析应收账款质押登记制度的立法缺陷

中国人民银行<应收账款质押登记办法>和<中国人民银行征信中心应收账款质押登记操作规则>的制定和实施以及应收账款质押登记公示系统的建立启用,初步建立起了我国应收账款质押登记制度.然而.该制度存在质权人单方办理登记、自助登记弱化管理职能、登记效力不及第三方付款人、权利义务倒置等理论和制度设计上的立法缺陷,使应收账款质押登记中极易产生法律风险,据此,笔者提出了相应修改和完善的建议.最后,笔者还提出了应收账款登记制度对商业银行的双重影响,在推动商业银行信贷业务发展的同时,其带来一定程度的风险也应引起商业银行的重视.

Defects in Legislation of Registration of Pledge Receivables

With the promulgation of Measures for the Registration of Pledge Receivables and Operating Rules of Credit Reference Center of The People's Bank of China on the Registration of Pledge Receivables and the employment of Pledge Receivables Registration Notification System, China's registration regulation of Pledge Receivables is preliminarily established. However, there are some legislation defects in this regulation, which easily result in legal risks. For instance, pledgers may make unilateral registration, ...