重复抵押不应禁止但需限制

本文在学界已有研究基础上 ,从理论和实践两个方面比较深入系统地阐述了重押禁止的不科学性 ,并提出对重押进行“五个限制”的观点。

重复抵押概念辨析

重复抵押不同于再抵押。重复抵押不应要求向“两个以上的不同债权人”抵押。重复抵押不仅要求应在同一物上有设定数次抵押的行为,而且还应具备致使产生数个抵押权的要求,而不能只有数个抵押行为。

Fair Valuation Issues and the Subprime Mortgage Debacle： Could Generally Accepted Accounting Principles Underlying the Historical Cost Method Have Prevented the Crisis？

There are three primary methodologies employed to determine real estate value in the appraisal industry： the cost approach, the sales approach and the income approach. The definition of market value is defined as： ＂a type of value, stated as an opinion that includes a set of assumptions concerning the market＂. Unfortunately, untrained and unlicensed appraisers provided opinions using primarily the sales approach or market data approach and virtually ignored the other two methodologies. The ensuing game of ＂Can You Top This＂ resulted in creating an out-of-control real estate market driven by unregulated fiduciaries as appraisers.