在商品經濟日益發達的背景下，個人之經濟活動規模不斷膨脹，故而隨著商品經濟的快速發展，確保交易安全的要求將與時俱進地不斷增強，債權人為確保債權於屆清償期時能夠順利收回其債權，皆會要求債務人提供「保證」或稱「擔保」。所謂「保證」或「擔保」，即「負責」之意，為使債權獲得清償，故而可謂擔保制度在市場經濟體制中，實為左右市場資金流量的主軸。 本文以「銀行保證制度」為研究主題，除將現行民法條文與實務之要件作了完整闡述之外，更基於作者本人現正任職於銀行貸款部門之實務經驗，以銀行之商業利益考量為出發，由「現行銀行所採取之保證制度」之法理根據及實務操作面為出發，分析「連帶保證契約」「人保」與「物保」間的效力優劣、「最高限額抵押權」或「人事保證契約」甚至其他特別民法諸如公司法、破產法和銀行法上的法制與實務之案例以及新法修正之梗概，以提供予往後研究者參考。 Under the background of the individual's ever-expanding scale of economic activity, an increasingly well-developed commodity economy and therefore with the commodity's rapid economic development, to ensure transaction security requirements will be times and growing, the creditor claims of the session to ensure that the liquidation period able to successfully recover their claims when, all will require the debtor to provide "guarantees". The so-called "guarantee" or "guarantee" or "responsible" means, in order to obtain settlement of claims, therefore can be described as a security system in the market economy system, in fact, the market capital flows around the spindle. In this paper, "a bank guarantee system" for the research topic, in addition to the existing civil law provisions and practice made a complete set of elements, it is more based on the author is now working in the department of practical experience in bank loans, the bank's commercial interests to consider as a starting from "the current system of bank guarantee taken by the" legal basis and the practical operation of the starting surface, analysis of "joint guarantee contract" "human security" and "material guarantee" effect between the pros and cons, "the maximum mortgage" or "personnel surety bond "or other special civil law such as corporate and bankruptcy law and banking law and practice of law on the case and the outline of the new law amended to provide a reference for future researchers.
