[法律资料]抵押权论文：抵押权证券化制度研究.doc

抵押权论文：抵押权证券化制度研究【中文摘要】担保制度从产生到发展始终以商品经济为中心,在不同的时期满足经济的不同要求,作为担保制度中“担保之王”抵押权制度更是为经济发展注入了活力,进一步促进了交易的安全与快捷。在市场经济高速发展的今天,对抵押权制度发展又提出了新的要求,就是实现独立化、证券化,通过自身的流通,实现投资与融资的双赢。证券化的抵押权有安全和效率两重属性,一方面作为债权的担保能保证债权的实现,另一方面自身能独立,且以证券形式发行,能加速资本的流通与循环,进而繁荣金融市场。特别是在当下,物价、房价飙升,利率与物价水平倒挂时,投资主体迫切需要一种保值的渠道,同时,大量的中小企业在向银行借贷困难较大时,又需要社会闲散资金的支持,所以,实现抵押权的证券化能有效的化解这种矛盾,促成双方各得其所。本文以抵押权证券化制度研究为题目,主要阐述抵押权的发展经历和现状,用归纳、比较等方法,结合分析发达国家的相关立法,结合目前中国的一些实践,提出在我国以后的抵押权需要实现证券化时的立法建议。论文重在突出我国抵押权制度完善的模式,需要改进的制度。论文共分为三大部分：第一部分抵押权及抵押权证券化概述主要讲述抵押权的规定及历史发展,阐述其证券化的发展趋势,进而分析证券化抵押权的特点、功能、效果等,指出实现抵押权证券化的必要性。第二部分抵押权证券化在国外主要分析抵押权证券化在一些发达国家的发展状况,包括德国、日本、英美等,并对这几个国家的制度规定进行比较,进而对我国以后的发展进行有效借鉴。第三部分我国抵押权证券化制度研究主要阐述我国实现抵押权证券化的必要性及可行性,及需要遵循的一些制度原则,进而分析我国应该构建的抵押权证券化的模式。通过对我国需要的制度的设置或完善,对我国以后的立法提供建议。【英文摘要】Guarantee system has always been from generation to the development of commodity economy as the center, to meet different requirements of the economy at different times, as a security system “security of the King”.Mortgage System is energized for economic development and further promote the trade security and fast. Today, rapid economic development in the market, the development of the mortgage system has raised new demands, that is, independence and securitization, then,through its own distribution, investment and financing to achieve win-win situation. Securitization of mortgages has double the safety and efficiency of property as security for debt,on one hand can guarantee creditor, on the other hand their own independently, and in the form of securities issued to accelerate the flow and circulation of capital, financial markets and thus prosperity Especially in the moment, soaring prices, interest rate and price level upside down, the urgent need for a preservation of investment channels, while a large number of SME is quite difficult to borrow from banks when they need the support of social idle capital. Therefore, the securitization of the mortgage can effectively resolve this conflict and lead to both their places. This paper, make the system of mortgage securitization as the subject, mainly discusses the development of mortgage experience and status, by induction, comparison and other methods, combined with analysis of relevant legislation in developed countries, combined with some of Chinas current practice, made a mortgage the future in China.the time required to implement the legislative proposals of securitization. Our paper focuses on outstanding mortgage perfect model system, the need to improve the system. Paper is divided into three parts:the first part of the mortgage and mortgage securities mortgage described outlined the main provisions and historical development, and describes the development trend of its securities, and then analyzes the characteristics of mortgage securities, functions, effects, pointed out that the realization of the need for mortgage securities. The second part of the mortgage securitization of mortgages in foreign securities primarily in the development of some developed countries, including Germany, Japan, Britain and America, and the system requires these countries to compare, then the future development of China valid reference. The third part of the mortgage securitization system researched on the mortgage securities of the necessity and feasibility, and the need to follow some system of principles, should be constructed and then analysis of the mortgage securitization model. China needs a system by setting or improvement of legislation on the advice of the future.【关键词】抵押权 证券化 独立 流通【英文关键词】mortgage securities independent circulation【目录】抵押权证券化制度研究中文摘要8-9ABSTRACT9-10前言11-12一、抵押权及抵押权证券化概述12-22(一) 抵押权概述及历史沿革12-161、抵押权概述12-132、抵押权的历史沿革13-153、抵押权独立性15-16(二) 抵押权证券化概述及特点16-171、抵押权证券化的定义162、抵押权证券化的特点16-17(三) 抵押权证券化的功能17-191、抵押权证券化的流通功能17-182、抵押权证券化的投资融资功能18-19(四) 抵押权证券化的效果19-221、法律效果19-202、社会效果20-22二、抵押权证券化在国外22-34(一) 抵押权证券化在德国22-24(二) 抵押权证券化在日本24-27(三) 抵押权证券化在英美27-30(四) 德国、日本、英美法中抵押权证券化比较30-341、德国与日本抵押权证券化比较30-312、德国与英美法抵押权证券化比较31-323、对国外抵押证券化的有效借鉴32-34三、我国抵押权证券化制度研究34-48(一) 我国实行抵押权证券化的依据34-371、我国实行抵押权证券化的必要性34-352、我国实行抵押权证券化的可行性35-37(二) 抵押权证券化在我国的模式构建37-481、抵押权证券化需要的制度基础37-43(1) 抵