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世界银行通过对全球145个国家和地区的调查曾经得出这样的结论:好的担保法律等于更多的银行信贷,好的担保法律能够减少违约、降低利差。我国现行担保法律制度的价值取向是重交易安全轻经济效率、重眼前利益轻长远利益,难以适应社会主义市场经济发展的新形势新要求。今年3月十届全国人大五次会议通过的物权法,整合了现有的担保物权法律规范,使我国担保物权制度取得突破性进展,无疑对我国银行信贷业务拓展和风险防范将会产生重大影响。本文试从担保物权角度作一粗浅分析。
A World Bank survey of 145 countries and regions has reached the conclusion that a good guarantee law equates to more bank credit and good security laws can reduce defaults and lower spreads. The value orientation of the current legal system of guarantee in our country is a new requirement of the new situation, which emphasizes the importance of safe and light economic efficiency of transactions, long-term interests of light and long-term interests, and difficulties in meeting the requirements of the socialist market economy. The Property Law, passed by the Fifth Session of the Tenth NPC in March this year, integrates the existing legal norms governing security interests and makes a breakthrough in the system of secured property rights in our country. It undoubtedly will have a significant impact on the expansion of our banking business and the prevention of risks influences. This article tries to make a superficial analysis from the perspective of security interest.