CAJ | 학술논문

为促进融资、发展经济,尤其是解决中小企业和农户的发展资金瓶颈问题,我国《物权法》创设了动产浮动抵押制度,但该制度也有其固有缺陷。我国动产浮动抵押的风险,主要表现在抵押标的物容易出现恶意流动、形态易转化、难以封存及担保效力不高。为防范上述风险,文章提出了具体的应对措施,包括：明确＂正常经营活动＂和＂合理价款＂的内涵、赋予动产浮动抵押权人汇报、质疑、变更以及保全的权利、通过限制性条款来合理限制动产浮动抵押权人的自由处分权、确立动产浮动抵押的财产管理人制度并健全社会信用体系。
위촉진융자、발전경제,우기시해결중소기업화농호적발전자금병경문제,아국《물권법》창설료동산부동저압제도,단해제도야유기고유결함。아국동산부동저압적풍험,주요표현재저압표적물용역출현악의류동、형태역전화、난이봉존급담보효력불고。위방범상술풍험,문장제출료구체적응대조시,포괄：명학＂정상경영활동＂화＂합리개관＂적내함、부여동산부동저압권인회보、질의、변경이급보전적권리、통과한제성조관래합리한제동산부동저압권인적자유처분권、학립동산부동저압적재산관리인제도병건전사회신용체계。
For promoting the development of finance and economy,the property law of China creates a system of floating charge of movable property.But the existing simple provisions have brought a lot of doubts to the implementation.This paper analyzes the risks of movable floating charge： the mortgage subject matter is easy to move for evil intentions;the shape is easy to transform;and it is difficult to guarantee the effectiveness of storage.To guard against these risks,the article puts forward specific measures,including clearing the connotation of ＂normal operations＂ and ＂reasonable price＂,giving the mortgagee the right of report,question,change as well as preserve,limiting the mortgagee＇s free disposition right through the restrictive provision,and establishing the supervisor system of chattel floating charge,and perfecting social credit system.