商户联保信贷是通过强调商户的保证来保障邮储银行债权的实现。而商户承担保证责任,是以在保证期间内债权人(邮储银行)以法律允许的主张保证权利方式为条件,其目的和效果在于延续保证责任,确保保证债权不因保证期间的届满而消灭。但是,如何理解保证期间,如何有效主张保证权利,如何区分保证期间与保证债务诉讼时效的关系,在实践中还存在对《担保法》相关法 Merchants UNPROFOR credit guarantees the realization of the claims of the Postal Savings Bank by emphasizing the assurance of the merchants. However, the undertaking of undertaking guarantee liability is based on the assumption that the obligee (Postal Savings Bank) guarantees the right by the law within the guarantee period with the purpose and effect of extending the guarantee liability and ensuring that the guarantee creditor’s rights are not extinguished due to the expiration of the guarantee period. However, how to understand the guarantee period, how to effectively claim the right to guarantee, how to distinguish between the guarantee period and the validity of the debt-liability litigation, in practice there are still “guarantee law” related law