商业银行托管业务法律问题与法律风险

发布时间：2018-01-06 00:24

本文关键词：商业银行托管业务法律问题与法律风险　出处：《金融论坛》2012年05期 　论文类型：期刊论文

【摘要】：商业银行托管业务的法律依据整体上缺乏明确性和统一性,导致在业务实践中产生一些未决问题。从法律依据、法律主体以及权利义务来看,对商业银行托管业务的法律关系做统一定性存在障碍。在以托管人作为当事方而签署的协议中,主要依据当事方主体构成特征,可将商业银行托管业务分为二元结构和三元结构。从现有法律环境出发,除证券投资基金托管为信托关系外,其余托管业务宜界定为受国家干预的委托关系。商业银行托管业务中的法律风险主要包括与托管人独立性问题相关的法律风险、托管人监督职责问题引发的法律风险和关联关系引发的法律风险等。
[Abstract]:Trust business of commercial banks is the legal basis of the lack of clear and unified whole, resulting in some outstanding issues in practice. From the legal basis, legal rights and obligations, do exist obstacles unified on the legal relationship of trust business of commercial banks. In the custodian as the parties of the agreement signed in on the basis of the main parties, constitute the main characteristics of the trust business of commercial banks is divided into two yuan and three yuan structure structure. Starting from the current legal environment, in addition to the securities investment fund custody for the trust relationship, the hosting business should be defined as entrusted by the relationship of state intervention. The legal risk in the trust business of commercial banks mainly includes the legal risks associated with the independence of the trustee, raised questions custodian of the legal risk and supervision responsibilities related legal risk.

【作者单位】：中国工商银行博士后工作站;中国人民大学博士后流动站;北京财贸职业学院金融系;中国工商银行城市金融研究所;
【基金】：中国博士后基金项目资助,项目名称:“金融控股公司立法之法理、原则及规则研究”(33111048)
【分类号】：D922.28;F832.2
【正文快照】： 中国的商业银行托管业务与证券投资基金业同时起步。1997年,证监会发布《证券投资基金管理暂行办法》,最早对商业银行担任证券投资基金托管人做了规定。近年来,随着各类基金、专户或集合资金投资的兴起,中国商业银行托管业务的发展极为迅猛,竞争也日趋激烈。从法律层面看,托管

【参考文献】