OF USD 102,980 (AMOUNT IN WORDS) UPON PRESENTATION OF AN AUTHENTICATED COPY OF THE STANDBY LETTER OF CREDIT AT OUR COUNTERS IN VIENNA, AUSTRIA, ON EXPIRY DATE DDMMYYYY BUT NOT EARLIER THAN FIFTEEN (15) DAYS BEFORE EXPIRY DATE (DDMMYYYY) ACCOMPANIED BY APPLICANT’S CONFIRMATION OF FULFILMENT OF THE OBLIGATIONS BY BENEFICIARY_________________________________________________________________________________________________ APPROVAL - SIGNATURE OF THE DRAFT SAMPLE INSTRUMENT SIGNIFIES AND CONFIRMS:That we are in receipt of your Financial Instrument Draft ID No: B_XXXDDMMYYYYBW, we have read the terms andconditions of the Draft verbiage and confirm that is correct in every respect and has been approved, accepted by us and allparties and that no further amendment is required from the Beneficiary, Advising Bank and the Applicant prior and/or afterthe swift issuance. We hereby approve the draft and its SWIFT Issuance / Transmission. Furthermore we note that this is aDraft Sample for Revi ew Only and it’s not considered as the actual issued instrument.Date: .............. -............... -....................Auth. Signature / Seal: …......................................Name of company: ..................................................................................Title: ................................................DATE OF DRAFT: DDMMYYYYDRAFT SAMPLE – REVIEW AND APPROVAL ONLY ANNEX 1TOWARDS BUYER/PARTY SENT BY US VIA AN AUTHENTICATED SWIFT TO BENEFICIARY THROUGH ADVISING BANK.THIS SWIFT MESSAGE WILL BE ISSUED ONLY UPON RECEIPT OF APPLICANT’S ACCEPTABLE INSTRUCTIONS AND APPLICANT’S FULFI LMENT OF OBLIGATION TOWARDS THE ISSUING BANK.SUCH PAYMENT SHALL BE MADE WITHOUT SET-OFF AND CLEAR OF ANY DEDUCTIONS, CHARGES, FEES OR WITHHOLDINGS OF ANY NATURE NOW OR HEREAFTER IMPOSED, LEVIED, COLLECTED, WITHHELD OR ASSESSED BY THE GOVERNMENT OF THE ISSUING BANK OR AUTHORITY THEREOF OR THEREIN..THIS STANDBY LETTER OF CREDIT IS SUBJECT TO UNIFORM CUSTOMS AND PRACTICE FOR DOCUMENTARY CREDITS (LATEST REVISION) INTERNATIONAL CHAMBER OFCOMMERCE PUBLICATION: 600..ANY CLAIM FOR PAYMENT HAS TO BE SENT IN ONE LOT TO OUR ADDRESS:BANK WINTER AND CO AKTIENGESELLSCHAFTSIGNERSTRASSE 10, 1010,VIENNA, AUSTRIA.ALL CHARGES AND EXPENSES IN CONNECTION WITH THIS SBLC OUTSIDE THE OPENING BANK IS TO THE DEBIT OF BENEFICIARY. PAYMENT OF THESE CHARGES MAY NOT BE WAIVED..PARTIAL CLAIMS AND/OR PAYMENTS ARE NOT ALLOWED..ANY CLAIMS VIA SWIFT ARE PROHIBITED..THIS SBLC IS TRANSFERABLE UNDER THE CONDITION THAT;+ALL TERMS AND CONDITIONS OF THIS SBLC REMAIN UNCHANGED+ALL CHARGES FOR TRANSFER ARE FOR BENEFICIARY’S ACCOUNT+NAME OF TRANSFEREE IS PROVIDED TO ISSUING BANK AND ISSUING BANK EXPRESSED ITS CONSENT TO THIS TRANSFER BY AUTHENTICATED SWIFT MESSAGE..BEST REGARDSBANK WINTER + CO AG, VIENNA_________________________________________________________________________________________________ APPROVAL - SIGNATURE OF THE DRAFT SAMPLE INSTRUMENT SIGNIFIES AND CONFIRMS:That we are in receipt of your Financial Instrument Draft ID No: B_XXXDDMMYYYYBW, we have read the terms andconditions of the Draft verbiage and confirm that is correct in every respect and has been approved, accepted by us and allparties and that no further amendment is required from the Beneficiary, Advising Bank and the Applicant prior and/or afterthe swift issuance. We hereby approve the draft and its SWIFT Issuance / Transmission. Furthermore we note that this is aDraft Sample for Review Only and it’s not considered as the actual issued instrument.Date: .............. -............... -....................Auth. Signature / Seal: …......................................Name of company: ..................................................................................Title: ................................................。
备用信用证格式(中英文翻译版本)
FORM OF STANDBY LETTER OF CREDITAT THE REQUEST OF__________________________(HEREUNDER REFERED TO AS “THE APPLICANT”), WE HEREBY ISSUE OUR IRREVOCABLE STANDBY LETTER OF CREDIT NO_________________IN FA VOUR OF INDUSTRIAL BANK CO., LTD.TIANJIN BRANCH FOR FACILITIES UNDER LOAN AGREEMENT NO._____________ GRANTED TO________________________________________(“BORROWER”)AND FOR UP TO THE AGGREGATE AMOUNT OF U.S. DOLLARS(IN WORD)____________________(USD )A V AILABLE FOR PAYMENT AGAINST YOUR TESTED TELEX OR AUTHENTICA TED SWIFT TO US STATING AS FOLLOWS: THE AMOUNT OF SUCH CLAIM(S) REPRESENTS AND COVERS THE UNPAID INDEBTEDNESS (INCLUSIVE OF ACCRUED INTERESTS, CHARGES AND OTHER EXPENSES) DUE TO US BY _____________________(“BORROWER”) UNDER THE LOAN AGREEMENT NO ________________IN RESPECT OF LOAN FACILITY GRANTED BY US TO THE BORROWER”.“WE HEREBY CERTIFY THAT THE SELLING RA TE OF U.S. DOLLARS TO RENMINBI QUOTED BY INDUSTRIAL BANK, TIANJIN BRANCH ON THE DATE OF YOUR DRAWING SHALL BE USED FOR THE CALCULATION OF YOUR DRAWING AMOUNT.ALL BANK CHARGES RELATING TO THIS STANDBY LETTER OF CREDIT ARE FOR APPLICANT ACCOUNTPARTIAL DRAWINGS ARE ACCEPTABLE.THIS STANDBY LETTER OF CREDIT IS NON-TRANSFERABLETHIS STANDBY LETTER OF CREDIT IS EFFECTIVE FROM ____________AND EXPIRE ON _________________AT THE COUNTER OF INDUSTRIAL BANK CO., LTD. TIANJIN BRANCH, ALL CLAIMS HEREUNDER MUST REACH TO US NOT LATER THAN THE ABOVE MENTIONED EXPIRY DATE AND AFTER THE EXPIRY DATE THIS STANDBY LETTER OF CREDIT AUTOMATICALL Y BECOMES NULLWE HEREBY AGREE AND UNDERTAKE THAT YOUR CLAIM(S) UNDER AND IN COMPLICANCE WITH THE TERMS AND CONDITIONS OF THIS CREDIT WILL BE DUL Y HONOURED UPON PRESENTA TION.THIS STANDBY LETTER OF CREDIT IS SUBJECT TO THE UNIFORM CUSTOMS AND PRACTICE FOR DOCUMENTARY CREDITS(2007 REVISION) INTERNATIONAL CHAMBER OF COMMERCE PUBLICATION NO.600备用信用证格式根据__________(下文称为“申请人”)的要求，我们在此开出我们的不可撤消备用信用证，编号：_________,以兴业银行股份有限公司天津支行为受益人，根据授予_____________（“借款人”）的贷款协议，编号：____________,最高总额为U.S.___________(大写)美元(USD___________),通过加押电传或经证实的SWIFT（环球同业银行金融电讯协会）支付，内容如下：“我们在此特证明，根据___________ “借款人”与我方之间的借款融通之贷款协议，编号：________________,该索赔金额代表且涵盖“借款人”欠我方的未付债务（包括应计的利息、手续费及其他费用）。
备用信用证格式
FORMAT OF STANDBY LETTER OF CREDITTo: Bank of Limited, XX(city) XX sub-branch(beneficiary)Fm: Bank of China (Hong Kong Limited (issuing bank)中行（香港）Date:__________ 日期Re our irrevocable standby letter of credit no.________________我们的不可撤销备用信用证号：Applicant:___________________________________申请方：Beneficiary:_________________________________ 受益方：Standby l/c amount:USD________________ 备用信用证金额：We hereby issue our irrevocable standby letter of credit no.________我们目前签署不可撤销备用信用证，信用证号为：In your favour for account of ________________________(the borrower) of USD_____________ available by your tested swift message demand worded as follows: “we certify that the amount demanded hereunder represents and covers the unpaid indebtedness and interest thereon due to ourselves arising from our granting general banking facilities to (“the borrower”). ”以你方（借款方）为受益人的美元金额为的借款通过如下验证后的银行SWIFT 信息文字表述如下：“我们确认我行有足够的能力能支付给借方申请的款项及利息（借出方）Your tested swift message demand must bear the clause ‘drawn under standby letter of credit no. ’你方的SWIFT 验证信息应有如下备用信用证条款：“Down under standby letter of credit NO. 在备用信用证号NO 项下，your demand payment amount shall not exceed the amount of this standby letter of credit. 借方的要求的借款金额不应该超出此备用信用证金额。
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备用信用证样本（交通银行的融资性备用信用证样本）：To: Bank of communications, SHENYANG BranchFrom: XYZ BANKDate: 20 DECEMBER 2004Standby Letter of CreditWith reference to the loan agreement no. 2004HN028 (hereinafter referred to as "the agreement" ) signed between Bank of Communications, SHENYANG Branch (hereinafter referred to as "the lender" ) and LIAONING ABC CO., LTD (hereinafter referred to as "the borrower" )for a principal amount of RMB2,000,000 (in words),we hereby issue our irrevocable standby letter of credit no.810LC040000027D in the lender's favor for amount of the HONGKONG AABBCC CORPORATION which has its registered office at AS 8 FL. 2SEC. CHARACTER RD. HONGKONG for an amount up to UNITED STATES DOLLARS THREE MILLION ONLY.(USD3,000,000) which covers the principal amount of the agreement plus interest accrued from aforesaid principal amount and other charges all of which the borrower has undertaken to pay the lender. The exchange rate will be the buying rate of USD/RMB quoted by Bank of Communications on the date of our payment. In the case that the guaranteed amount is not sufficient to satisfy your claim due to the exchange rate fluctuation between USD and RMB we hereby agree to increase the amount of this standby L/C accordingly.Partial drawing and multiple drawing are allowed under this standby L/C.This standby letter of credit is available by sight payment. We engage with you that upon receipt of your draft(s) and your signed statement or tested telex statement or SWIFT stating that the amount in USD represents the unpaid balance of indebtedness due to you by the borrower, we will pay you within 7 banking days the amount specified in your statement or SWIFT. All drafts drawn hereunder must be marked drawn under XYZ Bank standby letter of credit no. 810LC040000027D dated 20 DECEMBER 2004.This standby letter of is credit will come into effect on 20 DECEMBER 2004 and expire on 09 DECEMBER 2005 at the counter of bank of Communications , SHENYANG branch.This standby letter of credit is subject to Uniform Customs and Practice for Document Credits(1993 revision) International Chamber of Commerce Publication No.500.案例来说明备用信用证是如何帮助公司融资的以及其中相应的风险。
中国公司A在上海投资某大型项目时碰到了资金短缺的问题，面临着选择：要么在短时间内筹集到资金并投入该项目，要么放弃该项目，但是如果选择放弃，A公司先期投入的资金则全部转为不可弥补的损失。
经过深思熟虑，A公司决定向B银行贷款，继续该项目。
B银行发放贷款的前提是借款人必须向银行提供与贷款相同数额的担保。
但是，A公司没有可供担保的财产。
这时候，C公司出现了。
C公司是一家美国的投资公司。
在其为客户提供的融资工具中，备用信用证是被经常使用的一种方式。
C公司为A公司设计的方案是这样的：假设A公司需要100万美元。
C公司与A公司事先签订一个委托开证协议，由A公司委托C公司开出备用信用证，A公司支付一般相当于开证金额1%-3%左右的手续费。
根据开证协议，C公司按时向其位于美国的开证银行D申请开立100万美元的备用信用证，受益人是A公司在国内的开户银行或者贷款银行B。
与此同时，A公司与B银行就贷款问题达成协议，即由A公司将该备用信用证抵押给B银行，B银行向A公司提供相当于信用证金额的贷款，也就是100万美元。
备用信用证以最快的方式到达B银行，B银行审查信用证，确认无误后向A公司发放贷款。
这样的安排对B银行有很大优势，因为B银行有美国D银行的信用担保。
如果A公司在贷款期满时没有能力偿还或者故意不偿还贷款，B银行可以凭该备用信用证要求D银行履行信用证义务，即代替A公司偿还。
对A公司来说，其贷款成本可能高于一般的商业贷款，因为有一笔额外的开证手续费需要支付。
但是这种方式对于短时间内需要大量资金的公司而言，无疑是个好办法。
D银行在该交易中不大可能有风险，因为开证行开证的前提是申请人C公司必须在开证行存入足够的开证保证金，或者C公司已经向D银行提供了相应的担保。
对于C公司，情况比较复杂一点。
首先这是一项业务，所以C公司会尽力取得A公司的信任并且配合A公司做好工作。
其次，C公司会考虑是否能够获得预期利润，所以通常在协议中要求A公司先支付手续费，然后再安排开证。
第三，也是最重要的，C公司非常关心A公司是否有能力偿还B银行的贷款。
如果A公司在贷款期满不履行还款义务，B银行和D银行都不会有损失，最后倒霉的是C公司。
因此，从理论上说，C公司应该具备足够的知识和技能来预测A公司的还款能力。
但是在实践中，C公司很可能是第一次与A公司接触，从协商谈判、签订协议到实际交易的时间又比较短，无法了解A公司的真实财务情况。
所以，C公司从一开始就不会完全相信A公司的还款承诺或还款计划。
从保护自身利益出发，C公司最先想到的办法就是，明明知道但又装作不知道A公司会将该备用信用证用于贷款抵押，同时又在开证协议或者协议附件中明确限定：该备用信用证不得用于为获得贷款而抵押给银行，否则A公司承担一切责任。
如此一来，难点和分歧就产生了：一方面，C公司明确知道A公司要该信用证是为了能够抵押给银行从而取得贷款，另一方面C公司却又要求A公司不得抵押该信用证。
A公司非常矛盾，如果同意了C公司的要求，等于承担了一切交易风险，甚至还会将B银行拖入困境，而D银行则会安然无恙，理由是：C 公司拿到手续费，A公司获得贷款，如果C公司将该信用证权利限制的内容通知D银行，或者D银行自己获得有关该信用证权利限制的内容，那么D银行将撤销该信用证，继而把所有的风险留给B银行和A公司。
A公司如果不同意C公司的要求，就无法进行信用证抵押贷款，这显然与其需要融资的初衷相违背。
[评论] 魏亚熙随着我国市场经济的发展，金融市场还没完全规范，金融产品缺乏，因国内一些企业金融知识贫乏，给一些不法分子以融资为题材实施诈骗活动的机会。
企业融资是一项复杂的系统工作，天上决不会掉馅饼，企业应时刻保持清醒的头脑，在融资前要清楚：1、企业是否有融资条件。
2、中介公司和投资公司的实力，有否成功案例。
3、是否要收取各种名目的前期费用(包括写计划书、计划书翻译、律师见证费、备用信用证开证费、调汇费、考察费、审计评估费)，如果有要万分谨慎，因为真实的项目投资方在投资未成功之前是决不向项目方收取任何费用的，可行性报告、商业计划书必须是项目方自己编写的，投资者最不希望看得是由其他机构编写的计划书，否则投资方不真实，企业应提高警惕。
另外备用信用证融资特别应注意合同软条款，如不得将信用证永远其它，是指不得抵押贷款，否则违约，开证行可无条件撤销备用信用证，受益人结果损失已付开证费、开证方效益费用。
因此融资企业应特别注意，在备用信用证融资过程中应与自己银行紧密联系，规避备用证融资诈骗风险。
骗取衡水农行一百亿美元备用信用证案时间：2005-09-20 作者：【案情】被告人：梅直方，男，１９４９年１１月１５日出生，美国籍，原系美国纽约市亚联（集团）有限公司董事长，住美国纽约市２１４街３８－２９号。
１９９３年６月５日因本案被监视居住，同年６月１６日被逮捕。
被告人：李卓明，男，１９５０年５月１８日出生，美国籍，原系美国纽约市亚联（集团）有限公司秘书兼财务主管，住美国纽约州高麦区查当理路８号。
１９９３年６月５日因本案被监视居住，同年６月１６日被逮捕。
被告人：常景山，男，１９３９年５月２９日出生，中国籍，原系海南中水长城国际投资集团副总经理兼贸易部业务经理，住河北省石家庄市建民小区６号楼４单元３０２号。
１９９３年６月２日因本案被监视居住，同年７月２７日被逮捕。
被告人：于芝来，男，１９４４年４月５日出生，中国籍，原系海南华丰贸易公司驻天津办事处负责人，住天津市河北区黄纬路二贤里１７楼５０１号。