银行保函中英文版

Bank Guarantee (BG)

A bank guarantee is a promise from a bank that the liabilities of a debtor will be met in the event that you fail to fulfill your contractual obligations. Bank guarantees are commonly used in international trade and commerce, where parties may not have established a long-standing relationship and need assurance that payment will be made.

银行保函（BG）是指银行承诺，如果您未能履行合同义务，银行将履行您所欠款项的责任。银行保函在国际贸易和商业中广泛使用，当各方之间无法建立长期关系，并需要确保付款时，银行保函提供了保障。

Principle Parties Involved:

主要当事方：

1. Beneficiary: The party in whose favor the bank guarantee is issued. This can be the buyer/supplier or another party that has engaged in a contract with the applicant.

受益人：银行保函向其签发的一方。这可以是买方/供应商或与申请人订立合约的其他方。

2. Applicant / Account Party: The party requesting the bank guarantee. This can be the seller/exporter or any other party that requires the assurance of payment.

申请人/账户方：请求银行保函的一方。这可以是销售方/出口商或需要付款保证的其他方。

3. Issuing Bank: The bank that issues the guarantee on behalf of the applicant, providing assurance of payment to the beneficiary upon fulfillment of contractual obligations by the applicant.

开证银行：代表申请人签发保函的银行，在申请人履行合同义务后向受益人提供付款保证。

4. Confirming Bank (if applicable): In international trade, a confirming bank may be involved to provide additional assurance to the beneficiary by adding its confirmation to the guarantee.

确认银行（如适用）：在国际贸易中，可能会有确认银行参与，通过向保函添加其确认，为受益人提供额外的保障。

Features of a Bank Guarantee:

银行保函的特点：

1. Unconditional Payment Obligation: The bank guarantee is an unconditional undertaking by the issuing bank to pay the agreed amount to the beneficiary upon fulfillment of the specified conditions.

无条件支付责任：银行保函是发证银行在满足指定条件后向受益人支付约定金额的无条件承诺。

2. Irrevocable Nature: Once issued, the bank guarantee cannot be canceled or modified without the consent of all parties involved.

不可撤销性：一旦银行保函签发，未经所有当事方同意，不能取消或修改。

3. Independent from the Underlying Contract: The bank guarantee operates independently from the underlying contract or agreement between the applicant and beneficiary. The issuing bank's obligation to pay is not affected by disputes or disagreements arising under the contract.

与基础合同独立：银行保函独立于申请人和受益人之间的基础合同或协议。发证银行支付义务不受基础合同中的争议或分歧影响。

Benefits of a Bank Guarantee:

银行保函的好处：

1. Security: A bank guarantee provides assurance to the beneficiary that payment will be made, reducing the risk involved in the transaction.

安全性：银行保函向受益人提供支付保证，降低交易风险。

2. Facilitates International Trade: Bank guarantees are widely used in international trade as they enable parties from different countries to engage in business transactions with confidence.

促进国际贸易：由于银行保函使来自不同国家的各方能够放心进行商业交易，因此在国际贸易中被广泛使用。

3. Improves Credibility: Having a bank guarantee in place enhances the credibility of the applicant and provides reassurance to the beneficiary of their ability to meet contractual obligations.

增加信誉度：存在银行保函可以提高申请人的信誉，并向受益人提供对其履行合同义务能力的保证。

In conclusion, a bank guarantee is a valuable tool in international trade and commerce, providing security and reassurance to parties involved in business transactions. It facilitates smooth operations and builds trust between buyers and suppliers across borders.

总之，银行保函是国际贸易和商业中的一项重要工具，为参与商业交易的各方提供安全性和保障。它促进了跨境买卖的顺利进行，并在买方和卖方之间建立了信任。