论银行业务实践中的授信额度合同

在商业银行业务实践中,授信额度合同尽管尚不属于主流的合同形式,但在银行各个业务领域中均有其适用的案例,在一些范围内甚至被用作主流合同的替代形式。由于没有明确的法律规定界定其涵义,商业实践中也尚未成为一种商业惯例。因此,授信额度合同给银行和客户的权利义务带来了一些不确定的因素。本文从授信额度合同的特征出发,重点讨论了授信额度合同的法律性质,并对审判实践中存在的未约定额度使用期限时授信额度合同的效力、授信额度合同的担保及有关诉讼程序问题,从实务角度进行了分析,并提出了相应观点。

Tentative discussion on credit facility contract in banking services

Although the Credit Facility Contract ("CFC") has not been adopted in the commercial banking practice,it has still been frequently used in various aspects of banking services.Even,to certain extent,the CFC is used as a substitute of the mainstream contract for some banking services.However,since currently there is no specific legal definition of CFC,the use of CFC brings uncertainty to the rights and obligations of bank and its client.This article focuses on the discussion of legal characters of the CFC and analyzes,from a practice point of view,various issues regarding the effectiveness,guaranty and relevant litigation process of the CFC under the circumstances that no term of the credit facilities has been stipulated in the contract.