案例解析:催款通知书内容决定保证期间能否延续

发布时间：2018-01-06 09:24

本文关键词：案例解析:催款通知书内容决定保证期间能否延续　出处：《中国农村金融》2016年12期 　论文类型：期刊论文

【摘要】：正催款通知书内容符合合同法和担保法有关担保合同成立的规定,并经保证人签字认可,能够认定成立新的保证合同的,人民法院应当认定保证人按照新保证合同承担责任向债务人和担保人发送催款通知书,是银行业金融机构对逾期贷款进行催收的重要手段之一,其承载着延续担保债权受法律保护的重要功能。然而,部分银行在对保证人送达的催款通知书中载明的内容相对简单,对保证期间的法律属性存在错误认识,以至于在实际诉讼当中,人民法院对催款通知书延续保证人承担担保责任不予认定,致使银行的债权无法完整地受到法律保护。
[Abstract]:Notice is consistent with the content of the contract law and the guaranty law on the guarantee contract, and ensure the signature recognition, to identify the establishment of the new contract, the people's court shall determine that the guarantor in accordance with the new contract of guarantee liability notice to the debtor and guarantor to send reminders, is one of the important means of banking financial institutions to carry out collection on overdue loans, carrying the important function of continuation of guarantee creditor's rights protected by law. However, in the part of the bank to ensure the relatively simple content service specified in the notice, the legal nature of guarantee period is the wrong understanding, so that in the actual proceedings, the people's court to ensure the people continue to assume responsibility for security is not found the notice of payment, the bank creditor's rights cannot be fully protected by law.

【作者单位】：山西省太原市城区联社法律合规部;
【分类号】：D923
【正文快照】： 催款通知书内容符合合同法和担保法有关担保合同成立的规定,并经保证人签字认可,能够认定成立新的保证合同的,人民法院应当认定保证人按照新保证合同承担责任 f■[债务人和担保人发送催款通知书,是法庭经审理认定,A银行与张某签订的借款I银行业金融机构对逾期贷款进行催收合

【相似文献】