论担保物权“一般规定”的修改

发布时间：2018-07-22 13:34

【摘要】：民法典物权法担保物权编编纂之时,应在《担保法》《担保法司法解释》和《物权法》相关规定的基础上,完善其一般规定。承认当事人可依约定突破担保物权的从属性,为担保物权作为金融投资工具预留空间;明确未经登记的担保范围不具有对抗第三人的效力,减少第三人信息归集成本并避免不测的损害;肯定流质(抵)契约以担保物的所有权抵偿债务的效力,但强制性地赋予担保权人以清算义务,完备担保物权私的实行方法;明定担保物权人未在主债权诉讼时效期间行使担保物权的,担保物权消灭,同时就动产抵押权和应收账款质权,允许当事人就登记有效期间做出约定;明定物上保证人对于债务人的代位权与求偿权,完善担保人权利保护体系;在人的担保与物的担保并存的情形下,赋予债权人自由选择权,同时允许当事人之间就担保权实现顺序或份额做出例外约定,承认担保人之间在没有顺序利益的前提下的内部求偿关系。
[Abstract]:When compiling the real right of security in the civil code, we should perfect the general provisions on the basis of the judicial interpretation of the guaranty law and the relevant provisions of the property law. Acknowledging that the parties may, by agreement, break through the subordinate nature of the security interest and reserve space for the security interest as a financial investment instrument; and to make it clear that the unregistered scope of the guarantee is not effective against third parties, To reduce the cost of collecting third party information and to avoid unexpected damage; to affirm the validity of a liquid (offset) contract to compensate the debt with the title of the security, but to impose a mandatory liquidation obligation on the security right holder, and to complete the method of implementing the private security interest; If the defined real right of security does not exercise the right of security during the limitation period of action of the principal creditor's rights, the real right of security shall be extinguished, at the same time, the parties shall be allowed to make an agreement on the period of validity of registration for the mortgage of movable property and the pledge of accounts receivable; To perfect the system of surety's right protection for the debtor's right of subrogation and claim, and to give the creditor the right to choose freely in the case of the coexistence of the guarantee of the person and the guarantee of the property, At the same time, it allows the parties to make an exceptional agreement on the order or share of the realization of the security right, recognizing the internal claim relationship between the guarantors without sequential interests.
【作者单位】：中国人民大学民商事法律科学研究中心;
【基金】：中国人民大学中央高校基本科研业务费专项资金资助研究品牌计划基础研究项目“中国民法典担保法立法研究”(17XNI001)
【分类号】：D923.2

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