信贷资产证券化法律关系构建的目标与原则分析  

Analysis of the Objectives and Principles of Establishing Legal Relationship of Credit Assets Securitization

作　　者：高永深[1] 

机构地区：[1]中央民族大学经济学院,北京100081

出　　处：《河北法学》2008年第6期102-106,共5页Hebei Law Science

基　　金：中央民族大学985工程项目成果(CUN985-3-2-3)

摘　　要：信贷资产证券化在我国尚属于创新的融资方式,其法律本质是债权在摆脱特定的身份色彩过程中,具有流通性的证券与作为信用担保的信贷资产的结合。在这一操作过程中,存在着一系列的法律风险。为了有效地规避风险,增强参与者的信心,信贷资产证券化的法律关系体系,要力图构建出风险隔离机制以实现融资的效率性与安全性的目标。在这一过程中,还要分析具体的法律关系,找出"利弊"之所在,并对权益易受侵害的主体给予特别保护,同时加强法律本身的可操作性。Seeuritization of credit assets is still an innovative financing method in China, the legal substance is that the combination of securities in circulating nature and the collateral credit assets during the process of creditor＇s rights getting rid of special identity. During the practice process, a serial of risks are in existence. In order to avoid the risks and strengthen participants＇ confidence, the legal relationship system of seeuritization of credit assets shall try to establish a risk isolation mechanism to achieve the objectives of financing efficiency and security. During this process, it is required to analyze the concrete legal relationship, find out＂advantages and disadvantages＂ ,give special protection to subjects whose rights are vulnerable, and strengthen the workability of the law itself,

关 键 词：信贷资产证券化 目标 原则 

分 类 号：D922.16[政治法律—宪法学与行政法学] F832.4[政治法律—法学]