【摘要】：我國一直努力拓寬中小企業(yè)融資平臺,為實體經濟提供融資渠道。然而中小企業(yè)所特有的擔保物缺乏造成了中小企業(yè)融資難的尷尬局面。而通過境外金融模式的引進,應收賬款擔保融資無疑為解決中小企業(yè)融資難開啟了一扇門。我國《物權法》亦對應收賬款質押作出了規(guī)定,一定程度上為應收賬款擔保融資業(yè)務在我國的發(fā)展明確了法律地位。然而,由于我國目前應收賬款擔保融資法律制度的缺陷引致實踐中存在種種問題,應收賬款的界定不明確、公示制度不健全、應收賬款擔保權利實現(xiàn)制度不完善、基礎權利瑕疵以及因基礎交易合同一方或雙方當事人惡意產生之風險等,均令中小型金融機構對開展應收賬款擔保融易業(yè)務存有疑慮,并且難以拓寬應收賬款融資業(yè)務品種,以致令融資申請人對應收賬款融資的熱情減卻。通過對境外應收賬款的界定、擔保公示制度、擔保權利實現(xiàn)制度以及應收賬款擔保融資的法律監(jiān)管進行研究,利用對比分析的方法以求對我國應收賬款擔保融資風險監(jiān)管制度提出實質有效的建議。
[Abstract]:China has been trying to broaden the financing platform for small and medium-sized enterprises to provide financing channels for the real economy. However, the lack of special collateral for small and medium-sized enterprises makes it difficult for them to raise funds. Through the introduction of overseas financial model, accounts receivable guarantee financing has undoubtedly opened a door to solve the financing difficulties of small and medium-sized enterprises. The property Law of our country also provides the pledge of accounts receivable, to a certain extent, it clarifies the legal status for the development of the guarantee financing business of accounts receivable in our country. However, due to the defects of the current legal system of guarantee financing of accounts receivable in China, there are various problems in practice, the definition of accounts receivable is not clear, the system of publicity is not perfect, and the system of realizing the security rights of accounts receivable is not perfect. The defects of basic rights and the risk of maliciously arising from one party or both parties of the basic transaction contract make small and medium-sized financial institutions have doubts about the development of accounts receivable guarantee and exchange business, and it is difficult to broaden the range of accounts receivable financing business. So that financing applicants for accounts receivable financing enthusiasm decreased. Through the definition of overseas accounts receivable, the public security system, the realization of security rights and the legal supervision of accounts receivable financing, By using the method of comparative analysis, this paper puts forward some effective suggestions on the supervision system of the guarantee financing risk of accounts receivable in our country.
【學位授予單位】：暨南大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D923.2;D923.6

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