银行在独立担保中债务抵销问题研究

Research on Debt Offset of Banks in Independent Guarantee

独立担保逐渐成为一种主流的国际担保方式。但是,与实践发展不相适应的是,目前世界上绝大多数国家的法律对这种新型的担保方式没有做出明文规定。通过分析国际公约、典型案例及中国国内立法的相关规定,从正反两方面进行论证,总结得出银行在独立担保中享有抵销权具有其合理性。同时,银行抵销权应该受到适当的限制,这样才有利于独立担保制度的良性发展。

Independent guarantees have gradually become a mainstream international guarantee style.However,what is inconsistent with the development of practice is that the laws of most countries in the world do not expressly stipulate this new type of guarantee at present.By analyzing international conventions,typical cases and relevant provisions of Chinese domestic legislation,it is proved from both positive and negative aspects that it is reasonable for banks to enjoy the right of set-off in independent guarantees.At the same time,the bank's right of set-off should be appropriately restricted,which is conducive to the sound development of the independent guarantee system.