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最高额抵押制度是随着经济迅速发展、市场主体对交易效率追求的提高而产生的一种特殊的抵押担保制度。该制度在抵押权的从属性、特定性、适用范围以及抵押权的实现方面与普通抵押权有诸多不同之处。由于现实中缺乏对最高额抵押详细且明确的规定,导致实践中存在着混淆最高额抵押与普通抵押的现象,以及错误理解与适用最高额抵押制度,使该制度的价值得不到充分的发挥,也不利于市场交易的顺利进行。
The maximum mortgage system is a special mortgage guarantee system that arises with the rapid economic development and the improvement of the pursuit of transaction efficiency by market players. The system has many differences with the ordinary mortgage in the subordination, specificity, scope of the mortgage and the realization of the mortgage. Due to the fact that the lack of detailed and explicit provisions on the maximum amount of mortgages has led to the practice of confusing the maximum amount of mortgages and ordinary mortgages and the misunderstanding and application of the maximum amount of mortgages, the value of the system can not be fully utilized , Is not conducive to the smooth conduct of market transactions.