商业银行分支机构保证效力问题研究

Research on the guarantee effect of the commercial bank branches

立法及司法实务均认定企业法人分支机构在无法人书面授权情况下所提供的保证构成无效。商业银行身份特殊,其分支机构提供保证的有效性不应与法人书面授权之间建立因果关系,立法应明确作出导向性适用规则和法律归位。在立法尚未修订情况下,应以法治为基准并结合保证有效的要件审查认定保证有效的成立。

The legislation and judicial practice of the enterprise legal person branch in the absence of a legal person in the written authorization provided by the guarantee of invalid.The identity of a commercial bank is special,and the validity of the branch of the commercial bank shall not be established between the written authorization of the legal person and the causal relationship.In the case that the legislation has not been amended,it should be based on the rule of law,and it is effective to guarantee the effective establishment of the effective elements of the guarantee.