本文選題：資產(chǎn)收益權(quán) + 債權(quán)收益權(quán)��； 參考：《北京郵電大學(xué)》2017年碩士論文

【摘要】：隨著金融創(chuàng)新的大力開展,與“收益權(quán)”有關(guān)的融資業(yè)務(wù)獲得極大的發(fā)展,從最初的利用基礎(chǔ)設(shè)施收益權(quán)進行融資,到目前的利用債權(quán)收益權(quán)進行融資,收益權(quán)融資業(yè)務(wù)已經(jīng)發(fā)展出豐富的交易產(chǎn)品和復(fù)雜的交易模式。但關(guān)于收益權(quán)的性質(zhì)問題在法律中一直沒有明確的認定,收益權(quán)融資中的債權(quán)收益權(quán)發(fā)展迅速,但債權(quán)收益權(quán)的內(nèi)涵、法律效力、法律關(guān)系、交易結(jié)構(gòu)等問題在法律中都沒有明確規(guī)定,該領(lǐng)域的理論研究也較為匱乏。債權(quán)收益權(quán)融資涉及的資金規(guī)模越來越大,該領(lǐng)域一旦出現(xiàn)糾紛如何化解是法學(xué)界亟需研究的問題。本文通過對實務(wù)中的收益權(quán)融資案例進行整理,從融資實務(wù)倒推相關(guān)的法律制度。筆者認為收益權(quán)的法律性質(zhì)應(yīng)定性為廣義的債權(quán),其內(nèi)容包括現(xiàn)實債權(quán)和將來債權(quán)。由于“收益權(quán)”這一概念最初并非法學(xué)研究的產(chǎn)物,不能以其字面含義去理解其法律內(nèi)涵,在債權(quán)收益權(quán)融資中“收益權(quán)”的內(nèi)涵并不限于基礎(chǔ)資產(chǎn)項下的收益或孳息,而是可能包括基礎(chǔ)資產(chǎn)項下所有的未來流入資金。債權(quán)收益權(quán)轉(zhuǎn)讓也并非是轉(zhuǎn)讓人將擁有的收益權(quán)進行讓與,而是通過簽訂合同的形式在轉(zhuǎn)讓人與受讓人之間建立起一項新的債權(quán)債務(wù)關(guān)系。通過對幾類典型的債權(quán)收益權(quán)融資業(yè)務(wù)分析可以發(fā)現(xiàn)融資中多采用“轉(zhuǎn)讓加回購”的交易模式,這種交易通常打著收益權(quán)轉(zhuǎn)讓之名行借貸之實,很大程度上存在規(guī)避監(jiān)管的嫌疑。目前開展的債權(quán)收益權(quán)融資實踐存在一系列法律問題,筆者結(jié)合近期銀監(jiān)會對信貸資產(chǎn)收益權(quán)轉(zhuǎn)讓的規(guī)定,認為我國應(yīng)從完善收益權(quán)領(lǐng)域的立法、設(shè)立投資人分類管理制度,建立收益權(quán)轉(zhuǎn)讓備案制度等方面完善債權(quán)收益權(quán)融資業(yè)務(wù)。
[Abstract]:With the vigorous development of financial innovation, the financing business related to "income right" has been greatly developed, from the initial use of infrastructure income right to financing, to the current use of creditor's right to finance. Profit right financing business has developed a wealth of trading products and complex trading models. However, the nature of income right has not been clearly recognized in the law. The income right of creditor's rights in income right financing develops rapidly, but the connotation, legal effect and legal relationship of income right of creditor's rights. Trade structure and other issues are not clearly stipulated in the law, and the theoretical research in this field is relatively scarce. The funds involved in the financing of creditor's rights are becoming larger and larger. Once disputes arise in this field, how to resolve them is a problem that needs to be studied in the field of law. This paper puts forward the relevant legal system from financing practice through sorting out the case of profit right financing in practice. The author thinks that the legal nature of income right should be characterized as generalized creditor's right, which includes realistic creditor's right and future creditor's right. Because the concept of "income right" is not the product of legal research at first, it can not be understood by its literal meaning. The connotation of "income right" is not limited to the proceeds or fruits under the basic assets in the financing of creditor's rights. It could include all future inflows under underlying assets. The transfer of the proceeds of creditor's rights is not the assignment of the right of proceeds owned by the assignor, but the establishment of a new creditor's debt relationship between the assignor and the assignee through the signing of a contract. Through the analysis of several typical creditor's right financing business, we can find that the transaction mode of "transfer plus repurchase" is often used in financing, and this kind of transaction usually borrows in the name of income right transfer. To a large extent, there is a suspicion of circumvention. At present, there are a series of legal problems in the practice of creditor's right to profit financing. In combination with the recent regulations of CBRC on the transfer of income right of credit assets, the author thinks that China should set up a classified management system of investors from the perspective of perfecting the legislation in the field of income right. Establish the income right transfer record system and improve the income right financing business.
【學(xué)位授予單位】：北京郵電大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D923.2;D922.28

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