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我国《物权法》引入了舶来品浮动抵押制度,这是一项重要的尝试与突破,它具有一定的优势。实务中对浮动抵押的限制,表面及短期来看能够大大提高抵押物的确定性,但并不能从根本上规避法律风险,债权人可能存在于更大的风险之中。本文从浮动抵押制度的法律背景、实务限制、风险分析及规避措施建议三方面辩证的分析了问题,提出了建议,期望这一制度能进一步完善,让其发挥更好的功效。
China’s “Property Law” introduced a floating mortgage system of imported goods, which is an important attempt and breakthrough, it has some advantages. In practice, the limitation, surface and short term floating mortgages can greatly increase the certainty of mortgages. However, legal risks can not be evaded fundamentally and creditors may be exposed to greater risks. This article analyzes the problems dialectically from three aspects of legal background, practical restrictions, risk analysis and avoidance measures recommendations of floating mortgage system, and puts forward some suggestions. It is hoped that this system can be further improved to make it play a better function.