在金融活动中,保证人为债务人担保的行为,主要表现在两个方面:为票据的债务人担保和为贷款的债务人担保,两种担保既有共同点,也有区别。为使保证人明确票据担保和贷款担保的责任,依法履行担保义务,笔者结合《票据法》和《担保法》的有关条款,就票据保证与贷款保证的同一性与区别谈以下认识。 In the financial activities, the guarantor guarantor for the debtor behavior, mainly in two aspects: for the promissory note of the debtor and loan guarantees for the debtor, the two guaranties have both similarities and differences. In order to ensure that the guarantor is responsible for the guarantee of bills and loan guarantees, the guarantor shall perform the guarantee obligations in accordance with the law. The author combines the following provisions of the Notes Law and the Guaranty Law with regard to the identity and distinction between the notes guarantee and the loan guarantee.