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在当前经济下行的背景下,动产浮动抵押作为物权法明文规定的一种较为特殊的担保方式,可从拓展抵押物范围上为银行信贷风险再增加一道防火墙新常态下虽然银行业创新举措频出,但很多信贷产品仍然没有从根本上摆脱主要依靠房屋土地等传统抵押物的既有惯性。在当前经济下行的背景下,从拓展抵押物范围上为银行信贷风险再增加一道防火墙,亦不失为一剂良方。动产浮动抵押作为物权法明文规定的一种较为特殊的担保方式,或许可以在一定程度上使银行实现该目的。
Under the background of the current economic downturn, as a relatively special guarantee mode stipulated in the Property Law, movable floating mortgage can increase a new firewall for bank credit risk from the scope of extending collateral. Although the banking innovation measures are frequent under the new normal, However, many credit products still do not fundamentally get rid of the existing inertia of traditional collateral mainly relying on houses and land. Against the background of the current economic downturn, adding another firewall to the credit risk of banks to expand the scope of collateral is a good recipe. As a special kind of guarantee provided explicitly by the Property Law, floating mortgage may be used to some extent to enable banks to achieve this goal.