农村动产浮动抵押贷款的风险防范研究.pdfVIP

民生活改善都有一定的意义。 本文主要以《中华人民共和国物权法》为主，逐本溯源，从浮动抵押制度的历史及 法律特征 出发，联系我国社会主义经济发展实际 ，分析我国动产浮动抵押法律制度的优 点和不足，进一步探讨银行在农村开展动产浮动抵押贷款业务时可能影响资金安全的各 种风险，以及在现有经济环境和法律制度下可以采取哪些有效的防范措施，最终实现既 能充分满足农业生产经营者的发展需求，又能有效把控银行经营风险，为农村金融创新 、 农业发展改革提供思路 。 关键词：浮动抵押 ；农村金融 ；风险防范 2 万方数据 Abstract The fluctuating mortgage is a special mortgage system developed in the judicial practice by the court of chancery in England，which takes a flexible guarantee way without the possession of collateral，sets the guarantee with the current and future assets of the mortgagor and during the mortgage period，and the mortgagor can continue the production and operation activities with his own assets and can dispose of the collateral assets in the daily operation without the consent of the creditors. The legal system for the fluctuating mortgage not only exit in Anglo American legal system of England and the United States，but also exit in the countries with the Continental legal system. The Property Law of the People’s Republic China promulgated on March 16，2007 introduced the fluctuating mortgage system，in which Article 181 provides that with the written consent of the parties involved ，enterprises，privately or individually-owned business and agricultural production operators can mortgage the current or future production equipment，raw materials ，semi-finished products and products，and in case that the obligor fails to pay due debts or realize the mortgage right stipulated by the parties involved，the creditor enjoys priority in compensation in the realization of the mortgage right. The rural finance is an important part of Chinas financial reform and development，but also has been the weak link in Chinas financial services.