一、保函的一般概念在国际土木工程承包合同中,保函其实是一个由投保人、担保人、受益人三方介入的协议。保函由投保人(承包商)提出申请,请求担保人(银行、保险公司等担保机构)作为中间人,向受益人(业主)做出担保。如果投保人违约,担保人将直接介入,向受益人履行保函中承诺的合 First, the general concept of bond In the international civil engineering contract, the bond is actually an agreement by the insured, guarantor, beneficiary involved in the tripartite. The guarantee is submitted by the applicant (contractor) to request the guarantor (bank, insurance company and other guarantee agencies) as an intermediary to provide the beneficiary (landlord) a guarantee. If the insured person defaults, the guarantor will intervene directly to the beneficiary to fulfill the promised in the letter of cooperation