基础合同引发保理合同纠纷的法律适用研究

Legal Application of Factoring Contract Disputes Caused by Basic Contract

保理合同是以基础合同产生的债权让与为核心而成立的合同。实践中保理合同当事人的纠纷主要集中于因基础合同含有禁止让与债权的条款、基础交易关系改变、基础合同不存在而导致保理商的应收账款难以实现。上述情况中,对于金钱之债,“禁止让与”的条款不得对抗任意第三人。在当事人变更、终止基础合同时,需要考虑变更理由是否正当以及是否对保理商造成不利影响;当事人解除合同的,需要对不同类型解除权的行使分别讨论。当应收账款为虚假时,应当按照基础合同当事人是否存在恶意以及保理商是否明知或者应知分别处理。

Factoring contract is based on the assignment of creditor's rights generated by the basic con⁃tract.In practice,the disputes between the parties of factoring contract mainly focus on the difficulty in realizing the factor's receivables because the basic contract contains the clause that prohibits the as⁃signment of creditor's rights,the basic transaction relationship changes,or there is no basic contract.In the foregoing cases,in respect of an obligation of money,the“no assigning”clause shall not be against any third party.When the parties change or terminate the basic contract,it is necessary to consider whether the reason for change is justified and whether it has adverse effects on the factor.If the par⁃ties terminate the contract,the exercise of different types of termination rights shall be discussed sepa⁃rately.When an account receivable is false,it should be dealt with separately according to whether the parties to the basic contract have bad faith and whether the factor knows or should know.