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《論商業(yè)銀行應(yīng)收賬款質(zhì)押融資業(yè)務(wù)的風(fēng)險(xiǎn)與防范》由會(huì)員上傳分享，免費(fèi)在線閱讀，更多相關(guān)內(nèi)容在學(xué)術(shù)論文-天天文庫(kù)。
1、上海交通大學(xué)碩士學(xué)位論文論商業(yè)銀行應(yīng)收賬款質(zhì)押融資業(yè)務(wù)的風(fēng)險(xiǎn)與防范姓名：曲希佳申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：法律指導(dǎo)教師：付榮20100420論商業(yè)銀行應(yīng)收賬款質(zhì)押融資業(yè)務(wù)的風(fēng)險(xiǎn)與防范摘要我國(guó)《物權(quán)法》頒布后，應(yīng)收賬款質(zhì)押融資業(yè)務(wù)在商業(yè)銀行信貸業(yè)務(wù)中的比例不斷上升，但由于立法尚存在缺乏體系性和可操作性的特征，風(fēng)險(xiǎn)相伴而生。這些風(fēng)險(xiǎn)不僅包括法律局限性風(fēng)險(xiǎn)，也包括應(yīng)收賬款質(zhì)押的固有風(fēng)險(xiǎn)、當(dāng)事人信用風(fēng)險(xiǎn)，以及銀行操作等一系列風(fēng)險(xiǎn)，因此，筆者作為金融從業(yè)人員以商業(yè)銀行實(shí)務(wù)操作為出發(fā)點(diǎn)，并在實(shí)務(wù)與理論結(jié)合的基礎(chǔ)上研究如何完善我國(guó)相關(guān)法律法規(guī)，如何防范應(yīng)收賬款質(zhì)押融資中的風(fēng)險(xiǎn)等相關(guān)問題。本文共分四章。第一章
2、應(yīng)收賬款質(zhì)押的概述，介紹了應(yīng)收賬款、應(yīng)收賬款質(zhì)押的概念及特點(diǎn)，并在此基礎(chǔ)上對(duì)應(yīng)收賬款質(zhì)押和應(yīng)收賬款轉(zhuǎn)讓（保理）進(jìn)行了比較分析；第二章應(yīng)收賬款質(zhì)押融資業(yè)務(wù)的實(shí)踐及意義，本章在對(duì)應(yīng)收賬款質(zhì)押融資業(yè)務(wù)及銀行實(shí)踐概況進(jìn)行詳細(xì)介紹的基礎(chǔ)上，從企業(yè)、銀行及整個(gè)社會(huì)經(jīng)濟(jì)的角度分析了應(yīng)收賬款質(zhì)押融資的現(xiàn)實(shí)意義；第三章應(yīng)收賬款質(zhì)押融資的風(fēng)險(xiǎn)分析，筆者主要從法律風(fēng)險(xiǎn)及操作風(fēng)險(xiǎn)兩個(gè)角度重點(diǎn)分析應(yīng)收賬款質(zhì)押融資中銀行面臨的主要風(fēng)險(xiǎn)；第四章風(fēng)險(xiǎn)防范的措施及建議，主要從法律及制度方面、銀行實(shí)務(wù)操作方面初步探討了風(fēng)險(xiǎn)防范的措施及建議。關(guān)鍵詞：應(yīng)收賬款、應(yīng)收賬款質(zhì)押、商業(yè)銀行融資業(yè)務(wù)、商業(yè)銀行風(fēng)險(xiǎn)防范2ABSTRACTA
3、ftertheimplementationof“Thepropertylaw”,theproportionofthepledgefinancingofaccountsreceivableincreasesrapidlyincreditfinancingofcommercialbanks.ButbecausetherelativelawsarelackofsystemandpracticabilityinlegislationinCHINA，therelativeriskscomeintobeing.Therisksincludetherisksoflaws’limitation,thein
4、herentrisksofaccountsreceivablepledge,thecreditrisksofrelativeparties,etc.Asanemployeeincommercialbanks,thewriterfocusesonstudyinghowtoperfecttherelativelawsandregulations,andhowtopreventtherisksofaccountsreceivablefinancingfromtheviewsbothintheoryandpractice.Thisthesisconsistsoffourchapters.Thefi
5、rstchapteristhegeneralintroductionaboutaccountsreceivableandthepledgeofaccountsreceivable.Onthebasisofanalysishereinbefore，thispartfocusonanalyzingthedifferencebetweenthepledgeofaccountsreceivableandtheassignmentofaccountsreceivable.Thesecondchapterisaboutthepracticeandthevalueofthepledgeofaccount
6、receivablefinancing.ThispartfocusonintroducethepracticeoftheaccountsreceivablefinancinginthecommercialbanksinChina.Thischapteralsoanalyzesthemeaningsoftheaccountsreceivablefinancingfromtheviewoftheenterprises，thecommercialbanksandtheentireeconomy.Thethirdchapterisaboutanalysisoftheriskofthepledgeo
7、faccountsreceivableinpracticebothinlawandinpractice.Thelastchapterisabouttheadviceandthemethodsofpreventingtheserisksfromtheviewinlawandinpractice.KEYWORDS:accountsreceivable，pledgeofaccountsreceivable，financingo
