担保制度在日常生活中处处可见，是一种重要的法律制度，在保障债务履行，维护交易安全，促进市场融资等方面发挥着重要的作用。在现实交易中，尤其是银行的信贷交易实践中，债权人为增加债权实现的安全系数，对于同一债权之上往往设定多项担保，其中物的担保和人的担保并存的情形不在少数。当两种担保方式均担保同一主债务时，即该主债务既存在人保，又存在物保，则此时称这种多重担保方式为混合共同担保。债务人提供物的担保和人的担保并存时，由于债务人是债务的最终承担者，承担了担保责任的第三人向债务人追偿尚无争议。在债务人以外的第三人提供物的担保和人的担保并存时，担保人之间的追偿问题成为理论界和实物界争论的焦点，下文再做详述。通常情况下，理论界对债务人未清偿债务后债务人本身所负有的偿还责任没有任何争议，对保证人、物上保证人与债务人之间的关系以及权利义务也没有过多争议。但对于此时的保证人、物上保证人和债权人之间的三方关系如何处理尚存一定的争论。本文将按照混合共同担保中的责任承担、混合担保责任承担后的清偿及债权人放弃某一方的保证责任的后果的问题逻辑来研究混合担保中的主要问题。

Guarantee system is a common one in our daily life, which is an significant system of law. It is guarantee system that plays an important part in protecting debt performance, maintaining transaction safety, and promoting marketing financing. In many real-life transactions, especially in the bank's credit trading practices, there are many cases including the safety factor of the creditor for increasing the creditor's rights, multinomial assurances over a same obligation, and guarantees of real right and people. When two guaranty styles both guarantee the same principal obligation, that guaranty of person and guaranty of property are included in the principal obligation, we call this multiple guarantee way mixed co-guarantee. Because of debtors are the ultimate responsibility undertakers of the debt, there is no dispute of the claim from the third party who take the guarantee liability to debtors only when the coexistence between guaranty of property and the guaranty of person offered by debtors. The issue about claiming between guarantors has became a focus point about the theoretical fields and physical world to argue with when the personal guaranty and material guarantee offered by the third party other than the debtor exist in the same time. Also, what we mentioned above will be described in more detail below. In general, after the theoretical fields to the outstanding debt of the debtors, there is no disputes that the responsibilities for paying back belong to the debtors. And there is not too much controversy of the right and obligations and the relationship among the guarantors, mortgagers and debtors. However, how to deal with the three-way relationship among the guarantors, mortgagers, and creditors is a certain argument. In this paper, we will research the main key problem in the mixed guarantee on the basis of the mixed guarantee's responsibility,  claim after the mixed guarantee responsibility, and the problem logic of the creditor give up one side's liability of guaranty's consequence.

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