解释论视野下应收账款质押的若干法律问题

Interpretation of Several Legal Issues on Account Receivable Pledge

《物权法》明确规定,应收账款可以出质。应收账款并不等同于债权,有其特定的内涵和范围。中国人民银行的登记办法进而确定,应收账款可以是现在的,也可以是未来的。未来的应收账款并非一概能够质押,至少需要一定的事实基础才能够在现行框架下进行出质。可以对应收账款进行打包出质,没有明确规定对第三债务人的通知义务是一个明显的法律漏洞,暂可参照债权让与的相关规定处理。禁止流质的规定同样适用于应收账款质押。

'The property law' regulates that account receivable can be pledged.Account receivable is not equal to creditor right,it has its special definition and range.And then the registration of accounts receivable management says not only the existed receivable,but also the future receivable can be pledged.However,the future receivable without any foundation is not permitted.Several receivable can gathered together to be pledged.The law does not say the debtor should be noticed,however,we can follow the instructions of creditor right transfer.The rule of forbidden to transfer the pledge property directly is also effective in this system.