《商业银行法》第三条第十一项明确规定商业银行可以“提供信用证服务及担保”业务。而目前商业银行一般也只发放担保贷款。因此,商业银行经常都要签订担保协议而成为担保合同的当事人,或为担保权人(如在担保贷款中),或为担保债务人(如在保兑业务、保函业务中)。当担保合同有效 Article 11 of Article 3 of the Commercial Bank Law clearly stipulates that a commercial bank may provide a “letter of credit service and guarantee” business. At present, commercial banks generally only issue guaranteed loans. Therefore, commercial banks often have to sign a security agreement to become a party to the security contract, either as a security right (as in a secured loan) or as a secured debtor (in the case of a confirming or guaranteeing business, for example). When the guarantee contract is valid