本文选择银行具体业务经办人员经常遇到的六个典型法律问题进行答疑解惑在日常工作中,银行具体业务的经办人员经常会向笔者提出他们心中的法律困惑,现选择六个比较典型的法律问题予以解答,并供同业参考。借款合同、担保合同等是否必须公证借款合同及担保合同等不仅不是必须公证,甚至可以说公证是不必要的。具体理由及依据如下:首先,没有任何法律、法规及部门规章规定借款合同及担保合同必须公证。其次,没有任何法律规定该等合同必须公证才生效。合同的生效条件由法律规定或者由合同各方当事人约定,在符合法定条件或者 In this article, we choose the six typical legal problems often encountered by bank-specific business managers to answer Q & A. In their daily work, bank-specific business managers often ask the author their legal puzzles, and now choose six typical The legal issues to be answered, and for the industry reference. Whether a loan contract, a guarantee contract, etc. must be notarized Not only is it not necessary to be notarized for a loan contract or guarantee contract, it can even be said that notarization is unnecessary. Specific reasons and basis are as follows: First of all, there are no laws, regulations and departmental rules that loan contracts and guarantee contracts must be notarized. Second, there is no law that requires the contracts to be notarized to take effect. The conditions of entry into force of the contract by the law or by the parties to the contract agreement, in line with the statutory conditions or