【作者】 刘丹；

【导师】 王伦刚；

【作者基本信息】 西南财经大学 ， 法律， 2014， 硕士

【摘要】 抵押担保在担保中占有重要地位,在实践中获得了广泛的应用。然而,因为种种原因,看似稳妥的抵押权在实现过程中往往因立法、司法、行政等多种原因而无法实现,导致债权人资产的流失,严重制约了金融业乃至实体经济的发展。抵押权的实现难问题,既是历史遗留问题,又是现实中广泛存在的问题,需要不断研究,不断完善。在我国,金融业方兴未艾,金融创新层出不穷,各种形式的抵押贷款纷纷推出,迫切需要法律在抵押权实现方面给予司法层面的支撑；但与此同时,现行法律法规在抵押权实现方面尚未形成成熟的体系,又或者其具体规制尚且存在一些不够完善和细化的部分,使得抵押权的实现依然存在着种种障碍。关于抵押权的实现问题,其法律规制上的内容在我国法律条文的变迁中得到了一步步顺应时代潮流和实践需要的重视。本文结合了程序法和实体法的视角,旨在研究我国抵押权实现的司法问题,结合法条对我国法律对此的规制进行具体分析,并找出其中存在的问题,提出笔者的建议。本文的研究一方面可以在由于抵押权实现引起司法纠纷时,为裁决者提供处理依据和借鉴；另一方面,也试图寻找出现行法律中尚存的一些问题,从而为完善相关提出适当的建议。根据以上逻辑思路,将本文分为绪论与四章共五个部分,各章节内容如下：绪论。此部分提出问题,从研究意义、理论研究采用的工具方法两个方面对现有的研究成果文献资料进行归纳总结,并介绍了本文的基本思路以及结构框架。第一章,抵押权实现的立法变迁。本章结合我国物权法和新民诉法的具体规定,从程序法和实体法两个方面,对抵押权实现的法律规制的系列变革进行了具体分析。第二章,抵押权实现的制度障碍。本章主要对抵押权的实现在我国司法中存在的几点障碍,并结合具体案例,包括追及力的欠缺、其他优先权的影响、非讼程序实现抵押权的相关规定不够细化等进行了分析。第三章,抵押权实现的制度建议。本章结合前文所述,针对上一章节提出的法律障碍,提出了相关的制度建议。第四章,结语。对本文的基本观点进行总结概括。通过对以往研究文献疏略整理,笔者发现目前研究的一些不足,特别是新民诉法出台以后,对于以非讼形式实现抵押权的相关法律规制的研究,较为少见。另外,对于抵押权的实现,从实体法或者程序法的角度进行研究的文献较多,而结合两者,从辩证统一的角度研究的较少,正是基于以上研究现状尚未或较少涉及之处,笔者尝试在以下几个方面进行研究及创新：在明确抵押权的概念、抵押权实现的条件、途径和程序的基础上,结合中国的司法特色,对我国司法对抵押权实现的规制,从实体法和程序法两方面进行分析；结合具体法条,对抵押权实现的司法障碍进行分析；依照前文的分析,结合中外法律的比较,找出我国现行法律规制存在的问题,并给出改善建议。更多还原

【Abstract】 As an important role in the guarantee, the Mortgage guarantee is access to a wide range of using in practice. However, for various reasons, the mortgage, which seems to be prudent,often can not be achieved in the realization of the legislative, judicial, administrative or other reasons. This problem results in the loss of the creditors of assets, has seriously hampered the financial sector as well as the real economy.The problem of difficulties of achieving mortgage is not only a historical issue, but also a widespread problem in reality, which is subject to a long-term problem to be researched and solved, and therefore it has been the focus of attention of scholars and practitioners at home and abroad,the research of it are also voluminous.On the status of our country, on the one hand the financial industry is developing fast, various forms of mortgage loans have launched an urgent need for legal support given to the judicial level achieved in terms of the mortgage; on the other hand, it is the existing laws and regulations in realization of the mortgagee had not yet achieved the formation of mature system, or the specific regulations yet it is not perfect and there are some parts of refinement, making mortgage obstacles still exist.In this paper, the perspective of procedural and substantive law, and to study the problem of mortgage achieve justice, combined with our legal statute on China’s regulations on this specific analysis and identify existing problems, the author put forward proposals. This study one can achieve in the cause of justice because the mortgage disputes, provide treatment basis and reference for the decision-maker; the other hand, trying to find some legal issues arise row surviving, and thus make appropriate recommendations for the improvement of relevant.Based on the above logical thinking, the paper is divided into five parts Introduction and five chapters, each chapter reads as follows: Introduction. From this part of the research significance, the oretical research tool methods adopted two aspects of existing research literature summarized, and introduces the basic ideas and the structural framework of this article.The first chapter, The realizing of the mortgagee on legislative changes. This chapter in our country property law and specific provisions of the new Civil Procedure from both procedural and substantive law, the legal regulation to achieve a series of changes in the mortgage were specific analysis.The second chapter, Analyzes of obstacles to achieve the mortgagee. This chapter discusses the combination of the previous chapter, several obstacles to the realization of the mortgagee in the presence of justice, including the lack of ability to recover and affect other priorities, the relevant provisions of the way the mortgage is not enough to achieve a concrete analysis thinning.The third chapter, Policy recommendations to achieve the mortgage system. This chapter combines the foregoing, for judicial obstacles presented in the previous section, put forward relevant policy recommendations.Chapter IV,.,Conclusion. The basic ideas of this paper to summarize it.Through previous research literature neglect of finishing, I found that some of the shortcomings of current research, especially after the introduction of the new Civil Procedure, for the study of non-complaint in the form of mortgage-related achieve legal regulation, are rare. In addition, for the realization of the mortgage, the study from the perspective of substantive law or procedural law literature more, and a combination of both, from the perspective of dialectical unity less research, more research is based on the status quo has not been involved or less office, I try to research and innovation in the following areas:on the basis of a clear concept of the mortgage, the mortgagee to realize the conditions, ways and procedures, combined with China’s judicial characteristics of our judicial realization of mortgage regulation, from both a substantive and procedural law analysis; combined with the specific statute, judicial obstacles to achieve the mortgagee to analyze; accordance with the foregoing analysis, combined with the comparative and foreign law, to identify our current problems of legal regulation, and gives recommendations for improvement.更多还原