摘要
韩国于2020年3月颁布了《金融消费者保护法》,该法是一部典型的金融消费者保护强化法案,许多规定史无前例。该法采取实用主义方法定义了金融消费者的概念并予以分类,坚持功能性规制理念对金融商品进行重新分类,扩大了金融消费者要约撤回权的适用范围,新增违法合同撤销权,明确了违反说明义务下损害赔偿诉讼的举证责任倒置制度,体系性强化了金融商品销售机构应遵循六大销售规则,增加了金融监管机构的审批权和限制违法交易的命令权等。我国在制定和完善金融消费者保护法律规范时,应坚持适度的倾斜性保护理念,借鉴韩国《金融消费者保护法》中的合理制度,修正其过于激进的制度。
South Korea enacted the Financial Consumer Protection Law in March 2020,a law that strengthens financial consumer protection,many of which are unprecedented.The law adopts a pragmatic approach to define and classify financial consumers,reclassifies financial products by functional method,expands the scope of application of the right of withdrawal of financial consumers’offer,adds the right to revoke illegal contracts,inverts the burden of proof against damages litigation for breach of the obligation to explain,and institutionally strengthens the financial commodity sales institutions to follow the six sales rules,increases the approval power of financial regulatory institutions and the right to restrict illegal transactions.In formulating and perfecting the legal norms of financial consumer protection,China should adhere to the concept of moderate tilt protection,learn from the reasonable system of introducing the Korea Financial Consumer Protection Law,and abandon the legal system that is too aggressive.
作者
董新义
DONG Xin-yi(Law School,Central University of Finance and Economics,Beijing 100081,China)
出处
《河北法学》
CSSCI
北大核心
2020年第8期62-76,共15页
Hebei Law Science
基金
中央财经大学《人工智能和金融科技相关法律政策研究》的阶段性研究成果。
关键词
韩国金融消费者保护法
金融消费者
功能性规制
要约撤回权
违法合同解除权
korea’s financial consumer protection law
financial consumer
functional regulation
right to withdraw offer
right to revoke illegal contract
