担保型买卖合同法律问题研究（定）.docxVIP

担保型买卖合同法律问题研究 摘要：近几年，随着我国市场经济多样化的蓬勃发展，在司法实务中一种新型的担保方式应运而生：民间借贷合同的出借人与借款人订立商品房买卖合同，而合同的实现主要就是基于借款人无法按时清偿欠款的情况，该借款本息转化为购买房屋的价款。有学者把这种新型的非典型担保模式命名为担保型买卖合同。《民间借贷司法解释》于2015年正式颁布实施，而其中的第24条确立该买卖合同的担保性质，同时肯定了流担保条款的适用，但其回避了其性质与效力问题。在本文中，笔者首先阐述了课题的研究背景和意义，明确了本文要深入论述的问题，然后运用研究方法展开论述，系统地论述了担保型买卖合同的法律概念；解读了《民间借贷司法解释》第24条的规定；罗列了当前学界与实务界有关担保型买卖合同性质方面所探讨的几种主要问题，针对就担保型买卖合同的内涵以及性质等作出了自己的理解。 关键词：担保型买卖合同，非典型担保，民间借贷纠纷，让与担保 Research on Legal Issues of Secured Sale and Purchase Contracts Abstract：In recent years, with the vigorous development of Chinas market economy diversification, a new type of guarantee has emerged in the judicial practice: the lender of the private loan contract and the borrower have entered into a commercial housing sales contract, and the realization of the contract is mainly based If the borrower is unable to pay off the arrears on time, the principal and interest of the loan will be converted into the purchase price of the house. Some scholars named this new type of atypical guarantee model as a guaranteed sales contract. The Judicial Interpretation of Private Lending was formally promulgated and implemented in 2015, and Article 24 of it establishes the guarantee nature of the sales contract and affirms the application of the exile clause, but it avoids its nature and effectiveness. In this article, the author first elaborates the research background and significance of the subject, clarifies the issues to be discussed in depth in this article, and then uses research methods to expand the discussion and systematically discusses the legal concept of the guarantee sale contract; Article 24; lists several major issues currently discussed in the academic and practical circles regarding the nature of secured sales contracts, and makes its own understanding of the connotation and nature of secured sales contracts. Keywords：Secured sale contract, atypical guarantee, private loan dispute, concession and guarantee 目 录 TOC \o 1-3 \h \u 第1章 绪论 6 1.1研究背景和意义 6 1.2