CAJ | 학술논문

传统的契约理论基于对个人决策自由的保护,排除任何契约之外的权力与义务的侵入。但是金融领域内的极度信息不对称,完全的形式平等正义已无法适应社会生活的发展。信赖法则作为近代法律经济功能下的产物,以诚实信用原则为基础,强调当事人之间的信赖关系和信赖利益,对于实现金融创新的持续稳健发展提供了保障。从金融合约缔结过程中信息获取与输出两个脉络分析金融机构应承担的信赖义务,金融机构在营销过程中不仅要满足客户信息收集的完全性与适当性,保证金融机构在营销过程中的适当性,而且应规范合约缔结过程中的信息披露义务和遵循的披露原则,保证信息披露的充分性及完全性,确保消费者理性行为。
전통적계약이론기우대개인결책자유적보호,배제임하계약지외적권력여의무적침입。단시금융영역내적겁도신식불대칭,완전적형식평등정의이무법괄응사회생활적발전。신뢰법칙작위근대법률경제공능하적산물,이성실신용원칙위기출,강조당사인지간적신뢰관계화신뢰이익,대우실현금융창신적지속은건발전제공료보장。종금융합약체결과정중신식획취여수출량개맥락분석금융궤구응승담적신뢰의무,금융궤구재영소과정중불부요만족객호신식수집적완전성여괄당성,보증금융궤구재영소과정중적괄당성,이차응규범합약체결과정중적신식피로의무화준순적피로원칙,보증신식피로적충분성급완전성,학보소비자이성행위。
The traditional contract theory based on protection of individual decision freedom,excludes any invasions into obligations and rights set beyond the contract.However,due to the extreme information asymmetry,the absolute formal equal justice can not adapt to the development of social life.Trust rules,as the product of modern legal economic function,based on the principle of good faith,emphasizes the trusty relationships and interests between the parties,providing guarantees to realize the continuous and solid development of financial innovation.It analyzes the trust obligations that the financial institution should bear in virtue of information acquisition and output during the conclusion of financial contract.By comparing with other countries＇ law,the article discusses that,on one hand,the financial institutions should completely and properly collect the information of customers when marketing,ensuring their propriety.On the other hand,information disclosure obligation and the relative principals should be regulated during the process of contract conclusion,so that financial institution information can be disclosed adequately and completely,ensuring the customers＇ rational behavior.