保理合同让与通知解释论——以《民法典》第764条为中心

On the Interpretation of Assignment Notice of Factoring Contract:Centering on Article 764 of the Civil Code

《民法典》新增保理合同这一典型合同,然而对保理的争议使得对其解释极为迫切,尤以让与通知为甚。《民法典》第764条应当从让与通知主体、时间、形式和方式、内容四个方面进行解释。主体上,让与通知主体包括出让人和受让人;时间上,暗保理不构成隐藏的法律漏洞;形式和方式上,公告和登记原则上不能作为通知方式,例外情形作为时需严格限制适用;内容上,必要凭证应当理解为“应收账款转让通知书+其他必要凭证”的双层结构。

Factoring contract is a new typical contract in the"Civil Code",but the dispute over factoring has made its interpretation extremely urgent,especially the notice of assignment.Article 764 of the"Civil Code"should be interpreted from four aspects:the subject,time,form and method,and content of the transfer notice.In terms of subject,the subject of the notice of assignment includes the transferor and the transferee;in terms of time,hidden factoring does not constitute a hidden legal loophole;in terms of form and method,announcement and registration cannot be used as notification methods in principle,and the application of exceptions must be strictly restricted;in terms of content,the necessary vouchers should be understood as a two-layer structure of"account receivable transfer notice+other necessary vouchers".