本文選題：保理 + 國際保理��； 參考：《華東政法大學(xué)》2014年碩士論文

【摘要】：保理作為一種新興的金融交易結(jié)算方式，以其獨(dú)特的結(jié)算方式，集合了資金融通、進(jìn)口商資信評估、銷售賬戶管理、信用風(fēng)險擔(dān)保、賬款催收等一系列服務(wù)的綜合金融服務(wù)方式為一身，為人們提供相關(guān)的服務(wù)。我國的保理業(yè)務(wù)正在火熱的開展，也日益成為人們青睞的焦點(diǎn)。據(jù)相關(guān)數(shù)據(jù)統(tǒng)計，自2014年以來，單天津?yàn)I海新區(qū)，已經(jīng)有9家商業(yè)保理企業(yè)相繼成立，其中銀利、盛業(yè)、信達(dá)港灣商業(yè)保理有限公司等企業(yè)注冊資本都超過1億元，據(jù)新區(qū)商務(wù)委相關(guān)負(fù)責(zé)人介紹，截至2014年4月，新區(qū)已有112家商業(yè)保理企業(yè)落戶，其中外商投資商業(yè)保理企業(yè)40家，注冊資本達(dá)6.99億美元；內(nèi)資商業(yè)保理企業(yè)72家，注冊資本達(dá)59.32億美元，通用電氣、蘇寧、神州數(shù)碼等大型商業(yè)保理有限公司紛紛在新區(qū)設(shè)立。1可見我國商業(yè)保理發(fā)展的速度是如此的驚人。 保理業(yè)務(wù)在我國起步的時期較晚，是在上世紀(jì)的90年代開始的，當(dāng)時作為我國保理業(yè)務(wù)先鋒者的中國銀行，將目光瞄準(zhǔn)在保理業(yè)務(wù)這個龐大的市場，努力進(jìn)取，與保理規(guī)制發(fā)展較為先進(jìn)的國家交流經(jīng)驗(yàn)，，并且成為了國際保理商聯(lián)合會中的一名成員，從此我國的保理發(fā)展就此起步。 保理業(yè)務(wù)中有許多服務(wù)項(xiàng)目，但首當(dāng)其沖的是其核心的業(yè)務(wù)，即應(yīng)收賬款的轉(zhuǎn)讓，在現(xiàn)實(shí)的保理業(yè)務(wù)中，往往會由于保理商與其他應(yīng)收賬款上的權(quán)利人對于該筆應(yīng)收賬款的受償發(fā)生權(quán)利的沖突。但因?yàn)楦鲊鹑诜绞健⑸虡I(yè)運(yùn)營以及立法程度的差異，在權(quán)利沖突時如何確定優(yōu)先受償?shù)捻樞虼嬖诓煌挠^念；再加之相關(guān)的規(guī)制保理的法律尚未有統(tǒng)一的規(guī)定，大多數(shù)保理適用的法律法規(guī)都是根據(jù)本國法律中關(guān)于民法或商法的具體條文轉(zhuǎn)化適用的，因此，當(dāng)遇到保理應(yīng)收賬款轉(zhuǎn)讓權(quán)利沖突時，如何確定各權(quán)利人之間的優(yōu)先受償順序，即保理應(yīng)收賬款轉(zhuǎn)讓的優(yōu)先權(quán)，也就成為解決應(yīng)收賬款轉(zhuǎn)讓相關(guān)問題的焦點(diǎn)之一。 本文作者便是以應(yīng)收賬款優(yōu)先權(quán)問題為基礎(chǔ)，通過國際保理交易中對于保理應(yīng)收賬款優(yōu)先權(quán)的解決方法進(jìn)行分析，結(jié)合我國相關(guān)法律法規(guī)的具體設(shè)定，提出適用我國具體國情的應(yīng)收賬款轉(zhuǎn)讓優(yōu)先權(quán)的確定機(jī)制，從而對我國保理業(yè)務(wù)應(yīng)當(dāng)如何更好地開展提出自己的建議。 本文的第一章為保理中應(yīng)收賬款的概念概述。筆者在第一節(jié)對保理在概念上進(jìn)行定義；在第二節(jié)介紹應(yīng)收賬款轉(zhuǎn)讓與保理的關(guān)系，主要通過保理中應(yīng)收賬款的性質(zhì)、應(yīng)收賬款轉(zhuǎn)讓是保理的核心業(yè)務(wù)之一這兩個方面進(jìn)行闡述。本文第二章分析保理中應(yīng)收賬款轉(zhuǎn)讓優(yōu)先權(quán)的處理，第一節(jié)介紹保理中應(yīng)收賬款轉(zhuǎn)讓的法律關(guān)系；第二節(jié)提出應(yīng)收賬款轉(zhuǎn)讓中優(yōu)先權(quán)沖突的具體問題，對優(yōu)先權(quán)沖突有更直觀的了解；第三節(jié)通過介紹國際貿(mào)易中對應(yīng)收賬款轉(zhuǎn)讓優(yōu)先權(quán)沖突問題解決機(jī)制，對第二節(jié)提出的相關(guān)問題在國際貿(mào)易中如何解決進(jìn)行分析，并且在國際貿(mào)易中相關(guān)公約規(guī)則的基礎(chǔ)上，轉(zhuǎn)化為各國國內(nèi)法律適用的情形，即應(yīng)收賬款轉(zhuǎn)讓優(yōu)先權(quán)沖突規(guī)則各國具體適用。本文第三章是對國內(nèi)面臨應(yīng)收賬款轉(zhuǎn)讓優(yōu)先權(quán)沖突問題的現(xiàn)狀進(jìn)行分析，結(jié)合我國當(dāng)前保理的形勢以及我國國內(nèi)立法的相關(guān)規(guī)定，對應(yīng)收賬款轉(zhuǎn)讓優(yōu)先權(quán)沖突解決方式進(jìn)行理論上的分析。本文第四章則是在第三章分析的基礎(chǔ)之上，提出適用于我國保理業(yè)務(wù)開展的相關(guān)法律法規(guī)的建議，從而完善我國保理業(yè)務(wù)的法律規(guī)制。
[Abstract]:As a new financial transaction settlement mode, factoring, with its unique way of settlement, it integrates financial services, importer credit assessment, sales account management, credit risk guarantee, account collection and a series of comprehensive financial services for people to provide related services. The factoring business of our country is burning hot. According to the statistics, since 2014, 9 Commercial factoring enterprises have been set up one after another in Tianjin Binhai New Area, including the silver, the Sheng industry, the XinDa Hong Kong Bay Commercial factoring Co., Ltd. and other enterprises registered capital of more than 100 million yuan, according to the relevant person in charge of the new business committee of the New District, as of April 2014, There are 112 commercial factoring companies in the new area, including 40 Commercial factoring enterprises with foreign investment, registered capital of $699 million, 72 domestic commercial factoring enterprises, and a registered capital of 5 billion 932 million US dollars. General Electric, Suning, Shenzhou digital and other large commercial factoring companies have set up.1 to see the development of our commercial factoring in the new area. The speed is so amazing.
Factoring business started late in China. It began in the 90s of the last century. At that time, the Bank of China, the pioneer of factoring business in China, aimed at the bulky market of factoring business, worked hard, developed more advanced country experience with factoring regulation, and became an international factoring Federation. Since then, a member of our country has started its factoring development.
There are many services in the factoring business, but the most important thing is the core business, that is, the transfer of accounts receivable. In the real factoring business, it often conflicts with the rights of the debtors and other rights holders on the accounts receivable, but because of the financial ways, business operations and legislation of various countries. The difference in degree is that there are different ideas on how to determine the order of priority in the conflict of rights; and the relevant laws and regulations on the regulation of factoring have not yet been unified. Most of the laws and regulations applicable to the factoring are applied in accordance with the specific articles of the civil law or commercial law in the national law. When the transfer rights of accounts are conflicting, how to determine the priority of each right person's priority, that is, the priority of the transfer of the account receivable, is one of the focus of solving the problems related to the transfer of accounts receivable.
On the basis of the priority of accounts receivable, the author analyzes the solution to the priority of factoring accounts receivable in international factoring transactions, and combines the specific setting of relevant laws and regulations in China, and puts forward the determination mechanism of the priority of the transfer of accounts receivable which is applicable to the specific national conditions of our country, so that the factoring business of our country should be applied. When how to better carry out the proposal of your own.
The first chapter of this article is an overview of the concept of accounts receivable in factoring. In the first section, the author defines the concept of factoring; the second section introduces the relationship between accounts receivable transfer and factoring, mainly through the nature of accounts receivable in factoring, the transfer of accounts receivable is one of the two aspects of the core business of factoring. This article second Chapter 1 analyzes the treatment of the transfer priority of accounts receivable in factoring. The first section introduces the legal relationship of accounts receivable transfer in factoring; the second section puts forward specific problems of the conflict of priority in the transfer of accounts receivable, and has a more intuitive understanding of the conflict of priority; the third section introduces the conflict of priority conflicts in the transfer of accounts receivable in international trade. On the basis of the relevant convention rules of international trade, the problem solving mechanism is analyzed in the second section, and on the basis of relevant convention rules in international trade, it is translated into the application of domestic laws, that is, the rules of the conflict of priority conflicts of accounts receivable are used specifically. The third chapter is about the transfer of accounts receivable in China. In this paper, the fourth chapter is based on the analysis of the third chapter on the basis of the analysis of the third chapter, and puts forward the relevant law applicable to the factoring business of our country. Suggestions on laws and regulations, so as to perfect the legal regulation of factoring in China.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D923.6

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