北方法学
北方法學
북방법학
NORTHERN LEGAL SCIENCE
2014年
4期
76-83
,共8页
金融消费者%倾斜保护%专业投资者%信息不对称%实力不对等
金融消費者%傾斜保護%專業投資者%信息不對稱%實力不對等
금융소비자%경사보호%전업투자자%신식불대칭%실력불대등
financial consumer%favorable protection%professional investors%information asymmetry unequal strength
对“金融消费者”进行法律定义，应充分挖掘概念与制度之间的理论逻辑，根据制度内容来推导概念的内涵与外延。“金融消费者”概念的提出以及相关倾斜性保护制度的构建，是基于其与金融经营者之间“实力不对等、信息不对称”的理论预设。根据这一制度逻辑，顺应金融消费者保护的国际立法和监管趋势，并考虑我国国情，我国金融消费者应该是指“已经、正在或正打算购买、接受金融机构提供的金融商品或服务的自然人、法人和其他组织，但专业投资者除外”。
對“金融消費者”進行法律定義，應充分挖掘概唸與製度之間的理論邏輯，根據製度內容來推導概唸的內涵與外延。“金融消費者”概唸的提齣以及相關傾斜性保護製度的構建，是基于其與金融經營者之間“實力不對等、信息不對稱”的理論預設。根據這一製度邏輯，順應金融消費者保護的國際立法和鑑管趨勢，併攷慮我國國情，我國金融消費者應該是指“已經、正在或正打算購買、接受金融機構提供的金融商品或服務的自然人、法人和其他組織，但專業投資者除外”。
대“금융소비자”진행법률정의，응충분알굴개념여제도지간적이론라집，근거제도내용래추도개념적내함여외연。“금융소비자”개념적제출이급상관경사성보호제도적구건，시기우기여금융경영자지간“실력불대등、신식불대칭”적이론예설。근거저일제도라집，순응금융소비자보호적국제입법화감관추세，병고필아국국정，아국금융소비자응해시지“이경、정재혹정타산구매、접수금융궤구제공적금융상품혹복무적자연인、법인화기타조직，단전업투자자제외”。
For the purpose of defining the “financial consumer”, it is suggested to discover the theoreti-cal logic between the concept and the system , and then to deduct the connotation and denotation based on sys-tem content .The proposed definition of “financial consumer” and pertinent favorable protection system con-struction are based on the theoretical premise of “unequal strength and information asymmetry” between finan-cial consumers and financial operators .Therefore, conforming to the international legislation and supervision tendency of financial consumer protection , and with regard to our country ’ s actual situation , the financial con-sumer in China should be defined as “natural persons , legal persons and other organizations , except for pro-fessional investors , who have purchased or accepted , or are purchasing or accepting , or are going to purchase or to accept financial products and services provided by financial institutions”.
