汽车融资租赁法律风险及防范

发布时间：2018-05-22 08:16

本文选题：融资租赁 + 汽车融资租赁承租方　；参考：《辽宁大学》2017年硕士论文

【摘要】：本文重点研究的是汽车融资租赁的法律风险及防范。在目前的汽车销售市场上,流行两种购车模式,一种是传统意义上的一次性支付消费,另外一种是利用汽车金融的方式进行车辆买卖,而汽车金融消费通常又包含两种手段,即汽车消费贷款和汽车融资租赁。由于近几年融资租赁业的发展壮大,选择融资租赁的方式购买汽车的消费者日渐增多,消费者在用融资租赁的方式购买汽车的过程中隐含着许多法律问题,因此,本文从法律的视角,通过分析汽车融资租赁交易中的两个合同关系、三方当事人的基本权利义务,发现汽车融资租赁过程中潜在的一些法律风险。通过对现行法律法规的整理分析,发现现行法律中对融资租赁的相关规定不尽完善,有些规定无法切实维护当事人的合法权益,特别是对于汽车融资租赁业务这一新兴的融资租赁模式,现行法律的规定有些过于概括,不够明确具体,现实中操作标准不易把握,无法做到因地制宜的解决问题。本文站在汽车融资租赁承租方和出租方的角度,分别列举实践中可能发生的主要法律问题及解决办法,包括现行汽车登记制度给汽车融资租赁出租方带来的法律风险及解决方案;汽车融资租赁承租方违约的几种具体情形和汽车融资租赁出租方怎样适用取回权;汽车融资租赁承租方因故破产时的自身保护问题及解决方案。本文围绕四个部分展开研究:第一章从融资租赁的基本概念、发展现状入手,引出汽车融资租赁的定义。通过分析汽车融资租赁出租方、汽车供应商、汽车融资租赁承租方,三者在融资租赁过程中的获益情况,得出汽车适用融资租赁模式交易的优越性。第二章重点剖析汽车融资租赁合同法律关系,采用分类讨论的方法,在买卖环节和租赁环节分别探析当事人的权利和义务。第三章重点研究汽车融资租赁出租方在选择适用融资租赁方式交易时,将要面临的主要法律风险。通过对车辆登记、承租人违约制度的分析,得出了主要的风险模式,并且从机动车登记制度、违约取回权制度两个方面给出了法律建议。第四章重点研究汽车融资租赁承租方在选择融资租赁方式时,面临的主要法律风险,从汽车融资租赁出租方破产取回制度和汽车质量瑕疵问题入手,分析得出破产取回制度和质量瑕疵维权的法律弊端,并结合汽车融资租赁的特点,给出了相应的法律建议。
[Abstract]:This paper focuses on the legal risk and prevention of automobile financing lease. In the current automobile sales market, there are two popular modes of car purchase, one is one-time payment in the traditional sense, the other is the use of automobile finance to buy and sell vehicles, and automobile financial consumption usually contains two means. That is, car consumption loans and car financing lease. Due to the development of finance leasing industry in recent years, the number of consumers who choose to purchase cars by means of financing lease is increasing, and many legal problems are implied in the process of purchasing cars by means of financial leasing. From the perspective of law, this paper finds out some potential legal risks in the process of automobile financing lease by analyzing the two contractual relations in the auto financing lease transaction and the basic rights and obligations of the three parties. Through the analysis of the current laws and regulations, it is found that the relevant provisions of the current law on financial leasing are not perfect, and some provisions can not effectively safeguard the legitimate rights and interests of the parties. Especially for the new financing leasing mode of automobile financing lease business, the current legal provisions are too general, not clear and specific, the operational standards are difficult to grasp in reality, and can not solve the problem in accordance with local conditions. From the perspective of the lessee and the lessor of the car financing lease, this paper lists the main legal problems and solutions that may occur in practice. It includes the legal risks and solutions brought by the current car registration system to the car financing leasing party, several specific circumstances of the car financing lease lessee's breach of contract and how to apply the right to take back the car finance leasing party. Self-protection problems and solutions of auto-financing leasee when bankrupt. This paper focuses on four parts: the first chapter from the basic concept of financial leasing, the development of the status quo, leading to the definition of automobile financing lease. Based on the analysis of the benefits of the three parties in the process of the financing lease, the advantages of the auto financing leasing model are obtained. The second chapter focuses on the analysis of the legal relationship of the automobile financing lease contract, and analyzes the rights and obligations of the parties in the link of sale and purchase and the lease link by using the method of classified discussion. The third chapter focuses on the main legal risks that the car leasing parties will face when they choose to use the financing lease mode to trade. Through the analysis of vehicle registration and lessee breach of contract system, the main risk model is obtained, and legal advice is given from two aspects: vehicle registration system and default recovery system. The fourth chapter focuses on the main legal risks faced by the car financing lessee when choosing the financing lease mode, starting with the bankruptcy recovery system of the car financing leasing party and the defect of the car quality. The legal malpractice of bankruptcy recovery system and quality defect protection is analyzed, and the corresponding legal advice is given according to the characteristics of automobile financing lease.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.296

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