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《物权法》所体现的物权平等保护原则,扩大动产、权利引入质押范围等法律规定,与银行经营管理关系密切,在完善担保手续、规范担保流程、实现担保物权等方面较《担保法》及其解释更为清晰和严格。《物权法》实施一周年来的效果显示,《物权法》给银行业拓展业务、优化金融生态环境、降低物权实现成本等方面带来积极影响,但在相关法律配套衔接、担保物权实现环境协调等方面还有较多需要完善的地方。深入研究和认真思考《物权法》实施效果与存在的不足是包括法律、银行在内相关部门的时代责任。
“Property Law” embodied in the principle of equal protection of property rights, the expansion of movable property, the introduction of the pledge of rights and other legal provisions, and bank management closely related to improve the guarantee formalities, regulate the security process, the realization of the security rights than the “Security Law” And its explanation is more clear and strict. The effect of the first anniversary of the implementation of the Property Law shows that the Property Law has a positive impact on the banking industry in terms of business expansion, optimization of the financial environment and reduction of the cost of property rights. However, when the relevant laws and regulations are coordinated and the environmental rights are secured, There are still more areas that need improvement. In-depth study and serious reflection on the implementation of the “Property Law” effect and the existence of deficiencies, including the law, banks, the relevant departments, including the era of responsibility.