混合共同担保实务问题研究

发布时间：2018-05-18 05:48

本文选题：混合共同担保 + 人的担保　；参考：《内蒙古大学》2017年硕士论文

【摘要】：我国现行法对于混合共同担保制度的规定存在相互冲突与不完善之处,亟待反思并设计相应的完善规则已为我国司法实践所必要。本文通过实证分析的方法并结合各地法院所做判决研究发现,目前有关混合共同担保在司法实践中主要集中的问题是,债务人到期无法清偿其债务时,债权人应如何执行,有无执行顺序;保证人与第三人物保人之间能否相互追偿;债权人放弃一方担保责任对另一方有何影响。笔者在既有研究成果的基础上认为,在人保与物保并存时,若无明确约定,若债务人自己提供物保,则无须考虑保证方式是一般保证还是连带保证,统一认定债权人的选择权受到限制,也即债权人必须先就债务人的物保实现债权;若提供物保的是第三人,则债权人可任凭己愿在保证人与物保人之间进行选择。在采取保证人与物保人平等主义的立场下,应认定保证人与第三人物保人之间能够相互追偿,各自应担份额依据各自担保的范围占总的担保比例来确定。债权人放弃一方担保责任的,他方得在相应范围内免除担保责任。
[Abstract]:There are some conflicts and imperfections in the provisions of the mixed common guarantee system in the current law of our country. It is necessary to reflect on and design the corresponding perfect rules in our country's judicial practice. In this paper, through the empirical analysis method and combined with the judgments made by local courts, it is found that the main problem in judicial practice is how the creditor should execute when the debtor is due to be unable to pay off its debts. Whether there is an order of enforcement; whether the guarantor and the third person can recover each other; and what effect the creditor has on the other by waiving the liability of one party's security. On the basis of the existing research results, the author holds that, if there is no clear agreement on the coexistence of PICC and real insurance, if the debtor provides rem himself, there is no need to consider whether the form of warranty is a general guarantee or a joint guarantee. It is agreed that the creditor's right of option is restricted, that is, the creditor must first realize the creditor's right of claim on the debtor's reinsurance; if the third party provides the reassurance, the creditor may choose between the guarantor and the guarantor. Under the position of equality between surety and real estate holder, it should be assumed that the guarantor and the third person holder can recover from each other, and their respective shares should be determined according to the scope of their respective guaranty to the proportion of the total guarantee. Where a creditor waives a party's liability for security, the other party may, within the corresponding scope, be exempted from the liability of the guarantee.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.2

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