지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
초록· 키워드
오류제보하기
Guarantor means person who becomes secondarily liable for principal debtor's debt or performance according to a contract of suretyship concluded between the former and the latter when the latter does not discharge his/her liabilities. Accordingly, the guarantor, as a party of the contract of suretyship, is liable for the surety obligations of his/her free will. So not only should the guarantor fulfill the obligations but special protection of the guarantor is not appropriate to legal principles of contract. The principal reason is that a contract is an expression of principle of private autonomy and “pacta sunt servanda” in order to keep order of private transactions.
Nonetheless, if there is a justifiable and inevitable reason for special protection of the guarantor, he/she should be protected by legislation and in that case, the protection should be restricted to the minimum. Otherwise the contractual existence will be seriously threatened as well as contractual trust will not be maintained any longer. And also this is contrary to the principle of equity.
In general, most countries of the world regulate that a contract of suretyship should be drown up in written form and the intention of surety should be expressly declared. In particular, in case of continuing guarantee, debtor's financial conditions should be noticed to creditor in order that the guarantor may exercise his/her right to terminate the contract of suretyship.
In Korea, Special Act for Protection of Guarantor entered into force in September 22, 2008. This act includes clauses regarding guarantee method, offer of credit information of financial agencies, prohibition of unlawful collection, etc. for the purpose of prevention of the guarantor's economic and mental damage, who favorably became a guarantor without any benefits. However, I wonder that the small-loan finance itself cannot exist because standard amount of money for principal debt and excessive burden of financial agencies. Therefore, in my opinion, standard amount of money for principal debt should be more than a certain amount of many, and the burden of financial agencies should be properly reduced.
Nonetheless, if there is a justifiable and inevitable reason for special protection of the guarantor, he/she should be protected by legislation and in that case, the protection should be restricted to the minimum. Otherwise the contractual existence will be seriously threatened as well as contractual trust will not be maintained any longer. And also this is contrary to the principle of equity.
In general, most countries of the world regulate that a contract of suretyship should be drown up in written form and the intention of surety should be expressly declared. In particular, in case of continuing guarantee, debtor's financial conditions should be noticed to creditor in order that the guarantor may exercise his/her right to terminate the contract of suretyship.
In Korea, Special Act for Protection of Guarantor entered into force in September 22, 2008. This act includes clauses regarding guarantee method, offer of credit information of financial agencies, prohibition of unlawful collection, etc. for the purpose of prevention of the guarantor's economic and mental damage, who favorably became a guarantor without any benefits. However, I wonder that the small-loan finance itself cannot exist because standard amount of money for principal debt and excessive burden of financial agencies. Therefore, in my opinion, standard amount of money for principal debt should be more than a certain amount of many, and the burden of financial agencies should be properly reduced.
#보증인
#보증채무
#보증인보호
#민법
#특별법
#역기능
#문제점
#문제점개선
#보증의사
#신용정보
#Contract of Suretyship
#Credit Information
#Guarantor
#Intention of Surety
#Principle of Equity
#Principle of Private Autonomy
#Protection of Guarantor
#Small-Loan Finance
#Special Act for Protection of Guarantor
#Surety Obligations
#Suretyship
목차
Ⅰ. 論議의 所在
Ⅱ. 保證人보호에 관한 見解
Ⅲ. 外國의 立法例
Ⅳ. 保證人보호에 관한 우리의 法的現況
Ⅴ. 結論
참고문헌
Abstract
참고문헌 (23)
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UCI(KEPA) : I410-ECN-0101-2013-360-000473074