物权法的施行对担保行业的影响及对策

Influence of the Real Right Law on the Guarantee Industry and Countermeasures

《中华人民共和国物权法》于2007年10月1日起施行,其中的担保物权部分对《中华人民共和国担保法》及其司法解释作了补充、修改和完善,并且特别规定,担保法与物权法规定不一致的,适用物权法。文章就物权法与担保法诸多不同中的三方面:明确了独立物保无效、扩充了担保物的范围、完善和细化了实现担保物权的规则,结合担保公司的实际利益要求和行业风险控制要求,进行粗浅分析。

The Real Right law of the People＇s Bank of China＂ went into effect on October, 1st, 2007, with some supplements, revisions and improvements in the part of the guarantee of real right and its judicial interpretations, and with speeial previsions that in ease of conflicts between the Real Right law and the Guarantee law, the Real Right law should be adopted. The paper, taking into account the requirements of the actual interests of guarantee companies and the risk control of the industry, does some analyses concerning three aspeets of the differences between the Real Right law and the Guarantee law——clarifying the invalidity of independent guarantee, expanding the scope of guaranty and improving and refining regulations to realize real right guarantee.