张家港市土地使用权重复抵押融资模式探析

发布时间：2019-06-08 18:06

【摘要】：随着张家港市经济的不断发展壮大,以中小型企业为主的市场主体为扩充融资渠道,补充资金,加速发展,以其固定或无形资产设定数个抵押权向各类金融机构申请融资贷款为比较常见的融资方式,这一方式的常见性导致以同一资产设定多个抵押债权的重复抵押现象非常普遍。《中华人民共和国物权法》中只是对重复抵押这一债权行为进行了比较模糊的规定,对于该行为发生过程中的具体事项以及影响因素均未作出明确的解释。因此根据相关法律文献,并结合该市土地抵押融资实际,本论文就该市土地使用权重复抵押融资模式进行探析。我国法律《担保法》虽允许重复抵押,但超额重复抵押是明确禁止的,而2007年3月最新出台的《物权法》中关于该内容的规定已经被取消。本篇文章将在开始部分在对土地使用权重复抵押行为的合理性、合法性等方面进行分析与论述之后,结合抵押权的性质、必要性,以及当事人的意思表示等,得出这样一个结论：重复抵押的产生是具有合理性和有效性的。各个地区可以根据经济发达情况,在具体实施的时候根据现行政策规定进行不同程度的完善和创新。本论文首先对土地使用权抵押的概念及国内外土地抵押融资的现状进行对比分析,总结国外先进的抵押融资经验,并探讨出对于我国土地使用权抵押融资的启示。本论文第二部分详细论述了土地的价值,并从法律角度出发研究抵押权,并将《物权法》与《担保法》合并分析,找出重复抵押必要性和可行性的法律依据。第三部分就国内现行企业土地使用权重复抵押模式进行阐述,对目前运行的现状和不足进行分析,并从国外的运作模式中对比出可供借鉴的先进经验。第四部分就张家港市目前的土地和土地情况进行概述,分别就张家港市试行重复抵押融资模式的必要性和可行性进行分析。论文的第五部分以张家港市企业发展现状为案例,进行实例分析,重点分析土地使用权的重复抵押融资模式存在问题和困难,政府如何推动和创新,并且阐述了张家港市市政府为了进一步解决中小企业融资难问题,除了对当前的抵押政策进行完善和创新外,政府还出台了一系列帮扶措施去帮助企业更好的进行发展壮大。最后第六部分是对当前土地抵押融资模式做展望。
[Abstract]:With the continuous development and growth of Zhangjiagang economy, the main market body of small and medium-sized enterprises is to expand financing channels, replenish funds and accelerate development. It is a more common way of financing to apply for financing loans from various financial institutions with several mortgages set by its fixed or intangible assets. The commonness of this method leads to the phenomenon of repeated mortgage of multiple mortgaged claims with the same asset. The property Law of the people's Republic of China only makes vague provisions on the behavior of double mortgage. There is no clear explanation for the specific matters and influencing factors in the process of the occurrence of the behavior. Therefore, according to the relevant legal literature, and combined with the reality of land mortgage financing in the city, this paper analyzes the repeated mortgage financing model of the land use right in the city. Although the guarantee Law of our country allows repeated mortgage, the excess repeated mortgage is explicitly prohibited, and the provisions on this content in the latest property Law issued in March 2007 have been cancelled. This article will analyze and discuss the rationality and legality of repeated mortgage of land use right in the beginning part, combined with the nature and necessity of mortgage, as well as the expression of will of the parties, and so on. It is concluded that the emergence of repeated mortgage is reasonable and effective. According to the situation of economic development, each region can perfect and innovate in different degrees according to the current policy and regulations. First of all, this paper compares and analyzes the concept of land use right mortgage and the present situation of land mortgage financing at home and abroad, summarizes the advanced mortgage financing experience of foreign countries, and probes into the enlightenment to the mortgage financing of land use right in our country. In the second part of this paper, the value of land is discussed in detail, and the mortgage is studied from the legal point of view, and the legal basis of the necessity and feasibility of repeated mortgage is found out by combining the property Law with the guarantee Law. The third part expounds the current mode of repeated mortgage of land use right of domestic enterprises, analyzes the present situation and shortcomings of the current operation, and compares the advanced experience that can be used for reference from the operation mode of foreign countries. The fourth part summarizes the current land and land situation in Zhangjiagang City, and analyzes the necessity and feasibility of trying out the repeated mortgage financing model in Zhangjiagang City. The fifth part of the paper takes the present situation of Zhangjiagang enterprise development as an example, analyzes the problems and difficulties of the repeated mortgage financing mode of land use right, and how the government promotes and innovates. And elaborated Zhangjiagang city government in order to further solve the financing problem of small and medium-sized enterprises, in addition to the current mortgage policy to improve and innovate, the government has also issued a series of support measures to help enterprises to better develop and grow. The last part is the prospect of the current land mortgage financing model.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F301.2;F832.4;D923.2

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