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<span id="lalContent"><p style="text-indent: 2em; text-align: left;"><span style="text-indent: 2em;">(一)ã€Šæ‹…ä¿æ³•》第35æ¡çš„规定åŠå…¶äº‰è®®</span><br/></p><p style="text-indent: 2em; text-align: left;">æˆ‘å›½ã€Šæ‹…ä¿æ³•》第35æ¡è§„定:“抵押人所担ä¿çš„债æƒä¸å¾—超过其抵押物的价值。财产抵押åŽï¼Œè¯¥è´¢äº§çš„价值大于所担ä¿å€ºæƒçš„ä½™é¢éƒ¨åˆ†ï¼Œå¯ä»¥å†æ¬¡æŠµæŠ¼ï¼Œä½†ä¸å¾—超过其余é¢éƒ¨åˆ†ã€‚â€æ ¹æ®ä¸Šè¿°è§„定,当事人在设定抵押时,应ä¿éšœæŠµæŠ¼ç‰©çš„价值大于或等于其所担ä¿çš„å€ºæƒæ•°é¢ï¼Œå¦åˆ™ä¸èƒ½è®¾å®šæŠµæŠ¼æƒã€‚该规定的立法æ„å›¾æ˜¾ç„¶æ˜¯ä¸ºäº†ä¿æŠ¤å€ºæƒäººçš„利益,使其债æƒèŽ·å¾—å……åˆ†çš„æ‹…ä¿è€Œæœ‰å®Œå…¨å—å¿çš„å¯èƒ½ã€‚然而该规定过多地考虑抵押æƒäººçš„利益,在利益衡é‡çš„天平上完全倾å‘于抵押æƒäººä¸€æ–¹ï¼Œå´æ®Šä¸çŸ¥æœ‰è¶Šä¿Žä»£åº–ã€æžäººå¿§å¤©ä¹‹å«Œï¼Œè¿‡å¤šåœ°å¹²é¢„了抵押当事人的æƒåˆ©ã€‚å› æ­¤ï¼Œã€Šæ‹…ä¿æ³•》第35æ¡çš„规定ä¸ä»…在法律上引起了ä¸å°‘争议,而且在实践中也造æˆäº†ä¸å¿…è¦çš„麻烦ã€?/p><p style="text-indent: 2em; text-align: left;">ã€Šæ‹…ä¿æ³•》第35æ¡çš„规定容易使人ç†è§£ä¸ºæ˜¯ä¸€ç§å¼ºè¡Œæ€§çš„规定,因为它使用了“ä¸å¾—â€ä¹‹è¯ï¼Œè€Œâ€œä¸å¾—â€åœ¨æ³•律规范性质上属强制性规定。按照上述ç†è§£ï¼Œå¦‚果当事人在设定抵押时,抵押物的价值低于债æƒçš„æ•°é¢ï¼Œå°†æœ‰å¯èƒ½å¯¼è‡´è¯¥æŠµæŠ¼åˆåŒçš„æ— æ•ˆã€‚从审判实践æ¥çœ‹ï¼Œç¡®å®žå­˜åœ¨ç€å› ä¸ºæŠµæŠ¼ç‰©çš„价值低于担ä¿çš„债æƒçš„价值而被宣告无效的情况。[10]然而,ç»å¤§å¤šæ•°å­¦è€…éƒ½å¯¹ã€Šæ‹…ä¿æ³•》第35æ¡çš„规定æå‡ºäº†æ‰¹è¯„ã€‚çŽ‹åˆ©æ˜Žæ•™æŽˆæŒ‡å‡ºï¼Œè¦æ±‚抵押人æä¾›æŠµæŠ¼çš„财产必须大于或者等于其所担ä¿çš„债æƒçš„价值,并ä¸ç¬¦åˆæ‹…ä¿æ³•ä¿éšœå€ºæƒçš„目的。而且在实际的æ“作中也存在一定的问题。抵押æƒçš„ä¸å¯åˆ†æ€§ä¹Ÿå†³å®šäº†è®¾å®šæŠµæŠ¼æ—¶ï¼Œå¼ºè°ƒæŠµæŠ¼äººæä¾›çš„财产价值高于或等于其所担ä¿çš„债æƒçš„æ•°é¢ï¼Œæ˜¯æ²¡æœ‰æ„ä¹‰çš„ã€‚æˆ‘å›½ã€Šæ‹…ä¿æ³•》应当å…许抵押人å¯ä»¥ä»¥ä»»ä½•价值的财产设定抵押,åªè¦å€ºæƒäººåŒæ„接å—å³å¯ã€‚[11]邹海林åšå£«æ›´æ˜¯ä¸€é’ˆè§è¡€åœ°æŒ‡å‡ºï¼šâ€œæŠµæŠ¼æ‹…ä¿å’Œå€ºæƒçš„价值之间ä¸åº”当存在一定的比例关系,ä¸è®ºå€ºæƒçš„价值大å°ï¼Œæ›´ä¸è®ºæŠµæŠ¼ç‰©çš„价值高低,为担ä¿ä¸€å®šæ•°é¢çš„债æƒï¼ŒæŠµæŠ¼äººå¯ä»¥ä»»ä½•价值的财产设定抵押。ä¾ç…§æˆ‘å›½æ‹…ä¿æ³•的规定,抵押æƒçš„设定仅以所担ä¿çš„债æƒä¸ºé™ï¼Œå·²ç„¶æž„æˆç«‹æ³•者对抵押担ä¿äº¤æ˜“的当事人事先设定的ä¸åº”å½“å­˜åœ¨çš„ç«‹æ³•é£Žé™©ã€‚æˆ‘å›½æ‹…ä¿æ³•ç¬?5æ¡ç¬¬1款的规定没有任何实际æ„义,在完善我国的抵押制度时,应予删除。[12]</p><p style="text-indent: 2em; text-align: left;">(äº?å¯¹ã€Šæ‹…ä¿æ³•》第35æ¡çš„评æž</p><p style="text-indent: 2em; text-align: left;">æˆ‘ä»¬è®¤ä¸ºï¼Œã€Šæ‹…ä¿æ³•》第35æ¡çš„规定,存在如下ä¸è¶³ï¼š</p><p style="text-indent: 2em; text-align: left;">1ã€æœ¬æ¡é™åˆ¶äº†å½“äº‹äººçš„æ„æ€è‡ªç”±ï¼Œä¸åˆ©äºŽç‰©å°½å…¶ç”¨ã€‚抵押æƒè®¾å®šçš„目的是为了担ä¿å€ºæƒçš„实现。然而,是å¦è®¾å®šæŠµæŠ¼ä»¥åŠæŠµæŠ¼æ‹…ä¿çš„å€ºæƒæ•°é¢å¤§å°å®Œå…¨æ˜¯å½“äº‹äººè‡ªå·±çš„äº‹ï¼Œåº”ç”±å½“äº‹äººä¾æ°‘æ³•æ„æ€è‡ªæ²»åŽŸåˆ™è‡ªä¸»é€‰æ‹©ï¼Œè¿™ç§é€‰æ‹©å¹¶ä¸å½±å“国家利益ã€ç¤¾ä¼šå…¬å…±åˆ©ç›Šä»¥åŠç¬¬ä¸‰äººçš„利益,法律没有强行干预的必è¦ã€‚一般æ¥è¯´ï¼Œåœ¨å¸‚åœºç»æµŽæ¡ä»¶ä¸‹ï¼Œå€ºæƒäººä½œä¸ºåˆç†çš„ç»æµŽäººï¼Œå…¶åœ¨é€‰æ‹©æŠµæŠ¼æ‹…ä¿æ—¶ï¼Œéƒ½ä¼šåŸºäºŽè‡ªèº«åˆ©ç›Šçš„考虑进行åˆç†é€‰æ‹©ï¼Œä»¥ä¾¿ä½¿è‡ªå·±çš„债æƒèŽ·å¾—å……åˆ†çš„ä¿éšœã€‚但是,如果债æƒäººæ„¿æ„以价值较å°çš„è´¢äº§æ¥æ‹…ä¿å…¶å€ºæƒåœ¨å°†æ¥å¾—åˆ°å®žçŽ°ï¼Œè¿™ä¹Ÿæ˜¯å…¶æ„æ€è‡ªæ²»èŒƒå›´å†…的事,å¯ç”±å…¶è‡ªç”±é€‰æ‹©ã€‚å†µä¸”ï¼Œæœ‰è´¢äº§æ‹…ä¿æ€»æ¯”无财产担ä¿è¦å¥½å¾—多,与其使抵押物价值低于所担ä¿å€ºæƒæ•°é¢çš„æŠµæŠ¼æ— æ•ˆï¼Œä¸å¦‚接å—è¯¥ç§æŠµæŠ¼ï¼Œä»¥ä¾¿ä½¿å€ºæƒèŽ·å¾—éƒ¨åˆ†æŠµæŠ¼ç‰©çš„ä¿éšœã€‚è¿™æ ·ä¹Ÿæœ‰åˆ©äºŽå‘æŒ¥æŠµæŠ¼ç‰©çš„ç»æµŽæ•ˆç”¨ï¼Œä¿ƒè¿›èµ„金èžé€šå’Œå¸‚场交易ã€?/p><p style="text-indent: 2em; text-align: left;">2ã€æœ¬æ¡æ— è§†æŠµæŠ¼ç‰©çš„价值å˜åŠ¨ï¼Œä¸ç¬¦åˆæŠµæŠ¼æƒçš„æœ¬è´¨ç‰¹å¾ã€‚æŠµæŠ¼æƒæœ¬è´¨ä¸Šæ˜¯ä¸€ç§ä»¥ç‰©çš„交æ¢ä»·å€¼ä¼˜å…ˆå—å¿çš„价值æƒï¼ŒæŠµæŠ¼æƒè®¾å®šåŽï¼Œå¹¶ä¸è½¬ç§»æŠµæŠ¼ç‰©çš„å æœ‰ï¼ŒæŠµæŠ¼æƒäººæ‰€å…³æ³¨çš„å¹¶éžå–得抵押物的实体本身,而在于å–得抵押物所体现的价值,æ¥ä¿éšœå…¶å€ºæƒçš„æ»¡è¶³ã€‚ç„¶è€Œï¼ŒæŠµæŠ¼ç‰©çš„ä»·å€¼ä¸æ˜¯ä¸€æˆä¸å˜çš„ï¼Œè€Œæ˜¯å¤„äºŽä¸€ä¸ªä¸æ–­å˜åŒ–å‘展的过程中。一方é¢ï¼Œæ ‡çš„物的添附ã€å®Œå–„,å¯èƒ½ä¼šä½¿å…¶ä»·å€¼æœ‰å¾ˆå¤§æé«˜;å¦ä¸€æ–¹é¢ï¼Œé•¿æœŸçš„使用也å¯èƒ½ä½¿ä»·å€¼å‘生大幅度的下é™ã€‚市场行情的å˜åŒ–ã€é€šè´§è†¨èƒ€ï¼Œæ›´å¯èƒ½ä½¿å…¶ä»·å€¼ä¸Žè®¾ç«‹æŠµæŠ¼æƒä¹‹æ—¶æœ‰å¤©å£¤ä¹‹åˆ«ã€‚[13]由此å¯è§ï¼Œåœ¨æŠµæŠ¼æƒè®¾å®šæ—¶ï¼ŒæŠµæŠ¼ç‰©çš„价值尚处于一ç§ä¸ç¡®å®šçš„状æ€ï¼Œå› ä¸ºæŠµæŠ¼ç‰©çš„价值能å¦ä¿éšœå€ºæƒçš„æ¸…å¿ï¼Œä¸æ˜¯ä»¥è®¾ç«‹æŠµæŠ¼æƒæ—¶ä¸ºæ ‡å‡†è®¡ç®—的,而是以将æ¥å®žçŽ°æŠµæŠ¼æƒæ—¶æŠµæŠ¼ç‰©çš„价值æ¥è¡¡é‡çš„,å³ä½¿åœ¨è®¾å®šæŠµæŠ¼æƒæ—¶ï¼ŒæŠµæŠ¼ç‰©çš„价值高于或者等于所担ä¿çš„债æƒï¼Œå€˜è‹¥åœ¨å®žçŽ°æŠµæŠ¼æƒæ—¶æŠµæŠ¼ç‰©çš„价值急剧下é™ï¼Œä¹Ÿä¸èƒ½ä¿éšœå€ºæƒå……分å—å¿;相å,å³ä¾¿åœ¨è®¾å®šæŠµæŠ¼æƒæ—¶æŠµæŠ¼ç‰©çš„价值低于所担ä¿çš„债æƒï¼Œå°†æ¥ç”±äºŽæŠµæŠ¼ç‰©çš„价值å‡å€¼ï¼Œæˆ–者债务人能够履行债务或æä¾›å…¶ä»–å½¢å¼çš„æ‹…ä¿ï¼Œå€ºæƒäººçš„债æƒä¹Ÿå®Œå…¨èƒ½å¤Ÿå¾—到清å¿ã€‚å› æ­¤ï¼Œæ³•å¾‹å¼ºè¡Œè¦æ±‚抵押物的价值必须高于或者等于所担ä¿çš„å€ºæƒæ•°é¢ä¸ä»…没有任何实际æ„义,事实上也是ä¸å¯èƒ½å®žçŽ°çš„ã€?/p><p style="text-indent: 2em; text-align: left;">3ã€æœ¬æ¡å¿…å°†åŠ é‡æŠµæŠ¼äººçš„è´Ÿæ‹…ï¼Œä¸åˆ©äºŽä¿éšœå€ºæƒã€‚è¦ä¿éšœå€ºæƒçš„实现,就应当放宽抵押设立的æ¡ä»¶ï¼Œé€šè¿‡é¼“励担ä¿çš„æŽªæ–½æ¥è¾¾åˆ°ç›®çš„。因此,åªè¦å½“事人愿æ„,无论抵押物的价值有多大都å¯ä»¥ç”¨äºŽæŠµæŠ¼ï¼Œåº”ä¿ƒæˆæ›´å¤šçš„æŠµæŠ¼çš„æˆç«‹ã€‚å¦‚æžœå¯¹æŠµæŠ¼çš„æ¡ä»¶è§„定得过于严苛,甚至ä¸ç®¡å½“事人是å¦åŽŸå› éƒ½å¿…é¡»ç¬¦åˆæ³•定的苛刻的æ¡ä»¶ï¼Œæ‰èƒ½è®¾å®šæŠµæŠ¼ï¼Œåˆ™è®¸å¤šæŠµæŠ¼æ ¹æœ¬å°±ä¸å¯èƒ½è®¾ç«‹ï¼Œè¿™æ ·å€ºæƒå°†å› ä¸ºæ²¡æœ‰æ‹…ä¿è€Œæ›´åŠ ç¼ºä¹ä¿éšœã€‚æˆ‘å›½ç›®å‰æ­£å¤„äºŽç¤¾ä¼šä¸»ä¹‰å¸‚åœºç»æµŽåˆæœŸï¼Œæ•´ä¸ªç¤¾ä¼šçš„信用基础薄弱,å¥åº·æœ‰åºçš„市场交易秩åºå°šæœªçœŸæ­£å½¢æˆã€‚信用缺失æˆä¸ºåˆ¶çº¦ç»æµŽå‘展的一个é‡è¦å› ç´ ã€‚åœ¨è¿™ç§æƒ…况下,市场交易的å‘生对担ä¿çš„需求更加迫切。债务人寻找担ä¿äººæœ¬èº«å°±æ¯”è¾ƒå›°éš¾ï¼Œã€Šæ‹…ä¿æ³•》第35æ¡ç¦æ­¢è¶…é¢æŠµæŠ¼çš„è§„å®šåˆ™åŠ é‡äº†è¿™ç§å›°éš¾ï¼Œå®ƒè¦æ±‚抵押物的价值必须高于被担ä¿çš„å€ºæƒæ•°é¢ï¼Œè¿™ä¸ä»…ä½¿å¾—æŠµæŠ¼è´¢äº§éš¾ä»¥å¯»æ‰¾ï¼Œè€Œä¸”ä¹Ÿä½¿å¾—ä¸€äº›ç™»è®°éƒ¨é—¨åœ¨åŠžç†æŠµæŠ¼æƒç™»è®°æ—¶å¼ºåˆ¶å½“事人对抵押财产进行评估,而高é¢çš„è¯„ä¼°è´¹ç”¨å¿…å°†åŠ é‡æŠµæŠ¼å½“äº‹äººçš„è´Ÿæ‹…ï¼Œä¸åˆ©äºŽä¿éšœå€ºæƒçš„实现ã€?/p><p 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