论信托受益权的质押

发布时间：2018-01-19 20:11

本文关键词： 信托受益权质押信托　出处：《首都经济贸易大学》2013年硕士论文　论文类型：学位论文

【摘要】：在我国，信托业与银行业、保险业、证券业合称为中国四大金融产业。自2001年《中华人民共和国信托法》颁布实施以来，中国的信托业根据信托法律，借鉴英美信托法原理和实务开始了信托实践的序幕。 10多年的信托法律实践中，信托在我国得到了快速发展，信托财产的规模成倍增长，信托运用和服务的领域不断被拓宽，信证合作（信托与证券）、银信合作（信托与银行）也频频出现在人们的视野中，信托的灵活性和特殊功能对金融业务创新的意义和价值日益受到人们的关注和重视。虽然有以信托法为基础的“一法两规”的法律框架来调整信托活动，但信托作为一种移植的制度，水土不服是难免的，加上我国于近年来，我国经济有了显著地发展，国民财富的持续增长和财富市场也在逐渐形成，信托产品的投资也越来越多，，信托受益权也被广泛应用于质押贷款或偿还债务，相关法律法规的缺乏，大部分信托产品的受益权流通性受到了极大的限制，虽然临着诸多法律风险，但由于金融市场发展的需要，在实践中，在信托受益权质押广泛运用于金融担保，承认并研究信托受益权质押的适法性及可行性对于满足现实需要，适应信托业务拓展，鼓励金融产品创新都具有十分重要的意义。本文旨在通过对信托的本质、功能和基本法理的简单介绍，通过对信托受益权质押问题的分析，进而论述我国《信托法》的立法缺失和信托实务中对信托法律制度的立法需求，为信托法的研究和完善，开启新的思考路径。
[Abstract]:In China, trust industry, banking industry, insurance industry and securities industry are the four major financial industries in China. Since 2001, the Trust Law of the people's Republic of China has been promulgated and implemented, the trust industry in China is based on the trust law. Drawing lessons from the principles and practice of British and American Trust Law, the prelude of trust practice is started. In the practice of trust law for more than 10 years, trust has been developed rapidly in our country, the scale of trust property has increased exponentially, the field of trust application and service has been widened constantly, and trust and certificate cooperation (trust and securities). The trust and bank cooperation (trust and bank) also frequently appear in people's view, the flexibility and special function of trust to the meaning and value of financial business innovation are paid more and more attention to by people day by day. Although there is a legal framework of "one law and two rules" based on trust law to adjust trust activities, trust as a transplant system, it is inevitable, plus our country in recent years. With the remarkable development of Chinese economy, the sustained growth of national wealth and the formation of wealth market, the investment of trust products is increasing, and the right of trust benefit is widely used in mortgage loans or debt repayment. Due to the lack of relevant laws and regulations, the circulation of beneficial rights of most trust products is greatly restricted. Although there are many legal risks, they are in practice because of the need of the development of financial market. The pledge of beneficial right of trust is widely used in financial guarantee. The recognition and study of the appropriateness and feasibility of pledge of beneficial right of trust can meet the needs of reality and adapt to the expansion of trust business. Encouraging innovation of financial products is of great significance. The purpose of this paper is to introduce the nature, function and basic legal principle of trust, and to analyze the pledge of beneficial right of trust. Then it discusses the lack of legislation of Trust Law in our country and the legislative requirement of trust law system in the practice of trust, which opens a new way of thinking for the study and perfection of Trust Law.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.282;D923

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