- 期刊
論國際商會即付保證函統一規則之修正
A Study on the Amendment of Uniform Rules for Demand Guarantees
摘要
備受各界矚目之國際商會「即付保證函統一規則」（Uniform Rules for Demand Guarantees，簡稱URDG758）已於2010年7月1日正式實施。隨者我國加入WTO及近期兩岸已簽署金融監理備忘錄（MOU），緊接著又陸續簽署兩岸經濟合作架構協議（ECFA），加速促使台灣之金融及產業朝向國際化發展。國際信用擔保制度，對於我國國際貿易及經濟之發展，更顯重要。因此，銀行獨立擔保制度之研究有其必要，對於有關獨立擔保之國際慣例和公約，尤其是UCP600以及URDG758，對我國銀行實務上之運作有極為重大之影響。URDG758是針對1992年URDG458所作之修正，共有35條文，新的URDG758採取國際商會全球普遍接受之信用狀統一規則（UCP600）之撰寫方式，將其用詞之定義集中於第二條中明確說明界定。URDG758亦引進作為審查提示之相符性所迫切需要之程序細節，使保證函當事人間之權利義務關係清楚而精確（clear and precise），並能與UCP600之用語及條件（wordings and structure）相接近（close）。本文乃就銀行保證函之起源及國際商會即付保證函統一規則之制定及修正加以說明，並就即付保證之性質以及當事人間之法律關係作深入研究，期能拋磚引玉，並做為學界、實務界及銀行業之參考。
並列摘要
Uniform Rules for Demand Guarantees (URDG758) which is getting so much attention is effective from July 1 2010. The revision, the first in 16 years and formally called URDG 758, replaces URDG 458. URDG 758 consists of 35 articles that set out the liabilities and responsibilities of the parties to a demand guarantee. Compared to its predecessor the URDG 758 explain vital phases in the lifecycle of a demand guarantee; for example how to examine a demand and the extend or pay situation. The language is clear and precise and the terms, wordings and structure are close to that of UCP 600 Recently, with Taiwan's entry WTO accession and signing of MOU and ECFA between Taiwan and Mainland China, it accelerates the trend of economic globalization. The dissertation is expected to be reference materials for the research of Academic, Practical and Banking Community; therefore, the illustration of the beginning of Bank-Guarantees, the detail description of enactment and amendment of Uniform Rules for Demand Guarantees, URDG758 are included; in addition, in-depth research of a demand guarantee's nature and the party's legal relationship are also included.