融资保函与银行保函区别

2025-03-15 22:46:06
推荐回答(2个)
回答1:

通俗讲,企业要向甲银行或非银行金融机构进行,由于企业没有相应的抵押担保或无法出具,所以向乙银行提出担保请求,乙银行基于与企业的合作,在对企业进行评级授信的基础上,为企业向甲的借款所提供的担保函,就是银行融资性保函。

回答2:

融资保函又称“融资性保函”或“融资类保函”,是指担保银行应借款人的申请而向贷款人出具的,保证借款人履行借贷资金偿还义务的书面文件。该保函主要包括:借款保函、透支保函、有价证券发行担保、融资租赁担保、延期付款担保、银行授信额度保函等。
  银行保函,又称保证书,是指银行、保险公司、担保公司或担保人应申请人的请求,向受益人开立的一种书面信用担保凭证,保证在申请人未能按双方协议履行其责任或义务时,由担保人代其履行一定金额、一定时限范围内的某种支付或经济赔偿责任。现阶段最常用的银行保函为:投标保函、履约保函、支付保函、预付款保函。

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