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为方便农业户和中小企业贷款的现实需要,我国在2007年新制定的《物权法》第181条中首次规定了浮动抵押制度。但由于中小企业自身的局限和我国浮动抵押制度立法的欠完善,银行适用该制度办理贷款时还存在较大的风险。实践中银行可通过谨慎选择抵押合作人、完善抵押合同、设定限制性条款、配合使用其它担保方式等作为风险防范的对策。
In order to facilitate the real needs of agricultural households and SME loans, our country first introduced the floating mortgage system in Article 181 of the Real Right Law newly formulated in 2007. However, due to the limitations of SMEs and the imperfect legislation of floating mortgage system in our country, there are still some risks when banks apply the system to handle loans. In practice, banks can choose risk collateral countermeasures by prudently selecting mortgage collaborators, improving mortgage contracts, setting restrictive clauses, and using other guarantee methods.