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中華人民共和國擔(dān)保法
The Guaranty Law of the People's Republic of China
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中華人民共和國擔(dān)保法
The Guaranty Law of the People's Republic of China
?。?995年6月30日第八屆全國人民代表大會(huì)常務(wù)委員會(huì)第十四次會(huì)議通過）
(Approved by the 14th Meeting of the Standing committee of the 8th National
People's Congress on June 30, 1995 and Effective as of October 1, 1995)
第一章總則
Chapter I General Provisions
第一條為促進(jìn)資金融通和商品流通，保障債權(quán)的實(shí)現(xiàn)，發(fā)展社會(huì)主義市場(chǎng)經(jīng)濟(jì)，制定本法。
Article 1 This Law is enacted with a view to promoting the accommodation of
funds and the circulation of commodities, ensuring the enforcement of creditor's
rights and developing the socialist market economy.
第二條在借貸、買賣、貨物運(yùn)輸、加工承攬等經(jīng)濟(jì)活動(dòng)中，債權(quán)人需要以擔(dān)保方式保障其債權(quán)實(shí)現(xiàn)的，可以依照本法規(guī)定設(shè)定擔(dān)保。本法規(guī)定的擔(dān)保方式為保證、抵押、質(zhì)押、留置和定金。第三條擔(dān)?；顒?dòng)應(yīng)當(dāng)遵循平等、自愿、公平、誠實(shí)信用的原則。
Article 3 In guaranty activities, the principles of equality, voluntariness,
fairness, honesty and credibility shall be observed.
第四條第三人為債務(wù)人向債權(quán)人提供擔(dān)保時(shí)，可以要求債務(wù)人提供反擔(dān)保。
Article 4 Where a third party provides a guaranty to creditor for a debtor,
the third party may require the debtor to provide him with a counter-guaranty.
反擔(dān)保適用本法擔(dān)保的規(guī)定。
The provisions on guaranty in this Law shall apply to the counter-guaranty.
第五條擔(dān)保合同是主合同的從合同，主合同無效，擔(dān)保合同無效。
Article 5 A guaranty contract is an ancillary contract of the principal
contract. If the principal contract is null and void, the guaranty contract
shall be null and void, accordingly.
擔(dān)保合同另有約定的，按照約定。
Where it is otherwise agreed in the guaranty contract, such agreement shall
prevail.
擔(dān)保合同被確認(rèn)無效后，債務(wù)人、擔(dān)保人、債權(quán)人有過錯(cuò)的，應(yīng)當(dāng)根據(jù)其過錯(cuò)各自承擔(dān)相應(yīng)的民事責(zé)任。
If a guaranty contract is determined to be null and void, the debtor, the
guarantor or the creditor who is in default shall bear civil liability according
to their respective fault.
第二章保證
Chapter 2 Suretyship
第一節(jié)保證和保證人
Section 1 Suretyship and Surety
第六條本法所稱保證，是指保證人和債權(quán)人約定，當(dāng)債務(wù)人不履行債務(wù)時(shí)，保證人按照約定履行債務(wù)或者承擔(dān)責(zé)任的行為。
Article 6 Suretyship as used in this Law means an agreement pursuant to which
a surety and a creditor agree that the surety shall perform the obligation or
bear the liability according to the agreement, when the debtor fails to perform
his obligation.
第七條具有代為清償債務(wù)能力的法人、其他組織或者公民，可以作保證人。
Article 7 A legal person, other organization or a citizen capable of assuming
debts may act as a surety.
第八條國家機(jī)關(guān)不得為保證人，但經(jīng)國務(wù)院批準(zhǔn)為使用外國政府或者國際經(jīng)濟(jì)組織貸款進(jìn)行轉(zhuǎn)貸的除外。
Article 8 No State organ may act as a surety, except in the case of securing
loans, for onlending, from a foreign government or an international economic
organization as is approved by the State Council.
第九條學(xué)校、幼兒園、醫(yī)院等以公益為目的的事業(yè)單位、社會(huì)團(tuán)體不得為保證人。
Article 9 Institutions such as schools, kindergartens and hospitals
established for purposes of public welfare, and public organizations may not act
as a surety.
第十條企業(yè)法人的分支機(jī)構(gòu)、職能部門不得為保證人。
Article 10 Branches and functioning departments of an enterprise as a legal
person may not act as a surety.
企業(yè)法人的分支機(jī)構(gòu)有法人書面授權(quán)的，可以在授權(quán)范圍內(nèi)提供保證。
If a branch of an enterprise as a legal person has a power of attorney from
the legal person, it may provide a suretyship within the scope of authority.
第十一條任何單位和個(gè)人不得強(qiáng)令銀行等金融機(jī)構(gòu)或者企業(yè)為他人提供保證；銀行等金融機(jī)構(gòu)或者企業(yè)對(duì)強(qiáng)令其為他人提供保證的行為，有權(quán)拒絕。
Article 11 No organization or individual may compel a bank or another
financial institution or an enterprise to provide a suretyship for another; a
bank or another financial institution or an enterprise shall have the right to
refuse to provide suretyship for another.
第十二條同一債務(wù)有兩個(gè)以上保證人的，保證人應(yīng)當(dāng)按照保證合同約定的保證份額，承擔(dān)保證責(zé)任。
Article 12 Where there are two or more sureties for one obligation, the
sureties shall undertake suretyship liability according to their proportion of
suretyship agreed in the suretyship contract.
沒有約定保證份額的，保證人承擔(dān)連帶責(zé)任，債權(quán)人可以要求任何一個(gè)保證人承擔(dān)全部保證責(zé)任，保證人都負(fù)有擔(dān)保全部債權(quán)實(shí)現(xiàn)的義務(wù)。
In the absence of an agreement on the proportion of suretyship, the sureties
shall be jointly and severally liable. The creditor may demand any one of the
sureties to undertake all suretyship liability, and every surety shall have the
obligation to ensure all of the creditor's rights.
已經(jīng)承擔(dān)保證責(zé)任的保證人，有權(quán)向債務(wù)人追償，或者要求承擔(dān)連帶責(zé)任的其他保證人清償其應(yīng)當(dāng)承擔(dān)的份額。
The surety who has undertaken the suretyship liability shall have the right of
recourse against the debtor, or have the right to demand other sureties who are
jointly and severally liable to discharge the proportion of obligations which
they should respectively assume
第二節(jié)保證合同和保證方式
Section 2 Suretyship Contract and Modes of Suretyship
第十三條保證人與債權(quán)人應(yīng)當(dāng)以書面形式訂立保證合同。
Article 13 A surety and a creditor shall conclude a suretyship contract in
writing.
第十四條保證人與債權(quán)人可以就單個(gè)主合同分別訂立保證合同，也可以協(xié)議在最高債權(quán)額限度內(nèi)就一定期間連續(xù)發(fā)生的借款合同或者某項(xiàng)商品交易合同訂立一個(gè)保證合同。
Article 14 A surety and a creditor may conclude separate suretyship contracts
for a single principal contract, or may reach an agreement to conclude, to the
extent of the maximum amount of claim, a single suretyship contract for loan
contracts or for certain commodities transaction contracts which successively
occur in a given period of time.
第十五條保證合同應(yīng)當(dāng)包括以下內(nèi)容：
Article 15 A suretyship contract shall contain the following particulars:
?。ㄒ唬┍槐ＷC的主債權(quán)種類、數(shù)額；
(1) the kind and amount of the principal claim guaranteed;
?。ǘ﹤鶆?wù)人履行債務(wù)的期限；
(2) the time limit for the debtor to perform his obligation;
?。ㄈ┍ＷC的方式；
(3) the modes of suretyship;
?。ㄋ模┍ＷC擔(dān)保的范圍；
(4) the scope of the suretyship guaranty;
（五）保證的期間；
(5) the term of the suretyship; and
?。╇p方認(rèn)為需要約定的其他事項(xiàng)。
(6) other matters the parties deem appropriate.
保證合同不完全具備前款規(guī)定內(nèi)容的，可以補(bǔ)正。
If a suretyship contract does not contain all the particulars specified in the
preceding paragraph, the particulars omitted may be added by amendment.
第十六條保證的方式有：
Article 16 The modes of suretyship include:
?。ㄒ唬┮话惚ＷC；
(1) general suretyship;
?。ǘ┻B帶責(zé)任保證。
(2) suretyship of joint and several liability.
第十七條當(dāng)事人在保證合同中約定，債務(wù)人不能履行債務(wù)時(shí)，由保證人承擔(dān)保證責(zé)任的，為一般保證。
Article 17 A general suretyship refers to a suretyship contract wherein the
parties agree that the surety shall undertake suretyship liability in case the
debtor defaults.
一般保證的保證人在主合同糾紛未經(jīng)審判或者仲裁，并就債務(wù)人財(cái)產(chǎn)依法強(qiáng)制執(zhí)行仍不能履行債務(wù)前，對(duì)債權(quán)人可以拒絕承擔(dān)保證責(zé)任。
A general suretyship allows the surety to refuse to undertake suretyship
liability towards the creditor before a dispute over the principal contract is
tried or arbitrated and the obligations are not enforceable even after the
debtor's assets have been seized according to law.
有下列情形之一的，保證人不得行使前款規(guī)定的權(quán)利：
A surety may not exercise the right provided in the preceding paragraph in any
of the following circumstances:
（一）債務(wù)人住所變更，致使債權(quán)人要求其履行債務(wù)發(fā)生重大困難的；
(1) The change of the debtor's domicile makes it extremely difficult for the
creditor to have the debtor's obligation enforced;
?。ǘ┤嗣穹ㄔ菏芾韨鶆?wù)人破產(chǎn)案件，中止執(zhí)行程序的；
(2) A People's Court suspends the enforcement proceedings due to its
acceptance of the debtor's bankruptcy case; or
（三）保證人以書面形式放棄前款規(guī)定的權(quán)利的。
(3) The surety waives in writing the right provided in the preceding
paragraph.
第十八條當(dāng)事人在保證合同中約定保證人與債務(wù)人對(duì)債務(wù)承擔(dān)連帶責(zé)任的，為連帶責(zé)任保證。
Article 18 A suretyship of joint and several liability refers to a suretyship
contract wherein the parties agree that the surety and the debtor shall be
jointly and severally liable.
連帶責(zé)任保證的債務(wù)人在主合同規(guī)定的債務(wù)履行期屆滿沒有履行債務(wù)的，債權(quán)人可以要求債務(wù)人履行債務(wù)，也可以要求保證人在其保證范圍內(nèi)承擔(dān)保證責(zé)任。
Where the debtor of a suretyship of joint and several liability defaults when
the time limit for his performance of the obligation provided in the principal
contract expires, the creditor may demand that the debtor perform his
obligation, or demand that the surety undertake the suretyship liability within
the scope of the suretyship agreement.
第十九條當(dāng)事人對(duì)保證方式?jīng)]有約定或者約定不明確的，按照連帶責(zé)任保證承擔(dān)保證責(zé)任。
Article 19 In the absence of an agreed or explicitly agreed mode of suretyship,
the parties shall bear the suretyship liability following the mode of a
suretyship of joint and several liability.
第二十條一般保證和連帶責(zé)任保證的保證人享有債務(wù)人的抗辯權(quán)。
Article 20 The surety of a general suretyship or a suretyship of joint and
several liability shall enjoy the debtor's right of defense.
債務(wù)人放棄對(duì)債務(wù)的抗辯權(quán)的，保證人仍有權(quán)抗辯。
Where a debtor waives his right of defense against the obligation, the surety
shall still enjoy a right of defense.
抗辯權(quán)是指?jìng)鶛?quán)人行使債權(quán)時(shí)，債務(wù)人根據(jù)法定事由，對(duì)抗債權(quán)人行使請(qǐng)求權(quán)的權(quán)利。
The right of defense means a debtor's right to exercise his right of claim on
legal basis against the creditor when the creditor seeds to enforce his rights.
第三節(jié)保證責(zé)任
Section 3 Suretyship Liability
第二十一條保證擔(dān)保的范圍包括主債權(quán)及利息、違約金、損害賠償金和實(shí)現(xiàn)債權(quán)的費(fèi)用。
Article 21 The scope of the suretyship guaranty includes the principal claim
and the interest thereof, default fine, compensation for damage and expenses for
enforcing the claim,
保證合同另有約定的，按照約定。
unless the suretyship contract provides otherwise.
當(dāng)事人對(duì)保證擔(dān)保的范圍沒有約定或者約定不明確的，保證人應(yīng)當(dāng)對(duì)全部債務(wù)承擔(dān)責(zé)任。
In the absence of an agreed or explicitly agreed scope of the suretyship
guaranty, the surety shall be liable for payment of all the above costs.
第二十二條保證期間，債權(quán)人依法將主債權(quán)轉(zhuǎn)讓給第三人的，保證人在原保證擔(dān)保的范圍內(nèi)繼續(xù)承擔(dān)保證責(zé)任。
Article 22 If a creditor transfers, in accordance with law, his principal
claim to a third party during the period of the suretyship, the surety shall
continue to be bound by the suretyship contract within the scope of the original
suretyship guaranty,
保證合同另有約定的，按照約定。
unless the suretyship contract provides otherwise.
第二十三條保證期間，債權(quán)人許可債務(wù)人轉(zhuǎn)讓債務(wù)的，應(yīng)當(dāng)取得保證人書面同意，保證人對(duì)未經(jīng)其同意轉(zhuǎn)讓的債務(wù)，不再承擔(dān)保證責(zé)任。
Article 23 Where a creditor permits a debtor to transfer his debts to a third
party during the period of the suretyship, a consent in writing shall need to be
obtained from the surety; the surety shall no longer be liable if the debts are
transferred without his prior consent in writing.
第二十四條債權(quán)人與債務(wù)人協(xié)議變更主合同的，應(yīng)當(dāng)取得保證人書面同意，未經(jīng)保證人書面同意的，保證人不再承擔(dān)保證責(zé)任。
Article 24 When a creditor and a debtor agree to alter the principal contract,
they shall have to obtain the surety's consent in writing; the surety shall no
longer be liable if the contract is altered without his prior consent in
writing,
保證合同另有約定的，按照約定。
unless the suretyship contract provides otherwise.
第二十五條一般保證的保證人與債權(quán)人未約定保證期間的，保證期間為主債務(wù)履行期屆滿之日起六個(gè)月。
Article 25 If the surety of a general suretyship and the creditor have no
agreement on the term of suretyship, the term of suretyship shall be six months
from the date of maturity of the principal debts.
在合同約定的保證期間和前款規(guī)定的保證期間，債權(quán)人未對(duì)債務(wù)人提起訴訟或者申請(qǐng)仲裁的，保證人免除保證責(zé)任；債權(quán)人已提起訴訟或者申請(qǐng)仲裁的，保證期間適用訴訟時(shí)效中斷的規(guī)定。
Where the creditor neither files a lawsuit against the debtor nor applies for
arbitration during the term of suretyship agreed in the contract of provided in
the preceding paragraph, the surety shall be relieved of the suretyship
liability; where the creditor has filed a lawsuit or applied for arbitration,
the provisions on the interruption of prescription shall apply to the term of
suretyship.
第二十六條連帶責(zé)任保證的保證人與債權(quán)人未約定保證期間的，債權(quán)人有權(quán)自主債務(wù)履行期屆滿之日起六個(gè)月內(nèi)要求保證人承擔(dān)保證責(zé)任。
Article 26 Where the surety of a suretyship of joint and several liability and
the creditor have no agreement on the term of suretyship, the creditor shall,
within six months from the date of maturity of the principal debts, have the
right to demand that the surety undertake suretyship liability.
在合同約定的保證期間和前款規(guī)定的保證期間，債權(quán)人未要求保證人承擔(dān)保證責(zé)任的，保證人免除保證責(zé)任。
If the creditor does not demand that the surety undertake suretyship liability
during the term of suretyship agreed in the contract or provided by the
preceding paragraph, the surety shall be relieved of the suretyship liability.
第二十七條保證人依照本法第十四條規(guī)定就連續(xù)發(fā)生的債權(quán)作保證，未約定保證期間的，保證人可以隨時(shí)書面通知債權(quán)人終止保證合同，但保證人對(duì)于通知到債權(quán)人前所發(fā)生的債權(quán)，承擔(dān)保證責(zé)任。
Article 27 Where in accordance with the provisions of Article 14 of this Law,
a surety provides a suretyship to a creditor's claims which successively occur
but there is no agreement on the term of the suretyship, the surety may at any
time notify in writing the creditor of termination of the suretyship contract,
nevertheless, the surety shall be liable for the creditor's claims which vested
before the creditor receives the notice.
第二十八條同一債權(quán)既有保證又有物的擔(dān)保的，保證人對(duì)物的擔(dān)保以外的債權(quán)承擔(dān)保證責(zé)任。
Article 28 Where there are both suretyship and property security for the same
claim, the surety shall be liable for the creditor's claim unsecured by the
property security.
債權(quán)人放棄物的擔(dān)保的，保證人在債權(quán)人放棄權(quán)利的范圍內(nèi)免除保證責(zé)任。
If the creditor waives the property security, the surety shall be relieved of
his suretyship liability to the extent of the creditor's waiver.
第二十九條企業(yè)法人的分支機(jī)構(gòu)未經(jīng)法人書面授權(quán)或者超出授權(quán)范圍與債權(quán)人訂立保證合同的，該合同無效或者超出授權(quán)范圍的部分無效，債權(quán)人和企業(yè)法人有過錯(cuò)的，應(yīng)當(dāng)根據(jù)其過錯(cuò)各自承擔(dān)相應(yīng)的民事責(zé)任；債權(quán)人無過錯(cuò)的，由企業(yè)法人承擔(dān)民事責(zé)任。
Article 29 If a branch of an enterprise as a legal person concludes a
suretyship contract with a creditor without the written authorization of the
enterprise or beyond the scope of the authorization, the suretyship contract
shall be null and void or the part of the contract that is beyond the scope of
the authorization shall be null and void. If the creditor and the enterprise as
a legal person are both at fault, they shall bear their respective civil
liabilities commensurate with their own fault; if the creditor is not at fault,
the enterprise as a legal person shall be civilly liable.
第三十條有下列情形之一的，保證人不承擔(dān)民事責(zé)任：
Article 30 The surety shall not be civilly liable under any of the following
circumstances:
?。ㄒ唬┲骱贤?dāng)事人雙方串通，騙取保證人提供保證的；
(1) the parties to the principal contract conspire to defraud the surety of a
suretyship; and
?。ǘ┲骱贤瑐鶛?quán)人采取欺詐、脅迫等手段，使保證人在違背真實(shí)意思的情況下提供保證的。
(2) the creditor to the principal contract resorts to deception or coercion to
induce or cause the surety to provide a suretyship against its will.
第三十一條保證人承擔(dān)保證責(zé)任后，有權(quán)向債務(wù)人追償。
Article 31 The surety, after his assumption of the suretyship liability, shall
be entitled to recourse against the debtor.
第三十二條人民法院受理債務(wù)人破產(chǎn)案件后，債權(quán)人未申報(bào)債權(quán)的，保證人可以參加破產(chǎn)財(cái)產(chǎn)分配，預(yù)先行使追償權(quán)。
Article 32 If the creditor does not seek to enforce his claim after a People's
Court's acceptance of the debtor's bankruptcy case, the surety may participate
in the distribution of the bankruptcy property and exercise his right of
recourse in advance.
第三章抵押
Chapter 3 Mortgage
第一節(jié)抵押和抵押物
Section 1 Mortgage and Mortgaged Property
第三十三條本法所稱抵押，是指?jìng)鶆?wù)人或者第三人不轉(zhuǎn)移對(duì)本法第三十四條所列財(cái)產(chǎn)的占有，將該財(cái)產(chǎn)作為債權(quán)的擔(dān)保。
Article 33 Mortgage as used in this Law means that the debtor or a third party
secures the creditor's rights with property listed in Article 34 of this Law
without transference of its possession.
債務(wù)人不履行債務(wù)時(shí)，債權(quán)人有權(quán)依照本法規(guī)定以該財(cái)產(chǎn)折價(jià)或者以拍賣、變賣該財(cái)產(chǎn)的價(jià)款優(yōu)先受償。
If the debtor defaults, the creditor shall be entitled to convert the property
into money to offset the debts or have priority in satisfying his claim from the
proceeds of auction or sale of the property in accordance with the provisions of
this Law.
前款規(guī)定的債務(wù)人或者第三人為抵押人，債權(quán)人為抵押權(quán)人，提供擔(dān)保的財(cái)產(chǎn)為抵押物。
The debtor or the third party specified in the preceding paragraph is the
mortgagor, the creditor is the mortgagee, and the property provided as security
is the mortgaged property.
第三十四條下列財(cái)產(chǎn)可以抵押：
Article 34 The following property may be mortgaged:
（一）抵押人所有的房屋和其他地上定著物；
(1) houses and other things firmly fixed on the land which are owned by the
mortgagor;
?。ǘ┑盅喝怂械臋C(jī)器、交通運(yùn)輸工具和其他財(cái)產(chǎn)；
(2) machines, means of transport and other property owned by the mortgagor;
?。ㄈ┑盅喝艘婪ㄓ袡?quán)處分的國有的土地使用權(quán)、房屋和其他地上定著物；
(3) the land-use right to the State-owed land, State-owned houses and other
things firmly fixed on the land which the mortgagor is entitled to dispose of
according to law;
（四）抵押人依法有權(quán)處分的國有的機(jī)器、交通運(yùn)輸工具和其他財(cái)產(chǎn)；
(4) State-owned machines, means of transport and other property which the
mortgagor is entitled to dispose of according to law;
?。ㄎ澹┑盅喝艘婪ǔ邪⒔?jīng)發(fā)包方同意抵押的荒山、荒溝、荒丘、荒灘等荒地的土地使用權(quán)；
(5) The land-use right to barren hills, barren gullies, barren hillocks, waste
flood land and other unreclaimed land contracted by the mortgagor according to
law and consent for the mortgage of such right is obtained from the party
granting the contract; and
（六）依法可以抵押的其他財(cái)產(chǎn)。
(6) Other property that may be mortgaged according to law.
抵押人可以將前款所列財(cái)產(chǎn)一并抵押。
A mortgagor may at the same time mortgage all the property listed in the
preceding paragraph.
第三十五條抵押人所擔(dān)保的債權(quán)不得超出其抵押物的價(jià)值。
Article 35 The amount of a claim secured by a mortgagor shall not exceed the
value of his mortgaged property.
財(cái)產(chǎn)抵押后，該財(cái)產(chǎn)的價(jià)值大于所擔(dān)保債權(quán)的余額部分，可以再次抵押，但不得超出其余額部分。
If the value of the mortgaged property exceeds that of the claim secured, the
surplus may be mortgaged again, but not in excess of the surplus.
第三十六條以依法取得的國有土地上的房屋抵押的，該房屋占用范圍內(nèi)的國有土地使用權(quán)同時(shí)抵押。
Article 36 Where houses on State-owned land acquired in accordance with law
are mortgaged, the land-use right to the State-owned land occupied by the houses
shall be mortgaged at the same time.
以出讓方式取得的國有土地使用權(quán)抵押的，應(yīng)當(dāng)將抵押時(shí)該國有土地上的房屋同時(shí)抵押。
Where the land-use right to State-owned land acquired by means of granting is
mortgaged, the houses on the State-owned land shall be mortgaged at the same
time.
鄉(xiāng)（鎮(zhèn)）、村企業(yè)的土地使用權(quán)不得單獨(dú)抵押。
The land-use right to the land used by a township (town) or village enterprise
may not be mortgaged separately.
以鄉(xiāng)（鎮(zhèn)）、村企業(yè)的廠房等建筑物抵押的，其占用范圍內(nèi)的土地使用權(quán)同時(shí)抵押。
Where factories and other buildings of township (town) or village enterprises
are mortgaged, the land-use right to the land occupied by such buildings shall
be mortgaged at the same time.
第三十七條下列財(cái)產(chǎn)不得抵押：
Article 37 The following property may not be mortgaged:
?。ㄒ唬┩恋厮袡?quán)：
(1) ownership of the land;
（二）耕地、宅基地、自留地、自留山等集體所有的土地使用權(quán)，但本法第三十四條第（五）項(xiàng)、第三十六條第三款規(guī)定的除外；
(2) the land-use right to the land owned by the collectives such as cultivated
land, house sites, private plots and private hills, with the exception of those
provided in sub-paragraph (5) Article 34 and sub-paragraph (3) of Article 36 of
this Law;
?。ㄈW(xué)校、幼兒園、醫(yī)院等以公益為目的的事業(yè)單位、社會(huì)團(tuán)體的教育設(shè)施、醫(yī)療衛(wèi)生設(shè)施和其他社會(huì)公益設(shè)施；
(3) educational facilities, medical and health facilities of schools,
kindergartens, hospitals and other institutions or public organizations
established in the interest of the public and other facilities in the service of
public welfare;
（四）所有權(quán)、使用權(quán)不明或者有爭(zhēng)議的財(cái)產(chǎn)；
(4) property in relation to which the ownership or the right of use is unknown
or disputed;
?。ㄎ澹┮婪ū徊榉?、扣押、監(jiān)管的財(cái)產(chǎn)；
(5) property sealed up, distrained or placed under surveillance in accordance
with law; or
（六）依法不得抵押的其他財(cái)產(chǎn)。
(6) other property which may not be mortgaged as prescribed by law.
第二節(jié)抵押合同和抵押物登記
Section 2 Mortgage Contract and Registration of Mortgaged Property
第三十八條抵押人和抵押權(quán)人應(yīng)當(dāng)以書面形式訂立抵押合同。
Article 38 A mortgagor and a mortgagee shall conclude a mortgage contract in
writing.
第三十九條抵押合同應(yīng)當(dāng)包括以下內(nèi)容：
Article 39 A mortgage contract shall include the following particulars:
?。ㄒ唬┍粨?dān)保的主債權(quán)種類、數(shù)額；
(1) the kind and amount of the principal debt secured;
?。ǘ﹤鶆?wù)人履行債務(wù)的期限；
(2) the time limit for the debtor to perform his obligation;
?。ㄈ┑盅何锏拿Q、數(shù)量、質(zhì)量、狀況、所在地、所有權(quán)權(quán)屬或者使用權(quán)權(quán)屬；
(3) the name, quantity, quality, condition, location, ownership or ownership
of the right to the use of the mortgaged property;
?。ㄋ模┑盅簱?dān)保的范圍；
(4) the scope of the guaranty of mortgage; and
?。ㄎ澹┊?dāng)事人認(rèn)為需要約定的其他事項(xiàng)。
(5) other matters the parties deem necessary to include in the contract.
抵押合同不完全具備前款規(guī)定內(nèi)容的，可以補(bǔ)正。
If a mortgage contract does not include all the particulars specified in the
preceding paragraph, the omissions may be added by amendment.
第四十條訂立抵押合同時(shí)，抵押權(quán)人和抵押人在合同中不得約定在債務(wù)履行期屆滿抵押權(quán)人未受清償時(shí)，抵押物的所有權(quán)轉(zhuǎn)移為債權(quán)人所有。
Article 40 In concluding a mortgage contract, the mortgagor and the mortgagee
may not stipulate that the ownership of the mortgaged property shall be
transferred to the creditor in case the mortgagee's claim is not satisfied after
maturity of the debt.
第四十一條當(dāng)事人以本法第四十二條規(guī)定的財(cái)產(chǎn)抵押的，應(yīng)當(dāng)辦理抵押物登記，抵押合同自登記之日起生效。
Article 41 Where a party mortgages property provided for in Article 42 of this
Law, he shall register the mortgaged property, and the mortgage contract shall
become effective as of the date of registration.
第四十二條辦理抵押物登記的部門如下：
Article 42 The departments responsible for the registration of mortgaged
property are as follows:
?。ㄒ唬┮詿o地上定著物的土地使用權(quán)抵押的，為核發(fā)土地使用權(quán)證書的土地管理部門；
(1) the land administration departments which verify and issue certificates
evidencing the land-use right if the land-use right to the land to which nothing
is firmly attached is mortgaged;
?。ǘ┮猿鞘蟹康禺a(chǎn)或者鄉(xiāng)（鎮(zhèn)）、村企業(yè)的廠房等建筑物抵押的，為縣級(jí)以上地方人民政府規(guī)定的部門；
(2) the departments designated by local people’s governments at or above the
county level, if urban real estates or factories and other buildings of township
(town) or village enterprises are mortgaged;
?。ㄈ┮粤帜镜盅旱模瑸榭h級(jí)以上林木主管部門；
(3) the forestry administration departments at or above the county level, if
forest trees are mortgaged;
?。ㄋ模┮院娇掌?、船舶、車輛抵押的，為運(yùn)輸工具的登記部門；
(4) the registration departments for means of transport, if aircraft, ships
and vehicles are mortgaged; or
?。ㄎ澹┮云髽I(yè)的設(shè)備和其他動(dòng)產(chǎn)抵押的，為財(cái)產(chǎn)所在地的工商行政管理部門。
(5) the administrative departments of industry and commerce in the place where
the property is located, if the equipment and other movables of enterprises are
mortgaged.
第四十三條當(dāng)事人以其他財(cái)產(chǎn)抵押的，可以自愿辦理抵押物登記，抵押合同自簽訂之日起生效。
Article 43 Where a party mortgages other property, he may, of his own will,
register the mortgaged property, and the mortgage contract shall become
effective as of the date of execution.
當(dāng)事人未辦理抵押物登記的，不得對(duì)抗第三人。
If a party does not register the mortgaged property, he may not defend against
the claims of third party.
當(dāng)事人辦理抵押物登記的，登記部門為抵押人所在地的公證部門。
If a party intends to register the mortgaged property, the notary department
in the place where the mortgagor resides shall be the registration department.
第四十四條辦理抵押物登記，應(yīng)當(dāng)向登記部門提供下列文件或者其復(fù)印件：
Article 44 To register the mortgaged property, a party shall submit to the
registration department the following documents or their duplicates:
?。ㄒ唬┲骱贤偷盅汉贤?；
(1) the principal contract and the mortgage contract; and
（二）抵押物的所有權(quán)或者使用權(quán)證書。
(2) the certificates evidencing the ownership of or the use right to the
mortgaged property.
第四十五條登記部門登記的資料，應(yīng)當(dāng)允許查閱、抄錄或者復(fù)印。
Article 45 Consulting, transcribing or duplicating the materials registered
with the registration departments shall be permitted.
第三節(jié)抵押的效力
Section 3 Effect of Mortgage
第四十六條抵押擔(dān)保的范圍包括主債權(quán)及利息、違約金、損害賠償金和實(shí)現(xiàn)抵押權(quán)的費(fèi)用。
Article 46 The scope of guaranty of mortgage includes the principal debt and
the interest thereof, default fine, compensation for damage and expenses for
enforcing the mortgage,
抵押合同另有約定的，按照約定。
unless otherwise provided in the mortgage contract.
第四十七條債務(wù)履行期屆滿，債務(wù)人不履行債務(wù)致使抵押物被人民法院依法扣押的，自扣押之日起抵押權(quán)人有權(quán)收取由抵押物分離的天然孳息以及抵押人就抵押物可以收取的法定孳息。
Article 47 If the mortgaged property is seized by a People's Court because of
the debtor's failure to perform his obligation prior to the maturity of the
debt, the mortgagee shall, from the date of seizure, be entitled to collect the
natural fruits severed from the mortgaged property and the legal fruits which
the mortgagor may collect from the mortgaged property.
抵押權(quán)人未將扣押抵押物的事實(shí)通知應(yīng)當(dāng)清償法定孳息的義務(wù)人的，抵押權(quán)的效力不及于該孳息。
If the mortgagee fails to notify the person who has the obligation to pay
legal fruits of the fact that the mortgaged property is seized, the mortgagee's
right shall not extend to such fruits.
前款孳息應(yīng)當(dāng)先充抵收取孳息的費(fèi)用。
The fruits mentioned in the preceding paragraph shall first be used to pay the
expenses for collecting the fruits.
第四十八條抵押人將已出租的財(cái)產(chǎn)抵押的，應(yīng)當(dāng)書面告知承租人，原租賃合同繼續(xù)有效。
Article 48 If a mortgagor mortgages leased property, he shall notify the
lessee of the fact in writing, and the original contract of lease continues in
effect.
第四十九條抵押期間，抵押人轉(zhuǎn)讓已辦理登記的抵押物的，應(yīng)當(dāng)通知抵押權(quán)人并告知受讓人轉(zhuǎn)讓物已經(jīng)抵押的情況；抵押人未通知抵押權(quán)人或者未告知受讓人的，轉(zhuǎn)讓行為無效。
Article 49 If a mortgagor transfers mortgaged property already registered
during the period of mortgage, he shall notify the mortgagee and inform the
transferee that the transferred property is mortgaged; if the mortgagor fails to
notify the mortgagee or inform the transferee of the fact, the transfer shall be
null and void.
轉(zhuǎn)讓抵押物的價(jià)款明顯低于其價(jià)值的，抵押權(quán)人可以要求抵押人提供相應(yīng)的擔(dān)保；抵押人不提供的，不得轉(zhuǎn)讓抵押物。
If the proceeds expected from the transfer of the mortgaged property are
evidently less than its value, the mortgagee may demand that the mortgagor
provide an additional guaranty; if the mortgagor fails to provide to additional
guaranty, then he may not transfer the mortgaged property.
抵押人轉(zhuǎn)讓抵押物所得的價(jià)款，應(yīng)當(dāng)向抵押權(quán)人提前清償所擔(dān)保的債權(quán)或者向與抵押權(quán)人約定的第三人提存。
The proceeds which the mortgagor obtains from the transfer of the mortgaged
property shall first be used to liquidate the claim secured by the mortgage or
it shall be deposited with a third party agreed upon by the mortgagor and the
mortgagee.
超過債權(quán)數(shù)額的部分，歸抵押人所有，不足部分由債務(wù)人清償。
If the proceeds exceed the claim, the balance shall belong to the mortgagor;
if the proceeds do not cover the claim, the difference shall be paid by the
debtor.
第五十條抵押權(quán)不得與債權(quán)分離而單獨(dú)轉(zhuǎn)讓或者作為其他債權(quán)的擔(dān)保。
Article 50 The right of mortgage may not be separated from the creditor's
rights and transferred singly, nor used to secure other creditors' rights.
第五十一條抵押人的行為足以使抵押物價(jià)值減少的，抵押權(quán)人有權(quán)要求抵押人停止其行為。
Article 51 Where a mortgagor's acts are likely to cause the value of the
mortgaged property to decline, the mortgagee shall be entitled to demand that
the mortgagor cease and deist from such acts.
抵押物價(jià)值減少時(shí)，抵押權(quán)人有權(quán)要求抵押人恢復(fù)抵押物的價(jià)值，或者提供與減少的價(jià)值相當(dāng)?shù)膿?dān)保。
Where the value of the mortgaged property has declined, the mortgagee shall be
entitled to demand that the mortgagor restore the original value of the
mortgaged property or provide security corresponding to the amount of the lost
value.
抵押人對(duì)抵押物價(jià)值減少無過錯(cuò)的，抵押權(quán)人只能在抵押人因損害而得到的賠償范圍內(nèi)要求提供擔(dān)保。
If the mortgagor is not responsible for the decline in the value of the
mortgaged property, the mortgagee may only demand that the mortgagor provide
security to cover the loss resulting from the decline in value.
抵押物價(jià)值未減少的部分，仍作為債權(quán)的擔(dān)保。
The part of the mortgaged property whose value has not declined shall continue
to serve as guaranty for the creditor's right.
第五十二條抵押權(quán)與其擔(dān)保的債權(quán)同時(shí)存在，債權(quán)消滅的，抵押權(quán)也消滅。
Article 52 The right of mortgage shall co-exist with the creditor's right
secured. If the creditor's right lapses, the right of mortgage shall also lapse.
第四節(jié)抵押權(quán)的實(shí)現(xiàn)
Section 4 Enforcement of Mortgage Right
第五十三條債務(wù)履行期屆滿抵押權(quán)人未受清償?shù)?，可以與抵押人協(xié)議以抵押物折價(jià)或者以拍賣、變賣該抵押物所得的價(jià)款受償；協(xié)議不成的，抵押權(quán)人可以向人民法院提起訴訟。
Article 53 The mortgagee, who is not paid at the maturity of the obligation,
may, through agreement with the mortgagor, be paid out of the proceeds from the
conversion of the mortgaged property or from the auction or sale of the
mortgaged property; if they fail to reach an agreement, the mortgagee may bring
a lawsuit in a People's Court.
抵押物折價(jià)或者拍賣、變賣后，其價(jià)款超過債權(quán)數(shù)額的部分歸抵押人所有，不足部分由債務(wù)人清償。
If the proceeds from the conversion of the mortgaged property or the proceeds
from the auction or sale thereof exceed the claim, the balance shall be returned
to the mortgagor; if the proceeds do not cover the claim, the difference shall
be paid by the debtor.
第五十四條同一財(cái)產(chǎn)向兩個(gè)以上債權(quán)人抵押的，拍賣、變賣抵押物所得的價(jià)款按照以下規(guī)定清償：
Article 54 Where the same property is mortgaged to two or more creditors, the
proceeds from the auction or sale of the mortgaged property shall be used for
liquidation according to the following provisions:
?。ㄒ唬┑盅汉贤缘怯浬У?，按照抵押物登記的先后順序清償；順序相同的，按照債權(quán)比例清償；
(1) Where a mortgage contract takes effect with its registration, the
liquidation shall be made in the order of the time of registration of the
mortgaged property; if the registration is in the same order, the liquidation
shall be made according to the respective proportions of the claims;
?。ǘ┑盅汉贤院炗喼掌鹕У模摰盅何镆训怯浀?，按照本條第（一）項(xiàng)規(guī)定清償；未登記的，按照合同生效時(shí)間的先后順序清償，順序相同的，按照債權(quán)比例清償。
(2) Where a mortgage contract takes effect on the date of its execution and
the mortgaged property is registered, the liquidation shall be made according to
the provisions of sub-paragraph (1) of this Article;
未登記的，按照合同生效時(shí)間的先后順序清償，順序相同的，按照債權(quán)比例清償。抵押物已登記的先于未登記的受償。
The claim secured by registered mortgage shall be satisfied prior to the claim
secured by unregistered mortgage.
第五十五條城市房地產(chǎn)抵押合同簽訂后，土地上新增的房屋不屬于抵押物。
Article 55 After the execution of a contract in which urban real estate is
mortgaged , the newly-built houses on the land shall not be included in the
mortgaged property.
需要拍賣該抵押的房地產(chǎn)時(shí)，可以依法將該土地上新增的房屋與抵押物一同拍賣，但對(duì)拍賣新增房屋所得，抵押權(quán)人無權(quán)優(yōu)先受償。
Where it is necessary to auction the mortgaged real estate, the newly-built
houses on the land may be auctioned, according to law, together with the
mortgaged property, but the mortgagee shall have no right to enjoy the priority
of having his claim satisfied with the proceeds from auction of the newly-built
houses.
依照本法規(guī)定以承包的荒地的土地使用權(quán)抵押的，或者以鄉(xiāng)（鎮(zhèn)）、村企業(yè)的廠房等建筑物占用范圍內(nèi)的土地使用權(quán)抵押的，在實(shí)現(xiàn)抵押權(quán)后，未經(jīng)法定程序不得改變土地集體所有和土地用途。
Where the land-use right to contracted barren hills is mortgaged or the
land-use right to the land occupied by the factories and other buildings of a
township (town) or village enterprise is mortgaged in accordance with the
provisions of this Law, the collective ownership and the uses of the land may
not be altered without following the legal procedure after enforcement of the
right of mortgage.
第五十六條拍賣劃撥的國有土地使用權(quán)所得的價(jià)款，在依法繳納相當(dāng)于應(yīng)繳納的土地使用權(quán)出讓金的款額后，抵押權(quán)人有優(yōu)先受償權(quán)。
Article 56 The mortgagee shall be entitled to the priority of having his claim
satisfied with the proceeds from auction of the land-use right to the allocated
State-owned land after payment of the granting fees for the land-use right.
第五十七條為債務(wù)人抵押擔(dān)保的第三人，在抵押權(quán)人實(shí)現(xiàn)抵押權(quán)后，有權(quán)向債務(wù)人追償。
Article 57 The third party who provides guaranty of mortgage for the debtor
shall have the right of recourse against the debtor after enforcement of the
right of mortgage by the mortgagee.
第五十八條抵押權(quán)因抵押物滅失而消滅。
Article 58 The right of mortgage shall lapse due to loss or destruction of the
mortgaged property.
因滅失所得的賠償金，應(yīng)當(dāng)作為抵押財(cái)產(chǎn)。
The compensation obtained for the loss or destruction shall be used as the
mortgaged property.
第五節(jié)最高額抵押
Section 5 Mortgage of Maximum Amount
第五十九條本法所稱最高額抵押，是指抵押人與抵押權(quán)人協(xié)議，在最高債權(quán)額限度內(nèi)，以抵押物對(duì)一定期間內(nèi)連續(xù)發(fā)生的債權(quán)作擔(dān)保。
Article 59 A mortgage of maximum amount as used in this Law means that the
mortgaged property shall be used to secure the creditor's claims which occur
successively during a given period of time and to the extent of the total amount
of the claims, as agreed upon between a mortgagor and a mortgagee.
第六十條借款合同可以附最高額抵押合同。
Article 60 A loan contract may be accompanied by a contract of mortgage of
maximum amount.
債權(quán)人與債務(wù)人就某項(xiàng)商品在一定期間內(nèi)連續(xù)發(fā)生交易而簽訂的合同，可以附最高額抵押合同。
The contract executed by a creditor and a debtor for the continuous
transaction of a specific commodity in a given period of time may be accompanied
by a contract of mortgage of maximum amount.
第六十一條最高額抵押的主合同債權(quán)不得轉(zhuǎn)讓。
Article 61 The creditor's right to the principal contract secured by a
mortgage of maximum amount may not be transferred.
第六十二條最高額抵押除適用本節(jié)規(guī)定外，適用本章其他規(guī)定。
Article 62 The provisions of this section plus other provisions of this
Chapter shall apply to mortgage of maximum amount.
第四章質(zhì)押
Chapter 4 Pledge
第一節(jié)動(dòng)產(chǎn)質(zhì)押
Section 1 Pledge of Movables
第六十三條本法所稱動(dòng)產(chǎn)質(zhì)押，是指?jìng)鶆?wù)人或者第三人將其動(dòng)產(chǎn)移交債權(quán)人占有，將該動(dòng)產(chǎn)作為債權(quán)的擔(dān)保。
Article 63 Pledge of movables as used in this Law means that the debtor or a
third party transfers the possession of his movables to the creditor as a
security for debt.
債務(wù)人不履行債務(wù)時(shí)，債權(quán)人有權(quán)依照本法規(guī)定以該動(dòng)產(chǎn)折價(jià)或者以拍賣、變賣該動(dòng)產(chǎn)的價(jià)款優(yōu)先受償。
If the debtor defaults, the creditor shall, in accordance with the provisions
of this Law, be entitled to convert the property into money as payment of the
debt or enjoy priority of having his claim satisfied with the proceeds of
auction or sale of the pledged property.
前款規(guī)定的債務(wù)人或者第三人為出質(zhì)人，債權(quán)人為質(zhì)權(quán)人，移交的動(dòng)產(chǎn)為質(zhì)物。
The debtor or the third party mentioned in the proceeding paragraph shall be
the pledgor, the creditor shall be the pledgee, and the movables transferred
shall be the pledged property.
第六十四條出質(zhì)人和質(zhì)權(quán)人應(yīng)當(dāng)以書面形式訂立質(zhì)押合同。
Article 64 A pledgor and a pledgee shall conclude a pledge contract in
writing.
質(zhì)押合同自質(zhì)物移交于質(zhì)權(quán)人占有時(shí)生效。
A pledge contract shall become effective upon the delivery of the pledged
property to the possession of the pledgee.
第六十五條質(zhì)押合同應(yīng)當(dāng)包括以下內(nèi)容：
Article 65 A pledge contract shall include the following particulars:
?。ㄒ唬┍粨?dān)保的主債權(quán)種類、數(shù)額；
(1) the kind and amount of the principal debt secured;
?。ǘ﹤鶆?wù)人履行債務(wù)的期限；
(2) the time limit for the debtor to perform his obligation;
?。ㄈ┵|(zhì)物的名稱、數(shù)量、質(zhì)量、狀況；
(3) the name, quantity, quality and condition of the pledged property;
?。ㄋ模┵|(zhì)押擔(dān)保的范圍；
(4) the scope of the guaranty of pledge;
?。ㄎ澹┵|(zhì)物移交的時(shí)間；
(5) the time for delivering the pledged property; and
（六）當(dāng)事人認(rèn)為需要約定的其他事項(xiàng)。
(6) other matters the parties deem necessary to include in the contract.
質(zhì)押合同不完全具備前款規(guī)定內(nèi)容的，可以補(bǔ)正。
If a pledge contract does not contain all the particulars specified in the
preceding paragraph, the omissions may be added by amendment.
第六十六條出質(zhì)人和質(zhì)權(quán)人在合同中不得約定在債務(wù)履行期屆滿質(zhì)權(quán)人未受清償時(shí)，質(zhì)物的所有權(quán)轉(zhuǎn)移為質(zhì)權(quán)人所有。
Article 66 A pledgor and a pledgee may not stipulate in the contract that
ownership of the pledged property shall be transferred to the pledgee if the
obligation is not discharged at its maturity.
第六十七條質(zhì)押擔(dān)保的范圍包括主債權(quán)及利息、違約金、損害賠償金、質(zhì)物保管費(fèi)用和實(shí)現(xiàn)質(zhì)權(quán)的費(fèi)用。
Article 67 The scope of guaranty of pledge includes the principal claim and
the interest thereof, default fine, the compensation for damage, the storage
charges and the cost of enforcing the right of the pledge.
質(zhì)押合同另有約定的，按照約定。
If otherwise provided for in the pledge contract, the provisions there shall
apply.
第六十八條質(zhì)權(quán)人有權(quán)收取質(zhì)物所生的孳息。
Article 68 The pledgee shall be entitled to collect the fruits derived from
the pledged property.
質(zhì)押合同另有約定的，按照約定。
If otherwise provided for in the pledge contract, the provisions there shall
apply.
前款孳息應(yīng)當(dāng)先充抵收取孳息的費(fèi)用。
The fruits mentioned in the preceding paragraph shall first be used to pay the
expenses for collecting the fruits.
第六十九條質(zhì)權(quán)人負(fù)有妥善保管質(zhì)物的義務(wù)。
Article 69 The pledgee shall have the obligation to maintain the pledged
property in good condition.
因保管不善致使質(zhì)物滅失或者毀損的，質(zhì)權(quán)人應(yīng)當(dāng)承擔(dān)民事責(zé)任。
The pledgee shall be civilly liable for the loss or destruction of or damage
to the pledged property resulting from his negligence in storage.
質(zhì)權(quán)人不能妥善保管質(zhì)物可能致使其滅失或者毀損的，出質(zhì)人可以要求質(zhì)權(quán)人將質(zhì)物提存，或者要求提前清償債權(quán)而返還質(zhì)物。
Where the pledgee is unable to maintain the pledged property in good condition
and may thus cause loss or destruction of or damage to the pledged property, the
pledgor may demand that the pledgee have the pledged property deposited, or
demand that his obligation be discharged in advance and the pledged property
returned.
第七十條質(zhì)物有損壞或者價(jià)值明顯減少的可能，足以危害質(zhì)權(quán)人權(quán)利的，質(zhì)權(quán)人可以要求出質(zhì)人提供相應(yīng)的擔(dān)保。
Article 70 Where there is a possibility for the pledged property to perish or
for its value to obviously decline to a point sufficient to impair the rights of
the pledgee, the pledgee may demand that the pledgor provide additional security
in like amount.
出質(zhì)人不提供的，質(zhì)權(quán)人可以拍賣或者變賣質(zhì)物，并與出質(zhì)人協(xié)議將拍賣或者變賣所得的價(jià)款用于提前清償所擔(dān)保的債權(quán)或者向與出質(zhì)人約定的第三人提存。
If the pledgor refuses to provide the additional security, the pledgee may
auction or sell the pledged property, and conclude an agreement with the pledgor
that the proceeds from the auction or sale shall be used to pay in advance the
debt secured or be deposited with a third party as agreed upon with the pledgor.
第七十一條債務(wù)履行期屆滿債務(wù)人履行債務(wù)的，或者出質(zhì)人提前清償所擔(dān)保的債權(quán)的，質(zhì)權(quán)人應(yīng)當(dāng)返還質(zhì)物。
Article 71 Where the debtor performs his obligation at its maturity, or where
the pledgor pays, prior to maturity, the debt secured, the pledgee shall return
the pledged property.
債務(wù)履行期屆滿質(zhì)權(quán)人未受清償?shù)?，可以與出質(zhì)人協(xié)議以質(zhì)物折價(jià)，也可以依法拍賣、變賣質(zhì)物。
If the pledgee is not paid at the maturity of the obligation, he may conclude
an agreement with the pledgor that the pledged property be converted into money
in order to pay the debt, or he may auction or sell the said property according
to law.
質(zhì)物折價(jià)或者拍賣、變賣后，其價(jià)款超過債權(quán)數(shù)額的部分歸出質(zhì)人所有，不足部分由債務(wù)人清償。
Where the money converted from the pledged property or the proceeds from
auction or sale exceed the debt secured, the balance shall be paid to the
pledgor. Where the money or the proceeds do not cover the whole debt secured,
the difference shall be paid by the debtor.
第七十二條為債務(wù)人質(zhì)押擔(dān)保的第三人，在質(zhì)權(quán)人實(shí)現(xiàn)質(zhì)權(quán)后，有權(quán)向債務(wù)人追償。
Article 72 The third party who secures the obligation of the debtor shall have
the right of recourse against the debtor after the pledgee's enforcement of the
right of the pledge.
第七十三條質(zhì)權(quán)因質(zhì)物滅失而消滅。
Article 73 The right of pledge shall lapse due to loss or destruction of the
pledged property.
因滅失所得的賠償金，應(yīng)當(dāng)作為出質(zhì)財(cái)產(chǎn)。
The compensation obtained for the loss or destruction shall be used as the
pledged property.
第七十四條質(zhì)權(quán)與其擔(dān)保的債權(quán)同時(shí)存在，債權(quán)消滅的，質(zhì)權(quán)也消滅。
Article 74 The right of pledge shall co-exist with the creditor's right
secured. When the creditor's right lapses, the right of pledge shall also lapse.
第二節(jié)權(quán)利質(zhì)押
Section 2 Pledge of Rights
第七十五條下列權(quán)利可以質(zhì)押：
Article 75 The following rights may be pledged:
?。ㄒ唬﹨R票、支票、本票、債券、存款單、倉單、提單；
(1) bills of exchange, cheques, promissory notes, bonds, certificates of
deposit, warehouse receipts, bills of lading;
?。ǘ┮婪梢赞D(zhuǎn)讓的股份、股票；
(2) shares of stocks or certificates of stocks which are transferable
according to law;
?。ㄈ┮婪梢赞D(zhuǎn)讓的商標(biāo)專用權(quán)，專利權(quán)、著作權(quán)中的財(cái)產(chǎn)權(quán)；
(3) the rights to exclusive use of trademarks, the property right among patent
rights and copyrights which are transferable according to law; and
?。ㄋ模┮婪梢再|(zhì)押的其他權(quán)利。
(4) other rights which may be pledged according to law.
第七十六條以匯票、支票、本票、債券、存款單、倉單、提單出質(zhì)的，應(yīng)當(dāng)在合同約定的期限內(nèi)將權(quán)利憑證交付質(zhì)權(quán)人。
Article 76 Where a bill of exchange, cheque, promissory note, bond,
certificate of deposit, warehouse receipt or bill of lading is pledged, the
document of title shall be delivered to the pledgee within the time limit
specified in the pledge contract.
質(zhì)押合同自權(quán)利憑證交付之日起生效。
The pledge contract shall become effective upon the delivery of the document
of title.
第七十七條以載明兌現(xiàn)或者提貨日期的匯票、支票、本票、債券、存款單、倉單、提單出質(zhì)的，匯票、支票、本票、債券、存款單、倉單、提單兌現(xiàn)或者提貨日期先于債務(wù)履行期的，質(zhì)權(quán)人可以在債務(wù)履行期屆滿前兌現(xiàn)或者提貨，并與出質(zhì)人協(xié)議將兌現(xiàn)的價(jià)款或者提取的貨物用于提前清償所擔(dān)保的債權(quán)或者向與出質(zhì)人約定的第三人提存。
Article 77 Where a bill of exchange, cheque, promissory note, bond,
certificate of deposit warehouse receipt or bill of lading, which carries the
date of payment or the date of delivery of goods, is pledged and if the date of
its payment or delivery of goods is prior to the time limit for the performance
of the obligation, the pledgee may be paid or accept the delivery of the goods
before the expiration of the time limit for the performance of the obligation,
and conclude an agreement with the pledgor that the payment or the goods
accepted shall be used to pay in advance the debt secured or be deposited with a
third party as agreed upon with the pledgor.
第七十八條以依法可以轉(zhuǎn)讓的股票出質(zhì)的，出質(zhì)人與質(zhì)權(quán)人應(yīng)當(dāng)訂立書面合同，并向證券登記機(jī)構(gòu)辦理出質(zhì)登記。
Article 78 Where certificates of stock transferable according to law are
pledged, the pledgor and the pledgee shall conclude a contract in writing and
register the pledge contract with the securities registration authorities.
質(zhì)押合同自登記之日起生效。
The pledge contract shall become effective on the date of the registration.
/The pledge contract shall become effective upon registration
股票出質(zhì)后，不得轉(zhuǎn)讓，但經(jīng)出質(zhì)人與質(zhì)權(quán)人協(xié)商同意的可以轉(zhuǎn)讓。
The certificates of stocks pledged may not be transferred, unless agreed
between the pledgor and the pledgee.
出質(zhì)人轉(zhuǎn)讓股票所得的價(jià)款應(yīng)當(dāng)向質(zhì)權(quán)人提前清償所擔(dān)保的債權(quán)或者向與質(zhì)權(quán)人約定的第三人提存。
The proceeds the pledgor obtained from the transfer of the certificates of
stocks shall be used to pay in advance the pledgee's claims secured, or be
deposited with a third party as agreed upon with the pledgor.
以有限責(zé)任公司的股份出質(zhì)的，適用公司法股份轉(zhuǎn)讓的有關(guān)規(guī)定。
Where shares of stocks of a limited liability company are pledged, the
relevant provisions of the Company Law governing the transfer of shares shall
apply.
質(zhì)押合同自股份出質(zhì)記載于股東名冊(cè)之日起生效。
The pledge contract shall become effective on the date on which the pledge of
shares is written into the shareholders' name-list.
第七十九條以依法可以轉(zhuǎn)讓的商標(biāo)專用權(quán)，專利權(quán)、著作權(quán)中的財(cái)產(chǎn)權(quán)出質(zhì)的，出質(zhì)人與質(zhì)權(quán)人應(yīng)當(dāng)訂立書面合同，并向其管理部門辦理出質(zhì)登記。
Article 79 Where the right to exclusive use of trademarks, the property rights
among patent rights and copyrights transferable according to law are pledged,
the pledgor and the pledgee shall conclude a contract in writing and register
the pledge contract with the administrative department in charge. .
質(zhì)押合同自登記之日起生效。
The pledge contract shall become effective on the date of the registration.
/The pledge contract shall become effective upon registration
第八十條本法第七十九條規(guī)定的權(quán)利出質(zhì)后，出質(zhì)人不得轉(zhuǎn)讓或者許可他人使用，但經(jīng)出質(zhì)人與質(zhì)權(quán)人協(xié)商同意的可以轉(zhuǎn)讓或者許可他人使用。
Article 80 If a right mentioned in Article 79 of this Law is pledged, the
pledgor may not transfer or permit the right to be used by another , unless
agreed between the pledgee and the pledgor.
出質(zhì)人所得的轉(zhuǎn)讓費(fèi)、許可費(fèi)應(yīng)當(dāng)向質(zhì)權(quán)人提前清償所擔(dān)保的債權(quán)或者向與質(zhì)權(quán)人約定的第三人提存。
The proceeds from the transfer or the use obtained by the pledgor shall be
used to pay in advance the pledgee's claims secured or be deposited with a third
party as agreed between the pledgor and the pledgee.
第八十一條權(quán)利質(zhì)押除適用本節(jié)規(guī)定外，適用本章第一節(jié)的規(guī)定。
Article 81 The pledge of rights is governed not only by the provisions of this
Section, but also by the provisions of Section 1 of this Chapter.
第五章留置
Chapter 5 Lien
第八十二條本法所稱留置，是指依照本法第八十四條的規(guī)定，債權(quán)人按照合同約定占有債務(wù)人的動(dòng)產(chǎn)，債務(wù)人不按照合同約定的期限履行債務(wù)的，債權(quán)人有權(quán)依照本法規(guī)定留置該財(cái)產(chǎn)，以該財(cái)產(chǎn)折價(jià)或者以拍賣、變賣該財(cái)產(chǎn)的價(jià)款優(yōu)先受償。
Article 82 "Lien" as used in this Law means that the creditor shall possess
the debtor's movables according to the terms of the contract as provided by
Article 84 of this Law. If the debtor defaults on his debt, the creditor shall
be entitled to retain the property in accordance with the provisions of this Law
and to the priority of having the debt paid with the money converted from the
property or proceeds from sale or auction of the property.
第八十三條留置擔(dān)保的范圍包括主債權(quán)及利息、違約金、損害賠償金，留置物保管費(fèi)用和實(shí)現(xiàn)留置權(quán)的費(fèi)用。
Article 83 The scope of guaranty of lien covers the principal claim and the
interest thereof, default fine, compensation for damage, cost of preservation of
the retained property and expenses for enforcing the lien.
第八十四條因保管合同、運(yùn)輸合同、加工承攬合同發(fā)生的債權(quán)，債務(wù)人不履行債務(wù)的，債權(quán)人有留置權(quán)。
Article 84 In the event of any costs arising from a storage, transportation or
processing contract, if the debtor defaults, the creditor shall have the right
to retain the property.
法律規(guī)定可以留置的其他合同，適用前款規(guī)定。
The provisions of the preceding paragraph shall be applicable to other
contracts whereby the creditor has the right of retention as provided by law.
當(dāng)事人可以在合同中約定不得留置的物。
The parties may specify in the contract the property that may not be retained.
第八十五條留置的財(cái)產(chǎn)為可分物的，留置物的價(jià)值應(yīng)當(dāng)相當(dāng)于債務(wù)的金額。
Article 85 Where the retained property can be divided, the value of the part
retained shall be equal to the sum of the debt.
第八十六條留置權(quán)人負(fù)有妥善保管留置物的義務(wù)。
Article 86 The lien holder shall have the obligation to maintain the retained
property in good condition.
因保管不善致使留置物滅失或者毀損的，留置權(quán)人應(yīng)當(dāng)承擔(dān)民事責(zé)任。
The lien holder shall be civilly liable for loss or destruction of or damage
to the retained property resulting from his negligence.
第八十七條債權(quán)人與債務(wù)人應(yīng)當(dāng)在合同中約定，債權(quán)人留置財(cái)產(chǎn)后，債務(wù)人應(yīng)當(dāng)在不少于兩個(gè)月的期限內(nèi)履行債務(wù)。
Article 87 The creditor and the debtor shall stipulate in the contract that
the debtor shall perform his obligation within not less than two months after
the creditor takes possession of the debtor's property.
債權(quán)人與債務(wù)人在合同中未約定的，債權(quán)人留置債務(wù)人財(cái)產(chǎn)后，應(yīng)當(dāng)確定兩個(gè)月以上的期限，通知債務(wù)人在該期限內(nèi)履行債務(wù)。
If the creditor and the debtor fail to stipulate the same in the contract, the
creditor shall, after taking possession of the debtor's property, fix a time
limit of two months or more and notify the debtor to perform his obligation
within such time limit.
債務(wù)人逾期仍不履行的，債權(quán)人可以與債務(wù)人協(xié)議以留置物折價(jià)，也可以依法拍賣、變賣留置物。
If the debtor defaults within the specified time limit, the creditor may
convert the retained property into money upon agreement with the debtor, or may
auction or sell the retained property according to law.
留置物折價(jià)或者拍賣、變賣后，其價(jià)款超過債權(quán)數(shù)額的部分歸債務(wù)人所有，不足部分由債務(wù)人清償。
Where the money converted from the retained property or the proceeds from
auction or sale exceed the debt secured, their balance shall be paid to the
debtor; where the money or proceeds do not cover the entire secured debt; the
difference shall be paid by the debtor.
第八十八條留置權(quán)因下列原因消滅：
Article 88 The right of retention shall lapse due to the following reasons:
（一）債權(quán)消滅的；
(1) the creditor’s right lapses; or
?。ǘ﹤鶆?wù)人另行提供擔(dān)保并被債權(quán)人接受的。
(2) the debtor gives other security which is accepted by the creditor.
第六章定金
Chapter 6 Deposit
第八十九條當(dāng)事人可以約定一方向?qū)Ψ浇o付定金作為債權(quán)的擔(dān)保。
Article 89 The parties may agree that one party shall pay a deposit to the
other for the security of a debt. 債務(wù)人履行債務(wù)后，定金應(yīng)當(dāng)?shù)肿鲀r(jià)款或者收回。
After the debtor performs his obligation, the deposit shall either be retained
as partial payment or be returned.
給付定金的一方不履行約定的債務(wù)的，無權(quán)要求返還定金；收受定金的一方不履行約定的債務(wù)的，應(yīng)當(dāng)雙倍返還定金。
If the party paying the deposit defaults, he shall have no right to demand the
return of the deposit; if the party accepting the deposit defaults, he shall
return twice the amount of the deposit.
第九十條定金應(yīng)當(dāng)以書面形式約定。
Article 90 The deposit shall be executed in written form.
當(dāng)事人在定金合同中應(yīng)當(dāng)約定交付定金的期限。
The parties shall specify the time limit for the delivery of the deposit in
the deposit contract.
定金合同從實(shí)際交付定金之日起生效。
The deposit contract shall become effective on the date of the actual delivery
of the deposit.
第九十一條定金的數(shù)額由當(dāng)事人約定，但不得超過主合同標(biāo)的額的百分之二十。
Article 91 The amount of the deposit shall be stipulated by the parties, but
it shall not exceed 20 percent of the amount of the principal contract.
第七章附則
Chapter 7 Supplementary Provisions
第九十二條本法所稱不動(dòng)產(chǎn)是指土地以及房屋、林木等地上定著物。
Article 92 The "immovables" as used in this Law means land, and houses,
forest, tress and other things firmly fixed on the land.
本法所稱動(dòng)產(chǎn)是指不動(dòng)產(chǎn)以外的物。
The movables as used in this Law means things other than the immovables.
第九十三條本法所稱保證合同、抵押合同、質(zhì)押合同、定金合同可以是單獨(dú)訂立的書面合同，包括當(dāng)事人之間的具有擔(dān)保性質(zhì)的信函、傳真等，也可以是主合同中的擔(dān)保條款。
Article 93 "Suretyship contract", "mortgage contract", "pledge contract" or
"deposit contract" as used in this Law may be contract concluded separately in
writing that includes the letters and telex in the nature of guaranty between
the parties, or the guaranty clauses in the principal contract.
第九十四條抵押物、質(zhì)物、留置物折價(jià)或者變賣，應(yīng)當(dāng)參照市場(chǎng)價(jià)格。
Article 94 Where the mortgaged property, the pledged property or the retained
property is converted into money or sold, the price shall be fixed with
reference to the market price.
第九十五條海商法等法律對(duì)擔(dān)保有特別規(guī)定的，依照其規(guī)定。
Article 95 Where the Maritime Code and other laws have special provisions on
guaranty, such provisions shall apply.
第九十六條本法自１９９５年１０月１日起施行。
Article 96 This Law shall be implemented as of October 1, 1995.
希尼爾翻譯公司 2014-10-24
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