系统论下金融消费者保护理念及完善路径--基于法律与金融系统的良性互动  

The Concept and Improvement Path of Financial Consumer Protection from the Perspective of System Theory--Based on the benign interaction between the law and financial system

作　　者：田宇申 TIAN Yu-shen(Law School,Beihang University,Beijing 100191,China)

机构地区：[1]北京航空航天大学法学院,北京100191

出　　处：《华北电力大学学报（社会科学版）》2024年第4期71-79,共9页Journal of North China Electric Power University(Social Sciences)

基　　金：国家社科基金重大项目“社会主义核心价值观与我国商事立法完善”(17VHJ001)。

摘　　要：传统金融消费者保护理论预设金融消费者天然弱势地位,依公平理念和强行政干预调节主体间的利益失衡,多存在僵化片面之局限。法律与金融作为社会系统的重要组成部分,既存在内在的封闭独立性,亦存在外部沟通可行性,依系统论可通过符码化和纲要化形成法律系统与金融系统的耦合,构建从“弱势消费者”到“利益相关者”的权利体系并对政府干预进行动态重塑。对此,金融消费者保护应坚持从“全面保护”到“适度保护”的理念转化,以权利为导向,细化金融机构义务履行规则,尤应注重互联网金融规则的特殊设计。Traditional financial consumer rights protection theory is based on the natural disadvantaged position of financial consumers,and adjusts the imbalance of interests between transaction subjects according to the concept of equality and strong administrative intervention,but most of them have the limitations of rigidness and lopsidedness.As an important part of the social system,law and finance both have inherent independence,as well as the feasibility of external communication.From the perspective of system theory,the coupling of legal system and financial system can be formed by the means of coding and programming,so as to build a rights system from"weak consumers"to"stakeholders"and to dynamically reshape the government's appropriate intervention.Therefore,the improvement of financial consumer protection should adhere to the transformation of the concept from"comprehensive protection"to"appropriate protection",and be guided by rights to refine the rules for the implementation of obligations of financial institutions.In particular,special attention should be paid to the special design of Internet financial rules.

关 键 词：金融消费者保护 系统论 法律系统 金融系统 利益相关者 

分 类 号：D922.281[政治法律—经济法学]