金融理论与实践
金融理論與實踐
금융이론여실천
FINANCIAL THEORY AND PRACTICE
2014年
7期
74-77
,共4页
商业银行%特别程序%担保物权
商業銀行%特彆程序%擔保物權
상업은행%특별정서%담보물권
commercial banks%special procedure%real rights for security
2013年1月1日起施行的《中华人民共和国民事诉讼法》（下称《新民事诉讼法》）增设了“实现担保物权案件”特别程序制度。在当前经济下行的大背景下，商业银行的不良贷款逐渐增多，以特别程序实现担保物权有利于商业银行在清收不良资产过程中提高效率、降低成本。从商业银行角度出发，对商业银行适用特别程序实现担保物权的七个方面的问题进行探讨，并提出相应的实现担保物权的注意事项和商业银行当前阶段可采取的措施。
2013年1月1日起施行的《中華人民共和國民事訴訟法》（下稱《新民事訴訟法》）增設瞭“實現擔保物權案件”特彆程序製度。在噹前經濟下行的大揹景下，商業銀行的不良貸款逐漸增多，以特彆程序實現擔保物權有利于商業銀行在清收不良資產過程中提高效率、降低成本。從商業銀行角度齣髮，對商業銀行適用特彆程序實現擔保物權的七箇方麵的問題進行探討，併提齣相應的實現擔保物權的註意事項和商業銀行噹前階段可採取的措施。
2013년1월1일기시행적《중화인민공화국민사소송법》（하칭《신민사소송법》）증설료“실현담보물권안건”특별정서제도。재당전경제하행적대배경하，상업은행적불량대관축점증다，이특별정서실현담보물권유리우상업은행재청수불량자산과정중제고효솔、강저성본。종상업은행각도출발，대상업은행괄용특별정서실현담보물권적칠개방면적문제진행탐토，병제출상응적실현담보물권적주의사항화상업은행당전계단가채취적조시。
The Civil Procedure Law of the People's Republic of China (Short for New Civil Procedure Law) which enforced since in Jan. 1, 2013 added the special procedure system of Realize the Real Rights for Security Cases. Under the background of the current economic downturn, the non-performing loan of commercial banks increased gradually. Using the special procedure to realize the real rights for security was good for improving efficiency and lowering the cost in the process of collecting bad assets of commercial banks. This article discussed seven aspects of special procedure to realize the real rights for security applicable to commercial banks, and put forward the related matters needing attention of re-alize the real rights for security and measures for current generations of commercial banks.
