国际保理制度研究
发布时间：2018-08-15 16:56
【摘要】： 国际保理是在国际贸易实践中产生和发展起来的一种集贸易融资、商业资信调查、销售分户账管理、应收账款催收、坏账担保等内容为一体的综合性金融业务品种。随着国际贸易中买方市场的形成和赊销(O/A)、承兑交单(D/A)、网上交易(B2B)等新的交易方式的出现,国际保理的应用范围日益广泛。仅就结算方式而言,据联合国贸易发展中心统计数据显示,在发达国家的国际贸易结算中,国际保理的应用量早已超越信用证、托收等传统的贸易结算方式,并呈逐年上升趋势。与此形成鲜明对比的是,我国国际保理业务的发展目前仍处于探索起步阶段,据FCI统计,2005年我国国际保理业务总量为16.8亿欧元,不仅无法与欧美发达国家相比,即使在亚洲也只排在第三位,业务量仅为香港地区的1/2,不足台湾地区的1/7。这种状况与我国国际贸易大国的地位是极不相衬的,与国际贸易的发展潮流也是相背的。究其原因,其中既有国内相关法律法规不健全、保理法律环境不完善的因素,也有相关理论研究相对薄弱,专业人才缺乏的因素,还有受我国国际贸易传统习惯影响,贸易实务界热衷于传统的结算方式,对新兴的国际保理业务了解不全面、认识不够深入等观念方面的影响。 基于上述认识,本文从廓清国际保理的历史发展脉络入手,从民商法的角度,对国际保理的基本概念、特点优势、操作流程、法律性质等进行逐一辨析界定,对国际保理的主体及其相互间法律关系、应收账款转让与相关权利的冲突、国际保理中的主要风险进行分析,提出解决对策,同时运用比较的方法,对国际保理的主要国际、国内法律源渊及主要国家的国际保理法律机制进行归纳介绍,在此基础上,立足于我国国内法律环境,就我国国际保理业务的发展现状、制约因素作深入分析判断,并以完善保理立法为重点,对我国国际保理业务的发展对策提出建议。
[Abstract]:International factoring is a kind of comprehensive financial business which is produced and developed in the practice of international trade such as trade financing, commercial credit investigation, sales sub-account management, collection of accounts receivable, guarantee of bad debts and so on. With the formation of buyer's market in international trade and the emergence of new trading methods, such as O / A, D / A and B2B, the application of international factoring is becoming more and more extensive. As far as settlement methods are concerned, according to the statistics of the United Nations Trade Development Centre, in the international trade settlement of developed countries, the application of international factoring has long exceeded the traditional trade settlement methods such as letters of credit, collection, etc. And the trend is rising year by year. By contrast, the development of China's international factoring business is still in the initial stage of exploration. According to FCI statistics, the total amount of China's international factoring business in 2005 was 1.68 billion euros, which is not only unable to compare with the developed countries in Europe and the United States. Even in Asia, it ranks third, with only a quarter of the volume of business in Hong Kong, less than a quarter of a percent in Taiwan. This situation is incompatible with the status of our country as a major international trading country and the development trend of international trade. The reasons include the imperfect domestic laws and regulations, the imperfect legal environment of factoring, the relatively weak theoretical research, the lack of professional personnel, and the influence of the traditional customs of China's international trade. The trade practice is keen on the traditional settlement method, and its influence on the new international factoring business is not comprehensive and the understanding is not deep enough. Based on the above understanding, this paper begins with the historical development of international factoring, and from the angle of civil and commercial law, analyzes and defines the basic concept, characteristic advantages, operation flow and legal nature of international factoring one by one. This paper analyzes the subjects of international factoring and their mutual legal relations, the conflict between the transfer of accounts receivable and related rights, and the main risks in international factoring, and puts forward some countermeasures to solve the problems. At the same time, by using the method of comparison, the author analyzes the main international factors of international factoring. The domestic legal source and the international factoring legal mechanism of the main countries are summarized and introduced. On this basis, based on the domestic legal environment of our country, the author makes an in-depth analysis and judgment on the current development situation and restrictive factors of the international factoring business in China. With the emphasis on perfecting factoring legislation, suggestions on the development of China's international factoring business are put forward.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2005
【分类号】：D996
[Abstract]:International factoring is a kind of comprehensive financial business which is produced and developed in the practice of international trade such as trade financing, commercial credit investigation, sales sub-account management, collection of accounts receivable, guarantee of bad debts and so on. With the formation of buyer's market in international trade and the emergence of new trading methods, such as O / A, D / A and B2B, the application of international factoring is becoming more and more extensive. As far as settlement methods are concerned, according to the statistics of the United Nations Trade Development Centre, in the international trade settlement of developed countries, the application of international factoring has long exceeded the traditional trade settlement methods such as letters of credit, collection, etc. And the trend is rising year by year. By contrast, the development of China's international factoring business is still in the initial stage of exploration. According to FCI statistics, the total amount of China's international factoring business in 2005 was 1.68 billion euros, which is not only unable to compare with the developed countries in Europe and the United States. Even in Asia, it ranks third, with only a quarter of the volume of business in Hong Kong, less than a quarter of a percent in Taiwan. This situation is incompatible with the status of our country as a major international trading country and the development trend of international trade. The reasons include the imperfect domestic laws and regulations, the imperfect legal environment of factoring, the relatively weak theoretical research, the lack of professional personnel, and the influence of the traditional customs of China's international trade. The trade practice is keen on the traditional settlement method, and its influence on the new international factoring business is not comprehensive and the understanding is not deep enough. Based on the above understanding, this paper begins with the historical development of international factoring, and from the angle of civil and commercial law, analyzes and defines the basic concept, characteristic advantages, operation flow and legal nature of international factoring one by one. This paper analyzes the subjects of international factoring and their mutual legal relations, the conflict between the transfer of accounts receivable and related rights, and the main risks in international factoring, and puts forward some countermeasures to solve the problems. At the same time, by using the method of comparison, the author analyzes the main international factors of international factoring. The domestic legal source and the international factoring legal mechanism of the main countries are summarized and introduced. On this basis, based on the domestic legal environment of our country, the author makes an in-depth analysis and judgment on the current development situation and restrictive factors of the international factoring business in China. With the emphasis on perfecting factoring legislation, suggestions on the development of China's international factoring business are put forward.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2005
【分类号】：D996
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