论物保与人保并存纠纷中债权实现之顺位——以近五年来类案实证研究为基础

当前,物保与人保并存纠纷不断涌现，相关裁判时常冲突，引发社会关注。围绕当前物保与人保并存纠纷债权实现条款模式、关于物保与人保并存债权实现顺位之理解、债权人是否放弃物保之认定等相关问题，对近五年来最为主要的类案进行实证分析与比较研究可见，处理物保与人保并存纠纷，应当根据物保相对优先的精神，对保证人是否就放弃物保优先抗辩权重点作出判断，据此就物保与人保提供者的责任顺位作出正确裁决。

On the Realization Priority of Creditors’ Rights in the Mixed Disputes of Material Guarantee and Personal Guarantee——Based on Empirical Study of Similar Cases in Recent Five Years

Currently, mixed disputes of material guarantee and personal guarantee are continuously emerging while related judgments are usually in conflict with each other, which attract public attention. Based on the comparative and empirical researches on similar cases in recent five years, this paper conducts researches centering on related problems, including the clauses for the realization of creditors’ rights in the mixed disputes of material guarantee and personal guarantee, the understanding of the realization priority of creditors’ rights in the mixed guarantees and the affirmation for material guarantee abandonment of creditors. This paper particularly proposes to make judgment on whether the guarantor abandons the priority defense right, and then reach the final verdict concerning the responsibility priority of the material guarantee and personal guarantee providers in the mixed disputes according to the principle of relative priority of material guarantee.