我国浮动抵押制度的缺陷与完善

发布时间：2018-12-07 14:24

【摘要】：随着我国市场经济的快速发展,中小企业在经济发展中起到越来越重要的作用,但是中小企业融资困难的问题也日益严重,传统的融资担保模式已经不能满足目前中小企业的融资需求,需要引入一种新的制度来进行补充。浮动抵押制度起源于英美法系,为这些国家的经济发展作出了巨大的贡献。2007年3月16日《中华人民共和国物权法》颁布,首次引入了浮动抵押制度,该制度的引进是我国物权法与时俱进的体现,同时对我国市场经济发展具有重要的意义。浮动抵押制度本身起源于国外并在国外具有较为完整的模式和完善的内容,而这也为我国浮动抵押制度的发展和完善提供了宝贵的经验和参考,但浮动抵押作为一个新鲜的制度,虽然《物权法》进行了规定,但法律条文设计较为简单,缺乏相关配套制度,未能形成完整的体系。浮动抵押制度在立法和实际运行中都存在较大的缺陷。本文通过对浮动抵押制度的概念、特征及意义的归纳,运用比较研究的方法,通过浮动抵押制度与最高额抵押制度、财团抵押制度的对比,对浮动抵押制度进行系统的分析。浮动抵押制度本身起源于国外并在国外有较为完整的模式和完善的内容,本文对浮动抵押制度在其他国家的规定和运行模式做了相关考察,同时结合浮动抵押制度在我国立法和实践中存在的一些问题,通过国内外浮动抵押制度的对比分析,进而提出浮动抵押制度完善的相关建议。
[Abstract]:With the rapid development of market economy in China, small and medium-sized enterprises (SMEs) play a more and more important role in economic development. However, the problem of financing difficulties of SMEs is becoming more and more serious. The traditional financing guarantee mode can not meet the current financing needs of small and medium-sized enterprises, so it is necessary to introduce a new system to supplement it. The floating charge system originated from the common law system and made great contributions to the economic development of these countries. On March 16, 2007, the Law of the people's Republic of China on Real Rights promulgated the floating charge system for the first time. The introduction of this system is the embodiment of the development of property law in our country, and it is of great significance to the development of market economy in our country. Floating charge system itself originated from abroad and has relatively complete mode and perfect content in foreign countries, which also provides valuable experience and reference for the development and perfection of floating charge system in our country. But floating charge as a new system, although "property Law" has been stipulated, but the legal provisions are relatively simple design, lack of relevant supporting system, failed to form a complete system. Floating charge system has great defects in legislation and practice. In this paper, the concept, characteristics and significance of the floating charge system are summarized. By the comparison of the floating charge system with the maximum amount mortgage system and the consortium mortgage system, the floating charge system is systematically analyzed by using the method of comparative study. The floating charge system itself originated from abroad and has relatively complete mode and perfect content in foreign countries. This paper makes a related investigation on the regulation and operation mode of floating charge system in other countries. At the same time, combined with some problems existing in the legislation and practice of the floating charge system in our country, through the comparative analysis of the floating charge system at home and abroad, this paper puts forward the relevant suggestions for the improvement of the floating charge system.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D923.2

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