论我国独立担保制度的现状和完善路径

发布时间：2018-05-31 12:33

本文选题：独立担保 + 独立性　；参考：《中国政法大学》2010年硕士论文

【摘要】： 随着经济发展的日益市场化和国际化,资金的流动和担保更加密不可分,担保在民商事交易中扮演着越来越重要的角色。在一国之内,鉴于担保法律制度的同一性和共同的司法制度,当事人选择担保方式并不会带来额外的交易成本,亦不存在制度上的障碍。但是,在国际商事交易中,如果选择一国国内的担保制度以保障权利实现,个中所产生的交易成本、法律制度冲突、管辖权冲突将成为制约担保功能实现的瓶颈,当事人必须对其中涉及的问题和风险给予充分的防范和注意。独立担保作为一种创新的担保方式,兼具传统的担保功能和独立抽象的特征,在债权保障方面具有独特优势,因此自上个世纪六十年代出现以来不断发展,逐渐成为了各国银行的重要业务和利润增长点之一。本文研究的基本思路是,首先对独立担保的概念、各种形式、属性分类等基本情况进行梳理,以便明晰本文的研究对象和范畴。其次,对独立担保所涉及到的民商法基本理论进行分析,以便考察该独立担保在民商法理论体系中的地位,以及与其他制度的衔接关系。进而,本文转入了对我国立法现状的研究,并在此基础上,对我国理论界关于国内独立担保的争议进行探讨,以求证独立担保制度的合理性。之后,本文对我国独立担保制度的司法现状进行了研究。在对独立担保制度从理论和实践的双重视角进行研究之后,笔者试图提出完善我国独立担保制度的途径和建议。在第一章中,笔者对独立担保的基本情况进行了概说,追溯了独立担保产生和发展的原因和过程,对其概念和内涵进行了阐释,对其各种形式进行了总结和归纳,并对本文的研究对象进行了综述。在第二章中,笔者对独立担保的相关基本理论进行探讨,包括独立性的含义,独立性与从属性的关系、独立性与无因性的关系,并在此基础上对独立性的实现途径进行了总结。在第三章中,笔者重点阐述了我国独立担保制度的立法现状,并对由此产生的解释争议进行了思考,并对国内独立担保所面临的理论争议进行了分析和讨论,对独立担保可否藉由当事人意思自治、是否导致权利失衡以及能否有效保护当事人利益等问题进行逐一探讨,并提出自己的观点。在第四章中,笔者基于精心收集的国内独立担保重要案例,较为系统的阐述了我国国内独立担保的司法实践现状,对司法实践中出现的问题进行了论述,对国内独立担保司法实践的困境进行了分析论证。在第五章中,基于本文对独立担保的理论和实践问题进行的论述,笔者探讨了我国独立担保法律制度的完善途径,提出完善独立担保欺诈例外制度的建议。最后,笔者对本文的观点进行总结,并得出研究结论。
[Abstract]:With the increasingly marketization and internationalization of economic development, the flow of funds and guarantee are more and more inseparable, guarantee plays an increasingly important role in civil and commercial transactions. Within a State, given the identity of the legal system of security and the common judicial system, the parties' choice of security does not entail additional transaction costs and there is no institutional obstacle. However, in international commercial transactions, if a country's domestic security system is chosen to guarantee the realization of rights, the transaction cost, the conflict of legal system and the conflict of jurisdiction will become the bottleneck restricting the realization of security function. The parties concerned must pay adequate attention to the problems and risks involved. As an innovative way of guarantee, independent guarantee has both traditional security function and independent abstract features, and has unique advantages in the protection of claims, so it has been developing continuously since its emergence in the sixties of the last century. Has gradually become one of the important business and profit growth point of the banks of various countries. The basic idea of this paper is to sort out the concept of independent guarantee, various forms, attribute classification and so on, in order to clarify the research object and category of this paper. Secondly, the basic theory of civil and commercial law involved in independent guarantee is analyzed in order to investigate the position of independent guarantee in the system of civil and commercial law and its connection with other systems. On the basis of this, the author probes into the dispute about independent guarantee in our country, in order to prove the rationality of the independent guarantee system. After that, this article has carried on the research to our country independent guarantee system judicature present situation. After studying the independent guarantee system from the perspective of theory and practice, the author tries to put forward ways and suggestions to perfect the independent guarantee system in our country. In the first chapter, the author generalizes the basic situation of independent guarantee, traces the cause and process of the emergence and development of independent guarantee, explains its concept and connotation, and summarizes its various forms. The research object of this paper is summarized. In the second chapter, the author discusses the basic theories of independent guarantee, including the meaning of independence, the relationship between independence and subordinate attribute, the relationship between independence and non-cause, and summarizes the ways to realize independence. In the third chapter, the author focuses on the legislative status of the independent guarantee system in China, and gives some thoughts on the interpretation disputes arising therefrom, and analyzes and discusses the theoretical disputes faced by the independent guarantee system in China. This paper discusses whether the independent guarantee can lead to the imbalance of rights through party autonomy and whether it can effectively protect the interests of the parties, and puts forward its own views. In the fourth chapter, based on the carefully collected important cases of independent guarantee in China, the author systematically expounds the current situation of the judicial practice of independent guarantee in China, and discusses the problems in the judicial practice. This paper analyzes and demonstrates the dilemma of domestic independent guarantee judicial practice. In the fifth chapter, based on the discussion of the theory and practice of independent guarantee, the author discusses the ways to perfect the legal system of independent guarantee in China, and puts forward some suggestions to perfect the exception system of independent guarantee fraud. Finally, the author summarizes the views of this paper, and draws a conclusion.
【学位授予单位】：中国政法大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D923

【引证文献】