分期付款买卖中动产所有权保留制度评析

On Chattels Ownership Reservation in Installment Sale

随着消费者消费水平的日益提高 ,消费大宗商品以分期付款形式购买 ,已经成为诸多商家和消费者的共同选择 .在分期付款购买合同中 ,在商品所有权的归属问题上 ,目前国际上 ,共有 4种学说 :“附停止条件所有权转移说”、“担保物权说”、“质权说”和“部分所有权转移说” .其中 ,第一种注重保护出卖人的权益 ;第二、三种有悖我国法律 ;第四种兼顾消费者和第三者的权益 ,比较适合我国国情 .

As the consumption level of consumers rise, many consumers and businessmen make a choice in common of purchasing on installment. On the ownership stipulation pertaining to the commodities in installment contract, nowadays there are internationally four theories, respectively on ownership transfer with stop condition, property right guarantee, right of pledge, and partial ownership transfer. Among theses theories, the first one puts stress on the seller's interests; the second and the third fail to observe the laws of our country; the forth gives consideration to the interests of both the consumer and the third party, so it agrees with national conditions of our country.