浅析保证的法律效力

On Legal Effects of Warrant

当今社会,大宗的民事经济交往十分频繁。由于交往中有诸多不可预见的因素会影响债权人利益的实现,为此,债权人为了确保债权顺利实现,一般都要求债务人提供担保。担保有财保和人保两类,保证是人保的方式。保证担保的一个核心问题是保证的效力。保证涉及到债权人、债务人和保证人三方的利益,加之保证又有较多不确定因素,这些因素关系到其是否产生法律效力的问题。

The hulk of the civil economic exchanges are frequent in today＇ s society. Many un- foreseen factors would influence the creditor＇ s interests. Generally, in order to ensure the creditor＇ s right, the debtor would be required to provide security. Guarantee includes personal guarantee and property guarantee. A central issue in warrandice is the effectiveness of guarantee. Guarantee relates to the interests of the creditor, debtor and guarantor, and to whether it has legal effect caused by lots of uncertain factors.