论我国抵押权顺位制度确立.pdfVIP

摘 要 随着经济、技术的飞速发展，现代社会正经历着深刻复杂的变化。市场的繁 荣和交易的发达也带来了抵押权领域的革新。社会经济生活的变化要求突破传统 抵押权制度的理念，传统抵押权制度中的从属性原则，特定性原则均被突破，抵 押权的独立性，流通性得到发展，使当事人可以根据实际情况在最大范围内运用 抵押权制度促进交易的正常进行，实现利益的合理分配。这就决定了抵押权往往 不能在主体与客体之间建立唯一的对应关系，一旦客体蕴涵的利益不能满足其上 存在的抵押权总价值，此主体对抵押权的享有就与设定在同一客体上的彼主体的 抵押权形成了此消彼长的竞争关系。抵押权顺位问题也因此而产生。对于抵押权 顺位制度，我国民法并未作明确规定。全文首先从现实事例入手,浅谈了抵押权顺 位问题的产生，接着就抵押权顺位的制度价值和利益衡量进行了具体分析，认识 到抵押权顺位原则的确立顺应了商品经济的发展要求，有利于降低交易成本、保 障交易安全促进资金融通和加快商品流通，同时还大大丰富了抵押权制度的内容。 考虑到不同的立法原则对抵押权顺位中各主体的利益有着不同的影响,为更好地 协调各利益主体的关系,于是就德国、瑞士、日本、法国抵押权顺位制度进行了立 法比较，在立足本国国情的基础上,结合在立法比较中所得来的启示,对我国目前 抵押权顺位立法中所存在的问题进行了分析,重点提出了我国应采取以抵押权顺 位升进为原则，以顺位固定为例外的抵押权顺位立法模式。 关键词：抵押权 顺位 顺位固定主义 顺位升进主义 I Abstract Along with the rapid development of economy and technology, the modern society is experiencing a profound and complex change. The market prosperity and the developed transaction have also brought an innovation to the mortgage .The change of the social economy life calls for breaking through the traditional idea of the hypothec system, including the traditionally subordinate principle and the specific principle of it. Meanwhile , the independence and the negotiability of it has developed which enables the party to utilize the mortgage system to promote the normal transaction in the most wide range according to the actual situation , so as to realize the rational distribution of the benefit. But the real situation is that the resources as a object of the real right is limited, if the party want to exchange the benefit of the real right to gather the biggest benefit from the relative person , they should exchange the real right benefit with different people even for several times, (for example in an identical object, there may be existing several mortgages), which has decided that the real right often can not be estab