最高限額抵押權擔保債權範圍之研究

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Title:	最高限額抵押權擔保債權範圍之研究 A Study on the Scope of the Secured Claim of the Line of Ctedit Mortgages
Authors:	張浩銘
Contributors:	法律學系
Keywords:	最高限額抵押權擔保債權範圍民法第881條之1
Date:	2014
Issue Date:	2014-09-30 14:26:39 (UTC+8)
Abstract:	我國民法物權編於民國96年3月5日修正通過，增訂最高限額抵押權之規定，使最高限額抵押權得以法制化，有助於釐清最高限額抵押權與普通抵押權意義之不同，且對於過往金融機構辦理有擔保之借貸契約，有明確之法律拘束力。民國100年1月間，財團法人中華民國消費者文教基金會指出金融機構辦理授信契約時，逕自約定抵押權之種類、最高限額抵押權擔保債權範圍，並未賦與當事人設定選擇權。又於抵押權設訂契約書明列各種有名契約法律關係，雖符合民法第881條之1第2項規定，惟金融機構將一切可能與之往來交易事項，均明列其中，此舉等同於立法者否定概括最高限額抵押權之內涵，而有設定無效之可能。是以，對於目前金融機構設定抵押權之契約內容，與民法規定適用，勢必應予釐清。從而，本篇論文以最高限額抵押權擔保債權範圍為研究對象，探究最高限額抵押權擔保債權範圍適用與分際。 Republic of China Civil Code have amended on March 5 1996, increased provisions of the Line of Credit Mortgages, make it be the legalization. It helps clarify what is different between Line of Credit Mortgages and Mortgages. It also affects the relevant contents of collateral mortgage contract in financial institutions with clear legal binding force. In January 2011, Consumers’ Foundation, Chinese Taipei (CFCT) express when financial institution transact credit contract, it makes agreements about the category of mortgage, and the scope of the secured claim of the Line of Credit Mortgages on their own. It didn't endow mortgagors the right to choose. Although it's comply with Civil Code 881-1 item 2 if the Line of Credit Mortgages contract shows every clearly defined legal relation of scope of the secured claim, it's almost contain every possible transaction with financial institutions. Which means, equivalent to legislator’s negative connotation the generalized of the Line of Credit Mortgages, and it may have an invalid? Therefore, it must be clarify between the contents of financial institution mortgages contract and Civil Code applicable. Thus, this article will study in scope of the secured claim of the Line of Credit Mortgages, to exploring scope of the secured claim of the Line of Credit Mortgages of applicable and occasion.
Appears in Collections:	[Department of Law & Graduate Institute of Law ] thesis

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