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中华人民共和国担保法SecurityLawofthePeople’sRepublicofChina发文机关：全国人民代表大会常务委员会发布日期：1995.06.30生效日期：1995.10.01时效性：现行有效文号：主席令第五十号PromulgatingAgency:StandingCommitteeoftheNationalPeople'sCongressPublishedDate:1995.06.30EffectiveDate:1995.10.01ValidityStatus:valid中华人民共和国担保法主席令第五十号1995年6月30日第八届全国人民代表大会常务委员会第十四次会议通过，1995年6月30日中华人民共和国主席令第50号公布SecurityLawofthePeople’sRepublicofChinaAdopted30June1995bytheFourteenthSessionoftheStandingCommitteeoftheEighthNationalPeople’sCongress第一章总则CHAPTERI—GENERALPRINCIPLES第一条为促进资金融通和商品流通，保障债权的实现，发展社会主义市场经济，制定本法。Article1.ThisLawisformulatedinordertopromotetheaccommodationoffundsandcirculationofcommoditiessoastoensurethesatisfactionofcreditors’claimsaswellastoadvancethedevelopmentofthesocialistmarketeconomy.第二条在借贷、买卖、货物运输、加工承揽等经济活动中，债权人需要以担保方式保障其债权实现的，可以依照本法规定设定担保。本法规定的担保方式为保证、抵押、质押、留置和Article2.Ineconomicactivitiessuchasfinancialandcommercialtransactions,transportationofgoodsandcontractedprocessing,ifacreditorrequiresthatthesatisfactionofhis/herclaimbeensuredbymeansofasecurity,he/shemaymakeuseofasecurityinaccordancewiththeprovisionsoftheLaw.定金。Guarantees,mortgages,pledgesandliensshallallbesecuritiesforthepurposesofthisLaw.第三条担保活动应当遵循平等、自愿、公平、诚实信用的原则。Article3.Securitiesshallbeundertakenincompliancewiththeprinciplesofequality,voluntariness,fairness,honestyandmutualtrust.第四条第三人为债务人向债权人提供担保时，可以要求债务人提供反担保。反担保适用本法担保的规定。Article4.Athirdpartywhoprovidessecuritytoacreditoronbehalfofadebtormayrequestthatthedebtorprovidecounter-security.ThestipulationsofthisActshallalsoapplytocounter-securities.第五条担保合同是主合同的从合同，主合同无效，担保合同无效。担保合同另有约定的，按照约定。担保合同被确认无效后，债务人、担保人、债权人有过错的，应当根据其过错各自承担相应的民事责任。Article5.Asecuritycontractisanancillarycontracttotheprincipalcontract.Iftheprincipalcontractisvoid,thesecuritycontractisthereuponvoid.Wherethesecuritycontractstipulatesotherwise,thosestipulationsshallbecompliedwith.Ifasecuritycontractisconfirmedtobevoidandthedebtor,creditororpersonprovidingthesecurityisatfault,thatpersonshallbecivillyliableinproportiontohis/herfault.第二章保证CHAPTERII—GUARANTEE第一节保证和保证人Section1—GuaranteeandGuarantor第六条本法所称保证，是指保证人和债权人约定，当债务人不履行债务时，保证人按照约定履行债务或者承担责任的行为。Article6.ForthepurposesoftheLaw,thetermguaranteeshallrefertotheactofaguarantor,pursuanttoanagreementbetweentheguarantorandthecreditor,inperformingtheobligationsoforbearingliabilityforadebtorwhenthatdebtorfailstoperformhis/herobligations.第七条具有代为清偿债务能力的法人、其他组织或者公民，可以作保证人。Article7.Corporations,otherorganisationsorcitizenswhoareabletoperformtheobligationsofthedebtorinarepresentativecapacitymayactasguarantors.第八条国家机关不得为保证人，但经国务院批准为使用外国Article8.Stateorgansshallnotactasguarantors,exceptwhereloansfromforeigngovernmentsor政府或者国际经济组织贷款进行转贷的除外。internationaleconomicorganisationsareusedintheformofasub-loanwiththeapprovaloftheStateCouncil.第九条学校、幼儿园、医院等以公益为目的的事业单位、社会团体不得为保证人。Article9.Non-profitinstitutionsandsocialwelfareorganisations,suchasschools,kindergartensandhospitals,shallnotactasguarantors.第十条企业法人的分支机构、职能部门不得为保证人。企业法人的分支机构有法人书面授权的，可以在授权范围内提供保证。Article10.Branchorganisationsandfunctionaldepartmentsofenterprisecorporationsshallnotactasguarantors.Branchorganisationsofenterprisecorporationsmay,withwrittenauthorisationfromtheparentcorporation,provideaguaranteewithinthescopeoftheauthorisation.第十一条任何单位和个人不得强令银行等金融机构或者企业为他人提供保证；银行等金融机构或者企业对强令其为他人提供保证的行为，有权拒绝。Article11.Noorganisationorindividualshallcoerceanenterpriseorafinancialinstitutionsuchasabanktoprovideaguaranteeforanyparty.Thefinancialinstitutionorenterprisehastherighttorefusesuchcoercion.第十二条同一债务有两个以上保证人的，保证人应当按照保证合同约定的保证份额，承担保证责任。没有约定保证份额的，保证人承担连带责任，债权人可以要求任何一个保证人承担全部保证责任，保证人都负有担保全部债权实现的义务。已经承担保证责任的保证人，有权向债务人追偿，或者要求承担连带责任的其他保证人清偿其应当承担的份额。Article12.Iftherearemorethantwoguarantorsforonedebt,theguarantorsshallshareliabilityinaccordancewiththeamountsagreedintheguaranteecontract.Ifthereisnostipulationinthecontractastotheamountofeachguarantor’sliability,theguarantorsshallassumejointliability.Thecreditormaydemandthatoneoftheguarantorsassumefullguaranteeliabilityandinthatcaseanyoneoftheguarantorsmaybeliabletobeartheobligationtodoso.Theguarantorwhohasassumedtheguaranteeliabilityisentitledtoseekcompensationfromthedebtorordemandotherguarantorswithwhomhe/shesharesjointliabilitytopaytheirshareofcompensation.第二节保证合同和保证方式Section2—GuaranteeContractandMethodsofGuarantee第十三条保证人与债权人应当Article13.Aguarantorandthecreditorshall以书面形式订立保证合同。enterintoaguaranteecontractinwriting.第十四条保证人与债权人可以就单个主合同分别订立保证合同，也可以协议在最高债权额限度内就一定期间连续发生的借款合同或者某项商品交易合同订立一个保证合同。Article14.Aguarantorandthecreditormayenteraseparateguaranteecontractforeachindividualprincipalcontract,ornegotiateasingleguaranteecontractwhichcoversconsecutiveloancontractswithinacertaintimeperiodorforcertaincommoditytransactionsandwhichislimitedtoamaximumdebtamount.第十五条保证合同应当包括以下内容：（一）被保证的主债权种类、数额；（二）债务人履行债务的期限；（三）保证的方式；（四）保证担保的范围；（五）保证的期间；（六）双方认为需要约定的其他事项。保证合同不完全具备前款规定内容的，可以补正。Article15.Aguaranteecontractshallincludethefollowinginformation:(1)thetypeandamountoftheprincipaldebtguaranteed;(2)thetimelimitforthedebtortodischargethedebt;(3)themethodofguarantee;(4)thescopeoftheguarantee;(5)t