论按揭的法律地位

On Legal Status of Motgage

通过对英美法系按揭制度的特点进行分析可以看出,按揭作为一种担保方式,在法律性质与抵押实质上界限已很模糊,我国应该参考按揭来改良现有的担保物权制度。与英美法系的按揭制度相比,传统的抵押、质押、留置等都因其严格的物权法定主义而显得呆板,而从按揭的制度演变、实质内容以及与传统担保物权的关系上看,按揭可以分解后与抵押、质押相结合。

By analyzing the features of the mortage systems of Britain, the USA, and France, we may easily find that, as a way of guarantee, mortage is confused with the traditional maortage in nature of law. The system of property guarantee of our country should be improved with the rteference of mortage. Compared with the maortage systems of Britain, USA, and France, the traditional mortage, pawn, and lien appear to be stiff because of their strict definitions in property law. From the evolution of mortage system, the nature of its content and the relation with the traditional property guarantee right, mortage can be combined with mortage and pawn after it is discomposed.