本文選題：銀信理財(cái)合作業(yè)務(wù) + SOT模式　； 參考：《華僑大學(xué)》2015年碩士論文

【摘要】：銀信理財(cái)合作是指銀行將理財(cái)計(jì)劃項(xiàng)下的資金交付信托,由信托公司擔(dān)任受托人并按照信托文件的約定進(jìn)行管理、運(yùn)用和處分的行為。2006年,一款由民生銀行發(fā)行的信托公司與銀行合作的理財(cái)產(chǎn)品,開啟了銀信合作的潘多拉之盒。銀信理財(cái)合作業(yè)務(wù)逐漸異化為商業(yè)銀行“信貸資產(chǎn)出表”的通道,該項(xiàng)業(yè)務(wù)在我國(guó)迅速發(fā)展。2009年開始,監(jiān)管部門頻頻出臺(tái)政策限制銀信理財(cái)合作業(yè)務(wù)。然而,銀信理財(cái)合作業(yè)務(wù)并沒有銷聲匿跡,而是在實(shí)踐中不斷演變出新的模式,監(jiān)管套利現(xiàn)象屢禁不止。本文通過分析認(rèn)為銀信理財(cái)合作業(yè)務(wù)存在法律性質(zhì)不明、信息披露不充分、損失分擔(dān)機(jī)制不明確等問題。并且,該業(yè)務(wù)具有監(jiān)管套利的特點(diǎn),大量資金經(jīng)過層層包裝流入房地產(chǎn)、地方融資平臺(tái)等長(zhǎng)期限、高風(fēng)險(xiǎn)領(lǐng)域。資金在金融機(jī)構(gòu)形成空轉(zhuǎn),增加了融資成本,嚴(yán)重干擾了國(guó)家宏觀調(diào)控政策,對(duì)其進(jìn)行監(jiān)管具有現(xiàn)實(shí)的意義。在對(duì)銀信理財(cái)合作業(yè)務(wù)監(jiān)管過程中,暴露出監(jiān)管規(guī)則混亂、監(jiān)管手段粗暴、監(jiān)管效率低下等問題,筆者據(jù)此提出應(yīng)當(dāng)加強(qiáng)投資者權(quán)益保護(hù)和改革銀信理財(cái)合作業(yè)務(wù)法律監(jiān)管制度等建議。全文結(jié)構(gòu)如下:第一章介紹銀信理財(cái)合作業(yè)務(wù)的內(nèi)容和存在的問題。SOT模式是目前實(shí)踐中銀信理財(cái)合作業(yè)務(wù)的典型模式。通過對(duì)SOT模式的交易結(jié)構(gòu)和法律關(guān)系進(jìn)行剖析,認(rèn)為銀信理財(cái)合作業(yè)務(wù)存在法律性質(zhì)不明、信息披露不充分、損失分擔(dān)機(jī)制不明確等問題。第二章以銀信理財(cái)合作業(yè)務(wù)法律監(jiān)管演變和內(nèi)容作為研究對(duì)象。本章對(duì)相關(guān)監(jiān)管法律法規(guī)、規(guī)章和規(guī)范性文件進(jìn)行縱向梳理,并對(duì)所涉及的具體條款進(jìn)行細(xì)致的橫向比較,總結(jié)出銀信理財(cái)合作業(yè)務(wù)監(jiān)管存在三個(gè)問題:監(jiān)管規(guī)則混亂導(dǎo)致法律權(quán)威削弱、監(jiān)管手段粗暴反映出行政權(quán)力濫用、分業(yè)監(jiān)管下的監(jiān)管套利。第三章就完善銀信理財(cái)合作業(yè)務(wù)法律監(jiān)管提出具體建議。包括加強(qiáng)投資者權(quán)益保護(hù)和改革銀信理財(cái)合作業(yè)務(wù)監(jiān)管制度。加強(qiáng)投資者權(quán)益保護(hù)應(yīng)當(dāng)建立信息披露制度、明確損失分擔(dān)機(jī)制和完善受益人大會(huì)制度;改革銀信理財(cái)合作業(yè)務(wù)監(jiān)管制度應(yīng)當(dāng)轉(zhuǎn)變監(jiān)管理念、健全金融法律體系和強(qiáng)化監(jiān)管協(xié)調(diào)措施。
[Abstract]:Bank-trust financial cooperation refers to the bank's behavior of delivering the funds under the financial management plan to the trust, the trust company acting as the trustee and managing, applying and disposing of the funds in accordance with the agreement of the trust documents. 2006, A wealth-management product issued by Minsheng Bank, a trust company working with banks, opened the Pandora's box. The banking and credit management cooperation business gradually dissimilated into the channel of "credit assets out of the table" of commercial banks, which developed rapidly in our country. Since 2009, the supervision department has frequently issued policies to restrict the banking and credit management cooperation business. However, banking and banking cooperation business has not disappeared, but has evolved a new model in practice, regulatory arbitrage phenomenon repeatedly prohibited. This paper points out that there are some problems such as unclear legal nature, inadequate disclosure of information and unclear mechanism of loss sharing. Moreover, the business has the characteristics of regulatory arbitrage, a large number of funds flow through layers of packaging into real estate, local financing platforms and other long-term, high-risk areas. Funds in financial institutions form idling, increase financing costs, seriously interfere with the national macro-control policies, the supervision of its practical significance. In the process of supervising the banking and credit management and cooperation business, the problems have been exposed, such as the confusion of the supervision rules, the rough means of supervision, the low efficiency of supervision, and so on. Accordingly, the author puts forward some suggestions such as strengthening the protection of investors' rights and interests and reforming the legal supervision system of banking and banking cooperation business. The structure of the paper is as follows: the first chapter introduces the content and existing problems of banking cooperation business. The SOT model is a typical mode of banking cooperation business in practice at present. Based on the analysis of the transaction structure and legal relationship of the SOT model, it is concluded that there are some problems such as unclear legal nature, inadequate information disclosure and unclear loss sharing mechanism. The second chapter focuses on the evolvement and content of banking and financial cooperation business. This chapter combs the relevant regulatory laws, regulations and normative documents vertically, and makes a detailed horizontal comparison of the specific provisions involved. It concludes that there are three problems in the supervision of banking cooperation business: the confusion of supervision rules leads to the weakening of the legal authority, the means of supervision roughly reflect the abuse of administrative power, and the regulatory arbitrage under the separate supervision. The third chapter puts forward some concrete suggestions to perfect the legal supervision of bank-trust financial cooperation business. This includes strengthening the protection of investors' rights and interests and reforming the banking and credit management cooperation business supervision system. In order to strengthen the protection of investors' rights and interests, we should establish information disclosure system, clarify the mechanism of loss sharing and perfect the system of beneficiary meeting, and reform the supervision system of banking and banking cooperation business. Improve the financial legal system and strengthen regulatory coordination measures.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28

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