《民法典》时代所有权人抵押权的解释续造  

The Interpretation and Rebuilding of Titleholder's Mortgage in the Era of the Civil Code

作　　者：方乐坤 FANG Lekun

机构地区：[1]西南政法大学民商法学院

出　　处：《中国政法大学学报》2024年第3期168-178,共11页Journal Of CUPL

摘　　要：尽管我国《民法典》未直接规定所有权人抵押权,但该制度的存在根据不应因此被忽视。所有权人抵押权可以防止后顺位抵押权人获得不当利益,其与抵押权的附随性和不可分性规则并不冲突;同时,该制度在启发我国农地经营权抵押融资的路径选择、回应我国融资租赁业发展的实际需求、对接《民法典》抵押物转让通知主义规则等方面均有其本土实践价值。在我国《民法典》时代,宜在司法解释层面上实现对该制度的续造:依据《民法典》第406条第1款第3句解释出后发的所有权人抵押权;立足《农村土地承包法》第47条解释出土地(经营权)债务;保留“融资租赁合同解释”第9条第2项的规定,并明确规定融资租赁中所有权人抵押权的履行效力。Although our Civil Code does not directly stipulate the titleholder’s mortgage,the existence value of this system should not be ignored.The titleholder’s mortgage can prevent the subsequent mortgagee from obtaining improper benefits,and it does not conflict with the rules of dependency and inseverability of the mortgage right.At the same time,the system has its practical value such as enlightening us to choose the right plan of China’s mortgage and financing of farmland management right,meeting the development needs of our financial leasing industry,and docking with the notifying rule for transferring collaterals in our Civil Code.In the era of our Civil Code,it is advisable to rebuild the titleholder’s mortgage through judicial interpretation.The subsequent titleholder’s mortgage can be explained according to Article 406,Paragraph 1,Sentence 3 of the Civil Code.Based on Article 47 of the Law on Land Contract in Rural Area,the debt on land operating rights can be explained.And it is recommended to retain the provisions of Article 9,Paragraph 2 of the Interpretation of the Supreme People’s Court on Issues concerning the Application of Law in the Trial of Cases Involving Disputes over Financial Leasing Contracts and clearly specify the enforceable effect of the titleholder’s mortgage in the financial leasing.

关 键 词：所有权人抵押权 抵押权顺位 土地债务 

分 类 号：D923[政治法律—民商法学]