合理性与合法性:互联网金融产品收益权拆分转让再探讨
发布时间：2018-10-25 19:22
【摘要】：自2013年互联网金融横空出世以来,各大互联网金融理财平台纷纷推出各种平民化的理财产品,其中涉及收益权拆分转让的信托计划、资管计划作为其中发展最为迅速的一支,以其"化零为整"、灵活机动的投资方式受到广大投资者的喜爱,成为金融创新的一大代表性成果。然而,在其迅速发展的同时,产品本身存在的道德和法律风险使其面临着越来越多的质疑。本文从"收益权"的定义出发,区分大陆法系和英美法系对于"受益权"和"收益权"的不同界定,关注当前较为常见的互联网金融产品收益权拆分转让的模式,认为当下对于互联网金融产品收益权拆分一律叫停的做法并不适当,相反堵不如疏,对其风险进行多方面防控才是更合理的选择。
[Abstract]:Since the birth of Internet finance in 2013, various Internet financial platforms have launched a variety of popularized financial products, including trust plans involving the separation and transfer of income rights, among which the capital management plan has developed most rapidly. The flexible and flexible way of investment is popular with investors and becomes a representative achievement of financial innovation. However, with its rapid development, the moral and legal risks of the product itself make it face more and more questions. Starting from the definition of "income right", this paper distinguishes the different definitions of "benefit right" and "income right" between civil law system and Anglo-American law system, and pays close attention to the current more common mode of income right separation and transfer of Internet financial products. It is considered that it is not appropriate to stop the separation of the income rights of Internet financial products at present, on the contrary, it is better to block it, and to prevent and control its risks in many aspects is a more reasonable choice.
【作者单位】： 山东大学;
【基金】：2013年教育部人文社科青年基金项目《民间资本控股村镇银行:理论求证、衍生风险与法律规制》(13YJC820004) 2014年教育部人文社科青年基金项目《民营银行:发展障碍、经营风险与法律制度克服——以民营银行开闸为时代背景》(14YJC820038)的阶段性成果
【分类号】：F724.6;F832.2;D922.28
，
本文编号：2294598
[Abstract]:Since the birth of Internet finance in 2013, various Internet financial platforms have launched a variety of popularized financial products, including trust plans involving the separation and transfer of income rights, among which the capital management plan has developed most rapidly. The flexible and flexible way of investment is popular with investors and becomes a representative achievement of financial innovation. However, with its rapid development, the moral and legal risks of the product itself make it face more and more questions. Starting from the definition of "income right", this paper distinguishes the different definitions of "benefit right" and "income right" between civil law system and Anglo-American law system, and pays close attention to the current more common mode of income right separation and transfer of Internet financial products. It is considered that it is not appropriate to stop the separation of the income rights of Internet financial products at present, on the contrary, it is better to block it, and to prevent and control its risks in many aspects is a more reasonable choice.
【作者单位】： 山东大学;
【基金】：2013年教育部人文社科青年基金项目《民间资本控股村镇银行:理论求证、衍生风险与法律规制》(13YJC820004) 2014年教育部人文社科青年基金项目《民营银行:发展障碍、经营风险与法律制度克服——以民营银行开闸为时代背景》(14YJC820038)的阶段性成果
【分类号】：F724.6;F832.2;D922.28
，
本文编号：2294598
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