流押条款法律效力辨--兼及法律父爱主义立法思想之取舍  

Discrimination of Effectiveness on Pactum Commissorium--Considering the acceptance or rejection of legal paternalism ideology

作　　者：杨善长[1] YANG Shan-chang(School of Law, Nanjing Audit University, Nanjing 211815 China)

机构地区：[1]南京审计大学法学院,江苏南京211815

出　　处：《河北法学》2017年第3期100-111,共12页Hebei Law Science

基　　金：国家社科基金项目<动产担保物权一元化立法研究>(13BFX093);江苏省高校人文社会科学研究项目<动产抵押交易法律制度适用及完善研究>(2016SJB820011)

摘　　要：在大陆法系主要国家,法律对流押条款通常采禁止态度,其立法理由包括:流押条款损害抵押人以及抵押人的其他债权人的利益;流押条款违背抵押权的物权属性。其实,这些理由都经不起推敲。允许流押条款不仅契合私法自治的民法理念,而且有利于降低抵押权的实行成本,在客观上起到促进融资、增加担保交易激励的作用。禁止流押条款的法律规制模式是法律父爱主义指导思想在民事立法中的反映,与民法的私法自治理念不相契合,扼杀了流押条款应有的制度功能。我国未来立法应抛弃法律父爱主义立法思想对流押条款制度安排的影响,改采允许主义立法模式,并通过合同效力规则以及债权人撤销权制度对流押条款进行有效调控,抑制其消极效应,发挥其正面制度功能。In the major civil law countries, the pactum commissorium is banned by law. The legislative reasons for that include： pactum commissorium damages the benefits of mortgagor and his creditor, and pactum commissorium violates the real right nature of mortgage. However, these reasons cannot be pondered. Pactum commissorium is in accord with the civil law concept of autonomy in private law. Furthermore, pactum commissorium could reduce the implementation cost of mortgage, and have incentive effect on financing promotion and secure transaction increase objectively. In the future, Chinese domestic law should abandon the effect on pactum commissorium from the ideology of legal paternalism. In accordance with the modest restraint ideology of civil law, adopt the doctrine of permission as the legislation mode. In the meantime, in order to restrain the negative effect of pactum commissorium and play its positive function, the domestic law should restrict the pactum commissorium by using the regulation of contract effectiveness and provision of creditor＇s right to rescind.

关 键 词：流押条款 效力 抵押权 法律父爱主义 

分 类 号：D923.6[政治法律—民商法学]