信托受益权转让融资风险之法律分析

在中国近年金融快速发展的过程中,银行与其他金融机构合作,创造出一系列的金融创新手段与创新产品。利用信托受益权转让进行融资,满足了企业的融资需求与消费者的投资需求,同时给金融监管带来了新的挑战和压力。如何在金融创新中把握金融监管的方向与力度,使金融监管服务于金融创新,并在促进金融创新的同时,控制创新所带来的风险,是值得关注的一个问题。从信托受益权转让这一融资模式出发,以小见大,或能为金融监管与金融创新的权衡提供借鉴。

Legal Analysis of the Trust Beneficiary Transfers Financing Risks

In the course of China＇ s rapid development in recent years, the cooperation between the banking and other financial institutions has created a series of financial innovation means and innovative products. To finance by the trust beneficiary transfer meets the investment needs of the enterprise and consumer financing needs, while it has brought new challenges and pressures on financial regulation. How to grasp the direction and intensity in the fi- nancial supervision and financial innovation, and make the financial regulatory serve the financial innovation and fi- nancial innovation while promoting control risks arising from innovation, this is an issue of concern.