金融产品交易中冷静期实践的法律思考

发布时间：2018-04-13 20:44

本文选题：金融产品 + 金融消费者权益保护　；参考：《西南政法大学》2015年硕士论文

【摘要】：在金融产品创新、金融经营混业化、金融市场国际化不断发展的大背景下,金融消费者权益保护不可避免地凸显为金融立法面临的重大课题。保证金融消费者购买金融产品真正出于其自身的理性,这是当今金融法追求的重要目标。但是,相较于传统产品,金融产品更加复杂,金融消费者需要足够的金融专业知识尤其是针对特定金融产品的专业知识,才能在金融产品交易中实现其自身的知情权;而金融消费者通常不具有这方面的知识。同时,金融消费者与金融机构在信息能力、交涉能力等方面的差距,这就导致现实中的诸多金融产品交易都是金融机构利用其优势地位进行的。因此,在金融产品交易中,金融消费者处于与普通商品交易相比更加弱势的地位。2014年施行的修订后的《消费者权益保护法》规定了冷静期制度,将消费者权益保护上升到了一个新高度。不过,该法是否适用于金融消费的场合,仍然存在疑问。基于金融产品消费中消费者处于明显的弱势地位的考量,确立冷静期制度,赋予金融消费者在冷静期内享有“反悔”的权利,这应该是金融法制度建设的应有之义;冷静期在金融产品交易中的实践,在一定程度上可以克服金融消费者与金融机构的利益失衡。鉴于我国金融产品交易中针对冷静期的制度不健全,在金融产品交易中虽有冷静期的实践探索,但保障性严重不足,因此,本文对我国金融消费领域的冷静期实践进行思考;通过这方面的思考,试图寻求金融产品交易中冷静期制度完善的进路,为金融消费者权益保护提供一些建设性思路。文章除导论、结束语外,分为三大部分:第一部分——金融产品交易中冷静期制度的内涵和实践背景。主要从金融产品交易中冷静期制度的内涵和我国金融产品交易中冷静期的实践背景两方面展开论述,解释冷静期的含义及为什么会在金融产品交易中适用。第二部分——金融产品交易中冷静期的发展现状及分析。第一部分是域外金融产品交易中冷静期的立法现状,第二部分是我国金融产品交易中冷静期的现状及其透析,从立法、司法、金融产品本身等方面对我国金融产品交易中冷静期的现状进行阐释和分析。在立法层面,主要参照中国人民银行、保监会以及各保监局关于冷静期的具体规范性文件,分析汇总,做出冷静期适用的统计数据;在司法层面,搜集法院对冷静期适用的金融消费纠纷案件,分析汇总,做出统计数据,分析司法对冷静期适用的裁判倾向;金融产品层面,对比几大保险公司推出的保险产品中关于冷静期适用的具体说明,找出冷静期在金融产品交易中具体适用的不同情形。肯定冷静期的价值,找出冷静期存在的不足。第三部分——金融产品交易中冷静期制度完善的建议。指出金融产品交易中冷静期制度建设应遵循的理念,结合立法、司法、金融产品做出的统计数据,再次分析整合,从四方面对冷静期制度的完善提出合理适用的建议。试图寻求一条冷静期在现实经济生活中实践的最佳路径,保护金融消费者权益,维护金融市场秩序。
[Abstract]:In the innovation of financial products, financial mixed operation, the background of the internationalization of financial market development, financial consumer protection inevitably highlights the major task of financial legislation faces. To guarantee the financial consumers to buy financial products really for their own reason, this is an important goal of modern financial law. However, compared with the traditional products and more complicated financial products, financial consumers need enough financial professional knowledge especially professional knowledge for specific financial products, in order to achieve its own right in the financial products and financial transactions; consumers usually do not have this knowledge. At the same time, financial consumers and financial institutions in the information ability, negotiation skills etc. the gap, which leads to the reality of many financial products transactions are financial institutions to use its dominant position. Because of this, in the financial Product trading, financial consumers in the calm period compared with the general commodity trading regulations > < consumer protection law revised more vulnerable position after.2014 years, the protection of consumers' rights and interests rose to a new height. However, this method is suitable for financial consumption occasions, there are still doubts. Consumer financial products in a vulnerable position based on the consideration, the establishment of the system cooling off period, given the financial consumers enjoy the right to go back in the calm period, this should be the proper meaning of financial law system construction; practice in the period of calm in the business of financial products, to a certain extent can overcome the financial interests of consumers with financial institutions imbalance. In view of China's financial products trading in the calm period of the system is not perfect, in the trading of financial products in practice calm period, but affordable Therefore, a serious shortage of thinking in the calm period practice of our country's financial consumption; by thinking this, trying to seek financial products trading calm period system approach, to provide some constructive ideas for the protection of the financial interests of consumers. Besides the introduction and conclusion, is divided into three parts: the first part of the cooling off period system in the business of financial products of the connotation and practical background. Discusses mainly from the connotation of financial products trading system cooling off period and our financial products trading in the calm period practice background two aspects, explain why the calm period meaning and applicable in the trading of financial products. The second part: current situation and development the analysis of financial products trading in calm period. The first part is the legislative status of foreign financial products transactions in the calm period, the second part is China's financial products trading in the calm period The status quo and dialysis, from the legislation, judicial, financial and other aspects of the product itself, interpretation and analysis of the status quo of China's financial products trading in the calm period. At the legislative level, mainly referring to the people's Bank of China, normative documents, specific CIRC and the Insurance Regulatory Bureau on calm period analysis summary, make statistics of calm period applicable; in the judicial level, collect court analysis summary of the cooling off period for the financial consumer disputes, make statistics and Analysis on the judicial referee for calm tendency; the level of financial products, details about the cooling off period applicable comparison of several major insurance companies to launch insurance products in different situations, find out the specific cooling off period applicable in financial products transactions. Certainly calm period value, find out the existence of calm period. The third part: financial products trading system perfect calm period. That should follow the calm period of financial products trading system construction concept, combined with the legislative, judicial, financial products to make statistics, again integrated analysis from four aspects, put forward reasonable suggestions on improving the system of the quiet period. The best way to try to find a cool period of practice in the real economic life, the protection of the financial interests of consumers and to maintain financial market order.

【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】：D922.28;D922.294

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