中小企业动产担保融资的法律冲突及对策

发布时间：2017-12-30 21:10

本文关键词：中小企业动产担保融资的法律冲突及对策　出处：《预测》2011年06期 　论文类型：期刊论文

【摘要】：越来越多的商业银行在政府的鼓励和自身商业利益驱动下,研究并提供基于供应链金融的中小企业融资,其中动产融资是商业银行为中小企业提供金融服务的较好切入点。但是,2007年《物权法》颁布后,同一动产既能够进行质押,也能够进行抵押,由于现有国内法律体系的缺失,容易造成同一动产下多个担保权冲突,从而导致银行担保物权落空,这种忧虑已经成为商业银行开展中小企业动产担保融资业务的重要障碍。本文深入分析了这种冲突产生的原因及不利影响,并从国内物权法的法律实践出发,对比其他大陆法系国家物权法的相关处理规定,提出强化商业银行的风险控制手段、提升中小企业的法律认识、完善物权法司法解释和动产担保登记查询体系等多方面建议,推动解决中小企业融资难问题。
[Abstract]:More and more commercial banks in driving the government's encouragement and their own commercial interests, research and supply chain finance for SMEs based on the financing, real estate financing is a good starting point for commercial banks to provide financial services for small and medium-sized enterprises. However, the property law promulgated in 2007 < >, the same chattel pledge can also, they can be secured, due to the lack of existing legal system, easy to cause the same chattel under multiple security rights conflict, resulting in a bank guarantee property lost, this concern has become a commercial bank for SMEs to carry out the important barrier property secured financing business. This paper analyzes the reasons and adverse effects of this conflict. And starting from the legal practice of domestic law, the relevant provisions of treatment compared to other countries of the continental law system of property law, puts forward to strengthen the risk control of commercial bank,. We should enhance the legal awareness of small and medium-sized enterprises, improve the judicial interpretation of property law and the registration and inquiry system of chattel guarantee, so as to promote the solution of SMEs' financing difficulties.

【作者单位】：中山大学管理学院;
【分类号】：D922.28;D923;F832.4
【正文快照】： 1引言中小企业融资难问题在美国次债危机引发的全球金融危机背景下显得尤为突出,包括政府、学术界、金融机构等都在为解决此问题而不懈努力。商业银行,作为中小企业融资的主要力量,近几年也将基于资产支持担保的物流金融业务作为开展中小企业金融业务的切入点,开展了一系列探

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