[法律資料]抵押權(quán)論文：抵押權(quán)證券化制度研究

1、. 抵押權(quán)論文：抵押權(quán)證券化制度研究【中文摘要】擔(dān)保制度從產(chǎn)生到發(fā)展始終以商品經(jīng)濟(jì)為中心,在不同的時期滿足經(jīng)濟(jì)的不同要求,作為擔(dān)保制度中“擔(dān)保之王”抵押權(quán)制度更是為經(jīng)濟(jì)發(fā)展注入了活力,進(jìn)一步促進(jìn)了交易的安全與快捷。在市場經(jīng)濟(jì)高速發(fā)展的今天,對抵押權(quán)制度發(fā)展又提出了新的要求,就是實現(xiàn)獨立化、證券化,通過自身的流通,實現(xiàn)投資與融資的雙贏。證券化的抵押權(quán)有安全和效率兩重屬性,一方面作為債權(quán)的擔(dān)保能保證債權(quán)的實現(xiàn),另一方面自身能獨立,且以證券形式發(fā)行,能加速資本的流通與循環(huán),進(jìn)而繁榮金融市場。特別是在當(dāng)下,物價、房價飆升,利率與物價水平倒掛時,投資主體迫切需要一種保值的渠道,同時,大量的中小企業(yè)在向銀

2、行借貸困難較大時,又需要社會閑散資金的支持,所以,實現(xiàn)抵押權(quán)的證券化能有效的化解這種矛盾,促成雙方各得其所。本文以抵押權(quán)證券化制度研究為題目,主要闡述抵押權(quán)的發(fā)展經(jīng)歷和現(xiàn)狀,用歸納、比較等方法,結(jié)合分析發(fā)達(dá)國家的相關(guān)立法,結(jié)合目前中國的一些實踐,提出在我國以后的抵押權(quán)需要實現(xiàn)證券化時的立法建議。論文重在突出我國抵押權(quán)制度完善的模式,需要改進(jìn)的制度。論文共分為三大部分：第一部分抵押權(quán)及抵押權(quán)證券化概述主要講述抵押權(quán)的規(guī)定及歷史發(fā)展,闡述其證券化的發(fā)展趨勢,進(jìn)而分析證券化抵押權(quán)的特點、功能、效果等,指出實現(xiàn)抵押權(quán)證券化的必要性。第二部分抵押權(quán)證券化在國外主要分析抵押權(quán)證券化在一些發(fā)達(dá)國家的發(fā)展?fàn)顩r

3、,包括德國、日本、英美等,并對這幾個國家的制度規(guī)定進(jìn)行比較,進(jìn)而對我國以后的發(fā)展進(jìn)行有效借鑒。第三部分我國抵押權(quán)證券化制度研究主要闡述我國實現(xiàn)抵押權(quán)證券化的必要性及可行性,及需要遵循的一些制度原則,進(jìn)而分析我國應(yīng)該構(gòu)建的抵押權(quán)證券化的模式。通過對我國需要的制度的設(shè)置或完善,對我國以后的立法提供建議?！居⑽恼縂uarantee system has always been from generation to the development of commodity economy as the center, to meet different requirements of the ec

4、onomy at different times, as a security system “security of the King”.Mortgage System is energized for economic development and further promote the trade security and fast. Today, rapid economic development in the market, the development of the mortgage system has raised new demands, that is, indepe

5、ndence and securitization, then,through its own distribution, investment and financing to achieve win-win situation. Securitization of mortgages has double the safety and efficiency of property as security for debt,on one hand can guarantee creditor, on the other hand their own independently, and in

6、 the form of securities issued to accelerate the flow and circulation of capital, financial markets and thus prosperity Especially in the moment, soaring prices, interest rate and price level upside down, the urgent need for a preservation of investment channels, while a large number of SME is quite

7、 difficult to borrow from banks when they need the support of social idle capital. Therefore, the securitization of the mortgage can effectively resolve this conflict and lead to both their places. This paper, make the system of mortgage securitization as the subject, mainly discusses the developmen

8、t of mortgage experience and status, by induction, comparison and other methods, combined with analysis of relevant legislation in developed countries, combined with some of Chinas current practice, made a mortgage the future in China.the time required to implement the legislative proposals of secur

9、itization. Our paper focuses on outstanding mortgage perfect model system, the need to improve the system. Paper is divided into three parts:the first part of the mortgage and mortgage securities mortgage described outlined the main provisions and historical development, and describes the developmen

10、t trend of its securities, and then analyzes the characteristics of mortgage securities, functions, effects, pointed out that the realization of the need for mortgage securities. The second part of the mortgage securitization of mortgages in foreign securities primarily in the development of some de

11、veloped countries, including Germany, Japan, Britain and America, and the system requires these countries to compare, then the future development of China valid reference. The third part of the mortgage securitization system researched on the mortgage securities of the necessity and feasibility, and

12、 the need to follow some system of principles, should be constructed and then analysis of the mortgage securitization model. China needs a system by setting or improvement of legislation on the advice of the future.【關(guān)鍵詞】抵押權(quán) 證券化 獨立 流通【英文關(guān)鍵詞】mortgage securities independent circulation【目錄】抵押權(quán)證券化制度研究 中文

13、摘要 8-9 ABSTRACT 9-10 前言 11-12 一、抵押權(quán)及抵押權(quán)證券化概述 12-22 (一) 抵押權(quán)概述及歷史沿革 12-16 1、抵押權(quán)概述 12-13 2、抵押權(quán)的歷史沿革 13-15 3、抵押權(quán)獨立性 15-16 (二) 抵押權(quán)證券化概述及特點 16-17 1、抵押權(quán)證券化的定義 16 2、抵押權(quán)證券化的特點 16-17 (三) 抵押權(quán)證券化的功能 17-19 1、抵押權(quán)證券化的流通功能 17-18 2、抵押權(quán)證券化的投資融資功能 18-19 (四) 抵押權(quán)證券化的效果 19-22 1、法律效果 19-20 2、社會效果 20-22 二、抵押權(quán)證券化在國外 22-34 (

14、一) 抵押權(quán)證券化在德國 22-24 (二) 抵押權(quán)證券化在日本 24-27 (三) 抵押權(quán)證券化在英美 27-30 (四) 德國、日本、英美法中抵押權(quán)證券化比較 30-34 1、德國與日本抵押權(quán)證券化比較 30-31 2、德國與英美法抵押權(quán)證券化比較 31-32 3、對國外抵押證券化的有效借鑒 32-34 三、我國抵押權(quán)證券化制度研究 34-48 (一) 我國實行抵押權(quán)證券化的依據(jù) 34-37 1、我國實行抵押權(quán)證券化的必要性 34-35 2、我國實行抵押權(quán)證券化的可行性 35-37 (二) 抵押權(quán)證券化在我國的模式構(gòu)建 37-48 1、抵押權(quán)證券化需要的制度基礎(chǔ) 37-43 (1) 抵押權(quán)證券化制度的原則 37-39 (2)