A GUARANTEE AS A WAY OF ENFORCEMENT OF CREDIT OBLIGATIONS: THEORETICAL AND APPLIED ASPECTS

Author
, PhD. Student, Kharkiv, Pushinska, 77

In heading

 Law;

Signed print

 11.09.2015

Issues number

 2015 - № 3 (22)

Page

 202-217

Type of articles

 Scientific article

Code UDK

 346.31

ISSN print

 2411-5584

Abstract

 Problem setting. At first sight, an issue of guarantor responsibility is thoroughly regulated. However, the applied activity enables to indicate certain disadvantages in the legislation and particular banking agreements.
Recent research and publications analysis. A guarantee as a way of obligation enforcement has been examined by D. Hrydzhuk, I. Puchkovska, I. Lavrinenko, O. Mykhalniuk, M. Andrianov, L. Shymon, etc. Nevertheless, issues of defining a guarantee and determination of the guarantor role in the process of reduction of negative legal consequences for solidary debtors as well as creditors in case of breaking an agreement have been not considerably considered.
Paper objective. The article objective is to determine distinctive characteristics of a guarantee.
Paper objective. According to terms determined in a guarantee agreement, a guarantor pledges to be accountable to a creditor for enforcement of debtor’s obligations, whether the latter does not enforce them on debtor’s own. Such a definition of legal relationships of a guarantee precisely detects the guarantee sense. Thus, there is a need to amend the article 553 of the Civil Code of Ukraine. On legislative level there is a need to oblige a creditor to immediately inform a guarantor about breaking obligations by the main debtor.
According to the article 3 of the Civil Code of Ukraine, justice, conscientiousness, and comprehension are the basic principles of the civil legislation. The Civil Code of Ukraine states that a debtor can change obligations without consent of a guarantor. Such a case results in increase of guarantor’s responsibility. Therefore, this assertion contradicts the guarantee sense as well as the basic principles of the civil legislation.
Conclusions of the research. The article 553 of the Civil Code of Ukraine is required to be amended in such a way: «According to terms determined in a guarantee agreement, a guarantor pledges to be accountable to a creditor for enforcement of debtor’s obligations, whether the latter does not enforce them on debtor’s own».

Keywords

 Guarantee, guarantee agreement, guarantor responsibility, ceasing a guarantee.

Reviewer

 Zadyhailo D. V., doctor of legal Sciences, Professor, Yaroslav Mudryi National Law University, Kharkiv, Ukraine.

External reviewer

 Alisov Ye. O., doctor of legal Sciences, Professor, Yaroslav Mudryi National Law University, Kharkiv, Ukraine.

Article in PDF

 3 202-217

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17.03.2015