【摘要】：在民商事案件中,金融案件一直居高不下,其中貸款合同糾紛案件一直位于金融案件之首,大部分貸款合同糾紛都會(huì)涉及擔(dān)保問題,借貸糾紛常常與其擔(dān)保糾紛糾結(jié)在一起,形成一個(gè)共同訴訟。借貸糾紛的法律關(guān)系相對(duì)明晰,爭(zhēng)議的焦點(diǎn)也多集中在擔(dān)保糾紛上面,這從最高院公報(bào)的案例中可見一斑。因此,筆者主要通過歸納分析方法、演繹推理方法、比較分析的方法研究貸款擔(dān)保合同糾紛,試圖拋磚引玉,給銀行部門防范法律風(fēng)險(xiǎn),尋找一條可行之路。 本文主要采用了歸納分析法、演繹法、比較分析法、法解釋學(xué)、案例分析的方法論述了銀行貸款擔(dān)保中常見的幾個(gè)問題,并提出這些問題產(chǎn)生的原因,最后論述了法律風(fēng)險(xiǎn)控制措施。 本文分為五個(gè)部分。 第一部分是概述。主要介紹了貸款擔(dān)保合同的性質(zhì)、特征及銀行貸款擔(dān)保和一般擔(dān)保的區(qū)別。 第二部分介紹了銀行貸款擔(dān)保訴訟中常見的問題,主要有以下幾種:保證期間性質(zhì)的爭(zhēng)議、保證期間約定不明和沒有約定情形下的認(rèn)定、一般保證和連帶責(zé)任保證約定不明時(shí)的認(rèn)定、借新還舊的處理、《物權(quán)法》對(duì)銀行抵押權(quán)的影響、《公司法》對(duì)銀行擔(dān)保實(shí)現(xiàn)的阻礙及救濟(jì)途徑。這部分主要采用了歸納分析法、比較分析的方法梳理了各種觀點(diǎn),然后得出自己的觀點(diǎn)。 第三部分分析了銀行貸款擔(dān)保存在問題的法律原因及社會(huì)原因。法律原因方面,主要是由于《擔(dān)保法》的不完善,《物權(quán)法》側(cè)重保護(hù)真實(shí)權(quán)利人的利益而忽視了對(duì)銀行抵押權(quán)的救濟(jì),《公司法》在擴(kuò)大公司自治的同時(shí)也對(duì)銀行實(shí)現(xiàn)擔(dān)保產(chǎn)生了影響。 第四部分提出了對(duì)銀行貸款擔(dān)保訴訟中法律風(fēng)險(xiǎn)的控制措施:第一,司法的角度,法院在審理貸款擔(dān)保訴訟時(shí),應(yīng)堅(jiān)持一種理性的思維以平衡各方當(dāng)事人的利益,正確適用法律,在實(shí)體上和程序上正確審理此類案件;第二,銀行的角度,銀行應(yīng)加大對(duì)抵押物及擔(dān)保公司章程的審查力度,在訴訟時(shí)效內(nèi)及時(shí)向債務(wù)人和保證人催收債務(wù),密切關(guān)注債務(wù)人的財(cái)務(wù)狀況,切實(shí)防范企業(yè)逃廢債務(wù)。 結(jié)論部分,對(duì)整個(gè)文章的觀點(diǎn)進(jìn)行梳理總結(jié),對(duì)自己的觀點(diǎn)再次進(jìn)行強(qiáng)調(diào)。
[Abstract]:In civil and commercial cases, financial cases have been high, among which loan contract disputes have always been at the top of the financial cases, most of the loan contract disputes will involve the issue of guarantee, and loan disputes are often entangled with their guarantee disputes. Form a joint action. The legal relationship of the loan dispute is relatively clear, and the focus of the dispute is also on the guarantee dispute, as can be seen from the Supreme Court communiqu 茅. Therefore, the author mainly through the inductive analysis method, deductive reasoning method, comparative analysis method to study loan guarantee contract disputes, trying to throw a brick on the bank sector to guard against legal risks, to find a feasible way. This paper mainly uses the methods of inductive analysis, deductive analysis, comparative analysis, legal hermeneutics, case analysis to discuss several common problems in bank loan guarantee, and puts forward the causes of these problems. Finally, the legal risk control measures are discussed. This paper is divided into five parts. The first part is an overview. This paper mainly introduces the nature and characteristics of loan guarantee contract and the difference between bank loan guarantee and general guarantee. The second part introduces the common problems in the bank loan guarantee litigation, mainly as follows: the nature of the guarantee period dispute, the guarantee period of unclear agreement and no agreement under the circumstances of the determination, When the agreement between general guarantee and joint and several liability guarantee is unclear, the new and old treatment, the influence of Real right Law on bank mortgage, the obstacle to the realization of bank guarantee by Company Law and the way to remedy it. This part mainly uses the inductive analysis method, the comparative analysis method combs each kind of viewpoint, then obtains own viewpoint. The third part analyzes the legal and social reasons of the bank loan guarantee problems. In terms of legal reasons, mainly due to the imperfection of the guarantee Law, the Real right Law focuses on the protection of the interests of the real right holder and neglects the relief to the bank mortgage right. The Company Law not only expands the autonomy of the company, but also influences the bank to realize the guarantee. The fourth part puts forward the control measures of the legal risk in the bank loan guarantee litigation. First, from the judicial point of view, the court should adhere to a rational thinking to balance the interests of the parties. The correct application of the law and the proper substantive and procedural handling of such cases; Second, from the perspective of banks, banks should strengthen the examination of collateral and articles of association of guarantee companies, timely collect debts from debtors and guarantors within the limitation of action, pay close attention to the financial situation of debtors, and effectively prevent enterprises from evading or cancelling debts. In the conclusion part, the author summarizes the views of the whole article and emphasizes his own point of view again.
【學(xué)位授予單位】：中國(guó)政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D923

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 富媛;;銀行貸款擔(dān)保合同法律問題的探討[J];法制與經(jīng)濟(jì)(下旬);2012年05期

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本文編號(hào)：2344434