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保证作为债务的一种法定担保形式,已被银行业广泛应用于信贷业务方面.本文就保证的基本法理与银行在实际操作中作为贷款债权人如何追究保证人的保证责任问题谈几点看法.一、对保证法理的一般性分析根据《担保法》的规定.保证是“保证人和债权人约定,当债务人不履行债务时由保证人按照约定履行债务或承担责任的行为”.从《担保法》等保证规定可以得到以下认识:1、保证人是贷款人与借款人以外的第三人,以书面约定当被保证人不履行偿还到期贷款和法定孳息义务时由充当保证人的第三人承担连带赔偿责任.2、保证具有从属性和补充性.保证合同因主合同的
As a kind of statutory guarantee, the guarantee has been widely applied in the credit business by the banking industry.This article talks about the basic law of guarantee and how the bank creditors hold the guarantor’s guarantee responsibility in practice.Firstly, The general analysis of the law of guarantee is based on the provisions of the Guarantee Law, which is “the act of the guarantor and the creditor agreeing that the guarantor shall perform the debt or take the responsibility according to the agreement when the debtor defaults.” From the guaranty law, Get the following recognition: 1, the guarantor is a third party other than the lender and the borrower, in written agreement when the guarantor fails to perform its obligation to repay maturing loans and statutory obligations by the guarantor of the third person to assume joint and several liability .2, Assurance has the subordinate attribute and the supplementary nature guarantees the contract because of the main contract