对我国浮动抵押制度的再思考-法律专业论文.docxVIP

II II Abstract Rethinking on China’s Floating Charge System 对我国浮动抵押制度的再思考 中文摘要 浮动抵押是 19 世纪 50 年代后期英格兰衡平法首创的一种担保制度。 由于浮动抵押在融资和发挥物的效用方面的优势，该制度很快被大多数 英美法国家广泛运用，并先后为非普通法系的荷兰、挪威、俄罗斯、日 本等国所接受。但正如大多数法律制度利弊互见一样，浮动抵押也不是 十全十美的，浮动抵押是否能有效保护抵押权人的债权是主要争议的焦 点。我国《物权法》中的浮动抵押制度在备受争议和责难中出台了。虽 然《物权法》对浮动抵押的规定只有三个条款，但并不是说其本身很简 单。而正是在市场竞争日益激烈，企业对资金的需求日益扩大，企业作 为最重要的融资主体，以其整体财产作为抵押来担保企业债务的美国， 在 2008 年却爆发了影响全球的次贷危机，导致了一些世界知名的大企业 纷纷破产因此，我国如何针对实际情况，对浮动抵押制度加以研究和借 鉴，进一步完善这一方面的立法，取其精华为我所用，又尽量避免像 2008 年金融危机一样危害，是我们迫切需要解决的问题，这亦是学生选择这 个题目的目的所在。 关键词：浮动抵押 法律分析 反思 作 者：华益峰 指导老师：石 平 III III 对我国浮动抵押制度的再思考 中文摘要 Rethinking on China’s Floating Charge System Abstract Floating charge is a guarantee system originated by England Law of Equity in 1950’s late. Due to the floating charge has a special advantage in financing and effectiveness of property, the system been soon widely used in most common law countries, and used in non-common law of the Netherlands, Norway, Russia, Japan and other countries as well. However as most legal systems disadvantages, floating charge nor is perfect, and floating charge can effectively protect the mortgagee creditor is the main focus of the dispute. The floating charge system was introduced in the controversial and recriminations on the property law of PRC. Although the law on the floating charge only has three terms, but is not to say the system is simple. While market competition is increasing, the enterprise capital needs is also increasing. In the United States, enterprise is the most important financing body, using its entire property as collateral to guarantee the debt. In the year 2008 outbreak of the subprime mortgage crisis affecting the worlds most famous large enterprises have go bankrupt. As a result, how to study and research the floating charge system, further improving this aspect of the legislation to take its essence, and avoid like 2008 years as the financial crisis, is an urgent need to resolve the problem. This is also one reason of the students choose thi