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银行在开办理财产品质押融资时应关注理财收益的质押效力和质押方式的转换,制度先行,规范操作,稳步实施为适应日趋激烈的竞争,满足客户多样性的融资需求,广东多家农信机构探索开展了理财产品质押融资业务,笔者就此新业务品种涉及的相关法律问题和注意事项进行分析,供同业探讨。法律属性及质押融资的现行做法银行理财产品的法律属性一直比较模糊,从“受人之托,代人理财”的角度看,属于一种委托关系;从隔离于银行自身财产和独立运作的角度看,类似于一种信托关系;从返还本金和收益
Banks should pay attention to the pledge effect of financing revenue and the conversion of pledge method when they start financing pledge financing of wealth management products. In order to meet the increasingly fierce competition and meet the financing needs of diversified customers, the system first, standardize the operation and steadily implement. Explored and carried out the financial product pledge financing business, and the author analyzed the relevant legal issues and precautions involved in the new business variety for the discussion of peers. Legal Attributes and the Current Practice of Pledge Financing The legal attributes of bank financial products have always been vague, from the point of view of “entrusted by people, generation of financial ” point of view, belong to a kind of trust relationship; from the bank’s own property and independent operation From the perspective of a trust similar to a relationship; from the return of principal and proceeds