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保证贷款逾期之后,农信社除了在实体法层面着力之外,还要注意用正确有效的程序法手段,来保证实体正义的实现,切实保护好自身的债权保证贷款一旦逾期,所涉及的“主债务诉讼时效”“保证期间”“保证债务诉讼时效”三个期间及对其如何把握,直接关系到农信社债权的保护和实现。三个期间的涵义(一)主债务诉讼时效诉讼时效是指民事权利受到侵害的权利人在法定的时效期间内不行使权利,当该时效期间届满时,权利人将失去胜诉权利。在法律规定的诉讼时效内,权利人提出请求的,人民法院将强制义务人履行所承担的义务。而在法定的诉讼时效期间届满后,权利人行使请求权的,人民法院就不再予以保护。民法通则第
After the loans are overdue, the RCCs should pay attention to using the correct and effective procedural laws to ensure the realization of substantive justice and effectively protect their own debt guarantee loans once they are overdue. “The main debt litigation period ” “guarantee period ” “guarantee debt litigation ” three periods and how to grasp, is directly related to the protection and realization of the rural credit cooperative claims. Implications of the three periods (a) the main debt litigation statute of limitations limitation refers to the right of the infringer of civil rights within the statutory limitation period does not exercise the right, when the limitation period expires, the rightholder will lose the right to win. If the obligee makes a request within the limitation of law prescribed by law, the people’s court will enforce the obligee’s obligations. However, after the expiration of the statutory limitation period, if the obligee exercises the right of claim, the people’s court will no longer protect it. General Principles of Civil Law