在国际融资活动中,无论是出于保障债权的考虑,还是作为资金融通的媒介,担保制度必不可少。由于全球经济的高速发展,特别是担保市场的出现,成就了作为独立商业事业的担保,从而使银行信用(也包括非银行金融机构信用)取代债务人个人信用成为最主要的担保信用。在这样的背景下,在国际融资信用担保中,出现了与传统的从属性保证不同的独立担保。从担保与被担保的债权关系来看,从属性保证的最大特征是保证合同从属于主合同,各国法律和我国的担保法都承认,担保人与债权人之间的基本权利义 In international financing activities, the guarantee system is indispensable either for the protection of claims or as a medium for financial intermediation. Due to the rapid development of the global economy, especially the emergence of the guarantee market, the guarantee of being an independent commercial enterprise has been achieved. As a result, the bank credit (including non-bank financial institution credit) has replaced the personal credit of the debtor as the most important guarantee credit. Under this background, in the international financing credit guarantee, independent guarantee different from the traditional guarantee of dependency appears. Judging from the relationship between the guarantee and the secured creditor’s rights, the most prominent feature of the subordinate property guarantee is that the guarantee contract is subordinate to the main contract, the national laws and the guarantee law of our country recognize that the basic rights and obligations between the guarantor and the creditor