最高额抵押债权确定时间点的判定——以抵押物被查封、扣押为基点  

Determination of the Time Point for Determining the Maximum Amount of Mortgage Debt——Based on the Seizure of Collateral

作　　者：韩煦[1] HAN Xu(East China University of Political Science and Law,Shanghai 200042,China)

机构地区：[1]华东政法大学,中国上海201620

出　　处：《上海商学院学报》2018年第4期78-83,共6页Business Economic Review

摘　　要：目前,《物权法》第206条规定了债权确定事由,但是就抵押物被查封、扣押而言,其暗含的债权确定时间点与《最高人民法院关于人民法院民事执行中查封、扣押、冻结财产的规定》第24条规定的时间点不一致,由此引发争议。理论中对此分为主观说和客观说两种,但抵押物被查封、扣押的情形涉及到了抵押人、抵押权人和保全申请人三方的利益,因此,不应局限于倾斜保护某一方的利益,而应对此做一个权衡,从主客观相结合的角度重新解读此情形下债权确定的时间点,在坚持立法目的的前提下,实现三方利益的平衡。Currently,Article 206 of the Property Law stipulates the determination of creditor＇s rights,but in terms of the seizure of collateral,the determination of time point for creditor＇s right remains controversies in the provisions of the Supreme People＇s Court on the seizure of collateral and assets freezing in the civil execution of the people＇s court.In theory,both subjective and objective theories are accepted.However,the seizure of collateral involves the interests of the mortgagor,the mortgagee and the preservation of the applicant.It should not be limited to the protection of one party.The interests should be weighed against it.From the perspective of the combination of subjectivity and objectiveness,we should re-interpret the point in time when the creditor＇s rights were determined in this situation,and achieve the balance of the interests of the three parties under the premise of persisting in the purpose of legislation.

关 键 词：最高额抵押 查封扣押 主观说 客观说 最长期间 

分 类 号：D923.2[政治法律—民商法学]