买卖型担保合同纠纷之辩思

Debate on the Dispute of Guarantee Contract of Transaction Type

以《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》为基点,立足于法律解释方法论,探讨买卖型担保合同的内涵及处理方式。采用案例类型化区分方法,整理分析此类纠纷事实认定及法律适用的司法实践现状。以此,审视分析买卖型担保合同并将其定位为不同于让与担保等担保物权,合法有效的代物清偿预约合同,是一种就标的物并无优先受偿的债权性请求权。此种以买卖合同担保借贷行为的新型担保方式,为维护双方当事人权益提供法律依据及理论支撑,也为各地法院处理类似案件指明了法律路径。

Based on"Provisions of the Supreme People's Court on Several Issues concerning the Applicable Law in the Trial of Private Lending Cases",this paper analyzes the connotation and handling methods of the guarantee contract of transaction type from the perspective of legal interpretation methodology.Itcollates and analyzes the current judicial practice of such disputes and legal application by adopting the method of case typization.In view of the above analysis,we should examine this kind of guarantee contractand regard it as alawful and effectivedatio in solutum contract which is different from the transfer guarantee contract.It is a right of claim with respect to the object without priorityright to be repaid.It provides a legal basis and theoretical support for safeguarding the rights and interests of both parties,and also points out the legal path for all courts to deal with similar cases.