金融产品创新视野下的公私法规范贯通之道  

The Coherence of Public and Private Law Within the Perspective of Financial Product Innovation

作　　者：刘志伟 LIU Zhiwei

机构地区：[1]西南政法大学经济法学院

出　　处：《经贸法律评论》2024年第2期105-120,共16页Business and Economic Law Review

基　　金：国家社会科学基金项目“《商业银行法》修改的重点问题研究”(项目批准号:20XFX017)。

摘　　要：以规制与监管为核心品性的金融公法,已无法单独有效调整经济实质或功能相似且以风险管理为核心的创新性金融产品。新时代金融法制的变革,应以金融产品创新为基础,积极更新金融监管法理念,并更加重视私法在其中的作用。其中,监管法变革应完成产品功能、交易行为监管的横向协同,私法优化则须借助信义义务的引入来矫正交易主体间失衡的权利义务关系。当然,金融领域公私法规范的贯通融合,着实离不开创新性金融产品交易中消费者保护的桥梁作用。金融公法中获得更新的监管理念,尤其是交易行为监管理念,欲从观念走向实践,亟须借助创新性金融产品及其交易的信息偏在性、专业复杂性,并针对实践中金融机构的误导销售、未勤勉尽责问题,甚至是金融欺诈行为展开。否则,不仅无法解决创新性金融产品交易主体间权利义务关系结构失衡的问题,更无法有效维护金融机构,乃至整个金融体系的安全与稳健。Financial law,centered around regulation and supervision,is no longer sufficient to effectively regulate innovative financial products with economic substance or functionality and with risk management at the core.The reform of financial legal system in the new era should be based on the innovation of financial products,actively update the idea of financial supervision law,and pay more attention to the role of private law in it.Among them,the reform of regulatory law should complete the horizontal coordination of product function and transaction behavior supervision,while the optimization of private law requires the introduction of fiduciary duty to correct the unbalanced right and obligation relationship between transaction subjects.Of course,the integration of public and private legal norms in the financial field cannot be achieved without the bridging role of consumer protection in innovative financial product transactions.Updated regulatory concepts in financial public law,especially the regulatory concept of transaction behavior,are urgently needed to move from concept to practice.And that needs to make use of the information bias and professional complexity of innovative financial products and their transactions,and focus on the misleading sales,lack of diligence and even financial fraud of financial institutions in practice.Otherwise,the problem of the imbalance of rights and obligations relationship between the transaction subjects of innovative financial products will not be solved,let alone effectively maintain the security and soundness of financial institutions and even the entire financial system.

关 键 词：金融产品 行为监管 信义义务 消费者保护 公私法贯通 

分 类 号：D922.28[政治法律—经济法学]