The surety is the guarantee of the debts of one party by another. A surety is a person or an organization that assumes the responsibility of paying the debt in case the debtor policy defaults or is unable to make the payments. The party that guarantees the debt is referred to as the surety or the guarantor.
（读者朋友们看了这第一段，是不是马上就兴奋了或者好奇了？这个Surety是个什么东东？这么好？我怎么以前都没有听说过？加拿大的担保与中国的担保在概念上有什么区别？我买一份这个surety，是不是就可以赖帐了？）
首先，我要回答朋友们，加拿大的担保surety与中国人传统所理解的担保是不一样的，起码在使用的范围上是不一样的，当然，也有相通之处，不然的话也不可能翻译成担保。大家不常见到它，主要也是受它的使用范围所致，虽然其使用范围还蛮广的，但比较特别，并不是普通民众日常工作生活投资置业所能够使用到的东西。
为了不浪费大家的时间，我必须非常明确地告诉朋友们，你们的普通债务，比如按揭、车贷等债务，surety没法替你们担保，surety主要用于工程合同、招投标、大宗贸易、进出口贸易等合同上，比如房地产开发、基础设施建设、厂房建设等。
另外，购买了surety并不表明你就可以赖帐了，因为担保人替你支付了债务之后，还可以向你追索你的债务以及相关费用。也就是说，Surety是给予你的合同对方的债权提供担保，以利于你获得合同并促进交易的东西，并不是你花一点点钱买一份surety，你的责任就转移了，要明白，世界上没有这么便宜的午餐，请大家用生意的思维想问题，会更容易理解金融产品。
A surety is not an insurance policy. The payment made to the surety company is paying for the bond （这个在后面会解释，看上去有点象是支付保费，但不是保费，即不叫做premium，而是叫做surety bond）, but the principal is still liable for the debt. The surety is only required to relieve the obligee of the time and resources that will be used to recover any loss or damage from a principal. （这一段就说得很清楚了，“委托人仍需对债务承担责任”， “担保人只需免除债权人用于从委托人处追回任何损失或损害的时间及资源，包括律师费、诉讼费、车马费、利息等）
A surety is most common in contracts in which one party questions whether the counterparty in the contract will be able to fulfill all requirements. The party may require the counterparty to come forward with a garantor to reduce risk, with the guarantor entering into a contract of suretyship. This is intended to lower risk to the lender, which might, in turn, lower interest rates for the borrower. A surety can be in the form of a surety bond. （这一段就基本上完全解释了我上面告诉大家的东西，因为许多人看文章有个坏毛病，根本没有看清楚全文，就自以为是地按常识或自己的想象去理解一个专业的东西，以致在传达给下一个人的时候，完全把意思弄错了。）
KEY POINTS (几个要点）：
1\A surety is a person or party that takes responsibility for the debt, default, or other financial responsibilities of another party.
担保是个人或一方替另一方承担债务、违约或其他财务责任的行为。
2\A surety is often used in contracts in which one party’s financial holdings or well-being are in question and the other party wants a guarantor.
担保通常用于一方的金融资产或财务利益存在问题而另一方要求提供担保的合同中。
3\Surety bonds are financial instruments that tie the principal, the obligee—often a government entity—and the surety. In the case of surety bonds, the surety is providing a line of credit to the principal to reassure the obligee that the principal will fulfill their side of the agreement.
保证金是把委托人、债权人（通常是政府实体）与担保人联系在一起的金融工具。在保证金的情况下，担保人向委托人提供授信额度，以向债权人保证委托人将履行他们一方的协议。
What Is a Surety Bond? 【什么是保证金 （担保书）？】
A surety bond is a legally binding contract entered into by three parties: the principal, the obligee, and the surety. The obligee, usually a government entity, requires the principal, typically a business owner or contractor, to obtain a surety bond as a guarantee against future work performance.
担保书（或者叫做保证金合同）是由委托人、债权人和保证人三方订立的具有法律约束力的合同。债权人（通常是政府实体）要求委托人（通常是企业主或承包商）提供担保书作为对未来工作表现的保证。
The surety is the company that provides a line of credit to guarantee payment of any claim. They provide a financial guarantee to the obligee that the principal will fulfill their obligations. A principal’s obligations could mean complying with state laws and regulations pertaining to a specific business license, or meeting the terms of a construction contract.
担保人是提供授信额度以担保支付任何索偿的公司。他们向债权人提供金融担保，即委托人将履行其义务。委托人的义务可能意味着遵守与特定营业执行有关的国家法律法规，或满足建筑合同的条款。
If the principal fails to deliver on the terms of the contract entered into with the obligee, then the obligee has the right to file a claim against the bond to recover any damages or losses incurred. If the claim is valid, the surety company will pay reparation that cannot exceed the bond amount. The underwriters will then expect the principal to reimburse them for any claims paid.
如果委托人未能按照与债权人订立的合同条款交付，则债权人有权对保证金合同提出索偿，以追回由此造成的任何损害或损失。如果索偿有效，担保公司将支付不超过保证金金额的赔偿金。然后，担保人将期望报销（获得偿还）他们所支付出去的任何赔付金额。
The claim amount is retrieved from the principal, either through collateral posted by the principal or through other means.
赔付金融要通过委托人提供的抵押品或其他方式收回。
What is the purpose of a surety? （担保的目的）
A surety is the guarantee of the debts of one party by another. This is intended to lower risk to the lender, which might, in turn, lower interest rates for the borrower.
（政府的项目一般是很难获得的，而且政府也不愿意承担任何不确定的财务风险，所以任何企业想获得政府的合同，一般都得提供财务担保。当然，政府的合同是很肥很甜的，花一点担保费也是值得的。）
What is a surety limit?
A surety bond protects an obligee against losses, up to the limit of the bond. The bond amount is the monetary limit up to which the obligee requires the bond to be issued.
（这种金额一般都不仅仅债务或合同的金额，还会包括利息等相关费用。）
What are the benefits available to a surety?
Surety bonds provide a defense against false claims and act as clear-cut representation when claims occur. Because surety bonds also lower risk for lenders, they can reduce interest rates for borrowers.
（对担保人的好处，当然是担保费的收入呀。一般来说，有资格获得政府项目的公司都不会太差，所以担保人为委托人提供担保还是一门很不错的生意。当然啰，风险肯定也是有的，比如遇到自然灾害或者突发公共卫生紧急状态等事件而造成重大损失以致合同无法按时交付等，担保公司所承担的风险也是非常大的，特别是委托人破产倒闭情况的出现，担保方甚至都无法追索回赔付出去的资金。）
此文仅为信息分享，非为任何保险、投资、理财的意见或建议，若您有此方面的问题，请联系我咨询，电话4163004768.
（读者朋友们看了这第一段，是不是马上就兴奋了或者好奇了？这个Surety是个什么东东？这么好？我怎么以前都没有听说过？加拿大的担保与中国的担保在概念上有什么区别？我买一份这个surety，是不是就可以赖帐了？）
首先，我要回答朋友们，加拿大的担保surety与中国人传统所理解的担保是不一样的，起码在使用的范围上是不一样的，当然，也有相通之处，不然的话也不可能翻译成担保。大家不常见到它，主要也是受它的使用范围所致，虽然其使用范围还蛮广的，但比较特别，并不是普通民众日常工作生活投资置业所能够使用到的东西。
为了不浪费大家的时间，我必须非常明确地告诉朋友们，你们的普通债务，比如按揭、车贷等债务，surety没法替你们担保，surety主要用于工程合同、招投标、大宗贸易、进出口贸易等合同上，比如房地产开发、基础设施建设、厂房建设等。
另外，购买了surety并不表明你就可以赖帐了，因为担保人替你支付了债务之后，还可以向你追索你的债务以及相关费用。也就是说，Surety是给予你的合同对方的债权提供担保，以利于你获得合同并促进交易的东西，并不是你花一点点钱买一份surety，你的责任就转移了，要明白，世界上没有这么便宜的午餐，请大家用生意的思维想问题，会更容易理解金融产品。
A surety is not an insurance policy. The payment made to the surety company is paying for the bond （这个在后面会解释，看上去有点象是支付保费，但不是保费，即不叫做premium，而是叫做surety bond）, but the principal is still liable for the debt. The surety is only required to relieve the obligee of the time and resources that will be used to recover any loss or damage from a principal. （这一段就说得很清楚了，“委托人仍需对债务承担责任”， “担保人只需免除债权人用于从委托人处追回任何损失或损害的时间及资源，包括律师费、诉讼费、车马费、利息等）
A surety is most common in contracts in which one party questions whether the counterparty in the contract will be able to fulfill all requirements. The party may require the counterparty to come forward with a garantor to reduce risk, with the guarantor entering into a contract of suretyship. This is intended to lower risk to the lender, which might, in turn, lower interest rates for the borrower. A surety can be in the form of a surety bond. （这一段就基本上完全解释了我上面告诉大家的东西，因为许多人看文章有个坏毛病，根本没有看清楚全文，就自以为是地按常识或自己的想象去理解一个专业的东西，以致在传达给下一个人的时候，完全把意思弄错了。）
KEY POINTS (几个要点）：
1\A surety is a person or party that takes responsibility for the debt, default, or other financial responsibilities of another party.
担保是个人或一方替另一方承担债务、违约或其他财务责任的行为。
2\A surety is often used in contracts in which one party’s financial holdings or well-being are in question and the other party wants a guarantor.
担保通常用于一方的金融资产或财务利益存在问题而另一方要求提供担保的合同中。
3\Surety bonds are financial instruments that tie the principal, the obligee—often a government entity—and the surety. In the case of surety bonds, the surety is providing a line of credit to the principal to reassure the obligee that the principal will fulfill their side of the agreement.
保证金是把委托人、债权人（通常是政府实体）与担保人联系在一起的金融工具。在保证金的情况下，担保人向委托人提供授信额度，以向债权人保证委托人将履行他们一方的协议。
What Is a Surety Bond? 【什么是保证金 （担保书）？】
A surety bond is a legally binding contract entered into by three parties: the principal, the obligee, and the surety. The obligee, usually a government entity, requires the principal, typically a business owner or contractor, to obtain a surety bond as a guarantee against future work performance.
担保书（或者叫做保证金合同）是由委托人、债权人和保证人三方订立的具有法律约束力的合同。债权人（通常是政府实体）要求委托人（通常是企业主或承包商）提供担保书作为对未来工作表现的保证。
The surety is the company that provides a line of credit to guarantee payment of any claim. They provide a financial guarantee to the obligee that the principal will fulfill their obligations. A principal’s obligations could mean complying with state laws and regulations pertaining to a specific business license, or meeting the terms of a construction contract.
担保人是提供授信额度以担保支付任何索偿的公司。他们向债权人提供金融担保，即委托人将履行其义务。委托人的义务可能意味着遵守与特定营业执行有关的国家法律法规，或满足建筑合同的条款。
If the principal fails to deliver on the terms of the contract entered into with the obligee, then the obligee has the right to file a claim against the bond to recover any damages or losses incurred. If the claim is valid, the surety company will pay reparation that cannot exceed the bond amount. The underwriters will then expect the principal to reimburse them for any claims paid.
如果委托人未能按照与债权人订立的合同条款交付，则债权人有权对保证金合同提出索偿，以追回由此造成的任何损害或损失。如果索偿有效，担保公司将支付不超过保证金金额的赔偿金。然后，担保人将期望报销（获得偿还）他们所支付出去的任何赔付金额。
The claim amount is retrieved from the principal, either through collateral posted by the principal or through other means.
赔付金融要通过委托人提供的抵押品或其他方式收回。
What is the purpose of a surety? （担保的目的）
A surety is the guarantee of the debts of one party by another. This is intended to lower risk to the lender, which might, in turn, lower interest rates for the borrower.
（政府的项目一般是很难获得的，而且政府也不愿意承担任何不确定的财务风险，所以任何企业想获得政府的合同，一般都得提供财务担保。当然，政府的合同是很肥很甜的，花一点担保费也是值得的。）
What is a surety limit?
A surety bond protects an obligee against losses, up to the limit of the bond. The bond amount is the monetary limit up to which the obligee requires the bond to be issued.
（这种金额一般都不仅仅债务或合同的金额，还会包括利息等相关费用。）
What are the benefits available to a surety?
Surety bonds provide a defense against false claims and act as clear-cut representation when claims occur. Because surety bonds also lower risk for lenders, they can reduce interest rates for borrowers.
（对担保人的好处，当然是担保费的收入呀。一般来说，有资格获得政府项目的公司都不会太差，所以担保人为委托人提供担保还是一门很不错的生意。当然啰，风险肯定也是有的，比如遇到自然灾害或者突发公共卫生紧急状态等事件而造成重大损失以致合同无法按时交付等，担保公司所承担的风险也是非常大的，特别是委托人破产倒闭情况的出现，担保方甚至都无法追索回赔付出去的资金。）
此文仅为信息分享，非为任何保险、投资、理财的意见或建议，若您有此方面的问题，请联系我咨询，电话4163004768.
