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银行应避免在担保合同中将独立性条款作为格式合同的组成部分广泛使用,更不可因设立了独立性条款而放松对主合同效力的审查近年来,国内商业银行的担保合同中仍然普遍存在着独立性条款的约定,而对独立性条款的法律效力,合同法、担保法、物权法的规定不尽相同。如何避免认识误区,规范操作行为,保障银行信贷资产安全,值得思考和探讨。惨痛的教训2010年12月,某服饰公司向某农商行申请开立银行承兑汇票,敞口部分由某进出口公司以及自然人黄某提供保证担保。在农商行与进出口公
Banks should avoid using the clause of independence as part of the format contract in the guarantee contract, and should not relax the review of the effectiveness of the main contract due to the independence clause. In recent years, the guarantee contract of domestic commercial banks still exists unceasingly Independence of the terms of the agreement, while the independence of the legal validity of the provisions of the contract law, security law, property law are not the same. How to avoid misunderstanding, standardize operational behavior and ensure the safety of bank credit assets are worth considering and discussing. Bitter lesson December 2010, a clothing company to apply for a rural commercial bank to open a bank acceptance, the exposure of some import and export companies and natural persons to provide a guarantee Hwang. In the rural commercial banks and import and export of public