论贷款中的权利质押

The Pledged Right in Loan Granting

在借贷关系中 ,作为债权担保方式之一的权利质押 ,对贷款人实现权利可说是万无一失的保证。第三人出质为借款人担保时 ,为保护出质人的利益 ,法律也赋予其一定的权利。但法律没有赋予借款人相应的权利 ,当贷款人和第三人行为违法时 ,不利保护借款人的合法权益 ,这是我国法律的缺憾 ,应予补充。

In loan granting,pledged right,as a means of pledging the creditors rights,can guarantee the lenders rights with perfect safety.When the third party serves to pledge for the borrower,the law in China bestows relevant rights on him for the interests of himself.Conversely,the law fails to bestow on the borrower his relevant rights.And when what the lender and the third party do violates the interests of the borrower,the borrowers is far from being protected.Therefore,certain legal provisions should be supplemented in the law so that such cases can be avoided.