本文關(guān)鍵詞：美國保理業(yè)務分析　出處：《吉林大學》2013年碩士論文　論文類型：學位論文

  更多相關(guān)文章： 保理 國際保理 業(yè)務運作 法律制度 國際保理商聯(lián)合會

【摘要】：隨著全球化經(jīng)濟的發(fā)展，國際間的貿(mào)易與服務往來交易頻繁，國內(nèi)經(jīng)濟高速增長，賣方市場向買方市場的轉(zhuǎn)變，賒銷已經(jīng)成為貿(mào)易和服務最主要的結(jié)算方式。保理業(yè)務因為能解決賒銷結(jié)算存在的兩個最主要的問題和困難，即資金融通周轉(zhuǎn)和買方信用風險擔保，，近些年得到跨越式發(fā)展。中國于二十世紀80年代引入保理的概念，在1992年中國銀行北京分行與美國鷹獅保理公司簽署了保理協(xié)議后，保理業(yè)務正式在我國落地，拉開了歷史的序幕。經(jīng)過二十年的發(fā)展，2012年，中國大陸的保理業(yè)務量達到4500億美元，繼2011年以來繼續(xù)保持全球第一的地位。然而在高速增長的背后，我們看到，國內(nèi)商業(yè)信用體系的不盡完善、與保理業(yè)務相關(guān)的法律法規(guī)的缺乏、監(jiān)管部門的制度規(guī)定不到位等問題，已經(jīng)成為我國保理業(yè)務健康有序發(fā)展的極大問題和最大障礙。 美國是保理業(yè)務的起源地，經(jīng)過幾百年歷史的發(fā)展和變化，目前在保理業(yè)務方面已經(jīng)擁有的成熟的運作模式以及完善的法律體系。在美國，無論是其國內(nèi)商業(yè)信用體系的基礎(chǔ)建設(shè)、法律環(huán)境和規(guī)章制度、信用風險的控制手段等，都值得我國以及其他各國去研究、思考和學習。雖然近些年來，美國的年保理業(yè)務量一直徘徊在1200億美元左右，甚至在金融危機之后，隨著全球經(jīng)濟增長的放緩出現(xiàn)了下降，但是美國在保理業(yè)務方面擁有的完整的信用數(shù)據(jù)庫、信用風險評估和判別體系、控制和調(diào)整風險政策的的能力，為其健康穩(wěn)定的發(fā)展提供了全面的保障，可以為我國保理業(yè)務建設(shè)和規(guī)范發(fā)展提供有益的引導和經(jīng)驗借鑒。 本文對保理業(yè)務的概念進行了界定，簡要介紹了美國保理業(yè)務的起源、發(fā)展、以及保理業(yè)務類型；通過對各類保理業(yè)務的品種分析，探討了不同保理業(yè)務的風險點；深入分析美國保理的運作流程、運作機制以及其運作過程中所依據(jù)的國際保理業(yè)務通用規(guī)則，研究其風險控制的流程和模式以及其對美國經(jīng)濟的影響；最后從法律體系的三個方面即法律關(guān)系、法律機制、法律要求總結(jié)了美國保理業(yè)務的健康發(fā)展的保障機制。在此基礎(chǔ)上，本文結(jié)合當前我國保理業(yè)務的現(xiàn)狀和特點，借鑒美國保理業(yè)務的操作和運作模式以及法律規(guī)范提出了對健康發(fā)展我國保理業(yè)務的建議。
[Abstract]:With the development of global economy, the international trade and service transactions are frequent, the domestic economy is growing at a high speed, and the seller's market has changed to the buyer's market. Credit sales has become the most important settlement method of trade and service. Factoring business can solve the two most important problems and difficulties in credit settlement, that is, the turnover of funds and the guarantee of buyer's credit risk. In recent years, the concept of factoring was introduced into China in 1980s, after the signing of factoring agreement between Beijing Branch of Bank of China and Gryphon factoring Company in 1992. Factoring business officially landed in China, which opened the historical prelude. After 20 years of development, in 2012, the factoring business volume in mainland China reached 450 billion US dollars. Since 2011, we continue to maintain the status of the first in the world. However, behind the rapid growth, we see that the domestic business credit system is not perfect, and the lack of laws and regulations related to factoring business. The system regulation of supervision department is not in place, which has become the biggest problem and the biggest obstacle to the healthy and orderly development of factoring business in our country. The United States is the origin of factoring business, after hundreds of years of historical development and changes, the current factoring business has had a mature operation model and a sound legal system in the United States. Whether it is the domestic commercial credit system infrastructure, legal environment and rules and regulations, credit risk control means, and so on, are worthy of our country and other countries to study, think and learn, although in recent years. Annual factoring business in the United States has been hovering around $120 billion, even after the financial crisis, as global economic growth slowed down. However, the complete credit database, credit risk assessment and discrimination system, and the ability to control and adjust risk policy have provided a comprehensive guarantee for the healthy and stable development of factoring business in the United States. It can provide useful guidance and experience for the construction and standardization of factoring business in China. This paper defines the concept of factoring business, briefly introduces the origin, development and types of factoring business in America. Through the variety analysis of various factoring business, the risk points of different factoring business are discussed. This paper deeply analyzes the operation process, operation mechanism and general rules of international factoring business, and studies the process and mode of risk control and its impact on American economy. Finally, from three aspects of the legal system, legal relationship, legal mechanism, legal requirements summed up the sound development of the United States factoring business security mechanism. On this basis. According to the current situation and characteristics of factoring business in our country, this paper puts forward some suggestions for the healthy development of factoring business in our country by referring to the operation and operation mode of factoring business in the United States as well as the legal norms.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F837.12

【參考文獻】

相關(guān)期刊論文 前7條

1 王光武,鄭鳴;中外保理業(yè)務的比較和借鑒[J];福建金融;2004年04期

2 韓天嵐;國際保理法律機制探究[J];國際商務研究;2002年05期

3 翁建峰;吳麗華;;國際保理業(yè)務的運作及其風險規(guī)避[J];福建金融;2005年11期

4 肖永平,杜濤;國際保理法律問題初探[J];國際貿(mào)易問題;1998年03期

5 尹利劍;我國國際保理法律機制探究[J];經(jīng)濟經(jīng)緯;2005年05期

6 殷雁雙;保付代理及其涉及的有關(guān)債權(quán)轉(zhuǎn)讓的法律問題及立法比較[J];河北法學;2004年06期

7 林煒;何偉;;國際保理中應收賬款轉(zhuǎn)讓的法律問題探究[J];天府新論;2006年S1期

本文編號：1440033