论公证债权文书在融资担保业务中的正效用

The Positive Effect of Notarized Instruments of the Creditors in Financing Guarantee Business

在担保公司的业务实践中,如何最大限度的保护担保公司的追偿权,是一个至关重要却又困难重重的问题。按照《担保法》、《物权法》等相关法律的规定,担保公司可以与反担保人进行协商折价,或者以拍卖、变卖反担保物的形式实现债权。但在实践中,担保公司权益的实现需要通过诉讼(或者仲裁)、执行等司法阶段才能得以保障,使得担保公司的维权成本巨大。但是,公证债权文书却具有诉讼或者仲裁所不具备的独特优势,为担保公司的维权之路开辟了一条更为便捷、有效的新途径。

In the business practices of a security company,how to maximize the protection of the guaranteed company is a crucial but difficult issue.According to ＂Guarantee Law and Property Law＂,Security Company could negotiate a compromise with counter-guarantor,or implementation of the claims right in the form of auction or sale of collateral.However,in practice,the realization of security interests can be assured by litigation（or arbitration）and the judicial phase of the implementation,which could be a huge loss for Security Company to maintain the legal rights.However,the notary instruments have the unique characteristics that arbitration doesn＇t have,which opens a more convenient and effective new way for Security Company＇s maintaining legal rights.