"Property Law" In The Mortgage System On The Impact Of China's Banking Industry

"Property Law" is the recognition and protection of the legal relationship between ownership and also standardize the market economic laws, and with our personal interests are closely related, with the banking sector also has close relations. According to the authoritative department statistics, issues involving security interests of the banking sector and more than 90% of direct relevance. Therefore, studying carefully the"Property Law," on the banking industry to guard against and defuse financial risks, and promote the healthy development of bank credit operations of far-reaching significance.On the whole "Property Law", since No197 to No207 is more concentrated provides collateral legal norms, most of the details in the"Guarantee law" and judicial interpretations on the basis of added amendments, including the scope of collateral, the collateral effect conditions unsecured priority effectiveness, the disposition of collateral procedures and floating charges, the maximum mortgage. The writer believes that the registration of real estate collateral, the collateral property of floating charges, the maximum mortgage system in the existing laws and regulations on the basis of a greater breakthrough on the existing financial market system of financing secured the biggest impact is the main issues discussed in this paper. This paper is divided into five sections to explore:The first part of the mortgage banking system, introduced the importance and the relevance of the mortgage to the bank, and further elaborated in view of the modern value of the collateral changes resulting collateral legislative changes, the collateral with the bank is bound to be more closely linked to trends. In addition, since the idea of changing legislation, "Property Law" in the following three areas have great changes, these changes will have a far-reaching impact on the banking industry.The second part on the scope of the collateral property changes, particularly focusing on the chattel mortgage system changes and the impact on the banking industry.The third part introduced the changes in collateral procedures, in two area of the registration system that the real estate mortgage and the implementation of the right mortgage, focusing on the procedural aspects of the impact of changes on the banking industry. The fourth part on the type of collateral products change, focusing on the financial security of the media - floating mortgage system, the maximum mortgage system these new low-voltage products to the pros and cons of China's banking industry.The fifth part introduced the three banks can develop new mortgage products after the promulgation of "Property Law": namely rural-floating charges, the maximum revolving loan, SME hybrid mortgages, and discusses its feasibility to the China's financial markets.