摘 要出于对债务人的保护及遵循民法的基本原则，中国在法制与法治建设过程中对流质条款始终保持严格管控，但在实践中，存在不经过拍卖、变卖的直接用物偿还债务的情况。 流质条款随着社会的发展，其弊端在下降，优势反而越明显，担保权的实现需要较高的成本，但流质制度在一定程度上减少实现担保物权的所需要的成本，能够保障债权人债权的顺利兑现，所以对流质条款的解禁应提上日程。 流质合同是当事人意愿自治的体现，法律严格管控不合时宜。为了平衡当事人之间的权益，担保物的价值溢余担保债权的，将溢余部分返还担保人。 当担保债权清偿不足时，债务人继续履行清偿义务。 同时为保护担保权人的利益，流质合同经登记才能取得对抗第三方的效力。关键词：流质条款；买卖式担保；卖与担保；民诉法解释ABSTRACTIn order to embody the principle of fair and equivalent compensation in civil law and safeguard the interests of the debtor, the legislation of our country prohibits the provision of liquid quality, but it is still adopted in practice, and the debt is repaid by goods without auction or sale. The liquidity clause does not necessarily prejudice the interests of the guarantor, other creditors of the guarantor and the State, the realization of the security right requires a high price, and the liquidity contract can reduce the cost of the implementation of the security interest and can guarantee the creditor's claim to the greatest extent possible. This makes the prohibition of fluids extremely unreasonable. The fluid contract is the embodiment of the party's autonomy, and the law should not interfere too much.Keywords：Fluid clause；Sale and sale guarantee；Interpretation of the Law of Appeal；Sales and guarantees 目 录第一章 引言.............................................................................................................................1第二章 流质条款的概述.......................................................................................................
