实践中困扰银行的不仅是调查两个“权利人”的相关情况,还包括对谁是真正权利人的法律确认,银行应对此进行法律分析2015年9月,某银行对借款人李某名下房产(已经申请法院保全)申请执行,案外人张某提出执行异议,理由是其与李某原为夫妻,2012年7月法院判决离婚,并确认房产归其所有,判决生效后一直未办理房产变更登记。张某认为根据物权法第28条规定,该房产系其所 Bank troubled in practice is not only the investigation of the two “right holder ” related to the situation, but also includes the legal confirmation of who is the real right holder, the bank should make legal analysis of this In September 2015, a bank borrower Lee The name of real estate (has applied for the preservation of the court) to apply for execution, an outsider Zhang proposed to implement the objection on the grounds that it was originally a couple with Lee, July 2012 the court verdict divorce and confirm the property owned by all, the sentence has not been effective after the entry into force For real estate change registration. Zhang believes that according to the provisions of Article 28 of the Property Law, the real estate department