国际商业借贷协议与融资担保法律问题讨论bmzc.pptx

《国际商业借贷协议与融资担保法律问题讨论bmzc.pptx》由会员分享，可在线阅读，更多相关《国际商业借贷协议与融资担保法律问题讨论bmzc.pptx（58页珍藏版）》请在淘文阁 - 分享文档赚钱的网站上搜索。

1、第四章第四章国际商业借贷协议与融资担保法律问题国际商业借贷协议与融资担保法律问题2011年11月02第四章教学目的与要求主要教学目的与要求：掌握国际商业借贷协议的基本类型和结构，了解国际商业借贷协议的英语主要条款的基本基本内容和法律含义：包括定义和释义的内容和意义；法律适用条款；贷款的先决条件，贷款的用途条款；货币条款；陈述与保证条款；财务约定事项条款；违约与交叉违约条款等等；通过学习，能够将上述法律知识运用到国际金融法律相关实践中去逐步学会处理相关法律事务第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法

2、律问题大纲大纲大纲大纲一、国际商业贷款协议概述 二、国际借贷协议结构和主要条款结构：序言、主文和结尾三部分；主要条款：（一）定义与释义（二）贷款货币与金额（三）贷款期限（四）利率和利息（五）贷款的用途（六）借款人对事实的陈述与保证（七）约定事项(Covenant)（八）违约事件及其救济方法 （九）法律适用条款。该条款在于明确规定借款协议的准据法，（十）司法管辖条款。第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题一、国际商业贷款协议概述一、国际商业贷款协议概述一、国际商业贷款协议概述一、国际商业贷款

3、协议概述 （一）国际商业贷款协议的概念、类型和特点；（二）国际商业贷款协议订立的程序。1、国际商业贷款协议的概念国际商业贷款协议指位于不同国家的债权人和债务人之间的产生的一种货币借贷合同，是调整跨国货币借贷双方当事人债权债务关系的法律依据。第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题一、国际商业贷款协议概述一、国际商业贷款协议概述 2003年1月8日由国家发展计划委员会、财政部和国家外汇管理局联合颁布的外债管理暂行办法（以下简称暂行办法）1。第5条规定的第三款定义，“国际商业贷款，是指境内机构向

4、非居民举借的商业性信贷。包括：（1）向境外银行和其他金融机构借款；（2）向境外企业、其他机构和自然人借款；（3）境外发行中长期债券（含可转换债券）和短期债券（含商业票据、大额可转让存单等）；（4）买方信贷、延期付款和其它形式的贸易融资；（5）国际融资租赁；（6）非居民外币存款；（7）补偿贸易中用现汇偿还的债务；（8）其它种类国际商业贷款。1 外债管理暂行办法于2003年3月1日起施行。第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题一、国际商业贷款协议概述一、国际商业贷款协议概述 （一）国际商业贷款

5、协议的概念、类型和特点（一）国际商业贷款协议的概念、类型和特点2、国际商业贷款协议的类型（1）以贷款的期限划分，短期、中期和长期贷款协议。（2）以当事人的地位和性质来划分（3）以融资的组织方式来划分，独家贷款协议，国际银团贷款协议目贷款协议等（4）以贷款利率的形式来划分，固定利率和浮动利率贷款协议使用浮动利率计息一般是以 LIBOR加上利差。1（5）以贷款有无担保来划分，一般可分为有担保的贷款协议和无担保的协议。1 LIBOR为英文London Inter-Bank Offered Rated 即伦敦同业银行拆放率的缩写，LIBOR是指伦敦同业银行之间的短期资金拆借的利息率，该利率通常是伦敦国

6、际金融市场的基础利率。第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题一、国际商业贷款协议概述一、国际商业贷款协议概述 （一）国际商业贷款协议的概念、类型和特点（一）国际商业贷款协议的概念、类型和特点 3、国际商业贷款协议的法律特特征（1）协议具有跨国性，其复杂性和涉及法律范围均比国内贷款协议大而广泛。（2）法律适用和管辖规定不同。Conflicts of law（3）担保方式不同。一、国际商业贷款协议概述一、国际商业贷款协议概述 （一）国际商业贷款协议订立程序（一）国际商业贷款协议订立程序 国际商

7、业贷款协议订立要通过一定程序：一般要经过授权；授权是指国际商业贷款协议各方当事人必须通过法定的授权程序来获得合法的订约能力 签署；国际商业贷款协议必须经过双方有签约能力的人正式签署才能生效 生效；国际商业贷款协议通常在签字后并不马上生效，而是要等到协议中规定的能使协议生效的某些先决条件具备时才开始生效。所谓先决条件，一般是指贷款协议规定协议的生效是以先满足某些能保证贷款人合法权益的条件为前提后，贷款协议才正式生效 第四章：国际商业借贷协议大纲第四章：国际商业借贷协议大纲（二）贷款货币与金额 1、货币，2、贷款金额，（三）贷款期限第四章：国际商业借贷协议大纲第四章：国际商业借贷协议大纲第四章：国

8、际商业借贷协议大纲第四章：国际商业借贷协议大纲（四）利率和利息（五）贷款的用途（六）借款人对事实的陈述与保证（Representation and Warranties）第一部分是法律方面要说明并保证其承担借款义务的合法性；第二方面则是在经济方面要求借款人说明并保证财务和商务的真实情况。7 1、借款人在法律方面的陈述与保证主要包括：2、借款人对其财务和商务状况的说明主要包括：第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题大纲大纲大纲大纲 （七）约定事项(Covenant)1、消极保证条款(Nega

9、tive Pledge)消极保证的意思是保证不做什么，或者可以称为“保证不作为条款”。2、比例平等条款 (pari passu Covenant)3、财务约定事项 (Financial Covenant)财务约定事项的作用有两个：一是可以监督和控制借款人的财务状况；二是在借款人违反财务约定事项时，贷款人可以及时采取行动，要求加快偿还贷款。第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题大纲大纲1）无形资产例如：土地使用权的价值 2 最低资本比例 3）提前通知诉讼事项，个人事项通知范畴；4）建行保证外汇汇出约定；银行权限？（八）违约事件及其救济方法 1、实际违约 2、先兆

10、性违约或预期违约，预期违约主要包括三种情况：第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题大纲大纲（九）法律适用条款。该条款在于明确规定借款协议的准据法，（十）司法管辖条款。约定贷款协议发生争议时由哪国法院审理，以及原则或标准。在国际商业贷款合同中，原则上不采用仲裁方式仅仅当事人争议第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题第四章：国际商业借贷协议及其法律问题二、国际借贷协议结构和主要条款二、国际借贷协议结构和主要条款 结构：一般可包括序言、主文和结尾三个组成部分。ExampleTable of Con

11、tentsPart One Special ConditionsArticle I Constituent Elements of AgreementArticle II Additional DefinitionsArticle III Amount of Facility,Eligible Currency and Use of LoanArticle IV DisbursementArticle V Repayment of LoanArticle VI Interest and Overdue PaymentArticle VII Account of EXIMBANK;Payment

12、Article VIII Additional Representations and WarrantiesArticle IX Additional CovenantsArticle X Additional Events of DefaultArticle XI Communication;AbbreviationArticle XII Appointment of Agent for Service第三讲：国际商业借贷协议及其法律问题第三讲：国际商业借贷协议及其法律问题第三讲：国际商业借贷协议及其法律问题第三讲：国际商业借贷协议及其法律问题二、国际借贷协议结构和主要条款二、国际借贷协议结

13、构和主要条款二、国际借贷协议结构和主要条款二、国际借贷协议结构和主要条款 ExampleExample Part Two General ConditionsArticle I Application of General ConditionsArticle II DefinitionsArticle III Final Disbursement DateArticle IV Prepayment of LoanArticle V Payments and CurrencyArticle VI Representations and WarrantiesArticle VII Particul

14、ar CovenantsArticle VIII Events of DefaultArticle IX Conditions PrecedentArticle X Taxes,Fees and ExpensesLOAN AGREEMENT between SHANGHAIHAI H NC LOAN AGREEMENT between SHANGHAIHAI H NC ELECTORNICS CO.,LTD.ELECTORNICS CO.,LTD.THE EXPORT-IMPORT BANK OF JAPAN THE EXPORT-IMPORT BANK OF JAPANArticle XI

15、Governing Law and JurisdictionArticle XII MiscellaneousArticle XIII General Conditions for Two Step Loan主要条款：LOAN AGREEMENTTHIS LOAN AGREEMENT made this day of ,2003BETWEENSHANGHAI H NC ELECTRONICS CO.,LTD.,a joint venture company with limited liability duly incorporated and existing under the laws

16、of the People Republic of China,having its principal place of business at ,the Peoples Republic of China(with its successors,the“Borrower”)ANDTHE EXPORT-IMPORT BANK OF JAPAN(with its successors,the“EXIMBANK”)LOAN AGREEMENT between SHANGHAIHAI H NC LOAN AGREEMENT between SHANGHAIHAI H NC ELECTORNICS

17、CO.,LTD.ELECTORNICS CO.,LTD.THE EXPORT-IMPORT BANK OF JAPAN THE EXPORT-IMPORT BANK OF JAPANWITNESSETH:WHEREAS:(A)The Borrower has prepared plans for the Project(as defined below),such Project having the objective of construction facility for ;The Borrower has requested the EXIMBANK to make funds ava

18、ilable to Borrower for financing the Project;Each of the Guarantors(as defined below)has agreed to conclude its Guarantee(as defined below)with the EXIMBANK to guarantee the obligations of the Borrower under this Agreement on the terms and conditions thereof;and The EXIMBANK on the basis of the fore

19、going has therefore agreed to extend a loan facility to the Borrower on the terms and conditions hereinafter set forth.LOAN AGREEMENT between SHANGHAIHAI H NC LOAN AGREEMENT between SHANGHAIHAI H NC ELECTORNICS CO.,LTD.ELECTORNICS CO.,LTD.THE EXPORT-IMPORT BANK OF JAPAN THE EXPORT-IMPORT BANK OF JAP

20、ANPART ONESPECIAL CONDITIONSArticle IConstituent Elements of Agreement(1)(Constituent Elements of Agreement)This Agreement consists of this Part One,hereinafter designated as the Special Conditions,of Part Two,hereinafter designated as the General Conditions,and of Annexes A,B,C,D,E,F,G and H attach

21、ed.(2)(Primacy of the Special Conditions)If any provision of the Special Conditions or the Annexes should present any inconsistency or contradiction with the General Conditions,the provision of the Special Conditions or the respective Annex shall prevail.LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL

22、 CONDITIONS TPART ONE:SPECIAL CONDITIONSArticle I Constituent Elements of AgreementArticle I Constituent Elements of Agreement(3)(Amendments to the General Conditions)The General Conditions shall be hereby amended as follows:(a)Section(2)of Article VI of the General Conditions(Representations and Wa

23、rranties)is hereby deleted and replaced by the following:“(2)(Government Consents and Actions)All authorizations,licences,approvals or consents of,or registrations,reccordations or filings with,the Borrowers Country,or of any agency,department,or commission thereof or therein which are necessary or

24、advisable for (i)the execution,delivery or performance of this Agreement or any agreement,guarantee and instrument required hereunder for the validity and enforceability hereof or thereof,Law of Civil Procedure of the Peoples Republic of China Art.267Article 267.Where a legally effective judgment or

25、 ruling made by a foreign court requires the peoples court in the PRC to acknowledge its validity and execute it,the applicant may directly request a competent intermediatepeoples court to do so,or the foreign court may request the peoples court to do so,according to the international treaties which

26、 China has concluded or to which China is a party or in accordance with the principle of mutualreciprocity.20中华人民共和国民事诉讼法中华人民共和国民事诉讼法267条条第二百六十七条 外国法院作出的发生法律效力的判决、裁定，需要中华人民共和国人民法院承认和执行的，可以由当事人直接向中华人民共和国有管辖权的中级人民法院申请承认和执行，也可以由外国法院依照该国与中华人民共和国缔结或者参加的国际条约的规定，或者按照互惠原则，请求人民法院承认和执行。Law of Civil Procedure

27、of the Peoples Republic of China Art.268Article 268.The peoples court shall examine,in accordance with the international treaties which China has concluded or to which China is a party or according to the principle of mutual reciprocity,the application or request for acknowledgment of the validity a

28、nd execution of a legally effective judgment or ruling which a foreign court has rendered.Where it is found to be not in contravention of the basic principles of the laws of the PRC,or Chinas sovereignty,or its national and social interests,the peoples court shall acknowledge its validity by a rulin

29、g and,where necessary,issues an order of execution to implement it according to the procedure specified by this law.Where it is found to be in contravention of the basic principles of the laws of the PRC,or Chinas sovereignty,or its national and social interests,the peoples court shall not acknowled

30、ge its validity or implement it.第二百六十八条 人民法院对申请或者请求承认和执行的外国法院作出的发生法律效力的判决、裁定，依照中华人民共和国缔结或者参加的国际条约，或者按照互惠原则进行审查后，认为不违反中华人民共和国法律的基本原则或者国家主权、安全、社会公共利益的，裁定承认其效力，需要执行的，发出执行令，依照本法的有关规定执行。违反中华人民共和国法律的基本原则或者国家主权、安全、社会公共利益的，不予承认和执行。LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITIONS TPART ONE:SPECIAL CO

31、NDITIONSArticle I Constituent Elements of AgreementArticle I Constituent Elements of AgreementThere is no requirement to file,register or otherwise record this Agreement or any instrument or agreement required hereunder in any public office or elsewhere in the Borrowers Country to ensure the validit

32、y,legality,effectiveness,enforceability or admissibility in evidence hereof or thereof,except for(a)the registration of this Agreement with the SAFE,which shall be filed by the Borrower within fifteen(15)days from the execution of this Agreement and(b)the approval by SAFE of the expatriation of repa

33、yments hereunder.”LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITIONS TPART ONE:SPECIAL CONDITIONSArticle II Additional DefinitionsArticle II Additional DefinitionsIn this Agreement and in the Recitals and Annexes hereto,the following expressions shall,unless the context otherwise requires,have

34、 the following meanings:“Amortization Schedule”:the schedule of the dates and amounts of repayments of the Loan set forth in Annex C,as the same may be amended from time to time in accordance with the provisions of the Agreement;LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITIONS TPART ONE:SPEC

35、IAL CONDITIONSArticle II Additional DefinitionsArticle II Additional Definitions“BANK”:CHINA CONSTRUCTION BANK,a state-owned financial institution duly established and existing under the laws of the Peoples Republic of China,having its principal place of business at No.25,Finance Main Street,Beijing

36、 100032,the Peoples Republic of China;“Borrowers Country”the Peoples Republic of China;LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITIONS TPART ONE:SPECIAL CONDITIONSArticle II Additional DefinitionsArticle II Additional Definitions“Business Day”:a day on which banks are open for foreign excha

37、nge business in Tokyo,London and New York;“Calculation Date”:with respect to any Interest Payment Period,the day which is two LIBOR Business Days prior to the commencement of such Interest Payment Period;“Chinese Parent”:,a corporation duly incorporated and existing under the laws of the Peoples Rep

38、ublic of China,having its principal place of business at ,the Peoples Republic of China:LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITIONS TPART ONE:SPECIAL CONDITIONSArticle II Additional DefinitionsArticle II Additional Definitions“Floating Rate”:with respect to any Interest Payment period,t

39、he rate per annum(on the basis of a 360-day year)shown on the Telerate Page 3750(or such other page as may replace Telerate Page 3750 on such service,or if such service ceases to display,such other page on such other service as may be selected by the EXIMBANK as being suitable for determining LIBOR)

40、as “British Bankers Association Interest Settlement Rate”in US Dollars(LIBOR)for six(6)months at approximately 11:00 a.m.(London time)on the Calculation Date with respect to such Interest Payment Period;LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITIONS TPART ONE:SPECIAL CONDITIONSArticle II A

41、dditional DefinitionsArticle II Additional Definitions“Guarantee”:the absolute and unconditional guarantee by which each of the Guarantors guarantees,as primary obligor not merely as surety,due and punctual payment of all sums that may from time to time fall due by the Borrower to the EXIMBANK pursu

42、ant to the Agreement;provided that each of the Guarantors guarantees such sums to the extent of the following proportion:-BANK:71.4%;and-NEC:28.6%;“Guarantor”:each of BANK and NEC:LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITIONS TPART ONE:SPECIAL CONDITIONSArticle II Additional DefinitionsAr

43、ticle II Additional Definitions“Joint Venture Agreement”:the joint venture agreement dated between the Chinese Parent and NEC;“Loan”:the aggregate principal amount of all Disbursements hereunder by the EXIMBANK to the Borrower from time to time outstanding;“LIBOR Business Day”:a day on which dealing

44、s in deposits in US Dollars are carried on in the London inter-bank Euro-currency market;“Repayment Date”:each of the day of and the day of occurring during the period commencing on and ending on ,and in the event that any such date is not a Business Day,the immediately following Business Day;“SAFE”

45、:the State Administration of Foreign Exchange of the Peoples Republic of China.LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITION TPART ONE:SPECIAL CONDITION Article II Additional DefinitionsArticle II Additional DefinitionsLOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITION TPART ONE:SPECI

46、AL CONDITION Article III Amount o Facility,Eligible Currency and Use of Loan Article III Amount o Facility,Eligible Currency and Use of Loan(1)(Commitment)The EXIMBANK hereby agrees to make available to the Borrower,on and subject to the terms and conditions of this Agreement,a loan facility(the“Fac

47、ility”)in U.S.Dollars in an aggregate amount not exceeding U.S.Dollars(US$).(2)(Eligible Currency)The currency in which the EXIMBANK shall make Disbursement and,except as provided in Article X of the General Conditions,the Borrower shall make all payments hereunder,shall be U.S.Dollars(the“Eligible

48、Currency”).TPART ONE:SPECIAL CONDITIONTPART ONE:SPECIAL CONDITION Article IV DisbursementArticle IV Disbursement(3)(Use of Loan)The entire proceeds of the Loan shall be applied by he Borrower for the sole purpose of financing the expenditures directly Necessary for the due implementation of the Proj

49、ect.Article IV Disbursement(1)(Disbursement Procedures)Subject to the fulfillment of the conditions referred to in Article IX of the General Conditions,Section(2)of this Article IV and the other terms and conditions of this Agreement,the EXIMBANK shall disburse the Facility in accordance with the Di

50、sbursement Procedure.LOAN AGREEMEN LOAN AGREEMEN TPART ONE:SPECIAL CONDITION TPART ONE:SPECIAL CONDITION Article VIII additional Representations and Warranties-2Article VIII additional Representations and Warranties-2(2)(Environmental Review)In the ordinary course of its business,the Borrower conduc