摘要
最高额抵押制度因其高效、便捷的特点在银行担保融资业务中被广泛使用。最高额抵押所担保主债权不特定的属性也伴随着债权不确定的风险,法院查封最高额抵押物是债权确定的一种情形,司法实践中对关于债权何时确定的法律理解的不同导致两种截然相反的处理结果。本文以两则案例为切入点,以类案不同判的现象引出银行最高额抵押物被查封的风险防控问题,提出法律适用上应当坚持"主观说",并给出防控相关风险的一些建议。
The maximum mortgage system is widely used in the bank loan financing business because of its efficient and convenient characteristics. The non-specific attributes of the principal secured by the maximum mortgage are also accompanied by the risk of uncertainty in the claim. The court＇s seizure of the maximum mortgage is a condition of the creditor＇s right The difference in legal understanding of when the creditor＇s rights is determined in judicial practice leads to two diametrically opposed outcomes. By taking two cases as the entry point, utilizing the phenomenon of different judgments in a class case which leads to the the legal risk prevention and control problem of the maximum mortgage of the bank has been seized by the court, This article put forward the point of the application of the law should adhere to ＂subjective theory＂, and also provide some suggestions for preventing and controlling legal risks.
出处
《浙江金融》
2017年第10期66-72,共7页
Zhejiang Finance
关键词
最高额抵押
查封
债权确定
法律风险
Maximum Mortgage
Sealed
Determination of Claims
Legal Risks
