担保物权的执行.ppt

动产担保物权的执行Enforcement of Security Interests 韩苏琳律师 Beijing January 2005 现代担保交易法律体制担保物权的有效执行 Enforcement Under Modern Secured Transactions Legal Framework 快捷、有效、低廉地执行有助于增强担保物权实现的可预测性及降低借贷费用 Speedy, Effective and Inexpensive Enforcement Increases Predictability of Realizing Security Interests and Reduces the Cost of Credit 合同双方约定权力和救济方式 Rights and remedies defined by parties 合同约定违约事由 Default defined by contract 违约事件定义宽泛 Broad definition 现代担保交易法律体制担保物权的有效执行 Enforcement Under Modern Secured Transactions Legal Framework 违约发生后债权人的选择 Creditor’s options after default 债权人有权通收回担保物并通过公开或私下方式处理担保物 Right to take possession of collateral and dispose of collateral by public or private means 通过自助手段收回担保物 Self-help repossession 收回和处理担保物的费用纳入未偿还贷款数额 Costs of repossession and foreclosure added to unpaid balance 向债务人追索清偿不足额 Right to pursue debtor for deficiency 以物偿还 Strict foreclosure 非正式债务重组 Informal workout and restructuring 现代担保交易法律体制担保物权的有效执行 Enforcement under Modern Secured Transactions Legal Framework 债务人及有关第三人利益的合理保护 Reasonable Safeguards for Debtor and Interested Third Parties 担保物的自助回收必须以不扰乱治安方式进行 Self-help repossession must be peaceful 若担保物为应收帐款，债权人有权通知应收帐款债务人直接向其付款 Right to notify account debtor to pay directly to creditor if collateral involves accounts 允许当事双方约定债权人在进行自助回收之前无需通知债务人 Parties may agree not to provide notice prior to repossession 现代担保交易法律体制担保物权的有效执行 Enforcement under Modern Secured Transactions Legal Framework 担保物必须以“合乎商业情理”的方式处理 The disposal of collateral must be conducted in a “commercially reasonable” manner 在处理之前通知债务人和有关第三方 Notice to debtor and other interested parties prior to disposal 方式和价格 Manner and price 债务人的赎买权 Debtor’s right of redemption 清偿收益的分配：债权人必须向债务人呈报清偿后所剩余额 Distribution of proceeds: Creditor must account to debtor for surplus 现代担保交易法律体制担保物权的有效执行 Enforcement under Modern Secured Transactions Legal Framework 司法介入：简易程序 Judicial Intervention: Summary proceedings 司法程序：不可避免的费用与拖延 Judicial process: Inherent cos