我国信用担保业立法探析

A Legislative Analysis of Chinese Credit Guarantee Industry

我国现行信用担保业立法理论准备不够、立法层次低、效力不足、互相冲突、缺少"立行之规",制约了行业发展,亟待完善相关立法。信用担保业立法的基本原则应为诚实信用原则、公平原则、支持发展与防范风险相结合原则,宜采大陆法系专门立法的单行法模式并以法律的形式出现,以强行性法律规范为主,对不同性质的信用担保机构、不同类型的担保业务分别调整。

In the present Chinese credit guarantee industry, there exist some questions such as insufficient theoretical preparations, low legislative levels, inadequate efficiency, mutual contradictions and lack of performing rules, which restrict the industry development and require urgent perfecting relevant legislation. The principles of credit guarantee industry are： honest and credit, fair, supporting the development and avoiding risks, adopting the specific regulations model of the special legislation in the continental law system and taking the form of the law, taking the compulsory regulations as the main part, respectively adjusting different credit guarantee agencies with different features and the guarantee industries of different types.