给人担保，相关法律规定都清楚吗？仙桃法院审结的这起借款纠纷都说了
<div class="wx_rich_media_content" id="jsWxContainer"><section data-cacheurl="" data-pm-slice="0 0 []" data-remoteid="" data-role="outer" style="padding: 10px;background-size: auto;background-repeat: repeat;background-position: center center;box-sizing:border-box;from=appmsg);"><section data-tools="135编辑器" data-id="164341"><section style="margin: 10px auto;border: 1px solid #5cbbf6;padding: 5px;background-color: #f1faff;box-sizing:border-box;"><section style="border: 1px solid #5cbbf6;background-color: #ffffff;padding: 10px;box-sizing:border-box;"><section data-autoskip="1" style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background-color: transparent;"><p style="font-size: 17px; line-height: 2em; text-indent: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">在保证担保法律关系中，保证期间与保证诉讼时效是两个极为关键的期间，直接关系到保证人最终是否需要担责，不少人因搞不清二者区别及时间边界，导致错过权利主张的有效期。</span></span></p><p style="font-size: 17px; line-height: 2em; text-indent: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">近日，仙桃法院依法审结了一起金融借款合同纠纷，为厘清这两个概念提供了鲜活案例。</span></span></p></section></section></section><section data-id="157708" data-tools="135编辑器" style="transform-origin: center center;transform: rotateX(180deg);-webkit-transform: rotateX(180deg);-moz-transform: rotateX(180deg);-o-transform: rotateX(180deg);"><section data-role="scale-fix"><section style="text-align:center;" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;vertical-align: baseline;width: 80px;box-sizing:border-box;"></span></section></section></section></section><section data-tools="135编辑器" data-id="164340" data-width="96%" style="width: 96%;flex: 0 0 96%;margin-left: auto;margin-right: auto;box-sizing:border-box;max-width:96% !important;"><section style="margin: 10px auto;"><section style="margin-bottom: 25px;"><section style="display: flex;justify-content: flex-start;align-items: center;"><section style="flex-shrink: 0;padding-right: 6px;box-sizing:border-box;"><section style="background-color: #ffd239;padding: 7px 10px;-webkit-clip-path: polygon(0 48%,30% 0,85% 8%,100% 60%,70% 100%,15% 87%);box-sizing:border-box;"><section style="font-size: 16px;color: #ffffff;text-align:center;"><strong><span leaf="">0</span></strong><strong data-original-title="" title=""><span leaf="">1</span></strong></section></section></section><section style="background-color: #5cbbf6;padding: 6px 15px 6px 10px;-webkit-clip-path: polygon(13px 0,100% 0,100% 100%,0 100%,0 34%);box-sizing:border-box;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">案情简介</span></strong></section></section></section><section data-autoskip="1" style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background-color: transparent; padding-top: 10px; box-sizing: border-box;"><p style="font-size: 17px;line-height: 2em;text-indent: 0em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf=""><span class="wxart_image" wx-style="display:inline-block;vertical-align:baseline;width:100%;"></span></span></span></p><p style="font-size: 17px; line-height: 2em; text-indent: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">2023年6月，吕某向某银行申请小额贷款，双方签订借款合同约定：借款金额6万元，借款期限自2023年6月5日至2024年6月5日，还款方式为按月结息、到期还本，同时明确了借款利率、罚息利率等核心条款。黎某作为连带责任保证人向某银行出具了一份《自然人保证人声明》，但未对保证期间作出约定。</span></span></p><p style="font-size: 17px; line-height: 2em; text-indent: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">借款到期后，吕某未按约定履行还款义务。某银行遂于2024年7月24日、11月20日两次通过手机通话方式联系黎某，向其主张连带保证责任。2025年5月，某银行将吕某、黎某诉至仙桃法院，请求法院判令吕某归还借款本金并支付相应罚息，黎某对案涉债务承担连带清偿责任。</span></span></p></section></section><section style="margin-bottom: 25px;"><section style="display: flex;justify-content: flex-start;align-items: center;"><section style="flex-shrink: 0;padding-right: 6px;box-sizing:border-box;"><section style="background-color: #ffd239;padding: 7px 10px;-webkit-clip-path: polygon(0 48%,30% 0,85% 8%,100% 60%,70% 100%,15% 87%);box-sizing:border-box;"><section style="font-size: 16px;color: #ffffff;text-align:center;"><strong><span leaf="">0</span></strong><strong data-original-title="" title=""><span leaf="">2</span></strong></section></section></section><section style="background-color: #5cbbf6;padding: 6px 15px 6px 10px;-webkit-clip-path: polygon(13px 0,100% 0,100% 100%,0 100%,0 34%);box-sizing:border-box;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">法院审理</span></strong></section></section></section><section data-autoskip="1" style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background-color: transparent; padding-top: 10px; box-sizing: border-box;"><p style="font-size: 17px; line-height: 2em; text-indent: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">仙桃法院经审理认为，本案争议焦点在于：</span><strong><span style="color: rgb(255, 0, 0);"><span leaf="">一是保证人黎某的保证期间应如何认定，二是其保证债务的诉讼时效期间起算点如何确定</span></span></strong><span leaf="">。</span></span></p><p style="font-size: 17px; line-height: 2em; text-indent: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">首先，黎某出具的《自然人保证人声明》系其真实意思表示，内容不违反法律、行政法规的强制性规定，合法有效，黎某的连带责任保证人身份及责任范围依法成立。其次，关于保证期间的认定，根据《中华人民共和国民法典》第六百九十二条第二款规定：“债权人与保证人可以约定保证期间，但是约定的保证期间早于主债务履行期限或者与主债务履行期限同时届满的，视为没有约定；</span><strong><span style="color: rgb(255, 0, 0);"><span leaf="">没有约定或者约定不明确的，保证期间为主债务履行期限届满之日起六个月</span></span></strong><span leaf="">。”本案中，双方未约定保证期间，主债务履行期限为2023年6月5日至2024年6月5日，因此</span></span><span style="color: rgb(30, 155, 232);"><strong><span style="font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">黎某的保证期间为2024年6月6日至2024年12月5日</span></span></strong></span><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">。</span></span></p><p style="font-size: 17px; line-height: 2em; text-indent: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">此外，关于保证债务的诉讼时效期间起算点，根据《中华人民共和国民法典》第六百九十四条第二款规定：“</span><strong><span style="color: rgb(255, 0, 0);"><span leaf="">连带责任保证的债权人在保证期间届满前请求保证人承担保证责任的，从债权人请求保证人承担保证责任之日起，开始计算保证债务的诉讼时效</span></span></strong><span leaf="">。”本案中，某银行于</span><strong><span style="color: rgb(30, 155, 232);"><span leaf="">2024年7月24日</span></span></strong><span leaf="">（保证期间内），通过手机通话方式向黎某明确主张保证责任，此时保证期间的效力终止，</span><strong><span style="color: rgb(30, 155, 232);"><span leaf="">开始计算保证诉讼时效</span></span></strong><span leaf="">。因某银行于2025年5月提起诉讼，在诉讼时效期间内，故黎某的连带保证责任不能免除。</span></span></p><p style="font-size: 17px; line-height: 2em; text-indent: 2em;"><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">最终，法院判决</span></span><strong><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">吕某向某银行返还案涉借款本金并支付相应罚息；黎某对判决确定的上述债务承担连带清偿责任</span></span></strong><span style="color: rgb(0, 0, 0); font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">。判决作出后，双方均服判息诉，该判决现已生效。</span></span></p></section></section></section></section><section data-role="title" data-tools="135编辑器" data-id="99416"><section style="width: 48px;margin: 10px auto;box-sizing:border-box;"><section data-role="title" data-tools="135编辑器" data-id="102374"><section style="width: 50px;margin: 10px auto;box-sizing:border-box;" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;width: 100%;display: block;vertical-align:baseline;box-sizing:border-box;max-width:100% !important;"></span></section></section></section></section><section data-role="title" data-tools="135编辑器" data-id="98255"><section style="margin: 10px auto;"><section style="text-align: center;letter-spacing: 5px;line-height: 1.8;font-size: 18px;color: #ffffff;text-shadow:#333333 0.056em 0.056em, #333333 0.056em -0.056em, #333333 -0.056em 0.056em, #333333 -0.056em -0.056em, #333333 0em 0.078em, #333333 0em -0.078em, #333333 -0.078em 0em, #333333 0.078em 0em, #ffde17 0.111em 0.111em, #ffde17 0.167em 0.167em, #ffde17 0.167em 0.056em, #ffde17 0.056em 0.167em, #ffde17 0.056em 0.056em, #ffde17 0.111em 0.189em, #ffde17 0.111em 0.033em, #ffde17 0.033em 0.111em, #ffde17 0.189em 0.111em;"><p><span style="font-size: 20px;"><strong data-brushtype="text" style="font-style: italic;"><span leaf="">普法小课堂</span></strong></span></p></section></section></section><section style="outline: 0px;font-size: 16px;letter-spacing: 0.544px;text-align: center;color: #1568ca;line-height: 2;"><p style="outline: 0px;"><span style="color: #0070c0;"><strong style="font-size: 18px;letter-spacing: 0.544px;background-color: transparent;caret-color: red;outline: 0px;"><span leaf="">什么是保证期间和保证诉讼时效</span></strong><strong style="letter-spacing: 0.544px;background-color: transparent;caret-color: red;font-size: 18px;outline: 0px;"><span leaf="">？</span></strong></span></p><p style="border: none; outline: none; box-sizing: border-box; list-style: none; line-height: 30px; color: rgb(102, 102, 102); text-indent: 0em; font-family: 微软雅黑;"><span style="outline: 0px;font-size: 18px;letter-spacing: 0.544px;line-height: 2em;color: #0070c0;"><strong style="outline: 0px;"><span leaf="">两者的区别有哪些？</span></strong></span></p><p style="border: none; outline: none; box-sizing: border-box; list-style: none; line-height: 30px; color: rgb(102, 102, 102); text-indent: 0em; font-family: 微软雅黑;"><span style="outline: 0px;font-size: 18px;letter-spacing: 0.544px;line-height: 2em;color: #0070c0;"><strong style="outline: 0px;"><span leaf="">不同保证方式的保证期间和诉讼时效一样吗？</span></strong></span></p></section><section style="outline: 0px;font-size: 16px;text-align: center;color: #141414;line-height: 2;letter-spacing: 2px;"><p style="outline: 0px;"><span leaf="">一起学习一下</span></p></section><section style="outline: 0px;font-size: 16px;letter-spacing: 0.544px;"><section style="outline: 0px;max-inline-size: 100%;cursor: text;text-align: center;"><section style="outline: 0px;"><section style="outline: 0px;vertical-align: middle;display: inline-block;line-height: 0;height: auto;caret-color: red;letter-spacing: 0.544px;width: 69px;visibility: visible;box-sizing:border-box;font-family:-apple-system-font, BlinkMacSystemFont, Arial, sans-serif;" nodeleaf=""><span class="wxart_image" wx-style="display:inline-block;outline: 0px;visibility: visible !important;width: 69px !important;height: auto !important;vertical-align:baseline;box-sizing:border-box;"></span></section></section></section></section><section data-role="title" data-tools="135编辑器" data-id="124019"><section style="margin: 10px auto;"><section style="display: flex;justify-content: center;"><section><section style="padding-right: 14px;display: flex;justify-content: flex-end;box-sizing: border-box;"><section style="display: flex;align-items: center;"><section style="margin-left: 5px;flex-shrink: 0;"><section style="width: 8px;height: 18px;border-radius: 15px;background-color: #ffca42;border-width: 2px;border-style: solid;border-color: #ffffff;overflow: hidden;box-sizing:border-box;"><p><span leaf=""><br></span></p></section></section><section style="margin-left: 5px;flex-shrink: 0;"><section style="width: 8px;height: 18px;border-radius: 15px;background-color: #ffca42;border-width: 2px;border-style: solid;border-color: #ffffff;overflow: hidden;box-sizing:border-box;"><p><span leaf=""><br></span></p></section></section></section></section><section style="margin-top: -7px;padding: 10px 25px;background-color: #4083ff;font-size: 16px;color: #ffffff;text-align: center;box-sizing: border-box;"><strong data-brushtype="text"><span leaf="">1.保证期间与保证诉讼时效</span></strong></section></section></section></section></section><section data-role="paragraph"><p style="font-size: 17px;line-height: 2em;text-indent: 2em;text-align: justify;"><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">保证期间是确定保证人承担保证责任的期间，其作用是督促债权人在合理期限内主张权利，<span textstyle="" style="font-weight: bold;">若债权人未在保证期间内依法主张权利，保证人不再承担保证责任</span>。</span></span></p><p style="font-size: 17px;line-height: 2em;text-indent: 2em;text-align: justify;"><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">保证诉讼时效是债权人因保证合同向保证人主张权利的诉讼时效期间，一般为三年，其作用是督促债权人在保证责任产生后及时通过司法程序主张权利，诉讼时效期间届满，保证人获得时效抗辩权。</span></span></p><section data-role="title" data-tools="135编辑器" data-id="124019"><section style="margin: 10px auto;"><section style="display: flex;justify-content: center;"><section><section style="padding-right: 14px;display: flex;justify-content: flex-end;box-sizing: border-box;"><section style="display: flex;align-items: center;"><section style="margin-left: 5px;flex-shrink: 0;"><section style="width: 8px;height: 18px;border-radius: 15px;background-color: #ffca42;border-width: 2px;border-style: solid;border-color: #ffffff;overflow: hidden;box-sizing:border-box;"><p><span leaf=""><br></span></p></section></section><section style="margin-left: 5px;flex-shrink: 0;"><section style="width: 8px;height: 18px;border-radius: 15px;background-color: #ffca42;border-width: 2px;border-style: solid;border-color: #ffffff;overflow: hidden;box-sizing:border-box;"><p><span leaf=""><br></span></p></section></section></section></section><section style="margin-top: -7px;padding: 10px 25px;background-color: #4083ff;font-size: 16px;color: #ffffff;text-align: center;box-sizing: border-box;"><strong data-brushtype="text"><span leaf="">2.保证期间与保证诉讼时效的区别</span></strong></section></section></section></section></section><p style="font-size: 17px;line-height: 2em;text-indent: 2em;text-align: justify;"><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">1.性质不同。对于保证期间的性质，实务中存在争议，部分认为保证期间既不属于诉讼时效，也不属于除斥期间，而是一个特殊期间。</span></span></p><p style="font-size: 17px;line-height: 2em;text-indent: 2em;text-align: justify;"><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">2.起算时间不同。对于</span><strong><span style="color: rgb(255, 0, 0);"><span leaf="">连带保证</span></span></strong><span leaf="">，</span></span><strong><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">保证期间</span></span></strong><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span style="caret-color: red;"><span leaf="">当事人有约定的从约定，没有约定的自主债务履行期限届满之日起起算；</span></span><strong><span style="caret-color: red;"><span leaf="">诉讼时效</span></span></strong><span style="caret-color: red;"><span leaf="">则是自债权人请求保证人承担保证责任之日起开始计算。对于</span><strong><span style="caret-color: red; color: rgb(255, 0, 0);"><span leaf="">一般保证</span></span></strong><span leaf="">，</span></span><strong><span style="caret-color: red;"><span leaf="">保证期间</span></span></strong><span style="caret-color: red;"><span leaf="">当事人有约定的从约定，没有约定的自主债务履行期限届满之日起起算；</span></span><strong><span style="caret-color: red;"><span leaf="">诉讼时效</span></span></strong><span style="caret-color: red;"><span leaf="">从保证人拒绝承担保证责任的权利消灭之日起开始计算。</span></span></span></p></section><section data-role="paragraph"><p style="font-size: 17px;line-height: 2em;text-indent: 2em;text-align: justify;"><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">3.是否可以自由约定不同。保证期间可以由当事人约定，</span><span style="caret-color: red;"><span leaf="">没有约定或者约定不明确的，保证期间为主债务履行期限届满之日起六个月</span></span><span style="caret-color: red;"><span leaf="">；诉讼时效的期间、计算方法以及中止中断事由均由法律规定，当事人约定无效。</span></span></span></p></section><section data-role="paragraph"><p style="font-size: 17px;line-height: 2em;text-indent: 2em;text-align: justify;"><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">4.效力不同。主要体现在对人的效力、期限届满后的效力以及撤诉的效力。</span></span><strong><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">首先</span></span></strong><span style="color: rgb(0, 0, 0); letter-spacing: 1.5px; font-family: 微软雅黑, "Microsoft YaHei";"><span leaf="">，债权人在保证期间内向某个保证人主张权利并不当然地及于其他保证人，而诉讼时效可以发生追及效力。</span><strong><span leaf="">其次，</span></strong><span leaf="">保证期间届满后，保证人在债权人要求承担保证责任的书面通知单上签字或盖章，并不导致保证期间的重新计算，但可以导致诉讼时效的重新计算。</span><strong><span leaf="">最后，</span></strong><span leaf="">债权人在诉讼时效内起诉后撤诉的，发生诉讼时效的中断；但在保证期间内起诉后撤诉的，对于一般保证，如果债权人未再重新主张，则保证人无需承担保证责任，对于连带保证，如果起诉状副本已经送达保证人，则视为债权人已经在保证期间内主张过权利。</span></span></p></section><section data-role="paragraph"><p><span leaf=""><br></span></p></section><section data-tools="135编辑器" data-id="164328"><section style="margin: 10px auto;display: flex;justify-content: center;"><section style="display: flex;flex-direction: column;"><section style="width: 30px;margin-left: auto;margin-bottom: -10px;z-index: 3;box-sizing: border-box;height: 0px;"><span leaf=""><br></span></section><section style="background-color: rgb(92, 187, 246); padding: 6px 15px; clip-path: polygon(13px 0px, 100% 0px, 100% 100%, 0px 100%, 0px 34%); margin-right: 9px; margin-left: 9px; box-sizing: border-box;"><section style="font-size: 16px;color: #ffffff;text-align: center;"><strong data-brushtype="text"><span leaf="">END</span></strong></section></section></section></section></section></section><section data-role="outer" label="edit by 135editor" data-pm-slice="7 4 []"><section data-role="paragraph" style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; text-align: justify; letter-spacing: 0.578px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;"><section data-role="paragraph" style="font-size: 17px; color: rgba(0, 0, 0, 0.9); height: 0px;"><span leaf=""><br></span></section><section data-role="paragraph" style="font-size: 17px; color: rgba(0, 0, 0, 0.9);"><p><span leaf=""><br></span></p></section><section data-role="paragraph" style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;"><p style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: normal; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; letter-spacing: 0.5px; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;"><span leaf="" style=""><font color="#c0c0c0" style="" size="1">来源/湖北省仙桃市人民法院</font></span></span></span></p></section></section></section><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p></div><p></p>
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