- 英文摘要
- With the development and improvement of trust legal system in
Taiwan, banks have gradually designed a use of trust structure in granting
credit cases for strengthening the purpose of ensuring claims. Therefore, this
article mainly sorts out and discusses the controversial issues arising from
the mutual application of the trust system and banking laws, and puts
forward the opinions of this article.
This article starts from the early development of bank financing using
the trust structure to ensure claims, and then clarifies the differences in the
status of the borrower as the settler, beneficiary or trustee, and analyzes
various types and legal restrictions of bank's financing to the settler,
beneficiary or trustee under the trust structure. Secondly, this article
discusses the dilemma of the use of the trust system for bank financing and
the practical issues of the setting of the pledge of the beneficiary right from
the trust. Moreover, this article puts forward views on the prospects of the
use of trust systems for bank financing, and hopes to expand the scope of
application of trust systems in indirect financial markets to create economic
benefits for borrowers and banks. Finally, a concise conclusion with
suggestions is made.
- 目次
- 壹、楔子
貳、銀行融資利用信託架構確保債權之早期發想
一、三種模式之架構設計
二、三種模式之實踐狀況
參、信託架構下銀行融資之型態及限制
一、委託人以信託財產向銀行融資
二、受益人以信託受益權向銀行融資
三、受託人以信託財產向銀行融資
肆、銀行融資與信託架構結合之困境及突破
一、BOT 地上權信託與銀行融資
二、耕地及原住民保留地融資與設定信託之障礙
三、信託財產設定擔保物權之實行（受託人兼為債權人之情況）
伍、銀行辦理信託受益權質權設定業務之實務問題
一、信託受益權質權設定與相關契約之約定事項
二、預收款項信託受益權質權設定之限制
三、不動產開發信託受益權質權設定之限制與授信風險
四、信託受益權設定質權之實行
陸、銀行融資運用信託制度之展望
一、日本引進擔保權信託之立法策略
二、我國引進擔保權信託之建議
柒、結論
