银行委托理财产品的购买者应承担商事主体的审慎注意义务

发布时间：2018-03-27 22:38

本文选题：委托理财行为　切入点：理财产品　出处：《人民司法》2009年16期

【摘要】：编者按: 作为一种新型资产管理活动,委托理财业务近几年在我国资本市场得到了飞速的发展,因其投资灵活、收益较高而备受投资者的青睐。为了规范委托理财,证监会和中国人民银行相继出台了一些委托资产管理业务方面的通知和暂行办法,但是这些规定只是限于对证券公司从事委托理财行为的监管,没有涉及其他更多市场主体的受托理财业务,因此,并不能适应现实的需要。委托理财行为的广泛发生和立法的滞后必然导致委托理财纠纷的大量出现。由于委托理财纠纷涉及的法律关系较为复杂,涉案金额巨大、社会影响面广,目前我国又没有规范委托理财行为的法律,现行的合同法对委托理财合同也没有规定,相关司法解释尚未出台,导致委托理财纠纷案件在法律适用上面临诸多疑难问题,这在一定程度上影响了该类案件裁判标准的统一性。本期刊登三个委托理财纠纷案例,以期对解决类似纠纷有所裨益,为完善立法提供参考。
[Abstract]:Editor's Note: as a new asset management activity, the entrusted financing business has developed rapidly in China's capital market in recent years. The Securities Regulatory Commission and the people's Bank of China have successively issued some notices and interim measures on entrusted asset management business, but these provisions are limited to the supervision of securities companies engaging in entrusted financial management. There is no fiduciary business involving other market players, so, The widespread occurrence of entrusted financing behavior and the lag of legislation will inevitably lead to a large number of entrusted financial disputes. Because the legal relationship involved in entrusted financing disputes is more complex, the amount involved is huge. The social influence is extensive, at present our country does not have the law to regulate the entrustment financing behavior, the current contract law also does not have the stipulation to the entrustment financing contract, the related judicial explanation has not yet been issued. This has led to many difficult problems in the application of the law in cases of entrusted financing disputes, which to a certain extent have affected the unity of the adjudication standards of this kind of cases. In this issue, three cases of entrusted financial disputes are published in order to help resolve similar disputes. To provide a reference for the improvement of legislation.
【作者单位】：上海市第二中级人民法院;华东政法大学;
【分类号】：D920.5

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