互金平台信托受益权融资合规性及相关风险研究

发布时间：2017-12-27 00:26

本文关键词：互金平台信托受益权融资合规性及相关风险研究　出处：《山西财政税务专科学校学报》2016年03期 　论文类型：期刊论文

【摘要】：互联网金融极大地创新了市场主体的融资方式,信托与互联网的结合便是其中一例。为了盘活信托存量资产,实践中互金平台以信托受益权为基础设计出各种融资模式,但业界对各类模式的合规性产生了较大的争议。本文归纳了互金平台上通过信托受益权进行融资的两种基本交易模式,即"信托收益权拆分转让模式"和"信托受益权质押融资模式",并通过对信托收益权法律性质的分析探讨信托收益权拆分转让模式的合规性,而受益权质押融资模式的合规性,则分别从法律障碍和学理两方面进行分析。现行法律体制下,以上两种模式均存在合规性风险,但考虑到互联网金融的特殊属性,仍应给予一定发展空间。除合规性风险外,信托受益权融资还存在兑付风险、多次转让质押等道德风险、质押权实现风险和流动性风险,本文就以上风险提出了相关应对措施。
[Abstract]:Internet finance has greatly innovated the financing way of the market subject, and the combination of trust and the Internet is one of them. In order to revitalize the trust stock assets, various financing modes were designed based on trust benefit right in practice, but the industry had great controversy over the compliance of all kinds of models. This paper summarizes the two basic transaction mode of mutual gold platform through the beneficial right of the trust financing, namely "trust usufruct split transfer mode" and "the beneficial right of the trust financing mode, and through the analysis of the legal nature of trust usufruct of compliance trust usufruct split transfer mode, compliance the beneficial right of pledge financing mode, respectively from the legal obstacles and theoretical analysis of two aspects. Under the current legal system, the above two modes all have compliance risk, but considering the special properties of Internet finance, we should still give some space for development. In addition to compliance risks, there are still some moral hazard and pledge rights such as cash risk, multiple transfer pledge and so on.
【作者单位】：华东政法大学;
【分类号】：D922.28;F832.49
【正文快照】： 信托产品门槛高、期限长,一直存在着流动难的问题,互联网金融的出现为信托产品的销售和转让提供了新的渠道,也为信托业的转型升级带来了新的契机。然而在我国现行信托制度框架下,信托产品的私募属性与互联网的公开性产生了冲突,这使得信托机构与互联网的对接远落后于其他金融

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