对《民法典》第392条“约定情形”的辨析——人民法院对金融债权司法保护原则的一个重大转变  

Analysis of Article 392"Agreed Situations"of the Civil Code-A Major Transformation of the Judicial Protection Principles for Financial Creditors by People's Courts

作　　者：武中文 Wu Zhongwen(Henan Bosong Law Firm,Zhengzhou,Henan 450000)

机构地区：[1]河南博颂律师事务所,河南郑州450016

出　　处：《河南司法警官职业学院学报》2024年第1期69-72,共4页Journal of Henan Judicial Police Vocational College

摘　　要：《民法典》施行之后,司法判决对混合担保前提下约定各类担保权同时优先的做法不再支持,这是一个重大的变化,这意味司法机关开始更多关注债务人的合法权益。新的法律适用标准对金融机构早已经约定俗成的债权保护模式形成了明显的消极影响,准确理解《民法典》第392条中“约定情形”的内涵与外延就显得非常重要。债权人必须避免担保条款约定中出现“对不同担保权同时拥有优先权”的情形,“同时优先”意味着担保的先后顺序不明确。After the implementation of the Civil Code,judicial judgments no longer support the practice of prioritizing various types of security rights under the premise of mixed guarantees.This is a significant change,which means that judicial authorities have begun to pay more attention to the legitimate rights and interests of debtors.The new legal application standards have had a significant negative impact on the already established debt protection model of financial institutions.Accurately understanding the connotation and extension of"agreed circumstances"in Article 392 of the Civil Code is crucial.Creditors must avoid situations where they have priority over different security rights in the guarantee terms,as"simultaneous priority"means that the order of guarantees is not clear.

关 键 词：混合担保 顺序 优先权约定 约定不明 

分 类 号：DF521[政治法律—民商法学]