论融资租赁合同中出租人权利保障制度的改进

发布时间：2018-04-11 18:45

本文选题：出租人 + 融资租赁　；参考：《浙江大学》2017年硕士论文

【摘要】：融资租赁是一种集融资和融物,兼顾金融与贸易双重特质的金融模式,一经出现就表现出强大的生命力,在民航、通信、能源等基础设施建设和众多企业的技术改造方面都提供了强大的融资渠道,因直接对接实体经济,能有效防止金融泡沫的产生,这种融资方式备受推崇,是现代金融领域的朝阳产业。但近年来,随着融资租赁业的迅速发展,租赁企业的业务风险业逐步暴露。"三年风险积累,五年风险暴露,七年形成损失"的"七年之痒"的说法,在船舶、钢铁等行业已经出现征兆,各种问题横生。其中比较严重的就是对出租人权利保护的不到位,使其面临的风险要远大于其获得的利益,严重挫伤了其积极性。出租人作为推动融资租赁业发展的生力军,其权利的保护关乎融资租赁业的长久发展,必须引起重视。本文就是从保护融资租赁出租人权利的角度出发,发现问题,找出原因,并借鉴别国做法,结合本国实际提出自己的建议。本文除引言、结语外,正文共分三大部分,文章结构如下:其中引言介绍了写作背景和写作意义。正文第一部分,由融资租赁的典型案例引入,阐述出租人权利保护的现状及其面临的潜在风险,包括物的风险、违约风险、第三人善意取得租赁物之风险、承租人破产风险等,并分析风险产生的原因,以期更好地解决问题。正文第二部分,基础理论。理论指导实践,具体有国内外对"融资租赁"的内涵分析,融资租赁关系法律性质的理论认识与评析,融资租赁合同的法律性质、特征和法律构造,融资租赁合同中出租人的权利义务分析。正文第三部分,从融资租赁合同中出租人权利保障的角度出发,分析其在现行的制度和法律法规环境下,在借鉴国际经验的同时,寻求适合我国出租人权利的救济方法:如构建我国融资租赁登记制度,完善我国融资租赁物取回权制度,改进我国融资租赁物取回权制度和出租人债权保护制度,引进强制保险度等,希望为今后的立法在出租人权利保护方面提供一些有意义的参考。
[Abstract]:Financial leasing is a kind of financial model that combines financing and finance, and takes into account the dual characteristics of finance and trade. Once it appears, it shows strong vitality in civil aviation and communications.The construction of infrastructure such as energy and the technological transformation of many enterprises have provided powerful financing channels. This financing method is highly regarded as a direct link to the real economy, which can effectively prevent the emergence of financial bubbles.It is the sunrise industry in the field of modern finance.But in recent years, with the rapid development of the financing leasing industry, the business risk industry of the leasing enterprises is gradually exposed. "Three years of risk accumulation, five years of risk exposure, seven years of loss, "seven-year itch" expression, in ships, steel and other industries have appeared signs, all kinds of problems.The more serious one is that the lessor's right protection is not in place, and the risk it faces is far greater than the benefit it obtains, which seriously dampens its enthusiasm.As a new force to promote the development of financial leasing industry, the protection of lessor's rights is related to the long-term development of financing leasing industry, and must be paid attention to.From the point of view of protecting the rights of financial lessors, this paper finds out the problems, finds out the causes, and draws lessons from the practices of other countries and puts forward its own suggestions.In addition to the introduction and conclusion, the text is divided into three parts. The structure of the article is as follows: the introduction introduces the writing background and significance.The first part of the text, introduced by a typical case of financial lease, expounds the current situation of the protection of the lessor's rights and the potential risks it faces, including the risk of property, the risk of breach of contract, the risk of the third party acquiring the lease item in good faith, the risk of the lessee's bankruptcy, etc.And analyze the causes of risk, in order to better solve the problem.The second part of the text, basic theory.The theoretical guidance and practice include the analysis of the connotation of "financial lease" at home and abroad, the theoretical understanding and evaluation of the legal nature of the financial lease relationship, the legal nature, characteristics and legal structure of the financial lease contract.The analysis of the lessor's rights and obligations in the financial lease contract.The third part of the text, from the perspective of the protection of the lessor's rights in the financial lease contract, analyzes its current system, laws and regulations, while drawing lessons from international experience.Seeking the relief methods suitable for the right of lessor in our country, such as constructing the registration system of financial lease in our country, perfecting the system of taking back the right of financing lease in our country, improving the system of taking back the right to take back the right of financing lease in our country and the system of protection of lessor's creditor's rights.The introduction of compulsory insurance and so on, hoping to provide some meaningful reference for the future legislation in the protection of lessor's rights.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.6

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