最高额抵押若干实务问题研究.pdfVIP

第 19 卷第2 期 扬州职业大学学报 Vo l. 19 No.2 2015 年6 月 Joumal of Yanl!;zhou Polytechnic Collel!;e Jun.2015 最高额抵押若干实务问题研究 冯辉 (宁波市房产交易中心，浙江宁波 315∞0) 摘 要:最高额抵押以所担保债权的不确定性为基本特征。最高额抵押担保债权限额是抵押法律关 系权利义务界限的依据，应当具有明确的判别标准，本金最高限额因不确定性，不应作为债权限额标准，应采 用债权最高限额;担保债权范围方面需充分尊重当事人自由意思表示，不应对债权种类加以限制;最高额抵押 所担保债权的不确定性与反担保所担保求偿权的已确定存在内在逻辑冲突，不能作为反担保形式。 关键词:最高额抵押;债权限额;债权范围;反担保 中图分类号:D 923 文献标识码:A 文章编号:1 ∞8 - 3693 (2015 )02 -∞28 -04 Some Practical Problems to the Maximum Amount Mortgage FENG Hui (Real Estate Trading Center of Ningbo , Ningbo 315∞0 ， China) Abstract: The maximum amount mortgage takes uncertainty of the secured credit as the basic characteris- tic. As the basis of limiting rights and obligations of mortgage legal relationship , the maximum mortgage credit limit must have clear criteria and adopt the debt ceiling. The maximum principal amount should not be taken as the criteria of the credit limit due to its uncertainty. The participants freedom willingness on the scope of the secured credit should be fully respected , and the types of credit should not be limited. There is intemal logic conflict between the uncertainty of the secured credit of maximum amount mortgage and the certainty of the right of claim secured by counter-♂larantee ， and therefore the maximum amount mortgage can not be taken as the form of counter-♂larantee. Key words: maximum amount mortgage; credit limit j credit range; counter-guarantee 我国的最高额抵押制度自 1995 年《担保法》 额两种方式，两者对于担保债权之范围包括原债 实施为肇始，2007 年《物权法》对其行了修正和补 权、利息、迟延利息及约定担保之违约金，并无不 充。但面对自由市场经济及其形式多样化，最高