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Guiding Case No. 57 of the Supreme People's Court: Ningbo Branch of Wenzhou Bank Co., Ltd. v. Zhejiang Chuangling Electric Appliance Co., Ltd. et al. (Case concerning dispute over a financial loan contract)
指导案例57号:温州银行股份有限公司宁波分行诉浙江创菱电器有限公司等金融借款合同纠纷案
【法宝引证码】

Guiding Case No. 57 of the Supreme People's Court: Ningbo Branch of Wenzhou Bank Co., Ltd. v. Zhejiang Chuangling Electric Appliance Co., Ltd. et al. (Case concerning dispute over a financial loan contract) 

指导案例57号:温州银行股份有限公司宁波分行诉浙江创菱电器有限公司等金融借款合同纠纷案

(Issued on May 20, 2016 as deliberated and adopted by the Judicial Committee of the Supreme People's Court) (最高人民法院审判委员会讨论通过 2016年5月20日发布)

Guiding Case No. 57 指导案例57号
Keywords 关键词
civil; financial loan contract; maximum guarantee 民事/金融借款合同/最高额担保
Key Points of Judgment 裁判要点
Where there are multiple contracts on the maximum guarantee and some contracts on the maximum guarantee are selectively listed in the specific loan contract, if debts are incurred during the period of financial settlement as agreed upon in the contracts on the maximum guarantee and the creditor does not expressly indicate that it will waive the guarantee rights, the guarantor in the contract on the maximum guarantee that is not listed shall also assume the guarantee liability within the quota of the maximum guarantee. 在有数份最高额担保合同情形下,具体贷款合同中选择性列明部分最高额担保合同,如债务发生在最高额担保合同约定的决算期内,且债权人未明示放弃担保权利,未列明的最高额担保合同的担保人也应当在最高债权限额内承担担保责任。
Legal Provisions 相关法条
Article 14 of the Guarantee Law of the People's Republic of China 中华人民共和国担保法》第14条
Basic Facts 基本案情
Plaintiff Ningbo Branch of Jiangsu Province Wenzhou Bank Co., Ltd. (hereinafter referred to as “Wenzhou Bank”) alleged that: It concluded the “contracts on the maximum guarantee” separately with defendants Ningbo Tingwei Electric Technology Co., Ltd. (hereinafter referred to as “Tingwei Electric Company”), Cen Jianfeng, and Ningbo Sanhao Mold Manufacturing Co., Ltd. (hereinafter referred to as “Sanhao Mold Company”), which stipulated that the three defendants provided the joint and several liability guarantee for the loan of Zhejiang Chuangling Electric Appliance Co., Ltd. (hereinafter referred to as “Chuangling Electric Appliance Company”) within a given period and the maximum quota. After borrowing a loan from Wenzhou Bank, Chuangling Electric Appliance Company failed to repay partial loan on schedule. Therefore, Wenzhou Bank requested the court to order that Chuangling Electric Appliance Company should repay it the loan principal of 2.5 million yuan and pay the interest, default interest, and lawyers' fees; and Cen Jianfeng, Sanhao Mold Company, and Tingwei Electric Company should assume the joint and several liability guarantee for the aforesaid debts. 原告浙江省温州银行股份有限公司宁波分行(以下简称温州银行)诉称:其与被告宁波婷微电子科技有限公司(以下简称婷微电子公司)、岑建锋、宁波三好塑模制造有限公司(以下简称三好塑模公司)分别签订了“最高额保证合同”,约定三被告为浙江创菱电器有限公司(以下简称创菱电器公司)一定时期和最高额度内借款,提供连带责任担保。创菱电器公司从温州银行借款后,不能按期归还部分贷款,故诉请判令被告创菱电器公司归还原告借款本金250万元,支付利息、罚息和律师费用;岑建锋、三好塑模公司、婷微电子公司对上述债务承担连带保证责任。
Defendants Chuangling Electric Appliance Company and Cen Jianfeng did not submit any defense. 被告创菱电器公司、岑建锋未作答辩。
Defendant Sanhao Mold Company contended that: Plaintiff's claim for the repayment of lawyers' expenses should not be upheld. 被告三好塑模公司辩称:原告诉请的律师费不应支持。
Defendant Tingwei Electric Company contended that: The contract on the maximum guarantee it concluded with Wenzhou Bank was not listed in guarantee contracts as agreed upon in the loan contract. Therefore, it should not assume the guarantee liability. 被告婷微电子公司辩称:其与温州银行签订的最高额保证合同,并未被列入借款合同所约定的担保合同范围,故其不应承担保证责任。
Upon trial, the court found that: On September 10, 2010, Wenzhou Bank concluded the contracts on the maximum guarantee (No. 01003 and No. 01004 [2010], Maximum Guarantee, Wenzhou Bank) numbering 902 separately with Tingwei Electric Company and Cen Jianfeng, which stipulated that Tingwei Electric Company and Cen Jianfeng voluntarily provided joint and several liability guarantee for Chuangling Electric Appliance Company's debt principal whose remaining balance does not exceed 11 million yuan incurred from September 10, 2010 to October 18, 2011, the interest thereof, and the default interest.
......
 法院经审理查明:2010年9月10日,温州银行与婷微电子公司、岑建锋分别签订了编号为温银9022010年高保字01003号、01004号的最高额保证合同,约定婷微电子公司、岑建锋自愿为创菱电器公司在2010年9月10日至2011年10月18日期间发生的余额不超过1100万元的债务本金及利息、罚息等提供连带责任保证担保。
......

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