【摘要】： 20世紀80年末90年代初，我國房地產實務中出現(xiàn)了一種新的擔保方式：樓花按揭，它正成為城鎮(zhèn)居民購買房屋的主要途徑，同時這種新的擔保方式的出現(xiàn)給我國的擔保法律制度提出了新的課題。 文章第一部分介紹了樓花按揭制度立法例。首先，，介紹了英美按揭制度的形成和發(fā)展，明確按揭制度的內涵。接著，介紹香港樓花按揭制度概況，最后，論述樓花按揭制度在我國是如何確立和發(fā)展的，并對香港和內地的樓花按揭制度進行了比較。 文章第二部分論述了樓花按揭制度的基本理論。首先，論述了樓花按揭的概念和特征。接著，論述了樓花按揭設定的基本過程及樓花按揭中涉及到的法律關系，并對樓花按揭的公示進行了分析。最后，討論了樓花按揭的效力問題。 文章第三部分對樓花按揭實務中常見問題進行了論述。首先，分析了建筑商法定優(yōu)先受償權與銀行，預購方權益沖突并提出了解決辦法。其次，對樓花再抵押的效力問題進行了分析。最后，對樓花按揭格式合同中常見的不合理條款提出了解決辦法。 文章第四部分論述了樓花按揭銀行常見的風險及如何防范的問題。首先，介紹了樓花按揭中銀行常見風險，在此基礎上，分別論述了樓花按揭擔保、樓花按揭保險、住房抵押貸款證券化對銀行風險防范的意義，并對如何防范銀行風險提出了作者的建議。
[Abstract]:In the late 1980s and early 1990s, a new way of guarantee appeared in the practice of real estate in our country: mortgage of uncompleted buildings, which is becoming the main way for urban residents to buy houses. At the same time, the emergence of this new way of guarantee for our legal system of security proposed a new topic. The first part of the article introduces the legislative example of the mortgage system of uncompleted buildings. First of all, it introduces the formation and development of the mortgage system in Britain and America, and clarifies the connotation of the mortgage system. Then, it introduces the general situation of the mortgage system in Hong Kong, and finally, discusses how to establish and develop the mortgage system in China, and compares the mortgage system between Hong Kong and the mainland. The second part of the article discusses the basic theory of the mortgage system. First of all, the paper discusses the concept and characteristics of the mortgage. Then, it discusses the basic process of mortgage setting and the legal relationship involved in the mortgage, and analyzes the publicity of the mortgage. Finally, the effectiveness of the mortgage is discussed. The third part of the article discusses the common problems in the practice of residential mortgage. Firstly, the author analyzes the conflict between the legal priority of the builder and the bank, the prebuyer's rights and interests, and puts forward some solutions. Secondly, the effectiveness of remortgage of uncompleted flats is analyzed. Finally, the common unreasonable clauses in the mortgage format contract are put forward. The fourth part discusses the common risks and how to prevent the mortgage bank. First of all, the paper introduces the common risks of banks in the mortgage, and on this basis, discusses the significance of mortgage guarantee, mortgage insurance, mortgage securitization to the bank risk prevention, respectively. And put forward the author's suggestion on how to prevent the bank risk.
【學位授予單位】：湘潭大學
【學位級別】：碩士
【學位授予年份】：2003
【分類號】：D923

【引證文獻】

相關碩士學位論文 前2條

1 蒲嘉;商品房按揭的幾個法律問題研究[D];西南政法大學;2006年

2 張文祥;商品房按揭法律問題研究[D];復旦大學;2008年

本文編號：2328670