担保物权纠纷裁判新思路与传统信贷权利保障之应对

New thinking of Adjudication of Disputes over Real Rights for Security and the Response to the Protection of Traditional Credit Rights

为正确审理民商事纠纷案件,提升民商事审判工作能力和水平,最高人民法院于2019年11月14日发布了《全国法院民商事审判工作会议纪要》(以下简称《九民纪要》)。《九民纪要》就担保物权纠纷的裁判提出了新思路,将对商业银行传统信贷业务重大影响。本文试对《九民纪要》涉及银行担保物权的裁判新思路进行诠释,并就商业银行应对之策提出几点建议,以期对商业银行在传统信贷业务中正确适用《九民纪要》有关担保物权纠纷裁判新思路,能有所裨益。

In order to correctly try civil and commercial disputes and improve the ability and level of civil and commercial trial,the Supreme People's Court issued the minutes of the national court's civil and commercial trial work meeting(hereinafter referred to as the"nine min minutes")on November 14,2019."Nine min minutes"puts forward new ideas on the judgment of disputes over security interests,which will have a signifi cant impact on the traditional credit business of commercial banks.This paper tries to interpret the new judgment thinking of nine min summary involving bank's real right of security,and puts forward some Suggestions on the countermeasures of commercial Banks,in the hope of helping commercial Banks to correctly apply the new judgment thinking of nine min summary on dispute of real right of traditional security in credit business.