我国信托业兑付风险法律规制研究

发布时间：2018-05-06 18:08

本文选题：信托 + 兑付风险　；参考：《华中科技大学》2015年硕士论文

【摘要】：信托产生于对受托人的相信,委托人把他的财产权交给受托人,然后由受托人对信托财产进行管理,期间,受托人要尊重委托人的想法,时刻以受益人的利益及其他为标准,以受托人的名义处分财产。信托既是投资工具又是融资工具,而且可以连接货币、资本和产业三大市场。我国信托业自1979年恢复以来,在我国经济发展中起着不可忽视的作用,信托与银行、证券、保险并称为金融业的四大支柱。信托公司通过开展信托业务和信托产品创新,成为重要的融资平台。2013年以来,素有刚性兑付之名的我国信托业,兑付危机却接踵而至,频繁曝光的风险事件引发了人们对信托业系统性风险的担忧,一场系统性的信托危机正呈蔓延之势。近年来,信托业经历了高速增长,随着信托行业的发展壮大,现行信托法的缺陷越来多的表现出来,现在出台之《信托法》、《信托投资公司管理办法》、《信托投资公司资金信托管理暂行办法》只是在某个层面上形成一个信托业务开展的框架,许多方面还没有具体的实施细则,有些概念还没有司法解释或者是相关司法解释也相对滞后。由于缺乏统一的法律标准,导致实践具有巨大的差异性,为信托业风险埋下了隐患。而同时,中国信托业长期缺乏有效的、权威的监管体系和监管机制。此外,存在与信托相关的诸多制度的缺失现象,比如信托登记制度、信息披露制度、风险责任制度等。英国是信托业的发源地,信托发展的历史比较悠久。而美国、日本作为当今世界信托业的后起之秀,信托业非常发达。研究英美法系与大陆法系的代表性国家的信托法律制度,对我国信托业兑付的法律规制有重要的意义。综上所述,制定适合我国现实环境的信托业法律制度的过程中,首当其冲地就是健全信托法律体系,修改《信托法》、健全信托法律法规与其他法律的配套体系,必须尽快有统一的司法解释。其次要补充、完善信托业法律规制具体制度,第一,构建权威的、有效的监管机制和监管体系,第二,健全行业自律组织监管机制,第三,强化企业内部控制机制,第四,完善信托公司设立登记制度,第五,落实和完善信息披露制度,第六,明确信托兑付风险责任制度,厘清信托业风险责任的界限。
[Abstract]:The trust arises from the belief in the trustee that the trustee gives his property right to the trustee, and then the trustee manages the trust property. During that time, the trustee respects the trustor's ideas and takes the interests of the beneficiary and others as the criterion at all times. Dispose of property in the name of a trustee. Trust is not only an investment tool but also a financing tool, and it can connect money, capital and industry. Since the restoration of trust industry in 1979, trust industry has played an important role in the economic development of our country. Trust, banking, securities and insurance are the four pillars of the financial industry. Trust companies have become an important financing platform through their trust business and trust product innovation. Since 2013, China's trust industry, known as the name of rigid payment, has been facing a payment crisis. Frequent exposure raises concerns about systemic risk in the trust industry, and a systemic trust crisis is spreading. In recent years, the trust industry has experienced a rapid growth. With the development and growth of the trust industry, the defects of the current trust law have become more and more obvious. The present "Trust Law", the "Trust and Investment Company Management measures" and the "interim measures on Trust and Investment Company Capital Trust Management" are just a framework for the development of trust business at a certain level, and many aspects have not yet been implemented under specific rules. Some concepts still have no judicial explanation or relative judicial explanation. Due to the lack of uniform legal standards, there is a huge difference in practice, which buries hidden dangers for trust industry risk. At the same time, China's trust industry has long lacked an effective and authoritative regulatory system and regulatory mechanism. In addition, there are many defects in trust related systems, such as trust registration system, information disclosure system, risk liability system and so on. Britain is the birthplace of the trust industry, the history of trust development is relatively long. The United States, Japan, as a rising star of the world's trust industry, trust industry is very developed. It is of great significance to study the trust legal system in the representative countries of Anglo-American law system and continental law system. To sum up, in the process of formulating a legal system of trust industry suitable for our country's real environment, the first thing to bear the brunt is to improve the trust legal system, amend the Trust Law, and improve the supporting system of trust laws and regulations and other laws. There must be a unified judicial interpretation as soon as possible. Secondly, we should complement and perfect the specific system of legal regulation of trust industry. First, we should build an authoritative and effective regulatory mechanism and regulatory system. Second, we should perfect the regulatory mechanism of self-regulatory organizations in the industry. Thirdly, we should strengthen the internal control mechanism of enterprises. Fourth, we should strengthen the internal control mechanism of enterprises. To perfect the registration system of trust companies, fifth, to implement and perfect the information disclosure system, and sixth, to clarify the trust payment risk liability system and clarify the boundaries of the trust industry risk liability.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.282

【相似文献】