动产质押监管业务的法律属性  

Analyzing the Legal Attributes of Chattel Pledge Supervision

作　　者：丁丽瑛[1] 韩伟[1] 

机构地区：[1]厦门大学法学院,福建厦门361005

出　　处：《中国流通经济》2014年第1期98-104,共7页China Business and Market

摘　　要：动产质押监管业务是物流企业顺应中小企业融资需求,会同银行开发的金融物流服务项目,成为近年物流业争相开拓的一项创新业务。从法律属性来看,首先,在业务名称的规范使用上,要排除仓单或提单等权利出质方式;其次,在业务担保方式的约定及履行上,要遵循物权法定原则,动产存放于监管人仓库模式属于动产质押的担保方式,动产不发生位移而存放于债务人仓库的模式应属动产抵押担保方式,而动产存放于第四方仓库模式则不产生物权担保权能,仅可通过合同来约定各方义务;再次,要注意区分监管与保管的区别,明确监管人的监管义务内容,避免承担过重责任,导致收益与风险的失衡。With the cooperation of banks, chattel pledge supervision is a kind of financial logistic service provided by logistics enterprises to solve the problems of SME financing; it has become one of the innovative businesses with more competition in logistics industry. From the angle of legal attributes, first, in terms of standardized usage of business description, we should exclude some pattern of pledge; second, in terms of agreement and fulfillment of guarantee pattern, we should follow the principle of property law; and third, we should pay more attention to the difference between supervision and storage, clarify the liability of supervisor, avoid the overloaded responsibility leading to the imbalance of income and risk.

关 键 词：动产质押 监管 融资 金融物流 

分 类 号：F124.6[经济管理—世界经济]