我国中小企业集合票据法律问题探究

发布时间：2018-03-20 09:37

本文选题：中小企业集合票据　切入点：中小企业　出处：《北京化工大学》2015年硕士论文　论文类型：学位论文

【摘要】：以2009年中国银行交易商协会颁布的《银行间债券市场中小非金融企业集合票据业务指引》为肇端,中小企业集合票据法律制度正式诞生。作为一种为促进中小企业发展而设计的融资工具,它为解决中小企业融资难问题开辟了一条新路径。六年来,中小企业集合票据获得了较好的发展态势,但问题也随之显现。由于中小企业集合票据法律概念的指导性弱、法律性质的界定不清,导致附之于上的程序性规则无法建立完善,阻碍了该制度的发展。本文综合运用理论分析、文献分析、比较分析和实证分析等方法,对中小企业集合票据制度的发展现状、理论问题及配套制度完善进行了探讨,以期为该制度的发展尽绵薄之力。除去前言与结论,本文一共分为四章。第一章简要介绍了中小企业集合票据的发展现状,并基于此,讨论了它的法律概念界定及细化。第二章,把中小企业集合票据与中小企业集合债券、短期融资券、中期票据分别进行了比较分析,在总结其特征的基础上强调了它的法律价值所在。第三章,从比较分析台湾、美国等地的票据法入手,指出我国应尽快修改现行《票据法》,建立起自己的商业本票制度,从而将中小企业集合票据纳入其中进行调整,并最终总结了中小企业集合票据在我国资本市场的法律性质定位。第四章,全文最后为中小企业集合票据的发展提出了一些完善建议,涉及到立法制度、风险监管、程序优化、信用增级等层面,期待集合票据能更好地为我国中小企业的发展贡献力量。
[Abstract]:Starting with the Business guidelines for small Non-Financial Enterprises in the Interbank Bond Market issued by the Association of Bank Dealers of China in 2009, As a financing tool designed to promote the development of small and medium-sized enterprises, it has opened a new way to solve the financing difficulties of small and medium-sized enterprises. Because of the weak guidance of the legal concept of the small and medium-sized enterprise collective bill and the unclear definition of the legal nature, the procedural rules attached to them cannot be established and perfected. This paper uses the methods of theoretical analysis, literature analysis, comparative analysis and empirical analysis to probe into the development status, theoretical problems and the perfection of supporting system of small and medium-sized enterprises' collective bill system. Apart from the foreword and conclusion, this paper is divided into four chapters. The first chapter briefly introduces the status quo of small and medium-sized enterprises' collective bills, and based on this, In the second chapter, we compare and analyze the small and medium-sized enterprise aggregate bill, the small and medium-sized enterprise collective bond, the short term financing bond, the medium term bill respectively. On the basis of summing up its characteristics, it emphasizes its legal value. Chapter three, starting with a comparative analysis of the ticket laws of Taiwan and the United States, points out that our country should amend the current "Bill Law" as soon as possible and establish its own commercial promissory note system. Finally, it summarizes the legal nature of SME collective instruments in the capital market of our country. Chapter 4th, At the end of the paper, some suggestions are put forward for the development of small and medium-sized enterprises' collective instruments, including legislative system, risk supervision, procedure optimization, credit enhancement and so on. It is expected that aggregate bills can contribute better to the development of small and medium-sized enterprises in China.
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.287

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