摘要
商业银行开展资产托管业务是当代金融市场的重要活动之一,建立和适用商业银行资产托管中的法律规范涉及到全社会的金融安全,近期,部分地区商品房预售资金托管问题的出现,源于商业银行开展资产托管业务的法律性质与责任尚未明确,鉴于我国«信托法»已明确界定受托人信义义务,且商业银行在开展资产托管业务中须为受益人最大利益行事,应开设独立账户并与银行固有财产相独立,所以,商业银行对商品房预售资金的监管义务,在广义上属于信托法律关系中的受托人信义义务,为切实防范受托人滥用权利,保护金融消费者合法权益,应进一步明确商业银行预售资金监管的信托属性与具体法律责任,从而有效防范系统性金融风险的发生。
The development of asset custody business by commercial banks is one of the most important activities in modern financial markets.The establishment and application of legal norms in the asset custody of commercial bank involves the financial security of the whole society.Recently, the problem of the custody of the pre-sale funds of commercial housing in some areas arises from the fact that the legal nature and responsibility of the asset custody business of commercial banks have not yet been clarified.Considering that the fiduciary obligation of the trustee has been clearly defined in China’s “Trust Law”,and that commercial banks must act in the best interests of the beneficiary in carrying out the asset custody business, a separate account should be opened and separate from the bank’s property.Therefore, the supervision obligation of commercial banks to the pre-sale funds of commercial housing belongs to the trustee’s fiduciary obligation in the trust legal relationship in a broad sense.In order to prevent the trustee from abusing his rights and protect the legal rights and interests of financial consumers, we should further clarify the trust attribute and specific legal responsibilities of the supervision of pre-sale funds in commercial banks, to effectively prevent the occurrence of systemic financial risks.
作者
蓝永山
崔鸿鸣
王翼彪
Lan Yongshan;Cui Hongming;Wang Yibiao(Beijing Jincheng Tongda(Dalian)law firm,Dalian Liaoning 116026 China;Dalian Maritime University,Dalian Liaoning 116026 China)
出处
《辽宁公安司法管理干部学院学报》
2022年第6期88-93,共6页
Journal of Liaoning Administrators College of Police and Justice
关键词
资产托管业务
商品房预售款
信义义务
赔偿责任
asset custody business
pre-sale funds of commercial housing
fiduciary obligation
liability for compensation
