Exist at present assure means has beijing housing loan to assure the joint liability that the center offers assures to assure ( the following abbreviation assures the center assures ) , and other assure means ( guaranty assures , impawn assures , joint liability assures to assure , guaranty safe , guaranty joint liability assures to wait ) 目前存在的担保方式有北京市住房贷款担保中心提供的连带责任保证担保（以下简称担保中心担保） ，和其他担保方式（抵押担保、质押担保、连带责任保证担保、抵押保险、抵押连带责任保证等） 。
In the counterplead right of prescription , that debtor fulfils obligation on his own will beyond prescriptive period of appeal should be regarded as that the new obligatory right and debt is founded and guarantor does n ' t continue the guaranty responsibility automatically . in the counterplead right of prior appeal , the stipulation of the twenty - fifth article of explanation of the supreme people ' s count that , if obligee of general guaranty appeals debtor and guarantor t 笔者认为，与抵押等物的担保相比较，保证虽然存在着使债务落空的风险，但同时一也具有清偿主体和保全财产扩大、成立手续简便、经济成本低且有利于社会资源的充分利用以及有利于整个社会信用体系的建立等诸多优点，因此必须站在保证担保法律制度构建和完善的高度充分认识和看待保证人抗辩权制度的重要意义。
For example , in the counterplead right of discontinuance , if debtor performs the right of discontinuance beyond due time or surrenders to perform it , it does n ' t effect guarantor to perform counterplead right of discontinuance . this treatise holds the opinion that the stipulation of the twentieth articles of guaranty law that " if debtor surrenders the counterplead right on debt , guarantor still has counterplead right " should be explained more broadly . the situation that debtor does n ' t perform discontinuance right or that debtor surrenders discontinuance right before obligee makes the request of debt should also be regarded as that debtor surrenders the counterplead right on debt 当事人对保证担保的范围或者物的担保的范围没有约定或者约定不明的，承担了担保责任的担保人，可以向债务人追偿，也可以要求其他担保人清偿其应当分担的份额”的规定虽然弥补了《担保法》的立法不足之处、给予了提供物保的第三方和保证人平等的担保人地位，却又没有分清保证人是承担一般保证还是连带责任责任的保证方式上的区别，因而过于绝对化，对于承担一般保证的保证人而言，因为享有先诉抗辩权，不能和提供物保的第三方处于同一债务人位次，所以依然应当享有物保优先权。
With leading the idea of marketing economy , the law gradually pays close attention to the properties ’ dynamic security . as the important institution for helping the accomplishment of credit , “ suretyship ” safeguards effectively the relationship of the credit , avoids the failure of credit and the crisis of the social credit 因此,我们应该为保证人追偿权的实现提供切实的法律意义上的制度保障,降低保证人的风险,维护保证人的合法权益,进而激发保证担保制度的生命活力。
