我国金融收益权的理论构建及立法建议  

The Theoretical Construction and Legislative Suggestions of My Country’s Financial Income Right

作　　者：顾长河 GU Chang-he(Law School,Hebei University of Finance,Baoding 071002,China)

机构地区：[1]河北金融学院法学院,河北保定071002

出　　处：《邯郸学院学报》2022年第4期87-96,共10页Journal of Handan University

基　　金：2020年度河北省高等学校社科研究基金重点项目“我国私募基金疑难案件私法研究”(项目编号:SD201001)。

摘　　要：收益权已经成为我国金融行业交易中经常涉及的类型。我国目前作为民事权利基本法的民法及相关法对于收益权的立法仍处于空白状态。收益权作为金融资产主要在两种情形中会出现:一是收益权转让;二是收益权担保。收益权转让所产生的法律关系依其所依托的资产类型而有所不同,但依现行法,收益权交易在本质上就是信贷业务。金融收益权的民法立法不应将收益权设计成物权式的财产权,应将收益权定性为将来债权,应有条件地建构金融资产收益权的担保登记。金融法上应严格限制金融收益权交易、加强收益权交易业务中的投资者保护、有针对性地禁止通过收益权交易规避法律的行为。The right to income has become a type often involved in China’s financial industry transactions.China’s current civil law and related laws as the basic law of civil rights are still in a blank state for the legislation of income rights. The income right as a financial asset mainly appears in two situations: one is the transfer of income right;the other is the guarantee of income right. The legal relationship arising from the transfer of income rights varies according to the type of assets it relies on, but according to the current law, income rights transactions are essentially credit business. The civil law construction of financial income right should not construct the property rights system of property right for income rights. The income right should be defined as future creditor rights, and the guarantee registration of financial assets income right should be constructed conditionally. In the financial law, the financial income right transaction should be strictly restricted, the investor protection in the income right transaction business should be strengthened, and the behavior of evading the law through the income right transaction should be prohibited.

关 键 词：金融资产 收益权 将来债权 

分 类 号：D922.28[政治法律—经济法学]