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浮动抵押制度起源于十九世纪的英国衡平法,《物权法》于2007年将之引入。它不但提高了抵押人的融资能力,且对完善我国的担保形式亦具有重要意义。但浮动抵押制度保护债权人不力的天然局限使得它在深受中小企业青睐的同时遭受债权人冷遇,如将消极担保条款引入浮动抵押制度,则有利于克服其固有局限,从而使浮动抵押制度在我国的推行取得更圆满的结果。
Floating mortgage system originated in Britain in the 19th century, the Equity Act, “Property Law” introduced in 2007. It not only improves the ability of the mortgager to raise funds, but also plays an important role in improving the form of guarantee in our country. However, due to the natural limitations of the floating mortgage system in protecting the creditor’s weakness, the floating mortgage system suffered from the cold reception of creditors favored by SMEs. If the negative guarantee clause is introduced into the floating mortgage system, it will help to overcome its inherent limitations and make the floating mortgage system in our country Promote a more successful outcome.