进口押汇业务中的担保法律问题研究——兼对《物权法(草案)》担保物权编的修改建议  

On the Legal Problem of Guarantee in Import Mortgage

作　　者：董再强 唐丽英 

机构地区：[1]江阴学院管理系,江苏江阴214400 [2]江阴市人民检察院民行科,江苏江阴214431

出　　处：《甘肃政法学院学报》2005年第6期132-138,共7页Journal of Gansu Political Science and Law Institute

摘　　要：信用证项下的进口押汇业务是已经一项普遍开展的国际贸易融资业务,也是我国商业银行国际业务中非常重要的一个品种,但是关于该业务中担保法律问题,在我国实务界、司法界和学术界都还没有统一科学的界定,这使得该业务在实际操作和司法实践中出现了很多问题,对商业银行的合法权益造成了直接损害。通过比较分析其他国家和地区的法律实践,认为台湾地区的动产抵押制度与德日判例法中让与担保制度能够较好地防范商业银行的法律风险,保护押汇银行的债权。故建议对台湾地区和德日的实践经验予以完善,在物权法立法中设立动产抵押制度或让与担保制度。The business of import mortgage credit under the letter of credit is a kind of financing services of international trade, which is a prevalent business among the international commercial banks and also is a important business in our commercial banks. However, the legal problem of guarantee of this business has not been clearly understood by the circle of law application and academic society, which brought about a great deal of difficulties in practice and directly damaged commercial banks＂ legitimate rights and interests. By making a comparison of law practice in other counties and regions, the system of chattel mortgage in Taiwan and the system of alienated guarantee in the judicial precedent of German and Japan are relatively mature methods that could be applied to preventing law risks and protecting legal interests of commercial banks. So, we should improve the experience of Taiwan region and German - Japan and establish the system of chattel mortgage or alienated guarantee during the course of making law of real right.

关 键 词：进口押汇 信托收据 动产抵押 让与担保 物权立法 

分 类 号：D923.2[政治法律—民商法学] F832.63[政治法律—法学]