摘要
随着金融创新的不断深化,商业银行产品中涉及保证金的业务越来越多。保证金成为商业银行降低相关业务风险的重要手段,也成为广大公司及个人客户获取相应金融服务的重要要件。但由于目前法律法规对保证金性质的规定不明确,实践中对于保证金的法律定性存在不同认识,导致保证金被查封、冻结甚至扣划的现象时有发生,保证金的安全性和业务保障能力被打折扣。本文从法律视角研究保证金所面临的主要法律风险,并提出了多种化解风险的措施。
With the development of financial innovation, the risk of commercial bank products and service referring to de- posit are increasing. Deposit becomes the important method of reducing the risk of banking; meanwhile it becomes the impor- tant condition to get the relevant financial service for the corporate and individual clients. However the legal provisions of de- posit are not clear as well the different understanding of deposit in practice, the deposit is usually sealed up, frozen or deducted. For that reason, the safety and guarantee of deposit is rebated. This essay is analyzed by categories from the legal approach with researching on the legal risks of deposit and putting forward several methods of defusing these risks.
出处
《金融发展研究》
2012年第9期63-67,共5页
Journal Of Financial Development Research
关键词
保证金
法律风险
防范措施
质押
deposit, legal risk, control measures, pledge