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近些年随着经济发展,企业向银行金融借贷越来越普遍,而在借贷过程中银行利用自己的强势地位,常常让借款人、保证人签订一些空白文件,虽然银监会多次通过通知等形式明确不允许签订空白文件,但因为空白文件签署和内容填写间隔时间短、借款人急于贷款发放等原因,在实际操作中并不容易查明。笔者在2015年承办的一起案件中,银行利用变造空白合同起诉保证人要求其承担保证责任,笔者综合证据材料和庭审逼迫银行承认变造,最终保证人成功脱保。
In recent years, as the economy develops, enterprises borrow more and more from banks. In the course of borrowing and lending, banks make use of their strong position and often let borrowers and guarantors sign some blank documents. Although the CBRC has repeatedly clarified Not allowed to sign a blank document, but because of the blank documents signed and the content is filled in a short time interval, the lender eager to issue loans and other reasons, in actual operation is not easy to identify. In a case contracted by the author in 2015, the bank sued the guarantor for claiming guaranty liability by using the blank contract. The author forced the bank to admit the alteration by the comprehensive evidence and trial, and finally the guarantor successfully defaulted.