中小企业浮动抵押法律问题分析-analysis on legal issues of floating charge in small and medium - sized enterprises.docxVIP

PAGE PAGE III ABSTRACT experience in the developed countries, the shortage and risk in Chinese corporations, especially the SMEs, have also been analyzed. In the last, this paper discussed the improve suggestions from the aspects of legislation, credit agency and the interior of SMEs. This thesis consists of five chapters, of which the body part is composed of three parts: The first part is the overview of the floating charge system. The concept, value and features have been introduced, besides, the legislation evolution and frame have been mentioned in this part as well. In today’s increasingly competitive market, basing on the current status of Chinese SMEs, promoting floating charge is an urgent task to theoretical and practice circles. The second part analyzed the current situation in the operation of SMEs in China, thus to deeply understand the legal risks of this system operation in China. The third part combined with the developed countries operation experience to discuss this mortgage system. This part aimed at the leakage of SMEs in China, including the narrow range of mortgage, the messy rights and obligations, the unspecified order of hypothecation, etc. And then try to seek solutions from three aspects, which are legislation, credit institutions and enterprises themselves. Keywords: Floating charge; SMEs financing; Bank credit risk. 目 目 录 PAGE PAGE IV 目 录 摘要 I ABSTRACT III 引 言 1 第二章 浮动抵押制度的概述 2 2.1 浮动抵押制度的概念和特征 2 2.1.1 浮动抵押制度的概念 2 2.1.2 浮动抵押制度的特征 3 2.2 浮动抵押制度的价值 4 2.2.1 浮动抵押制度的基本价值 4 2.2.2 中小企业中浮动抵押制度的 SWOT 分析 6 2.3 我国浮动抵押制度的立法沿革及其构架 7 2.3.1 我国浮动抵押制度的立法沿革 7 2.3.2 我国浮动抵押制度的立法架构 7 第三章 中小企业浮动抵押制度的运行现状和风险分析 10 3.1 我国中小企业浮动抵押制度的运行现状 10 3.1.1 行政推动浮动抵押制度的运行 10 3.1.2 浮动抵押制度在我国的普及面窄 11 3.2 我国中小企业浮动抵押制度的风险分析 12 3.2.1 浮动抵押制度在我国中小企业运行中的制度风险 12 3.2.2 浮动抵押制度对贷款银行的风险 14 3.2.3 浮动抵押制度对我中小企业自身的风险分析 15 第四章 防范我国中小企业浮动抵押制度运行风险的对策 17 4.1 我国浮动抵押制度和发达国家浮动抵押制度的比较及借鉴 17 4.1.1 英美国家浮动抵押制度的概述及有益借鉴 17 4.1.2 德国抵押制度的概述及对我国的借鉴 20 4.1.3 日本浮动抵押制度的概述及对我国的借鉴 20 4.2.1 完善立法，防范