题目内容
2018年1月，客户王-涛找到河南省郑州市某银行行长张-军，称他向另外一个房地产公司借款1000万元，需要银行作担保。张-军想，如果他同意为其担保的话，那么这笔巨款就会在他所在的银行流转，这真是难得的提升业务量的好机会啊，他很爽快地就同意了。不久，王-涛拿来一份空白还款保函，张-军在备注栏处写上：受益人到期如不能按时还款，由银行负连带责任，并无条件支付本金及利息；张-军并在行长签字处签上自己的名字，还加盖了该银行公章。但是，借款到期后，王-涛并未按合同归还欠款，而是时躲时藏。债权人于是起诉银行，要求银行承担连带保证责任。郑州市中级法院判决银行承担连带保证责任。张-军违反公司章程规定，未经股东大会决议，以银行名义为上述借款出具还款保函，情节严重，构成违规出具金融票证罪。
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