问题 单项选择题

根据担保法律制度的规定.担保合同被确认无效时,债务人、担保人、债权人有过错的,应当根据其过错各自承担相应的民事责任。下列有关承担民事责任的表述中,正确的是( ) -

A.主合同有效而担保合同无效,债权人无过错的,债务人对主合同债权人的经济损失承担赔偿责任,担保人则不承担赔偿责任

B.主合同有效而担保合同无效,债权人、担保人有过错的,担保人承担民事责任的部分,不应超过债务人不能清偿部分的三分之一

C.主合同无效而导致担保合同无效,担保人有过错的,应承担的民事责任不超过债务人不能清偿部分的二分之

D.主合同无效而导致担保合同无效,担保人无过错则不承担民事责任

答案

参考答案:D

解析:本题考核无效担保合同的责任承担。根据《担保法解释》规定:主合同有效而担保合同无效,债权人无过错的,担保人与债务人对主合同债权人的经济损失承担连带赔偿责任;债权人、担保人有过错的,担保人承担民事责任的部分,不应超过债务人不能清偿部分的二分之一。另外规定,主合同无效而导致担保合同无效,担保人无过错的,担保人不承担民事责任;担保人有过错的,担保人承担民事责任的部分,不应超过债务人不能清偿部分的三分之一。

单项选择题
填空题

When I tell people that I’m a professor of communication, they often are confused (1) what the term "communication" means. Many people think mass communication is the (2) type of communication, but mass communication is only one form of communication. The study of mass communication focuses on messages that are (3) over (4) such as television, newspapers, and radio. Other areas of (5) focus on the messages individuals send to one another. Some of the major contexts in which communication is studied (6) the interpersonal context, the organizational context, and the intercultural context. A scholar studying (7) communication, for example, might examine how married couples (8) with misunderstandings and the effects these misunderstandings have on (9) satisfaction. Organizational communication scholars, on the other hand, might study (10) the communication styles used by managers and their subordinates influence productivity and efficiency in a company or factory.
My area of specialization is intercultural communication. Intercultural communication is an (11) field of study which incorporates research from disciplines (12) as social psychology, sociology, cultural anthropology, sociolinguistics, and of course, communication. One of the (13) important areas of research addressed by intercultural scholars is how misunderstandings can be (14) when people communicate with Others from different (15) . To understand the process of intercultural communication, we must study how individuals’ cultural backgrounds (16) their communication behaviors.
The area of intercultural communication is a relatively new (17) of study even in the United States. While most Chinese students studying communication in the United States (18) on mass communication, there are some who are interested in intercultural communication and plan to return to China to teach and (19) research in this area. The work of these Chinese scholars on intercultural communication is important because it will help improve (20) between Chinese and Americans in the future.