Floating Mortgage System Analysis

Analyze the defect of the floating charge system in China under the legislation to solve the risk of the floating charge to the creditors. And make detailed legislative proposals of floating charge registration to make the floating charge system can really do to solve the financing difficulties of SMEs, while playing a good role of warranty for the creditors. Put forward reasonable proposals of the scope of the debtor and the collateral. Compare the floating charge system of the world's major countries to ours and analyze the reasons, institutional basis and purpose of the floating charge system, so that we can refer to other country's legislation to complete ours. According to the demand of expanding domestic demands, find the advantages and disadvantages of floating charge system to corporate finance. Study the role of the system of financing to enterprises and promoting economic development to solve the problem of finance in SMEs with China's actual situation and the characteristics of the floating charge system itself. Recognizing that the root causes of the economic crisis is the sub-prime loans, while the risk of the floating charge is precisely due to debtor's lack of solvency and the floating trait of these guaranties making the creditor suffer from benefits losing. Drawing upon the credit rating and evaluation system of other countries, do researches on corresponding credit systems while improve the floating charge system itself. Point out that the effect of the floating charge, its'priorities compared to other real rights granted by way of security as well as the way and procedure of its realization.