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出版者:THE PRESS SYNDICATE OF THE UNIVERSITY OF CAMBRIDGE

作者:McCormack, Gerard

出品人:

页数:436

译者:

出版时间:2004-6

价格:$ 183.06

装帧:

isbn号码:9780521826709

丛书系列:

图书标签:

• McCormack
• Gerard
• Secured Transactions
• Credit Law
• Commercial Law
• English Law
• American Law
• Finance
• Property Law
• Debtor-Creditor
• Collateral
• Security Interests

Secured Credit: A Comparative Exploration of English and American Legal Frameworks This book offers a comprehensive and nuanced examination of secured credit transactions as they have evolved within the legal systems of England and the United States. It delves into the fundamental principles that underpin the creation, perfection, priority, and enforcement of security interests, providing readers with a deep understanding of how these crucial mechanisms facilitate commerce and provide essential financial backing. The study is meticulously structured to highlight both the common intellectual heritage and the distinct trajectories of development in each jurisdiction, offering a valuable comparative perspective for legal scholars, practitioners, and students alike. Part I: Foundations of Secured Credit The initial section lays the groundwork by exploring the conceptual underpinnings of secured credit. It begins with an examination of the historical development of pledges and mortgages, tracing their origins and evolution into the modern forms of security. The book then dissects the core rationale for secured credit, emphasizing its role in reducing credit risk, lowering borrowing costs, and stimulating economic activity. Key concepts such as collateral, the debtor, the creditor, and the security interest itself are thoroughly defined and contextualized. Furthermore, the text engages with the economic theories that justify the existence and structure of secured lending, providing an analytical framework for understanding its practical application. This foundational analysis ensures that readers possess a robust grasp of the essential elements before delving into the complexities of each legal system. Part II: Creation of Security Interests This section meticulously details the methods by which security interests are created in both English and American law. It distinguishes between the equitable and legal creation of security interests in England, exploring the formalities required for each, including the intricacies of deeds, charges, and equitable assignments. The book examines the role of registration systems in England, such as those for company charges, and their impact on the enforceability and priority of security. In contrast, the American section focuses on the Uniform Commercial Code (UCC), particularly Article 9, which governs secured transactions. The critical concept of "attachment" – the process by which a security interest becomes enforceable against the debtor – is explained in detail, including the requirements of value, the debtor's rights in the collateral, and a security agreement. The book elaborates on the various types of collateral, such as goods, instruments, accounts, and general intangibles, and the specific rules governing security interests in each category. The nuanced requirements for a valid security agreement, including the importance of a description of the collateral, are thoroughly explored, with numerous illustrative examples. Part III: Perfection of Security Interests The critical process of perfection, which establishes the creditor's rights against third parties, is a central theme in this part. In England, the book examines the various methods of perfection, including possession, control, and registration, depending on the nature of the collateral. The significance of filing a charge with Companies House for corporate debtors is highlighted, alongside the consequences of non-registration. The book also discusses the less formal methods of perfection for certain types of assets and the historical role of physical possession. The American exposition continues with an in-depth analysis of perfection under UCC Article 9. Filing a financing statement with the appropriate state authority is presented as the primary method of perfection for most types of collateral. The book details the requirements for a valid financing statement, including the names of the debtor and secured party, and the description of the collateral. It also addresses alternative perfection methods, such as possession (for certain tangible assets like instruments and negotiable documents) and control (for investment property and deposit accounts), explaining when these methods are permissible and often mandatory. The concept of "perfection by attachment" for certain consumer transactions is also discussed. Part IV: Priority of Security Interests This section tackles the complex issue of priority, determining which of competing security interests or other claims takes precedence over collateral. The English discussion examines the "first in time, first in right" principle and its exceptions, including the impact of registration and specific statutory provisions that grant priority to certain types of claims, such as employee wages or tax debts. The book explores the priority of floating charges and fixed charges, and the rules governing intercreditor agreements and subordination. The American framework under UCC Article 9 is then meticulously detailed. The book explains the general rule that the first secured party to file or perfect its security interest has priority. It explores crucial exceptions, such as purchase-money security interests (PMSIs), which often gain superpriority. The priority rules for different types of collateral, including inventory, equipment, and fixtures, are analyzed, with emphasis on the notice filing system and the protection afforded to buyers of goods. The book also addresses the priority of other competing claims, such as statutory liens and judgment creditors, and the impact of bankruptcy on secured creditor priorities. Part V: Enforcement of Security Interests The final part of the book addresses the crucial stage of enforcement, detailing the rights and remedies available to secured creditors when a debtor defaults. In England, the book outlines the secured creditor's right to take possession of the collateral, sell it, or appoint a receiver. The duties of a secured creditor in possession and during the sale process are examined, emphasizing the requirement to act in good faith and obtain a proper price. The book also discusses the creditor's recourse to legal action for possession or sale. The American analysis focuses on the remedies available under UCC Article 9. The secured creditor's rights to take possession of the collateral "without judicial process" if it can be done without breaching the peace is explained, alongside the alternative of judicial foreclosure. The requirements for commercially reasonable sales of collateral, including notice and conduct of sale, are thoroughly discussed. The book also examines the secured creditor's right to retain collateral in satisfaction of the debt, the rights of junior creditors, and the debtor's rights, such as redemption. Throughout the book, a commitment to clarity and accessibility is maintained. The language is precise, and legal concepts are explained with reference to relevant case law and statutory provisions in both jurisdictions. The comparative approach is consistently maintained, allowing readers to appreciate the subtle but significant differences and commonalities between the two influential legal systems. This work serves as an indispensable resource for anyone seeking to navigate the intricate landscape of secured credit law in England and the United States.

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我必须说，《Secured Credit under English and American Law》这本书，在内容深度和广度上都给我带来了极大的惊喜。作者并非仅仅停留在对常见担保形式的介绍，而是深入探讨了担保信用背后更深层次的法律原则和经济逻辑。他对“衡平法上的留置权”和“法定留置权”的分析，让我理解了不同历史时期和法律传统如何塑造了对债权人利益的保护方式。书中对“优先权”的排序和冲突处理的讨论，是本书的一大亮点。作者通过大量的案例分析，清晰地展示了在复杂的债权债务关系中，如何通过法律规则来维护公平和秩序，以及如何平衡不同利益主体的诉求。我对书中对“善意购买者”和“知情购买者”在确定担保权益有效性方面的处理方式的详细解读，印象尤为深刻。这不仅是法律条文的规定，更是对交易安全和市场效率考量的体现。作者在阐述这些概念时，总是能结合具体的商业场景，让抽象的法律原则变得触手可及。他所展现出的那种对法律制度演进的深刻理解，以及对未来发展趋势的敏锐洞察，使得这本书不仅仅是一本关于当前法律的指南，更是一本关于法律智慧的启示录。

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这是一本让我从根本上重新审视了“信用”这一概念的著作，它并非仅仅是关于抵押品、担保物权的机械罗列，而是深入探讨了信用在法律体系中的哲学根基和演进逻辑。作者巧妙地将英美法系这两个看似独立却又息息相关的法律传统中的信用制度进行了细致入微的比较分析。初读之下，我以为会是枯燥的法律条文解读，然而，事实证明我的担忧是多余的。书中并非简单地罗列判例和法条，而是通过梳理历史脉络，揭示了不同时期社会经济需求如何塑造了信用法的形态。例如，在论述抵押权的发展时，作者不仅介绍了不同类型的抵押，如浮动抵押、设备抵押等，更重要的是，他探讨了这些制度是如何在资本主义早期为了鼓励投资、保障债权人利益而应运而生的。书中对“优先权”的讨论尤其令我印象深刻，这不仅仅是法律上的顺序问题，更是经济学中风险分配和激励机制的体现。作者通过对英美法系中不同优先权规则的对比，让我看到了法律在平衡债权人、债务人以及其他潜在利益相关者之间微妙关系的智慧。他对“信赖”和“预期”这两个概念在信用关系中的作用的论述，更是将法律分析提升到了一个更高的哲学层面，让我思考，法律不仅仅是约束，更是对市场主体行为的引导和对社会契约的维护。这种深刻的洞察力，使得本书远超一本纯粹的法律教科书，它更像是一部关于信任、风险和经济秩序的社会史诗。书中对一些晦涩法律概念的阐释，也力求清晰易懂，虽然涉及专业术语，但作者总能通过恰当的比喻和生动的案例，将复杂的法律逻辑具象化，让我这个非法律专业背景的读者也能领略其精妙之处。

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从这本书的阅读体验来看，作者在内容构建上展现了极高的专业素养和清晰的逻辑思维。《Secured Credit under English and American Law》并非一本枯燥的法律条文汇编，而是一场引导读者深入理解英美法系下信用保障机制的智识之旅。我对书中关于“抵押权”和“质权”在不同经济形态下的发展和演变，进行了深入的分析。这让我看到了法律制度如何随着社会经济的发展而不断调整和完善。我尤其对书中关于“优先权”在破产程序中的具体实现方式，以及在不同类型的资产（如房地产、知识产权、应收账款）上的差异，进行了详细的解读。这不仅让我理解了法律条文的规定，更让我看到了法律在平衡各方利益、维护交易秩序方面的智慧。

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《Secured Credit under English and American Law》这本书，给我最深刻的感受是，它远不止于一本关于担保权益的法律指南，而是一次对英美法系下信用保障机制的深邃解读。作者在书中并没有简单地将英美两国的法律制度进行生硬的并列，而是通过历史的维度和理论的深度，展现了它们之间既有共性又存在独特差异的演进轨迹。我对书中关于“押金”和“保证金”在不同交易场景下的法律定性以及如何影响担保权益的实现，进行了细致的分析。这让我看到了法律在处理不同性质的交易时，是如何通过精妙的分类和界定来维护公平的。我尤其欣赏作者在探讨“担保权益的撤销”和“担保权益的解除”时，所进行的详尽的分析。这不仅仅是法律程序的规定，更是对交易结束后各方权利义务的清晰划分，以及对市场主体信誉的保障。

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对于我来说，《Secured Credit under English and American Law》这本书，与其说是一本关于法律的著作，不如说是一次关于经济秩序和信任机制的深度剖析。作者在书中并没有将英美法系下的担保信用制度割裂开来，而是通过一种动态的视角，展现了它们之间千丝万缕的联系以及各自独特的演进路径。我特别欣赏作者在讨论“法定抵押权”和“约定抵押权”时，对它们产生背景、法律效力以及实现方式的细致比较。这让我能够更清晰地认识到，法律制度的形成并非一蹴而就，而是受到社会经济发展、历史传统以及司法判例的深刻影响。书中对“担保物权”在破产程序中的地位，以及在不同类型破产案件中的实现机制的深入分析，尤其令我获益匪浅。这不仅仅是法律条文的简单堆砌，更是作者对复杂经济困境下法律如何发挥作用的深刻思考。他对“通知”和“登记”在担保权益优先性确定上的重要性的强调，以及对不同国家和地区在此类制度设计上的差异进行对比，让我理解了法律在保障交易安全和维护市场秩序方面的精妙之处。

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《Secured Credit under English and American Law》这本书，给我的最大触动在于，它不仅仅停留在对具体法律条文和判例的描述，而是深刻地剖析了英美法系下担保信用制度背后的哲学思考和经济原理。作者在书中对“信赖”和“预期”在信用关系中的重要性进行了深入的论述，这让我意识到，法律不仅仅是强制性的约束，更是对社会主体之间良性互动和信任关系的构建。我对书中关于“不动产抵押”和“动产抵押”在英美法系下的不同法律地位以及实现方式的详细对比，印象尤为深刻。这让我看到了不同法律传统如何根据经济活动的特点，设计出具有针对性的担保制度。

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《Secured Credit under English and American Law》这本书，与其说是一本关于担保权益的工具书，不如说是一场关于法律智慧的深度探索之旅。作者在构建这本书的架构时，展现了非凡的宏观视野和严谨的微观分析能力。他并非直接跳入各种担保形式的细节，而是先为读者铺垫了一个坚实的理论基础，让我们理解为何英美法系在担保信用领域会发展出如此丰富且多样化的制度。书中对于“所有权保留”和“融资租赁”等概念的比较分析，让我对不同司法管辖区在保护债权人利益的同时，如何兼顾债务人经营灵活性这一难题有了全新的认识。作者并没有简单地将英美两国的制度并列，而是深入剖析了它们在历史演进、社会经济背景以及法律哲学上的差异，并由此解释了为何会在某些担保方式上出现显著的区别。他对“物权效力”和“相对效力”的区分，以及在不同法律环境下如何处理第三方权益的讨论，为我打开了理解破产程序中担保债权人地位的新视角。我尤其欣赏作者在探讨“通知”和“登记”在确立担保权益中的作用时，所进行的细致入微的分析。这不仅仅是程序性的要求，更是法律为了保障交易的透明度和可预见性，以及保护善意第三人而设计的关键机制。书中对这些机制的分析，不仅解释了其法律功能，更揭示了其背后的经济合理性。作者在文字表达上，也力求严谨而又流畅，避免了法律文本常见的枯燥乏味，而是用一种引导性的方式，带领读者逐步深入理解复杂的法律体系。

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从这本书的整体结构和内容编排来看，作者显然投入了巨大的心血，旨在为读者提供一个全面而又深入的英美法系下担保信用的学习体验。他巧妙地将历史沿革、理论建构和实践应用融为一体，使得这本书的内容既有深度又不失广度。我尤其对书中关于“让与担保”和“回购协议”等新兴融资工具的讨论印象深刻。这些内容不仅反映了金融市场的发展趋势，更显示了作者对担保信用法律理论如何适应和回应不断变化的经济实践的深刻洞察。作者在分析这些工具时，并没有停留在法律的表面，而是深入挖掘了它们在实际操作中的风险点，以及司法实践如何应对这些新挑战。他对“无过错破产”和“破产保护”在担保权益实现中的影响的讨论，则让我看到了担保法律制度在面对经济危机时的韧性和适应性。书中对一些经典判例的分析，也并非简单地复述案情，而是着重于揭示判决背后的法律推理和价值取舍，这对于理解法律的演进和原则的形成至关重要。作者在行文中，善于运用比较研究的方法，将英美法系中的不同制度进行对比，从而凸显出各自的优缺点和适用范围。这种跨司法体系的比较，不仅加深了对单一法律体系的理解，更拓宽了读者的视野，让我能够从更宏观的角度审视担保信用的法律框架。

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这本书的出版，无疑为研究英美法系下担保信用的学者和实践者提供了一份宝贵的参考。作者在内容组织上，展现了高超的驾驭能力，将繁杂的法律体系梳理得井井有条。《Secured Credit under English and American Law》并非简单地罗列英美两国的法律条文，而是通过一种比较的视角，深入剖析了它们在担保信用领域的相似之处与差异之处。我对书中关于“质押”和“留置”在不同法律环境下的界定和实现方式的详细分析，让我对这些概念有了更清晰的认识。这不仅仅是法律术语的解读，更是对不同法律体系如何处理债权人与债务人之间权利义务关系的深刻洞察。

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我不得不说，在阅读《Secured Credit under English and American Law》这本书的过程中，我体验到了一种前所未有的智识上的愉悦。作者在内容安排上，并非简单地罗列英美法系下的各种担保权益，而是将其置于一个更广阔的法律和经济背景下进行审视。他对“所有权保留”在不同司法管辖区法律框架下的演变，以及其在实践中可能遇到的挑战的详细阐述，为我提供了一个非常独特的视角。我尤其对书中关于“合同解释”和“法律适用”在担保权益纠纷中的重要性，进行了深入的探讨。这让我意识到，即使是最严谨的法律条文，在面对具体复杂的商业交易时，也需要依靠精妙的解释和合理的适用，才能真正发挥其应有的作用。作者对“融资租赁”和“售后回租”等金融工具的法律分析，让我看到了担保信用法律如何不断适应金融创新的步伐。他对这些工具的风险评估以及法律如何规制这些风险的讨论，都充满了洞察力。

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