１９９６年１０月１日起正式实施的《境内机构对外担保管理办法》似下简称“《办法》”），为促进我国对外经济金融活动和规范对外担保行为起到了积极作用。但由于对外担保活动所涉及的范围广、技术要求高、时效性强，在担保业务中遇到如下问题：１．中资银行对外担保国家外汇 The “Measures for the Administration of External Guarantees Provided by Domestic Institutions”, which was put into effect on October 1, 1996, acted as the “Measures” for short) and played a positive role in promoting China’s foreign economic and financial activities and regulating external guarantees. However, due to the wide range of external guarantee activities, high technical requirements, timeliness, the following problems encountered in the guarantee business: 1. Chinese banks guarantee foreign exchange