金融消费者冷静期规则研究

发布时间：2018-03-30 12:53

本文选题：金融消费者　切入点：冷静期　出处：《西南政法大学》2015年硕士论文

【摘要】：伴随着我国经济的迅速发展以及金融全球化的进一步扩张,我国金融消费领域,如银行理财、保险销售、消费信贷等,已经逐渐受到愈来愈多的消费者的关注和亲睐,而随之而来的便是呈倍增加的侵害消费者合法权益的金融消费纠纷。由于金融消费领域特有的“信息性”、“专业性”等重要因素,金融消费者在金融消费中常常处于弱势地位,而金融消费者的合法权益较普通消费者而言也更易受到经营者的妨碍和侵害。因此,本文建议在金融消费领域引入冷静期规则以期保护金融消费者之合法权益。消费者之冷静期,又称“冷却期”,一些国家或地区将其称为合同之“撤回权”或“取消权”,主要是指消费者与经营者就某个产品或某种服务签订合同后,可以在法律规定的一定时间内,单方面无条件解除合同,从而使双方恢复到合同签订前的状态。本文除引言与结论以外,主要内容由以下四个部分组成:本文第一部分是对我国金融消费者冷静期规则的立法现状及不足进行分析。中国保监会规定的保险“犹豫期”过于简单,新消法规定的“后悔权”未延伸至金融消费领域,故现阶段我国关于金融消费者冷静期规则的立法几乎处于空白状态。第二部分是对我国立法上引入金融消费者冷静期规则的必要性进行分析。建立和完善金融消费者冷静期规则,可以约束不当劝诱行为、缓解信息不对称、降低非理性消费以及减少金融消费纠纷。第三部分是介绍域外金融消费者冷静期规则的立法经验。重点是介绍欧盟的金融远程服务合同、人寿保险合同、信贷合同之冷静期规则;英国的一般及消费信贷合同冷静期规则;日本的金融投资顾问合同、保险合同、分期付款合同之冷静期规则;以及德国的一般冷静期规则及撤回直索制度。第四部分是关于我国金融消费者冷静期规则的立法构想。建议我国采用分散立法模式,分别规定银行理财合同、消费信贷合同、保险合同的冷静期规则,具体明确适用范围、适用期间及计算、行使方式及救济手段等,并建立冷静期纠纷处理数据库制度、信息披露制度、专门机关监管制度等。
[Abstract]:With the rapid development of our economy and the further expansion of financial globalization, more and more consumers have been paying close attention to the financial consumption fields, such as bank finance, insurance sales, consumer credit and so on. As a result of the special "information" and "professionalism" and other important factors in the field of financial consumption, financial consumers are often in a weak position in financial consumption. The legitimate rights and interests of financial consumers are also more vulnerable to obstruction and infringement by operators than ordinary consumers. This paper suggests the introduction of cooling-off rules in the field of financial consumption in order to protect the legitimate rights and interests of financial consumers. Also known as the "cooling-off period", some countries or regions refer to it as the "right of withdrawal" or "right of cancellation" of a contract, which mainly refers to a certain period of time when a consumer and an operator sign a contract for a product or a certain service. Unilateral and unconditional rescission of the contract will restore both parties to the status quo ante before the signing of the contract. The main content is composed of the following four parts: the first part of this paper is to analyze the legislative status and deficiency of the financial consumers' cooling-off period rules in China, and the insurance "hesitation period" stipulated by the CIRC is too simple. The "right of regret" under the new law does not extend to financial consumption. The second part is to analyze the necessity of introducing the financial consumer cooling-off period rule in our legislation, and to establish and perfect the financial elimination. The cooling-off period rule, It can constrain inappropriate persuasion and ease information asymmetry. To reduce irrational consumption and reduce financial consumption disputes. The third part is to introduce the legislative experience of extraterritorial financial consumer cooling-off period rules. The emphasis is on the introduction of European Union's financial remote service contract, life insurance contract, The cooling-off period rules for credit contracts; the general and consumer credit contract cooling-off rules for the United Kingdom; the cooling-off rules for financial investment advisory contracts, insurance contracts and installment contracts in Japan; The fourth part is about the legislative conception of financial consumer cooling-off period rule in our country. It is suggested that our country adopt the decentralized legislation model, which stipulates the bank financial management contract and the consumer credit contract, respectively. The rules of the cooling-off period of the insurance contract, the specific scope of application, the applicable period and calculation, the mode of exercise and the means of relief, etc., and the establishment of the database system for settling disputes during the cooling-off period, the system of information disclosure, the supervision system of the specialized agencies, etc.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8;D922.28

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