我国供应链融资中动产质押的法律风险及对策研究

发布时间：2018-04-13 10:51

本文选题：物流融资 + 动产质押　；参考：《湖南师范大学》2014年硕士论文

【摘要】：供应链融资是指商业银行将供应链中的企业作为一个整体。根据供应链中的行业特点和经营状况,为供应链中的企业提供一整套的金融融资服务,包括动产质押、权利质押、信用担保等一系列物权担保模式,相比于传统的融资担保条件,供应链融资的担保成本更低,对需要融资的中小企业也没有传统担保那样严苛的条件,受到了供应链中的中小企业亲睐,特别是其中的动产质押业务,盘活了拥有大量库存的中小企业的流动资金,并且已经发展成为商业银行增长较快的业务板块之一。但是,由于我国《担保法》和《物权法》等法律、法规发展的滞后和本身所具有的缺陷,使供应链融资动产质押业务在实践操作中而临着潜在的法律风险,并且将会严重制约着这项业务的快速发展,进而影响到我国经济的健康和稳定。笔者以《担保法》和《物权法》为主要法律基础,结合《合同法》以及《担保法解释》的相关法律规定,着重研究供应链融资业务中动产质押的法律风险问题,简略的介绍了我国供应链融资动产质押的概念、运作模式和防范我国供应链融资动产质押法律风险的意义。在客观分析动产质押法律风险的基础上,根据法律风险产生的原因,将供应链融资中动产质押的法律风险分为质权有效性风险、质权优先受偿性受阻的风险、质权实现的风险、质物价值不确定的风险等,最后结合自己所学的法学理论和供应链融资知识,初步的提出了如下具体对策：如完善我国的动产物权担保制度,严格对物流企业的管理,规范质物转移占有,加强法律审查等。希望这些建议能够对我国供应链融资业务的发展有所帮助。
[Abstract]:Supply chain financing refers to commercial banks in the supply chain of enterprises as a whole. According to the supply chain in the industry characteristics and operating conditions, to provide financial services for the financing of a set of enterprises in the supply chain, including the chattel mortgage, pledge, credit guarantee and a series of property guarantee mode, compared to the traditional the financing guarantee conditions, supply chain financing guarantee lower cost, there is no guarantee that the harsh conditions of the traditional financing needs of small and medium enterprises, has been in the supply chain of small and medium-sized enterprises off, especially the chattel mortgage business, revitalize the small and medium-sized enterprises have large stocks of liquidity, and has become one of the the rapid growth of the business sector of commercial banks. However, due to China's "guarantee law" and "property law and other laws and regulations >, defect development lag and the supply chain financing pledge Business is facing potential legal risks in practical operation, and will seriously restrict the rapid development of this business, and further affect the health and stability of our economy.
According to the "guarantee law" and "property law" as the main legal basis, relevant laws and regulations of the contract law > > and < > interpretation of the guarantee law, focuses on the legal problems of the supply chain financing business risk of chattel mortgage, briefly introduces the concept of China's supply chain financing, chattel mortgage, mode of operation and the prevention of China's supply chain financing, chattel mortgage legal risk significance. Based on the objective analysis of chattel mortgage legal risk, according to the causes of legal risks, the legal risks in supply chain financing pledge of movables is divided into effective risk priority pledge, pledge risk is risk, the realization of the right the uncertain matter value risk, finally according to the theory of supply chain financing and legal knowledge of their own learning, preliminary countermeasures are put forward as follows: improving real estate guarantee system in our country, the logistics enterprises strictly It is hoped that these suggestions can help the development of the supply chain financing business in China.

【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923.2;D923.6

【参考文献】