论抵押权证券化  

On the Securities of Mortgage Right

作　　者：尚彦卿[1] 

机构地区：[1]西南政法大学研究生院,重庆400031

出　　处：《华北水利水电学院学报（社会科学版）》2003年第2期78-81,共4页Journal of North China Institute of Water Conservancy and Hydroelectric Power(Social Sciences Edition)

摘　　要：　抵押是担保制度的重要组成部分。我国民法理论强调抵押权之附随性,即附随于其所担保的特定债权。但是过分强调抵押权的附随性,有碍交易便捷和交易成本的最优化。德国、日本和瑞士等国通过抵押权的证券化,在充分发挥了抵押制度担保债权维护信用之功能的同时,亦保证了交易便捷和交易成本的最优化,使这一矛盾得以缓和。这一立法模式可兹借鉴。Mortgage is an important part in the guarantee system, whose subordinate character is emphasized in our theory of civil law. That is to say, mortgage is attached to specific credit. Too much emphasis on the subordinate character of mortgage, however, will undoubtedly hinder the liquidity and the minimizing of the transaction cost. Civil laws of Germany, Japan and Switzerland, through the changing into securities of mortgage, make full use of securing specific credit as well as secure the liquidity and the minimizing of transaction cost, which set a good example for our civil legislation.

关 键 词：抵押权证券化 担保制度 经验借鉴 民法 抵押权 附随性 德国 日本 瑞士 交易便捷原则 交易成本 最优化 信用 

分 类 号：D923[政治法律—民商法学] D913[政治法律—法学]