| dc.description.abstract | 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.
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