摘要
打包放款是与信用证有关的贸易融资形式之一。国内商业银行在打包贷款的操作上虽然存在一些分歧,但在定性上是基本一致。从法律关系来看,打包放款是一种融资法律关系,实质上是一种信用贷款,它与信用证有密切的关联性。银行在办理打包放款业务中通常都要求申请人提供信用证正本作抵押。打包放款存在诸多风险,尤其是客户的资信能力风险;信用证的真实性、合法性和有效性风险;开证行的偿付能力和开证行所在国家的信用风险以及汇率风险等。商业银行必须高度重视这些风险,并采取严格审查贸易真实性、合法性,留存信用证正本,监督借款用途以及要求第三方担保等措施来加以防范。
Packing loan is an L/C-related trade financing form.Although they differ in the operation strategy of packing financing,domestic commercial banks basically share the same definition.From the viewpoint of legal relations,packing loan is a kind of financing-related legal relation,but in essence it is a credit loan closely connected with L/C.Usually a bank will ask the applicant to pledge the original true L/C against packing loan.There are many risks in packing loans,which involve the credit standing of customers,the authenticity,legality and validity of the L/C,solvency of the opening bank as well as the credit and exchange rate of the country where the open bank operates.Commercial banks should pay close attention to these risks and put in place various measures to avert these risks.To this purpose,they should strictly examine the authenticity and legality of the transaction,retain the original L/C,supervise the use of the loan and demand a third-party guarantee.
出处
《金融论坛》
CSSCI
2004年第6期35-39,共5页
Finance Forum
