The Study Of Real Right Law's Influence On Bank Credit Business

Real right law in implement from October 1,2007, The implement of real right law is well advantageous to commercial bank to make use of the protection the rights and privileges of the law rule. Establish or modified some rules, systems lately in the real right law in the meantime, guaranteed real right system to have particularly to change very greatly with former real right system. If the commercial bank can't acquaint with an application in time, it certainly will bring bad influence to the healthy development of business. So the commercial bank have to cause an enough value to the new variety of law, in order to in the bank property of valid operation the aspect should work well to reply preparation actively. The study which stands in the banking studies《real right law》, comprehend completely《real right law》establishment of principle, aim and essence, re-examine a continuously creative financial product, make use of good law weapon effectively, better exercise at the time of supporting legal right《real right law》various right and obligation for giving, promote bank various developments with good and quick business. This text passes analysis real right law to rule to carry on a study lately, analytical real right law's influence to bank business, aim at disadvantageous influence from the bank of angle research countermeasure, guard against risk, take into exploitation to beneficial provision and protect rights.The full text is divided into six parts, adding up to 40000 words.First, the influence of real right law to the business of bank before the loan. This text elaborates the financing method, real right system, register system and rule of real right law , analyzing these influence of new provisions to the bank before the loan, in the meantime put forward replying measure.Second, the influence of real right law to the reviewing in the bank loan. This text analyzed register system, real right guarantee the variety of the scope, legal priority etc. and put out influence in the bank loan.Third, In the aspect after loan, exercise time variety of security interest and establishment dissidence registration system bring about disadvantageous influence to bank, but increase of security interest carrying out mode and the cost lower beneficial to the bank. The thesis still puts forward, after the guarantor agrees, the obligation transfers.Fourth, in keeping the bank property, the thesis puts forward concern the law risk of paying for the debt by guaranty and preferential lien.Fifth, The thesis elaborated uniform registration system, the guarantee right of maximum amount, chattel guarantee and repeat mortgage system to be advantageous to loan business innovation.Sixth, the thesis elaborated the countermeasure of commercial bank for real right law, commercial bank should research various influence of real right law, strengthen business innovation and law training, revise regulation of the operation and contract text in time.