现代担保交易登记机构的特征.ppt

现代担保交易登记机构的特征 CHARACTERISTICS OF A MODERN SECURED FINANCING REGISTRY Ronald C.C.Cuming 教授 Saskatchewan 大学法学院 在此所做之结论主要基于作者对加拿大、阿尔巴尼亚和波黑的登记机构的经验总结 OBSERVATIONS BASED PRIMARILY ON EXPERIENCE WITH CANADIAN REGISTRIES AND REGISTRIES IN ALBANIA AND BOSNIA-HERZEGOVINA 集中化原则 CENTRALIZATION 最佳实践 Optimum 单一的、集中的登记机构负责所有类型财产之上担保物权的登记 A single, central registry for charges on all kinds of property 知识产权也许除外 Possible exception of intellectual property 不动产的担保物权在另处登记 Separate registry for interests in immovable property 地方性登记机构模式 REGIONAL REGISTRY MODEL 地方（省级）登记机构（美国和加拿大模式） Regional (provincial) Registries (United States and Canadian Model) 可以从全国任何地点以电子方式进入所有登记机构 Electronic access to every registry from any location in the country 登记只需在一个登记机构完成 Registration required in one registry only 对在何处登记机构进行登记和查询有明确的规定 Clear rules stating the relevant registry for registrations and searches 例如，债务人所在地 －大多数担保物 e.g., location of the debtor – most collateral 例如，担保物所在地－不动产担保物和消费担保物 e.g., location of the collateral – immovable collateral and consumer collateral 登记机构的使用I ACCESS TO THE REGISTRY 1 电子化登记 ELECTRONIC ACCESS 无纸化系统 A PAPERLESS SYSTEM 可通过电子化系统直接登陆登记机构数据库进行登记和查询 Direct electronic access to the registry database for both registrations and searches 可在使用量大的用户所在地、政府部门或是私营服务性机构设置电脑终端 Computer terminals at locations of high volume users, government offices or at private service providers 登记机构的使用IIACCESS TO THE REGISTRY 2 电子与人工双重系统 A Dual Access System 以人工递交或邮寄或传真方式向登记机构提交有形的书面登记表 Delivery (physical, mail, fax) of hardcopy forms to registry office for registration 通过电话、邮件、传真或电子邮件方式查询 Telephone, mail, fax and e-mail requests for search results 公示登记 NOTICE REGISTRATION所有现代登记系统 ALL MODERN SYSTEMS 无需登记担保合约 Charge agreement is not filed 登记在向登记机构提交债务人－债权人关系的基本信息后即告生效 Registration effected by submitting to registry only basic information about a creditor-debtor relationship: 债权人的身份和地址 Identity and Address of Credi