CAJ | 학술논문

随着金融市场的高速发展，金融产品日趋专业化和复杂化，在给消费者带来巨额回报的同时，也产生了极大的风险，消费者往往因为金融机构的不当销售行为或复杂的金融产品蒙受经济损失。冷静期作为一种保护规则，可以有效防止金融机构的不当销售行为，避免金融消费者的非理性行为，在各国金融消费者保护中都得到了运用。通过资料的搜集和比较，对冷静期权利的性质进行了阐述，在此基础上，就冷静期的具体适用问题，如适用范围、适用期间的计算等，加以进一步的论述，试图借此为冷静期在我国金融消费者保护中的适用提供借鉴。
수착금융시장적고속발전，금융산품일추전업화화복잡화，재급소비자대래거액회보적동시，야산생료겁대적풍험，소비자왕왕인위금융궤구적불당소수행위혹복잡적금융산품몽수경제손실。랭정기작위일충보호규칙，가이유효방지금융궤구적불당소수행위，피면금융소비자적비이성행위，재각국금융소비자보호중도득도료운용。통과자료적수집화비교，대랭정기권리적성질진행료천술，재차기출상，취랭정기적구체괄용문제，여괄용범위、괄용기간적계산등，가이진일보적논술，시도차차위랭정기재아국금융소비자보호중적괄용제공차감。
With the rapid development of the financial market, the financial product become more and more professional and complicated, which brought to consumer great returns, while producing a great risk. Consumers are often suffered in economic losses because of the inappropriate behavior or sales of complex financial products of those financial institutions. As a protection rules, cooling--off period can ef- fectively prevent the financial consumers form the wrong sales behavior of the financial institutions. In this paper, on the basis of the data collection, cooling-off period are designed to be elaborated in some questions, such as character, scope, which are useful to give some advices to the financial consumer protection in China.