论我国所有人抵押权制度的完善

所有人抵押权，是指所有人在自己的所有物上设定或者存在的抵押权。作为抵押权制度的一个特例，所有人抵押权制度为德、日等许多国家的民法典所采，而我国有关该制度的规定仅有2000年12月13日起施行的《最高人民法院关于适用(中华人民共和国担保法)若干问题的解释》中的第77条这一个条文。本文试从理论的角度，阐述该制度在我国的立法现状，讨论所有人抵押权制度在我国确立的必要性，并在此基础上提出建立我国所有人抵押权制度的各项建议，以期为我国关于这一制度的立法提供参考．

Discussing on Improving the System of Mortgageof Owner in China

The mortgage of owner is one that the owner establishes for himself on the property of his own. As a special of the system of mortgage, the system of mortgage of owner has been established by many countries?civil law, such as in Germany, Japan, etc. But in China, there is only one item that regulated the system in Judicial Interpretation for Guarantee Law. This article tries to expound the necessity of establishing the system in theory, and then give suggestions about the complement of the system of mortgage of owner in China.