摘要
《民法典》新设保理合同专章,但其中对于保理合同的规范却寥寥无几,仅在该章最后一条引致条款中说明,本章未规定则适用债权转让的相关规范。司法实务中,由于限制保理业务客体法律规则缺位导致的法律适用问题日益凸显。保理合同中应收账款转让的性质为债权转让,因此可适用债权转让的相关规则。通过梳理法律规定的三类禁止转让的债权可知,基于基础关系不得转让及约定不得转让的债权,或者法律规定不得转让的票据债权,在其合法有效的情况下,可以叙做保理业务;同时,在其叙做保理业务后也相应地具有保理合同生效的法律效力。其中尤其需要注意的是,《民法典》对于金钱债权的转让不得对抗任意第三人的规定,使得禁止转让的债权叙做保理业务后,保理人主观态度的善意与否不影响其对债务人的法律效力,债务人对债权人的履行无效,且不能对抗保理人。
ion cased by absence of rule which is related to the object of restricted fatoring has become increasingly prominent.In factoring contracts,assignment of accounts receivable is the transfer of creditor’s rights in nature,and it could apply to relevant clause of the transfer of creditor’s rights.After studying the three types of receivables factoring that are forbidden to transfer,the writer concludes that,for the possibility,receivables that are forbidden to transfer based on contract or agreement,and the bill that are forbidden to transfer fitted by law,could do factoring when they are legal and valid.Meanwhile,for the effect,after under factoring,receivables that are forbidden to transfer also have the corresponding legal effect of the factoring contract.Particularly,with the implementation of Chinese Civil Code,there is a clause means the transfer of creditor’s rights of money can not be against any third party,which made the attitude of agent could not affect the force on the debtor.It is invalid for the debtor that pay off to the creditor,and the debtor also can not against the agent.
作者
王馨玮
李芳
WANG Xinwei;LI Fang
出处
《上海市经济管理干部学院学报》
2023年第6期56-62,共7页
Journal of Shanghai Economic Management College
基金
山东省社会科学规划平安山东法治山东建设研究专项“养老诈骗治理的长效机制研究”(22CFZJ13)。
关键词
债权转让
禁止转让债权
保理合同
应收账款
债权转让通知对债务人的效力
Transfer of Creditor’s Rights
Receivables that Are Forbidden to Transfer
Factoring Contract
Accounts Receivables
Effect of Notice to the Debtor