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영어

The purpose of this paper is to search a system of joint suretyship and analyze a system of protection of joint surety in Japan. There is no clauses to protect joint surety in Bank Act of Japan, It is lawful though the bank violates an explanation duty and the bank does not hand over the document. The most banks of Japan do not demand the joint surety about loan of the enterprise and the individual. The most banks of Japan about loan of the enterprise and the individual are doing the stocks and the real estate etc. thing at mortgage. When guaranteeing, puts out a guarantee fee mainly at the bonding company and issues surety certificate. It is recognized the explanation duty of the financial agency about deposit etc. but It don't rneed the explanation duty because financing is not the financial goods. The Financial Supervisory Service revise guide line and is guiding in order to the bank must explanation duty in financial transactions between companies and customer. In order to relax a joint surety responsibility from Japan, The Financial Agencies supplies the funds.