我国担保公司反担保研究

Research on the Counter-Guarantee of China's Guaranty Companies

我国目前还没有对反担保进行专门立法,现行法律只是原则上给出了反担保适用担保的规定,相关配套制度至今没有完善,直接影响到对担保公司设定反担保实践的规范和合法权益的保护;尤其是现实经济生活中反担保物种类的不断变化和反担保方式的不断创新迫切需要对我国担保公司反担保进行研究。笔者在简要阐述反担保概念、反担保方式的种类和设定反担保四个方面的现实意义基础上,对日常工作中遇到的法律问题进行层层剖析,建议立法者以保障担保公司追偿权的实现为立法目的,高度重视和加强反担保的专门性立法,完善相关配套制度。

There is still no specific legislation on the counter-guarantee for the guaranty companies in China. ＂Property Law＂, ＂Guarantee Law＂ and the judicial interpretation on ＂Guarantee Law＂ stipulate that the related regulations of guarantee are applicable to counter-guarantee, which directly affects the specification of the political guaranty companies＇ counter-guarantee practice and the protection of the legitimate rights and interests. Especially, with the constant change of the collateral types and the innovation of the counter-guarantee styles, the research on the counter-guarantee of China＇ s guaranty companies becomes more and more urgent. The author briefly describes the concept of counter-guarantee and the types of counter-guarantee style, points out that the counter-guarantee has four aspects of realistic significance, and then teases out the main problems by analyzing the several universal cases that China＇ s guaranty companies＇ encountered in setting counter-guarantee. In the rest of the article, the author puts forward some targeted suggestions for improving the counter-guarantee system of China＇s guaranty companies, such as establishing and perfecting China＇s guaranty companies＇ counter-guarantee specialized legislation and other related supporting systems of counter-guarantee legislation.