摘要： 《物权法》规定了抵押权人可以向法院请求拍卖和变卖抵押财产，但是如何申请、具体适用何种程序申请未予明确，使实体上的权利无法获得司法程序的保障。域外立法关于担保权实现的程序主要有诉讼裁判、申请拍卖和非讼裁判三种模式。现阶段我国采用非讼裁判模式具有必要性和可行性，符合程序正当和高效的要求，也具备相应的理论基础。同时，根据我国强制执行程序的现状，应当在裁定程序中强化对债务人的程序保障。

关键词: 担保物, 拍卖, 执行名义, 非讼程序

Abstract: China’s Real Rights Law merely regulates that mortgagee may move court to auction and sell the mortgaged property, but it’s still indistinct how to apply and what procedure to follow, so that it is difficult to protect the substantial rights through certain judicial procedures. According to foreign legislations, there are three models concerning the procedure realizing security interest: applying adjudgement by contentious procedure，applying for directly auction and acquring executive basis by non-contentious procedure. At the present stage, it’ s essential and feasible for China to adopt the model of non-contentious procedure. It satisfies with the requirements of efficient, economic and justice procedure. It also has relevant theoretical basis and legislative guarantee. Meanwhile, according to Chinese current enforcement procedure, we should pay more attention to the procedure safe-guards for the debtor in the ruling process.

Key words: Security Interest, Auction, Title of Execution, Non-Contentious Procedure