履约保函、投标保函、预付款保函、质量保函、付款保函(参考格式)

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银行保函样本

银行保函样本银行保函属于一种书面信用担保凭证,那么，下面是我给大家整理收集的银行保函样本，供大家阅读参考。

(预付款保函)银行保函样本1致： (下称受益人)：鉴于 (下称被担保人)已与受益人签订了合同编号为___________的 (下称合同)，工期自年月日至年月日，且受益人向被担保人支付了金额为_ 的预付款。

我方接受被担保人的委托，在此向受益人提供不可撤销的预付款保函：一、本保函的最高担保金额为人民币 (币种) ￥ (小写) (大写)。

二、本保函的有效期自年月日至年月日。

三、在本保函的有效期内，我方将在收到受益人经法定代表人或其授权委托代理人签字确认并加盖公章的关于受益人认定被担保人违反合同约定的书面索赔通知及本保函原件后 15 个工作日内，不争辩、不挑剔、不可撤销地向受益人支付索赔款，但累计索赔金额不得超过本保函的最高担保金额。

四、索赔通知应当说明索赔理由、索赔款额的计算方法，并必须在本保函的有效期内送达我方，超过有效期的索赔将不会再得到我方的任何支付，保函到期后，无论受益人是否退回保函原件，我方的担保责任均自动解除。

五、本保函项下的权利不得转让。

六、我方提供本保函担保后，受益人与被担保人对合同进行修订的，应当将修订后的合同原件送我方备案。

七、本保函的有效期届满，或我方向受益人支付的索赔款已达本保函的最高担保金额，我方的担保责任免除。

八、本保函适用中华人民共和国法律。

九、本保函以中文文本为准，涂改无效。

担保人： (盖章)负责人人或其授权委托代理人(签字或盖章)：单位地址：邮政编码：电话：传真：日期：年月日(履约保函)银行保函样本2致：鉴于_________________________________________(以下简称乙方)已保证按_____________________________(编号：_________________________)(以下称合同)实施;且鉴于你方在上述合同中要求乙方通过经认可的银行向你方提交合同规定金额的不可撤销的银行保函，作为乙方履行合同责任的担保;而且本行同意为乙方出具本银行保函;本行作为担保人在此向你放确认承担支付人民币_______________元(大写______________)的责任，在你放书面提出要求得到上述金额内的任何付款时，本行即予支付，不提任何异议，也不要求你方出具证明或说明背景或理由本行放弃你方应先向乙方要求赔偿上述金额，然后再向本行提出要求的权利。

履约保函规范文本(2024版)细则

履约保函规范文本(2024版)细则本合同目录一览1. 保函定义与范围1.1 保函的含义1.2 保函的适用范围2. 保函的类型2.1 分类2.2 各类保函的特点3. 保函的当事人3.1 保函的发出人3.2 保函的接受人3.3 保函的受益人4. 保函的金额与有效期4.1 保函的金额4.2 保函的有效期5. 保函的开具与提交5.1 保函的开具程序5.2 保函的提交要求6. 保函的履行6.1 保函的履行条件6.2 保函的履行方式7. 保函的修改与撤销7.1 保函的修改条件7.2 保函的撤销条件8. 保函的责任与义务8.1 发出人的责任与义务8.2 接受人的责任与义务8.3 受益人的责任与义务9. 保函的违约处理9.1 违约情形9.2 违约处理方式10. 保函的争议解决10.1 争议解决方式10.2 争议解决的适用法律11. 保函的监督与监管11.1 监督机构11.2 监管要求12. 保函的税收与费用12.1 税收政策12.2 相关费用13. 保函的生效、变更与终止13.1 保函的生效条件13.2 保函的变更条件13.3 保函的终止条件14. 保函的附件与补充说明14.1 附件内容14.2 补充说明第一部分：合同如下：第一条保函定义与范围1.1 保函的含义1.2 保函的适用范围保函适用于受益人根据与发出人之间的合同约定，向接受人提供货物、服务或者其他履约行为时，为证明其履行合同的能力和信用，要求发出人提供的书面担保。

第二条保函的类型2.1 分类保函分为融资保函、非融资保函、投标保函、履约保函、预付款保函等类型。

2.2 各类保函的特点（1）融资保函：用于融资项目的保函，保证融资项目按期还款和履行相关义务。

（2）非融资保函：用于非融资项目的保函，保证项目按期完成和履行相关义务。

（3）投标保函：保证投标人参加招标过程中的投标行为合法、合规，并在中标后按约定履行合同。

（4）履约保函：保证受益人在合同履行过程中按照约定履行义务。

付款保函、预付款保函与投标保函(doc 20页)

付款保函、预付款保函与投标保函(doc 20页)编号：付款保函________________________（受益人）：鉴于贵方与买方________________________于______年___月____日签订的编号为________的合同（下称主合同）履行需要，应买方申请，我行特开立以贵方为受益人、金额不超过________（币种）_____________________（大写）万元的付款保函：一、我行保证，买方将在贵方按照主合同的约定交付货物后，向贵方付款。

如果买方未按照主合同的约定向贵方支付全部或部分货款，我行将在收到贵方书面索赔通知及买方具有上述违约事实的书面证明后，以保函金额为限向贵方支付买方未付货款。

二、本保函的担保金额将随买方或我方已支付的金额递减。

三、如果贵方与买方协商变更主合同，应事先征得我行书面认可，否则本保函即行失效。

四、本保函不得转让。

我行对除贵方以外的任何组织或个人不承担担保责任。

五、本保函自开立之日起生效，有效期至________（日编号：预付款保函______________________（受益人）：鉴于贵方与卖方________________________于______年___月____日签订了编号为________的_________合同（下称主合同），且贵方同意依约定向卖方支付预付货款。

我方应卖方的申请，特开立以贵方为受益人、金额不超过________（币种）_____________________（大写）万元的预付款保函:一、我行保证，卖方按主合同的约定履行供货义务。

如果卖方违反上述义务，我行在收到贵方的书面索赔通知及卖方具有上述违约事实的书面证明文件后，向贵方承担退还预付款的担保责任。

二、担保金额以被保证人实际收到的预付款金额为准，并随卖方或我方向贵方退还的金额增加而递减。

三、如果贵方与卖方协商变更主合同，应事先征得我行书面认可，否则本保函即行失效。

保函业务介绍PPT课件

9
提纲
保函基本概念
• 担保、保函、备用信用证
• 当事人 • 开立方式 • 独立性与从属性
主要保函类型及相关政策解读
• 保函产品标准 • 融资性保函 • 付款保函 • 诉讼保函 • 对外承包工程保函
风险专项资金业务 • 税款保函 • 提单遗失保函 • 货运监管保函
新产品推介
• 厂库仓单履约保函 • 内保外贷项下售后
20
外汇局新政策——[2014]29号文
新政策给企业带来的影响 ➢企业可自行提供跨境担保
✓新政策取消了对企业提供跨境担保须事先向外汇局逐笔审批的要求，便利了信用评级较高的企业直接向债权人提供跨境担保
➢取消了外保内贷诸多限制
✓新政策取消了对中资企业办理外保内贷须事前向外汇局申请外保内贷额度及外资企业只能在投注差范围内办理外保内贷业务的限制 ✓新政策实行后，中外资企业在外保内贷项下未偿本金余额不得超过其上年末经审计的净资产与外债额度（如有）之和
产品功能与特色
关联企业可借助申请人的实力通过银行担保获得在金融机构的授信支持为借款人增信，便于借款人取得资金融通增强借款人信用，降低融资成本
适用范围
借款企业与申请人之间有关联关系——股权关系或者贸易关系
14
“内保外贷”保函产品
产品定义
应境内企业申请，为其境外关联企业向境外金融机构融资或取得授信额度而出具的担保，保证境外企业履行贷款本息偿还义务或授信协议规定的资金偿还义务。
新政策给我行带来的机遇与挑战
机遇挑战
21
付款保函
常见的交易背景
即期付款保函
➢ 是指银行应买方或业主申请向卖方或承包方出具的，保证合同项下货款支付或承包工程进度款支付的书面保证文件。

工程履约保函类型

工程履约保函类型嘿，咱今天就来聊聊工程履约保函这个事儿哈！你说这工程履约保函就像是给工程上了一道保险一样。

就好比你要出远门，你得给自己准备点保障，以防万一嘛！工程履约保函就是这个保障。

它主要有几种类型呢，比如说有投标保函，这就像是比赛前的入场券，你得先有这个才能参与竞争呢。

它向发包方保证，你这投标方是靠谱的，是真心实意想来干这个活儿的。

还有履约保函，这可重要了去了！就好像你答应了别人一件事儿，得说到做到呀！这就是保证你在工程进行过程中会按照合同要求认认真真地完成，不偷懒，不耍赖。

预付款保函呢，就像是提前给你的一笔钱让你去买材料准备干活儿，但你得保证这笔钱用得正正当当，不会乱花。

这些保函可都不是吃素的呀！它们就像是工程的卫士，守护着工程的顺利进行。

没有它们，那发包方心里能踏实吗？就好比你要把一件重要的东西交给别人，你不得先考察考察这个人靠不靠谱呀！咱说要是没有投标保函，那随便什么人都能来投标，那不乱套了嘛！要是没有履约保函，施工方要是干一半撂挑子不干了，那发包方不得傻眼呀！没有预付款保函，施工方拿不到钱买不了材料，工程还怎么进行下去呀！你想想看，一个大工程，涉及那么多钱，那么多人，没有这些保函来规范和保障，那得成什么样子呀！那简直就是一团乱麻呀！所以说呀，工程履约保函可真是太重要啦！它就像是工程界的定海神针一样，让一切都能有条不紊地进行。

咱可别小瞧了它们，它们的作用可大着呢！这就跟咱过日子一样，得有规矩，有保障，才能过得踏实，过得安心呀！咱再从另一个角度看，工程履约保函也是对施工方的一种约束和激励呀！你有了这个保函，你就得好好干，不能马虎，不然出了问题你可担待不起。

这就逼着施工方要提高自己的管理水平和施工质量呀！而且呀，这保函也不是随随便便就能办下来的，那也是有要求的。

你得有实力，有信誉，人家才会给你开这个保函呢！这也能让那些不靠谱的企业没法浑水摸鱼。

总之呢，工程履约保函类型虽然多，但每一种都有它独特的作用和意义。

外汇保函格式(终稿)

附件四：对外保函参考格式一、付款保函PAYMENT GUARANTEETo：(Name And Address Of The Beneficiary)Date ：(Issuing Date)No.：(Guarantee Number)We have been informed that (Name Of The Applicant)(hereinafter ca11ed the Applicant), has entered into contract No.(Contract Number) dated (Date Of The Contract) with you, for (Description Of Goods And /Or Services Or Project) at a total price of (The Contract Price).Furthermore, we understand that, according to the conditions of the contract, a payment guarantee is required.At the request of the Applicant, we, Industrial and Commercial Bank of China (Name Of The Branch)Branch,(Address Of The Branch), hereby issue this letter of guarantee and irrevocably undertake to pay you any sum or sums not exceeding in total an amount of (Amount In Figures) (say: Amount In Words) plus interest at (Agreed Percentage) % p.a. accrued on a 360 days basis calculated as from (Agreed Date) up to (Agreed Date), within (agreed Number Of Days) business days upon receipt of your first written demand stating that the Applicant is in breach of his payment obligation(s)under the underlying contract and the respect in which the applicant is in breach..Your demand for payment must also be accompanied by the following document(s): (specify document(s) if any, or delete)1.2.The amount of this Guarantee will be automatically reduced in proportion to the sum or sums plus interest already paid.This payment guarantee shall become effective from issuing date and shall expire on (Expiry Date) at the latest. Consequently, any demand for payment under it must be received by us at this office on or before that date. Upon expiry, this Guarantee shall automatically become null and void whether or not it is returned to us for cancellation.This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCH二、预付款保函ADV ANCE PAYMENT GUARANTEETo：(Name And Address Of Beneficiary)Date ：(Issuing Date)No.：(Guarantee Number)We have been informed that (Name Of The Applicant)(hereinafter ca11ed the Applicant), has entered into contract No.(Contract Number)dated (Date Of The Contract) with you, for (Description Of Goods And /Or Services Or Project) at a total price of (The Contract Price).Furthermore, we understand that, according to the conditions of the contract, an advance payment in the sum of(Amount In Figures)is to be made against an advance payment guarantee.At the request of the Applicant, we, Industrial and Commercial Bank of China (Name Of The Branch)branch,(Address Of The Branch),hereby issue this letter of guarantee and irrevocably undertake to pay you any sum or sums not exceeding in total an amount of (Amount In Figures)(say:Amount In Words) (representing (Agreed Percentage)% of the contract price) within (Agreed Number OF Days) days upon receipt of your first written demand stating that the Applicant is in breach of his obligation(s)under the underlying contract.Your demand for payment must also be accompanied by the following document(s): (specify document(s) if any, or delete)1.2.3.This Guarantee shall become effective from the date that the said advance payment has been credited to the Applicant’s account with our Bank and shall expire on (The Expiry Date) at the latest. Consequently, any demand for payment under it must be received by us at this office on or before that date. Upon expiry, this Guarantee shall automatically become null and void whether or not returned to us for cancellation.This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCHBID BOND/TENDER GUARANTEETo：(Name and Address of Beneficiary)Date ：(Issuing Date)No.：(Guarantee Number)We have been informed that(Name Of The Applicant)(hereinafter ca11ed the Applicant), in response to your invitation to the bid No. (Bid Number) dated (Date Of The Bid) for (Description Of Goods And/Or Services Or Project), has submitted to you his offer No.(Number Of The Offer)dated (Date Of The Offer)(hereinafter called the offer).Furthermore, we understand that, according to your conditions, offers must be supported by a Bid Bond/Tender Guarantee.We, Industrial and Commercial Bank of China(Name Of The Branch)Branch, (Address Of The Branch), at the request of the Applicant, hereby issue this letter of guarantee and irrevocably undertake to pay you any sum or sums not exceeding in total an amount of (Amount In Figures)(say: Amount In Words)(representing (Agreed Percentage)% of the bid value) within (Agreed Number Of Days) Business Days upon receipt of your first written demand stating:a.The Applicant has withdrawn the offer after submission of it and before theexpiration of its validity period; orb.The Applicant has failed to enter into a contract(s) with you after notification ofcontract awards; orc.The Applicant as successful Applicant has failed to establish an acceptableperformance bond(s) within (Agreed Number Of Days) days after the effective date of the contract; ord.This Bond/Guarantee shall become effective from (Effective Date)and expire on (Expiry Date)at the latest. Consequently, any demand for payment under this Bond/Guarantee must be received by us at our office on or before that date. Upon expiry，this Bond/Guarantee shall automatically become null and void whether or not it is returned to us for cancellation.This Bond/Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCHTo：(Name and Address of Beneficiary)Date ：(Issuing Date)No.：(Guarantee Number)We have been informed that,(Name Of The Applicant)(hereinafter ca11ed the Applicant), has entered into contract No. (Contract Number)dated (Date Of The Contract) with you, for (Description Of Goods And/Or Services Or Project) at a total price of (The Contract Price).Furthermore, we understand that, according to the conditions of the contract, a Performance Bond/Guarantee is required.At the request of the Applicant, we, Industrial and Commercial Bank of China (Name Of The Branch)Branch, (Address Of The Branch)hereby issue this letter of guarantee and irrevocably undertake to pay you any sum or sums not exceeding in total an amount of (Amount In Figures)(say: Amount In Words)(representing (Agreed Percentage)% of the contract price) within (Agreed Number Of Days) Business Days upon receipt of your first written demand stating:1.that the Applicant is in breach of his obligation(s) under the underlying contract;and2.the respect in which the Applicant is in breach.Your demand for payment must also be accompanied by the following document(s): (specify document(s) if any, or delete)1.2.This Bond/Guarantee shall become effective from (Effective Date)and expire on (Expiry Date)at the latest. Consequently, any demand for payment under this Bond/Guarantee must be received by us at our office on or before that date. Upon expiry，this Bond/Guarantee shall automatically become null and void whether or not it is returned to us for cancellation.This Bond/Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCH五、质量/维修保函QUALITY/MAINTENANCE GUARANTEETo：(Name and Address of The Beneficiary)Date ：(Issuing Date)No.：(The Guarantee Number)We have been informed that (Name Of The Applicant)(hereinafter ca11ed the Applicant), has entered into contract No.(The Contract Number)dated (Date Of The Contract) with you, for (Description Of Goods And /Or Services Or Project) at a total price of (The Contract Price).Furthermore, we understand that, according to the conditions of the contract, a Quality/Maintenance Guarantee is required.At the request of the Applicant, we, Industrial and Commercial Bank of China (Name Of The Branch)Branch, (Address Of The Branch), hereby issue this letter of guarantee and irrevocably undertake to pay you any sum or sums not exceeding in total an amount of (Amount In Figures)(say: Amount In Words), (representing (Agreed Percentage)% of the contract price) within (Agreed Number Of Days) Business days upon receipt by us of your first written demand stating that the Applicant is in breach of his obligation(s)under the underlying contract and the respect in which the Applicant is in breach.Your demand for payment must also be accompanied by the following document(s): (specify document(s) if any, or delete)1.2.This Guarantee shall become effective from(Effective Date)and expire on (The Expiry Date) at the latest. Consequently, any demand for payment under it must be received by us at this office on or before that date. Upon expiry, this Guarantee shall automatically become null and void whether or not it is returned to us for cancellation.This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCH六、补偿贸易保函GUARANTEE UNDER COMPENSATION TRADETo：(Name And Address Of The Beneficiary)Date ：(Issuing Date)No.：(Guarantee Number)We have been informed that (Name Of The Applicant)(hereinafter ca11ed the Applicant), has entered into contract No. (The Contract Number) dated (Date Of The Contract) with you, for (Description Of Goods And /Or Services Or Project) at a total price of (The Contract Price).At the request of the Applicant, we, Industrial and Commercial Bank of China (Name Of The Branch)Branch, (Address Of The Branch), hereby issue this letter of guarantee and irrevocably undertake to pay you any sum or sums not exceeding in total an amount of (Amount In Figures) (say: Amount In Words) plus interest at (Agreed Percentage) % p.a. accrued from the aforesaid amount on a 360 days basis calculated as from (Agreed Date) up to (Agreed Date), within (Agreed Number Of Days) days upon receipt of your first written demand stating that the Applicant is in breach of his obligation(s)under the underlying contract.Your demand for payment must also be accompanied by the following documents:1. A true copy of commercial invoice and2. A true copy of B/L evidencing the equipment under the contract has been shipped to the Applicant.3. Inspection certificate issued by China Commodity Inspection Bureau in (Chinese Port) certifying the goods shipped to China are qualified.4. Certificate certifying applicant’s satisfact ion to the equipment signed by the Applicant.5. A copy of the Letter of Credit for the related shipment(s) of buying back under the contract.The amount of this Guarantee will be automatically reduced in proportion to the sum plus interest already paid.This Guarantee shall become effective from issuing date and expire on (The Expiry Date) at the latest. Consequently, any demand for payment under it must be received by us at this office on or before that date. Upon expiry, this Guarantee shall automatically become null and void whether or not it is returned to us for cancellation.This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCH七、留置金保函RETENTION MONEY GUARANTEETo：(Name And Address Of The Beneficiary)Date ：(Issuing Date)No.：(Guarantee Number)We have been informed that (Name Of The Applicant)(hereinafter ca11ed the Applicant), has entered into contract No.(Contract Number) Dated (Date Of The Contract) with you, for (Description Of Goods And /Or Services Or Project) at a total price of (The Contract Price).Furthermore, we understand that, according to the conditions of the contract, retention money in the sum of (Amount In Figures)covering the Applicant’s warranty obligations will be released against a retention money guarantee.At the request of the Applicant, we, Industrial and Commercial Bank of China (Name Of The Branch) branch,(Address Of The Branch)hereby issue this letter of guarantee and irrevocably undertake to pay you any sum or sums not exceeding in total an amount of (Amount In Figures)(say: Amount In Words) (representing Agreed Percentage% of the contract price) within (Agreed Number Of Days) business days upon receipt your written demand stating that the Applicant is in breach of his obligation(s)under the underlying contract.Your demand for payment must also be accompanied by the following document(s): (specify document(s) if any, or delete)1.2.This guarantee shall become effective from the date of receipt of the said retention money by the Applicant and expire on (Expiry Date) or on the date of issuance of the acceptance certificate by you (Name Of The Beneficiary), whichever date is earlier. Consequently, any demand for payment under it must be received by us at this office on or before that date. Upon expiry, this Guarantee shall automatically become null and void whether or not it is returned to us for cancellation.This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCHGUARANTEE FOR CUSTOMS DUTIESTo: (The Name Of The Beneficiary)Date: (Issuing Date)No.: (Guarantee Number)At the request of (Name Of The Applicant)(hereinafter called the principal), we, Industrial and Commercial Bank of China (Name Of The Branch) branch (Address Of The Branch )issue this letter of guarantee on our full responsibility in favor of (Name Of The Customs)Customs to the extent of(Amount In Figures)(Say Amount In Words) to ensure that the exhibition delegation of the Principal will pay customs duties for the items sold at (Name And Place Of The Exhibition) Export Commodities Exhibition in (Place Of The Exhibition) according to the customs regulations of (Name Of The Country).This letter of guarantee shall be valid as from its issuance date until (Expiry Date). The guarantee amount under this letter of guarantee shall be automatically reduced according to the payment of customs duties effected by the delegation of the Principal to (Name And Place Of The Customs) Customs.We hereby undertake to pay you, if the exhibition delegation of the Principal fails to pay the necessary customs duties for the items sold, the sum or sums not exceeding the above mentioned guarantee amount or any balance under this letter of guarantee upon our receipt of your written demand together with a photo copy of the customs invoice lodged by (Name Of The Customs) Customs within the validity of this letter of guarantee. Claims, if any, must reach us before or on the expiry date.This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHIAN（Name Of The Branch）BRANCHGUARANTEE FOR MARITIME ACCIDENTTo：(Name and Address of Beneficiary)Date ：(Issuing Date )No.：(Guarantee Number)In consideration and on condition that you release and/or refrain from arresting or otherwise detaining the vessel (name of the vessel) or any other vessel or property of the ship-owners (Name Of The Ship-owners), we, Industrial and Commercial Bank of China (Name Of The Branch)Branch,(Address Of The branch), hereby undertake to pay you on demand any sum (interest and costs inclusive) not exceeding the amount of (Amount In Figures)(say: Amount In Words), which will be adjudged as due to you in respect of the damaged and short of cargo from (Name Of The Carriers) as carriers of the goods and/or ,as responsible as owners of the vessel (Name Of The Vessel) by written agreement between the parties or final arbitration award or enforceable judgment of the competent court at (Place Of The Court ) or (Name And Address Of The Institution).This Guarantee shall become effective from issuing date and expire on (Expiry Date). Consequently, any demand for payment under it must be received by us at this office on or before that date. Upon expiry, this Guarantee shall automatically become null and void and shall be returned to us for cancellation.This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCHGUARANTEE FOR OVERDRAFTTo：(Name And Address Of Beneficiary)Date ：(Issuing Date)No.：(Guarantee Number)At request of (Name Of The Applicant), we hereby issue this Letter of Guarantee in your favor to the extent of (Amount In Figures) (Say: Amount In Words) for the purpose of your providing the overdraft facility to the account held by (Name Of The Applicant). We hereby undertake to refund you, should (Name Of The Applicant) fail to repay you the overdue amount which they have overdrawn on the A/M account, the amount not exceeding the above-mentioned sum upon our receipt of your written claim received by us within the validity of this L/G.This Guarantee shall become effective from issuing date and expire on (Expiry Date). Consequently, any demand for payment under it must be received by us at this office on or before that date. Upon expiry, this Guarantee shall automatically become null and void whether or not it is returned to us for cancellation.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCH十一、飞机租赁保函AIRCRAFT LEASE GUARANTEETo: (Name And Address Of The Beneficiary) (Herein called the Beneficiary) Date: (Issuing Date)No.: (Guarantee Number)We refer to the Lease Agreement (the Lease) entered into between you (the Lessor) and (Name Of The Lessee)(the Lessee) in respect of (Description Of The Lease). Terms defined in the Lease shall bear the same meanings when used herein.We, Industrial and Commercial Bank of China, (Name Of The Branch) Branch, at the request of the Lessee, and in consideration of the Lessor entering into the Lease, issue this Irrevocable Letter of Guarantee in your favor in respect of the Amounts due and payable by the Lessee to the Lessor under the Lease. We hereby unconditionally guarantee the punctual payment of all Amounts due and payable by the Lessee in accordance with the provisions of the Operative Documents to which the Lessee is or will become a party.Should the Lessee fail to effect payment of any of the Amounts wholly or partially, we shall, within (Agreed Number Of Days) Banking Days after receipt of your written demand, pay the amount stated in such demand in US Dollars to the account you are to have previously specified to us in writing. You may make any number of such demands in accordance with the provisions of the Lease or any other Operative Documents while this Letter of Guarantee is in effect; Provided Always that the aggregate amounts paid hereunder shall not exceed US Dollars (Amount In Figures) (US$ Amount In Words) (the Available Amount) in respect of any claim(s) made relating to the period from the date hereof up to and including the Rent Payment Date falling in the first month specified in Column 1 of the Schedule hereto and thereafter, with respect to each period ending on and including a Rent Payment Date falling in such relevant subsequent month specified in Column 1 of the Schedule hereto, the Available Amount will be automatically reduced to the lesser amount set out in Column 2 of the Schedule hereto opposite the Rent Payment Date falling immediately prior to such relevant subsequent month (subject in each case to the receipt in full by the Lessor of each and every sum due and payable in respect of the Amounts attributable to any period ending on and including each Rent Payment Date falling prior to such relevant subsequent month).We hereby waive promptness, diligence, presentment, demand, protest and notices of any kind as to the obligations guaranteed hereby and acceptance of this Letter of Guarantee, and we agree that this Letter of Guarantee shall be effective regardless of whether or not the failure of the Lessee to make any payment resulted from the Lessee's inability or refusal to do so. We will not be required to consent to, or receive any notice of, any amendment or modification of, consent or extension withrespect to any of the Operative Documents that may be made or given; Provided Always that any amendment to any of the Operative Documents (other than one contemplated by the terms thereof) which would increase the Available Amount payable hereunder or extend the term of this Letter of Guarantee or alter the Schedule attached hereto shall require our written consent.We represent that we have full power, authority and legal right to execute and deliver this Letter of Guarantee and perform our obligations hereunder, and that this Letter of Guarantee has been validly authorised, executed and delivered on our behalf and constitutes our legal and binding obligation.We confirm that issuance of this Letter of Guarantee constitutes a commercial activity by us.This Letter of Guarantee is a guarantee of payment and not of collection, and we waive any right to require that resort be made to the Lessee or any security.All rights, title and interest in and to this Letter of Guarantee may be assigned in whole or in part with our prior consent.Each notice and communication hereunder shall be made in the English language and shall be made in writing and may be made by telex or letter. Each notice or communication shall be deemed duly given or made when received (in the case of personal delivery or letter) or when dispatched and the appropriate answer back received (in the case of telex). All notices to us shall be sent to Industrial and Commercial Bank of China,(Name Of The Branch)Branch, (Address Of The Branch).This Letter of Guarantee including all matters of construction, validity and performance shall be construed in accordance with the laws of (Agreed Country Or Region).We hereby irrevocably submit to the jurisdiction of the Courts of (Agreed Name And Place Of The Court) and irrevocably appoint (Name And Address Of The Agent), as our agent to receive service of process in England and service on such agent shall be deemed good service on ourselves. We agree that in any legal action or proceedings against us or our assets in connection with this Letter of Guarantee, no immunity (by reason of sovereignty or otherwise) from such legal action or proceedings (which shall include, without limitation, suit, attachment prior to judgment, other attachment, the obtaining of judgment, execution or other enforcement) shall be claimed by or on behalf of ourselves or with respect to our assets and we irrevocably waive any such right of immunity which we, or our assets now have or may hereafter acquire or which may be attributed to us or our assets and we consent generally in respect of any such legal action or proceedings to the giving of any relief or the issue of any process in connection with such action or proceedings including, without limitation, the making, enforcement or execution against anyproperty whatsoever (irrespective of its use or intended use) of any order or judgment which may be made or given in such action or proceedings.This Letter of Guarantee shall remain in effect until the date on which the term for the leasing under the Lease has expired and the Amounts have been paid in full, after which it has to be returned to us. All claims under this Letter of Guarantee must be made before (Agreed Date).INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCH十二、其他租赁保函GUARANTEE FOR LEASINGTo：(Name And Address Of The Beneficiary)Date ：(Date Of Issuing)No.：(Guarantee Number)We refer to the Lease Agreement No.(Contract Number) entered into (the Lease) between you (the Lessor) and (Name Of The Lessee)(the Lessee) in respect of (Description Of Leasing Of Goods or Equipments).We, the Industrial and Commercial Bank of China, (Name Of The Branch) Branch, (Address Of The Branch) at the request of the Lessee, and in consideration of the Lessor entering into the Lease, issue this Irrevocable Letter of Guarantee for an amount not exceeding (Amount In Figures)(say: Amount In Words). Should the lessee fail to pay the rent within the time limit as stipulated in the Lease Agreement, we undertake to effect such payment within (Agreed Number Of Days)business days after receipt of your first written demand to the extent of the amount of guarantee for the unpaid amount.The amount of this guarantee shall be automatically reduced in proportion to the sum or sums that already paid.This guarantee shall become effective from issuing date and expire on (Expiry Date) at the latest. Consequently, any demand for payment under it must be received by us at our office on or before that date. Upon expiry, this Guarantee shall automatically become null and void whether or not it is returned to us for cancellation.This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCH十三、借款保函LOAN GUARANTEETo：(Name and Address of Beneficiary) (, Hereinafter called the “Lender”)Date ：(Issuing Date)No.：(Guarantee Number)Referring to the Loan Agreement dated (Date Of The Agreement), (hereinafter called the Loan Agreement) between you and (Name Of The Borrower), (hereinafter called the Borrower), we hereby issue this Irrevocable Letter of Guarantee in favor of yourselves.We, Industrial and Commercial Bank of China, (Name Of The Branch) Branch, (hereinafter called the “Guarantor”), hereby irrevocably and unconditionally guarantee the punctual payment for the principal amount (Amount In Figures) (say: Amount In Words) plus interest accrued from the aforesaid principal amount (such interest to be calculated in accordance with the provisions of the Loan Agreement), and relevant banking charges payable by the Borrower in accordance with the provisions of the Loan Agreement . We shall, within (Agreed Number Of Days) business days after receipt of your written demand, pay the amount stated in such demand in (Name Of The Currency).(All payments under this guarantee shall be made without set-off or counterclaim and without any deductions or withholdings for any present or future taxes. If any deduction or withholding is required to be made from any such payment, we shall together with such payment pay such additional amount as is necessary and permitted by Taxation Laws of P.R.C. to ensure you will receive the full amount due to you.)The guaranteed sums will be reduced correspondingly as and when payments thereof are made by the Borrower pursuant to the Loan Agreement or by the Guarantor. When the Guaranteed sums have been paid in full by the Borrower and /or the Guarantor, this Guarantee shall automatically cease to be in force and shall be returned by the Lender to the Guarantor for cancellation.Any amendment or modification of, consent or, extension or renewal with respect to the Loan Agreement could only be made at our prior written consent.We hereby consent that the Lender may at any time assign its rights and benefits hereunder or parts thereof to any one or more banks or financial institutions at our prior written consent.Each notice and communication hereunder shall be made in the English language andshall be made in writing by telex, SWIFT or letter. Each notice or communication shall be deemed duly given or made when dispatched (in the case of letter) or when dispatched and the appropriate answerback received (in the case of telex or swift), at the address or telex number specified herein or to such other address as you may from time to time designate in writing. All notices to us shall be sent to (Address Of The Guarantor).This Letter of Guarantee, including all matters of construction, validity and performance, shall be governed by and construed in accordance with the laws of (Agreed Country Or Region).We hereby irrevocably submit to the jurisdiction of (Name And Place Of The Agreed Court). / (All disputes arising from the execution or in connection with this Letter of Guarantee shall be submitted to the (Name of The Agreed Institution) for arbitration in accordance with its rules of procedures. The arbitral award is final and binding upon both parties. The fees and expenses of the arbitration proceeding must be paid in the manner and proportions stated in the written arbitral award of the arbitrators.)This Letter of Guarantee shall become effective on the date hereof and expire on the date on which all payments and other amounts due under the Loan Agreement have been paid in full. All claims under this Letter of Guarantee must be made before (Agreed Date).This Guarantee is subject to the Uniform Rules for Demand Guarantees, ICC Publication No.458.INDUSTRIAL AND COMMERCIAL BANK OF CHINA(Name Of The Branch) BRANCH。

保函的种类和介绍

保函的种类和介绍 SANY GROUP system office room 【SANYUA16H-一、投标保函（BidBond,TenderGuarantee）是指在投标中，招标人为防止中标者不签定合同而使其遭受损失，要求投标人提供的银行保函，以保证投标人履行招标文件所规定的义务：1、在标书规定的期限内，投标人投标后，不得修改原报价、不得中途撤标；2、投标人中标后，必须与招标人签定合同并在规定的时间内提供银行的履约保函。

若投标人未履行上述义务，则担保银行在受益人提出索赔时，须按保函规定履行赔款义务。

担保银行的责任是：当投标人在投标有效期内撤销投标，或者中标后不能同业主订立合同或不能提供履约保函时，担保银行就自己负责付款。

菲迪克（FIDIC）条款中，投标保证金又译作TENDERSECURITY.【案例分析1】投标保函有效期不足对于投标保函有效期，招标文件一般有如下规定：“担保人在此确认本担保书责任在招标通告中规定的投标截止期后或在这段时间延长的截止期后28天内保持有效。

延长投标有效期无须通知担保人。

”许多投标商在向银行申请开具保函时，对于投标保函有效期不够重视，往往会与投标文件有效期混为一谈，出现保函有效期少30天的现象。

【案例分析2】投标保函金额不足对于投标保函的金额，一般在招标文件中明确规定为投标报价的2%或以上，对于大型土建工程，也可以规定某一固定数值如30万美元等。

投标商向银行申请开具保函时，应严格按照招标文件规定的数额申请开列，在评标实践中，评标委员对于那些投标保函金额不足的，哪怕只差一分，也会予以废标。

【案例分析3】投标保函格式不符合招标文件要求对于投标保函格式，主要是指投标保函的担保条件，即：1．如果委托人在投标书规定的投标有效期内撤回其投标；2．如果委托人在投标有效期内收到雇主的中标通知后：（a）不能或拒绝按投标须知的要求（如果要求的话）签署合同协议；（b）不能或拒绝按投标须知的规定提交履约保证金，而雇主指明了产生上述情况的条件，则本行在接到雇主的第一次书面要求就支付上述数额之内的任何金额，并不需要雇主申述和证实他的要求。

住房和城乡建设部关于印发工程保函示范文本的通知-建市〔2021〕11号

住房和城乡建设部关于印发工程保函示范文本的通知
正文：
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住房和城乡建设部关于印发工程保函示范文本的通知
建市〔2021〕11号
各省、自治区住房和城乡建设厅，直辖市住房和城乡建设（管）委，北京市规划和自然资源委员会，新疆生产建设兵团住房和城乡建设局：
为进一步推进工程建设领域担保制度建设，促进建筑市场健康发展，我部制定了《工程保函示范文本》，现印发给你们，自2021年3月1日起执行。

原《工程担保合同示范文本（试行）》（建市〔2005〕74号）同时废止。

执行过程中如有问题，请及时与我部建筑市场监管司联系。

附件：1.投标保函示范文本（独立保函）
2.投标保函示范文本（非独立保函）
3.预付款保函示范文本（独立保函）
4.预付款保函示范文本（非独立保函）
5.支付保函示范文本（独立保函）
6.支付保函示范文本（非独立保函）
7.履约保函示范文本（独立保函）
8.履约保函示范文本（非独立保函）
住房和城乡建设部
2021年1月27日——结束——。

投标保函范本

投标保函投标保函是一种非常常见的商业证明，在国际上也是广泛应用的一种担保方式。

所谓投标保函，就是指在投标过程中，投标方为了保证自身信誉和承诺，采用银行等金融机构的保函来达到保证目的的行为。

在商业往来过程中，投标保函不仅可以帮助企业赢得商业机会，还可以提升企业的信誉度和竞争力。

一、投标保函的定义投标保函是一种以银行或保险公司为承保方，保证投标人在中标后能够按照合同要求履行义务的担保方法。

通俗地说，就是在企业参加招标过程中，银行或保险公司出具的一种书面保证，保证投标人没有违反投标文件规定的失信行为，同时保证在中标后完成合同所规定的义务。

二、投标保函的种类投标保函的种类有多种，不同的投标类型需要对应的不同种类的保函。

主要包括招标保函、履约保函、缴费保函、质量保函等。

1、招标保函招标保函是指中标人按照投标文件规定确定的标的物或服务，向投标人保证投标人参加招标的真实性、诚信性以及招标文件中规定的履约保证金的支付，也可用于保证投标人在投标期间的行为。

2、履约保函履约保函是中标人在履行合同期间按照合同约定的履约义务进行担保，若中标人违约，则承保方按照保函金额进行赔付。

3、缴费保函缴费保函是指在工程承包签订合同后，中标人应当向招标人和中标人约定的付款人单位缴纳预付款、进度款、尾款等合同中约定的款项，若中标人未按照约定进行缴款，则承保方按照保证金额进行赔付。

4、质量保函质量保函是指中标人在履行合同期间，按照合同要求保证所提供的产品或服务达到一定的质量标准。

若中标人提供的产品或服务质量不符合合同标准，则承保方按照合同约定进行赔付。

三、投标保函的用途1、提高信誉度投标保函可以为企业的参与招标提供更为充分的保障，也可以提高企业的信誉度，为企业创造更多的商业机会。

同时，也可以促使投标公司更为规范化，规范的经营行为有利于企业发展和健康竞争。

2、降低经营风险投标保函的存在能为企业降低业务风险，因为承保方作为专业的保障机构，能够为企业提供及时的风险控制和风险管理服务。

保函

（三）履约保函
履约保函是指：应劳务方和承包方（申请人）
的请求，银行金融机构向工程的业主方（受益人）做出的一种履约保证承诺。如果劳务方和承包方日后未能按时、按质、按量完成其所承建的工程，则银行将向业主方支付一笔约占合约金额5%~10%的款项。履约保函有一定的格式限制，也有一定的条件。
履约保函适用范围：
银行保函的种类
郑子娇
银行保函的种类
( 一) 投标保函(tender guarantee) 投标保函是银行(担保人)应投标人(委托人) 的请求，向招标人(受益人)开立的一种担保。银行在保函中承诺，如投标人未能履行由于参加投标而应承担的各项义务，则银行将按保函规定向招标人赔付一定金额，以弥补其损失。这些义务通常包括：投标人在开标前不得中途撤标或片面修改标书中标后不得拒绝与招标人签约签约后应按期提交履约保函以取代投标保函
（四）补偿贸易保函
补偿贸易保函是指在补偿贸易合同项下，
银行应设备或技术的引进方申请，向设备或技术的提供方所作出的一种旨在保证引进方在引进后的一定时期内，以其所生产的产成品或以产成品外销所得款项，来抵偿所引进之设备和技术的价款及利息的保证承诺。
பைடு நூலகம்
(五）来料加工、来件装配保函
此保函以加工装配方为委托人，以料件
（二）进口付款保函
2.
国际技术贸易在技术贸易中，引进方通常要在引进技术并正式投产后，按销售额的一定比例向转让方支付提成费。引进方需向转让方提供付款保函，保证按合同规定的方式和期限支付提成费。这种保函的特点是有效期长，基础合约没有固定的总金额，担保总金额和减额条款需另行拟订。此外，租赁贸易中，承租人要求银行开具的租赁保函，也属于类似的付款保函。

保函内容杂汇

银行保证函银行保证函（banker's letter of guarantee)，简写为L/G），又称银行保证书、银行保函、或简称保函，它是指银行应委托人的申请向受益人开立的一种书面凭证，保证申请人按规定履行合同，否则由银行负责偿付债款。

简单些：不是支付方式，只是一个银行的承诺如果满足承诺条件，银行应该无条件支付保函(Letter of Guarantee, L/G)又称保证书，是指银行、保险公司、担保公司或个人应申请人的请求，向第三方开立的一种书面信用担保凭证。

保函的性质1、是独立于委托人与担保人之间的反担保或委托人与受益人之间的合同或投标条件之外的。

2、是依据其规定的条件生效的，由担保人以保函中规定的任何单据为基础做出决定的。

3、是不可撤销的。

保函的种类及功能银行保函包括履约保函、预付款保函、投标保函、维修保函、预留金保函、税款保付反担保函、海关风险保证金保函等。

履约保函：是指应劳务方和承包人（申请人）的请求，向工程的业主方（受益人）所作出的一种履约保证承诺。

倘若履约责任人日后未能按合约的规定按期、按质、按量地完成所承建的工程，以及未能履行合约项下的其他业务，农业银行将向业主方支付一笔不超过担保金额的款项。

该款项通常相当于合约总金额5％-10％。

预付款保函：又称还款担保，是指向工程业主（受益人）保证，如申请人未能履约或未能全部按合同规定使用预付款时，则农业银行负责返还担保函规定金额（或未还部分）的预付款。

预付款担保的担保金额不应超过承包人收到的工程预付款总额。

投标保函：是指向招标人（受益人）作出保证，在投标人（申请人）报价的有效期内，投标人将遵守其诺言，不撤标、不改标，不更改原报价条件，并且在其一旦中标后，将按照招标文件的规定及投标人在报价中的承诺，在一定时间内与招标人签订合同，如投标人违约，农业银行将在担保额度的范围内向招标人支付约定金额的款项。

该金额数通常为投标人报价总额的1％-5％不等。

保函业务种类包括

保函业务种类包括：贸易、工程项下的投标保函、履约保函、预付款保函、质量及维修保函、一年期以内的付款保函及其他非融资类保函。

（一）投标保函：是指在以招标方式成交的购买或承建项目中，招标方为了达到制约各投标人行为之目的而要求投标人通过其银行所出具的一种书面付款保证文件，凭此文件担保银行向招标作出保证，保证投标人在其报价的有效期内不撤标、不改标、不更改原报价条件，并在一旦中标后，将按照招标文件的规定在一定时间内与招标方签订合同并提交履约保函。

如果投标人日后违反以上条件，担保银行将立即向招标人赔付一定金额的款项作为补偿，该金额通常为投标人报价总额的1%-5%不等。

（二）履约保函：是指担保银行应供货方或劳务承包方的请求而向买方或业主方所做出的一种履约保证承诺，履约保函要担保供货方、劳务承包方诚信、善意、及时地履行合约，倘若这些履约责任者日后未能按合约的规定及时发运货物、提供劳务或完成所承建的工程，以及未能履行合约项下的其他义务，则担保行将向买方或业主支付一笔不超过保函金额的罚款（通常相当于合约总金额的5%-10%），作为对其损害的补偿及作为对供货方或劳务承包方的惩罚。

（三）预付款保函：又称还款保函，在买卖合同中还可称为定金保函。

在大额交易中，买方或业主方常需在合约签订后的一定时间内向供货方或劳务承包方支付一笔相当于合同价款一定比例的预付款项，作为合约的启动资金或动员费用。

由于这笔款项系对履约责任者在履约之前所预作的支付，买方或业主为了避免日后由于这些履约责任者拒绝履约或无法履约却又不予退款而无端遭受损失，常常会要求供货方或劳务承包方在买主或业主实施支付之前的若干时日内通过其银行开出这种还款保函，由担保银行凭此承诺，一旦申请人未能履约、或未能全部履约（无论这种行为是有意或无意造成的），担保行将在收到买方或业主提出的索赔后向其返还这笔与预付金额等值的款项、或相当于合约尚未履行部分相应比例预付金的款项（在某些情况下，加上自买方或业主支付预付金至担保行退还款项这一期间所发生的利息），以使买方或业主的预付金额能得以收回。

履约保函、投标保函、预付款保函、质量保函、付款保函(参考格式)

履约保函（参考格式）编号：致受益人：因（下称“保函申请人”）与你方签订了编号为的（合同或协议名称），本行接受保函申请人的申请，就保函申请人履行上述合同或协议约定的义务向你方提供如下保证：一、本保函项下本行承担的保证责任最高限额为：币种、金额（大写）（小写：）。

（下称“保证金额”）二、本行在本保函项下提供的保证为连带责任保证。

三、本保函的有效期（保证期间，下同）为以下第_壹_种：（壹）本保函有效期至年月日止。

（贰） / 。

四、在本保函的有效期内，如保函申请人（违约情形），本行将在收到你方提交的本保函原件及符合下列全部条件的索赔通知后叁拾个工作日内，以上述保证金额为限支付你方索赔金额：(一)索赔通知必须以书面形式提出，列明索赔金额，索赔通知应由你方法定代表人(负责人)或授权代理人签字并加盖你单位公章；(二)索赔通知必须在本保函有效期内送达本行以下地址：；(三)索赔通知必须同时附有：1．声明你方索赔的款额并未由保函申请人或其代理人以其他方式直接或间接地支付给你方；2．证明保函申请人有上述违约情形的证据或相关的证明材料。

五、本保函保证金额将随保函申请人逐步履行保函项下合同约定或法定的义务以及本行按你方索赔通知要求支付后而相应递减。

六、本保函项下的权利不得转让，不得设定担保。

七、本保函项下的合同或基础交易不成立、不生效、无效、被撤销、被解除，本保函无效；保函申请人基于保函项下的合同或基础交易或其他原因的抗辩，本行均有权主张。

八、因本保函发生争议协商解决不成，按以下第壹种方式解决：（壹）向本行所在地的人民法院起诉。

（贰）提交/ 仲裁委员会（仲裁地点为/ ）,按照申请仲裁时该会现行有效的仲裁规则进行仲裁。

仲裁裁决是终局的，对双方均有约束力。

九、本保函有效期届满或提前终止，本保函失效，本行在本保函项下的责任消灭，受益人应立即将本保函原件退还本行；受益人未履行上述义务，本保函仍在有效期届满或提前终止之日失效。

十、本保函适用中华人民共和国法律。

银行保函的种类

思考： 1、从属保函与独立保函项下，担保人权利有
什么不同？ 2、此案例中对中国光大银行股份有限公司沈
阳分行的保函业务有什么启示？
三、按付款形式分类（一）融资型保函（二）保释金保函
四、按在国际贸易结算中的具体使用情况不同分类（一）出口类保函 1、投标保函
2、履约保函 3、预付金保函 4、质量保函 5、关税保函
（二）进口类保函 1、付款保函 2、延期付款保函 3、租赁保函
（三）对销贸易类保函 1、补偿贸易保函 2、来料加工/来件装配保函
案例：甲银行于2007年4月为乙公司 2000万港币借款出具保函，受益人为丙银行，期限为9个月，利率12％。由于乙公司投资房地产失误，导致公司负债累累，在还款期满后未能依约归还丙银行贷款。
• 1999年3月18日，中国投资银行沈阳分行的债权债务由被告承继。
• 2000年9月12日，裁定书准予沈阳机械设备进出口公司撤回起诉。
2002年1月9日，被告中国光大银行股份有限公司沈阳分行向原告支付了保函项下20万美元，被告尚欠原告保函项下174 150美元没有支付。
2002年8月13日，本案原告的代理律师向被告发出律师函，提出尽快解决保函余额174 150美元的支付问题，但被告至今没有向原告支付该笔余额，故原告诉至法院。
• 2002年1月9日，在沈阳机械设备进出口公司已经自愿撤回起诉且沈阳市中级人民法院冻结保函的裁定的效力终止后，被告向原告支付了保函项下20万美元，但余额174 150美元虽经原告多次催促至今尚未支付，故原告诉讼至法院。
• 仲裁：沈阳市中级人民法院经审理裁决被告中国光大银行股份有限公司沈阳分行于本判决生效后10日内向原告马来西亚KUB 电力公司（KUB Power Sdn．Bhd．）支付保函金额174 150美元；案件受理费 20 062．82元人民币，翻译费用50元人民币，均由被告中国光大银行股份有限公司沈阳分行承担。

银行保函合同范本

银行保函合同范本合同编号：_______甲方（委托人）：_______乙方（银行）：_______鉴于甲方因业务需要，向乙方申请开具银行保函，为确保双方合法权益，经甲乙双方友好协商，特订立本合同，以共同遵守：一、保函的基本情况1.1 保函金额：人民币（大写）：_______元整（小写）：_______元。

1.2 保函类型：_______（如：投标保函、履约保函、预付款保函等）。

1.3 保函有效期：自保函签发之日起至_______年_______月_______日止。

1.4 保函受益人：_______。

二、甲方的权利与义务2.1 甲方应按照乙方的要求提供真实、完整、有效的申请材料。

2.2 甲方应按照乙方规定的期限支付保函费用。

2.3 甲方在保函有效期内，未经乙方同意，不得擅自变更保函金额、类型、有效期等事项。

2.4 甲方应在保函到期后及时向乙方申请撤销保函，并办理相关手续。

三、乙方的权利与义务3.1 乙方在收到甲方申请材料后，应在5个工作日内审核完毕，并通知甲方审核结果。

3.2 乙方在保函有效期内，应按照甲方的要求开具保函，并确保保函的真实性、合法性和有效性。

3.3 乙方在收到受益人索赔申请后，应在5个工作日内进行审核，并在确认索赔申请符合保函约定的条件下，按照约定金额向受益人支付赔偿金。

3.4 乙方在保函到期后，应及时通知甲方撤销保函，并办理相关手续。

四、保函费用4.1 甲方应按照乙方规定的费率支付保函费用，费用为保函金额的_______%。

4.2 甲方应在保函开具前一次性支付保函费用。

五、违约责任5.1 甲方未按约定支付保函费用，乙方有权拒绝开具保函。

5.2 甲方未按约定履行合同义务，乙方有权解除合同，并有权要求甲方承担相应的违约责任。

5.3 乙方未按约定开具保函，甲方有权要求乙方支付违约金，违约金为保函金额的_______%。

六、争议解决6.1 双方在履行本合同过程中发生的争议，应通过友好协商解决。

施工合同中的履约保函

施工合同中的履约保函履约保函是施工合同中的重要组成部分，其作用是保证承包商能按照合同约定的要求和时间完成施工工作。

本文将详细介绍履约保函的定义、种类以及在施工合同中的重要性。

一、履约保函的定义履约保函是指承包商与保险公司签署的一份合同，保险公司在合同中承诺，当承包商未履行合同约定时，会按照合同约定的金额向业主方支付一定的赔偿金。

履约保函一般由保险公司出具，承包商作为保证人向业主方提供，以确保工程的顺利进行。

二、履约保函的种类履约保函主要分为三种类型：投标保函、履约保函和预付款保函。

1.投标保函：在承包商参与招标投标过程中，为证明其具备竞标项目所需的财力和资质，需要向招标方提供投标保函。

投标保函一般由保险公司出具，保证承包商在中标后能履行合同。

2.履约保函：在承包商中标后，签订合同前需要提供履约保函。

履约保函是为了确保承包商在合同约定的时间和质量要求内履行合同义务，以确保工程的正常进行。

3.预付款保函：在一些大型工程中，业主方可能需要提前支付一部分款项给承包商作为预付款。

为保证业主方的权益，承包商需要提供预付款保函。

预付款保函一般保证承包商按照合同约定的时间和质量要求履行合同，并将预付款用于合同规定的用途。

三、履约保函在施工合同中的重要性履约保函在施工合同中具有重要的作用和意义。

1.保证工程的顺利进行：履约保函作为一种法律担保方式，可以保证承包商按照合同约定完工，并提供合格的工程质量。

2.提升业主方信任度：通过提供履约保函，承包商能够向业主方展示其具备充足的财力和信誉，增加业主方对合作方的信任，提高中标概率。

3.保护业主方利益：履约保函为业主方提供了一种保障机制，一旦承包商未能履行合同义务，业主方可以向保险公司索赔，获得一定的赔偿，减少经济损失。

4.降低工程风险：通过履约保函的设立，承包商将面临更大的压力和责任，从而提高其对工程质量和进度的控制，降低工程风险。

总结：履约保函在施工合同中起到了保障工程质量、保护双方利益的重要作用。

银行保函知识

银行保函知识银行保函的种类可分为哪几种？银行保函依据商务合同开出，但又不依附于商务合同，具有独立法律效力。

大家是否知道银行保函的种类可分为哪几种？1、根据银行保函的性质不同，可分为从属性保函和见索即付保函两种。

见索即付保函是指对由银行出具的，书面形式表示在受益人交来符合保函条款的索赔书或保函中规定的其它条件时，承担无条件的付款责任的银行保函。

从属性保函是担保人在保函中对受益人的索赔及对该索赔的受理设置了若干条件的限制，保留有一定的抗辩权利，只有在一定的条件得到满足之后，担保银行才予以受理、付款的银行保函。

2、根据银行保函的用途不同，又可分为投标保函、预付款保函、履约保函、质量保函等。

(1）投标保函：是银行受投标人的委托向招标人出具的保证投标人从事正当投标活动的书面保证。

投标保函的金额一般为标价的1%-5%，在实际的招投标过程中，招标人往往规定一个具体的数额。

投标保函的有效期一般应长于投标有效期（一般多为28天）。

(2）预付款保函：是为保证工程项目的顺利实施，在开工前期承包商往往需购置部分机具设备和材料，这需要较多的资金。

根据工程管理惯例，业主一般要支付给承包商一定数量的动员预付款，这时业主单位往往要求承包商提供预付款的保函，以保证承包商能够足额地返还预付款或履行相应合同义务。

预付款保函的金额一般与业主支付的预付款金额相等。

预付款保函期限从银行开立起生效，直到业主收回全部预付款时止，其间预付款保函均保持有效。

预付款保函一般设定为一种责任递减保函。

当已完工程进度累计达到起扣点时，业主单位会在以后的每次中期付款时按一定比例回扣预付款，相对应预付款保函保证金额也应相应减少，所以承包商应及时向银行提供业主已扣回的预付款金额的有关证明文件，银行将据此核减相应金额，并将核减后的保证金额通知受益人。

(3）履约保函：主要是保证承包商全面履行合同业务。

如果发生承包商违约事件，不能按质、按量、按期履行合同规定的义务，保函受益人有权凭保函向银行索偿其所受损失的赔偿金额。