숨은 어음보증인이 민사보증책임을 지는지 여부

This article deals with the concealed aval (guarantee) through the endorsement of promissory notes. Sometimes third party to promissory notes issues, endorses or accepts promissory notes or bills for the debtor of such commercial papers, although he has no substantial business relation with the creditor (holder of the promissory notes or bills). In this case, there can be no argument that the third party is liable to the creditor as the third party who has done a responsible action on the commercial papers. However, it is not clear whether the issuer, endorser or the party who accepted the bills, should be liable as a guarantor under the civil code, in addition to his inherent liability as a issuer, endorser or the party who accepted the bills under the law of commercial papers. Academic theories in thess cases are negative to recognize any additional liability of endorser unedr the civil code, because his action should be interpreted under the promissory note and the law of commercial papers. But the court decision sometimes admitted the liability as a guarantor under the civil code, in addition to the inherent liability as a endorser of the commercial paper. These decisions can not be justified, because the endorser has only done an action within the promissory note. He has never cleary guaranteed any debt of the debtor outside of the promissory note. This writer argues these decisions should be changed.