备用信用证样本

备用信用证样本

Document serial number【NL89WT-NY98YT-NC8CB-NNUUT-NUT108】

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 Branch

From: XYZ BANK

Date: 20 DECEMBER 2004

Standby Letter of Credit

With 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. 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. 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