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问题 单项选择题

甲向乙借款20万元，以其价值10万元的房屋、5万元的汽车作为抵押担保，以1万元的音响设备作质押担保，同时还由丙为其提供保证担保。其间汽车遇车祸损毁，获保险赔偿金3万元。如果上述担保均有效，丙应对借款本金在多大数额内承担保证责任

A．7万元

B．6万元

C．5万元

D．4万元

答案

参考答案：B

解析：本题可以分为两个步骤来解答：第一，汽车遇车祸损毁前，丙应承担保证责任的数额。《担保法》第28条规定，同一债权既有保证又有物的担保的，保证人对物的担保以外的债权承担保证责任。因此在汽车遇车祸损毁前，甲物的担保总达16万元，故丙应承担保证责任的数额是4万元。第二，汽车遇车祸损毁后，丙应承担保证责任的数额。《担保法》第58条规定，抵押权因抵押物灭失而消灭，因灭失所得的赔偿金，应当作为抵押财产。汽车遇车祸损毁后，保险赔偿金3万元应当作为代位物成为甲物的担保，此时甲物的担保总额达14万元。故丙应承担保证责任的数额是6万元。故选项B正确。

问答题

The first mention of slavery in the statutes of the English colonies of North America does not occur until after 1660--some forty years after the importation of the first Black people. Lest we think that slavery existed in fact before it did in law, Oscar and Mary Simon assure us that the status of Black people down to the 1660’s was that of servants. (46) A critique of the Simons’ interpretation of why legal slavery did not appear until the 1660’s suggests that assumptions about the relation between slavery and racial prejudice should be reexamined, and that explanations for the different treatment of Black slaves in North and South America should be expanded.
(47) The Simons explain the appearance of legal slavery by contending that, during the 1660’s, the position of White servants was improving relative to that of Black servants. Thus, the Simons argue, Black and White servants, heretofore treated alike, each attained a different status. There are, however, important objections to this argument. First, the Simons cannot adequately demonstrate that the White servant’s position was improving during and after the 1660’s; several acts of the Maryland and Virginia legislatures indicate otherwise. Another flaw in the Simons’ interpretation is their assumption that prior to the establishment of legal slavery there was no discrimination against Black people. It is true that before the 1660’s Black people were rarely called slaves. But this should not overshadow evidence from the 1630’s on that points to racial discrimination without using the term slavery. Such discrimination sometimes stopped short of lifetime servitude or inherited status--the two attributes of true slavery--yet in other cases it included both. (48) The Simons’ argument excludes the real possibility that Black people in the English colonies were never treated as the equals of White people.
This possibility has important ramifications. (49) If from the outset Black people were discriminated against, then legal slavery should be viewed as a reflection and an extension of racial prejudice rather than, as many historians including the Simons have argued, the cause of prejudice. In addition, the existence of discrimination before the advent of legal slavery offers a further explanation for the harsher treatment of Black slaves in North than in South America. (50) Frey and Terry have rightly argued that the lack of certain traditions in North America--such as a Roman conception of slavery and a Roman Catholic emphasis on equality--explains why the treatment of Black slaves was more severe there than in the Spanish and Portuguese colonies of South America. But this cannot be the whole explanation since it is merely negative, based only on a lack of something.
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