票据贴现业务的法律问题研究

发布时间：2018-04-20 08:02

本文选题：票据贴现 + 法律性质　；参考：《西南政法大学》2013年硕士论文

【摘要】：近年来，我国商业银行票据贴现业务出现了直线上升的发展势头。值得注意的是，，票据市场的迅猛发展，产生了很多潜在的风险，为此国家多次实行货币紧缩政策，控制票据融资余额，防止贷款的过多增长，监管层要求严格控制票据业务的风险，银行对于票据贴现业务也持有较为谨慎的态度，甚至传出银人民银行进行了直接的窗口指导，暂停了一批票据贴现业务。目前对于银行票据贴现业务中存在的风险多是从金融学和管理学的角度进行探讨，很少有从法学理论的角度进行系统的研究。本文通过对引入的现实案例进行分析，发现票据贴现制度存在很多法律争议和制度风险，对于票据贴现的法律性质没有统一的规定；对票据贴现中各当事人之间的法律关系规定不明确；银行对票据贴现业务的审查和操作过程中存在很多的风险。针对上述问题，本文认为首先要明确票据贴现的法律性质为票据买卖行为，以此为基础分析票据贴现过程中各票据当事人之间的法律关系，并结合银行在票据贴现过程的审查义务，对票据贴现制度存在的法律问题做一个系统的论证。最后，对票贴现存在的问题从制度完善和风险防范两方面提出了建议：一方面要完善立法，解决法律冲突，保障法律的顺利适用，另一个方面从银行内控制度方面入手，健全银行内部票据业务风险控制体系。
[Abstract]:In recent years, the commercial bank bill discount business of our country appears the development momentum that rises in a straight line. It is worth noting that the rapid development of the paper market has created many potential risks. For this reason, the country has repeatedly implemented monetary tightening policies to control the balance of paper financing and prevent the excessive growth of loans. Regulators require strict control of the risk of bill business, banks also have a more cautious attitude to the bill discount business, even the people's Bank of silver direct window guidance, suspended a number of bill discount business. At present, most of the risks in the discounting of bank bills are discussed from the angle of finance and management, and few of them are systematically studied from the angle of legal theory. Based on the analysis of the actual cases, it is found that there are many legal disputes and institutional risks in the discounted bill system, and there is no uniform regulation on the legal nature of the discounted bill. The legal relationship between the parties in bill discount is not clear, and there are a lot of risks in the examination and operation of the bill discount business. In view of the above problems, this paper thinks that the legal nature of bill discount should be clearly defined as the act of bill buying and selling, which is the basis of analyzing the legal relationship between the parties in the process of bill discounting. Combined with the obligation of the bank in the process of discounting the bill, this paper makes a systematic demonstration on the legal problems existing in the discounted bill system. Finally, the paper puts forward some suggestions from the aspects of system perfection and risk prevention: on the one hand, to perfect the legislation, to resolve the legal conflict, to ensure the smooth application of the law, and on the other hand, to start with the bank internal control system. We will improve the risk control system for internal bank bills.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.287

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