摘要
概念思维具有抽象化和涵摄性的特点,无法解决金融消费者的界定问题。类型思维弥补了概念思维的缺陷,为金融消费者的形象描述和保护制度建构提供了新的路径。在类型思维下,金融消费者的整体形象表现为金融交易中负担"合同自身特定风险+信用风险"的相对弱势一方,具体可以描述为相对于金融产品或服务提供者,在金融交易中基于非商业、非营业、非职业目的而接受金融产品或服务的自然人,但不包括直接购买证券、债券、期货及其他金融衍生品者。金融消费者保护制度建构应当以金融消费者的风险管理为中心,从金融消费者的风险认知、风险预防和危险处置三个环节依次展开。我国金融消费者保护立法应当采取分别修法的形式,通过在《商业银行法》《保险法》《信托法》等单行法中作出相关规定,最终形成系统的金融消费者保护制度体系。
Conceptual thinking,with abstraction and subsumption as its features,cannot resolve the problem of financial consumer definition. Typological thinking repairs the deficiencies of conceptual thinking and provides a new method to describe the image of financial consumer and to structure the financial consumer protection institution. Following typological thinking,the image of financial consumer can be described as the relatively weak party in the financial transaction,bearing inherent risks of contracts and credit risks.Precisely,financial consumer can be described as the opposite party of the financial products provider,who is a natural person and purchases financial products and services without any business,commercial and professional purpose. However,a natural person who directly purchases stocks,bonds,futures and other financial derivatives cannot be regarded as financial consumer. The institutional construction of financial consumer protection will focus on the risk management of financial consumer,which includes risk perception,risk prevention and crisis management. The legislation of financial consumer protection will apply the method of separately amending. By separately amending Law of Commercial Banks,Insurance Law and Trust Law,and adding provisions about financial consumer protection in these laws,we will establish the financial consumer protection institution.
出处
《中州学刊》
CSSCI
北大核心
2016年第2期55-61,共7页
Academic Journal of Zhongzhou
关键词
概念思维
类型思维
金融消费者
制度构建
conceptual thinking
typological thinking
financial consumer
institutional construction
