论金融创新领域法律责任制度的改革与完善——美国次级贷款危机的教训与启示  

On the Reform and Perfect of the Legal Liability System in the Field of Financial Innovation

作　　者：岳彩申[1] 楚建会[1] 

机构地区：[1]西南政法大学经济贸易法学院,重庆401120

出　　处：《法学论坛》2009年第3期77-84,共8页Legal Forum

摘　　要：美国次级贷款危机为金融创新领域法律制度防范和控制风险功能研究提供了实证材料,金融创新领域法律制度没能有效发挥风险防范和控股功能的根本原因,在于现有法律责任制度安排不合理。完善金融创新领域法律责任制度应包括:重回适度监管的立场,引入风险、收益与责任对称的理念,建立行为—风险—责任的模式,建立金融创新产品加重责任制度,扩大连带责任的适用范围。In this article,taking the sub- loan crisis in the United States as the empirical material, the author analyzed thoroughly the function deficiency of guarding against and controlling the risk through the legal system in the field of financial innovation . From the legal liability system, examined the reason why the legal system didn＇ t play an important role in preventing and controlling the risk in the field of financial innovation and holding that the present unreasonable arrangements to legal liability system is the fundamental reason and putting forward the specific recommendations to perfect the legal liability system in the field of financial innovation , including： return to the position of moderate supervision, the introduction of symmetry concept among risks, benefits and responsibilities, the establishment of the model about the behavior - the risks - the responsibility , the establishment of the aggravating responsibility system to the financial innovative products , expanding the scope of application of contributory liability.

关 键 词：金融创新 法律责任 次级贷款危机 金融监管 

分 类 号：D922.28[政治法律—经济法学]