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应收账款质押在优化金融生态中的法律问题探析
引用本文:蒋浩.应收账款质押在优化金融生态中的法律问题探析[J].特区经济,2008,235(8):245-247.
作者姓名:蒋浩
作者单位:西南政法大学,民商法学院,重庆,400031
摘    要:《物权法》允许应收账款担保融资,增加了我国商业银行信贷业务品种,适应了经济发展的需求。对我国金融、经济的可持续发展具有重要意义,应收账款质押不仅能更好地满足企业,特别是中小企业的融资需要,还有利于改善信贷结构、增强银行竞争能力,繁荣整个金融市场。而健全的金融法律,能较好地保护应收账款当事人的合法权益,降低信贷风险,促进应收账款融资的发展。

关 键 词:应收账款  担保  金融生态

Probing into the legal problem of receivables impawn in optimization of financ-ial biology
Jiang Hao.Probing into the legal problem of receivables impawn in optimization of financ-ial biology[J].Special Zone Economy,2008,235(8):245-247.
Authors:Jiang Hao
Abstract:Real Right Law of the People's Republic of China permit financing in receivables. and add kind of bank credit. and adapt demand of economical development. The pledge of receivables meet medium and small enterprises improve credit frame ,enhance competitive power ,boom financial market. perfect law can ensure receivables parties legal interest cut down credit risk promote receivables financing development.
Keywords:receivables  assurance  zoology of finance
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