财富管理：作为私法制度的金融受托人法  

Managing Our Money:The Law of Financial Fiduciaries as a Private Law Institution

作　　者： 沙龙·汉内斯 林少伟(译) 

机构地区：[1]以色列特拉维夫大学法学院 [2]西南政法大学民商法学院 [3]特华博士后科研工作站

出　　处：《财经法学》2017年第6期118-149,共32页Law and Economy

基　　金：2017年国家社科基金“《公司法》私人执行之评估”(项目编号:17CFX072);司法部2016年课题“遗嘱信托法律构造的困境及其出路”(项目编号:16SFB3035);重庆市教委2016年课题“遗嘱信托法律制度研究”(项目编号:16SKJD15)

摘　　要：金融受托人法是探索私法对个人自主权贡献的一项重要案例研究,错综复杂的世界,意味着我们管理自身财务和确保自身福利的能力面临日益严峻的挑战,而金融受托人法提供了将权力授予他人的选择权,但法律必须意识到授予该选择权本身所存在的权力滥用和疏忽大意的风险,因此,金融受托人法应调整其规则,从受托人与受益人入手。一方面,重新审视受托人薪酬结构,放弃对受托人薪酬的传统观念,使其不再被认为是外生于忠实义务,并为受托人提供最佳激励,维持甚至灌输将该等规则与信任和忠诚的美德相联系的社会规范。另一方面,确立符合受益人最佳利益的严格单一利益规则和多项例外和免责情况,同时对受托人设计一系列黏性缺省规则,应对相对弱势和经验不足的受益人的需求,以实现富有挑战性的使命。Financial fiduciaries law is an important case study on the contribution of private law to our personal autonomy. In a complicated world, with increasingly complex challenges to our ability to manage our finances and secure our welfare, the law of financial fiduciaries offers the option of delegating the authority to do so to others. However, the law must appreciate the significant risks of abuse and carelessness inherent to the delegation of such discretionary authority. As such, financial fiduciary law should tailor its rules by two aspects. On the one hand, the law should realize the significance of revisiting the fee structure for fiduciaries and renounce its traditional treatment of fiduciary pay so that it is no longer considered exogenous to the duty of loyalty. In addition, the law should provide fiduciaries with optimal incentives while at the same time sustaining and even inculcating the social norms associating these rules with the virtues of trust and loyalty. On the other hand, the law should entrench a strict sole interest rule alongside many exceptions and exemptions that serve beneficiaries＇ best interests. Also, financial fiduciaries law should allow opt-outs but also design a range of sticky defaults that respond to the needs of relatively weak and unso- phisticated beneficiaries.

关 键 词：财富管理 金融受托人法 受益人 信义义务 

分 类 号：D922.282[政治法律—经济法学]