反担保

第二，设置合理的反担保机制。

Second , set up reasonable counter guarantee mechanism .

信用担保机构只是将放贷机构的风险转移，但本身无法消除面临的担保风险，通常要进行抵押的反担保或再担保。

Credit guarantee agencies only transfer the risk but cannot remove the risk by itself . Removing risk usually need the counter guarantee or re-guarantee .

反担保与担保的关系探讨

Exploration of the Relationship between Guarantee and Anti - Guarantee

除非另有说明，所有的保函及反担保函均不可撤销。

All Guarantees and counter-guarantees are irrevocable unless otherwise indicated .

反担保适用本法担保的规定。

The provisions on guaranty in this Law shall apply to the counter-guaranty .

论我国担保业中的反担保

About Counter - Guarantee in China Guarantee Business

同时应加强反担保的运用并完善专业担保公司的制度建设。

We should promote the use of anti-guarantee method and build up professional guarantee also .

反担保法律问题试析

Analysis of anti - guarantee law

再次，提出担保项目风险管理的一般措施，包括内控制度的建立、反担保的管理、担保代偿与追偿的管理。

Thirdly the proposed control measures of the risk management , including the establishment of the system and management .

缺乏威胁意识可以导致网络不能充分反担保所面临的威胁。

A lack of threat awareness can lead to a network not adequately secured against the threats facing it .

商业贷款担保的一个重要特点是，借款人需要把反担保贷款。

An important feature of commercial secured loans is that the borrower needs to put a security against the loan .

甚至有些担保机构不重视反担保的设定，把它当着一种形式。

And even some security agencies do not take the anti-security settings , in the presence of a form of it .

阐述了担保和反担保的基本概念，反担保的种类以及落实反担保措施的对策。

This article described basic conception of guarantee and counter-guarantee . The kinds and some workable measures of counter-guarantee are also presented .

和北京，上海和其他城市，在广东地区的抵押贷款银行一直采用“反担保”制度。

And Beijing , Shanghai and other cities , in the Canton area mortgage bank has been using a " counter-guarantee " system .

但是基于某些原因，学术界几乎无一例外地认为反担保与担保之间是种属关系。

By some reasons , most of people in legal academy consider the guarantee and the anti-guarantee as the relation of category and predictability .

反担保制度存在的问题以及对完善反担保制度的具体建议是本文的主体内容。

As well as the problems and obstacles of counter-guarantee system , specific recommendations to improve it are the body content of this article .

第二节是担保人面临的风险，包括来自申请人、受益人、保函条款和反担保的风险等。

Section two expounds the risks to which the guarantor is exposed , including risks from applicants , beneficiaries , guarantee provisions and counter-guarantee , etc.

不同风险类型的企业，其担保费率对反担保措施价值的边际替代率不同。

The different risk types of SMEs have the different marginal rate of substitution between guarantee rate and the value of counter-security measures . 3 .

反担保制度具有安全、公平、秩序、效率、法制五方面的价值，其中安全价值是最基本、最重要的价值。

The counter-guarantee has the value of security , justice , order , efficiency , and legality , in which security is the most fundamental value .

通过对反担保措施的定性分析进行合理的风险评价，适应反担保设置的灵活性和充分体现担保对中小企业的扶持作用。

It should adapt flexibility of anti-guarantee setup and embody its supporting function for enterprises through qualitative analysis of anti-guarantee and estimation of risk with reason .

探讨了反担保的捉供、数额、时间等问题，笔者认为法律应当明晰反担保提供的原则或条件，数额利时间的确定应当既合理又有效率；

The writer think the law must statue the principle and conditions of tendering guarantee , then the amount and time must be determine reasonably and rapidly .

然后用三个本人实际操作的担保项目来说明，如何在实际中设定反担保、依据是什么、怎么设定。

I then used three actual operation of the three security projects to illustrate how to set the actual counter-guarantee , based on what is , how set .

上市公司对外担保必须要求对方提供反担保，且反担保的提供方应当具有实际承担能力。

A listed company providing guaranty to any other party must demand the other party to provide counter-guaranty , and the provider of the counter-guaranty shall have actual capacity to bear it .

担保行为经常发生在担保行为的运用中往往伴随着高风险，在社会需求强烈的情况下反担保制度应运而生。

Guarantee behavior often occurs in the use of the guarantee behavior is often accompanied by high risk , in the case of social needs strong counter guarantee system arises at the historic moment .

反担保是担保的一种在商品经济以及中小企业借贷的运用中已经比较频繁，对社会经济的发展有重要的推动作用。

Counter guarantee is a guarantee of a commodity economy as well as the application of lending to small and medium-sized enterprises have more frequently , have important role on the development of social economy .

直接融资上，中小企业难以达到进入资本市场的门槛；间接融资上，中小企业因抵押物、反担保物不足而难以获得资金支持。

In the direct financing model , the SME access to capital markets is difficult to reach the threshold ; In the indirect financing model , the SME because of collateral , lack of anti-collateral funding difficult to obtain .

再次，针对日常性的应收账款，作者提出可以用以物易物、会计方法、担保与反担保、管理组织、调整产品结构、亚文化等方式来加以解决；

Thirdly , it is directed against the nature of daily account receivable and these methods are brought out , such as goods to goods , accounting , assurance and anti-assurance , designing managing organization , adjusting product frame and subculture .

在相关学者理论研究基础之上，结合反担保具体应用实践，本文认为保证、抵押和质押可以适用于反担保，留置和定金不适用于反担保，并且反担保的具体方式取决于本担保的方式。

Combined with the counter guarantee specific application , this article believes that guarantee , mortgage and pledge could be applied to counter-guarantee , while deposit and lien could not be applied to counter-guarantee on the basis of relevant theoretical research .

作为担保的一种特殊形式，反担保在担保的一般特征基础之上，又具有不同于担保的自身法律特征，在双方主体、担保对象等方面与担保存在本质的不同。

As a special form of guarantee , counter-guarantee is not only based on the general characteristics of guarantee , but also has its own legal characteristics . The counter guarantee and guarantee are fundamentally different in both the principal terms and warranties .

在风险转移机制上，中小企业信用担保机构作为专业担保人，其能有效分散、转移担保风险的反担保和再担保机制也未得到全面有效的建立。

In risk shifting mechanism , the anti-guarantee and re-guarantee mechanism that can disperse and shift risk have not be founded effectively too . In inside control mechanism , a lot of guarantee organizations have not set up strict operational procedure and management system .