担保法.docx
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担保法.docx
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担保法
担保法(英文版)GuarantyLawofthePeople'sRepublicofChina<法律英语网
中华人民共和国担保法(英文版)GuarantyLawofthePeople'sRepublicofChina
OrderofthePresidentofthePeople'sRepublicofChinaNo.50
TheGuarantyLawofthePeople'sRepublicofChina,adoptedatthe14thMeetingoftheStandingCommitteeoftheEighthNationalPeople'sCongressofthePeople'sRepublicofChinaonJune30,1995,isherebypromulgatedandshallenterintoforceasofOctober1,1995.
JiangZemin
PresidentofthePeople'sRepublicofChina
June30,1995
Content
Chapter1GeneralProvisions
Chapter2Suretyship
Section1SuretyshipandSurety
Section2SuretyshipContractandModesofSuretyship
Section3SuretyshipLiability
Chapter3Mortgage
Section1MortgageandMortgagedProperty
Section2MortgageContractandRegistrationofMortgagedProperty
Section3EffectofMortgage
Section4EnforcementofMortgageRight
Section5MortgageofMaximumAmount
Chapter4Pledge
Section1PledgeofMovables
Section2PledgeofRights
Chapter5Lien
Chapter6Deposit
Chapter7SupplementaryProvisions
Chapter1GeneralProvisions
Article1
ThisLawisenactedwithaviewtopromotingtheaccommodationoffundsandthecirculationofcommodities,ensuringtheenforcementofcreditor'srightsanddevelopingthesocialistmarketeconomy.
Article2
ThisLawisenactedwithaviewtopromotingtheaccommodationoffundsandthecirculationofcommodities,ensuringtheenforcementofcreditor'srightsanddevelopingthesocialistmarketeconomy.
Article3
Inguarantyactivities,theprinciplesofequality,voluntariness,fairness,honestyandcredibilityshallbeobserved.
Article4
Whereathirdpartyprovidesaguarantytocreditorforadebtor,thethirdpartymayrequirethedebtortoprovidehimwithacounter-guaranty.TheprovisionsonguarantyinthisLawshallapplytothecounter-guaranty.
Article5
Aguarantycontractisanancillarycontractoftheprincipalcontract.Iftheprincipalcontractisnullandvoid,theguarantycontractshallbenullandvoid,accordingly.Whereitisotherwiseagreedintheguarantycontract,suchagreementshallprevail.Ifaguarantycontractisdeterminedtobenullandvoid,thedebtor,theguarantororthecreditorwhoisindefaultshallbearcivilliabilityaccordingtotheirrespectivefault.
Chapter2Suretyship
Section1SuretyshipandSurety
Article6
SuretyshipasusedinthisLawmeansanagreementpursuanttowhichasuretyandacreditoragreethatthesuretyshallperformtheobligationorbeartheliabilityaccordingtotheagreement,whenthedebtorfailstoperformhisobligation.
Article7
Alegalperson,otherorganizationoracitizencapableofassumingdebtsmayactasasurety.
Article8
NoStateorganmayactasasurety,exceptinthecaseofsecuringloans,foronlending,fromaforeigngovernmentoraninternationaleconomicorganizationasisapprovedbytheStateCouncil.
Article9
Institutionssuchasschools,kindergartensandhospitalsestablishedforpurposesofpublicwelfare,andpublicorganizationsmaynotactasasurety.
Article10
Branchesandfunctioningdepartmentsofanenterpriseasalegalpersonmaynotactasasurety.Ifabranchofanenterpriseasalegalpersonhasapowerofattorneyfromthelegalperson,itmayprovideasuretyshipwithinthescopeofauthority.
Article11
Noorganizationorindividualmaycompelabankoranotherfinancialinstitutionoranenterprisetoprovideasuretyshipforanother;abankoranotherfinancialinstitutionoranenterpriseshallhavetherighttorefusetoprovidesuretyshipforanother.
Article12
Wheretherearetwoormoresuretiesforoneobligation,thesuretiesshallundertakesuretyshipliabilityaccordingtotheirproportionofsuretyshipagreedinthesuretyshipcontract.Intheabsenceofanagreementontheproportionofsuretyship,thesuretiesshallbejointlyandseverallyliable.Thecreditormaydemandanyoneofthesuretiestoundertakeallsuretyshipliability,andeverysuretyshallhavetheobligationtoensureallofthecreditor'srights.Thesuretywhohasundertakenthesuretyshipliabilityshallhavetherightofrecourseagainstthedebtor,orhavetherighttodemandothersuretieswhoarejointlyandseverallyliabletodischargetheproportionofobligationswhichtheyshouldrespectivelyassume.
Section2SuretyshipContractandModesofSuretyship
Article13
Asuretyandacreditorshallconcludeasuretyshipcontractinwriting.
Article14
Asuretyandacreditormayconcludeseparatesuretyshipcontractsforasingleprincipalcontract,ormayreachanagreementtoconclude,totheextentofthemaximumamountofclaim,asinglesuretyshipcontractforloancontractsorforcertaincommoditiestransactioncontractswhichsuccessivelyoccurinagivenperiodoftime.
Article15
Asuretyshipcontractshallcontainthefollowingparticulars:
(1)thekindandamountoftheprincipalclaimguaranteed;
(2)thetimelimitforthedebtortoperformtheobligation;(3)themodesofsuretyship;(4)thescopeofthesuretyshipguaranty;(5)thetermofthesuretyship;and(6)othermattersthepartiesdeemappropriate.Ifasuretyshipcontractdoesnotcontainalltheparticularsspecifiedintheprecedingparagraph,theparticularsomittedmaybeaddedbyamendment.
Article16
Themodesofsuretyshipinclude:
(1)generalsuretyship;
(2)suretyshipofjointandseveralliability.
Article17
Ageneralsuretyshipreferstoasuretyshipcontractwhereinthepartiesagreethatthesuretyshallundertakesuretyshipliabilityincasethedebtordefaults.Ageneralsuretyshipallowsthesuretytorefusetoundertakesuretyshipliabilitytowardsthecreditorbeforeadisputeovertheprincipalcontractistriedorarbitratedandtheobligationsarenotenforceableevenafterthedebtor'sassetshavebeenseizedaccordingtolaw.Asuretymaynotexercisetherightprovidedintheprecedingparagraphinanyofthefollowingcircumstances:
(1)Thechangeofthedebtor'sdomicilemakesitextremelydifficultforthecreditortohavethedebtor'sobligationenforced;
(2)APeople'sCourtsuspendstheenforcementproceedingsduetoitsacceptanceofthedebtor'sbankruptcycase;or(3)Thesuretywaivesinwritingtherightprovidedintheprecedingparagraph.
Article18
Asuretyshipofjointandseveralliabilityreferstoasuretyshipcontractwhereinthepartiesagreethatthesuretyandthedebtorshallbejointlyandseverallyliable.Wherethedebtorofasuretyshipofjointandseveralliabilitydefaultswhenthetimelimitforhisperformanceoftheobligationprovidedintheprincipalcontractexpires,thecreditormaydemandthatthedebtorperformhisobligation,ordemandthatthesuretyundertakethesuretyshipliabilitywithinthescopeofthesuretyshipagreement.
Article19
Intheabsenceofanagreedorexplicitlyagreedmodeofsuretyship,thepartiesshallbearthesuretyshipliabilityfollowingthemodeofasuretyshipofjointandseveralliability.
Article20
Thesuretyofageneralsuretyshiporasuretyshipofjointandseveralliabilityshallenjoythedebtor'srightofdefense.Whereadebtorwaiveshisrightofdefenseagainsttheobligation,thesuretyshallstillenjoyarightofdefense.Therightofdefensemeansadebtor'srighttoexercisehisrightofclaimonlegalbasisagainstthecreditorwhenthecreditorseekstoenforcehisrights.
Section3SuretyshipLiability
Article21
Thescopeofthesuretyshipguarantyincludestheprincipalclaimandtheinterestthereof,defaultfine,compensationfordamageandexpensesforenforcingtheclaim,unlessthesuretyshipcontractprovidesotherwise.Intheabsenceofanagreedorexplicitlyagreedscopeofthesuretyshipguaranty,thesuretyshallbeliableforpaymentofalltheabovecosts.
Article22
Ifacreditortransfers,inaccordancewithlaw,hisprincipalclaimtoathirdpartyduringtheperiodofthesuretyship,thesuretyshallcontinuetobeboundbythesuretyshipcontractwithinthescopeoftheoriginalsuretyshipguaranty,unlessthesuretyshipcontractprovidesotherwise.
Article23
Whereacreditorpermitsadebtortotransferhisdebtstoathirdpartyduringtheperiodofthesuretyship,aconsentinwritingshallneedtobeobtainedfromthesurety;thesuretyshallnolongerbeliableifthedebtsaretransferredwithouthispriorconsentinwriting.
Article24
Whenacreditorandadebtoragreetoaltertheprincipalcontract,theyshallhavetoobtainthesurety'sconsentinwriting;thesuretyshallnolongerbeliableifthecontractisalteredwithouthispriorconsentinwriting,unlessthesuretyshipcontractprovidesotherwise.
Article25
Ifthesuretyofageneralsuretyshipandthecreditorhavenoagreementonthetermofsuretyship,thetermofsuretyshipshallbesixmonthsfromthedateofmaturityoftheprincipaldebts.Wherethecreditorneitherfilesalawsuitagainstthedebtornorappliesforarbitrationduringthetermofsuretyshipagreedinthecontractorprovidedintheprecedingparagraph,thesuretyshallberelievedofthesuretyshipliability;wherethecreditorhasfiledalawsuitorappliedforarbitration,theprovisionsontheinterruptionofprescriptionshallapplytothetermofsuretyship.
Article26
Wherethesuretyofasuretyshipofjointandseveralliabilityandthecreditorhavenoagreementonthetermofsuretyship,thecreditorshall,withinsixmonthsfromthedateofmaturityoftheprincipaldebts,havetherighttodemandthatthesuretyundertakesuretyshipliability.Ifthecreditordoesnotdemandthatthesuretyundertakesuretyshipliabilityduringtheterm
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