我国营业信托风险控制法律机制研究
发布时间：2019-05-09 05:21
【摘要】：按照相关法律规范设立的金融机构以收取信托报酬为目的设立的信托即为营业信托。营业信托风险针对的是信托计划结束时投资者的本金与收益能否按照预期得到回收,其特征是风险类型混合性、非制度性风险的普遍性、风险发生的差异性和局部性。目前通过我国信托法对信托财产的制度保护和实务中常见的担保方式来控制营业信托风险存在许多问题。将营业信托风险分为制度性风险和非制度性风险两类,为研究风险的生成和风险控制法律机制理清了思路。制度性风险来源于信托立法设计漏洞、监管体系薄弱和相关制度的缺失,而非制度风险则产生于信用风险、市场风险、操作风险和创新风险的客观存在性。因此,我国营业信托风险控制法律机制的完善,一方面需要通过《信托法》司法解释的出台、《信托业法》等法律的制定、信托公司内外部监管机制的健全和信托配套制度的建立来达到防范制度性风险的目的,另一方面则通过受托人忠实义务、善管义务的立法修正和受托人专业能力的提升来控制非制度性风险。
[Abstract]:Financial institutions established in accordance with the relevant legal norms for the purpose of receiving trust remuneration trust is business trust. Business trust risk is aimed at whether investors' principal and income can be recovered according to expectation at the end of trust plan, which is characterized by mixed risk type, universality of non-institutional risk, difference and locality of risk occurrence. At present, there are many problems in controlling the risk of business trust through the system protection of trust property and the common way of guarantee in practice through the trust law of our country. The risk of business trust is divided into institutional risk and non-institutional risk, which clarifies the thinking for the study of risk generation and risk control legal mechanism. The institutional risk comes from the loopholes in the design of trust legislation, the weakness of the regulatory system and the absence of related institutions, while the non-institutional risk results from the objective existence of credit risk, market risk, operational risk and innovation risk. Therefore, the perfection of the legal mechanism of risk control of business trust in our country needs, on the one hand, the introduction of judicial interpretation of Trust Law and the formulation of Trust Law and other laws. The perfection of the internal and external supervision mechanism of the trust company and the establishment of the supporting system of the trust can achieve the purpose of preventing the institutional risks, on the other hand, through the duty of faithfulness of the trustee, The legislative amendment of good management obligation and the improvement of trustees' professional ability to control non-institutional risks.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.282
本文编号：2472509
[Abstract]:Financial institutions established in accordance with the relevant legal norms for the purpose of receiving trust remuneration trust is business trust. Business trust risk is aimed at whether investors' principal and income can be recovered according to expectation at the end of trust plan, which is characterized by mixed risk type, universality of non-institutional risk, difference and locality of risk occurrence. At present, there are many problems in controlling the risk of business trust through the system protection of trust property and the common way of guarantee in practice through the trust law of our country. The risk of business trust is divided into institutional risk and non-institutional risk, which clarifies the thinking for the study of risk generation and risk control legal mechanism. The institutional risk comes from the loopholes in the design of trust legislation, the weakness of the regulatory system and the absence of related institutions, while the non-institutional risk results from the objective existence of credit risk, market risk, operational risk and innovation risk. Therefore, the perfection of the legal mechanism of risk control of business trust in our country needs, on the one hand, the introduction of judicial interpretation of Trust Law and the formulation of Trust Law and other laws. The perfection of the internal and external supervision mechanism of the trust company and the establishment of the supporting system of the trust can achieve the purpose of preventing the institutional risks, on the other hand, through the duty of faithfulness of the trustee, The legislative amendment of good management obligation and the improvement of trustees' professional ability to control non-institutional risks.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.282
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