本文選題：票據(jù)貼現(xiàn) + 法律性質(zhì)��； 參考：《西南政法大學(xué)》2013年碩士論文

【摘要】：近年來(lái)，我國(guó)商業(yè)銀行票據(jù)貼現(xiàn)業(yè)務(wù)出現(xiàn)了直線上升的發(fā)展勢(shì)頭。值得注意的是，，票據(jù)市場(chǎng)的迅猛發(fā)展，產(chǎn)生了很多潛在的風(fēng)險(xiǎn)，為此國(guó)家多次實(shí)行貨幣緊縮政策，控制票據(jù)融資余額，防止貸款的過(guò)多增長(zhǎng)，監(jiān)管層要求嚴(yán)格控制票據(jù)業(yè)務(wù)的風(fēng)險(xiǎn)，銀行對(duì)于票據(jù)貼現(xiàn)業(yè)務(wù)也持有較為謹(jǐn)慎的態(tài)度，甚至傳出銀人民銀行進(jìn)行了直接的窗口指導(dǎo)，暫停了一批票據(jù)貼現(xiàn)業(yè)務(wù)。 目前對(duì)于銀行票據(jù)貼現(xiàn)業(yè)務(wù)中存在的風(fēng)險(xiǎn)多是從金融學(xué)和管理學(xué)的角度進(jìn)行探討，很少有從法學(xué)理論的角度進(jìn)行系統(tǒng)的研究。本文通過(guò)對(duì)引入的現(xiàn)實(shí)案例進(jìn)行分析，發(fā)現(xiàn)票據(jù)貼現(xiàn)制度存在很多法律爭(zhēng)議和制度風(fēng)險(xiǎn)，對(duì)于票據(jù)貼現(xiàn)的法律性質(zhì)沒(méi)有統(tǒng)一的規(guī)定；對(duì)票據(jù)貼現(xiàn)中各當(dāng)事人之間的法律關(guān)系規(guī)定不明確；銀行對(duì)票據(jù)貼現(xiàn)業(yè)務(wù)的審查和操作過(guò)程中存在很多的風(fēng)險(xiǎn)。針對(duì)上述問(wèn)題，本文認(rèn)為首先要明確票據(jù)貼現(xiàn)的法律性質(zhì)為票據(jù)買賣行為，以此為基礎(chǔ)分析票據(jù)貼現(xiàn)過(guò)程中各票據(jù)當(dāng)事人之間的法律關(guān)系，并結(jié)合銀行在票據(jù)貼現(xiàn)過(guò)程的審查義務(wù)，對(duì)票據(jù)貼現(xiàn)制度存在的法律問(wèn)題做一個(gè)系統(tǒng)的論證。最后，對(duì)票貼現(xiàn)存在的問(wèn)題從制度完善和風(fēng)險(xiǎn)防范兩方面提出了建議：一方面要完善立法，解決法律沖突，保障法律的順利適用，另一個(gè)方面從銀行內(nèi)控制度方面入手，健全銀行內(nèi)部票據(jù)業(yè)務(wù)風(fēng)險(xiǎn)控制體系。
[Abstract]:In recent years, the commercial bank bill discount business of our country appears the development momentum that rises in a straight line. It is worth noting that the rapid development of the paper market has created many potential risks. For this reason, the country has repeatedly implemented monetary tightening policies to control the balance of paper financing and prevent the excessive growth of loans. Regulators require strict control of the risk of bill business, banks also have a more cautious attitude to the bill discount business, even the people's Bank of silver direct window guidance, suspended a number of bill discount business. At present, most of the risks in the discounting of bank bills are discussed from the angle of finance and management, and few of them are systematically studied from the angle of legal theory. Based on the analysis of the actual cases, it is found that there are many legal disputes and institutional risks in the discounted bill system, and there is no uniform regulation on the legal nature of the discounted bill. The legal relationship between the parties in bill discount is not clear, and there are a lot of risks in the examination and operation of the bill discount business. In view of the above problems, this paper thinks that the legal nature of bill discount should be clearly defined as the act of bill buying and selling, which is the basis of analyzing the legal relationship between the parties in the process of bill discounting. Combined with the obligation of the bank in the process of discounting the bill, this paper makes a systematic demonstration on the legal problems existing in the discounted bill system. Finally, the paper puts forward some suggestions from the aspects of system perfection and risk prevention: on the one hand, to perfect the legislation, to resolve the legal conflict, to ensure the smooth application of the law, and on the other hand, to start with the bank internal control system. We will improve the risk control system for internal bank bills.
【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D922.287

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