摘要
以"金银猫"为代表的诸多互联网票据理财平台在票据质押融资模式上存在差异,笔者在分析一般票据质押融资模式的基础上,以金银猫平台"银企众盈"理财产品为例,通过对相关产品协议进行分析解读,厘清互联网票据理财的融资模式及法律关系,指出该类产品及一般票据质押融资模式的潜在法律风险,并提出监管建议。
Many Internet bill financing platforms represented by 'JINYINMAO' differ in the financing mode of bill pledge. On the basis of analyzing the general financing mode of bill pledge,the author uses the platform of'JINYINMAO'to manage financial product. For example,through the analysis and interpretation of relevant product agreements,this paper clarifies the financing mode and legal relationship of Internet bill financing,points out the potential legal risks of this kind of products and general bill pledge financing mode,and puts forward regulatory suggestions.
基金
<地方金融监管主体属地风险处置责任研究>
中央财经大学2017年度研究生科研创新基金项目资助
项目编号为201720
