本文選題：保證金 + 質(zhì)押金錢�。� 參考：《中國政法大學(xué)》2015年碩士論文

【摘要】：信貸類業(yè)務(wù)是銀行及類似機構(gòu)的資產(chǎn)業(yè)務(wù),近幾年保證金安排日益普遍、爭議多發(fā),而目前僅中間業(yè)務(wù)所涉保證金之質(zhì)押效力有專門的司法解釋規(guī)定,最高人民法院制定的《擔保法》司法解釋的第85條的規(guī)定成為司法機關(guān)判斷保證金是否構(gòu)成有效質(zhì)押的主要依據(jù)。而第85條的表述較為抽象,而實踐中保證金一般均是由出質(zhì)人在銀行機構(gòu)開戶存放,保證金的存放措施沒有統(tǒng)一的標準。本文分為三大部分論述保證金的法律問題:首先是分析我國目前關(guān)于保證金質(zhì)押的理論,以美國、日本為例介紹國外相應(yīng)制度;根據(jù)司法解釋頒布以來的案例并結(jié)合業(yè)務(wù)開展狀況,將保證金類型化為三類:借款人或關(guān)聯(lián)方提供的保證金、擔保公司提供的保證金、房貸或其他類按揭業(yè)務(wù)售方保證金。其次,結(jié)合116則樣本案例對保證金的業(yè)務(wù)操作中的行為節(jié)點、司法裁判的認定觀點進行了分析,在分析業(yè)務(wù)特點的同時展示司法裁判的一般觀點及其分歧所在;并聯(lián)系目前流行的保證金質(zhì)押構(gòu)成的三要件說,對保證金質(zhì)押中的要件進行了剖析,提出了現(xiàn)行法制下使得保證金構(gòu)成有效質(zhì)押的操作建議。最后一部分是對保證金質(zhì)押的制度現(xiàn)狀的批判性反思,其中,針對制度本身,本文指出保證金質(zhì)押的制度應(yīng)當廢除,當前的保證金質(zhì)押應(yīng)當并入特戶質(zhì)押或封金的范疇。長遠來看,無論是保證金質(zhì)押還是特戶質(zhì)押的規(guī)定都是在存款所有權(quán)說的立法背景下建立起來的,是否從動產(chǎn)質(zhì)押轉(zhuǎn)移到權(quán)利質(zhì)押取決于我國何時重新對存款進行法律定性。本文提出近年的保證金安排盛行現(xiàn)象背后,“保證金池”的安排是其精髓和活力所在,應(yīng)當正視這一需求,引入擔保信托的法律關(guān)系以促進其規(guī)范發(fā)展;另外,本文對保證金質(zhì)押配套的公示制度、并行的存單質(zhì)押制度的建設(shè)也提出了完善意見。
[Abstract]:Credit business is the asset business of banks and similar institutions. In recent years, margin arrangements have become increasingly common and controversial. At present, only the pledge effect of the margin involved in intermediate business has a special judicial interpretation provision. The provisions of Article 85 of the Judicial interpretation made by the Supreme people's Court become the main basis for the judicial organs to judge whether the margin constitutes an effective pledge. The expression of Article 85 is abstract, and in practice, the deposit is generally deposited by the mortgagor in the bank institution, and there is no uniform standard for the deposit measure of the deposit. This article is divided into three parts to discuss the legal issues of margin: firstly, it analyzes the current theory of margin pledge in China, taking the United States and Japan as examples to introduce the corresponding foreign system; According to the cases since the promulgation of the judicial interpretation and combined with the situation of business development, the type of margin is classified into three categories: the margin provided by the borrower or related party, the margin provided by the guarantee company, the margin of the seller of mortgage or other types of mortgage. Secondly, combined with 116 sample cases, this paper analyzes the behavior node in the operation of the margin and the viewpoint of the judicial decision, and shows the general views of the judicial decision and their differences while analyzing the characteristics of the business. In connection with the three elements of the security pledge which is popular at present, this paper analyzes the elements in the guarantee pledge, and puts forward some operational suggestions to make the margin constitute an effective pledge under the current legal system. The last part is a critical reflection on the current situation of the system of margin pledge. In view of the system itself, this paper points out that the system of margin pledge should be abolished, and the current security pledge should be incorporated into the category of special deposit pledge or sealed gold. In the long run, whether the pledge of deposit or the pledge of special account is established under the legislative background of the ownership of deposit, whether the pledge of movable property is transferred to the pledge of rights depends on when the legal characterization of the deposit is re-established in our country. This paper points out that behind the prevailing phenomenon of margin arrangement in recent years, the arrangement of "margin pool" is its essence and vitality. We should face up to this demand and introduce the legal relationship of guarantee trust to promote its normative development. This paper also puts forward some suggestions on the construction of the public announcement system and the parallel deposit pledge system.
【學(xué)位授予單位】：中國政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D923

【參考文獻】

相關(guān)期刊論文 前2條

1 趙可星;論保證金擔保[J];法律適用;1999年05期

2 魏修建;劉霞;丁偉;;我國擔保業(yè)市場結(jié)構(gòu)及區(qū)域競爭格局演變研究[J];經(jīng)濟問題探索;2013年04期

，

本文編號：1894585