保证金质押制度的完善研究

发布时间：2018-01-12 09:29

本文关键词：保证金质押制度的完善研究　出处：《广西大学》2016年硕士论文　论文类型：学位论文

【摘要】：保证金质押,是当下市场经济中广泛运用的质押担保方式,是商业银行业务中至关重要的担保手段。一方面,《物权法》中尚未明确规定保证金质押的法律地位；另一方面,随着金融经济的发展,不同的保证金质押类型相继在实践中产生,现有的法律法规已经无法囊括,关于保证金担保的法律性质也存在争议,现实与法律的脱轨导致矛盾不断滋生,法律的空白导致保证金质押处于进退维谷的尴尬境地。因此,完善保证金质押制度以及对保证金担保相关问题的解决显得尤为迫切。除前言与结语部分外,本文共分为四章：第一章为保证金法律性质的分析,通过对保证金法律性质存在的争议观点分析以及法律性质对保证金设定的影响分析,提出笔者对保证金担保的性质认定。第二章为现行法中保证金质押相关规定的缺陷分析。本章通过对相关现行法进行剖析,从保证金质押缺乏明确担保地位、保证金质押类型范围过于窄小、生效要件模糊三个方面进行分析论述。第三章为实践中保证金质押存在的法律风险分析。本章通过对各地法院“同案不同判”的裁判观点进行剖析,以及从债务人、银行自身三个角度论述保证金质押实践中的风险。第四章为保证金质押制度完善的法律建议。本章在前三章的基础之上,立足于现行法律法规的缺陷、实践中风险,提出相关制度完善的建议。以求完善法律法规,添补漏洞,满足实践需求。
[Abstract]:Margin pledge, which is widely used in the current market economy, is a vital guarantee means in the business of commercial banks. On the one hand. The legal status of bond pledge has not been clearly stipulated in the Real right Law. On the other hand, with the development of financial economy, different types of bond pledge have emerged in practice, the existing laws and regulations can not be covered, the legal nature of margin guarantee is also controversial. The derailment between reality and law leads to contradictions, and the blank of law leads to the dilemma of margin pledge. In addition to the foreword and the conclusion, this paper is divided into four chapters: the first chapter is the analysis of the legal nature of the margin. Through the legal nature of margin analysis of the controversial point of view and the legal nature of the impact of margin setting analysis. The second chapter is the defect analysis of the relevant provisions in the current law. This chapter through the analysis of the relevant current law, from the margin pledge lack of clear security status. The type of margin pledge is too narrow. The third chapter is the legal risk analysis of the security pledge in practice. This chapter analyzes the judgment viewpoint of "different judgments in the same case" by the local courts. And from the debtor, the bank itself discusses the risk in the practice of security pledge. Chapter 4th is the legal advice to improve the security pledge system. This chapter is based on the first three chapters. Based on the defects of the current laws and regulations and the risks in practice, this paper puts forward some suggestions for the perfection of the relevant systems in order to perfect the laws and regulations, fill up the loopholes, and meet the practical needs.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D923.2

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