我国让与担保纠纷司法裁判规则之思考

Investigation and Determination of the Validity of Dispute over Transfer Guarantee in China

让与担保作为一种非典型的担保方式,一直饱受争议。通过对让与担保案例判决书的实证分析可知,法官在处理让与担保纠纷时对于其效力的认定存在着截然不同的观点,而其背后均有着不同法律逻辑进路。时至今日,虽然我国物权法体系仍然将让与担保排除在典型的担保物权之外,但让与担保作为一种经典的担保方式仍然有着强大的生命力。无论是坚持物权法应当明确将让与担保作为一种典型担保规定下来,还是认为让与担保可以受习惯法调整,落实到司法裁判中,均应正视这一担保方式在生活实践中所发挥的作用,而当务之急是从规范让与担保的公示方式与清算方式的角度出发,为法院在处理相关问题时确立统一的裁判规则。

As an atypical way of guarantee,transfer guarantee is controversial. Through the empirical analysis of the judgment of transfer guarantee cases,the judge has different viewpoints on the determination of the validity of the transfer guarantee disputes,and all the different opinions follow different legal and logical approaches. Although the system of property law in our country still excludes the transfer guarantee from the typical guarantee,the transfer guarantee still exudes strong vitality nowadays. Whether insist that Property Law should explicitly stipulate transfer guarantee as a typical guarantee or transfer guarantee can be regulated by customary law,we should attach importance to the role of this guarantee in our practice. It is imperative to proceed to establish a uniform rule of referee for the court in dealing with relevant issues,from the perspective of the demonstration and liquidation of the transfer guarantee.