融資性票據(jù)法律問題研究
發(fā)布時間：2019-01-09 17:09
【摘要】：融資性票據(jù)指的是沒有真實(shí)的貿(mào)易背景,專為融通資金而簽發(fā)的票據(jù)。融資性票據(jù)在我國的實(shí)踐中大量的存在,這種票據(jù)將票據(jù)的信用功能與融資功能發(fā)揮到極致。但是,在我國目前法制環(huán)境下,這種沒有真實(shí)交易背景的票據(jù)是不合法的。主要就是我國《票據(jù)法》第10條的關(guān)于“真實(shí)交易背景”的規(guī)定。這個規(guī)定是對票據(jù)無因性的限制,將票據(jù)關(guān)系與票據(jù)基礎(chǔ)關(guān)系綁定在一起,是與國際的普遍做法相違背的,因此,應(yīng)該修改立法,確立完整的無因性制度,為我國融資性票據(jù)制度的建立掃清障礙。 本文旨在通過對融資性票據(jù)的理論和實(shí)踐的考察,對國外先進(jìn)經(jīng)驗(yàn)的借鑒,提出了構(gòu)建我國融資性票據(jù)法律制度的建議。 文章一共分為四個部分： 第一部分從融資性票據(jù)的概念入手,概括其特征,劃分其類型,對融資性票據(jù)進(jìn)行界定,并分析了其與真實(shí)性票據(jù)的區(qū)別。然后,說明了建立融資性票據(jù)法律制度的必要性。 第二部分是對國外的考察,主要選取了兩大法系中比較有代表性的美國和德國及我國的臺灣地區(qū)。分別從它們的立法情況、市場現(xiàn)狀、資信評估體系、以及交易機(jī)構(gòu)等方面進(jìn)行研究,并且對它們進(jìn)行了比較,期待能夠?yàn)槲覈娜谫Y性票據(jù)制度的建設(shè)提供建議。 第三部分著眼我國現(xiàn)狀,并分析當(dāng)前在我國建立融資性票據(jù)制度的障礙�，F(xiàn)狀是現(xiàn)實(shí)中融資性票據(jù)的大量存在與立法禁止的尷尬,障礙是《票據(jù)法》第10條的有因性規(guī)定以及一些相關(guān)的障礙,如風(fēng)險監(jiān)管的落后、沒有專營的交易機(jī)構(gòu)、信用評估的不完善以及信息披露的不對稱等。 第四部分在前文分析的基礎(chǔ)上,立足我國的實(shí)際,提出了構(gòu)建我國融資性票據(jù)法律制度的建議。主要是修改《票據(jù)法》第10條,取消“真實(shí)交易背景”的規(guī)定,承認(rèn)融資性票據(jù)的合法地位,完善信用評估制度,健全風(fēng)險監(jiān)督機(jī)制,建立票據(jù)專營機(jī)構(gòu)以及完善信息披露制度等。
[Abstract]:A financing note is a note issued specifically for the purpose of financing without a true trade background. There are a lot of financing instruments in our country, which bring the credit function and financing function to the extreme. However, in the current legal environment of our country, this kind of bill with no real transaction background is illegal. It is mainly about the "real transaction background" in Article 10 of the Bill Law of our country. This regulation is a restriction on the non-causality of the bill, binds the bill relation with the bill basic relation, and is contrary to the universal international practice. Therefore, the legislation should be amended to establish a complete system of non-causality. It will clear the way for the establishment of financing bill system in our country. The purpose of this paper is to study the theory and practice of financing instruments, and to draw lessons from foreign advanced experience, and put forward some suggestions to construct the legal system of financing instruments in China. The article is divided into four parts: the first part begins with the concept of financing instruments, summarizes its characteristics, divides its types, defines financing instruments and analyzes the differences between them and authentic instruments. Then, it explains the necessity of establishing the legal system of financing instruments. The second part is the investigation of foreign countries, mainly select the two major legal systems of the more representative of the United States and Germany and China's Taiwan region. Respectively from their legislative situation, market status, credit evaluation system, and trading institutions and other aspects of the study, and the comparison of them, hoping to provide suggestions for the construction of our country's financing instruments system. The third part focuses on China's current situation and analyzes the obstacles to the establishment of financing instruments in China. The present situation is that a large number of financing instruments exist in reality and are embarrassed by the prohibition of legislation. The obstacles are the causative provisions of Article 10 of the negotiable Instruments Law and some related obstacles, such as the backward supervision of risks and the absence of specialized trading agencies. The imperfection of credit evaluation and the asymmetry of information disclosure. In the fourth part, based on the above analysis and based on the reality of our country, the author puts forward some suggestions to construct the legal system of financing bills in our country. It is mainly to amend Article 10 of the negotiable Instruments Law, cancel the provision of "real transaction background," recognize the legal status of financing instruments, perfect the credit evaluation system, and improve the risk supervision mechanism. The establishment of the bill franchise and the improvement of information disclosure system and so on.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D922.287
本文編號：2405897
[Abstract]:A financing note is a note issued specifically for the purpose of financing without a true trade background. There are a lot of financing instruments in our country, which bring the credit function and financing function to the extreme. However, in the current legal environment of our country, this kind of bill with no real transaction background is illegal. It is mainly about the "real transaction background" in Article 10 of the Bill Law of our country. This regulation is a restriction on the non-causality of the bill, binds the bill relation with the bill basic relation, and is contrary to the universal international practice. Therefore, the legislation should be amended to establish a complete system of non-causality. It will clear the way for the establishment of financing bill system in our country. The purpose of this paper is to study the theory and practice of financing instruments, and to draw lessons from foreign advanced experience, and put forward some suggestions to construct the legal system of financing instruments in China. The article is divided into four parts: the first part begins with the concept of financing instruments, summarizes its characteristics, divides its types, defines financing instruments and analyzes the differences between them and authentic instruments. Then, it explains the necessity of establishing the legal system of financing instruments. The second part is the investigation of foreign countries, mainly select the two major legal systems of the more representative of the United States and Germany and China's Taiwan region. Respectively from their legislative situation, market status, credit evaluation system, and trading institutions and other aspects of the study, and the comparison of them, hoping to provide suggestions for the construction of our country's financing instruments system. The third part focuses on China's current situation and analyzes the obstacles to the establishment of financing instruments in China. The present situation is that a large number of financing instruments exist in reality and are embarrassed by the prohibition of legislation. The obstacles are the causative provisions of Article 10 of the negotiable Instruments Law and some related obstacles, such as the backward supervision of risks and the absence of specialized trading agencies. The imperfection of credit evaluation and the asymmetry of information disclosure. In the fourth part, based on the above analysis and based on the reality of our country, the author puts forward some suggestions to construct the legal system of financing bills in our country. It is mainly to amend Article 10 of the negotiable Instruments Law, cancel the provision of "real transaction background," recognize the legal status of financing instruments, perfect the credit evaluation system, and improve the risk supervision mechanism. The establishment of the bill franchise and the improvement of information disclosure system and so on.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D922.287
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