商业银行实现担保物权案件程序法律问题及其适用路径研究

A Study on the Legal Problems to the Procedure of Security Interest Realization and Its Application Path of Commercial Banks

实现担保物权案件程序是民商事案件中通过直接实现担保物权来清偿债权的特殊程序,由于其具备审理周期短、利息损失少、节约处置成本等优势,对商业银行债权实现的意义重大;但同时也存在着重复诉讼、担保人失联情况下无法启动、担保物权可能无法完全受偿以及无法参与分配等风险。因此,在实践中,商业银行应当按照一定的原则、对象、时间并辅助一定配套措施来设计科学合理的适用路径。

The procedure of security interest realization cases is a special procedure in civil and commercial cases to liquidate creditor’s rights by directly realizing security interest right.Because of its advantages such as short trial period,less loss of interest and saving disposal cost,it is of great significance to the realization of commercial bank’s creditor’s rights.But at the same time,there are duplicate litigation, guarantee’s loss of connection and the security interest right may not be fully repaid and the risk of not participating in the allocation.Therefore, in practice,commercial banks should design scientific and reasonable application paths according to certain principles,objects,time and supporting measures.