1、1【Statute Title】 The Guarantee Law of the Peoples Republic of China Effective【法规标题】中华人民共和国担保法 现行有效Promulgation date: 06-30-1995Effective date: 10-01-1995Department: Standing Committee of the National Peoples CongressSubject: Civil Law,Contract发布日期： 1995-06-30生效日期： 1995-10-01发布部门： 全国人大常委会类别： 民法，合同THE
2、 GUARANTEE LAW OF THE PEOPLES REPUBLIC OF CHINA(Adopted by the Standing Committee of the Eighth National Peoples Congress at the Fourteenth Session on June 30, 1995)中华人民共和国主席令（第五十号）中华人民共和国担保法已由中华人民共和国第八届全国人民代表大会常务委员会第十四次会议于年月日通过，现予公布，自年月日起施行。中华人民共和国主席 江泽民年月日中华人民共和国担保法（年月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）目录第
3、一章 总则第二章 保证第一节 保证和保证人第二节 保证合同和保证方式第三节 保证责任第三章 抵押第一节 抵押和抵押物第二节 抵押合同和抵押物登记第三节 抵押的效力第四节 抵押权的实现第五节 最高额抵押第四章 质押第一节 动产质押第二节 权利质押第五章 留置第六章 定金第七章 附则2CHAPTER 1 GENERAL PROVISIONS 第一章 总则Article 1 This law has been formulated to promote the circulation of funds and commodities, ensure the realization of credit
4、ors rights and thus advance the development of the socialist market economy.第一条 【立法目的】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。Article 2 Act of guarantee can be established in accordance with this law whenever creditors require to safeguard the realization of their rights in such economic activities as
5、debit and credit, selling and purchasing, commodities transport and contracted processing.The means of guarantee stipulated by this law are guarantee, mortgage, hypothecation, lien and deposits.第二条 【适用范围及担保方式】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、留置和定金。Article 3 A
6、cts of guarantee shall be conducted under the principles of equality, voluntariness, fairness and mutual trust. 第三条 【担保活动基本原则】担保活动应当遵循平等、自愿、公平、诚实信用的原则。Article 4 In providing guarantee to a creditor for a debtor a third party may demand counter-guarantee from the debtor.This law also applies to count
7、er-guarantee. 第四条 【反担保】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。Article 5 A guarantee contract should be subordinated to the principal contract. When the principal contract is nullified, the guarantee contract should also become invalid. Otherwise, should there be some arrangements stipulated in t
8、he guarantee contract, those arrangements shall be followed instead.After the nullification of the guarantee contract, mistakes, if any, of the debtor, guarantor or creditor, shall be affixed with due civil responsibilities.第五条 【担保合同与主合同的关系以及担保合同无效后的法律后果】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
9、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。CHAPTER 2 GUARANTEE 第二章 保证SECTION 1 GUARANTEE AND GUARANTOR 第一节 保证和保证人Article 6 Guarantee referred to in this law means the acts of a guarantor to pay the debts or assume the responsibility under an agreement between the guarantor and the creditor, in case t
10、he debtor fails to pay the debts,第六条 【保证的定义】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。Article 7 Legal persons, other organizations or citizens that have the capacity to pay off debts can act as guarantors. 第七条 【保证人的资格和范围】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。Article 8 State organs cannot act as gua
11、rantors, except for sub-lending of loans from foreign governments or international economic 第八条 【国家机关作为保证人的禁止与例外】国家机关不得为保证人，但经3organizations. 国务院批准为使用外国政府或者国际经济组织贷款进行转贷的除外。Article 9 Schools, kindergartens, hospitals and other institutions or social groups cannot act as guarantors. 第九条 【公益法人作为保证人的禁止】
12、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。Article 10 Branches and functional departments of enterprise legal persons cannot act as guarantors.Branches of enterprise legal persons, with the legal persons written empowerment, can offer guarantee within the authorized areas.第十条 【企业法人分支机构、职能部门作为保证人的禁止与例外】企业法人的分支
13、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。Article 11 No units or individuals shall force financial institutions such as banks or enterprises to offer guarantee; banks and other financial institutions and enterprises have the right to refuse forced demands for guarantees.第十一条 【强令提供担保的禁止】任何单位和个人不得强
14、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。Article 12 If one debt has more than two guarantors, the guarantors shall share their responsibility of guarantee in accordance with the arrangements laid down in the guarantee contract. If there are no arrangements on the share of guarantee respons
15、ibility, the guarantors shall assume joint responsibility and the creditor can demand any one of the guarantors to pay the whole debt; and any of the guarantors has the obligation to pay the total of the debt. The guarantor who has paid the debt has the right to seek compensations from the debtor, o
16、r demand other guarantors who have joint responsibility to pay their share.第十二条 【共同保证】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。SECTION 2 GUARANTEE CONTRACT AND MODES OF GUARANTEE 第二节 保证合同和保证方
17、式Article 13 A guarantor and the creditor shall enter into a written guarantee contract. 第十三条 【保证合同的订立】保证人与债权人应当以书面形式订立保证合同。Article 14 A guarantor and the creditor may enter into separate guarantee contracts for a specific principal contract. They can also make a guarantee contract that sets a maximu
18、m amount and covers several loans contracts during a certain period, or covers certain commodity transactions.第十四条 【一时保证与最高额保证】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。Article 15 The guarantee contract shall include the following information:1. The categories and sums o
19、f the principal creditors rights guaranteed;2. The deadline for the debtor to pay the debt;3. The mode of guarantee;第十五条 【保证合同的内容】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；44. The range covered by the guarantee;5. The duration of the guarantee;6. Other information deemed necessary by the signatorie
20、s.Guarantee contracts that do not fully comply with the requirements set in the previous paragraph may be revised.（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。Article 16 There are two modalities of guarantee:1. Ordinary guarantee;2. Joint responsibility guarantee. 第十六条 【保证的方式】
21、保证的方式有：（一）一般保证；（二）连带责任保证。Article 17 Ordinary guarantee refers to the arrangement in the guarantee contract that the guarantor assumes guarantee responsibility when the debtor fails to pay the debt.A guarantor under the arrangements of ordinary guarantee may refuse the creditors demand of assuming gu
22、arantee responsibilities before the principal contract undergoes judicial or arbitrary procedures and that the debtor remains incapable of paying the debt despite mandatory implementation against his properties.A guarantor cannot exercise the rights laid down in the previous section in one of the fo
23、llowing occasions:1. The debtor changes its residence, resulting to major difficulty for the creditor to request the debtor to pay the debt;2. The implementation procedure is suspended when the peoples court accept and hear the debtors bankruptcy case;3. The guarantor gives up the responsibilities l
24、aid down in the previous paragraph through means of a written document.第十七条 【一般保证及先诉抗辩权】当事人在保证合同中约定，债务人不能履行债务时，由保证人承担保证责任的，为一般保证。一般保证的保证人在主合同纠纷未经审判或者仲裁，并就债务人财产依法强制执行仍不能履行债务前，对债权人可以拒绝承担保证责任。有下列情形之一的，保证人不得行使前款规定的权利：（一）债务人住所变更，致使债权人要求其履行债务发生重大困难的；（二）人民法院受理债务人破产案件，中止执行程序的；（三）保证人以书面形式放弃前款规定的权利的。Article 1
25、8 Joint responsibility guarantee refers to the arrangements laid down in the guarantor contract that the guarantor and the debtor assume joint responsibility over the debts.When the deadline as set on the principal contract is passed and the debtor with joint guarantee responsibilities fails to pay
26、the debts, the creditor may demand the debtor to pay the debts or demand the guarantor to assume guarantee responsibilities within the range set in the contract.第十八条 【连带责任保证】当事人在保证合同中约定保证人与债务人对债务承担连带责任的，为连带责任保证。连带责任保证的债务人在主合同规定的债务履行期届满没有履行债务的，债权人可以要求债务人履行债务，也可以要求保证人在其保证范围内承担保证责任。Article 19 When ther
27、e is no arrangement or there is unclear arrangement on the modality of guarantee, the debtor and the guarantor shall assume joint guarantee responsibility. 第十九条 【保证方式没有约定或约定不明的推定】当事人对保证方式没有约定或者约定不明确的，按照连带责任保证承担保证责任。Article 20 A guarantor involved in either ordinary guarantee or joint 第二十条 【保证人的一般抗辩权
28、】5responsibility guarantee has the right of counterplea. The guarantor still has the right to counterplea even if the debtor gives up the right to counterplea.The right to counterplea refers to the debtors right to counter creditors right to request according to statutory particulars of the matter,
29、when the latter exercises its creditors rights.一般保证和连带责任保证的保证人享有债务人的抗辩权。债务人放弃对债务的抗辩权的，保证人仍有权抗辩。抗辩权是指债权人行使债权时，债务人根据法定事由，对抗债权人行使请求权的权利。SECTION 3 GUARANTEE RESPONSIBILITIES 第三节 保证责任Article 21 The range of guarantee includes the principal debts and their interest, default fine, damage awards and expense
30、 for the realization of the creditors rights. Should there be other arrangements in the guarantee contract, those arrangements shall be followed instead.If there is no arrangement or there is unclear arrangement on the range of guarantee, the guarantor shall assume full responsibility over the total
31、 debts.第二十一条 【保证范围】保证担保的范围包括主债权及利息、违约金、损害赔偿金和实现债权的费用。保证合同另有约定的，按照约定。当事人对保证担保的范围没有约定或者约定不明确的，保证人应当对全部债务承担责任。Article 22 During the period of the guarantee, when the creditor transfers the principal creditors rights to a third party according to legal procedures, the guarantor shall continue to assume
32、guarantee responsibilities over the range as set under the original guarantee contract. Should there be other arrangements set in the contract, those arrangements shall be followed instead.第二十二条 【债权让与对保证责任的影响】保证期间，债权人依法将主债权转让给第三人的，保证人在原保证担保的范围内继续承担保证责任。保证合同另有约定的，按照约定。Article 23 During the duration o
33、f the guarantee, when the debtor, with the approval of the creditor, transfers the debt, the transfer shall require a written approval from the guarantor. The guarantor assumes no more guarantee responsibilities over debts transferred without its approval.第二十三条 【债务承担对保证责任的影响】保证期间，债权人许可债务人转让债务的，应当取得保
34、证人书面同意，保证人对未经其同意转让的债务，不再承担保证责任。Article 24 When the creditor and the debtor changes the principal contract, they shall have beforehand the written approval from the guarantor. The guarantor assumes no more guarantee responsibilities if the change is made without its approval. If there are other arran
35、gements in the guarantee contract, those arrangements shall be followed instead.第二十四条 【债的变更对保证责任的影响】债权人与债务人协议变更主合同的，应当取得保证人书面同意，未经保证人书面同意的，保证人不再承担保证责任。保证合同另有约定的，按照约定。Article 25 For ordinary guarantee activities without arrangements on the duration of the guarantee, the duration shall be six months f
36、ollowing the date of the expiration of the principal debts.During the duration as set in the guarantee contract or that described in the previous paragraph, if the creditor fails to file litigation or arbitration requests, the guarantor shall be exempt from guarantee responsibilities; if the credito
37、r has filed litigation or arbitration requests, the duration of guarantee follows the procedures on suspension prescribed period for litigation.第二十五条 【一般保证的保证期间】一般保证的保证人与债权人未约定保证期间的，保证期间为主债务履行期届满之日起六个月。在合同约定的保证期间和前款规定的保证期间，债权人未对债务人提起诉讼或者申请仲裁的，保证人免除保证责任；债权人已提起诉讼或者申请仲裁的，保证期间适用诉讼时效中断的规定。6Article 26 If
38、no arrangements on the duration of guarantee are made between the creditor and the guarantor with joint guarantee responsibilities, the creditor has the right to request the guarantor to assume the guarantor right during the six months since the end of the execution period of the principal debt.Duri
39、ng the period of the guarantee and the period as stated in the previous paragraph, if the creditor fails to request the guarantor to assume guarantee responsibilities, the guarantor can be exempt from guarantee responsibilities.第二十六条 【连带责任的保证期间】连带责任保证的保证人与债权人未约定保证期间的，债权人有权自主债务履行期届满之日起六个月内要求保证人承担保证责任
40、。在合同约定的保证期间和前款规定的保证期间，债权人未要求保证人承担保证责任的，保证人免除保证责任。Article 27 If the guarantor guarantees several consecutive debts, as described in Article 14 of the this law, and there are no arrangements on the duration of guarantee, the guarantor may notify the creditor of the termination of the guarantor contrac
41、t through means of a written document at any time, but the guarantor has to assume guarantee responsibilities over the creditors rights incurred before the time when the creditor receives the written notification.第二十七条 【最高额保证的保证期间】保证人依照本法第十四条规定就连续发生的债权作保证，未约定保证期间的，保证人可以随时书面通知债权人终止保证合同，但保证人对于通知到债权人前所
42、发生的债权，承担保证责任。Article 28 If the same creditors rights has both guarantee and real security, the guarantor assumes guarantee responsibilities over the creditors right other than guaranteed by real security.If a creditor gives up the real security, the guarantor will be exempt from the guarantor rights
43、 over the rights that the creditor gives up.第二十八条 【保证担保与物的担保并存时保证责任的承担】同一债权既有保证又有物的担保的，保证人对物的担保以外的债权承担保证责任。债权人放弃物的担保的，保证人在债权人放弃权利的范围内免除保证责任。Article 29 If the branches of enterprise legal persons enter into guarantee contracts without the written empowerment of the enterprise legal person concerned o
44、r exceeding the empowerment of the enterprise legal person, the guarantee contract or those parts of the guarantee contract that exceed the empowerment shall be nullified. If both the creditor and the enterprise legal person commit mistakes, they shall assume due civil responsibilities in accordance
45、 with their mistakes; if the creditor makes no mistakes, the enterprise legal person shall assume civil responsibilities.第二十九条 【企业法人的分支机构订立的无效保证合同的处理】企业法人的分支机构未经法人书面授权或者超出授权范围与债权人订立保证合同的，该合同无效或者超出授权范围的部分无效，债权人和企业法人有过错的，应当根据其过错各自承担相应的民事责任；债权人无过错的，由企业法人承担民事责任。Article 30 A guarantor assumes no civil re
46、sponsibilities in the following two occasions:1. The parties to the principal contract collaborate to cheat the guarantor into giving guarantees;2. The creditor of the principal contract, through means such as fraud and coercion, prompts the guarantor to give guarantee in violation of the true condi
47、tions.第三十条 【保证责任的免除】有下列情形之一的，保证人不承担民事责任：（一）主合同当事人双方串通，骗取保证人提供保证的；（二）主合同债权人采取欺诈、胁迫等手段，使保证人在违背真实意思的情况下提供保证的。Article 31 The guarantor, after assuming the guarantee responsibilities, is entitled to seek recompensation. 第三十一条 【保证人的追偿权】保证人承担保证责任后，有权向债务人追偿。7Article 32 When a peoples court accepts and liste
48、ns to the debtors bankruptcy case, if the creditor fails to submit its creditors rights, the guarantor may participate in the distribution of the bankrupt properties and exercise the right of being recompensated in advance.第三十二条 【保证人追偿权的预先行使】人民法院受理债务人破产案件后，债权人未申报债权的，保证人可以参加破产财产分配，预先行使追偿权。CHAPTER 3 M
49、ORTGAGE 第三章 抵押SECTION 1 MORTGAGE AND OBJECTS OF PLEDGE 第一节 抵押和抵押物Article 33 The mortgage described in this law refers to the act of the debtor, or the third party, who, without transferring the ownership of the properties as listed in Article 34 of this law, sets those properties as guarantee to the creditors rights. When the debtor fails to pay the debt, the creditor has the right to get compensation, in accordance with the stipulations of this law, by converting the properties into money or seek preferential payments
