关联合同中产生于买卖合同的抗辩权对贷款合同的适用性问题——从一则案例看德国消费信贷法抗辩权延伸制度

随着我国商品房买卖纠纷案件的不断发生,司法实践面临着诸多难以解决的新问题,其中一个重要问题就是在信贷消费中产生于买卖合同的抗辩权是否可以适用于与其构成关联合同的贷款合同的问题.作为消费信贷法中的一项重要制度,德国消费信贷法的抗辩权延伸制度赋予消费者在买卖合同与贷款合同构成关联合同的情况下,以买卖合同所产生的对销售者的抗辩权来对抗贷款合同中的贷款人的权利.这一制度安排使消费者不至于因为关联合同中买卖合同与贷款合同的分离而承担比传统买卖合同更大的风险,致力于消费者保护.

The Application of the Right to Plea in the Supply Contract to the Credit Contract in the Debtor-creditor- supplier Relationship

With the increasing number of disputes rising from the purchase of the commercial apartments,Chinese courts are facing difficulties in rendering judgments on the new issues concerned.One of these difficulties is whether the right to plea in the supply contract could be applied to the credit contract in the Debtor-creditor-supplier relationship.As one of the important theory in the debtor-creditor-supplier relationship,the institute of Einwendungsdurchgriff in German consumer credit regulation enables consumer to stop payment of the loan to the creditor if the supplier has not properly enforced the supply contract.This institute aims at protecting the consumer from facing greater risk due to the separation of the supply contract from the credit contract in the debtor-creditor-supplier relationship than in the traditional purchasing contract.