《见索即付保函统一规则》是国际商会出版物，不仅为银行、保险公司等金融机构从事国际借贷、项目融资、工程承包、招投标、租赁、劳务输出及技术合作的企业提供了从事见索即付保函的统一规则，而且为律师、法院和仲裁机构提供了解决相关争议的依据。

2010版本总计35条，涉及金融、法律、工程等领域的知识。今天最后推荐 21-30 条，此后继续推荐剩下的部分。此文本影响较大，值得有志于从事金融或法律领域翻译的小伙伴参考学习。更多金融或法律翻译内容，敬请回复“金融专题”或“法律专题”获取。

Article 21 Currency of payment

第 21 条 付款的货币

a. The guarantor shall pay a complying demand in the currency specified in the guarantee.

a．担保人应按照保函中指明的货币对相符索赔进行付款。  

b. If, on any date on which a payment is to be made under the guarantee: 

b．如果在保函项下的任何付款日：

i. the guarantor is unable to make payment in the currency specified in the guarantee due to an impediment beyond its control; or

i. 由于无法控制的障碍，担保人不能以保函中指明的货币进行付款，或者  

ii. it is illegal under the law of the place for payment to make payment in the specified currency, the guarantor shall make payment in the currency of the place for payment even if the guarantee indicates that payment can only be made in the currency specified in the guarantee. The instructing party or, in the case of a counter‐guarantee, the counter‐guarantor, shall be bound by a payment made in such currency. The guarantor or counter‐guarantor may elect to be reimbursed either in the currency in which payment was made or in the currency specified in the guarantee or, as the case may be, the counter‐guarantee.

ii. 根据付款地的法律规定使用该指明的货币付款是不合法的， 则担保人应以付款地的货币进行付款，即使保函表明只能以保函中指明的货币进行付款。以该种贷币付款对指示方，或者反担保函情况下的反担保人具有约束力。担保人或者反担保人，可以选择以该付款的货币，或者以保函中指明的货币获得偿付，或者在反担保函的情况下，以反担保函中指明的货币获得偿付。  

c. Payment or reimbursement in the currency of the place for payment under paragraph (b) is to be made according to the applicable rate of exchange prevailing there when payment or reimbursement is due. However, if the guarantor has not paid at the time when payment is due, the beneficiary may require payment according to the applicable rate of exchange prevailing either when payment was due or at the time of actual payment.

c．根据b款规定以付款地的货币付款或偿付时，应以应付日该地点可适用的通行汇率进行兑付。但是，如果担保人未在应付日进行付款，则受益人可以要求按照应付日或者实际付款日该地点可适用的通行汇率进行兑付。

Article 22 Transmission of copies of complying demand

第22条 相符索赔文件副本的传递

The guarantor shall without delay transmit a copy of the complying demand and of any related documents to the instructing party or, where applicable, to the counter‐guarantor for transmission to the instructing party. However, neither the counter‐guarantor nor the instructing party, as the case may be, may withhold payment or reimbursement pending such transmission. 

担保人应将相符索赔书及其他任何有关单据的副本毫不延迟地传递给指示方，或者在适用的情况下，传递给反担保人以转交给指示方。但是，反担保人，或在适用情况下的指示方，都不应在此传递过程中制止付款或偿付。  

Article 23 Extend or pay

第23条 展期或付款 

a. Where a complying demand includes, as an alternative, a request to extend the expiry, the guarantor may suspend payment for a period not exceeding 30 calendar days following its receipt of the demand. 

a．当一项相符索赔中包含作为替代选择的展期请求时，担保人有权在收到索赔翌日起不超过三十个日历日的期间内中止付款。 

b. Where, following such suspension, the guarantor makes a complying demand under the counter‐guarantee that includes, as an alternative, a request to extend the expiry, the counter‐guarantor may suspend payment for a period not exceeding four calendar days less than the period during which payment of the demand under the guarantee was suspended.

b．当中止付款之后，担保人在反担保函项下提出一项相符索赔，其中包含作为替代选择的展期请求时，反担保人有权中止付款，该中止付款期间不超过保函项下的中止付款期间减四个日历日。 

c. The guarantor shall without delay inform the instructing party or, in the case of a counter‐guarantee, the counter‐guarantor, of the period of suspension of payment under the guarantee. The counter‐guarantor shall then inform the instructing party of such suspension and of any suspension of payment under the counter‐guarantee. Complying with this article satisfies the information duty under article 16.

c．担保人应亳不延迟地将保函项下的中止付款期间通知指示方，或者反担保函情况下的反担保人。反担保人即应将保函项下的该中止付款和反担保函项下的任何中止付款通知指示方。按本条规定行事即尽到了第16条规定的通知义务。  

d. The demand for payment is deemed to be withdrawn if the period of extension requested in that demand or otherwise agreed by the party making that demand is granted within the time provided under paragraph (a) or (b) of this article. If no such period of extension is granted, the complying demand shall be paid without the need to present any further demand.

d．在本条a款或b款规定的期限内，如果索赔中请求的展期期间或者索赔方同意的其他展期期间已获满足，则该索赔视为已被撤回。如果该展期期间未获满足，则应对该相符索赔予以付款，而无需再次索赔。 

e. The guarantor or counter‐guarantor may refuse to grant any extension even if instructed to do so and shall then pay.

e．即使得到展期指示，担保人或反担保人仍可拒绝展期，并应当付款。  

f. The guarantor or counter‐guarantor shall without delay inform the party from whom it has received its instructions of its decision to extend under paragraph (d) or to pay. 

f．担保人或反担保人应将其在d款项下进行展期或付款的决定，毫不延迟地通知给予其指示的一方。 

g. The guarantor and the counter‐guarantor assume no liability for any payment suspended in accordance with this article.

g．担保人和反担保人对根据本条中止付款均不承担任何责任。  

Article 24 Non­complying demand, waiver and notice

第24条 非相符索偿要求，放弃决定和通知

a. When the guarantor determines that a demand under the guarantee is not a complying demand, it may reject that demand or, in its sole judgment, approach the instructing party, or in the case of a counter‐guarantee, the counter‐guarantor, for a waiver of the discrepancies. 

a．当担保人确定一项索赔不是相符索赔时，其可以拒绝该索赔，或者自行决定联系指示方，或者反担保函情况下的反担保人，放弃不符点。 

b. When the counter‐guarantor determines that a demand under the counter‐guarantee is not a complying demand, it may reject that demand or, in its sole judgment, approach the instructing party for a waiver of the discrepancies.

b．当反担保人确定反担保函项下的一项索赔不是相符索赔时，可以拒绝该索赔，或者自行决定联系指示方，放弃不符点。 

c. Nothing in paragraphs (a) or (b) of this article shall extend the period mentioned in article 20 or dispense with the requirements of article 16. Obtaining the waiver of the counter‐guarantor or of the instructing party does not oblige the guarantor or the counter‐guarantor to waive any discrepancy.

c．本条a款或b款的规定都不延长第20条中规定的期限，也不免除第16条中的要求。获得反担保人或指示方对不符点的放弃，并不意味着担保人或反担保人有义务放弃不符点。 

d. When the guarantor rejects a demand, it shall give a single notice to that effect to the presenter of the demand. The notice shall state: 

d．当担保人拒绝赔付时，应就此向索赔提交人发出一次性的拒付通知。该通知应说明： 

i. that the guarantor is rejecting the demand, and

i．担保人拒绝赔付，以及 

ii. each discrepancy for which the guarantor rejects the demand.

ii．担保人拒绝赔付的每个不符点。 

e. The notice required by paragraph (d) of this article shall be sent without delay but not later than the close of the fifth business day following the day of presentation. 

e．本条d款所要求的通知应毫不延迟地发出，最晚不得迟于交单日翌日起第五个营业日结束之前。 

f. A guarantor failing to act in accordance with paragraphs (d) or (e) of this article shall be precluded from claiming that the demand and any related documents do not constitute a complying demand.

f．如果担保人未能按照本条d款或e款的规定行事，则其将无权宣称索赔书以及任何相关单据不构成相符索赔。 

g. The guarantor may at any time, after providing the notice required in paragraph (d) of this article, return any documents presented in paper form to the presenter and dispose of the electronic records in any manner that it considers appropriate without incurring any responsibility.

g．担保人在提交了本条d款中要求的通知之后，可以在任何时候将任何纸质的单据退还交单人，并以自认为适当的任何方式处置有关电子记录而不承担任何责任。 

h. For the purpose of paragraphs (d), (f) and (g) of this article, guarantor includes counter‐guarantor.

h．就本条d款、f款和g款而言，“担保人”包括“反担保人”。  

Article 25 Reduction and termination

第25条 减额与终止 

a. The amount payable under the guarantee shall be reduced by any amount:

a．保函的可付金额应根据下列情况而相应减少：  

i. paid under the guarantee,

i．保函项下已经支付的金额， 

ii. resulting from the application of article 13, or

ii．根据第13条所减少的金额，或者 

iii. indicated in the beneficiary's signed partial release from liability under the guarantee.

iii．受益人签署的部分解除保函责任的文件所表明的金额。 

b. Whether or not the guarantee document is returned to the guarantor, the guarantee shall terminate:

b．无论保函文件是否退还担保人，在下列情况下保函均应终止：

i. on expiry,

i. 保函失效， 

ii. when no amount remains payable under it, or

ii. 保函项下已没有可付金额，或者 

iii. on presentation to the guarantor of the beneficiary's signed release from liability under the guarantee.

iii. 受益人签署的解除保函责任的文件提交给担保人。 

c. If the guarantee or the counter‐guarantee states neither an expiry date nor an expiry event, the guarantee shall terminate after the lapse of three years from the date of issue and the counter‐guarantee shall terminate 30 calendar days after the guarantee terminates.

c．如果保函或反担保函既没有规定失效日，也没有规定失效事件，则保函应自开立之日起三年之后终止，反担保函应自保函终止后30个日历日之后终止。  

d. If the expiry date of a guarantee falls on a day that is not a business day at the place for presentation of the demand, the expiry date is extended to the first following business day at that place.

d．如果保函的失效日不是索赔提交地点的营业日，则失效日将顺延到该地点的下一个营业日。 

e. Where, to the knowledge of the guarantor, the guarantee terminates as a result of any of the reasons indicated in paragraph (b) above, but other than because of the advent of the expiry date, the guarantor shall without delay so inform the instructing party or, where applicable, the counter‐guarantor and, in that case, the counter‐guarantor shall so inform the instructing party.

e．如果担保人知悉保函由于上述b款规定的任一原因而终止，则除非因失效日届至，担保人应将该情况毫不延迟地通知指示方，或者适用情况下的反担保人，在后一种情况下，反担保人也应将该情况毫不延迟地通知指示方。  

Article 26 Force majeure

第26条 不可抗力 

a. In this article, "force majeure" means acts of God, riots, civil commotions, insurrections, wars, acts of terrorism or any causes beyond the control of the guarantor or counter‐guarantor that interrupt its business as it relates to acts of a kind subject to these rules.

a．在本条中，“不可抗力”指由于天灾、暴动、骚乱、叛乱、战争、恐怖主义行为或担保人或反担保人无法控制的任何原因而导致担保人或反担保人与本规则有关的营业中断的情况。 

b. Should the guarantee expire at a time when presentation or payment under that guarantee is prevented by force majeure:

b．如果由于不可抗力导致保函项下的交单或付款无法履行，在此期间保函失效，则： 

i. each of the guarantee and any counter‐guarantee shall be extended for a period of 30 calendar days from the date on which it would otherwise have expired, and the guarantor shall as soon as practicable inform the instructing party or, in the case of a counter‐guarantee, the counter‐guarantor, of the force majeure and the extension, and the counter‐guarantor shall so inform the instructing party;

i. 保函及反担保函均应自其本应失效之日起展期30个日历日，担保人在可行的情况下应立即通知指示方，或者反担保函情况下的反担保人，有关不可抗力及展期的情况，反担保人也应同样通知指示方； 

ii. the running of the time for examination under article 20 of a presentation made but not yet examined before the force majeure shall be suspended until the resumption of the guarantor's business; and

ii. 不可抗力发生之前已经交单但尚未审核的，第20条规定的审核时间的计算应予中止，直至担保人恢复营业：以及 

iii. a complying demand under the guarantee presented before the force majeure but not paid because of the force majeure shall be paid when the force majeure ceases even if that guarantee has expired, and in this situation the guarantor shall be entitled to present a demand under the counter‐guarantee within 30 calendar days after cessation of the force majeure even if the counter‐guarantee has expired.

iii. 保函项下的相符索赔在不可抗力发生之前已经提交但由于不可抗力尚未付款的，则不可抗力结束之后应予付款，即使该保函已经失效，在此情况下担保人有权在不可抗力结束之后30个日历日之内在反担保函项下提交索赔，即使该反担保函已经失效。 

c. Should the counter‐guarantee expire at a time when presentation or payment under that counter‐guarantee is prevented by force majeure:

c．如果由于不可抗力导致反担保函项下的交单或付款无法履行，在此期间反担保函失效，则： 

i. the counter‐guarantee shall be extended for a period of 30 calendar days from the date on which the counter‐guarantor informs the guarantor of the cessation of the force majeure. The counter‐guarantor shall then inform the instructing party of the force majeure and the extension;

i. 反担保函应自反担保人通知担保人不可抗力结束之日起展期30个日历日。同时反担保人应将不可抗力及展期的情况通知指示方； 

ii. the running of the time for examination under article 20 of a presentation made but not yet examined before the force majeure shall be suspended until the resumption of the counter‐guarantor's business; and

ii. 不可抗力发生之前已经交单但尚未审核的，第20条规定的审核时间的计算应予中止，直至反担保人恢复营业：以及  

iii. a complying demand under the counter‐guarantee presented before the force majeure but not paid because of the force majeure shall be paid when the force majeure ceases even if that counter‐guarantee has expired.

iii. 反担保函项下的相符索赔在不可抗力发生之前已经提交但由于不可抗力尚未付款的，则不可抗力结束之后应予付款，即使该反担保函已经失效。  

d. The instructing party shall be bound by any extension, suspension or payment under this article.

d．根据本条规定进行的任何展期、中止或付款均对指示方有约束力。  

e. The guarantor and the counter‐guarantor assume no further liability for the consequences of the force majeure.

e．担保人和反担保人对于不可抗力的后果不承担进一步的责任。  

Article 27 Disclaimer on effectiveness of documents

第27条 关于单据有效性的免责  

The guarantor assumes no liability or responsibility for:

担保人不予承担的责任和义务： 

a. the form, sufficiency, accuracy, genuineness, falsification, or legal effect of any signature or document presented to it;

a．向其提交的任何签字或单据的形式、充分性、准确性、真实性、是否伪造或法律效力； 

b. the general or particular statements made in, or superimposed on, document presented to it;

b．所接收到的单据中所作或添加的一般或特别声明； 

c. the description, quantity, weight, quality, condition, packing, delivery, value or existence of the goods, services or other performance or data represented by or referred to in any document presented to it; or

c．向其提交的任何单据所代表的或引述的货物、服务或其他履约行为或信息的描述、数量、重量、品质、状况、包装、交付、价值或其存在与否：以及  

d. the good faith, acts, omissions, solvency, performance or standing of any person issuing or referred to in any other capacity in any document presented to it.

d．向其提交的任何单据的出具人或所引述的其他任何身份的人的诚信、作为与否、清偿能力、履约或资信状况。

Article 28 Disclaimer on transmission and translation

第28条 关于信息传递和翻译的免责 

a. The guarantor assumes no liability or responsibility for the consequences of delay, loss in transit, mutilation or other errors arising in the transmission of any document, if that document is transmitted or sent according to the requirements stated in the guarantee, or when the guarantor may have taken the initiative in the choice of the delivery service in the absence of instructions to that effect.

a．当单据按照保函的要求传递或发送时，或当保函未作指示，担保人自行选择传送服务时，担保人对单据传送过程中发生的延误、中途遗失、残缺或其他错误产生的后果，不予负责。 

b. The guarantor assumes no liability or responsibility for errors in translation or interpretation of technical terms and may transmit all or any part of the guarantee text without translating it.

b．担保人对于技术术语的翻译或解释上的错误，不予负责，并可不加翻译地传递保函整个文本或其任何部分。 

Article 29 Disclaimer for acts of another party

第29条 关于使用其他方服务的免责 

A guarantor using the services of another party for the purpose of giving effect to the instructions of an instructing party or counter‐guarantor does so for the account and at the risk of that instructing party or counter‐guarantor.

为了执行指示方或反担保人的指示，担保人利用其他方的服务，有关费用和风险均由指示方或反担保人承担。  

Article 30 Limits on exemption from liability

第30条 免责的限制 

Articles 27 to 29 shall not exempt a guarantor from liability or responsibility for its failure to act in good faith.

担保人未依诚信原则行事的情况下，第27条到29条免责条款不适用。  

（本文转自“译匠”公众号，已获授权）