中小企业动产担保融资的法律冲突及对策

越来越多的商业银行在政府的鼓励和自身商业利益驱动下,研究并提供基于供应链金融的中小企业融资,其中动产融资是商业银行为中小企业提供金融服务的较好切入点.但是,2007年《物权法》颁布后,同一动产既能够进行质押,也能够进行抵押,由于现有国内法律体系的缺失,容易造成同一动产下多个担保权冲突,从 而导致银行担保物权落空,这种忧虑已经成为商业银行开展中小企业动产担保融资业务的重要障碍.本文深入分析了这种冲突产生的原因及不利影响,并从国内物权法的法律实践出发,对比其他大陆法系国家物权法的相关处理规定,提出强化商业银行的风险控制手段、提升中小企业的法律认识、完善物权法司法解释和动产担保登记查询体系等多方面建议,推动解决中小企业融资难问题.

The Law Conflict and Suggestions of Minor Enterprise Financing Based Chattel Hypothec

More and more commercial banks,which are both supported by government and drove by self interests,research and provide minor enterprise financing based on supply-chain finance,in which chattel hypothec financing is regarded as good service for minor enterprise.But,since property law has been issued in 2007,chattel can be as both pledge and mortgage,which therefore may rise conflict between different hypothec because of the deficiency of civil law system.So commercial banks nowadays are worrying about the co...