论《物权法》对担保制度的完善及对银行信贷业务的影响  

The Impact of the Law of Property on the Improvement of Security Interests and Banking Credit Business

作　　者：刘萍[1] 

机构地区：[1]南开大学法学院,天津300071

出　　处：《金融研究》2009年第12期188-200,共13页Journal of Financial Research

摘　　要：2007年3月通过的《物权法》适应了担保物权制度的新发展,结合中国经济发展现状,对传统担保物权理论予以修正,扩大了可用于担保的财产范围,设立了应收账款质押与动产浮动抵押制度,规范了登记行为,在担保物权实现规则方面做出调整等。凡此种种变化必将给银行信贷担保业务的发展带来崭新契机,但同时也将带来一些不利因素,我们需要运用辨证的眼光,在研究并探讨其利弊的基础上,积极做好应对准备,寻找解决问题的途径,才能切实防范法律风险,从而进一步促进金融业朝着健康良性的方向发展。The Law of Property passed in March 2007 is highly adaptable to the development of security interests. Based on an overall survey of current Chinese economic development, this new law revises the traditional theory of security interests and broadens the range of property that can be guaranteed. Moreover, it establishes a new system of receivable accounts pledge and floating charges, regulates the registration process, and adjusts the rules of property guarantee. With all these changes, opportunities for developing a larger credit guarantee business will be ample, undoubtedly. On the other hand, problems will also emerge. So it is important to view it dialectically. We can start cautiously by analyzing and arguing the strengths and weakness of it first. Based on a thorough observation, we will be able to foresee the problems and figure out a solution when they occur. Thus the risks posed by this new law can be avoided in time and a healthy and favorable development in the field of finance can be guaranteed.

关 键 词：担保物权 应收账款质押 动产浮动抵押 统一登记 

分 类 号：D923.2[政治法律—民商法学] F832.4[政治法律—法学]