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保证是保证人向债权人担保债务人履行债务,当债务人不履行债务时,债权人有权向保证人请求履行或赔偿损失.保证制度的宗旨是促进债务的履行和债权的实现.我国民法通则第89条第1款对保证制度做了相应的规定,从中可以看出,当债务人不履行债务时,由保证人代为履行或者承担连带责任.这一规定固然充分保护了债权人的利益,但在以权利为本位的社会主义市场经济体制下,也日益显出它的不适应性,主要表现在:
Guarantee is the guarantor to the debtor to guarantee the debtor to perform the debt, when the debtor fails to perform the debt, the creditor has the right to request to the guarantor to fulfill or compensate the loss.The purpose of the guaranty system is to promote the performance of debt and claims.Civil law of our country Article 89, paragraph 1 As for the guarantee system, it can be seen that when the debtor defaults, the guarantor shall perform or bear the joint liability on his behalf. Although this provision fully protects the interests of the creditors, in the socialist rights-based market Under the economic system, it also increasingly shows its inadaptability, mainly manifested in: