保函是依据商务合同开出的，但又不依附于商务合同，是具有独立法律效力的法律文件。当受益人在保函项下合理索赔时，担保行就必须承担付款责任，而不论申请人是否同意付款，也不管合同履行的实际事实。即保函是独立的承诺并且基本上是单证化的交易业务。
摘要：船舶行业目前处于低谷，船舶保函业务风险日渐显现。
Abstract:The ship industry develops slowly at present, and the risk of ship guarantee letter appears gradually.
银行保函，让客户(债务人)购置货品，买设备，或引来贷款，从而扩大业务活动。
A bank guarantee enables the customer (debtor) to acquire goods, buy equipment, or draw down loans, and thereby expand business activity.
根据业务需求，填写信用证、投标保函、履约保函，远期保值等银行资料。维护有关数据库。
To prepare L/C, bidding bonds, performance bonds, hedging and all other bank forms according to business requirement. Maintain all related database.
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