共同担保人受让债权的法律效果

LEGAL EFFECT OF CO-GUARANTORS'ASSIGNMENT OF CLAIMS

在共同担保中,某一担保人受让债权的行为被《担保制度解释》第十四条明确认定为承担担保责任,但由担保人受让债权产生的法律问题也日益显现。司法解释排除其他法律性质的理由不充分,其规范效果存在只能约束担保人的缺陷,未能释明是否继续适用债权让与的规则,这些解释,造成《担保制度解释》第十四条在实践中的适用存在一定争议。现行结论的合理性从解释论的角度补充说明,应扩大解释受让主体的范围、强化规制效果、约束担保人的关联人受让债权,以保护其他担保人的利益,保留债权让与的规则。同时,遵从程序性要求,由受让人及时通知债务人及其他担保人。

In joint guarantee,the act of a certain guarantor to accept the claim is clearly recognized as the guarantee liability in Article 14 of the Guarantee System Interpretation,but legal problems arising from the guarantor's acceptance of the claim are also increasingly apparent.The judicial interpretation is not sufficient to exclude other legal reasons,because its normative effect can only constrain the guarantor,and it does not clarify whether to continue to apply the rules of assignment of creditor's rights,which have led to some controversies over the application of this article in practice.By analyzing the drawbacks of the assignment of creditor's rights and the settlement on behalf of the third party,the rationality of the current conclusion is supplemented,the scope of the interpretation of the subject of the assignment is expanded,and the regulatory effect is strengthened,so as to protect the interests of other guarantors,retain the rules of the assignment of creditor's rights,as well as comply with the procedural requirement that the assignee gives timely notice to the debtor and other guarantors.