问题 问答题

2003年元月28日,甲信用社与乙公司和丙养殖场签订了一份抵押借款合同,约定:乙公司从信用社借款700万元,月息12.6‰,期限自2003年元月28日至2004年元月27日。丙养殖场以自有的土地使用权和房产为该笔贷款提供抵押,并办理了抵押登记手续。从2003年2月18日至2003年6月13日,甲信用社先后6次向乙公司发放贷款872万元。乙公司贷款账号设立在甲信用社处。2003年6月13日至6月19日,甲信用社负责人李某从乙公司账户上先后6次提取2 001 775元。在取款凭条上的签名均为"李某 (代)"。乙公司称其并未委托李某代取存款,甲信用社也提供不出为何向李某支付乙公司账户存款的证据。2003年4月10日,甲信用社负责人李某以个人名义从乙公司借款50万元。2004年2月21日、3月13日,一位署名王某的人以甲信用社的名义向乙公司收取贷款息差共3万元。甲信用社不承认王某系其单位职员,乙公司也无证据证明王某确切身份。2004年4月16日,某市南岗公安分局以涉嫌票据诈骗为由,立案侦查甲信用社负责人李某诈骗南岗区民政局200万元之事。当年6月16日,在南岗公安分局人员监控下,李某以甲信用社的名义从乙公司收回了100万元贷款,该款南岗区公安分局经手归还了南岗区民政局。2004年2月甲信用社负责人李某被调离原单位。此后,甲信用社多次向乙公司催收贷款无果,向法院提起诉讼,请求判令乙公司偿还借款本金872万元及利息、罚息和本案诉讼费,丙养殖场承担连带责任。另查,丙养殖场是经某省司法厅劳改局批准成立的省属劳改(教)事业单位。丙在签订抵押合同时,隐瞒了自己事业单位的"身份"。 请回答下列问题:

甲信用社与乙公司和丙养殖场签订的抵押借款合同是否有效后果如何

答案

参考答案:丙养殖场系劳改(教)事业单位,根据《担保法解释》第3条的规定"国家机关和以公益为目的的事业单位、社会团体违反法律规定提供担保的,担保合同无效。"故丙养殖场为乙公司贷款向甲信用社提供的抵押担保无效。丙养殖场基于自身的过错,应对甲信用社不能收回贷款承担相应的赔偿责任。另外,根据该《担保法解释》第7条的规定,"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1/2。"本案中债权人甲信用社并不知道担保人丙养殖场无担保资格,其对担保合同的无效并无过错,因此乙公司和丙养殖场应对甲信用社不能收回的贷款承担连带赔偿责任。

选择题
阅读理解

It has been argued that an infant under three who is cared for outside the home may suffer because of the separation from his parents.The British psychoanalyst John Bowlby believes that separation from the parents during the sensitive "attachment" period from birth to three may scar (留下疤痕) a child's personality and incline to emotional problems in later life.Some people have drawn the conclusion from Bowlby's work that children should not be sent to day care before the age of three, and many people do believe this.But there are also arguments against such a strong conclusion.

Firstly, anthropologists (人类学家) point out that the hidden love between children and parents found in modem societies does not usually exist in traditional societies.For example, we saw earlier that among the Ngonis the father and mother of a child did not raise their infant alone.But traditional societies are so different from modern societies that comparisons based on just one factor are hard to understand.

Secondly, common sense tells us that day care would not be so widespread today if parents and caretakers found that children had problems with it.But Bowlby's analysis raises the possibility that early day care has delayed effects.The possibility that such care might lead to more mental illness or crime 15 or 20 years later can only be noticed by the use of statistics.Statistical studies of this kind have not yet been carried out, and even if they were, the results would be certain to be complicated and controversial.

Thirdly, in the last decade, there have been a number of careful American studies of children in day care, and they have reported that day care had a neutral of slightly positive effect on children's development.But tests that have had to be used to measure this development are not widely enough accepted to settle the issue.

小题1:This passage is mainly talking about________.

A.children's personality

B.advantages of infants' early care

C.infants' education

D.negative effect of infant school小题2:The phrase "day care   in the first paragraph probably means_____.

A.nursing school

B.baby-sitter

C.boarding school

D.primary school小题3:According to Bowlby, children under the age of three______.

A.should not be sent to school

B.should be cared for outside the home

C.will not suffer fro m parental separation

D.don't mind who will look after them小题4:The argument against Bowlby's conclusion shows that___.

A.children have problems with day care

B.there is no negative effect on infants who go to school before three

C.there is a long-term effect on infants who go to school before three

D.children who are sent to school before three are sent to mental illness