【摘要】：按照相關法律規(guī)范設立的金融機構以收取信托報酬為目的設立的信托即為營業(yè)信托。營業(yè)信托風險針對的是信托計劃結束時投資者的本金與收益能否按照預期得到回收,其特征是風險類型混合性、非制度性風險的普遍性、風險發(fā)生的差異性和局部性。目前通過我國信托法對信托財產(chǎn)的制度保護和實務中常見的擔保方式來控制營業(yè)信托風險存在許多問題。將營業(yè)信托風險分為制度性風險和非制度性風險兩類,為研究風險的生成和風險控制法律機制理清了思路。制度性風險來源于信托立法設計漏洞、監(jiān)管體系薄弱和相關制度的缺失,而非制度風險則產(chǎn)生于信用風險、市場風險、操作風險和創(chuàng)新風險的客觀存在性。因此,我國營業(yè)信托風險控制法律機制的完善,一方面需要通過《信托法》司法解釋的出臺、《信托業(yè)法》等法律的制定、信托公司內(nèi)外部監(jiān)管機制的健全和信托配套制度的建立來達到防范制度性風險的目的,另一方面則通過受托人忠實義務、善管義務的立法修正和受托人專業(yè)能力的提升來控制非制度性風險。
[Abstract]:Financial institutions established in accordance with the relevant legal norms for the purpose of receiving trust remuneration trust is business trust. Business trust risk is aimed at whether investors' principal and income can be recovered according to expectation at the end of trust plan, which is characterized by mixed risk type, universality of non-institutional risk, difference and locality of risk occurrence. At present, there are many problems in controlling the risk of business trust through the system protection of trust property and the common way of guarantee in practice through the trust law of our country. The risk of business trust is divided into institutional risk and non-institutional risk, which clarifies the thinking for the study of risk generation and risk control legal mechanism. The institutional risk comes from the loopholes in the design of trust legislation, the weakness of the regulatory system and the absence of related institutions, while the non-institutional risk results from the objective existence of credit risk, market risk, operational risk and innovation risk. Therefore, the perfection of the legal mechanism of risk control of business trust in our country needs, on the one hand, the introduction of judicial interpretation of Trust Law and the formulation of Trust Law and other laws. The perfection of the internal and external supervision mechanism of the trust company and the establishment of the supporting system of the trust can achieve the purpose of preventing the institutional risks, on the other hand, through the duty of faithfulness of the trustee, The legislative amendment of good management obligation and the improvement of trustees' professional ability to control non-institutional risks.
【學位授予單位】：中南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.282

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