BANK GUARANTEE ACCORDING TO OBLICATIONS ACT.

Cilj ovog završnog rada je obraditi i definirati bankarske garancije prema Zakonu o obveznim odnosima. Sukladno navedenome, na samom početku objasniti će se odredbe vezane za ugovore o bankarskom poslovanju, te će se nakon toga ući u definiranje pojma bankarske garancije, pravne prirode bankarske garancije, ugovorne strane i pravni odnosi, te vrste bankarskih garancija. Nakon toga, analizirati će se ugovorne garancije, njihovo trajanje i rokove naplate, isprave potrebne za naplatu i sporove. Uz to, definirati će se i pravila za garancije na poziv, njihov sadržaj i rizike naplate, obvezu plaćanja te potrebne dokumente za plaćanje, vrijeme plaćanja, prijenos prava i odnos banaka i nalogodavatelja kod naplate, a sve to u skladu sa Zakonom o obveznim odnosima. Detaljno će se objasniti i garancije u poslovnoj praksi, te navesti i razraditi prednosti i nedostaci bankarskih garancija. Na krajurada navesti će se jedan primjer obrasca bankarskih garancija, te priložiti i primjer iz sudske prakse.The aim of this final paper is to process and define bank guarantees under the Oblications act. According to the above, at the outset, the provisions relating to contracts for banking business will be explained,then the concept of bank guarantee will be defined, then they will enter into defining the concept of bank guarantee, legal nature of bank guarantees, contractual and legal relations, and types of bank guarantees. After that,contractual guarantees will be analyzed,their duration and biling deadlines, documents required for biling and disputes. Besides,rules for calling guarantees will be define, it will be defined rules for calling guarantees, their content and biling risks,payment obligation and required payment documents, the payment time, the transfers of rights and the relationship between the bank and biling authority, all in accordance with the Obligations Act. The guarantees in business practice will be explained in detail, and the advantages and disadvantages of bank guarantees will be specified and analyzed. At the end there will be an example of a bank guarantee form, and an example from case law will be enclosed