对抵押权顺位的法律问题研究

抵押担保是实践中常见的一种防范债权风险,保障交易安全的债权担保方式.由于抵押关系中不转移担保物的实际占有,在同一物上设立多个抵押权成为可能.抵押物变卖时,并存于同一抵押物之上的数个抵押权以什么顺序获偿涉及抵押权能否实现以及能够实现的范围,由此引发了抵押权顺位的问题.我国《担保法》及其司法解释和《物权法》就抵押权顺位的规定均提之甚少,而抵押权的顺位实则蕴涵着抵押权人可能获偿的利益,对抵押权人来说具有重要的意义,同时也影响着抵押物所有人的再融资,所以,对抵押权顺位的研究颇具现实意义.

Legal Research on the Sequence of the Mortgage

Being an important kind of security,mortgage is a common way to prevent credit risks and guarantee transaction security in practice.Because the actual possession of subject matter not transferred,setting up a couple of mortgages over a same object becomes possible.When the collateral is sold up,the sequence of the materialization of such mortgages eventually affects whether and how much(if any) the priority of the mortgages can be realized,generating the issue of the sequence of the mortgage.China’s Guarantee Law and its judicial interpretation as well as Property Law merely have a few general provisions with respect to the issue.The sequence of the mortgage is very important for both the mortgagee and the mortgagor for it means the possible interests of the mortgagee,and also affects the possibility of the mortgagor’s refunding.Therefore,it is of realistic significance to study the sequence of the mortgage.