擔(dān)保法(中英文版)

1、Promulgation date: 【Statute Title 】The Guarantee Law of the Peoples Republic of China 【法規(guī)標(biāo)題】中華人民共和國(guó)擔(dān)保法現(xiàn)行有效 發(fā)布日期: 06-30-1995 Effective date: 10-01-1995 Effective 1995-06-30 Department: Standing Committee of the National 生效日期: 發(fā)布部門: 1995-10-01 全國(guó)人大常委會(huì) Subject: Peoples Congress Civil Law,Contract 中華人民共

2、和國(guó)主席令 THE GUARANTEE LAW OF THE PEOPLE S REPUBLIC OF CHINA （第五十號(hào)） (Adopted by the Standing Committee of the Eighth National People s Congress at the Fourteenth Session on June 30, 1995) 中華人民共和國(guó)擔(dān)保法 已由中華人民 共和國(guó)第八屆全國(guó)人民代表大會(huì)常務(wù)委員會(huì) 第十四次會(huì)議于1 9 9 5年6月3 0日通過(guò), 現(xiàn)予公布，自1 9 9 5年10月1日起施行。 中華人民共和國(guó)主席江澤民 1995年6月30日 中華人民

3、共和 國(guó)擔(dān)保法 0日第八屆 全國(guó)人民代表大會(huì)常務(wù)委員 會(huì)第十四次會(huì)議通過(guò)） 目錄 第一章 總則 第二章 保證 第一節(jié) 保證和保證人 第二節(jié) 保證合同和保證方式 第三節(jié) 保證責(zé)任 第三章 抵押 第一節(jié) 抵押和抵押物 第二節(jié) 抵押合同和抵押物登記 第三節(jié) 抵押的效力 第四節(jié) 抵押權(quán)的實(shí)現(xiàn) 第五節(jié) 最高額抵押 第四章 質(zhì)押 第一節(jié) 動(dòng)產(chǎn)質(zhì)押 第二節(jié) 權(quán)利質(zhì)押 第五章 留置 第六章 定金 第七章 附則 Article 1 This law has been formulated to promote the circulation of funds and commodities, ensure th

4、e realization of creditors fights and thus 第一條【立法目的】為促進(jìn)資金融 通和商品流通，保障債權(quán)的實(shí)現(xiàn)，發(fā)展社 advance the development of the socialist market economy. 會(huì)主義市場(chǎng)經(jīng)濟(jì)，制定本法。 Article 2 Act of guarantee can be established in accordance with this law whenever creditors require to safeguard the realization of their rights in 第二

5、條【適用范圍及擔(dān)保方式】在 借貸、買賣、貨物運(yùn)輸、加工承攬等經(jīng)濟(jì) such economic activities as debit and credit, selling and purchasing, commodities transport and contracted processing. 活動(dòng)中，債權(quán)人需要以擔(dān)保方式保障其債 權(quán)實(shí)現(xiàn)的，可以依照本法規(guī)定設(shè)定擔(dān)保。 The means of guarantee stipulated by this law are guarantee, mortgage, hypothecation, lien and deposits. 本法規(guī)定的

6、擔(dān)保方式為保證、抵押、 質(zhì)押、留置和定金。 Article 3 Acts of guarantee shall be conducted under the principles of equality, voluntariness, fairness and mutual trust. 第三條【擔(dān)保活動(dòng)基本原則】擔(dān)保 活動(dòng)應(yīng)當(dāng)遵循平等、自愿、公平、誠(chéng)實(shí)信 用的原則。 Article 4 In providing guarantee to a creditor for a debtor a third party may demand counter-guarantee from the de

7、btor. 第四條【反擔(dān)?！康谌藶閭鶆?wù)人 向債權(quán)人提供擔(dān)保時(shí)，可以要求債務(wù)人提 This law also applies to counter-guarantee. 供反擔(dān)保。 反擔(dān)保適用本法擔(dān)保的規(guī)定。 第一章總則 CHAPTER 1 GENERAL PROVISIONS Article 5 A guarantee contract should be subordinated to the principal contract. When the principal contract is nullified, the guarantee contract should also be

8、come invalid. Otherwise, should there be some arrangements stipulated in the guarantee contract, those arrangements shall be followed instead. After the nullification of the guarantee contract, mistakes, if any, of the debtor, guarantor or creditor, shall be affixed with due civil responsibilities.

9、CHAPTER 2 GUARANTEE SECTION 1 GUARANTEE AND GUARANTOR Article 6 Guarantee referred to in this law means the acts of a guarantor to pay the debts or assume the responsibility under an agreement between the guarantor and the creditor, in case the debtor fails to pay the debts, 第五條 【擔(dān)保合同與主合同的關(guān)系 以及擔(dān)保合同無(wú)

10、效后的法律后果】擔(dān)保合 同是主合同的從合同，主合同無(wú)效，擔(dān)保 合同無(wú)效。擔(dān)保合同另有約定的，按照約 擔(dān)保合同被確認(rèn)無(wú)效后，債務(wù)人、擔(dān) 保人、債權(quán)人有過(guò)錯(cuò)的，應(yīng)當(dāng)根據(jù)其過(guò)錯(cuò) 各自承擔(dān)相應(yīng)的民事責(zé)任。 第二章保證 第一節(jié)保證和保證人 第六條 【保證的定義】本法所稱保 證，是指保證人和債權(quán)人約定，當(dāng)債務(wù)人 不履行債務(wù)時(shí)，保證人按照約定履行債務(wù) 或者承擔(dān)責(zé)任的行為。 Article 7 Legal persons, other organizations or citizens that have the capacity to pay off debts can act as guarantors.

11、 第七條 【保證人的資格和范圍】具 有代為清償債務(wù)能力的法人、其他組織或 者公民，可以作保證人。 第八條 【國(guó)家機(jī)關(guān)作為保證人的禁 止與例外】國(guó)家機(jī)關(guān)不得為保證人，但經(jīng) Article 8 State organs cannot act as guarantors, except for sub-lending of loans from foreign governments or international economic organizations. 國(guó)務(wù)院批準(zhǔn)為使用外國(guó)政府或者國(guó)際經(jīng)濟(jì) 組織貸款進(jìn)行轉(zhuǎn)貸的除外。 第九條 【公益法人作為保證人的禁 止】學(xué)校、幼兒園、醫(yī)院等以公益為目的

12、的事業(yè)單位、社會(huì)團(tuán)體不得為保證人。 第十條 【企業(yè)法人分支機(jī)構(gòu)、職能 部門作為保證人的禁止與例外】企業(yè)法人 的分支機(jī)構(gòu)、職能部門不得為保證人。 企業(yè)法人的分支機(jī)構(gòu)有法人書(shū)面授權(quán) 的，可以在授權(quán)范圍內(nèi)提供保證。 第十一條 【強(qiáng)令提供擔(dān)保的禁止】 任何單位和個(gè)人不得強(qiáng)令銀行等金融機(jī)構(gòu) 或者企業(yè)為他人提供保證；銀行等金融機(jī) 構(gòu)或者企業(yè)對(duì)強(qiáng)令其為他人提供保證的行 為，有權(quán)拒絕。 第十二條【共同保證】同一債務(wù)有 兩個(gè)以上保證人的，保證人應(yīng)當(dāng)按照保證 合同約定的保證份額，承擔(dān)保證責(zé)任。沒(méi) 有約定保證份額的，保證人承擔(dān)連帶責(zé)任, 債權(quán)人可以要求任何一個(gè)保證人承擔(dān)全部 保證責(zé)任，保證人都負(fù)有擔(dān)保全部債權(quán)實(shí) 現(xiàn)

13、的義務(wù)。已經(jīng)承擔(dān)保證責(zé)任的保證人， 有權(quán)向債務(wù)人追償，或者要求承擔(dān)連帶責(zé) 任的其他保證人清償其應(yīng)當(dāng)承擔(dān)的份額。 第二節(jié)保證合同和保證方式 第十三條【保證合同的訂立】保證 人與債權(quán)人應(yīng)當(dāng)以書(shū)面形式訂立保證合 同。 第十四條【一時(shí)保證與最高額保證】 保證人與債權(quán)人可以就單個(gè)主合同分別訂 立保證合同，也可以協(xié)議在最高債權(quán)額限 度內(nèi)就一定期間連續(xù)發(fā)生的借款合同或者 某項(xiàng)商品交易合同訂立一個(gè)保證合同。 第十五條【保證合同的內(nèi)容】保證 合同應(yīng)當(dāng)包括以下內(nèi)容： （一）被保證的主債權(quán)種類、數(shù)額； （二）債務(wù)人履行債務(wù)的期限； Article 9 Schools, kindergartens, hospital

14、s and other institutions or social groups cannot act as guarantors. Article 10 Branches and functional departments of enterprise legal persons cannot act as guarantors. Branches of enterprise legal persons, with the legal person svritten empowerment, can offer guarantee within the authorized areas.

15、Article 11 No units or individuals shall force financial institutions such as banks or enterprises to offer guarantee; banks and other financial institutions and enterprises have the right to refuse forced demands for guarantees. Article 12 If one debt has more than two guarantors, the guarantors sh

16、all share their responsibility of guarantee in accordance with the arrangements laid down in the guarantee contract. If there are no arrangements on the share of guarantee responsibility, the guarantors shall assume joint responsibility and the creditor can demand any one of the guarantors to pay th

17、e whole debt; and any of the guarantors has the obligation to pay the total of the debt. The guarantor who has paid the debt has the right to seek compensations from the debtor, or demand other guarantors who have joint responsibility to pay their share. SECTION 2 GUARANTEE CONTRACT AND MODES OF GUA

18、RANTEE Article13 A guarantor and the creditor shall enter into a written guarantee contract. Article14 A guarantor and the creditor may enter into separate guarantee contracts for a specific principal contract. They can also make a guarantee contract that sets a maximum amount and covers several loa

19、ns contracts during a certain period, or covers certain commodity transactions. Article 15 The guarantee contract shall include the following information: 1. The categories and sums of the principal creditor s rights guaranteed; 2. The deadline for the debtor to pay the debt; 3. The mode of guarante

20、e; 4. The range covered by the guarantee; 5. The duration of the guarantee; 6. Other information deemed necessary by the signatories. Guarantee contracts that do not fully comply with the requirements set in the previous paragraph may be revised. Article 16 There are two modalities of guarantee: 1.

21、Ordinary guarantee; 2. Joint responsibility guarantee. Article 17 Ordinary guarantee refers to the arrangement in the guarantee contract that the guarantor assumes guarantee responsibility when the debtor fails to pay the debt. A guarantor under the arrangements of ordinary guarantee may refuse the

22、credit or s demand of assuming guarantee responsibilities before the principal contract undergoes judicial or arbitrary procedures and that the debtor remains incapable of paying the debt despite mandatory implementation against his properties. A guarantor cannot exercise the rights laid down in the

23、 previous section in one of the following occasions: 1. The debtor changes its residence, resulting to major difficulty for the creditor to request the debtor to pay the debt; 2. The implementation procedure is suspende d when the people s court accept and hear the debtor s bankruptcy case; 3. The g

24、uarantor gives up the responsibilities laid down in the previous paragraph through means of a written document. Article 18 Joint responsibility guarantee refers to the arrangements laid down in the guarantor contract that the guarantor and the debtor assume joint responsibility over the debts. When

25、the deadline as set on the principal contract is passed and the debtor with joint guarantee responsibilitiesfails to pay the debts, the creditor may demand the debtor to pay the debts or demand the guarantor to assume guarantee responsibilities within the range set in the contract. Article 19 When t

26、here is no arrangement or there is unclear arrangement on the modality of guarantee, the debtor and the guarantor shall assume joint guarantee responsibility. （三）保證的方式； （四）保證擔(dān)保的范圍； （五）保證的期間； （六）雙方認(rèn)為需要約定的其他事項(xiàng)。 保證合同不完全具備前款規(guī)定內(nèi)容 的，可以補(bǔ)正。 第十六條 【保證的方式】保證的方 式有： （一）一般保證； （二）連帶責(zé)任保證。 第十七條【一般保證及先訴抗辯權(quán)】 當(dāng)事人在保證合同中

27、約定，債務(wù)人不能履 行債務(wù)時(shí)，由保證人承擔(dān)保證責(zé)任的，為 一般保證。 一般保證的保證人在主合同糾紛未經(jīng) 審判或者仲裁，并就債務(wù)人財(cái)產(chǎn)依法強(qiáng)制 執(zhí)行仍不能履行債務(wù)前，對(duì)債權(quán)人可以拒 絕承擔(dān)保證責(zé)任。 有下列情形之一的，保證人不得行使 前款規(guī)定的權(quán)利： （一）債務(wù)人住所變更，致使債權(quán)人 要求其履行債務(wù)發(fā)生重大困難的； （二）人民法院受理債務(wù)人破產(chǎn)案件， 中止執(zhí)行程序的； （三）保證人以書(shū)面形式放棄前款規(guī) 定的權(quán)利的。 第十八條 【連帶責(zé)任保證】當(dāng)事人 在保證合同中約定保證人與債務(wù)人對(duì)債務(wù) 承擔(dān)連帶責(zé)任的，為連帶責(zé)任保證。 連帶責(zé)任保證的債務(wù)人在主合同規(guī)定 的債務(wù)履行期屆滿沒(méi)有履行債務(wù)的，債權(quán) 人可

28、以要求債務(wù)人履行債務(wù)，也可以要求 保證人在其保證范圍內(nèi)承擔(dān)保證責(zé)任。 第十九條 【保證方式?jīng)]有約定或約 定不明的推定】當(dāng)事人對(duì)保證方式?jīng)]有約 定或者約定不明確的，按照連帶責(zé)任保證 承擔(dān)保證責(zé)任。 第二十條 【保證人的一般抗辯權(quán)】 一般保證和連帶責(zé)任保證的保證人享有債 Article 20 A guarantor involved in either ordinary guarantee or joint responsibility guarantee has the right of counterplea. The guarantor stillhas the right to count

29、erplea even if the debtor gives up the right to counterplea. The right to counterplea refers to the debtor s right to counter creditor right to request according to statutory particulars of the matter, when the latter exercises its creditors rights. SECTION 3 GUARANTEE RESPONSIBILITIES Article 21 Th

30、e range of guarantee includes the principal debts and their interest, default fine, damage awards and expense for the realization of the creditors rights. Should there be other aangements in the guarantee contract, those arrangements shall be followed instead. If there is no arrangement or there is

31、unclear arrangement on the range of guarantee, the guarantor shall assume full responsibility over the total debts. Article 22 During the period of the guarantee, when the creditor transfers the principal creditors rights to a third party according to legal procedures, the guarantorshall continue to

32、 assume guarantee responsibilities over the range as set under the original guarantee contract. Should there be other arrangements set in the contract, those arrangements shall be followed instead. Article 23 During the duration of the guarantee, when the debtor, with the approval of the creditor, t

33、ransfers the debt, the transfer shall require a written approval from the guarantor. The guarantor assumes no more guarantee responsibilities over debts transferred without its approval. Article 24 When the creditor and the debtor changes the principal contract, they shall have beforehand the writte

34、n approval from the guarantor. The guarantor assumes no more guarantee responsibilities if the change is made without its approval. If there are other arrangements in the guarantee contract, those arrangements shall be followed instead. Article 25 For ordinary guarantee activities without arrangemen

35、ts on the duration of the guarantee, the duration shall be six months following the date of the expiration of the principal debts. 務(wù)人的抗辯權(quán)。債務(wù)人放棄對(duì)債務(wù)的抗辯 權(quán)的，保證人仍有權(quán)抗辯。 s 抗辯權(quán)是指?jìng)鶛?quán)人行使債權(quán)時(shí)，債務(wù) 人根據(jù)法定事由，對(duì)抗債權(quán)人行使請(qǐng)求權(quán) 的權(quán)利。 第三節(jié)保證責(zé)任 第二條【保證范圍】保證擔(dān)保 的范圍包括主債權(quán)及利息、違約金、損害 賠償金和實(shí)現(xiàn)債權(quán)的費(fèi)用。保證合同另有 約定的，按照約定。 當(dāng)事人對(duì)保證擔(dān)保的范圍沒(méi)有約定或 者約定不明確的

36、，保證人應(yīng)當(dāng)對(duì)全部債務(wù) 承擔(dān)責(zé)任。 第二十二條【債權(quán)讓與對(duì)保證責(zé)任 的影響】保證期間，債權(quán)人依法將主債權(quán) 轉(zhuǎn)讓給第三人的，保證人在原保證擔(dān)保的 范圍內(nèi)繼續(xù)承擔(dān)保證責(zé)任。保證合同另有 約定的，按照約定。 第二十三條【債務(wù)承擔(dān)對(duì)保證責(zé)任 的影響】保證期間，債權(quán)人許可債務(wù)人轉(zhuǎn) 讓債務(wù)的，應(yīng)當(dāng)取得保證人書(shū)面同意，保 證人對(duì)未經(jīng)其同意轉(zhuǎn)讓的債務(wù)，不再承擔(dān) 保證責(zé)任。 第二十四條【債的變更對(duì)保證責(zé)任 的影響】債權(quán)人與債務(wù)人協(xié)議變更主合同 的，應(yīng)當(dāng)取得保證人書(shū)面同意，未經(jīng)保證 人書(shū)面同意的，保證人不再承擔(dān)保證責(zé)任。 保證合同另有約定的，按照約定。 第二十五條【一般保證的保證期間】 一般保證的保證人與債權(quán)人未

37、約定保證期 間的，保證期間為主債務(wù)履行期屆滿之日 起六個(gè)月。 在合同約定的保證期間和前款規(guī)定的 保證期間，債權(quán)人未對(duì)債務(wù)人提起訴訟或 者申請(qǐng)仲裁的，保證人免除保證責(zé)任；債 權(quán)人已提起訴訟或者申請(qǐng)仲裁的，保證期 間適用訴訟時(shí)效中斷的規(guī)定。 During the duration as set in the guarantee contract or that described in the previous paragraph, if the creditor fails to file litigation or arbitration requests, the guarantor sha

38、ll be exempt from guarantee responsibilities; if the creditor has filed litigation or arbitration requests, the duration of guarantee follows the procedures on suspension prescribed period for litigation. Article 26 If no arrangements on the duration of guarantee are made between the creditor and th

39、e guarantor with joint guarantee responsibilities, the creditorhas therightto requesttheguarantorto assume the guarantor rightduring the sixmonths since the end ofthe execution period of the principal debt. During the period of the guaranteeandthe periodasstated inthe previous paragraph, if thecredi

40、torfailsto requesttheguarantorto assume guarantee responsibilities, the guarantor can be exempt from guarantee responsibilities. Article 27 If the guarantor guarantees several consecutive debts, as described in Article 14 of the this law, and there are no arrangements on the duration of guarantee, t

41、he guarantor may notify the creditor of the termination of the guarantor contract through means of a written document at any time, but the guarantor has to assume guarantee responsibilities over the creditors rights incurred before the time when the creditor receives the written notification. Articl

42、e 28 If the same creditor rights has both guarantee and real security, the guarantor assumes guarantee responsibilities over the creditor s right other than guaranteed by real security. If a creditor gives up the real security, the guarantor will be exempt from the guarantor rights over the rights t

43、hat the creditor gives up. Article 29 If the branches of enterprise legal persons enter into guarantee contracts without the written empowerment of the enterprise legal person concerned or exceeding the empowerment of the enterprise legal person, the guarantee contract or those parts of the guarante

44、e contract that exceed the empowerment shall be nullified. If both the creditor and the enterprise legal person commit mistakes, they shall assume due civil responsibilities in accordance with their mistakes; if the creditor makes no mistakes, the enterprise legal person shall assume civil responsib

45、ilities. Article 30 A guarantor assumes no civil responsibilities in the following two occasions: 1. The parties to the principal contract collaborate to cheat the guarantor into giving guarantees; 2. The creditor of the principal contract, through means such as fraud and coercion, prompts the guara

46、ntor to give guarantee in violation of the true conditions. Article 31 The guarantor, after assuming the guarantee responsibilities, 第二十六條【連帶責(zé)任的保證期間】 連帶責(zé)任保證的保證人與債權(quán)人未約定保 證期間的，債權(quán)人有權(quán)自主債務(wù)履行期屆 滿之日起六個(gè)月內(nèi)要求保證人承擔(dān)保證責(zé) 任。 在合同約定的保證期間和前款規(guī)定的 保證期間，債權(quán)人未要求保證人承擔(dān)保證 責(zé)任的，保證人免除保證責(zé)任。 第二十七條【最高額保證的保證期 間】保證人依照本法第十四條規(guī)定就連續(xù) 發(fā)生的債

47、權(quán)作保證，未約定保證期間的， 保證人可以隨時(shí)書(shū)面通知債權(quán)人終止保證 合同，但保證人對(duì)于通知到債權(quán)人前所發(fā) 生的債權(quán)，承擔(dān)保證責(zé)任。 第二十八條【保證擔(dān)保與物的擔(dān)保 并存時(shí)保證責(zé)任的承擔(dān)】同一債權(quán)既有保 證又有物的擔(dān)保的，保證人對(duì)物的擔(dān)保以 外的債權(quán)承擔(dān)保證責(zé)任。 債權(quán)人放棄物的擔(dān)保的，保證人在債 權(quán)人放棄權(quán)利的范圍內(nèi)免除保證責(zé)任。 第二十九條【企業(yè)法人的分支機(jī)構(gòu) 訂立的無(wú)效保證合同的處理】企業(yè)法人的 分支機(jī)構(gòu)未經(jīng)法人書(shū)面授權(quán)或者超岀授權(quán) 范圍與債權(quán)人訂立保證合同的，該合同無(wú) 效或者超岀授權(quán)范圍的部分無(wú)效，債權(quán)人 和企業(yè)法人有過(guò)錯(cuò)的，應(yīng)當(dāng)根據(jù)其過(guò)錯(cuò)各 自承擔(dān)相應(yīng)的民事責(zé)任；債權(quán)人無(wú)過(guò)錯(cuò)的, 由企

48、業(yè)法人承擔(dān)民事責(zé)任。 第三十條 【保證責(zé)任的免除】有下 列情形之一的，保證人不承擔(dān)民事責(zé)任： （一）主合同當(dāng)事人雙方串通，騙取 保證人提供保證的； （二）主合同債權(quán)人采取欺詐、脅迫 等手段，使保證人在違背真實(shí)意思的情況 下提供保證的。 第三十一條【保證人的追償權(quán)】保 證人承擔(dān)保證責(zé)任后，有權(quán)向債務(wù)人追償。 is entitled to seek recompensation. Article 32 When a people sourt accepts and listens to the debtor s bankruptcy case, if the creditor fails to s

49、ubmit its creditorrigsits, the guarantor may participate in the distribution of the bankrupt properties and exercise the right of being recompensated in advance. CHAPTER 3 MORTGAGE SECTION 1 MORTGAGE AND OBJECTS OF PLEDGE Article 33 The mortgage described in this law refers to the act of the debtor,

50、 or the third party, who, without transferring the ownership of the properties as listed in Article 34 of this law, sets those properties as guarantee to the creditor s rights. When the debtor fails to pay the debt, the creditor has the right to get compensation, in accordance with the stipulations

51、of this law, by converting the properties into money or seek preferential payments from the proceeds from the auction or sales of the properties concerned. The debtor or the third party referred to in the previous paragraph is the mortgagor; the creditor is the mortgagee; and the properties used for

52、 guarantee is object of pledge. Article 34 The following properties can be used as mortgages: 1. The buildings and other fixed objects on the ground owned by the mortgagor; 2. The machines, transport means and other properties owned by the mortgagor; 3. State-owned land use rights, buildings and oth

53、er fixed objects on the ground that the mortgagor has the right to dispose of according to law; 4. State-owned machines, transport means and other properties that the mortgagor has the right to dispose of according to law; 5. Land use rights of barren hills, ravines, shoals and other wastelands the

54、mortgagor legally contracted, with the approval of the party that issued the contract; 6. Other properties that can be mortgaged according to law. The mortgagor may at once mortgage all the properties listed in the previous paragraph. Article 35 The creditor rights that the mortgagor mortgaged shall

55、 not exceed the value of the properties mortgaged. 第三十二條【保證人追償權(quán)的預(yù)先 行使】人民法院受理債務(wù)人破產(chǎn)案件后， 債權(quán)人未申報(bào)債權(quán)的，保證人可以參加破 產(chǎn)財(cái)產(chǎn)分配，預(yù)先行使追償權(quán)。 第三章抵押 第一節(jié)抵押和抵押物 第三十三條【抵押、抵押人、抵押 權(quán)人和抵押物】本法所稱抵押，是指?jìng)鶆?wù) 人或者第三人不轉(zhuǎn)移對(duì)本法第三十四條所 列財(cái)產(chǎn)的占有，將該財(cái)產(chǎn)作為債權(quán)的擔(dān)保。 債務(wù)人不履行債務(wù)時(shí)，債權(quán)人有權(quán)依照本 法規(guī)定以該財(cái)產(chǎn)折價(jià)或者以拍賣、變賣該 財(cái)產(chǎn)的價(jià)款優(yōu)先受償。 前款規(guī)定的債務(wù)人或者第三人為抵押 人，債權(quán)人為抵押權(quán)人，提供擔(dān)保的財(cái)產(chǎn) 為抵押物。

56、 第三十四條【抵押財(cái)產(chǎn)的范圍】下 列財(cái)產(chǎn)可以抵押： （一）抵押人所有的房屋和其他地上 定著物； （二）抵押人所有的機(jī)器、交通運(yùn)輸 工具和其他財(cái)產(chǎn)； （三）抵押人依法有權(quán)處分的國(guó)有的 土地使用權(quán)、房屋和其他地上定著物； （四）抵押人依法有權(quán)處分的國(guó)有的 機(jī)器、交通運(yùn)輸工具和其他財(cái)產(chǎn)； （五）抵押人依法承包并經(jīng)發(fā)包方同 意抵押的荒山、荒溝、荒丘、荒灘等荒地 的土地使用權(quán)； （六）依法可以抵押的其他財(cái)產(chǎn)。 抵押人可以將前款所列財(cái)產(chǎn)一并抵 押。 第三十五條【超額抵押之禁止】抵 押人所擔(dān)保的債權(quán)不得超出其抵押物的價(jià) 值。 財(cái)產(chǎn)抵押后，該財(cái)產(chǎn)的價(jià)值大于所擔(dān) 保債權(quán)的余額部分，可以再次抵押，但不 得超岀其余

57、額部分。 After being mortgaged, the balance of value of the properties that exceeds the creditor stsighn be mortgaged for a second time, but the sum of the mortgage shall not exceed the value of the balance. Article 36 If legally-acquired buildings on State-owned lands are mortgaged, the land use rights

58、 of the land occupied by the buildings shall also be mortgaged at the same time. The land use rights of State-owned lands acquired through means of transfer, when being mortgaged, the buildings on the land shall also be mortgaged at the same time. The land use rights per se of the township and villa

59、ge enterprises cannot be mortgaged. When the buildings of the township and village enterprises are mortgaged, the associated land use rights shall also be mortgaged at the same time. Article 37 The following properties shall not be mortgaged: 1. The ownership of lands; 2. The land use rights of farm

60、lands, house sites, lands and hills allotted for personal needs and other collective-owned lands except those listed in Section 5 of Article 34 and the third paragraph of Article 36. 3. Educational, medical and other public welfare facilities of schools, kindergartens, hospitals and other institutio