摘要
目前对英美金融消费者保护法律的介绍,着重于条文和概念,对于背后广泛运用衡平法下信义义务的精神实质很少关注。已有的法与金融理论研究虽然指出了英美法系较之于大陆法系更有利于保护投资者,从而较好地促进了金融发展,但对于为何促进了金融发展缺乏学理分析。为此,本文指出其法律基础和作用途径是信义义务,用不完全合同理论和科斯定理推论三,对金融消费者保护中运用信义义务的合理性作了经济学原理分析,并对英美金融服务者与金融消费者的信义关系及其信义义务适用情形、与普通法不同的处理方式进行了阐述。这对于我们在移植英美金融监管法律时,加强对形式后面的精神实质的理解和运用具有重要意义。
The introductions of the British and American financial consumer protection laws always lay stress on articles and concepts, but rarely on the widely-used spiritual essence behind them of the fiduciary duty in the equitable law. The existed theoretic researches of law and finance point out that compared with the continental law system, the British＇ s and American＇ s are more in favor of protecting the consumers, thus lead to a better promotion of the development of finance, hut those researches are lacking in seientific and theoretic analysis of reasons behind such promotions. So this paper, first of all, points out that fiduciary duty is its law basis and means of function, and then. analyzes the fiduciary relationship between the British and American financial service suppliers and consumers, and the applicable scenarios of the fiduciary duty by adopting the Incomplete Contract Theory and the third deduction of the Coase Theorem, which are different from those dealing with the Common Laws, and serving as the economic principals for analyzing the rationality for applying the fiduciary duty in financial consumer protection. This is significant for us in how to attach importance on spiritual essence behind the law form when we transplant British and American financial regulation laws.
出处
《南方金融》
北大核心
2011年第2期39-45,共7页
South China Finance
基金
国家重大社会科学基金课题<深化金融体制改革>(项目批准号:09&ZD030)的阶段性成果
关键词
衡平法
信义义务
金融消费者
Equity
Fidnciary Duties
Financial Consumers
