从基层角度看《物权法》对银行业产生的影响

《物权法》实施后将给银行业带来许多积极有利的影响,其中影响最大的是担保物权制度的创新,拓展了物权担保空间,细化了登记制度,增加了公示方式,转变了价值取向,不仅有利于提高企业的担保能力和融资能力,而且还将进一步规范融资方式,为银行业提供更加有利的法律保障.《物权法》在给银行业带来机遇的同时也带来风险隐患,使其经营管理面临更大的挑战,如异议登记、预告登记、动产抵质押、应收账款质押贷款以及担保物权时限缩短等问题,都将对银行经营管理提出更高的要求.

Viewing the Impact of Law of Property on Banking Industry from Grass-roots

The implementation of the Law of Property will have many positive influences on the banking industry in China, the biggest of which is innovating the institution of real right for security, extending the space of real right for security, classifying registry system, adding public illustration modes, alternating value - orientation. This will not only help improve the security capability and financing ability of the enterprises, but further normalize the financing mode, providing the banking industry a more favorable legal guarantee. The Law of Property brings the banking industry opportunities, meanwhile, risk hidden trouble as well, making banking operation face bigger challenges, such as demurral registry, premonition registry, moveable mortgage and pledge, receivable pledge loans, and shortened maturity of real right for security, etc. These will make a higher requirement for banking operation and management.