第三者融资型信用交易的法律构造

发布时间：2018-05-20 01:05

本文选题：消费信用交易 + 法律构造　；参考：《法学论坛》2017年04期

【摘要】：现代社会交易形态不断发展,通过数个合同的结合实现交易目的的情形越来越多。作为典型之一的第三者融资型信用交易,经营者与信用提供者之间形成合作已为常态。从平衡当事人利益的角度出发,在买卖或服务提供合同出现无效、可撤销、解除的原因时,允许消费者以此向信用提供者进行抗辩,是较为合理的风险分配方式。最高人民法院《关于审理商品房买卖合同纠纷案件司法解释》第24条明确了通过担保贷款方式购买商品房的情形下,因商品房买卖合同无效、可撤销及解除时,当事人可以解除担保贷款合同的规则。对于其他商品或服务我国未有明确规定,从日本及德国的立法动向来看,可以类推适用至其他商品或服务。
[Abstract]:With the development of modern society, there are more and more cases in which the purpose of transaction is realized through the combination of several contracts. As a typical third party financing credit transaction, it is normal to form cooperation between operator and credit provider. From the angle of balancing the interests of the parties, when the contract of sale or service supply appears invalid, revocable and rescinded, it is a more reasonable way to allocate risks by allowing consumers to defend to the credit provider. Article 24 of the Supreme people's Court on the Judicial interpretation of disputes concerning the trial of contracts for the purchase and sale of commercial housing clearly stipulates that in the case of purchase of commercial housing by way of guaranteed loans, if the contract for the purchase and sale of commercial housing is null and void, it may be revoked and rescinded. The parties may rescind the rules of the guarantee loan contract. For other goods or services our country does not have a clear regulation, from the legislative trend of Japan and Germany, can be applied to other goods or services by analogy.
【作者单位】：东南大学法学院;
【基金】：笔者承担的江苏省社科基金项目《第三者融资型消费信用交易的私法构造及其规制研究》(16FXD002)的阶段性成果
【分类号】：D923.6

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