银行说明义务研究

发布时间：2018-03-15 04:02

本文选题：说明义务　切入点：金融消费者　出处：《山东大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着经济的发展,商业银行业务也不断拓展,已经不再拘泥于最传统的储蓄、吸收存款功能,尤其是在我国加入世贸组织后,商业银行在外资银行竞争压力不得不使经营范围突破传统业务范畴,通过市场、服务、产品为核心的银保、银证、银信合作等综合模式来寻求业务增长,信贷、保险、基金、理财、证券等等都包含在内,俨然一个金融百货超市。普通百姓的存款越来越多,需求也不再仅仅限于银行存款利率,很多银行都抓住消费者的实际需求纷纷进行创新。金融市场在发生着天翻地覆的变化,但是我国的法律层面却跟不上市场的发展,已经远远落后。再加上高专业性和复杂性的特点,使得消费者和银行在建立法律关系时,银行往往处于居高临下的位置,消费者难以应对。为了实现合同实质平等,最大程度的平衡交易天秤,消除银行与消费者之间的地位差距,使双方站在同一高度才能实现所谓的意思自由,克以银行以说明义务对实现银行业务的健康良好发展、建立交易双方之间的信任、维护金融市场的稳定、促进交易效率、保护消费者的合法权益具有重要意义。本文以论述商业银行的说明义务为中心,第一章对银行说明义务的概述,对整个说明义务作了轮廓性的论述,介绍了说明义务的内涵,以及在诚实信用、信息不对称、维护金融交易等条件下要克以银行说明义务的原因；说明义务所应说明的范围包括产品的基本信息、风险提示、服务收费等等,说明义务的对象应当是针对金融消费者,明确了金融消费者的概念,在履行说明义务时应当以口头与书面方式相结合,要确保消费者理解；还介绍了与说明义务紧密相连的适合性义原则,银行工作人员在销售产品的劝诱、推介时应将适合性原则作为基本原则。第二章论述了违反说明义务的类型及民事责任,实践中一般存在虚假陈述、隐瞒重要事项、提供断定判断等违法行为,又分别从不同角度论述银行违反说明义务时所应承担的民事责任。第三章进行域外法律制度的比较,主要是介绍日本、美国、欧盟以及我国台湾地区有关说明义务的法律规定,以对我国的立法提供建议。第四章是本文对完善说明义务的建议,不仅要尽快完善说明义务的立法,还要从金融监管、银行业自律组织、消费者自身等各个方面来共同来完成说明义务的履行。
[Abstract]:With the development of the economy, the business of commercial banks has been expanding, and they are no longer confined to the most traditional savings and the function of absorbing deposits, especially after China's accession to the WTO. Under the competitive pressure of foreign banks, commercial banks have to break through the traditional business scope and seek business growth, credit, insurance, and funds through comprehensive models such as market, service, and product-centered banking insurance, bank warrants, and bank and credit cooperation. Financial management, securities and so on are included, like a financial department store. Ordinary people are saving more and more, and the demand is no longer limited to bank deposit rates. Many banks have seized on the actual needs of consumers to innovate. The financial market is undergoing tremendous changes, but the legal aspect of our country has not kept pace with the development of the market. In addition to the characteristics of high professionalism and complexity, consumers and banks tend to be in a condescending position when establishing legal relations, which is difficult for consumers to cope with. In order to achieve substantive equality of contracts, To maximize the balance of transaction Libra, eliminate the status gap between banks and consumers, make both sides stand at the same height to realize the so-called freedom of meaning, and use the obligation of banks to realize the healthy and sound development of banking business. It is of great significance to establish the trust between the two sides of the transaction, to maintain the stability of the financial market, to promote the efficiency of the transaction and to protect the legitimate rights and interests of consumers. The first chapter gives an overview of the bank's obligation to explain, discusses the whole obligation of explanation in outline, introduces the connotation of the obligation of explanation, as well as the asymmetry of information in good faith and credit. Under the conditions of maintaining financial transactions and other conditions, banks should explain the reasons for their obligations; the scope of explanation obligations should include the basic information of products, risk prompts, service charges, etc. The object of the obligation should be directed at financial consumers. Clarifying the concept of financial consumers, which should be combined orally and in writing in the performance of the obligation of explanation, to ensure that consumers understand it, and also introducing the principle of appropriateness, which is closely linked to the obligation of explanation, Bank staff should regard the principle of suitability as the basic principle when they sell products. The second chapter discusses the types of breach of the obligation of explanation and civil liability. In practice, there are generally false statements and concealment of important matters. To provide judgment and other illegal acts, and to discuss separately from different angles the civil liability that banks should bear when violating their obligations of explanation. Chapter III compares the extraterritorial legal systems, mainly introducing Japan, the United States, The European Union and the Taiwan region of China have legal provisions on the obligation to explain, in order to provide suggestions for the legislation of our country. Chapter 4th is the proposal of this article to perfect the obligation of explanation, not only to improve the legislation on the obligation of explanation as soon as possible, but also from the perspective of financial supervision. Banking self-discipline organizations, consumers themselves and other aspects to complete the obligation to explain the implementation.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.6

【参考文献】