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共同抵押权制度是一项非常重要的特殊抵押制度,在现代经济生活起着非常重要的作用。德国和我国台湾地区等大陆法系国家和地区的民法典对共同抵押权制度都有明文规定。反观我国,立法未有规定,而相关司法解释又存在诸多不足之处,这给共同抵押权的民法适用带来诸多不便。在共同抵押权制度构建之前,需要对现有的相关法律规定进行解析和整合,归结出相应的民法适用规则,提出合理的司法建议,以支持现阶段的司法实务需要。
The common mortgage system is a very important special mortgage system and plays a very important role in the modern economic life. The Civil Code of Germany and China, Taiwan and other civil and legal countries and regions have expressly provided for the system of common mortgage. In contrast, our country, the legislation does not provide for, but the relevant judicial interpretation there are many deficiencies, which brought inconvenience to the civil law of common mortgage. Before the construction of common mortgage system, it is necessary to analyze and integrate the existing relevant laws and regulations, and to put forward corresponding applicable rules of civil law and put forward reasonable judicial suggestions to support the current need of judicial practice.