金融创新视角下的商铺租赁权担保:体系定位与法律效力

发布时间：2018-06-23 02:55

本文选题：商铺租赁权 + 不动产租赁权　；参考：《山东大学学报(哲学社会科学版)》2017年06期

【摘要】：商铺租赁权担保是商圈融资中的金融担保创新品种。目前信贷实践中的商铺租赁权质押贷款模式面临着诸多解释上的困境,商铺租赁权质权在市场管理方办理登记的法律效力仍有待确定。虽然可以经由解释承认商铺租赁权质权的效力,但解释路径略显牵强。在权利担保物权的抵押、质押二分的体例之下,商铺租赁权设定担保之后,租赁权人仍须行使商铺租赁权,属于用益型担保,应属权利抵押权范畴。商铺租赁权抵押权应以登记作为公示方法,且登记是商铺租赁权抵押权的生效要件。在不动产登记的先登记原则之下,商铺租赁权抵押权的登记以商铺租赁权先办理登记为前提。就此,应在中国民法典编纂之时予以明确。
[Abstract]:Shop Lease right guarantee is an innovative financial guarantee in business district financing. At present, the mortgage loan mode of shop lease right in credit practice is faced with many difficulties in explanation, and the legal effect of the registration of the pledge right of shop lease right in the market management still needs to be determined. Although we can recognize the validity of the right of leasehold by interpretation, the way of explanation is a little far-fetched. Under the method of mortgage and pledge, the leaseholder still has to exercise the right of shop lease, which belongs to the category of right mortgage and belongs to the category of usufruct security. The registration should be taken as the public way and the registration is the effective condition of the mortgage of the shop lease right. Under the principle of the registration of immovable property, the registration of the mortgage of commercial premises is based on the registration of the right to lease. This should be made clear when the Chinese Civil Code is codified.
【作者单位】：中国人民大学民商事法律科学研究中心;中国人民大学法学院;
【基金】：中国人民大学科学研究基金(中央高校基本科研业务费专项资金资助)研究品牌计划基础研究项目“中国民法典担保法立法研究”(17XNI001)
【分类号】：D923.2

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