中国金融服务者缔约说明义务之法律规制
The law regulation of contracting demonstrative obligation of China financial consumers
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초록
在金融商品交易中，由于金融服务者与金融消费者之间信息上不对称，两者所掌握的信息存在显著差距，其中金融消费者处于明显不利地位。为了解决金融服务者与金融消费者的信息不对称情况，从而实现两者的实质平等，金融服务者需要履行缔约说明义务。金融服务者缔约说明义务的私法规制有利于保护金融消费者，有利于金融市场的健康发展。目前，中国缔约说明义务在沉默欺诈构成要件、法律规定、监管体制和互联网模式下存在一定的缺陷。基于对这些缺陷的考察，本文提出相应的应对策略。
Abstract
In the financial commodity transaction , due to the asymmetric information ，there is striking difference between financial service providers and financial consumers on how much they master the information. Financial consumers are obviously at an unfavourable position. In order to solve the asymmetric information between financial service providers and financial consumers and achieve the substantial equality between them, financial service providers need to fulfill the contracting explanation obligation. The contracting explanation obligation of regulation by private law is good for protecting the financial consumers and the healthy development of the financial market. At present, there are some defects in China contracting explanation obligation on the elements of reticent fraud, the legal provisions, the regulatory system and the Internet model. Based on the these defects, the paper gives some feasibility proposals.
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