独立保函欺诈的风险防范问题研究  

Research on Risk Prevention of Independent Letter of Guarantee Fraud

作　　者：李裕 LI Yu(Hefei University of Technology,Hefei 230009,Anhui)

机构地区：[1]合肥工业大学,安徽合肥230009

出　　处：《江苏商论》2024年第9期42-45,50,共5页Jiangsu Commercial Forum

摘　　要：独立保函具有极高的商事便捷性,近些年在中国得到广泛的运用,国内外商业主体在享受保函商事效率的同时也滋生了独立保函欺诈的沃土。本文首先对独立保函欺诈情形的认定进行类型化分析;其次从欺诈例外条款适用的不同维度和范围,包括受益人的主观状态、基础交易的审查程度、适用保函欺诈的证据要求,进一步对如何适用独立保函欺诈例外条款的三个核心问题进行探讨。通过司法解释对以上问题的指导性规定进行分析,对不同国家司法实践和国际公约中的相关规定进行比较研究,对中国目前的司法解释存在的不足提出完善建议。Independent letter of guarantee has extremely high commercial convenience and has been widely used in China in recent years.While domestic and foreign commercial entities enjoy the efficiency of letter of guarantee business,they also breed a fertile ground for independent letter of guarantee fraud.This article first conducts a typological analysis of the identification of fraud in independent guarantee letters;Secondly,from the different dimensions and scope of the application of fraud exception clauses,including the subjective state of the beneficiary,the degree of review of the underlying transaction,and the evidentiary requirements for applying letter of guarantee fraud,further explore the three core issues of how to apply independent letter of guarantee fraud exception clauses.Analyze the guiding provisions on the above issues through judicial interpretation,compare and study the relevant provisions in judicial practices of different countries and international conventions,and propose improvement suggestions for the shortcomings of China's current judicial interpretation.

关 键 词：独立保函 欺诈 审查限度 证据标准 

分 类 号：F75[经济管理—国际贸易]