本文選題：商品房消費信貸 + 關(guān)聯(lián)合同�。� 參考：《華東政法大學(xué)》2014年碩士論文

【摘要】：商品房消費信貸是伴隨著市場經(jīng)濟發(fā)展而逐漸興起的一種消費方式，，商品房消費信貸中的購房合同和擔保貸款合同構(gòu)成關(guān)聯(lián)合同，該關(guān)聯(lián)關(guān)系是抗辯權(quán)得以延伸適用的前提�？罐q權(quán)延伸對于保護購房者的利益具有重要作用。 文章的第一部分是問題的提出。該部分分析了商品房消費信貸中包含的法律關(guān)系類型以及商品房消費信貸在實踐中的操作過程。并通過兩個典型的案例揭示了購房者作為消費信貸法律關(guān)系的一方當事人，在面對經(jīng)濟實力強大又有著密切合作關(guān)系的開發(fā)商和貸款銀行時，購房者容易遭遇的風(fēng)險。商品房消費信貸法律糾紛的處理復(fù)雜，明確購房合同和擔保貸款合同的關(guān)系是糾紛處理的前提。 文章的第二部分是抗辯權(quán)延伸的適用前提、歷史沿革及構(gòu)成要件。這一部分筆者首先分析了商品房消費信貸中的購房合同和擔保貸款合同構(gòu)成關(guān)聯(lián)合同，二者在法律效力上相互影響，該關(guān)聯(lián)關(guān)系是抗辯權(quán)得以延伸適用的前提條件；其次，運用比較法的分析方法，筆者闡述了抗辯權(quán)延伸在世界各國的產(chǎn)生、發(fā)展情況；最后，通過總結(jié)抗辯權(quán)延伸在各國的適用理論，筆者歸納出抗辯權(quán)延伸的構(gòu)成要件并分析了商品房消費信貸法律關(guān)系中抗辯權(quán)延伸適用的構(gòu)成要件。 文章的第三部分是抗辯權(quán)延伸適用的正當性及不可預(yù)先免除性。商品房消費信貸中購房者可以基于購房合同中對開發(fā)商的抗辯權(quán)對抗貸款合同中的貸款銀行，這無疑是對合同相對性原則的突破。合同相對性是民法的基本原則，該原則對于保障民事主體的意志自由具有十分重要的意義。任何對合同相對性原則的突破必須具有正當性，商品房消費信貸中的抗辯權(quán)得以延伸適用，其正當性在于保護處于弱勢地位的購房者利益，使得信貸法律關(guān)系中的利益保護趨于平衡。并且，從格式條款和公平誠信原則出發(fā)，抗辯權(quán)延伸也不可以通過協(xié)議條款預(yù)先免除。 文章的第四部分是抗辯權(quán)延伸在我國司法解釋中的疑難問題。我國商品房買賣司法解釋有部分規(guī)定涉及到抗辯權(quán)延伸，但是由于這些規(guī)定還較為籠統(tǒng)，在司法實踐中不可避免地存在適用上的疑難問題。筆者結(jié)合司法裁判中的案例，對這些疑難問題進行了分析，進而提出相應(yīng)的解決措施。
[Abstract]:With the development of market economy, the consumption credit of commercial housing is a kind of consumption mode. The contract of purchase of house and the contract of guarantee loan form the related contract, which is the premise that the right of defense can be extended and applied. The extension of the right of defense plays an important role in protecting the interests of buyers. The first part of the article is the question. This part analyzes the types of legal relations contained in the consumption credit for commercial housing and the operation process of the consumer credit in practice. And through two typical cases, this paper reveals the risks that buyers, as one party of the legal relationship of consumer credit, are likely to encounter in the face of the strong economic strength and close cooperative relationship between developers and loan banks. The settlement of legal disputes of commercial housing consumption credit is complicated. It is the premise of dispute settlement to make clear the relationship between purchase contract and guarantee loan contract. The second part of the article is the applicable premise, historical evolution and constitutive elements of the extension of the right of defense. In this part, the author first analyzes the contract of purchase of house and the contract of guarantee loan in the consumer credit of commercial housing, which influence each other in the legal effect, which is the precondition for the extension and application of the right of defense. By using the comparative analysis method, the author expounds the emergence and development of the right of defense extension in various countries in the world, and finally, by summarizing the applicable theory of the extension of the right of defense in various countries, The author sums up the constitutive elements of the extension of the right of defense and analyzes the constitutive elements of the extension of the right of defense in the legal relationship of consumption and credit of commercial housing. The third part of the article is the legitimacy of the extension of the right of defense and can not be exempted in advance. In the consumption credit of commercial housing, the buyer can counteract the loan bank on the basis of the right of defense to the developer in the purchase contract, which is undoubtedly a breakthrough to the principle of relativity of contract. The relativity of contract is the basic principle of civil law, which is of great significance to guarantee the freedom of will of civil subject. Any breakthrough in the principle of relativity of contract must be justified, and the right of defense in the consumer credit of commercial housing can be extended and applied, and its legitimacy lies in the protection of the interests of the buyers in a weak position. Make the benefit protection in the credit legal relation tend to balance. Moreover, the extension of the right of defense can not be waived in advance by the terms of agreement from the principles of format and fairness and good faith. The fourth part of the article is the extension of the right of defense in China's judicial interpretation of the difficult problems. There are some provisions concerning the extension of the right of defense in the judicial interpretation of the sale of commercial housing in our country, but because these provisions are still relatively general, there are inevitably some difficult problems in the application of these provisions in the judicial practice. Based on the cases of judicial decision, the author analyzes these difficult problems and puts forward the corresponding solutions.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D923.6;D922.28

【參考文獻】

相關(guān)期刊論文 前5條

1 遲穎;;德國消費信貸法規(guī)中的關(guān)聯(lián)合同制度——兼論《德國民法典》第358條[J];比較法研究;2006年03期

2 張學(xué)哲;;消費者撤回權(quán)制度與合同自由原則——以中國民法法典化為背景[J];比較法研究;2009年06期

3 覃有土,鄧娟閏;論信用卡持卡人的抗辯權(quán)[J];法學(xué);2000年07期

4 李建華;彭誠信;;論合同相對性原則在處理商品房買賣合同糾紛中的司法適用——基于最高人民法院相關(guān)司法解釋及其判決的評判和反思[J];法律科學(xué)(西北政法大學(xué)學(xué)報);2012年05期

5 劉怡;;論德國關(guān)聯(lián)合同制度及其借鑒意義[J];法律適用;2012年09期

本文編號：1935723