摘要： 本条明确了最高额抵押权所担保债权确定的法定情形,当事人可以自由约定债权确定期间。最高额抵押权的目的在于保障债权的实现,不宜对当事人约定的债权确定期间加以限制。在当事人未约定债权确定期间时,抵押权人可随时行使债权确定请求权,抵押人可自最高额抵押权设立之日两年以后行使债权确定请求权,债权确定请求权为形成权。抵押物被查封、扣押的,应当自抵押权人知道或者应当知道该事实时产生债权确定的效果。债务人、抵押人被宣告破产或者解散的,最高额抵押权所担保债权发生确定。在第2项情形下,若当事人行使债权确定请求权,则债权确定,在其他情形下,债权确定情形一经发生,最高额抵押所担保的债权即予以固定。在最高额抵押权所担保债权确定后,最高额抵押权的从属性得以恢复,可随所确定债权的移转而转让。

关键词: 最高额抵押权, 债权确定, 确定期间, 从属性

Abstract: Article 423 of the Civil Code specifies the legitimate circumstances where the creditor's right secured by the maximum mortgage is determined.The parties shall freely agree on the term for determining the creditor's right.There should be no limit in terms of the determine period of maximum mortgage which is meant to secure the exercise of creditor's right.When no determine period agreed, the mortgagee can file a claim to determine the creditor's right at any time.However, the mortgagor is groundless to exercise the right until two years after the maximum mortgage had been created.The determination right is the formation right.If the mortgaged property is seized or detained, the creditor's right will be determined when the mortgagee knew or should have known such fact.Where the debtor or mortgagor has been declared bankrupt or dissolved, the creditor's right shall also be determined.The creditor's right shall be determined in the case of subparagraph (2) if the parties exercised the determine right, while in other subparagraphs, the creditor's right shall be determined if the specified circumstances occurred.Once the creditor's right is determined, the subordination of the maximum mortgage is restored, and the maximum mortgage can be transferred with the transfer of the creditor's right.

Key words: Maximum Mortgage, Determination of Creditor's Right, Determine Period, Subordination