保证责任方式约定不明情形规定为连带责任保证的不合理性

The Unreasonableness of Joint Liability Guarantee Is Stipulated in the Undetermined Mode of Guaranty Liability

基于对债权人利益偏颇保护的逻辑,《担保法》第19条将保证方式没有约定或约定不明的情形规定为连带责任保证。如此规定,债权人往往会恶意利用保证人对保证制度的无知,故意不约定保证方式或约定不明,迫使保证人承担较重的连带责任,违背保证人的真实意愿,增加纠纷处理成本,造成较大的社会效用损失。一般保证推定更符合保证制度的基本原理,更有利于促进债权人依法完善保证合同的内容,更有利于改变'人呆作保'的局面。

Based on the logic of biased protection of creditors’interests,Article19 of The Guarantee Law stipulates that joint and several liability guarantees are guaranteed if the guarantees are not prescribed or prescribed unclear.In this way,the creditor will maliciously use the ignorance of the guarantor on the guaranty system so as to force the guarantor to bear heavier joint and several liability by no or not clear guarantee method.The result is contrary to the real intention of the guarantor,increase the cost of dispute settlement,result in greater loss of social utility.The presumption of guaranty is more in line with the basic principles of the guaranty system,more conducive to promoting creditors to improve the content of the guaranty contract in accordance with the law,and more conducive to changing the situation of only a fool is willing to provide security.