商品融资业务法律题研究1.docVIP

商品融资业务法律问题研究 摘 要 据巴赛尔资本协议的定义，“商品融资”指的是基于储备物资、存货或者是在交易所交易的应收商品（例如金属、原油或者谷物等）所进行的结构性的短期信贷。它是一种国内商业银行最近几年以来蓬勃发展的、以商品质押作为担保方式的短期融资业务。从商品所有者也就是借款人角度讲，商品融资的业务模式非常便捷，对于企业存货的盘活有很明显的帮助，是企业资金融通问题的有效解决方式，除此之外还能够规避一定的商品市场价值的风险。不过从商业银行角度来讲，商品本身就已经处于一种动态的流转经营过程中了，在转移交付、“滚动质押”、质物监管、物权竞合等一些方面肯定会一定程度上影响商业银行的信贷资产的安全，因而有产生纠纷的可能。 本论文将以法律角度为切入点对商品融资加以研究,期望达到的研究目的如下:首先从法律角度着手看待商品融资,分析它的特征、主体及基本运作模式,进而从动产担保、应收账款转让以及银行内部监管三方面讨论它们在融资业务方面的局限或者缺失,最后,提出一些完善我国商品融资方面的法律制度以及业内监管制度的建议。 关键词：商品融资 局限 完善 法律 Abstract According to the definition of the Basle Capital Accord, commodity finance refers to the structural reserve materials, inventory or receivables in exchange-traded commodities (such as metals, crude oil or grains) of short-term credit. It is a domestic commercial banks in recent years has been booming commodity pledged as a guaranteed way of short-term financing business. Borrowers perspective from the owners of commodities and commodity finance business model is very convenient for business inventories enliven obvious and effective solution for enterprise financing problems, in addition to circumvent certain goods the risk of the market value. But from the perspective of commercial banks, the product itself has been in circulation of a dynamic business process, transfer delivery the scroll pledge, some aspects of the hypothecated regulatory, Property Rights competing on Business will certainly be affected to some extent. the security of the banks credit assets, and thus the possibility of disputes. The papers will be a legal point of view to be studied as the starting point of a commodity financing is expected to achieve the purpose proceed as follows: First, from a legal point of view look at commodity finance, analysis of its characteristics, main and basic mode of operation, and turn from chattel secured debtors models for sale as well as the banks internal regulatory three discuss their limitations or missing in the financing business, and finally, to put forwar