备用信用证适用中的几个误区之矫正分析

An Analysis on Several Mistaken Ideas in the Application of the Stand-by Credit

备用信用证是国际融资担保业务常用的一种主流担保方式,这与其所具有的独立性、单据交易性等不无关联。然而,在实践中对该种担保方式还存在有一些误区,这不仅表现在对备用信用证本身作为信用证的一种与传统跟单信用证认知上的模糊,也表现于其与见索即付型银行保函的界限、异同及操作流程认知上的不明确,而且还表现在人们过多地崇尚此类担保的独立性,而漠视了在受益人恶意行为下对善意的开证人的权利保护。我国对外担保的法律制度已处于一个开发阶段,因此厘清上述误区不仅具有必要性,也存有务实性。

The stand-by credit is a kind of commonly used mainstreams assuring way of international financing assurance business, this is related with the character of independence , document trading of it. However, this kind of guarantee way still has some mistaken ideas in practice, it displays to be fuzzy with traditional documentary credit as one of letter of credit to stand-by credit not merely, also be indeterminate in demarcation line of asking for bank of letter of guarantee , similarities and differences and the cognition of the operation procedure, and display it in the independence that people advocate this kind of guarantee too much, and has ignored right protection of well-meaning witness under hostile behavior. The legal system in our country to the outside has already been at a developing stage, so clarifying above-mentioned mistaken ideas not merely have a necessity, but practical