区块链技术对担保制度的革新——以让与担保为视角  

The Innovation of the Guarantee System by Blockchain Technology from the Perspective of Transferring Guarantee

作　　者：陶欢 TAO Huan(Shanghai Maritime University,Shanghai 200120)

机构地区：[1]上海海事大学法学院,上海200120

出　　处：《浙江万里学院学报》2022年第6期43-48,共6页Journal of Zhejiang Wanli University

摘　　要：《民法典》采取形式担保与实质担保相结合,扩大担保合同适用范围,可执行的智能合约实际上发挥担保物权功能,可以将其纳入其他具有担保功能的合同。区块链分类式账本可以起到公示和控制作用,具有极强的证明效力,发挥物权公示作用,有助于消除隐形担保。区块链下的数字资产属于物权客体范围,执行资产与债务不履行内容相当,合约会自动触发并启动清算流程进行担保品拍卖,为消除让与担保带来的困境,以区块链和智能合约共同构建担保物权。The Civil Code adopts a combination of formal guarantees and substantive guarantees to expand the scope of application of guarantee contracts.Executable smart contracts actually play the function of security interests and can be incorporated into other contracts with guarantee functions.The blockchain ledger can play the role of publicity and control,has a strong proof effect and plays the role of publicity of property rights.It helps to eliminate invisible guarantees.The digital assets under the blockchain belong to the object scope of real rights.If the content of non-performance of debts is equivalent,the contract will automatically trigger and start the liquidation process for collateral auction in order to eliminate the dilemma caused by transferring guarantee.The blockchain and smart contracts are used to jointly build security interest.

关 键 词：担保物权 让与担保 区块链 智能合约 自动执行 

分 类 号：DF521[政治法律—民商法学]