关于“后让与担保”的思考

On Assignment Guarantee

我国经济高速发展的时代背景催生了“名为买卖,实为借贷”这种新型的民间借贷方式。这种借贷方式所产生的法律纠纷纷繁复杂,司法裁判也是乱象纷呈。对于此类民间借贷方式所呈现出的当事人之间通过签订买卖合同形式为其借贷合同设立担保的新型担保方式,在学理界引起了百家争鸣,学者们各抒己见,仁者见仁,智者见智。虽然《最高人民法院关于审理民间借贷案件适用条件若干问题的规定》(以下简称“民间借贷司法解释”)第二十四条对该种民间借贷方式所产生的合同纠纷的审理方式以及裁判尺度给出了较为明确和统一的指导意见,但是,由这种新兴的民间借贷方式所衍生的新型担保方式的界定、效力以及是否享有优先受偿权仍是值得深入探讨的问题。

The background of China's rapid economic development has given rise to a new type of private lending,which is called"business for lending".This kind of loan way produces the legal dispute numerous and complicated,the judicial judgment is also disorderly.For this kind of private lending,the parties sign a sales contract to establish a new type of guarantee for the loan contract,in the academic circle caused a hundred schools of thought contend,scholars express their views,different opinions.Although,Article 24 of the Provisions of the supreme people's court on several issues concerning the application conditions for the trial of folk lending cases(hereinafter referred to as"Judicial interpretation of folk lending")gives clear and unified guidance on the trial methods and judgment standards of contract disputes arising out of this folk lending method.However,the definition,effectiveness and priority of the new type of guarantee derived from this new private lending mode are still issues worthy of further discussion.