论重复抵押的法律效力

The Simple Theory on the Legal Effect of Repeated Mortgage

我国现行立法和司法均不承认重复抵押的效力,学说上对该问题也多持否定的态度。否定重复抵押的法律效力解释,并不符合《担保法》保证债权实现的立法目的,人为地限制了融资渠道的扩展,与现代物权法所倡导的“物尽其用”的价值取向是背道而驰的。因此,应肯定重复抵押的法律效力,允许当事人超出抵押物的价值部分再次设定抵押权。

Our country's current legislation and administration of justice do not acknowledge the effect of repeated mortgage , hold more attitudes denied to this question on the theory. Denying the legal effect of repeated mortgage, does not accord with ' Assurance Law ' to guarantee the legislative purpose that creditor's rights realize , having limited the expansion of the financing channel artificially, the value orientation of ' making the best use of everything ' advocated with the law of modern real right is acted counter to. So, should affirm the legal effect of the repeated mortgage and allow the party goes beyond the mortgage's value to establish the hypothec again .