论文部分内容阅读
创新是金融的生命,是金融发展的永恒主题,没有创新就没有发展。肇始于美国的“次贷”危机表明,金融创新在减少原有金融风险的同时,往往带来新的不稳定因素,衍生新的金融风险。金融担保制度在市场经济中是“信用供给”的基础,是金融创新中防范信用风险的有效手段。但传统的担保法律制度在担保标的物范围、设定和行使担保权程序、成本、效率等方面,并不能适应金融创新的实践需要。对让与担保这一非典型担保方式而言,因其固有的特点和优势,可发挥独特的作用,表现出极大的适应性。
Innovation is the life of finance, the eternal theme of financial development, and there is no development without innovation. The crisis of “subprime mortgage” originated in the United States shows that while financial innovation reduces existing financial risks, it often brings new instability and new financial risks. The financial guarantee system is the foundation of “credit supply ” in market economy and an effective means of preventing credit risk in financial innovation. However, the traditional guarantee legal system can not meet the practical needs of financial innovation in terms of the scope of the security subject matter, the procedures for setting and exercising the security right, costs and efficiency. Because of its inherent characteristics and advantages, the atypical guarantee of transfer and guarantee can play a unique role and show great adaptability.