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某县法院的卷宗里有这样一个案例:当地某家银行给一位个体户发放贷款1.2万元,担保单位是当地养路费征稽站,此笔贷款到期后,正值这家银行催收之时,借款人却突然因故身亡,而其身后又无可供抵扣的债权或财产。于是银行方面向法院递呈了诉状,要求判令担保方承担连带责任,代为还款。经过历时数月的调查审理后,法院判决原告败诉。判决理由是:(一)贷款方对担保方的主体资格
A case in a county court case: a local bank to a self-employed loans of 12,000 yuan, the guarantee unit is the local road maintenance fees Zheng Ji station, the loan expires, just as the bank collection time , The borrower suddenly died of any cause, and there was no creditor’s rights or property available for deductible. So the bank filed a petition to the court, requiring the guarantor to order the joint and several liability, on behalf of the repayment. After several months of investigation, the court ruled that the plaintiff lost the case. The reasons for the judgment are: (1) The qualification of the borrower as the main body of the guarantor