【摘要】：我國(guó)一直努力拓寬中小企業(yè)融資平臺(tái),為實(shí)體經(jīng)濟(jì)提供融資渠道。然而中小企業(yè)所特有的擔(dān)保物缺乏造成了中小企業(yè)融資難的尷尬局面。而通過(guò)境外金融模式的引進(jìn),應(yīng)收賬款擔(dān)保融資無(wú)疑為解決中小企業(yè)融資難開啟了一扇門。我國(guó)《物權(quán)法》亦對(duì)應(yīng)收賬款質(zhì)押作出了規(guī)定,一定程度上為應(yīng)收賬款擔(dān)保融資業(yè)務(wù)在我國(guó)的發(fā)展明確了法律地位。然而,由于我國(guó)目前應(yīng)收賬款擔(dān)保融資法律制度的缺陷引致實(shí)踐中存在種種問(wèn)題,應(yīng)收賬款的界定不明確、公示制度不健全、應(yīng)收賬款擔(dān)保權(quán)利實(shí)現(xiàn)制度不完善、基礎(chǔ)權(quán)利瑕疵以及因基礎(chǔ)交易合同一方或雙方當(dāng)事人惡意產(chǎn)生之風(fēng)險(xiǎn)等,均令中小型金融機(jī)構(gòu)對(duì)開展應(yīng)收賬款擔(dān)保融易業(yè)務(wù)存有疑慮,并且難以拓寬應(yīng)收賬款融資業(yè)務(wù)品種,以致令融資申請(qǐng)人對(duì)應(yīng)收賬款融資的熱情減卻。通過(guò)對(duì)境外應(yīng)收賬款的界定、擔(dān)保公示制度、擔(dān)保權(quán)利實(shí)現(xiàn)制度以及應(yīng)收賬款擔(dān)保融資的法律監(jiān)管進(jìn)行研究,利用對(duì)比分析的方法以求對(duì)我國(guó)應(yīng)收賬款擔(dān)保融資風(fēng)險(xiǎn)監(jiān)管制度提出實(shí)質(zhì)有效的建議。
[Abstract]:China has been trying to broaden the financing platform for small and medium-sized enterprises to provide financing channels for the real economy. However, the lack of special collateral for small and medium-sized enterprises makes it difficult for them to raise funds. Through the introduction of overseas financial model, accounts receivable guarantee financing has undoubtedly opened a door to solve the financing difficulties of small and medium-sized enterprises. The property Law of our country also provides the pledge of accounts receivable, to a certain extent, it clarifies the legal status for the development of the guarantee financing business of accounts receivable in our country. However, due to the defects of the current legal system of guarantee financing of accounts receivable in China, there are various problems in practice, the definition of accounts receivable is not clear, the system of publicity is not perfect, and the system of realizing the security rights of accounts receivable is not perfect. The defects of basic rights and the risk of maliciously arising from one party or both parties of the basic transaction contract make small and medium-sized financial institutions have doubts about the development of accounts receivable guarantee and exchange business, and it is difficult to broaden the range of accounts receivable financing business. So that financing applicants for accounts receivable financing enthusiasm decreased. Through the definition of overseas accounts receivable, the public security system, the realization of security rights and the legal supervision of accounts receivable financing, By using the method of comparative analysis, this paper puts forward some effective suggestions on the supervision system of the guarantee financing risk of accounts receivable in our country.
【學(xué)位授予單位】：暨南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D923.2;D923.6

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