文献类型：期刊文献

中文题名：金融质押担保创新对传统质权制度的挑战和立法应对

英文题名：The Challenge of the Financial Pledge Guarantee Innovation to the Traditional Pledge Right System and Relevant Legislative Response

作者：代瑞[1]

第一作者：代瑞

机构：[1]河南财经政法大学民商经济法学院

第一机构：河南财经政法大学法学院|河南财经政法大学民商经济法学院

年份：2019

卷号：13

期号：1

起止页码：45-52

中文期刊名：北方法学

外文期刊名：Northern Legal Science

收录：国家哲学社会科学学术期刊数据库;北大核心:【北大核心2017】；CSSCI:【CSSCI_E2019_2020】；

基金：教育部人文社会科学研究项目"金融担保服务创新下完善质权立法研究"(17YJA820003)的研究成果

语种：中文

中文关键词：金融服务创新;质权;物权法定;物权公示

外文关键词：the innovation of financial service;right of pledge;the numerus clausus;the principle of public summons of right

摘要：金融服务创新中出现了一些新型的质押担保,按物权法定原则和物权公示原则本不应具有物权效力,但却为司法裁判所尊重、认可。面对金融质押担保的创新发展,未来《民法典》物权编质权立法应予以积极应对:改采物权创设自由主义的同时,坚持物权公示原则为物债二分之结构性原则;"互联网+"时代应以登记作为质权公示方法,并设立统一的、数据化的动产(权利)质押担保登记制度,登记是质权效力的对抗要件;权利质权的实现方式应尊重当事人意思自治,不以拍卖、变卖、折价为限。
There are some new pledge guarantees emerged in the innovation of financial service,which should not have the effect of real right according to the numerus clausus and the principle of public summons of right,but they are respected and accepted by the judicial judges. In the face of innovation and development of financial pledge guarantee,the legislation of real right in the future Civil Code should be actively addressed. While using the creation of the real right liberalism,we should adhere to the structural principle of public summons of right which divided into property and debt. The Internet + era should use registration as the method of disclosure of pledge right,and set up a unified,digital movable property( right) pledge guarantee registration system,while registration is the quality of the effectiveness of the confrontation elements. The realization of the right to pledge should respect the party’s autonomy,not limit to auction,sale or discount.