试论抵押人之专有抗辩权——从第三人为抵押人出发

On the Exclusive Right of Counterplea of the Mortgagee——On the ground of the third being as the mortgagee

从第三人为抵押人出发,抵押人凭借专有抗辩权不仅可以对抗抵押权人的抵押权,而且可以暂时或永久地摆脱担保责任的束缚,保全自己的财产利益。我国相关法律对于抵押人专有抗辩权的规定十分模糊,应从担保法原理及相关法律规范出发,对抵押人之专有抗辩权进行分析与归纳。

The exclusive right of counterplea of the mortgagee is an important mean to resist performance of mortgage so that the mortgagors＇ legal right can be protected temperarily or permanently. But the regulation of our guarantee law is obscure. Therefore, the author analyses this problem by using the principles of guarantee law and its corresponding regulations gua.