“楼花”按揭制度研究
发布时间：2018-11-13 09:19
【摘要】： 20世纪80年末90年代初，我国房地产实务中出现了一种新的担保方式：楼花按揭，它正成为城镇居民购买房屋的主要途径，同时这种新的担保方式的出现给我国的担保法律制度提出了新的课题。 文章第一部分介绍了楼花按揭制度立法例。首先，，介绍了英美按揭制度的形成和发展，明确按揭制度的内涵。接着，介绍香港楼花按揭制度概况，最后，论述楼花按揭制度在我国是如何确立和发展的，并对香港和内地的楼花按揭制度进行了比较。 文章第二部分论述了楼花按揭制度的基本理论。首先，论述了楼花按揭的概念和特征。接着，论述了楼花按揭设定的基本过程及楼花按揭中涉及到的法律关系，并对楼花按揭的公示进行了分析。最后，讨论了楼花按揭的效力问题。 文章第三部分对楼花按揭实务中常见问题进行了论述。首先，分析了建筑商法定优先受偿权与银行，预购方权益冲突并提出了解决办法。其次，对楼花再抵押的效力问题进行了分析。最后，对楼花按揭格式合同中常见的不合理条款提出了解决办法。 文章第四部分论述了楼花按揭银行常见的风险及如何防范的问题。首先，介绍了楼花按揭中银行常见风险，在此基础上，分别论述了楼花按揭担保、楼花按揭保险、住房抵押贷款证券化对银行风险防范的意义，并对如何防范银行风险提出了作者的建议。
[Abstract]:In the late 1980s and early 1990s, a new way of guarantee appeared in the practice of real estate in our country: mortgage of uncompleted buildings, which is becoming the main way for urban residents to buy houses. At the same time, the emergence of this new way of guarantee for our legal system of security proposed a new topic. The first part of the article introduces the legislative example of the mortgage system of uncompleted buildings. First of all, it introduces the formation and development of the mortgage system in Britain and America, and clarifies the connotation of the mortgage system. Then, it introduces the general situation of the mortgage system in Hong Kong, and finally, discusses how to establish and develop the mortgage system in China, and compares the mortgage system between Hong Kong and the mainland. The second part of the article discusses the basic theory of the mortgage system. First of all, the paper discusses the concept and characteristics of the mortgage. Then, it discusses the basic process of mortgage setting and the legal relationship involved in the mortgage, and analyzes the publicity of the mortgage. Finally, the effectiveness of the mortgage is discussed. The third part of the article discusses the common problems in the practice of residential mortgage. Firstly, the author analyzes the conflict between the legal priority of the builder and the bank, the prebuyer's rights and interests, and puts forward some solutions. Secondly, the effectiveness of remortgage of uncompleted flats is analyzed. Finally, the common unreasonable clauses in the mortgage format contract are put forward. The fourth part discusses the common risks and how to prevent the mortgage bank. First of all, the paper introduces the common risks of banks in the mortgage, and on this basis, discusses the significance of mortgage guarantee, mortgage insurance, mortgage securitization to the bank risk prevention, respectively. And put forward the author's suggestion on how to prevent the bank risk.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2003
【分类号】：D923
本文编号：2328670
[Abstract]:In the late 1980s and early 1990s, a new way of guarantee appeared in the practice of real estate in our country: mortgage of uncompleted buildings, which is becoming the main way for urban residents to buy houses. At the same time, the emergence of this new way of guarantee for our legal system of security proposed a new topic. The first part of the article introduces the legislative example of the mortgage system of uncompleted buildings. First of all, it introduces the formation and development of the mortgage system in Britain and America, and clarifies the connotation of the mortgage system. Then, it introduces the general situation of the mortgage system in Hong Kong, and finally, discusses how to establish and develop the mortgage system in China, and compares the mortgage system between Hong Kong and the mainland. The second part of the article discusses the basic theory of the mortgage system. First of all, the paper discusses the concept and characteristics of the mortgage. Then, it discusses the basic process of mortgage setting and the legal relationship involved in the mortgage, and analyzes the publicity of the mortgage. Finally, the effectiveness of the mortgage is discussed. The third part of the article discusses the common problems in the practice of residential mortgage. Firstly, the author analyzes the conflict between the legal priority of the builder and the bank, the prebuyer's rights and interests, and puts forward some solutions. Secondly, the effectiveness of remortgage of uncompleted flats is analyzed. Finally, the common unreasonable clauses in the mortgage format contract are put forward. The fourth part discusses the common risks and how to prevent the mortgage bank. First of all, the paper introduces the common risks of banks in the mortgage, and on this basis, discusses the significance of mortgage guarantee, mortgage insurance, mortgage securitization to the bank risk prevention, respectively. And put forward the author's suggestion on how to prevent the bank risk.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2003
【分类号】：D923
【引证文献】
相关硕士学位论文 前2条
1 蒲嘉;商品房按揭的几个法律问题研究[D];西南政法大学;2006年
2 张文祥;商品房按揭法律问题研究[D];复旦大学;2008年
本文编号：2328670
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