我国物权法抵押权制度的缺失与完善

我国物权法关于企业财产集合抵押应明确规定无形财产和权利可以一并抵押;应建立体现抵押权不可分性的相关规范;虽然基本确认了抵押物与被担保的债权数额的价值比不应限制为大于和等于,还可以是小于,但相关条文需要明确细化;关于抵押权实现的顺位,次序权既要保障前顺位抵押权人的债权数额上受偿的优先,又要保障其债权受偿期限的优先,并采纳次序固定主义为我国抵押权次序变化原则.

The Shortage and Improvement of Mortgage System of Jus rerum

Our country's jus rerum should regulate that intangible property and rights may be mortgaged as a whole in enterprise property consortium mortgage;should establish the regulation that expresses the nature of impartibility of mortgage;less should be detailed in interrelated provision,though value ratio between collateral and creditor's fights guaranteed has been stipulated as greater or equal;about order of implement of mortgage, order rights not only ensure the priority of former mortgagee's volume,but also the priority of period,and ab- sorb principal of sequence affixation as principal of mortgage's change.