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独立担保合同是担保合同的一种全新的担保方式,具有独立性的本质特点,担保人与被担保债权人之间没有任何从属关系,而是单纯由担保人的特别承诺而成立。独立担保具有法律上的合理性和合法性,目前在我国一些对内、对外经济交往中得到了广泛应用。在实践中,独立担保往往存在权利滥用的问题,与我国目前的银行实务存在一定的冲突,因此存在较大的风险。文章对独立担保合同的法律实务问题进行探析,目的是在尊重当事人与银行之间合意的基础上寻求解决冲突的有效办法。
An independent guarantee contract is a brand new guarantee of a guarantee contract. It has the essential characteristic of independence. The guarantor has no affiliation with the secured creditor. It is merely established by the guarantor’s special commitment. The independent guarantee is legally reasonable and legitimate. At present, it has been widely used in some domestic and foreign economic exchanges in our country. In practice, there is often a problem of abuse of rights in independent guarantees, and there is a certain conflict with the current banking practice in our country. Therefore, there is a big risk. The article probes into the legal practice of independent guarantee contracts with the aim of finding an effective solution to the conflict based on the satisfactory agreement between the parties and the banks.