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信用担保是银行的重要业务之一。银行业务中的信用担保大体有两类:一是独立性的保函,二是从属性的保证,本文着重探讨后者。“保证”是债的当事人以外的第三人保证债务人履行债务的一种债的担保制度。《民法通则》第八十九条第一项规定:“保证人向债权人保证债务人履行债务,债务人不履行债务的按照约定由保证人履行或者承担连带责任;保证人履行债务后,有权向债务人追
Credit guarantee is one of the bank's important businesses. There are basically two types of credit guarantee in the banking business: one is the guarantee of independency and the other is the assurance of the property. This article focuses on the latter. ”Guarantee “ is a guarantee system for a third party other than the debtor to guarantee that the debtor performs a debt obligation. Article 89, Paragraph 1 of the General Principles of Civil Law stipulates: ”The guarantor guarantees to the creditor that the debtor shall perform its debts. The debtor shall perform or take joint and several liabilities as the guarantor according to the agreement. The guarantor shall have the right to pursue the debts