抵押物转让之权衡与选择

The Mortgage Transfer:Odds-weighing and Choices

抵押物的转让,涉及抵押物的利用、交易安全和抵押权人、抵押人、受让人三方利益的冲突与平衡。如能在抵押物转让制度设计的权衡与选择中,肯定抵押人对抵押物的自由转让权,抵押权人通过行使物上代位权或追及权来实现其担保利益,受让人则以对购买抵押物的选择权和对抵押权的涤除权来维护其自身权益,则能最大限度地体现法律的各种相关价值,满足三方当事人的利益需求。

The transfer of mortgage concerns the utilization of the related mortgage, the safety of transaction and the conflict and balance of the interests of the mortgage creditor, mortgage debtor and mortgage middleperson. In terms of the odds- weighing and choices of designing the system of mortgage transfer, if the mortgage debtor has the fight to freely transfer the mortgage, the mortgage middleperson safeguards his/her interests of guaranteeing by exercising the right of subrogation and recourse and the mortgage creditor defends his/her interests by having the right of choosing mortgage and of breaking away from the mortgage holdings, the various related values of law can be embodied to the greatest extent so that the demands of the interests of the three parties can all be satisfied.