我国商业银行开展国内保理业务若干法律问题研究

发布时间：2018-05-12 04:49

本文选题：商业银行 + 国内保理　；参考：《武汉大学》2005年硕士论文

【摘要】：本文共分为九章。第一章首先简要介绍了国际标准的保理业务的概念以及起源及发展情况,国际保理运行的现状。第二章主要介绍我国各家商业银行所开展的国内保理业务的基本概念和实践中的分类,并且就各家商业银行所操作的国内保理的规程及要点作了简要的介绍和分析。本文的重点阐述了在我国民商法理论以及《中华人民共和国合同法》的规定基础上,探讨了我国商业银行现行开展的国内保理业务的几个问题。其中第三章探讨了国内保理的法律实质,针对现有的观点结合操作实际分析了国内保理的法律基础是债权转让,另外在第五章中特别针对现有的关于有追索权国内保理业务的法律性质的几种观点逐一进行分析,得出有追索权国内保理的法律性质仍然是债权转让,而非债权质押。在第四章中对有关国内保理的应收帐款债权转让中的几个问题进行了分析,其中包括:应收帐款债权的可转让性、转让的有效性等。在接下来的第六章中对国内保理中的追索权问题进行了分析,包括了无追索权国内保理中的追索权问题、有追索权国内保理的回购责任问题以及追索权的范围和时间等问题。在第七章中对国内保理中的付款环节的问题进行阐述,包括应收帐款的付款方的义务、应收帐款转让中卖方的义务以及应收帐款付款方在付款过程中的抵消权等问题。接下来从法律的角度,在第八章阐述了了商业银行开展国内保理业务所面临的法律风险以及可以采取的风险防范措施,在论文最后对商业银行开展国内保理提出一些建议。
[Abstract]:This article is divided into nine chapters. The first chapter first briefly introduces the concept of international factoring and its origin and development, the status of international factoring operation. The second chapter mainly introduces the basic concepts and categories of domestic factoring business carried out by various commercial banks in China, and the countries operating by commercial banks. The regulations and key points of internal factoring are briefly introduced and analyzed.
On the basis of the theory of civil and commercial law in China and the provisions of the contract law of People's Republic of China, this paper discusses several problems of domestic factoring in China's commercial banks. The third chapters discuss the legal essence of domestic factoring, and analyze the domestic factoring law in view of the actual point of view and the actual operation of the domestic banks. The law is based on the transfer of creditor's rights. In addition, in the fifth chapter, the legal nature of the existing domestic factoring business with recourse is analyzed in particular, and the legal nature of the right of recourse to domestic factoring is still the transfer of claims, not the pledge of claims. In the fourth chapter, the transfer of the accounts receivable of the relevant domestic factoring is transferred. Some of the problems are analyzed, including the transferability of the debt receivable and the validity of the transfer. In the following sixth chapters, the problem of recourse in domestic factoring is analyzed, including the right of recourse in the domestic factoring without recourse, the issue of repurchase responsibility of the recourse to domestic factoring and the recourse. In the seventh chapter, the problems of the payment link in the domestic factoring are expounded, including the obligations of the payer of the accounts receivable, the obligation of the seller in the assignment of accounts receivable and the right to offset the payment of the accounts receivable during the payment process.
Then from the angle of law, in the eighth chapter, the legal risk and the risk prevention measures for commercial banks to carry out domestic factoring business are expounded. At the end of the paper, some suggestions are put forward for commercial banks to carry out domestic factoring.

【学位授予单位】：武汉大学
【学位级别】：硕士
【学位授予年份】：2005
【分类号】：D923;D922.28

【引证文献】