【摘要】：保證金在銀行業(yè)務(wù)中的重要性日益凸顯,銀行實(shí)務(wù)中關(guān)于保證金卻有一些困惑和問(wèn)題亟需厘清。本文提出法律對(duì)保證金的基本規(guī)定籠統(tǒng)且缺陷明顯,先闡明了保證金在性質(zhì)上屬于動(dòng)產(chǎn)質(zhì)押的特例,再分析了銀行設(shè)立保證金質(zhì)押"特定化"與"移交債權(quán)人占有"兩個(gè)構(gòu)成要件,接著提出簽訂準(zhǔn)確、規(guī)范和全面的《保證金質(zhì)押合同》是保證金質(zhì)押有效設(shè)立和使用的關(guān)鍵,最后澄清了質(zhì)權(quán)人銀行可依合同約定直接"扣劃"保證金,并無(wú)違背流質(zhì)契約原則。為了辯明實(shí)務(wù)中不同的認(rèn)識(shí),充分發(fā)揮保證金日益凸顯的重要作用,本文嘗試對(duì)保證金質(zhì)押相關(guān)法律問(wèn)題予以分析,以期對(duì)銀行實(shí)務(wù)工作有所裨益。
[Abstract]:The importance of margin is becoming more and more important in banking business. However, there are some puzzles and problems in banking practice that need to be clarified. This paper puts forward that the basic provisions of the law on the margin are general and the defects are obvious. Firstly, it is clarified that the margin belongs to the special case of the pledge of movable property in nature. Then, the paper analyzes the two constitutive requirements of the bank's establishment of security pledge "specificity" and "transfer creditor's possession", and then puts forward that signing an accurate, standardized and comprehensive "bond pledge contract" is the key to the effective establishment and use of the margin pledge. Finally, it clarifies that the mortgagee bank can directly "deduct" the bond according to the contract agreement, and does not violate the liquid contract principle. In order to identify the different understanding in practice and give full play to the important role of margin, this paper attempts to analyze the legal problems related to the pledge of margin, in order to be of benefit to the practical work of banks.
【作者單位】： 三亞農(nóng)村商業(yè)銀行股份有限公司;英國(guó)布魯內(nèi)爾大學(xué)法學(xué)院;
【分類號(hào)】：D923.2;F832.2
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本文編號(hào)：2241232