正规彩票软件2020

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不动产让与担保的实践与思考
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鐞嗚璋冪爺
不动产让与担保的实践与思考
发表时间: 2019-10-15 发布者: Admin 点击率: 843

ZHEJIANGZHONGXINGZHENGGUICAIPIAORUANJIAN2020    XIAYANYAN  DINGYIQING

    NEIRONGTIYAO: RANGYUDANBAOSHIZHIDANBAORENRANGYUDANBAOWUDESUOYOUQUANHUOZHEWUQUANQIDAIQUAN,WEIZHAIWUTIGONGDANBAOERSHELIDEYIXIANGFEIDIANXINGDANBAOFANGSHI。YOUGUANBUDONGCHANRANGYUDANBAODEFALVGUIDINGBINGBUWANBEI,DANRANGYUDANBAOZAISIFASHIJIANZHONGDALIANGCUNZAIBINGCHONGFENFAHUIZUOYONG,XIANGGUANLILUNYUSHIJIANWENTIWUFAHUIBI。JINNIANLAI,RANGYUDANBAOZHUJIANBEIFAYUANMINGQUERENKE,TONGGUOFAYUANPANJUEDENGSHIZHENGFENXIKEZHI,RANGYUDANBAODEQUANLIRENZAIFUHETIAOJIANDEQINGKUANGXIADUIDANBAOWUXIANGYOUYOUXIANSHOUCHANGQUAN。JINRI,WEIXINPENGYOUQUANRECHUANZUIGAORENMINFAYUANGONGBUMINERTINGHUIYIJIYAOSHIDAREDIANFALVWENTI,QIZHONGGUQUANRANGYUDANBAODEXINGZHIYUXIAOLIJIUMINGLIEQIZHONG。RANGYUDANBAOZHIDUTANJIUDUILILUNYUSHIJIANJUNYOUJIJIDEZHIDAOZUOYONG。BENWENCONGBUDONGCHANRANGYUDANBAOYUHOURANGYUDANBAO、BUDONGCHANRANGYUDANBAODETEZHENG、BUDONGCHANRANGYUDANBAODEHETONGXIAO、BUDONGCHANRANGYUDANBAONENGFOUFASHENGYOUXIANSHOUCHANGDEXIAOLIYIJIBUDONGCHANRANGYUDANBAODEFALVGUIZEWANSHANDENGFANGMIANJINXINGLEFENXI。

    GUANJIANCI: RANGYUDANBAO  FEIDIANXINGDANBAO  XIAOLI  QINGSUAN  YOUXIANSHOUCHANG

    RANGYUDANBAOSHIZHIDANBAORENRANGYUDANBAOWUDESUOYOUQUANHUOZHEWUQUANQIDAIQUAN,WEIZHAIWUTIGONGDANBAOERSHELIDEYIXIANGFEIDIANXINGDANBAOFANGSHI。RUGUOZHAIWUDAOQIWEIHUOQINGCHANG,ZEZHAIQUANRENKEYIJIUGAIDANBAOWUYOUXIANSHOUCHANG,RUGUOZHAIWUDAOQIHUODEQINGCHANG,ZEZHAIQUANRENYINGJIANGDANBAOWUFANHAIJIDANBAOREN。

    WOGUOZAILIFACENGMIANMEIYOUQUELIRANGYUDANBAOZHIDU,DANZAISIFASHIJIANZHONGZAOYIQUERENRANGYUDANBAOZHIDU[1],RANGYUDANBAOZAISIFASHIJIANZHONGPUBIANCUNZAI[2]。YANJIURANGYUDANBAOZHIDUJUYOULILUNYUXIANSHIDESHUANGZHONGYIYI。ZUOZHEJIANGTONGGUOYIXIAWUFANGMIANDUIBUDONGCHANRANGYUDANBAOZHIDUJINXINGPOUXIYUTANJIU。

    YI、BUDONGCHANRANGYUDANBAOYUHOURANGYUDANBAO

    XIAYIGUANDIANRENWEI,ZHIYOUZHUANYIDANBAOWUDESUOYOUQUANCAIKEYIRENDINGWEIRANGYUDANBAO。GUANGYIGUANDIANRENWEI,RANGYUDANBAOJIBAOKUOYUXIANZHUANYISUOYOUQUANDEDANBAOFANGSHI,YOUBAOKUOZANBUYIZHUANSUOYOUQUANDEHOURANGYUDANBAOFANGSHI。

    SHIJIANZHONG,BUYUXIANZHUANYIDANBAOWUDESUOYOUQUANQINGXINGGENGWEICHANGJIAN。RU,ZAIFANGDICHANQIYERONGZIKUNNANDEQINGKUANGXIA,FANGDICHANQIYEYISHANGPINFANGMAIMAIHETONGSHELIRANGYUDANBAO。FANGDICHANQIYEBAOLIUFANGWUSUOYOUQUAN,ZAIQIANDINGJIEKUANHETONGDETONGSHI,YUZHAIQUANRENQIANDINGFANGWUMAIMAIHETONG,YICIZUOWEIDUIJIEKUANZHAIWUDEDANBAO。ANXIAYIDEGUANDIAN,CILEIFEIDIANXINGDANBAOBUSHUYURANGYUDANBAO。CIGUANDIANZAI2017NIANZUIGAORENMINFAYUANYIMINSHIPANJUE[3]ZHONGYOUSUOTIXIAN,GAIMINSHIPANJUEZAIMING,RANGYUDANBAOXUYAOJUBEIERGEYAOJIAN,DIYIGEYAOJIANXIDANBAORENJUYOUDANBAOWUDESUOYOUQUAN,DIERGEYAOJIANYAOQIUDANBAORENJIANGSUOYOUQUANRANGDUJIZHAIQUANREN。ERZAI《ZUIGAORENMINFAYUANGUANYUSHENLIMINJIANJIEDAIANJIANSHIYONGFALVRUOGANWENTIDEGUIDING》CHUTAIHOU,SHANGSHURANGYUDANBAODEDIERGEYAOJIANYIJINGMINGQUEFANGKUANZHIZHAIQUANRENQUDERANGDUWUQUANQIDAIQUANJIKE,JIZHIYAOQIANDINGSHANGPINFANGMAIMAIHETONGBIANKEYISHELIRANGYUDANBAO。KEJIAN,SIFAJIESHIQUELIDESHIGUANGYIDERANGYUDANBAO,BAOKUOLEZHUANYIDANBAOWUSUOYOUQUANHEZANBUZHUANYIDANBAOWUSUOYOUQUANDANQUDEDANBAOWUQIDAIQUAN。JIANYUSIFAJIESHIYIJINGMINGQUEHOURANGYUDANBAOBAOHANZAIRANGYUDANBAONEI,GUQUFENRANGYUDANBAOYUHOURANGYUDANBAOYIBINGWUDUODAYIYI,CICHUYIBUZAIZHUISHU。

    ER、BUDONGCHANRANGYUDANBAODETEZHENG

    RUQIANSUOSHU,BUDONGCHANRANGYUDANBAOSHIYIZHONGFEIDIANXINGDEDANBAOFANGSHI。XIANGBIDIANXINGDANBAO(HUOCHENGFADINGDANBAO)FANGSHI,BUDONGCHANRANGYUDANBAOZHUYAOYOUYIXIAJIGEFANGMIANDETEZHENG:

    DIYI,ZUIZHONGSHIFOUQUDEBUDONGCHANSUOYOUQUANDEBUQUEDINGXING。

    BUDONGCHANRANGYUDANBAOZHIZHONGBAOHANBUDONGCHANDEQUANLIZHUANRANG,DANZHAIQUANRENQUDEBUDONGCHANQUANLIDEMUDE,BUSHIWEILEDEDAOGAIQUANLI,ERSHIWEILEYIGAIQUANLIDANBAOTEDINGZHAIWUDELVXING。RANGYUDANBAODEZHAIQUANRENDEDAOGAIBUDONGCHANQUANLIBINGFEIZHONGJUXINGDE,KENENGZUIZHONGFAZHANCHENGZHONGJUXINGDEZHUANRANG,YEKENENGZAIZHAIWUHUODEQINGCHANGHOUJIANGQUANLIFANHAIJIYUANQUANLIREN。

    DIER,WUFALVGUIDING,GAODUTIXIANDANGSHIRENDEYISIZIZHI。

    FADINGDANBAOWUQUANSHIZAISHIJIANDEJICHUSHANGSHANGSHENGWEIFALVGUIDINGERXINGCHENG,ERBUDONGCHANRANGYUDANBAOSHISHIJIANZHONGZIFAXINGCHENG,ZHIYOUXUESHUO、PANLIJINXINGZONGJIEGUINA,ZHIJINWEINENGYICHENGWENFAXINGSHICHUXIAN,ZHUYAOSHIGENJUDANGSHIRENDEYUEDINGERCHANSHENG,CHONGFENTIXIANLEDANGSHIRENDEYISIZIZHI。

    DISAN,BUDONGCHANRANGYUDANBAOJUYOUSUOYOUQUANHUOZHEWUQUANQIDAIQUANZHUANYIDEFALVTEZHENG。

    YUFADINGDANBAOWUQUANXIANGBI,BUDONGCHANRANGYUDANBAOZUIXIANZHUDEQUBIEZAIYU,FADINGDANBAOWUQUANTONGGUOSHEDINGTAWUQUANLAISHIXIAN,ERRANGYUDANBAOZETONGGUOZHUANYISUOYOUQUANHUOWUQUANQIDAIQUANLAISHIXIAN。

    DISI,BUDONGCHANRANGYUDANBAOJINJINSHIJIEDUANXINGRANGYUDANBAOWUDESUOYOUQUANHUOZHEWUQUANQIDAIQUAN。

    ZAIBUDONGCHANRANGYUDANBAOZHONG,ZHAIQUANRENQUDEDANBAOWU,JINJINSHICONGDANBAOZHAIQUANSHIXIANDEJIAODUERQUDE,ZHAIQUANRENBINGFEIZHENZHENGDEDANBAOWUSUOYOUQUANREN,BUDESHANZIXINGSHICHUFENQUANDENGQUANNENG。RUOZHAIWURENHUODANBAORENANYUELVXINGZHAIWUDE,YOUQUANYAOQIUZHAIQUANRENFANHAIDANBAOWU,ZHAIQUANRENZAIZHAIQUANSHOUCHANGHOUYINGDANGFANHAIRANGYUDANBAODEDANBAOWU。

    DIWU,BUDONGCHANRANGYUDANBAOJUYOULINGHUOXING。

    DUISHUANGFANGDANGSHIRENERYAN,BUCAIYONGFADINGDEDIYADENGJIERCAIYONGRANGYUDANBAOFANGSHIDEMUDEKENENGYOUSAN: SHOUXIAN,RUGUOFANGWUHAISHIZAIJIANFANG,WUFABANLIDIYASHOUXU,DANQUEKEYITONGGUOQIANDINGMAIMAIHETONGXINGSHIXIANZHIZHAIWURENDEQUANLI,SHIZHAIWURENWUFASHANZIJIANGFANGWUZHUANRANGJIDISANRENTAOBIZHAIWU;QICI,ZHAIQUANRENKEYITONGGUOQIANDINGMAIMAIHETONGCHENGWEIGOUFANGZHE,TONGGUOWANGQIAN、YUGAODENGJIDENGXINGSHIXINGSHIDUIFANGWUDEQIDAIQUANLI,ZAISHISHISHANGDUIFANGWUYOULEKONGZHIDEKENENG;ZAICI,ZAIZHAIWURENWUFAQINGCHANGZHAIWUSHI,SHOURANGRENKEYIDUIFANGWUHUOZHEFANGWUQIDAIQUANJINXINGCHUFEN,CONGERCONGFANGWUDEJIAZHIZHONGSHOUCHANG。

    SAN、BUDONGCHANRANGYUDANBAODEHETONGXIAOLI

    WOGUOFALVSHANGWEIDUIRANGYUDANBAODEHETONGXIAOLIZUOCHUMINGQUEGUIDING,JINYOU《ZUIGAORENMINFAYUANGUANYUSHENLIMINJIANJIEDAIANJIANSHIYONGFALVRUOGANWENTIDEGUIDING》DI24TIAODUICIZUOCHUGUIDING[4] 。YOUYURANGYUDANBAOBUTONGYUFADINGDANBAO,YOUQUEFAXIANGYINGDEFALVGUIDING,GUDUIRANGYUDANBAODEHETONGXIAOLI,CUNZAIBUTONGDEGUANDIAN。

    1、GUANYUMAIMAIHETONGSHIFOUYINSHUANGFANGTONGMOUXUJIAYISIERWUXIAO。

    按照前述司法解释的规定,应当坚持基础法律关系审理。买卖合同只是作为让与担保的表现形式,双方之间真实的法律关系是民间借贷。[5]但是,有观点认为,这种情况下,其真实意思并不是房屋买卖,而是融资担保,因此买卖合同有名无实,为双方通谋虚假意思,应当认定无效。例如,最高人民法院民事判决[6]载明: “由此可以认定,案涉《房屋买卖合同》买卖店面的约定本身是当事人之间的虚伪意思表示,……,当事人间达成一致的真实意思即隐匿行为是将案涉店面作为借款合同的担保。根据《民法总则》第一百四十六条之规定,本院认定案涉《房屋买卖合同》本身作为伪装行为无效,而借款担保作为隐藏行为,在不违反法律、行政法规的强制性规定的情况下,可以肯定其在当事人之间的合同效力。”

    ZUOZHERENWEI,SHANGSHUGUANDIANZHIDESHANGQUE,JIANG《FANGWUMAIMAIHETONG》RENDINGWEIXUJIAYISIBIAOSHI,ZHEISHISHITUJIANGFUZADEHETONGGUANXIQUANBUJIANHUAWEIXUJIAHEZHENSHILIANGLEI,CIFENLEIXIANRANGUOYUJIANDANHUA,YUSHEHUISHENGHUODEFUZADUOYANGHUAGEGEBURU。SHEHUISHENGHUOZHONG,RENMENQIANDINGHETONG,JIKEYIYOUJIANDANDEMUDE,YEKEYIYOUFUZADEMUDE,JIKEYIYOUDUANQIDEMUDE,YEKEYIYOUZHANGQIDEMUDE,SHENZHIMOUXIESHIHOUDUANQIMUDEHEZHANGQIMUDESHIXIANGFANDE。LIRU,JIAZHANGWEILEJIHAIZIDUSHUERGOUMAIXUEQUFANG,XUEQUFANGKEYIYONGYUZIZHU,HUOZHEYONGYUCHUZU,HUOZHEDUANZANRUZHUYIDUANSHIJIAN,ERHOUZAICHUZUHUOZHEKONGGUAN。GOUFANGXUEQUFANGDESHIHOU,CHUMAIRENYUMAISHOURENKENENGHAIHUIYUEDINGZAIYIDUANSHIJIANHOUMAISHOURENYOUQUANYAOQIUCHUMAIRENHUIGOUXUEQUFANG。XIANSHIZHONG,XUEQUFANGDEBENSHENJUZHUTIAOJIANKENENGYUANBURUMAISHOURENXIANYOUDEJUZHUTIAOJIAN,CHUMAIRENYUMAISHOURENSHUANGFANGDOUMINGZHIMAISHOURENGOUMAIFANGWUJINJINSHIYICIZUOWEIHAIZISHENBAORUXUEDETIAOJIAN,MAISHOURENBINGWUGOUMAIFANGWUJUZHUDEZHENSHIYISI,HAIZIRUXUEHOUKENENGCHUSHOUGAIFANGWU,ZAICIQINGKUANGXIA,NANDAOKEYISHUOCHUMAIRENHEMAISHOURENMAIMAIXUEQUFANGSHIXUJIAYISIBIAOSHIMA?QIZHONGYIFANGKEYIXUJIAYISIBIAOSHIWEIYOUYAOQIUQUERENFANGWUMAIMAIHETONGWUXIAOMA?LEISIDE,BUDONGCHANRANGYUDANBAODEQIANYUESHUANGFANG,JUYOUDUANQIDEZHUANYIBUDONGCHANSUOYOUQUANDEZHENSHIYISI,YEJUYOUZHANGQIDEZAIBEIDANBAOZHAIQUANQINGCHANGHOUSHOUHUIBUDONGCHANSUOYOUQUANDEZHENSHIYISI。DUANQIMUDESHIXIANGQUDEFANGWUSUOYOUQUAN,SHIWEIDADAORANGYUDANBAODEFALVSHOUDUAN,ZHANGQIMUDESHIXIANGQUEBAOZHAIQUANDESHIXIAN,ERBUSHIWEILEQUDEYONGYUDANBAODEFANGWUSUOYOUQUAN。

    事实上,与让与担保类似的非典型担保形式多样,有所有权保留、假登记担保、账户质押、代理受领、回赎等等[7]。以比较常见的所有权保留为例,出卖人保留所有权的目的不是为了取得货物所有权,而是为了确保获得买卖价款。比照上述最高人民法院判决书的观点,是不是可以类推出一个判决结果: “案涉《买卖合同》保留所有权的约定本身是当事人之间的虚伪意思表示,……根据《民法总则》第一百四十六条之规定,本院认定案涉《买卖合同》保留所有权本身作为伪装行为无效”?司空见惯的保留所有权行为如果被确认为无效,这个结果估计会让所有人都无法接受。

    YINCI,MAIMAIHETONGSHIWEILEDACHENGRANGYUDANBAODEFALVSHOUDUAN,BENSHENYESHIDANGSHIRENDEZHENSHIYISIBIAOSHI,SUIRANYUMINJIANJIEDAIHETONGJUYOUCONGSHUXING,DANBUNENGYINCONGSHUXINGERJIANGQIRENDINGWEIXUWEIYISIBIAOSHI。ZAICIWENTISHANG,(2017)E01MINZHONG1066HAOMINSHIPANJUE[8]ZHICHIZUOZHEGUANDIAN。

    ZAIZUIGAORENMINFAYUAN2018NIANZUOCHUDEPANJUE[9]ZHONG,YIJINGGAIBIANYUANRENDINGMAIMAIHETONGWUXIAODEGUANDIAN。

    2、DUIYUJINZHI“YIZHAIQUANJINEQUDEDANBAOBIAODEWUSUOYOUQUAN”DESIKAO。

    YIBANRENWEI,《WUQUANFA》GUIDINGJINZHILIUDIHELIUZHIDEMUDE,SHIWEILEFANGZHIZHAIQUANRENCHENGRENZHIWEI,POSHIDANBAORENZHUANYIWUQUAN,CONGERSUNHAIZHAIWUREN、DANBAORENHUOZHEDISANRENDEHEFAQUANYI。DANSHI,ZAIRANGYUDANBAOZHONGYIGAIRENDING“ZAIZHAIWURENBULVXINGZHAIWUSHIZHAIQUANRENZHIJIEQUDEDANBAOWU”WUXIAO,QIBIYAOXINGCUNZAIYIXIAJIGEFANGMIANDEYIWEN:

    (1)ZHUZHANGLIUYATIAOKUANWUXIAODEGUANDIANZHUYAOSHICONGCHENGRENZHIWEIDEJIAODUKAOLV,ZHAIWURENYINJINGJIKUNNAN,KEGUANSHANGYUZHAIQUANRENBUJUYOUPINGDENGDEYIJIANENGLI,ZHAIQUANRENKENENGCHENGRENZHIWEI,POSHIZHAIWURENDINGLILIUZHIXIEYI,CONGERSUNHAIZHAIWUREN、DANBAORENHUOZHEDISANRENDELIYI,MINGXIANYOUSHIGONGYUN。DANZAIBUDONGCHANRANGYUDANBAOZHONG,TIGONGBUDONGCHANZUOWEIDANBAOWUDEDANBAORENHUOZHAIWUREN,ZHUYAOSHIFANGDICHANKAIFASHANG,JINGJISHILIYUANSHENGYUCHANGREN,JINGJISHANGDEKUNNANBINGBURUXIANGXIANGDEYANZHONG;XIANJINJINGJIHUODONGJIAOWANGPINFAN、XINXIFADA,ZHAIQUANRENYEJIBENZUOBUDAOCHENGRENZHIWEI、POSHIQIANYUEDEKENENG。

    (2)“GONGPINGGONGZHENG”SHIMINFAZONGZEDEJIBENYUANZE。RUGUOMINSHIZHUTIWEIFANLEMINFAZONGZEQUEDINGDEGONGPINGHELIDEJIBENYUANZE,SHOUSUNHAIYIFANGKEYIYIFAZHUZHANGQUANLI。GENJUMINFAZONGZEDEGUIDING,YIFANGYIXIEPOSHOUDUANHUOLIYONGDUIFANGCHUYUWEIKUNZHUANGTAISHISHIDEMINSHIFALVXINGWEI,SHOUSUNHAIFANGYOUQUANQINGQIUCHEXIAOSHENQINGCHEXIAO。YINCI,BINGWUZHIJIEGUIDINGBUDONGCHANRANGYUDANBAO“YIZHAIQUANJINEQUDEDANBAOBIAODEWUSUOYOUQUAN”WUXIAODEBIYAOXING。

    (3)YUQITAFALVGUIDINGBUYIZHI。ZHAIWURENZAIJIXURONGZIDEQINGKUANGXIA,KENENGHUIJIANGZIJIJIAOGAOJIAZHIDEDANBAOWUYONGYIDANBAOJIAOXIAOJINEDEZHAIQUAN,YEYOUKENENGZHAIWURENHUIZHIJIECHUSHOUXIANGYINGDEBUDONGCHAN。ZHEILIANGZHONGBUTONGDEQINGKUANGXIA,FASHENG“YIFANGYIXIEPOSHOUDUANHUOLIYONGDUIFANGCHUYUWEIKUNZHUANGTAISHISHIDEMINSHIFALVXINGWEI”DEKENENGXINGDOUCUNZAI。BUDONGCHANRANGYUDANBAOQINGXINGXIA,FALVJIANG“YIZHAIQUANJINEQUDEDANBAOBIAODEWUSUOYOUQUAN”RENDINGWEIWUXIAO,ZHIJIECHUSHOUBUDONGCHANQINGXINGXIA,FALVJIANG“YIZHAIQUANJINEGOUMAIQUDEBIAODEWUSUOYOUQUAN”JINZUOWEIKECHEXIAOCHULI,LEISIDEQINGXINGQIFALVHOUGUOMINGXIANBUTONG,ZHEIYESHUOMINGZHIJIEGUIDING“YIZHAIQUANJINEQUDEDANBAOBIAODEWUSUOYOUQUAN”WUXIAOQUEFABIYAOXING。

    CIWAI,YOUGUANDIANRENWEI,CONGHETONGFAJIAODUJIANG,DANGSHIRENDACHENGHEYIDEZHENSHIYISIBUJUYOU“YIZHAIQUANJINEQUDEDANBAOBIAODEWUSUOYOUQUAN”DENEIRONG,GUFAYUANBUYUZHICHIYEFUHEYISIZIZHIYUANZE[10]。GAIGUANDIANZHIDESHANGQUE,YIXIEBUDONGCHANRANGYUDANBAOHETONGZHONG,YOUZHAIWUBULVXINGSHIZHAIQUANRENYOUQUANZHIJIEQUDEDANBAOBIAODESUOYOUQUANDIZHAIDEMINGQUEYUEDING,ZAIDANBAODEZHAIWUDEBUDAOQINGCHANGDEQINGKUANGXIA,“YIZHAIQUANJINEQUDEDANBAOBIAODEWUSUOYOUQUAN”DENEIRONGXIANRANSHIDANGSHIRENDEMINGQUEYUEDING,YESHIDANGSHIRENDEZHENSHIYISI。PAOKAIKEGUANSHISHI,ZHIJIEYIDANGSHIRENMEIYOUZHIJIEQUDEDANBAOWUDEHEYIWEIYOU,BUZHICHIZHIJIEYIWUDIZHAI,BIJIAOQIANQIANG。

    SI、BUDONGCHANRANGYUDANBAONENGFOUFASHENGYOUXIANSHOUCHANGDEXIAOLI

    YUDIANXINGDANBAOWUQUANBUTONG,RANGYUDANBAOSHITONGGUOYIXILIEDEHETONGLAISHIXIANDUIDANBAOWUDESUOYOUQUANKONGZHI,CONGERZUIZHONGSHIXIANRANGYUDANBAODEDANBAOGONGNENG。BUDONGCHANRANGYUDANBAODEZHAIQUANREN,ZAIBANLILEBUDONGCHANZHUANRANGSHOUXU,HUOZHEYIYIDINGXINGSHIGONGSHILEDUIDANBAOWUDEQUANLIHOU,DUIDANBAOWUYINGXIANGYOUYOUXIANSHOUCHANGQUAN,LIYOURUXIA:

    1、DANGSHIRENQIANDINGBUDONGCHANRANGYUDANBAOHETONG,SIFAJIESHIYIJINGQUERENZHEISHUYUYIZHONGDANBAOXINGWEI,SHIJIANZHONGDANBAOWUYOUJIBENSHIZHAIWURENSUOYOUDEBUDONGCHAN,RUZHAIQUANRENDUIBUDONGCHANBUNENGYOUXIANSHOUCHANG,ZEDANBAOYIYIHEZAI?YINCI,FUHETIAOJIANDERANGYUDANBAOZHAIQUANRENYINGDANGXIANGYOUYOUXIANSHOUCHANGQUAN,ZHEIYESHIRANGYUDANBAOZHIDUDEYINGYOUZHIYI。

    ZAISIWEI、XIAOFENGSUOZHU《DANBAOFASHIWUZHAJI》[11]ZHONG,RENWEI“YIMAIMAIHETONGWEIMINJIANJIEDAITIGONGDANBAO,BINGBUNENGSHIZHAIQUANRENHUODEXIANGYINGDEDANBAOWUQUAN,ZHAIQUANRENWUFAJIUMAIMAIDEBIAODEWUYOUXIANSHOUCHANG。”GAIGUANDIANMEIYOUQUFENDANBAOWUSHIFOUYIJINGBANLILESUOYOUQUANZHUANYISHOUXU,YIGAIRENDINGRANGYUDANBAOZHAIQUANRENBUXIANGYOUYOUXIANSHOUCHANGQUAN。GAIGUANDIANRUGUOCHENGLI,RANGYUDANBAODEXIAOLIJIBENSHANGJIUBUCUNZAI,RANGYUDANBAOZHIDUYEMEIYOUKEFAHUIZUOYONGZHICHULE。YINWEISHIJIANZHONGRANGYUDANBAODEDANBAOWUJIBENSHANGSHIZHAIWURENSUOTIGONGDE,DANBAOWUBENLAIJIUSHIZHAIWURENZHAIWUDEZERENCAICHAN,RUGUOZHAIQUANRENDUIGAIDANBAOCAICHANMEIYOUYOUXIANSHOUCHANGQUAN,ZEWULUNYOUMEIYOUSHELIRANGYUDANBAO,ZHAIQUANRENDOUKEDUIGAICAICHANSHOUCHANG,MEIYOUQUBIE。WEIYIYOUQUBIEDESHI,RUGUODANBAOWUSHIYOUDISANRENTIGONGDE,ZHAIQUANRENZAIDUIZHAIWURENZHUZHANGZHAIQUANZHIWAI,HAIKEYIEWAIDUIDISANRENTIGONGDEDANBAOWUXINGSHISHOUCHANGQUAN。

    2、JIUGUQUANRANGYUDANBAODEXIAOLI,ZUIGAOFAYUANMINERTINGFAGUANHUIYIRENWEI,RANGYUDANBAOHETONGSHIDANGSHIRENYISIZIZHIDETIXIAN,ZHIYAODANGSHIRENSHUANGFANGYOUZHENSHIDEYISIBIAOSHI,QIEBUWEIFANFALV、XINGZHENGFAGUIDEQIANGZHIXINGGUIDING,MINGYISHANGDEGUQUANSHOURANGRENDUIBIANJIAHOUDEGUQUANJIAZHIXIANGYOUYOUXIANSHOUCHANGQUAN。ZHEIGEGUANDIANSHIZHENDUIGUQUANRANGYUDANBAODE,CANZHAOZHEIGEGUANDIAN,RUGUOBUDONGCHANRANGYUDANBAODESHUANGFANGYIJINGWANCHENGBUDONGCHANBIANGENGDENGJIDEQINGKUANGXIA,ZHAIQUANRENDUIBIANJIAHOUDEBUDONGCHANJIAZHIXIANGYOUYOUXIANSHOUCHANGQUAN。

    3、RANGYUDANBAODECHUXIANBENLAIJIUSHIWEILEBAOHUJIAOYIANQUAN,JIANSHAOSHEHUIJIAOYIFENGXIAN,CUJINJINGJIWENJIANFAZHAN。CONGWUQUANDEJIBENLILUNLAISHUO,SUOYOUQUANSHIZUIWANZHENGDEWUQUAN,YIRANGYUDANBAOFANGSHIZHANYOUBUDONGCHAN,ZHANYOURENZAIXINGSHISHANGSHIBUDONGCHANDESUOYOUREN,XIANGBIQITADANBAOWUQUAN,ZHAIQUANRENYAOZHUDONGDEDUO,YOULIDEDUO。RUGUOBUFUYUZHAIQUANRENYOUXIANSHOUCHANGQUAN,ZEDAOZHIRANGYUDANBAOZHIDUSHIQUCUNZAIDEJIAZHI,GULIZHAIWURENWEIYUEDEFASHENG,YOUWEIMINFACHENGSHIXINYONGYUANZE。

    4、RANGYUDANBAOZHIDUYIJINGZAIKEGUANSHANGJUBEILEQUEBAODANBAOQUANRENYOUXIANSHOUCHANGDETIAOJIAN。YOUYURANGYUDANBAOZHIDUZHONG,BIAODEWUSUOYOUQUANXUYAOZHUANYIJIZHAIQUANREN,HUOZHEXUYAOZAIHETONGZHONGYUEDINGWUQUANQIDAIQUANZHUANYIJIZHAIQUANREN,DANSHIWANGWANGBANLILEFANGWUYUSHOUDENGJI、FANGWUYUGAODENGJIDENGSHOUXU,JUYOUXIANGYINGDEGONGSHIXING,XIANGBIDIYAQUANDENGDANBAOWUQUAN,RANGYUDANBAOQUANRENZENGJIADUIDANBAOWUDEKONGZHI,DANBAOCAICHANKEQIDAOZHENZHENGDEDANBAOZUOYONG。TONGSHI,RANGYUDANBAOHETONGZHONGDUIYUZHAIWUREN、ZHAIQUANRENCHUFENDANBAOWUDEXINGWEIYIBANDOUYOUJINZHIXINGYUEDING,ZHAIWURENHUOZHEZHAIQUANRENSHANZICHUFENBIAODEWUDEQINGXINGHENSHAOJIAN,ZHEIJIUJIDADIJIANGDILEDANBAOWUCHUXIANSHANYIDISANRENDEKENENGXING,FUYUZHAIQUANRENYOUXIANSHOUCHANGQUANBUHUISUNHAIDISANRENDELIYI。

    WU、BUDONGCHANRANGYUDANBAODEFALVGUIZEWANSHAN

    1、BUDONGCHANRANGYUDANBAOZHONGSUOYOUQUANZHUANYIGONGSHIWENTIDEFALVGUIZE

    WOGUOMUQIANDUIBUDONGCHANSHIXINGDESHIDENGJIZHIDU,QITABUFENTESHUDONGCHANJIQUANLIYESHIXINGDENGJIZHIDU。DIANXINGWUQUANDANBAO,LIRUBUDONGCHANDIYAQUANDENG,XUYAOZAIBUDONGCHANDENGJIBUMENBANLIDIYADENGJI,DIYAQUANZIDENGJISHISHELI;RUGUOZHIQIANDINGHETONG,BUBANLIDIYAQUANDENGJI,ZEXIANGYINGHOUGUOSHIYAOMEDIYAQUANWEINENGBUSHELI,YAOMEDIYAQUANBUNENGDUIKANGSHANYIDISANREN。BUDONGCHANRANGYUDANBAODESHELI,RUGUOJINJINQIANDINGHETONG,ERBUJINXINGRENHEDEGONGSHI,ZEZHEIZHONGHETONGWUFAFUYURANGYUDANBAOQUANLIRENYOUXIANSHOUCHANGQUAN。

    ZAIDANBAORENJIANGRANGYUDANBAODEDANBAOWUZHUANYIDENGJIJIZHAIQUANRENDEQINGXINGXIA,QUANLIGONGSHIZIWUWENTI。ZAIDANBAOWUWEIZHUANYIDENGJIJIZHAIQUANRENDEQINGXINGXIA,SHIFOUYILVDANGZUOQUANLIWEIGONGSHI?KAOLVDAOWOGUOBUDONGCHANDEZHUANRANG,TEBIESHISHANGPINFANGDECHUSHOUYOUYITAOWANBEIDEZHIDU,XIAOSHOUZHONGDEHENDUOXINGWEI,KEGUANSHANGJUYOULEGONGSHIDEXIAOGUO,KEYIQIDAOFANGZHIDANBAOWUSUOYOUZHESHANZICHUFENDANBAOWU、FANGZHISHANYIDISANRENYINBUZHIQINGERGOUMAIHUOJIESHOUDIYADENGFENGXIAN,KEYIJIANGZHEIXIEXINGWEIRENDINGWEIJUYOUYUDANBAOWUZHUANYIDENGJIXIANGTONGDEGONGSHIXIAOLI。ZHEIXIEJUYOUYUDANBAOWUZHUANYIDENGJIXIANGTONGDEGONGSHIXIAOLIDEXINGWEIBAOKUO: QIANDINGLESHANGPINFANGMAIMAIHETONGBINGBANLILEWANGQIANSHOUXU;QIANDINGLESHANGPINFANGMAIMAIHETONGBINGBANLILEYUGAODENGJI。

    2、BUDONGCHANRANGYUDANBAOZHONGQINGSUANWENTIDEFALVGUIZE

    GENJUZUIGAORENMINFAYUANSIFAJIESHI[12]DEGUIDING,BUDONGCHANRANGYUDANBAOSHIXINGGUOCHENGZHONG,XUDUIDANBAOWUJIAZHIJINXINGQINGSUAN,ZHAIQUANRENBUNENGZHIJIEQUDEDANBAOWU。

    (1)DANGZHAIWURENWEINENGANYUELVXINGZHAIWUSHI,RANGYUDANBAOZHAIQUANRENZHIJIEXIANGYOUBIAODEWUSUOYOUQUAN。

    ZHAIWUBULVXINGSHI,RANGYUDANBAOQUANRENZHIJIEXIANGYOUDANBAOWUDESUOYOUQUANHAISHIYOUQUANYAOQIUXIANGYOUBIAODEWUSUOYOUQUAN,ZHIYAOZHAIQUANRENWUXULVXINGQINGSUANYIWU,ZHEILIANGZHEZAISHIFOUWEIFANLIUZHITIAOKUANFANGMIANBINGWUSHIZHIQUBIE。

    BIJIAOQUANWEIDEGUANDIANRENWEI“JINZHILIUZHI(HUOLIUYA),……YIBIMIANZHAIQUANRENCHENGZHAIWURENZHIJIPOERLANYONGQIYOUSHIDIWEI”[13]YOUCIKEJIAN,《WUQUANFA》JINZHILIUZHI(HUOLIUYA)DEGENBENMUDESHIFANGZHIZHAIWURENSHIXIANFANGQIDANBAOWUDEQUANBUJIAZHI,ERBUSHIJINZHIZHAIQUANRENQUDEDANBAOWU。SHANGSHUSIFAJIESHI“CHUJIERENKEYISHENQINGPAIMAIMAIMAIHETONGBIAODEWU,YICHANGHAIZHAIWU”DEGUIDING,MEIYOUCONG《WUQUANFA》JINZHILIUZHI(HUOLIUYA)DEGENBENMUDECHUFA,MANGMUXIANZHIZHAIQUANRENQUDEDANBAOWU,CUNZAIBUTUO。

    DANGZHAIWURENBUNENGQINGCHANGZHAIWUSHI,DANBAOWUBEIPAIMAI、BIANMAIDENGYUYIQINGCHANGZHAIWU,SHUYUFUHEFALVGUIDINGDEDANGRANZUOFA。RUGUODANGSHIRENZAIBUDONGCHANRANGYUDANBAOHETONGZHONG,DUIYUQINGSUANZUOCHULEMINGQUEYUEDING,JINGGUOQINGSUANCHENGXUHOU,YOUZHAIQUANRENQUDEDANBAOWUBINGWUBUKE。

    (2)DANGFASHENGZHAIWUBULVXINGSHI,XUYAOJINXINGPAIMAIQINGSUAN

    ANZHAOZUIGAORENMINFAYUANSIFAJIESHI[14]GUIDING,ZAIZHAIWURENBULVXINGZHAIWUSHI,ZHAIQUANRENJINYOUSHENQING“PAIMAI”YIZHONGTUJING。ZAIZHAIWULVXINGQIXIANJIEMANZHAIWUWEIHUOQINGCHANGDEQINGKUANGXIA,WULUNDANBAOWUSHIFOUYIJINGWANCHENGZHUANYIDENGJI,ZHAIQUANRENBINGBUNENGZHIJIEQUDEDANBAOWUSUOYOUQUAN,ERSHIXUYAOTONGGUO“PAIMAI”QINGSUANDANBAOWUDEJIAZHI。

    DANSHI,BIJIAOFALVDUIYUDIYAWUDECHULIFANGSHIKEJIAN,LIANGZHECUNZAIZHECHABIE。WUQUANFA[15]DUIYUDIYAWUDECHUZHIGUIDINGDESHIKEYI“ZHEJIA、PAIMAI、BIANMAI”,ERMINJIANJIEDAISIFAJIESHIDIERSHISITIAOJINJINGUIDINGLE“PAIMAI”YIZHONGFANGSHI。

    DUICI,YINGDANGRENWEI,MINJIANJIEDAISIFAJIESHIDIERSHISITIAOGUIDINGDE“PAIMAI”,JINJINSHICHUZHIRANGYUDANBAOZHIDANBAOWUDEFANGSHIZHIYI,SHIJICHUZHIFANGSHIBUYINGDANGJINXIANYUCI。RUGUODANGSHIRENZAIBUDONGCHANRANGYUDANBAOHETONGZHONG,DUIYUZHAIWUWEILVXINGDEQINGKUANGXIA,RUHEDUIDANBAOWUJINXINGQINGSUANYOUYUEDINGDE,YINGDANGANZHAOYUEDINGCHUZHI。QINGSUANYIWUSHIRANGYUDANBAODANGSHIRENZHIJIANDEFADINGYIWU,DANSHIZAILVXINGLEGAIYIWUDEQIANTIXIA,JUTIDECHUZHIFANGSHIKEYIYOUDANGSHIRENZIXINGYUEDING。CAIQU《WUQUANFA》GUANYUDIYAWUDEBIANMAI、ZHEJIA、PAIMAIDENGFANGSHI,JUNSHUKEXING。

    ZAIZUIJINDEPANJUEZHONG[16],ZUIGAORENMINFAYUANYIJINGRENKEDANBAOWUKECAIQUDUOZHONGFANGSHICHUZHI: “YIBANERYAN,RANGYUDANBAOYOUGUISHUQINGSUANXINGHECHUFENQINGSUANXINGLIANGZHONGSHIXIANFANGSHI,……,JUTICAIQUHEZHONGSHIXIANFANGSHI,KEYOUDANGSHIRENYIYISIBIAOSHIYIZHIXUANZE。”

    JIEYU

    DANBAOSHISHEHUIJIAOYIZHONGZIFACHANSHENGDE。DANGSHIRENZAIJINGJIHUODONGZHONG,JIYUPOSUDEJIAOYIGUANNIAN,JIANGZIJIDEWUZHUANJIAOJIJIAOYIDUIFANG,ZHIYOUDANGZIJILVXINGZHAIWUYIHOUCAIYOUQUANSHOUHUIWU。RUGUOBAOLIUWUDESUOYOUQUAN,ZHEIJIUSHIDONGCHANZHIYA,RUGUOJIANGSUOYOUQUANYIJIAOZHAIQUANREN,ZHEIJIUSHIRANGYUDANBAO。XIANSHISHENGHUOZHONG,BUDONGCHANRANGYUDANBAORUGUOZHUANYIWUDESUOYOUQUANDEHUA,JIUHUISHEJIDAOBUDONGCHANDEGUOHUWENTI,XIANGYINGDEHUICHANSHENGJIAOYIDESHUIFEI;RANGYUDANBAODEZHAIWULVXINGHOU,YOUSHEJIDAODANBAOWUDEFANHAIGUOHU,JIANGCHANSHENGDIERCIJIAOYIDESHUIFEI。XIANGBISUODANBAODEZHAIWU,LIANGCIGUOHUSUOCHANSHENGSHUIFEIHUIZHANZHAIWUBIJIAODADEBILI,SHENZHIHENKENENGCHAOGUOZHAIWUYINIANDELIXI。YINCI,BUDONGCHANRANGYUDANBAODESHIJIBIAOXIANXINGSHI,JUEDABUFENSHIBUYUXIANZHUANYISUOYOUQUANDE,YIBANCAIQUQIANDINGBUDONGCHANMAIMAIHETONGBINGWANGQIAN、YUGAODENGJIDENGFANGFA。

    JIANYUSHEHUISHENGHUODEKEGUANXUQIUHERANGYUDANBAONENGCUJINJIAOYIDEZUOYONG,YINGDANGCHENGRENRANGYUDANBAODEHEFAXING,ZAIYIDINGTIAOJIANXIA,BINGCHENGRENRANGYUDANBAODEYOUXIANSHOUCHANGQUAN。




    [1](2017)ZUIGAOFAMINZAI100HAOCAIDINGSHUZAIMING: “YINCI,KEYIRENDINGTENGDERONGQUDEFUXINZHONGDIXINGONGSI51%DEGUQUANSHIZUOWEITENGBOLVXING《JIEKUANXIEYI》XIANGANWAIRENCHENMOUDENGRENHAIKUANDEDANBAO,TENGBOANYUEDINGHAIKUANSHITENGDERONGFANHAIFUXINZHONGDIXINGONGSI51%GUQUANJITENGBODETIAOJIAN,ZHEISHIYIZHONGFEIDIANXINGDEDANBAOFANGSHI,DUISHUANGFANGJUYOUFALVJUSHULI。”

    [2]ZUIGAORENMINFAYUAN(2017)ZUIGAOFAMINSHEN516HAOMINSHICAIDINGSHU: “ZAIYISHANGPINFANGMAIMAIHETONGDEFANGSHITIGONGDANBAODEQINGKUANGXIA,DANGSHIRENZHIJIANXINGCHENGDANBAOFALVGUANXIDEQIANTITIAOJIANBINGFEIQIANDINGSHUMIANDANBAOHETONG,MINGWEIMAIMAISHIWEIDANBAODESHANGPINFANGMAIMAIHETONGZAIMINJIANJIEDAIANJIANZHONGLVJIANBUXIAN”。

    [3]ZUIGAORENMINFAYUAN(2017)ZUIGAOFAMINZAI335HAOMINSHIPANJUESHU: RANGYUDANBAODEYAOJIANZHIYISHIDANBAORENJUYOUDANBAOWUDESUOYOUQUAN,YAOJIANZHIERSHIRANGDUSUOYOUQUANJIDANBAOQUANREN。

    [4] 《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第24条第1款 规定: “当事人以签订买卖合同作为民间借贷合同的担保,借款到期后借款人不能还款,出借人请求履行买卖合同的,人民法院应当按照民间借贷法律关系审理,并向当事人释明变更诉讼请求。当事人拒绝变更的,人民法院裁定驳回起诉。”

    [5]ZUIGAORENMINFAYUANMINYITING: ZUIGAORENMINFAYUANMINJIANJIEDAISIFAJIESHILIJIEYUSHIYONG,RENMINFAYUANCHUBANSHE,2015NIAN8YUEDI1BAN,DI426YE。

    [6]ZUIGAORENMINFAYUAN(2016)ZUIGAOFAMINZAI113HAOMINSHIPANJUESHU。

    [7]CAOSHIBING: ZHONGGUODANBAOZHIDUYUDANBAOFANGFA,ZHONGGUOFAZHICHUBANSHE,2008NIAN1YUEDI1BAN,DI254YE。

    [8] (2017)E01MINZHONG1066HAOMINSHIPANJUEZAIMING: “GENJUXINTUOFALILUN,RANGYUDANBAODANGSHIRENYIZHENYIJINXINGXINTUODERANGYUXINGWEI,BINGFEITONGMOUXUWEIBIAOSHI,YINGSHUYOUXIAODEFALVXINGWEI”,GAIGUANDIANGENGFUHERANGYUDANBAOHETONGZHONGDANGSHIRENDEZHENSHIYISI。

    [9]ZUIGAORENMINFAYUAN(2018)ZUIGAOFAMINZHONG119HAOMINSHIPANJUESHU: ZAIRANGYUDANBAOZHONG,ZHAIWURENWEIDANBAOQIZHAIWUJIANGDANBAOWUDEQUANLIZHUANYIJIZHAIQUANREN,SHIZHAIQUANRENZAIBUCHAOGUODANBAOMUDEDEFANWEINEIQUDEDANBAOWUDEQUANLI,SHICHUYUZHENZHENGDEXIAOGUOYISIERZUOCHUDEYISIBIAOSHI。JINGUANQIZHONGCUNZAIFALVSHOUDUANCHAOYUEJINGJIMUDEDEWENTI,DANYUQIANSHUJINZHIXINGGUIDINGZHONGYIXUJIADEYISIBIAOSHIYINZANGQITAFALVXINGWEIDEZUOFA,MINGXIANBUTONG,BUYINGYINCIERWUXIAO。

    [10]CHENGSHIGANG SUNHUILI ZHANGLONG: RUHERENDINGFANGWUMAIMAIRANGYUDANBAODEHETONGXIAOLIJIWUQUANXIAOLI?http://www.kwm.com/zh/cn/knowledge/insights/effectiveness-of-contracts-and-property-rights-of-the-sale-and-purchase-of-houses-20180509

    [11]SIWEI、XIAOFENG: DANBAOFASHIWUZHAJI: DANBAOJIUFENCAIPANSILUJINGJIE,ZHONGGUOFAZHICHUBANSHIJIAN: 2019NIAN3YUEBAN。

    [12]《ZUIGAORENMINFAYUANGUANYUSHENLIMINJIANJIEDAIANJIANSHIYONGFALVRUOGANWENTIDEGUIDING》DI2KUAN: ANZHAOMINJIANJIEDAIFALVGUANXISHENLIZUOCHUDEPANJUESHENGXIAOHOU,JIEKUANRENBULVXINGSHENGXIAOPANJUEQUEDINGDEJINQIANZHAIWU,CHUJIERENKEYISHENQINGPAIMAIMAIMAIHETONGBIAODEWU,YICHANGHAIZHAIWU。JIUPAIMAISUODEDEJIAKUANYUYINGCHANGHAIJIEKUANBENXIZHIJIANDECHAE,JIEKUANRENHUOZHECHUJIERENYOUQUANZHUZHANGFANHAIHUOBUCHANG。

    [13]《ZUIGAORENMINFAYUANMINSHISHENPANDIERTINGFAGUANHUIYIJIYAO: ZHUIXUNCAIPANBEIHOUDEFALI》YISHUZHONGRENWEI“WOGUO《WUQUANFA》MINGQUEJINZHILIUZHI(HUOLIUYA),JINZHIDIYAQUANRENZAIZHAIWULVXINGQIXIANJIEMANQIANYUDIYARENYUEDINGZHAIWURENBULVXINGZHAIWUSHIDIYACAICHANGUIZHAIQUANRENXIANGYOU,YIBIMIANZHAIQUANRENCHENGZHAIWURENZHIJIPOERLANYONGQIYOUSHIDIWEI,TONGGUOYADIDANBAOWUJIAZHIDEFANGSHIHUOQUBAOLI。”

    [14]《ZUIGAORENMINFAYUANGUANYUSHENLIMINJIANJIEDAIANJIANSHIYONGFALVRUOGANWENTIDEGUIDING》DI24TIAODI2KUANGUIDING: “ANZHAOMINJIANJIEDAIFALVGUANXISHENLIZUOCHUDEPANJUESHENGXIAOHOU,JIEKUANRENBULVXINGSHENGXIAOPANJUEQUEDINGDEJINQIANZHAIWU,CHUJIERENKEYISHENQINGPAIMAIMAIMAIHETONGBIAODEWU,YICHANGHAIZHAIWU。JIUPAIMAISUODEDEJIAKUANYUYINGCHANGHAIJIEKUANBENXIZHIJIANDECHAE,JIEKUANRENHUOZHECHUJIERENYOUQUANZHUZHANGFANHAIHUOBUCHANG。”ANZHAOGAISIFAJIESHISUOSHU,ZAIZHAIWURENBULVXINGZHAIWUSHI,ZHAIQUANRENJINYOUSHENQING“PAIMAI”YIZHONGTUJING。ZAIZHAIWULVXINGQIXIANJIEMANZHAIWUWEIHUOQINGCHANGDEQINGKUANGXIA,WULUNDANBAOWUSHIFOUYIJINGWANCHENGZHUANYIDENGJI,ZHAIQUANRENBINGBUNENGZHIJIEQUDEDANBAOWUSUOYOUQUAN,ERSHIXUYAOTONGGUO“PAIMAI”QINGSUANDANBAOWUDEJIAZHI。

    [15]《WUQUANFA》DIYIBAIJIUSHIWUTIAODUIYUDIYAWUDECHUZHIGUIDINGDESHI: ZHAIWURENBULVXINGDAOQIZHAIWUHUOZHEFASHENGDANGSHIRENYUEDINGDESHIXIANDIYAQUANDEQINGXING,DIYAQUANRENKEYIYUDIYARENXIEYIYIDIYACAICHANZHEJIAHUOZHEYIPAIMAI、BIANMAIGAIDIYACAICHANSUODEDEJIAKUANYOUXIANSHOUCHANG。

    [16] ZUIGAORENMINFAYUAN(2018)ZUIGAOFAMINZHONG119HAOMINSHIPANJUESHU,QIZHONGRENWEI“YIBANERYAN,RANGYUDANBAOYOUGUISHUQINGSUANXINGHECHUFENQINGSUANXINGLIANGZHONGSHIXIANFANGSHI,QIANZHEZHIRANGYUDANBAOQUANRENJIANGBIAODEWUYUYIGONGZHENGGUJIA,BIAODEWUGUJIARUGUOCHAOGUODANBAOZHAIQUANSHUEDE,CHAOGUOBUFENDEJIAEYINGJIAOHAIJIRANGYUDANBAOSHEDINGREN,BIAODEWUSUOYOUQUANYOURANGYUDANBAOQUANRENQUDE;HOUZHEZHIRANGYUDANBAOQUANRENJIANGBIAODEWUYUYIPAIMAI、BIANMAI,YIMAIDEJIAJINYONGYIQINGCHANGZHAIWU,RUYOUYUEZEFANHAIJIZHAIWUREN,JUTICAIQUHEZHONGSHIXIANFANGSHI,KEYOUDANGSHIRENYIYISIBIAOSHIYIZHIXUANZE。”

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