银行按揭贷款合同回购条款的法律分析

发布时间：2018-02-20 00:20

本文关键词： 担保法回购担保再买卖约定保证条款非典型担保物权　出处：《南方金融》2017年01期 　论文类型：期刊论文

【摘要】：信贷实践中一些涉及购房、购车的银行按揭贷款合同中包含回购条款,但我国现行法律法规并没有明确规定这类回购条款的法律属性及其效力。在理论研究中,学界、业界对回购条款的性质存在争议;在司法实务中,由于回购条款的表述不一,法院在案件审理时适用法律不统一,可能导致同案不同判的情形。本文提出,回购条款既不是再买卖约定,也不是保证条款,其实质是非典型的担保物权,因而司法实务中不宜以法无明文规定为由否定其法律效力。为降低回购条款的司法纠纷风险,建议有关部门提供统一、规范的回购条款模板以供当事方参考,对回购抵押物的实现条件、时间安排、与清偿债务的前后关系、回购价款计算方式以及回购不成功时的后续处理方式等给予明确。
[Abstract]:In the credit practice, some bank mortgage loan contracts involving purchase of houses and cars contain repurchase clauses, but the current laws and regulations of our country have not clearly stipulated the legal attributes and effectiveness of this kind of repurchase clauses. The nature of the repurchase clause is controversial in the industry. In judicial practice, due to the different expression of the repurchase clause, the court may apply different laws in the trial of the case, which may lead to different judgments in the same case. The repurchase clause is neither a repurchase agreement nor a warranty clause, and its essence is an atypical security interest. Therefore, it is not appropriate in judicial practice to deny its legal effect on the grounds that there is no express provision in the law, in order to reduce the risk of judicial disputes of the repurchase clause. It is suggested that the relevant departments provide a uniform and standardized template for repurchase terms for the reference of the parties, the conditions for the realization of the repurchase collateral, the timing of the repurchase, and the relationship between the repurchase terms and the repayment of debts. Repurchase price calculation method and repurchase failure to deal with the way to give clear.
【作者单位】：四川师范大学;
【分类号】：D923.3

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