试论我国的动产抵押制度的完善.doc

摘要:动产抵押制度起源于罗马，它的诞生突破自古罗马法以来创设抵押权仅限于不动产、动产上只能设定质权的担保物权制度的传统格局，进一步满足了融资的需要，是各国担保制度中的重要内容。而我国动产抵押制度起步比较晚。本文首先通过分析动产抵押制度的立法价值，进一步指出该制度在我国的必要性。其次分析我国现行动产抵押制度的立法现状中的不足，并根据国外的经验，结合我国的国情，对该制度提出具体的若干建议。

关键词：动产；抵押；完善

Abstract:Chattel mortgage system originated in Rome, it is the birth of a breakthrough since the creation of ancient Roman law is limited to mortgage real estate, movable property can only be guaranteed the right to set the quality of the traditional pattern of property rights system, and further meet the financing needs is the national guarantee system the important content. In China, chattel mortgage system started relatively late. In this paper, by analyzing the value of chattel mortgage system, legislation, and further pointed out that the need for the system in our country. Second, analysis of China's current status of chattel mortgage system, the lack of legislation and in accordance with foreign experience, combined with China's national conditions, the system a number of recommendations put forward concrete.

Keyword:Chattel；Mortgage；Complete

动产抵押是指抵押人为保证其债务的履行，就其所有的或第三人所有的有关动产不转移占有地设定抵押，当抵押人不能偿还债务或履行责任时，抵押权人有权就该抵押动产优先受偿。罗马法最先建立动产抵押制度，后不断扩及至不动产，并随着不动产物权制度的昌盛而仅以不动产为限，最终形成以不动产为标的的抵押权制度和以动产为标的的质权制度相分立的担保制度。但现代社会经济生活迅猛发展产生了对资金融通的极大需求，若仅限于以土地和建筑物等不动产设定抵押，已不能满足融资的需求，也不能保证债权的实现，并且，传统民法所确定的质权需移转担保物的占有于质权人，这样的陈旧观念已经在实际经济生活中显露出欠缺而陷入困境，于是各国普遍创设了动产抵押制度。