AVAL 是什么意思？

AVAL
“A payment such as a bill of exchange, promissory note, or cheque which a bank promises to pay if [its] customer is not able to pay it back themselves. An aval is sometimes referred to as a ‘bank guarantee’, since a bank is guaranteeing payment of the financial instrument.” (Cambridge Dictionary, 2021)

“如果客户无法自己偿还，银行承诺支付的付款，例如汇票，本票或支票。aval有时被称为“银行担保”，因为银行为金融工具的付款提供担保。

Avalisation
The buyer’s bank may also provide a form of additional acceptance to the draft accepted by the buyer. This is common in a number of countries and is known as ‘avalisation’, because the bank signs the bill with words such as ‘Bon pour aval’. Clearly, with the collecting bank’s name on the draft, the collecting bank effectively guarantees payment. Thus, it is possible for financing to be raised on the draft prior to the due date on the strength of the bank avalisation.（买方的银行还可以向买方接受的汇票提供一种额外承兑的形式。这在许多国家很常见，被称为“avalisation”，因为银行用“Bon pour aval”等词语签署账单。显然，汇票上有收款银行的名称，收款银行有效地保证了付款。因此，由于银行增值税化的力量，有可能在到期日之前在汇票上筹集资金。）

The prior permission of the buyer and its bank should be obtained before submitting a collection instruction with a request for avalisation. The bank’s acceptance ‘pour aval’ will incur further bank charges, and, prior to the collection being despatched, the buyer and seller must agree who will be responsible for these charges. Collecting banks must not release the documents unless they are prepared to avalise the draft, and to do so, they should ensure that the buyer is financially capable of paying the draft on the due date.在提交催收指令并提出avalisation请求之前，应事先获得买方及其银行的许可。银行的承兑“‘pour aval”将产生进一步的银行费用，在托收之前，买方和卖方必须同意谁将负责这些费用。收款银行不得发放单据，除非他们准备将汇票付清，为此，它们应确保买方在到期日有经济能力支付汇票。

Negotiation, financing and avalisation are not part of the documentary or clean collection transaction. They also fall outside the scope of the URC 522 and are offered by banks as a competitive product connected with the result of a collection (an accepted draft, for example). The fact that a seller uses the method of collection does not automatically give them the right to obtain any form of financing. This is different from documentary credits, where discounting or pre‑payment is part of the method itself, as laid out in UCP 600.

来自CITF2021， 8.6 Finance against documentary collections