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在商事交易活动中,担保机制对于保护债权人利益、维护交易安全起着重要作用。但我国在立法上仍坚持民商合一,未给予商事担保特别的关注;在处理企业间担保问题时便呈现出民法与商法理念间的强烈冲突。通过设立商事担保的概念,可以实现民事担保与商事担保的适度分离,建立与另外的制度体系。进而在责任划分上也进行各具特色的处理,保证中小企业融资的方便与快捷。
In commercial transactions, the guarantee mechanism plays an important role in protecting the interests of creditors and safeguarding the transaction security. However, our country still persists in the legislation of both the people and the business, and does not give special attention to the commercial guarantee. When dealing with the issue of the inter-firm guarantee, it presents a strong conflict between the concepts of civil law and commercial law. By establishing the concept of commercial guarantee, we can achieve a proper separation between civil guarantee and commercial guarantee, and set up and other system. Furthermore, we also carry out distinctive handling on the division of responsibilities so as to ensure the convenience and speed of financing for SMEs.