担保理论的几处疑问

通说认为：抵押权效力及于抵押物之孳息、添附后之补偿金、新物、共有份额、附属物、从物、从权利。第三人提供担保物，物保不优先人保。第三人清偿，利害关系人发生代位权，非利害关系人不发生代位权。本文指出：因是否需要补偿抵押物价值减少之不同，抵押权效力之“及于”，包括：含处分效力和次序决定效力；仅有处分效力，不合次序决定效力。无论债务人还是第三人提供担保物，物保均应优先于人保。无论是否有利害关系，第三人清偿均应发生代位权。

Several Problems of Guaranty Theory

The common theory is: The mortgage potency reaches the fruits of the gage,the appended after the compensatory payment,the new share,the joint estate,the accidental,the accessory thing,the accessory right.The third person provides the guarantee,the property guaranty is not superior to personal guaranty.The third person pays off,the formidable sponsor has the subrogation,and non-formidable sponsor does not have the subrogation.This article pointed out: 1.for whether compensate the pawn value reduction is diff...