试论地震后房屋灭失所引发的贷款合同履行问题
发布时间：2018-08-19 17:59
【摘要】：自从“5·12”汶川大地震发生后，房屋灭失的贷款房主对贷款合同的履行问题成为社会焦点，同时引起金融和法学界的一番大讨论。时至今日，在过去的几年里，这场讨论仍然没有结束，许多法学界的学者对这一问题提出了自己的法学见解，进行法理分析，通过各种法学理论寻求解决方案。 之所以对震后房屋灭失引发的贷款合同履行问题如此“穷追不舍”，不仅因为它是一个有待于解决的现实问题，，更因为它指出了我国在法律方面的立法漏洞，包括法律适用的解释，地震保险的缺位以及个人破产的缺失。同时，也为我国建立防御和应对地震灾害的相关法律制度起到了启示作用。本文正文分为以下三部分： 第一章：通过介绍四川大地震中的一个典型案例，提出灭失房屋贷款合同履行存在的问题，并对解决合同履行问题的思路和银行政策进行讨论和分析。 第二章：依据对灭失房屋贷款合同履行问题进行法理分析，从而确定法律责任和风险转移，指出我国在《合同法》中不可抗力所存在的缺陷及情事变更原则的适用，探讨房屋灭失所引发的贷款合同履行障碍。 第三章：针对上述履行障碍问题，对震后房屋灭失所引发的贷款合同履行问题提出救济途径和思路，包括地震保险的健全和个人破产制度的建立。
[Abstract]:Since the "May 12" Wenchuan earthquake, the problem of the implementation of the loan contract by the house owners has become the focus of the society, and it has caused a great discussion in the financial and legal circles at the same time. Up to now, in the past few years, the discussion is still not over. Many scholars in the field of law have put forward their own legal opinions on this issue, analyzed the jurisprudence, and sought solutions through various legal theories. The reason why the question of the performance of loan contracts caused by the loss of houses after the earthquake is so "pursued" is not only because it is a practical problem to be solved, but also because it points out the legal loopholes in our country. Including the interpretation of the application of the law, the absence of earthquake insurance and the absence of personal bankruptcy. At the same time, it also plays an enlightening role in establishing the relevant legal system of preventing and responding to earthquake disaster in our country. The text of this paper is divided into the following three parts: the first chapter: by introducing a typical case of the Sichuan earthquake, the problems existing in the performance of the lost house loan contract are put forward. And to solve the problem of contract performance ideas and banking policy for discussion and analysis. Chapter two: based on the legal analysis of the performance of the lost house loan contract, the legal liability and risk transfer are determined, and the defects of force majeure in the contract law and the application of the principle of circumstance change are pointed out. This paper discusses the obstacles to the performance of the loan contract caused by the loss of the house. Chapter three: aiming at the above problems, the author puts forward the ways and ideas of relief to the problems of the performance of loan contracts caused by the loss of houses after the earthquake, including the perfection of earthquake insurance and the establishment of personal bankruptcy system.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D923.6
本文编号：2192399
[Abstract]:Since the "May 12" Wenchuan earthquake, the problem of the implementation of the loan contract by the house owners has become the focus of the society, and it has caused a great discussion in the financial and legal circles at the same time. Up to now, in the past few years, the discussion is still not over. Many scholars in the field of law have put forward their own legal opinions on this issue, analyzed the jurisprudence, and sought solutions through various legal theories. The reason why the question of the performance of loan contracts caused by the loss of houses after the earthquake is so "pursued" is not only because it is a practical problem to be solved, but also because it points out the legal loopholes in our country. Including the interpretation of the application of the law, the absence of earthquake insurance and the absence of personal bankruptcy. At the same time, it also plays an enlightening role in establishing the relevant legal system of preventing and responding to earthquake disaster in our country. The text of this paper is divided into the following three parts: the first chapter: by introducing a typical case of the Sichuan earthquake, the problems existing in the performance of the lost house loan contract are put forward. And to solve the problem of contract performance ideas and banking policy for discussion and analysis. Chapter two: based on the legal analysis of the performance of the lost house loan contract, the legal liability and risk transfer are determined, and the defects of force majeure in the contract law and the application of the principle of circumstance change are pointed out. This paper discusses the obstacles to the performance of the loan contract caused by the loss of the house. Chapter three: aiming at the above problems, the author puts forward the ways and ideas of relief to the problems of the performance of loan contracts caused by the loss of houses after the earthquake, including the perfection of earthquake insurance and the establishment of personal bankruptcy system.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D923.6
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