刘克华诉兴业银行理财协议纠纷案评析

发布时间：2018-03-23 08:20

本文选题：理财协议　切入点：信息披露　出处：《湖南大学》2015年硕士论文　论文类型：学位论文

【摘要】：商业银行个人理财业务在快速发展的同时,也存在一些问题。比如对于理财协议法律属性的定位,目前就没有一致的观点,而这就容易造成对当事人权利义务的混淆,从而影响法院的判决。而目前理财纠纷产生的原因更多的是商业银行为推动理财业务的发展,在履行信息披露义务时有意或无意的隐瞒以及欺骗。因银行在信息方面的巨大优势以及目前的举证责任分配制度,法院在实际审理中往往只注重对银行义务履行形式上的审查,而对投资者则往往适用商主体更高的审慎注意义务,从而导致投资者的败诉,自行承担投资的损失。但笔者认为,对商业银行信息披露义务的审查应多地从其实质出发,看其披露的内容、范围以及方式是否能够达到使投资者理解的程度,而不在于银行是否形式上履行了该义务；而对于投资者的注意义务,不能不加区分地适用商主体的审慎注意义务,应结合审慎注意义务本身的法理和具体的案情来作出准确的判断。
[Abstract]:At the same time, there are some problems with the rapid development of commercial banks' personal financial management business. For example, there is no consistent view on the legal attributes of financial management agreements, and this will easily lead to confusion about the rights and obligations of the parties concerned. Thus affecting the judgment of the court. And the reason for the current financial disputes is that the commercial banks are promoting the development of financial management business. Intentional or unintentional concealment and deception in fulfilling the obligation to disclose information. Because of the enormous advantages of banks in information and the current system of distribution of the burden of proof, courts often focus only on the formal review of the performance of bank obligations in practical proceedings. On the other hand, investors are often subject to a higher duty of care, which results in investors losing their case and bearing the losses of their own investment. However, the author thinks that the examination of information disclosure obligations of commercial banks should proceed from its essence. To see whether the content, scope and manner of disclosure can be reached to the extent that investors understand it, rather than whether the bank has formally fulfilled that obligation; and whether investors are under a duty of care, It is necessary to apply the duty of care of the business subject in a differentiated way, and make an accurate judgment in combination with the legal principle of the duty of care itself and the specific circumstances of the case.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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