URDG758见索即付保函统一规则

URDG 758

The URDG 758 are the Uniform Rules for Demand Guarantees ‐ effective 01 July 2010.

Foreword

This revision of ICC's Uniform Rules for Demand Guarantees (URDG) is the first since the rules were developed by ICC in 1991. The original rules, URDG 458, gained broad international acceptance in recent years following their incorporation by the World Bank in its guarantee forms and their endorsement by UNCITRAL and leading industry associations, such as FIDIC.

This first revision of the rules was meticulously prepared over a period of two and a half years, and is the result of a collective effort by a number of ICC constituent groups. It was developed as a joint project by two ICC commissions ‐ the Banking Commission and the Commission on Commercial Law and Practice ‐ therefore taking into account the legitimate expectations of all relevant sectors. ICC national committees contributed substantially to the final product: some 52 national committees submitted several hundred pages of valuable suggestions on successive drafts, a number of which were incorporated into the final text.

The ICC Task Force on Guarantees, which consisted of 40 members from 26 countries, reviewed the various drafts and added their own suggestions. The URDG Drafting Group, ably chaired by Dr Georges Affaki, met on a number of occasions, carefully reviewed all comments submitted by national committees and the Task Force and developed the final draft.

This collective effort has borne fruit; it has produced rules that reflect a broad consensus among bankers, users and all members of the guarantee community. In fact, the present revision of the URDG does not merely update the existing rules. It is the result of an ambitious project to create a new set of rules for the twenty‐first century that is clearer, more precise and more comprehensive. As such, URDG 758 is destined to become the standard text for demand guarantees worldwide.

Jean Rozwadowski

Secretary General

International Chamber of Commerce

January 2010

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Introduction

The new URDG 758 succeed URDG 458. Over 17 years of practice (1992 ‐ 2009), URDG 458 proved to be both successful and reliable. They were used by banks and businesses across continents and industry sectors. URDG 458 were endorsed by international organizations, multilateral financial institutions, bank regulators, lawmakers and professional federations. In contrast to the failed Uniform Rules for Contract Guarantees (URCG 325), URDG 458 reflected the reality of the international demand guarantee market and struck the most reasonable balance between the interests of all the parties involved. By choosing to instruct a guarantor to issue a demand guarantee subject to URDG, applicants renounced their ability to obstruct payment for reasons derived from their relationship with the beneficiary. In turn, beneficiaries were expected to state in general terms ‐ but not to justify, establish or prove ‐ the nature of the applicant's breach in the performance of the underlying relationship. Finally, because a demand guarantee is an independent undertaking, guarantors were assured that their commitment was subject to its own terms. They were insulated from the performance contingencies of the underlying relationship.

Their incremental use, backed by the support of ICC, enabled URDG 458 to make a critical contribution towards levelling the playing field among demand guarantee issuers and users regardless of the legal, economic or social system in which they operate.

Yet, URDG 458 formed the first attempt by ICC to codify independent guarantee practice. Over the years, the application of their provisions shed light on the need for drafting adjustments, clarifications, expansion of scope or clear corrections of the adopted standard. Views reported to the ICC Task Force on Guarantees from URDG users worldwide provided the necessary material to launch a revision of URDG 458 that both the lapse of time and the evolution of practice made necessary. The revision was launched in 2007 and was conducted under the aegis of both the ICC Banking Commission and the Commission on Commercial Law and Practice (CLP).

The ICC Task Force on Guarantees, the standing expert body created by ICC in 2003 to monitor international guarantee practice, acted as a consultative body to a Drafting Group that produced five comprehensive drafts during the two and a half year revision process. Each draft was submitted for review and comments to ICC national committees. Over 600 sets of comments were received from a total of 52 countries and were thoroughly examined. These comments were instrumental in shaping the new rules. Regular progress reports were presented to meetings of each of the ICC commissions considering the rules and were comprehensively debated. This method ensured that the revision takes into account views received from a broad cross‐sector of concerned parties.

The resulting URDG 758 were adopted by the ICC Executive Board on 3 December 2009, following endorsement by the members of the two sponsoring commissions. They will come into force on July 1, 2010. The new rules apply to any demand guarantee or counter‐guarantee where incorporated by reference in the text. They can also apply as trade usage or by implication from a consistent course of dealing between the parties to the demand guarantee or counter‐guarantee where so provided by the applicable law.

The new URDG 758 do not merely update URDG 458; they are the result of an ambitious process that seeks to bring a new set of rules for demand guarantees into the 21st century, rules that are clearer, more precise and more comprehensive.

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Clearer URDG. The new URDG 758 aim for clarity. They adopt the drafting style of ICC's universally accepted Uniform Rules for Documentary Credits (UCP 600) by bringing together the definitions of terms in one article. They also bring a much needed clarification of the process according to which a presentation will be checked for conformity.

More precise URDG. A number of the standards contained in URDG 458 left a margin for interpretation that varied according to the particular facts of the case. This was particularly true for the terms "reasonable time" and "reasonable care". The new URDG have excluded all imprecise standards with an aim to foster certainty and predictability. Examples are time durations for the examination of a demand, the extension of a guarantee in the case of force majeure, and the suspension of the guarantee in the case of an extend or pay demand.

More comprehensive URDG. Important practices were left out of URDG 458. This was particularly the case for the advice of a guarantee, amendments, standards for examination of presentations, partial, multiple and incomplete demands, linkage of documents, and transfer of guarantees. In addition, there was only fragmentary treatment of counter‐guarantees. What was understandable at the time of the first attempt to codify demand guarantee practice can no longer be accepted 17 years later. The new URDG 758 now cover all of these practices and make clear that provisions governing guarantees apply equally to counter‐guarantees.

Balanced URDG. The new URDG 758 endorse and build on the balanced approach that characterized URDG 458. For example:

‐ The beneficiary is entitled to payment upon presentation of a complying demand without the need for the guarantor to seek the applicant's approval. The new URDG also correct an unfair situation that would have left the beneficiary without recourse to the guarantee in the case of force majeure if its expiry coincided with the interruption of the guarantor's business.

‐ The guarantor's independent role is expressed in stronger and clearer terms and, more importantly, it is now expressed in exclusively documentary terms. The new URDG expect the guarantor to act diligently. For instance, a guarantor is expected to reject a non‐complying demand within five business days by sending a rejection notice that lists all of the discrepancies; otherwise, the guarantor will be precluded from claiming that the demand is non‐complying and will be compelled to pay. Largely accepted in documentary credit practice under the UCP, the preclusion sanction is necessary to discipline unfair practices that work to the detriment of the beneficiary.

‐ The applicant's right to be informed of the occurrence of the key stages in the lifecycle of the guarantee is acknowledged in the new rules. However, this information should not be a prerequisite for payment when a complying demand is presented.

Innovative URDG. The new URDG 758 feature a number of innovations dictated by the development of practice and the need to avoid disputes. An example is the new rule that proposes a substitution of currencies when payment in the currency specified in the guarantee becomes impossible. Another example is the new termination mechanism for guarantees that state neither an expiry date nor an expiry event. This solution is expected to reduce the number of open‐ended guarantees that severely penalize applicants and are incompatible with the banks' capital requirements.

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The Guide. The rationale, preparatory work and interpretation of each article of the new URDG 758 can be found in a separately released Guide to the rules (ICC Publication No. 702).

The new URDG 758 package. The new rules are accompanied by a model guarantee and counter‐guarantee form featured at the end of this publication. They are destined to evolve into an indispensable companion to the new URDG 758 and their users. Experience shows that a comprehensive ready‐to‐use package that combines both the rules and model forms is more attractive to users than the previously separate ICC publications Nos. 458 and 503. It should also be conducive to more harmonized a practice.

In drafting the new URDG 758 model guarantee form, a unitary approach was preferred to one that would have consisted of multiple forms linked to the purpose of each guarantee. Tender, performance, advance payment, retention money, warranty and other types of demand guarantees share the same nature and have similar features. This was evidenced by the five nearly identical basic model guarantee forms in ICC publication No. 503 that accompanied URDG 458. Of course, URDG 758 users have the option of enriching the unitary model form with one or more of the clauses proposed at the end of this publication such as the reduction of amount clause for advance payment guarantees or even drafting any other clause outright.

A final message: the need for clear drafting. Clear drafting is the linchpin of a successful international demand guarantee practice. This has proven to be the case over time and across cultures and industry sectors. Using the new URDG 758 model guarantee form levels the playing field and avoids misunderstandings. As such, it will hopefully significantly curb the worrying tendency that a few courts have shown in recent years to re‐characterize demand guarantees as accessory suretyships ‐ or the reverse. While sometimes warranted by the ambiguous terms used by the parties, such interference has considerably destabilized the international guarantee market by adding a particularly prejudicial element of uncertainty. Such a regrettable situation can be remedied by a consistent use of URDG 758 and their accompanying model form in any type of demand guarantee or counter‐guarantee or, indeed, any other independent undertaking.

Acknowledgments. I would like to express my deep appreciation to the members of the ICC Task Force on Guarantees*, the ICC national committees and members of both the Banking Commission and CLP for their guidance, support and constructive participation in the revision. The Guarantees Department of RZB was very helpful in processing the hundreds of national comments received throughout the revision process and compiling them for the Drafting Group's review.

It was my privilege to chair the Drafting Group that undertook the revision. The members of the Drafting Group are listed below in alphabetical order:

Roger Carouge (Germany), Sir Roy Goode (United Kingdom),Dr Andrea Hauptmann (Austria), Glenn Ransier (United States), Pradeep Taneja (Bahrain), and Farideh Tazhibi(Islamic Republic of Iran).

Rarely has a chairman been blessed with a group whose members are so experienced and enthusiastic about the subject at hand, animated by team spirit, complementary in their regional and sectoral experience and able to endure with admirable patience the inevitable challenges of a fast‐track revision process.

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The result is the new URDG 758, which we proudly offer to the world.

Dr. Georges Affaki

Vice‐Chair, ICC Banking Commission

BNP Paribas

January 2010

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目 录

Article 1 Application of URDG 本规则的适用范围 (8)

Article 2 Definitions 定义 (8)

Article 3 Interpretation 解释 (11)

Article 4 Issue and effectiveness 开立和生效 (12)

Article 5 Independence of guarantee and counter‐guarantee 保函和反担保函的独立性 (13)

Article 6 Documents v. goods, services or performance 单据和货物、服务或者履约行为 (13)

Article 7 Non‐documentary conditions 非单据条件 (13)

Article 8 Content of instructions and guarantees 指示和保函的内容 (14)

Article 9 Application not taken up 拒绝接受申请 (15)

Article 10 Advising of guarantee or amendment 保函或者保函修改的通知 (15)

Article 11 Amendments 修改 (16)

Article 12 Extent of guarantor's liability under guarantee 保函项下担保人责任的范围 (17)

Article 13 Variation of amount of guarantee 保函金额的变动 (17)

Article 14 Presentation 交单 (17)

Article 15 Requirements for demand 对索偿要求的要求 (19)

Article 16 Information about demand 关于索偿要求的告知 (19)

Article 17 Partial demand and multiple demands; amount of demands 部分索偿要求和多次索偿要求，索偿要求的金额................................ .. (20)

Article 18 Separateness of each demand 每一次索偿要求的独立性 (21)

Article 19 Examination 审核 (21)

Article 20 Time for examination of demand; payment 审核索偿要求的时间，付款 (22)

Article 21 Currency of payment 支付的货币 (22)

Article 22 Transmission of copies of complying demand 相符索偿要求副本的传递 (23)

Article 23 Extend or pay 展期或付款 (23)

Article 24 Non‐complying demand, waiver and notice 非相符索偿要求，放弃决定和通知 (25)

Article 25 Reduction and termination 减额与终止 (26)

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Article 26 Force majeure 不可抗力 (27)

Article 27 Disclaimer on effectiveness of documents 关于单据有效性的免责 (28)

Article 28 Disclaimer on transmission and translation 关于传递和翻译的免责 (29)

Article 29 Disclaimer for acts of another party 关于其他当事方行为的免责 (29)

Article 30 Limits on exemption from liability 责任豁免的限度 (30)

Article 31 Indemnity for foreign laws and usages 外国法律和惯例的补偿 (30)

Article 32 Liability for charges 关于费用的责任 (30)

Article 33 Transfer of guarantee and assignment of proceeds 保函的转让和款项让渡 (30)

Article 34 Governing law 管辖法律 (32)

Article 35 Jurisdiction 司法管辖权 (32)

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Article 1 Application of URDG 本规则的适用范围

a.The Uniform Rules for Demand Guarantees ("URDG") apply to any demand guarantee or

counter‐guarantee that expressly indicates it is subject to them. They are binding on all parties to the demand guarantee or counter‐guarantee except so far as the demand guarantee or counter‐guarantee modifies or excludes them.

《见索即付保函统一规则》（以下简称“本规则”）适用于任何在其文本中清楚地表示受本规则约束的见索即付保函或者反担保函。除非见索即付保函或者反担保函修改或者排除本规则的条文，否则本规则对见索即付保函或者反担保函的所有当事各方均具有约束力。

b.Where, at the request of a counter‐guarantor, a demand guarantee is issued subject to the URDG, the

counter‐guarantee shall also be subject to the URDG, unless the counter‐guarantee excludes the URDG.

However, a demand guarantee does not become subject to the URDG merely because the counter‐guarantee is subject to the URDG.

当按照反担保人的要求，见索即付保函是适用于本规则所开立的，那么反担保函也将同样适用于本规则，除非反担保函排除了本规则。但是，仅仅因为反担保函适用于本规则，并不能说明见索即付保函也同样适用于本规则。

c.Where, at the request or with the agreement of the instructing party, a demand guarantee or

counter‐guarantee is issued subject to the URDG, the instructing party is deemed to have accepted the rights and obligations expressly ascribed to it in these rules.

当按照指示方的要求或者同意，见索即付保函或者反担保函是适用于本规则所开立的，那么指示方将被视为已经接受了本规则对其所清楚描述的权利和义务。

d.Where a demand guarantee or counter‐guarantee issued on or after 1 July 2010 states that it is subject

to the URDG without stating whether the 1992 version or the 2010 revision is to apply or indicating the publication number, the demand guarantee or counter‐guarantee shall be subject to the URDG 2010 revision.

在2010年7月1日当天或者之后开立的见索即付保函或者反担保函声明其适用于URDG，但是却没有说明是适用于1992年版还是2010年版或者注明出版编号的情况下，该见索即付保函或者反担保函将被认为是适用URDG 2010年版的。

Article 2 Definitions 定义

In these rules:

advising party means the party that advises the guarantee at the request of the guarantor;

“通知方”，系指按照担保人的要求通知保函的一方；

applicant means the party indicated in the guarantee as having its obligation under the underlying relationship supported by the guarantee. The applicant may or may not be the instructing party;

“申请人”，系指在保函中注明的其所担保的基础关系中承担义务的一方。申请人可能是指示方，也可能不是；

application means the request for the issue of the guarantee;

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“申请”，系指开立保函的要求；

authenticated, when applied to an electronic document, means that the party to whom that document is presented is able to verify the apparent identity of the sender and whether the data received have remained complete and unaltered;

“已证实”，在要求电子单据时，系指收到单据的一方能够核实发送者的身份以及收到的内容是否保持完整和未被变更；

beneficiary means the party in whose favour a guarantee is issued;

“受益人”系指享受保函担保收益的一方；

business day means a day on which the place of business where an act of a kind subject to these rules is to be performed is regularly open for the performance of such an act;

“营业日”系指在履行本规则所约束行为的地点为了履行该行为而通常开业的一天；

charges mean any commissions, fees, costs or expenses due to any party acting under a guarantee governed by these rules;

“费用”系指当事方因为依照本规则约束的保函行事而产生的任何佣金、手续费、成本或者开支；

complying demand means a demand that meets the requirements of a complying presentation;

“相符索偿要求”，系指满足相符交单需求的索偿要求；

complying presentation under a guarantee means a presentation that is in accordance with, first, the terms and conditions of that guarantee, second, these rules so far as consistent with those terms and conditions and, third, in the absence of a relevant provision in the guarantee or these rules, international standard demand guarantee practice;

“相符交单”在保函项下系指：第一，与保函的条款和条件；第二，与本规则的条款和条件；第三，对于保函或者本规则没有规定的有关条件与国际标准见索即付保函实务相一致的交单；

counter‐guarantee means any signed undertaking, however named or described, that is given by the counter‐guarantor to another party to procure the issue by that other party of a guarantee or another counter‐guarantee, and that provides for payment upon the presentation of a complying demand under the counter‐guarantee issued in favour of that party;

“反担保函”，系指任何已签署的承诺，无论其名称或者描述如何，该承诺由反担保人向需要获得其他人开出的保函或者另一反担保函的一方做出的，并且保证根据反担保函规定的受益方相符索偿要求的交单提供付款；

counter‐guarantor means the party issuing a counter‐guarantee, whether in favour of a guarantor or another counter‐guarantor, and includes a party acting for its own account;

“反担保人”，系指不论是为了担保人还是其他反担保人，也包括为了自己而开立反担保函的一方；

demand means a signed document by the beneficiary demanding payment under a guarantee;

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“索偿要求”，系指受益人签署的用于索要保函项下金额的一份单据；

demand guarantee or guarantee means any signed undertaking, however named or described, providing for payment on presentation of a complying demand;

“见索即付保函”或者“保函”，系指任何已签署的承诺，无论其名称或者描述如何，该承诺保证根据相符索偿要求的交单提供付款；

document means a signed or unsigned record of information, in paper or in electronic form, that is capable of being reproduced in tangible form by the person to whom it is presented. Under these rules, a document includes a demand and a supporting statement;

“单据”，系指一份已签署或者未签署的信息纪录，使用纸质形式或者能够被接收人复制为有形形式的电子格式。本规则中，单据包括索偿要求和支持声明；

expiry means the expiry date or the expiry event or, if both are specified, the earlier of the two;

“到期”，系指到期日或者到期事件，如果二者都有，那么系指较早的一个；

expiry date means the date specified in the guarantee on or before which a presentation may be made;

“到期日”，系指保函中规定的可以在当天或者之前做出交单的日期；

expiry event means an event which under the terms of the guarantee results in its expiry, whether immediately or within a specified time after the event occurs, for which purpose the event is deemed to occur only:

“到期事件”，系指保函中规定的导致保函到期的某一事件，不论是立即还是在事件发生之后的特定时间内到期，只有在下列情况下该事件才被视为已发生：

a.when a document specified in the guarantee as indicating the occurrence of the event is presented to

the guarantor, or

当保函规定的注明了事件发生的单据被提交给担保人时，或者

b.if no such document is specified in the guarantee, when the occurrence of the event becomes

determinable from the guarantor's own records.

如果保函没有规定类似的单据，事件何时发生则根据担保人自己的纪录来确定。

guarantee, see demand guarantee;

“保函”，见“见索即付保函”；

guarantor means the party issuing a guarantee, and includes a party acting for its own account;

“担保人”，系指开立保函的一方，亦包括为自己开立保函的一方；

guarantor's own records means records of the guarantor showing amounts credited to or debited from accounts held with the guarantor, provided the record of those credits or debits enables the guarantor to identify the guarantee to which they relate;

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“担保人自己的纪录”，系指担保人对自己持有的账户贷记或者借记金额的纪录，只要这一贷记或者借记的纪录能够让担保人识别与之相关的保函；

instructing party means the party, other than the counter‐guarantor, who gives instructions to issue a guarantee or counter‐guarantee and is responsible for indemnifying the guarantor or, in the case of a counter‐guarantee, the counter‐guarantor. The instructing party may or may not be the applicant;

“指示方”，系指反担保人之外做出开立保函或者反担保函指示的一方，并且有责任补偿担保人或者反担保人（如果是反担保函）。指示方可能是申请人，也肯能不是。

presentation means the delivery of a document under a guarantee to the guarantor or the document so delivered. It includes a presentation other than for a demand, for example, a presentation for the purpose of triggering the expiry of the guarantee or a variation of its amount;

“交单”，系指向担保人提交保函项下单据的行为或者指按此方式交付的单据。包括提交索偿要求之外的交单，例如，为了出发保函的到期或者保函金额的变化所做的交单；

presenter means a person who makes a presentation as or on behalf of the beneficiary or the applicant, as the case may be;

“交单人”，系指作为或者代表受益人或申请人做出交单的人，根据具体情况而定；

signed, when applied to a document, a guarantee or a counter‐guarantee, means that an original of the same is signed by or on behalf of its issuer, whether by an electronic signature that can be authenticated by the party to whom that document, guarantee or counter‐guarantee is presented or by handwriting, facsimile signature, perforated signature, stamp, symbol or other mechanical method;

“已签署的”在申请出具单据、保函时，系指在正本（或同于正本的形式）上已经由出具人或者出具人的签字，不论是可以被收到的单据、保函或者反担保函的一方证实的电子签名还是手写、摹样签字、打孔签字、印戳、符号或者其他机械方式；

supporting statement means the statement referred to in either article 15 (a) or article 15 (b);

“支持声明”，系指本规则第十五条a款或b款所提及的声明；

underlying relationship means the contract, tender conditions or other relationship between the applicant and the beneficiary on which the guarantee is based.

“基础关系”，系指作为保函基础的申请人和受益人之间的合同、投标条件或者其他关系。

Article 3 Interpretation 解释

In these rules: 就本规则而言：

a.Branches of a guarantor in different countries are considered to be separate entities.

担保人在不同国家的分支机构视为不同的实体。

b.Except where the context otherwise requires, a guarantee includes a counter‐guarantee and any

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amendment to either, a guarantor includes a counter‐guarantor, and a beneficiary includes the party in whose favour a counter‐guarantee is issued.

除非在文本中另有要求，保函包括反担保函，以及任何与之相关的修改；担保人包括反担保人；

受益人包括享受反担保利益的一方。

c.Any requirement for presentation of one or more originals or copies of an electronic document is

satisfied by the presentation of one electronic document.

对于任何要求提交一份或多份正本或副本电子单据的要求，提交一份电子单据即满足要求。

d.When used with a date or dates to determine the start, end or duration of any period, the terms:

当使用日期来确定任何期间的开始、结束或者持续时间时：

i. "from", "to", "until", "till" and "between", include; and

“从（from）”、“至（to）”、“直到……为止（until，till）”和“在……之间（between）”，包括提及的日期；

ii."before" and "after" exclude,

“在……之间（before）”和“在……之后（after）”，不包括提及的日期。

the date or dates mentioned.

e.The term "within", when used in connection with a period after a given date or event, excludes that

date or the date of that event but includes the last date of that period.

当“在……之内（within）”和一段特定日期或者特定事件之后的期间连用时，不包括该日期或者改事件的发生日期，但是包括这一期间最后一天的日期。

f.Terms such as "first class", "well‐known", "qualified", "independent", "official", "competent" or "local"

when used to describe the issuer of a document allow any issuer except the beneficiary or the applicant to issue that document.

当时用诸如“第一流的”、“著名的”、“合格的”、“独立的”、“正式的”、“有资格的”护着“本地的”等词语来描述单据的出单人时，除了受益人或申请人之外，允许任何人出具该单据。

Article 4 Issue and effectiveness 开立和生效

a.A guarantee is issued when it leaves the control of the guarantor.

保函脱离担保人的控制即为开立。

b.A guarantee is irrevocable on issue even if it does not state this.

保函是不可撤销的，即使没有如此说明。

c.The beneficiary may present a demand from the time of issue of the guarantee or such later time or

event as the guarantee provides.

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受益人可以自保函开立之时，或者在保函规定的开立之后的时间后者事件发生时提交索偿要求。

Article 5 Independence of guarantee and counter-guarantee 保函和反担保函的独立性

a.A guarantee is by its nature independent of the underlying relationship and the application, and the

guarantor is in no way concerned with or bound by such relationship. A reference in the guarantee to the underlying relationship for the purpose of identifying it does not change the independent nature of the guarantee. The undertaking of a guarantor to pay under the guarantee is not subject to claims or defences arising from any relationship other than a relationship between the guarantor and the beneficiary.

就其性质而言，保函与基础关系和申请是独立的，担保人绝不需要关心这些关系或者受他们的约束。即使在保函中为了识别的目的而对基础关系有所援引，也不改变保函的独立性质。保函项下担保人的支付承诺不受因为担保人和受益人关系之外的任何关系而产生的请求或者抗辩的影响。

b.A counter‐guarantee is by its nature independent of the guarantee, the underlying relationship, the

application and any other counter‐guarantee to which it relates, and the counter‐guarantor is in no way concerned with or bound by such relationship. A reference in the counter‐guarantee to the underlying relationship for the purpose of identifying it does not change the independent nature of the counter‐guarantee. The undertaking of a counter‐guarantor to pay under the counter‐guarantee is not subject to claims or defences arising from any relationship other than a relationship between the counter‐guarantor and the guarantor or other counter‐guarantor to whom the counter‐guarantee is issued.

就其性质而言，反担保函与保函、基础关系、申请和其他任何相关的反担保函是独立的，反担保人绝不需要关心这些关系或者受他们的约束。即使在反担保函中为了识别的目的而对基础关系有所援引，也不改变反担保函的独立性质。反担保函项下反担保人的支付承诺不受因为反担保人和担保人或者开立其他反担保函的反担保人关系之外的任何关系而产生的请求或者抗辩的影响。

Article 6 Documents v. goods, services or performance 单据和货物、服务或者履约行为

Guarantors deal with documents and not with goods, services or performance to which the documents may relate.

担保人处理的是单据，而不是单据可能涉及的货物、服务或者履约行为。

Article 7 Non-documentary conditions 非单据条件

A guarantee should not contain a condition other than a date or the lapse of a period without specifying a document to indicate compliance with that condition. If the guarantee does not specify any such document and the fulfilment of the condition cannot be determined from the guarantor's own records or from an

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index specified in the guarantee, then the guarantor will deem such condition as not stated and will disregard it except for the purpose of determining whether data that may appear in a document specified in and presented under the guarantee do not conflict with data in the guarantee.

除了日期或者时间间隔外，保函不应规定没有指定单据表明已经满足该项条件的条件。如果保函没有指定这种单据，并且该条件的满足不能够通过担保人自己的纪录或者保函里规定的索引来确定，那么担保人将视该条件未作规定并且不予理会，除非为了确定可能出现在保函项下提交的单据上的内容与保函的其他内容是否冲突。

Article 8 Content of instructions and guarantees 指示和保函的内容

All instructions for the issue of guarantees and guarantees themselves should be clear and precise and should avoid excessive detail. It is recommended that all guarantees specify:

所有开立保函的指示和保函自身的指示应该是清楚和简洁的，应该避免过多的细节。推荐所有的保函应规定：

a.the applicant;

申请人

b.the beneficiary;

受益人

c.the guarantor;

担保人

d.a reference number or other information identifying the underlying relationship;

识别基础关系的参考号码或者其他信息

e.a reference number or other information identifying the issued guarantee or, in the case of a

counter‐guarantee, the issued counter‐guarantee;

识别开立的保函或反担保函（如有）的参考号码或者其他信息

f.the amount or maximum amount payable and the currency in which it is payable;

可支付的金额或者最高金额和支付的货币

g.the expiry of the guarantee;

保函的到期

h.any terms for demanding payment;

要去付款的条件

i.whether a demand or other document shall be presented in paper and/or electronic form;

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索偿要求或其他单据应该用纸质形式还是电子形式提交

j.the language of any document specified in the guarantee; and

保函规定的单据所使用的语言

k.the party liable for the payment of any charges.

负责支付费用的人

Article 9 Application not taken up 拒绝接受申请

Where, at the time of receipt of the application, the guarantor is not prepared or is unable to issue the guarantee, the guarantor should without delay so inform the party that gave the guarantor its instructions.

如果在收到申请是，担保人不准备或者不能够开立保函，那么担保人应该毫不延迟地将此情况告知向担保人做出指示的人。

Article 10 Advising of guarantee or amendment 保函或者保函修改的通知

a.A guarantee may be advised to a beneficiary through an advising party. By advising a guarantee,

whether directly or by utilizing the services of another party ("second advising party"), the advising party signifies to the beneficiary and, if applicable, to the second advising party, that it has satisfied itself as to the apparent authenticity of the guarantee and that the advice accurately reflects the terms and conditions of the guarantee as received by the advising party.

保函可以通过通知方通知给受益。无论是直接还是利用其他人（“第二通知方”）的服务，通知方向受益人或者第二通知方（如有）通知保函的行为表明其已经确认了其作为通知方所收保函的表面真实性，以及该通知准确地反映了所保留的条款和条件。

b.By advising a guarantee, the second advising party signifies to the beneficiary that it has satisfied itself

as to the apparent authenticity of the advice it has received and that the advice accurately reflects the terms and conditions of the guarantee as received by the second advising party.

第二通知方向受益人通知保函的行为表明其已经确认了其作为第二通知方所收保函的表面真实性，以及该通知准确地反映了所收保函的条款和条件。

c.An advising party or a second advising party advises a guarantee without any additional representation

or any undertaking whatsoever to the beneficiary.

通知方或者第二通知方通知保函的行为而并不意味着对受益人做出额外表示或承担任何承诺。

d.If a party is requested to advise a guarantee or an amendment but is not prepared or is unable to do

so, it should without delay so inform the party from whom it received that guarantee, amendment or advice.

如果被要求通知保函或者保函修改的一方，不准备或者不能够通知，则应毫不延迟地告知从其处收到保函、保函修改或者通知的一方。

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e.If a party is requested to advise a guarantee, and agrees to do so, but cannot satisfy itself as to the

apparent authenticity of that guarantee or advice, it shall without delay so inform the party from whom the instructions appear to have been received. If the advising party or second advising party elects nonetheless to advise that guarantee, it shall inform the beneficiary or second advising party that it has not been able to satisfy itself as to the apparent authenticity of the guarantee or the advice.

如果被要求通知保函的一方，同意通知但是自己不能够确认保函或通知的表面真实性，他应该毫不延迟地告知从其处收到指示的一方。如果通知方或者第二通知方仍然决定通知该保函，则应告知受益人或第二通知方其不能够确认保函或通知的表面真实性的情况。

f.A guarantor using the services of an advising party or a second advising party, as well as an advising

party using the services of a second advising party, to advise a guarantee should whenever possible use the same party to advise any amendment to that guarantee.

利用通知方或第二通知方服务通知保函担保人，及利用第二通知方的服务通知保函的通知方，应该经过相同的一方通知保函其后的任何修改。

Article 11 Amendments 修改

a.Where, at the time of receipt of instructions for the issue of an amendment to the guarantee, the

guarantor for whatever reason is not prepared or is unable to issue that amendment, the guarantor must without delay so inform the party that gave the guarantor its instructions by telecommunication or, if that is not possible, by other expeditious means.

如果在收到开立保函修改的指示时，无论何种原因，担保人不准备或者不能够开立修改，那么担保人应该毫不延迟地将此情况告知向担保人做出指示的人。

b.An amendment made without the agreement of the beneficiary is not binding on the beneficiary

except where the guarantee otherwise provides. Nevertheless the guarantor is irrevocably bound by an amendment as from the time it issues the amendment and unless and until the beneficiary rejects the amendment.

没有得到受益人同意的修改对受益人没有约束力。然而，担保人自修改开立之时起不可撤销地受其约束，除非或者直到受益人拒绝该修改。

c.Except where made in accordance with the terms of the guarantee, an amendment of the guarantee

may be rejected by the beneficiary until the time it notifies its acceptance of the amendment or makes

a presentation that complies only with the guarantee as amended.

除了要依照保函的条款行事以外，受益人可以在任何时候拒绝保函的修改，知道其做出接受修改的通知或做出符合修改后保函的交单为止。

d.An advising party must without delay inform the party from which it has received the amendment of

the beneficiary’s notification of acceptance or rejection of that amendment.

通知方应毫不延迟地告知发出修改的一方关于受益人做出的接受或拒绝修改的通知。

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e.Partial acceptance of an amendment is not allowed and will be deemed to be notification of rejection

of the amendment.

部分接受修改的内容是不允许的，并且将被认为是拒绝修改的通知。

f.A provision in an amendment to the effect that the amendment shall take effect unless rejected within

a certain time shall be disregarded.

修改中关于除非在一定时间内拒绝修改否则修改即生效的将被不予置理。

Article 12 Extent of guarantor's liability under guarantee 保函项下担保人责任的范围

A guarantor is liable to the beneficiary only in accordance with, first, the terms and conditions of the guarantee and, second, these rules so far as consistent with those terms and conditions, up to the guarantee amount.

担保人仅仅在符合保函的条款和条件以及与这些条款和条件相关的本规则的内容的前提下，承担对受益人最高至保函金额的责任。

Article 13 Variation of amount of guarantee 保函金额的变动

A guarantee may provide for the reduction or the increase of its amount on specified dates or on the occurrence of a specified event which under the terms of the guarantee results in the variation of its amount, and for this purpose the event is deemed to have occurred only:

保函可以规定其金额在特定的日期或者特定的事件发生时减少或者增加，该特定的事件通过引起保函金额的变动条款规定，为此该事件仅仅在以下情况被认为已经发生：

a.when a document specified in the guarantee as indicating the occurrence of the event is presented to

the guarantor, or

当保函规定的注明了事件发生的单据被提交给担保人时，或者，

b.if no such document is specified in the guarantee, when the occurrence of the event becomes

determinable from the guarantor's own records or from an index specified in the guarantee.

如果保函没有规定类似的单据，事件何时发生则根据担保人自己的纪录或保函规定的索引来确定。

Article 14 Presentation 交单

a.A presentation shall be made to the guarantor:

交单应该向担保人做出

i.at the place of issue, or such other place as is specified in the guarantee and,

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在保函的开立地点，或者保函之中规定的其他地点；

ii.on or before expiry.

在到期时或到期之前。

b.A presentation has to be complete unless it indicates that it is to be completed later. In that case, it

shall be completed on or before expiry.

除非交单本身声明交单将在以后完成，则交单即已完成。如果有此声明，那么交单应在到期前完成。

c.Where the guarantee indicates that a presentation is to be made in electronic form, the guarantee

should specify the format, the system for data delivery and the electronic address for that presentation.

If the guarantee does not so specify, a document may be presented in any electronic format that allows it to be authenticated or in paper form. An electronic document that cannot be authenticated is deemed not to have been presented.

如果保函规定交单使用电子形式做出，那么保函应注明其格式、数据传递的系统和交单的电子地址。如果保函美誉注明上述要求，那么单据可以使用任何可以被证实的电子形式或者以纸质形式提交。电子单据如果不能被证实，将被视为没有提交。

d.Where the guarantee indicates that a presentation is to be made in paper form through a particular

mode of delivery but does not expressly exclude the use of another mode, the use of another mode of delivery by the presenter shall be effective if the presentation is received at the place and by the time indicated in paragraph (a) of this article.

如果保函规定交单使用纸质形式通过特定的传递方式做出，但是没有清楚地排除另一种传递方式的使用，只要交单是再本条a款规定的地点和时间内被收到，那么交单人使用另一种传递方式是有效的。

e.Where the guarantee does not indicate whether a presentation is to be made in electronic or paper

form, any presentation shall be made in paper form.

如果保函没有固定交单使用电子形式还是纸质形式，任何同纸质形式做出的交单都是可以接受的。

f.Each presentation shall identify the guarantee under which it is made, such as by stating the

guarantor's reference number for the guarantee. If it does not, the time for examination indicated in article 20 shall start on the date of identification. Nothing in this paragraph shall result in an extension of the guarantee or limit the requirement in article 15 (a) or (b) for any separately presented documents also to identify the demand to which they relate.

每一次交单都必须能识别其凭以提示的保函，例如注明担保人对保函的参考编号。如果没有这样做，第二十条所规定的审单时间将从识别出保函的日期开始。本款内容将不会引起保函的延期或者限制第十五条a款或b款与任何单独提示单据，也不影响识别这些单据相关的索偿要求。

g.Except where the guarantee otherwise provides, documents issued by or on behalf of the applicant or

the beneficiary, including any demand or supporting statement, shall be in the language of the guarantee. Documents issued by any other person may be in any language.

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除非保函另有规定，单据，包括任何索偿要求或支持声明，应由申请人或者受益人或者他们的代理人使用保函的语言出具。其他人则可以使用任何语言出具单据。

Article 15 Requirements for demand 对索偿要求的要求

a.A demand under the guarantee shall be supported by such other documents as the guarantee specifies,

and in any event by a statement, by the beneficiary, indicating in what respect the applicant is in breach of its obligations under the underlying relationship. This statement may be in the demand or in

a separate signed document accompanying or identifying the demand.

保函项下的索偿要求应该被保函规定的其他单据所支持，以及在任何情况下都需要被受益人做出的注明申请人在那个方面违反了保函基础关系义务的声明所支持。该声明可以在索偿要求中做出或者在伴随或认定索偿要求的单独已签署的单据中做出。

b.A demand under the counter‐guarantee shall in any event be supported by a statement, by the party to

whom the counter‐guarantee was issued, indicating that such party has received a complying demand under the guarantee or counter‐guarantee issued by that party. This statement may be in the demand or in a separate signed document accompanying or identifying the demand.

反担保函项下的索偿要求在任何情况下都应该被出具反担保函的一方做出的注明其已经收到保函项下的相符索偿要求的声明所支持。该说明可以在索偿要求中做出或者在伴随或认定索偿要求的单独已签署的单据中做出。

c.The requirement for a supporting statement in paragraph (a) or (b) of this article applies except to the

extent the guarantee or counter‐guarantee expressly excludes this requirement. Exclusion terms such as "The supporting statement under article 15[(a)] [(b)] is excluded" satisfy the requirement of this paragraph.

在本条a款或b款中对于支持声明的要求适用于除保函或者反担保函明确地排除这些要求的情况。

诸如第十五条a、b款项下的支持声明被排除或类似的条款，即符合本款的要求。

d.Neither the demand nor the supporting statement may be dated before the date when the beneficiary

is entitled to present a demand. Any other document may be dated before that date. Neither the demand, nor the supporting statement, nor any other document may be dated later than the date of its presentation.

索偿要求或者支持声明上注明的日期都不能早于受益人被赋予提交索偿要求权利的日期。其他单据上注明的日期都可以早于该日期。索偿要求、支持声明或者其他任何单据上注明的日期都不可以晚于其交单日期。

Article 16 Information about demand 关于索偿要求的告知

The guarantor shall without delay inform the instructing party or, where applicable, the counter‐guarantor of any demand under the guarantee and of any request, as an alternative, to extend the expiry of the guarantee. The counter‐guarantor shall without delay inform the instructing party of any demand under the counter‐guarantee and of any request, as an alternative, to extend the expiry of the

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counter‐guarantee.

担保人应毫不延迟地告知指示方或反担保人（如有）任何保函项下的索偿要求或者作为替代付款的延展保函到期的请求。反担保人应毫不延迟地告知指示方任何反担保函项下的索偿要求或者作为任何替代付款的延展反担保函到期的请求。

Article 17 Partial demand and multiple demands; amount of demands 部分索偿要求和多次索偿要求，索偿要求的金额

a.A demand may be made for less than the full amount available ("partial demand").

索偿要求可以按照少于可使用的全部金额做出（“部分索偿要求”）。

b.More than one demand ("multiple demands") may be made.

可以做出多以一次以上的索偿要求（“多次索偿要求”）。

c.The expression "multiple demands prohibited" or a similar expression means that only one demand

covering all or part of the amount available may be made.

“禁止多次索偿要求”类或似用语意指只能做一次索偿，其金额可以使可使用的全部金额，也可以是部分金额。

d.Where the guarantee provides that only one demand may be made, and that demand is rejected,

another demand can be made on or before expiry of the guarantee.

如果保函规定只能做一次索偿，且该索偿要求被拒绝时，在保函到期时或到期之前还可以做另一次索偿。

e.A demand is a non‐complying demand if:

如存在以下情况，索偿要求是不相符的：

i.it is for more than the amount available under the guarantee, or

其金额超过了保函可使用的全部金额，或者

ii.any supporting statement or other documents required by the guarantee indicate amounts that in total are less than the amount demanded.

支持声明或其他保函要求的单据注明总金额少于索偿要求的金额。

Conversely, any supporting statement or other document indicating an amount that is more than the amount demanded does not make the demand a non‐complying demand.

相反，如果支持声明或其他保函要求的单据注明的金额超出索偿要求的金额，该索偿要求仍然构成相符索偿要求。

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Article 18 Separateness of each demand 每一次索偿要求的独立性

a.Making a demand that is not a complying demand or withdrawing a demand does not waive or

otherwise prejudice the right to make another timely demand, whether or not the guarantee prohibits partial or multiple demands.

无论保函是否禁止部分或多次索偿要求，做出一次不符索偿要求或者收回一次索偿要求，并不放弃或者损害另一次及时做出索偿要求的权利。

b.Payment of a demand that is not a complying demand does not waive the requirement for other

demands to be complying demands.

对一次非相符索偿要求的支付并不代表放弃对其他索偿要求也需要是相符的要求。

Article 19 Examination 审核

a.The guarantor shall determine, on the basis of a presentation alone, whether it appears on its face to

be a complying presentation.

担保人应该在每次交单的基础上，审核其是否在表面上构成相符交单。

b.Data in a document required by the guarantee shall be examined in context with that document, the

guarantee and these rules. Data need not be identical to, but shall not conflict with, data in that document, any other required document or the guarantee.

保函要求的单据上所载的数据需要依据单据、保函和本规则的内容审核。这些数据并不需要和载有他们的单据本身、其他单据或者保函所载的数据相一致，但是不得冲突。

c.If the guarantee requires presentation of a document without stipulating whether it needs to be signed,

by whom it is to be issued or signed, or its data content, then:

如果保函要求提交一份单据但是没有说明其是否需要被签署，由谁出具或签署，或者数据的内容，那么：

i.the guarantor will accept the document as presented if its content appears to fulfill the function of the

document required by the guarantee and otherwise complies with article 19 (b), and

如果提交的单据的内容表面上符合保函所要求单据的功能，而且其他方面符合第十九条b款的要求，那么担保人将接受该单据；

ii.if the document is signed, any signature will be accepted and no indication of name or position of the signatory is necessary.

如果单据被签署了，那么任何签字都将被接受，而且不需要注明签字人的名字或者身份。

d.If a document that is not required by the guarantee or referred to in these rules is presented, it will be

disregarded and may be returned to the presenter.

如果提交了一份保函没有规定或者本规则没有提及的单据，该单据将被不予理会而且可以被退还

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