摘要
美国次贷危机暴露了其金融消费者保护制度上的困局,即对金融消费者的倾斜保护力度不足,导致金融消费者和金融机构之间实质上的不平等。于是,各国为防范金融危机,纷纷构建金融消费者倾斜保护机制。该机制的整体框架,包括金融消费者的权利、金融机构的义务、金融争议的解决途径这三个构成要素。这些构成要素之间相互配合和补充,从而形成了独特的运行机理,即明确金融消费者的安全权等权利;强化金融机构的信息披露义务和投资者适当性义务;以及通过引入ADRs、团体诉讼,拓宽金融争议解决途径。尽管不同的构成要素各有侧重,但是其共同传达以下理念,即兼顾"买者自负"与"卖者有责",兼顾"契约自由"与"契约正义",兼顾"效率"与"安全"。
The US has tabled proposal of competitive neutrality in TPP negotiations in order to constraint competitive advantages granted to State-owned enterprises.Up to date,TPP negotiating parties have raised opposite views towards the US proposal in terms of scope,objective,binding nature and exemptions of competitive neutrality.These views doubt the fairness value of the proposal and may lead to negotiation deadlock in near future.The US can respond with adjustment of proposal for mutual benefits or a tougher strategy refusing to compromise.Taking into consideration of US practice in TPP negotiation,this article implies that the US inclines to adopt the latter approach which might put the TPP negotiating parties into a position with unwillingness to accept competitive neutrality.
出处
《武大国际法评论》
CSSCI
2015年第1期280-295,共16页
Wuhan University International Law Review
基金
教育部人文社会科学基地重大研究项目“国际金融法律秩序变革研究”(11JJD820009)的阶段性成果之一
