我国物权法中所有人抵押制度构建

Construction of the System of Mortgage of Titleholder in Law of Things

所有人抵押是指所有人于自己所有物上存在的抵押权 ,是一种特殊的抵押权。确立所有人抵押制度可以防止后次序抵押权人获取不当得利 ,保护抵押物所有人的利益 ,有利于所有人进行融资 ,节省交易手续和费用 ,促进商品流通。我国《担保法》没有规定所有人抵押 ,可借鉴其他国家、地区的做法 ,从所有人抵押的思路选择、成立、变动等方面入手对此制度作出具体设计。

Titleholder's mortgage,a special one,is defined as the kind of mortgage based on titleholder's own belongings. The system of titleholder's mortgage plays an important role in preventing subsequent creditor from obtaining unjust enrichment,protecting titleholder's benefits,promoting titleholder to overtake financial leasing,and reducing commission of exchange. However,titleholder's mortgage is not enacted in China's Guarantee Law and experience can be drawn from other countries in such fields as systems of establishment and change of titleholder's mortgage.