mortgage creditor 中文意思是什麼
mortgage creditor
解釋
抵押債權人-
This article consists of five parts as following : mortgage of uncompleted building was originated from the common law and the law of hong kong, so the paper probes into its meaning - the transformation of the specific property right ; when the debtor fails to perform his duty, the creditor can obtain the title determinately ; the debtor enjoys the right of redeeming the collateral security through fulfilling his debt, the creditor has the obligation of returning the property at the same time. secondly, the author summaries its essential feature on the practice of the real estate mortgage hi the mainland of china - the target of the mortgage is a kind of expective interest ; the mortgage is a kind of guarantee which is settled through making over the interests in expectancy ; the risk of the mortgaged uncompleted building should be borne by the realty company instead of the mortgagor ; the phase of the mortgage ; mortgage is realized in a particular way. thirdly, on the basis of analyzing the legal nexus that is involved, the paper points out that the legal ne xus of the mortgage is just between the mortgagor and the mortgagee
樓花按揭作為一種擔保方式起源於英美法上的mortgage ，所以本文第一部分首先探討了mortgage在英美法上的含義：特定財產權利的轉移；在債務人不履行債務時，債權人可以確定地取得所有權；債務人享有通過履行債務而贖回擔保物的權利，同時債權人負有交還財產的義務。其次，就我國的樓花按揭實踐總結了其基本特徵：樓花按揭涉及兩個合同三方當事人；樓花按揭的標的是一種期待性利益；樓花按揭是通過轉讓物業權益而設定的一種擔保方式；預售樓花滅失的風險應有開發商承擔；樓花按揭的階段性；樓花按揭實現方式的特殊性。最後，分析了樓花按揭所牽涉的各個法律關系，認為真正的樓花按揭法律關系只是購房人與銀行之間的按揭貸款關系，按揭當事人只有購房人（按揭人）與銀行。 -
A bank is a creditor when it issues a $30, 000 mortgage.
當銀行發放一筆三萬美元的房屋抵押貸款時，它是債權人。 -
By analyzing to maximum amount mortgage in this part, and examining provisions of the sixty - first forbid primary contract creditor ' s right assignment in our countries " law relating to guarantees ", pointing out unreason of this provision
該部分基於對最高額抵押權特徵的分析，對我國《擔保法》第61條禁止主合同債權轉讓的規定進行了檢討，指出該條規定的不合理性。 -
Article 61 the creditor ' s right to the principal contract secured by a mortgage of maximum amount may not be transferred
第六十一條最高額抵押的主合同債權不得轉讓。 -
Aspect 3. mortgage term mortgage term is a valid duration in which mortgage can exercise his mortgage based on parties " arrangements or legal regulations. during the term mortgagee exercises mortgage so that his own creditor ' s right can be accomplished priorly
三、抵押期間才耐甲權期間，又利時耐甲權期限，是才豺民澹當事人的約定或者法律規定漪劃甲牙丸氣能夠行圖耐甲權的有效期間。 -
The characteristics of home mortgages themselves determines that there will be poor liquidity of the assets and it is because of this that at present every bank closely restricts the term of the loan. a third defect is that there are large risks because the mortgage loan is a very long - term creditor ' s asset and the bank is faced with huge risks in the interest rates. in addition, credit risks will occur when the client losses their ability to repay the loan for any reason or when the client feels that the benefits of breaching the contract outweigh the losses and the bank, as the operator of the financial products as its main business, will promptly recover the mortgaged items
儲蓄期限一般較短，而按揭貸款的還款期限較長，銀行長期資產與短期負債不匹配，就不能化解未來不確定性帶來的風險；二是資產的流動性和期限呈反方向變動，期限越長，流動性越低，住房抵押貸款本身的特性決定了其流動性較差，因此目前各銀行都嚴格限制貸款期限；三是風險大，由於按揭貸款是期限很長的債權資產，銀行面臨的利率風險就很大；另外，當客戶因某種原因失去償還能力或者認為違約產生的利益超過違約所產生的損失時，就會發生信用風險，而銀行以金融產品為主要業務，即使收回抵押物，但如何處置不良資產仍是諸多銀行頭痛的問題。 -
In addition, i also discoursed that general creditor ' s right is n ' t in the range of maximum amount mortgage, and also related it is not precise
另外，論述了概括債權不在最高額抵押擔保之列，並檢討我國《擔保法》第59條規定的不嚴謹性。 -
Section i mainly probes into the questions of the conception, nature, characteristics of the mortgage and the classification and variety of mortgage as well. while in section ii, the paper particularly analyzes the questions of the acquiring approach of mortgage, the parties to the mortgage contract, the target objects of mortgage contract, the prescription and content of mortgage contract, mortgage registration, the organizations of mortgage registration, the procedures of mortgage registration, etc. and section iii mainly illustrates the questions of the scope of creditor ' s rights of mortgage guarantee, the scope of target objects connected with the effect of mortgage, the party ' s rights and obligations in mortgage affairs ; the relationship between mortgage and guarantee, the conflicts between mortgage and other real rights granted by way of security
第一部分主要就抵押權及抵押的概念、性質、特徵、抵押權的分類、種類等問題進行了探討；第二部分著重分析了抵押權的獲得方式、抵押合同的當事人、抵押合同的標的物、抵押合同的訂立、內容，抵押登記、抵押登記機關、抵押登記程序；第三部分闡述了抵押擔保的債權的范圍，抵押權效力所及的標的物的范圍，抵押關系中當事人的權利義務，抵押與保證的關系，抵押權與其他擔保物權的競合，抵押權的處分；第四部分探討了抵押權的實現條件，抵押權的實現途徑，抵押權的實現方式，抵押權實現的限制，抵押權的次序，抵押權的消滅；第五部分重點研究了權利抵押權、最高額抵押權中的若干問題。 -
When guaranteed creditor ' s right is overdue, mortgagee can claim for the security by legal means to obtain its exchanged value and to accomplish their own creditor ' s right without need for mortgagor intervention, so the fundamental pursuit of mortgage is security ' s exchanged value and the nature of mortgage is right towards exchanged value. aspect 2
在被擔保的債權逾期未得到清償時，抵押權人有權通過法定程序，在不需要抵押人介入的情況下即可對抵押物行使權利，取得其交換價值，以實現自己的債權，因而，交換應當是抵押權的根本目的之所在，抵押權在本質上實為換價權。 -
This thesis is divided into five parts. in the first part, through the comparison between mortgage and the pledge rights, and drawing lessons from wang limin ( professor of china people ' s university ) ' s idea, the author gives a definition to the pledge rights : it ' s the rights that when the debtor does n ' t fulfill his obligation, the creditor can be given the legal rights to take possession of a house or some other property as a security for payment of money lent. then the author makes further explanation to the pledge rights from the which analyzes the legal meaning of returing the security wantonly, although the supreme court made it clear that " after the creditor returned the security to the debtor, and comfronts the third person based on the pledge rights, the court will not support it ", thecourt did n ' t explicit whether the pledge rights dies out or is invalid. the author poses out when in this situation, the pledge rights dies out
如在論述動產質權實現條件時，分析了我國《擔保法》第七十一條的不足之處並提出了自己的見解：職權人只能在非自身的原因未能受到清償時才能實現其質權；質權實現時質物價值超過約定價值的部分應歸出質人所有；而質權人怠於行使質權而使質物價值下跌的，質權人應承擔賠償責任。再如在分析任意返還質。物的法律意義時，針對最高人民法院盡管在其司法解釋中明確了「質權人將質物返i 」 a碩士學住論文v不示yw訂比』 sn正狠還于出質人後，以其質權對抗第三人的，人民法院不予支持」 ，但沒有明確此種情況下，質權是消滅還是無效的缺陷，筆者提出了質權人將質物返還于出質人或質物所有人的質權消滅的觀點。 -
The contract executed by a creditor and a debtor for the continuous transaction of a specific commodity in a given period of time may be accompanied by a contract of mortgage of maximum amount
債權人與債務人就某項商品在一定期間內連續發生交易而簽訂的合同，可以附最高額抵押合同。 -
The second part is about maximum amount mortgage ' s term of guarantee. we think of those will become maximum amount mortgage by some certain relations of law such as future creditor ' s right, existing " creditor ' s right and bill creditor ' s right. analysis if recall bill creditor ' s right can be maximum amount mortgage
第二部分探討的是最高額抵押擔保債權的范圍，認為基於一定法律關系所產生的未來債權、現存債權、及票據債權均可成為最高額抵押的擔保債權，著重分析了回得票據債權是否可成為被擔保債權問題。 -
This financing technique originates from t he h ousing m ortgage loan s ecuritization i n america i n 1 970s, and afterwards it is applied to the non - mortgage creditor ' s assets extensively in addition to mortgage creditor ' s rights, and develops vigorously at euro - american market in 1980s
這項融資技術起源於70年代美國的住房抵押貸款證券化，隨后證券化技術被廣泛應用於抵押債權以外的非抵押債權資產，並於80年代在歐美市場獲得蓬勃發展。 -
The article consists of five parts except of foreword and end word. in the first part, i analyze the function and specialty of maximum amount mortgage, pointing out that maximum amount mortgage has the value of making economy and law carrying into effect and circulate necessary funds and draw commodity circulation function, which is not passed for other mortgage. the generate of maximum is not as same as traditional civil law mortgage ' s general rule - subordinating or accessory features, what are guarantee by which are not defined creditor ' s right in future
本文除前言和結語外，共包括如下五個部分：第一部分分析最高額抵押的功能和特徵，指出最高額抵押具有實現經濟和法律的效率價值及融通資金和引發商品流通的功能，這是一般抵押權所不具備的；最高額抵押的產生打破了傳統民法抵押權的一般原則? ?附隨性或從屬性特徵，其所擔保的一般為未來發生的不確定債權，但設立時要預定最高額，不約定最高擔保額不成其為最高額抵押權。 -
When the two or more mortgages which are all priority rights coexist on the same estate and its actual value after being saled ca n ' t satisfy the all creditor ' s claims, the validity of these mortgages will conflict among them, under such circumstances, which mortgage should be prior to the others ? the answer to this question would be directly relevant to whether the mortgaged debt will be paid or not and in what extent
當兩個或兩個以上的都具有優先受償效力的擔保物權同時並存於同一財產上，且該財產變賣的價值又不足以清償所負擔的數個債權時，數個擔保物權之間將發生效力沖突，此時，哪一個權利更應優先得到滿足，將直接關繫到它們所擔保的債權能否受償以及能在多大程度上受償。 -
But the viewpoint which occupies the dominant still is the mortgage supple mentary theory and the traditional creditor ’ s rights mortgage system which base on the it, reality of laws of our country is coming out, it still necessary to conduct new study of the mortgage system
我國理論界對于抵押權的性質和功能存在很大的爭論，但是佔主導地位的觀點強調的仍是抵押權的附隨性理論和以此理論為基礎構建的傳統債權抵押權制度。 -
The purpose of mortgage is not to accomplish value in pledge but to obtain and then control security ' s exchanged value. as far as its nature is concerned, mortgage is not either property right or creditor ' s right, let alone the simple mixture of property and creditor ' s rights
抵押權是以取得標的物的交換價值為目的，而並非以實現給付價值為目的，是對交換價值的支配，所以從本質上說，它既非物權，亦非債權，更非物權和債權兩者的簡單相加。 -
The limiting maximum mortgage ( lmm ), emerged as the times require, is distinguished for its unique design of anticipated limiting maximum amount, which breaks through the traditional concept that the mortgage must be exist concomitantly with its secured creditor ' s rights, and thus widely welcomed by the modern trading pattern
從商品經濟發展的強烈需求中演繹產生的最高額抵押，以其預定擔保最高限額的獨特設計，突破了傳統抵押權與擔保債權一一對應的相互關系，從而適應了現代社會交易發展的迫切需求。 -
Lmm is a kind of special mortgage that is used to secure the creditor ' s claims, which occur successively during a given period of time, and to the extent of the anticipated maximum amount that the mortgagee has priority in satisfying his claims
最高額抵押，是指抵押人與抵押權人協議，以抵押物在最高額限度內對一定范圍的不特定債權提供擔保的特殊抵押形式。作為商品經濟產物的最高額抵押制度具有其獨特的價值功能。
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