우리나라는 국민들의 정서와 사회풍토가 정의에 약하여 가족간, 직장 동료 및 친구 등 잘 아는 사람들의 보증 요청에 이를 거절하지 못하여 아무런 대가없이 보증을 서는 경우가 많았다. 이로 인해 보증인은 자신이 부담하여야 할 광범위한 채무를 인식하지 못하고 주채무자가 채무를 이행하지 않을 경우 주채무자의 책임을 전적으로 부담하게 되는 경우가 발생하였다. 특히 우리나라는 IMF를 겪음으로 부실채권이 증가하였고, 이로 인해 연대보증인들의 피해가 속출하였다. 이에 정부는 보증인 보호를 위한 특별법을 제정하여 시행하게 되었다. 동법의 시행으로 아무런 대가 없이 호의로 이루어지는 보증으로 인한 보증인의 경제적·정신적 피해를 방지하고, 금전채무에 대한 합리적인 보증계약 관행을 확립함으로써 신용사회 정착에 이바지하게 되었다. 그러나 동법은 보증인을 보호하고자 하는 목적을 달성하는데 몇 가지 미흡한 부분이 존재한다. 예를 들어 입법방식에 있어서의 문제점, 실효성의 문제점 등이 대표적이다. 이 논문은 현재 시행중인 보증인 보호에 관한 특별법의 주요내용을 살펴보고, 그 문제점과 개선방안을 살펴보고 있다.

There are many cases which stand surety without any price not denying their guarantee request by people who know well such as the family, the co-worker and friend etc. in South Korea because citizens are sentimental and the social trend is weak in justice. There was a case which cover the principal's responsibility entirely if a guarantor does not recognize the wide range of debt which must cover in person, and if a principal discharge his or her obligations. Especially, in South Korea with undergoing IMF, the bad debt increased, and joint sureties' damage also occurred in succession. The government enforced and established the special law for a guarantor protection. By enforcing the special law, it prevents a guarantor's financial and mental damage for a guarantee made without any price as a favor and contributes to settlement of a credit society by establishing rational a contract of suretyship constitution of debts. However, the special law leave something to be desired to accomplish its purpose to protect a guarantor. For example, the problem on a legislation method and the problem of effectiveness are a case in point. This thesis looks into the brief summaries of a special law for a guarantor protection on now being in force.

There are many cases which stand surety without any price not denying their guarantee request by people who know well such as the family, the co-worker and friend etc. in South Korea because citizens are sentimental and the social trend is weak in justice. There was a case which cover the principal's responsibility entirely if a guarantor does not recognize the wide range of debt which must cover in person, and if a principal discharge his or her obligations. Especially, in South Korea with undergoing IMF, the bad debt increased, and joint sureties' damage also occurred in succession. The government enforced and established the special law for a guarantor protection. By enforcing the special law, it prevents a guarantor's financial and mental damage for a guarantee made without any price as a favor and contributes to settlement of a credit society by establishing rational a contract of suretyship constitution of debts. However, the special law leave something to be desired to accomplish its purpose to protect a guarantor. For example, the problem on a legislation method and the problem of effectiveness are a case in point. This thesis looks into the brief summaries of a special law for a guarantor protection on now being in force.

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Guarantor, guarantee debt, contract of suretyship, favorable guarantee, joint liability on guarantee, a guarantor protection, the special law for a guarantor protection.