浅论浮动抵押制度.doc

论浮动抵押制度 中文摘要 浮动抵押制度首先出现在英格兰法，相较于其他担保物权而言，浮动抵押 制度有着明显的优势。浮动抵押制度的最大特点就是允许抵押人在浮动抵押期 间，依旧持有对抵押财产的处分权利，可以在抵押期间对抵押财产进行正常的 生产经营活动。这一特点使得抵押物的价值得到最大化的实现，在各类融资手 段当中，浮动抵押的方式受到了各国的广泛欢迎。 我国《物权法》的制定中， 也引进了浮动抵押的制度。并且围绕着浮动抵押制度出台了相关法规和司法解 释。然而，浮动抵押制度在我国才刚刚起步，浮动抵押制度不但与我国传统的 相关制度有冲突，而且在立法上和实践上都存在这一定的缺陷。 本文开篇先行介绍了浮动抵押制度的基本情况，其中包括浮动抵押的概念、 特征等方面问题，紧接着重点阐述了浮动抵押的历史发展和浮动抵押在世界各 国的发展情况，进而引出对我国的浮动抵押制度的具体分析。 本文采用了分析、比较、综合、演绎推理等学术论证方法，对我过浮动抵 押制度从实体性制度和程序性制度上进行了详细描述。并随之提出了我国浮动 抵押制度的存在的问题。进而通过文章最后针对我国浮动抵押制度的问题提出 自己的完善意见。  关键词：浮动抵押  完善 实体制度 I  程序制度 The theory of floating charge system Abstract Floating mortgage system first appeared in English law, other than a security interest is concerned, floating mortgage system has obvious advantages. The most important feature of the system is to allow floating charge mortgagor during floating charge, still holds the rights to dispose of the mortgaged property, the property can be secured for normal production and business activities during the mortgage. This feature makes the value of the collateral has been maximized to achieve, among the various types of financing instruments, floating charges received a manner widely welcomed countries. Development of China Property Law, but also introduced a floating charge system. And around the floating charge system introduced the relevant regulations and judicial interpretations. However, the floating charge system in China has just started, floating mortgage system is not only associated with our traditional system of conflict, but there are some flaws in it and practice on the legislation. This paper first introduces the basic situation begins floating charge system, including the concept of a floating charge, features and other aspects of the problem, followed by focusing on the development of the historical development of floating charges and floating charges in the world, and thus leads to our floating Specific analysis of mortgage system. In this paper, the analysis, comparison, synthesis, deductive reaso