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1、【Statute Title】 The Guarantee Law of the Peoples Republic of China Effective【法规标题】中华人民共和国担保法 现行有效Promulgation date:06-30-1995Effective date:10-01-1995Department:Standing Committee of the National Peoples CongressSubject:Civil Law,Contract发布日期：1995-06-30生效日期：1995-10-01发布部门：全国人大常委会类别：民法，合同THE GUARANTE
2、E LAW OF THE PEOPLES REPUBLIC OF CHINA(Adopted by the Standing Committee of the Eighth National Peoples Congress at the Fourteenth Session on June 30, 1995)中华人民共和国主席令（第五十号）中华人民共和国担保法已由中华人民共和国第八届全国人民代表大会常务委员会第十四次会议于年月日通过，现予公布，自年月日起施行。中华人民共和国主席江泽民年月日中华人民共和国担保法（年月日第八届全国人民代表大会常务委员会第十四次会议通过）目录第一章总则第二章保证第
3、一节保证和保证人第二节保证合同和保证方式第三节保证责任第三章抵押第一节抵押和抵押物第二节抵押合同和抵押物登记第三节抵押的效力第四节抵押权的实现第五节最高额抵押第四章质押第一节动产质押第二节权利质押第五章留置第六章定金第七章附则CHAPTER 1 GENERAL PROVISIONS第一章总则Article 1 This law has been formulated to promote the circulation of funds and commodities, ensure the realization of creditors rights and thus advance th
4、e development of the socialist market economy.第一条【立法目的】为促进资金融通和商品流通，保障债权的实现，发展社会主义市场经济，制定本法。Article 2 Act of guarantee can be established in accordance with this law whenever creditors require to safeguard the realization of their rights in such economic activities as debit and credit, selling and p
5、urchasing, commodities transport and contracted processing.The means of guarantee stipulated by this law are guarantee, mortgage, hypothecation, lien and deposits.第二条【适用范围及担保方式】在借贷、买卖、货物运输、加工承揽等经济活动中，债权人需要以担保方式保障其债权实现的，可以依照本法规定设定担保。本法规定的担保方式为保证、抵押、质押、留置和定金。Article 3 Acts of guarantee shall be conduc
6、ted under the principles of equality, voluntariness, fairness and mutual trust.第三条【担保活动基本原则】担保活动应当遵循平等、自愿、公平、诚实信用的原则。Article 4 In providing guarantee to a creditor for a debtor a third party may demand counter-guarantee from the debtor.This law also applies to counter-guarantee.第四条【反担保】第三人为债务人向债权人提供
7、担保时，可以要求债务人提供反担保。反担保适用本法担保的规定。Article 5 A guarantee contract should be subordinated to the principal contract. When the principal contract is nullified, the guarantee contract should also become invalid. Otherwise, should there be some arrangements stipulated in the guarantee contract, those arrange
8、ments shall be followed instead.After the nullification of the guarantee contract, mistakes, if any, of the debtor, guarantor or creditor, shall be affixed with due civil responsibilities.第五条【担保合同与主合同的关系以及担保合同无效后的法律后果】担保合同是主合同的从合同，主合同无效，担保合同无效。担保合同另有约定的，按照约定。担保合同被确认无效后，债务人、担保人、债权人有过错的，应当根据其过错各自承担相应的
9、民事责任。CHAPTER 2 GUARANTEE第二章保证SECTION 1 GUARANTEE AND GUARANTOR第一节保证和保证人Article 6 Guarantee referred to in this law means the acts of a guarantor to pay the debts or assume the responsibility under an agreement between the guarantor and the creditor, in case the debtor fails to pay the debts,第六条【保证的定
10、义】本法所称保证，是指保证人和债权人约定，当债务人不履行债务时，保证人按照约定履行债务或者承担责任的行为。Article 7 Legal persons, other organizations or citizens that have the capacity to pay off debts can act as guarantors.第七条【保证人的资格和范围】具有代为清偿债务能力的法人、其他组织或者公民，可以作保证人。Article 8 State organs cannot act as guarantors, except for sub-lending of loans fro
11、m foreign governments or international economic organizations.第八条【国家机关作为保证人的禁止与例外】国家机关不得为保证人，但经国务院批准为使用外国政府或者国际经济组织贷款进行转贷的除外。Article 9 Schools, kindergartens, hospitals and other institutions or social groups cannot act as guarantors.第九条【公益法人作为保证人的禁止】学校、幼儿园、医院等以公益为目的的事业单位、社会团体不得为保证人。Article 10 Branc
12、hes and functional departments of enterprise legal persons cannot act as guarantors.Branches of enterprise legal persons, with the legal persons written empowerment, can offer guarantee within the authorized areas.第十条【企业法人分支机构、职能部门作为保证人的禁止与例外】企业法人的分支机构、职能部门不得为保证人。企业法人的分支机构有法人书面授权的，可以在授权范围内提供保证。Artic
13、le 11 No units or individuals shall force financial institutions such as banks or enterprises to offer guarantee; banks and other financial institutions and enterprises have the right to refuse forced demands for guarantees.第十一条【强令提供担保的禁止】任何单位和个人不得强令银行等金融机构或者企业为他人提供保证；银行等金融机构或者企业对强令其为他人提供保证的行为，有权拒绝。
14、Article 12 If one debt has more than two guarantors, the guarantors shall share their responsibility of guarantee in accordance with the arrangements laid down in the guarantee contract. If there are no arrangements on the share of guarantee responsibility, the guarantors shall assume joint responsi
15、bility and the creditor can demand any one of the guarantors to pay the whole debt; and any of the guarantors has the obligation to pay the total of the debt. The guarantor who has paid the debt has the right to seek compensations from the debtor, or demand other guarantors who have joint responsibility to pay their share.第十二条【共同保证】同一债务有两个以上保证人的，保证人应当按照保证
