摘要
适当性义务的本质是诚实信用原则在金融产品销售领域的具体化,过失相抵制度是一项以责任分担为核心的独立制度。金融消费者的过失并不影响善意信赖的产生,只影响信赖程度的认定,属于责任分担阶段的判断,因此过失相抵制度可以适用于适当性义务案件。从"投资者"到"金融消费者"的分类转变,不仅差异化了金融消费者注意义务的安排,同时也关涉金融机构适当性义务履行的判断标准。在具体适用过失相抵制度时,以比较过错方法为主、比较原因力方法为辅,根据金融机构和金融消费者的行为类型分别确认双方损害赔偿的责任范围和承担比例。
The nature of the suitability obligation is the concretization of the principle of good faith in the field of financial product sales.The system of contributory negligence is an independent system whose core is responsibility sharing.The fault of financial consumers does not affect the generation of good faith trust,but only affects the determination of the degree of trust,which belongs to the judgment of the responsibility sharing stage.Therefore,the system of contributory negligence can be applied to cases of the suitability obligation.By changing the classification from“investors”to“financial consumers”,the arrangement of financial consumers’duty of care is differentiated,and it also concerns the judgment standards for the fulfillment of suitability obligation of financial institutions.When specifically applying the system of contributory negligence,the comparative fault method is the main method,and the comparative causal force method is the supplement.According to the types of behaviors of financial institutions and financial consumers,the liability scope and the proportion of liability for damages are confirmed.
作者
毛立琦
MAO Li-qi(School of Law,Nanjing University,Nanjing 210093,China)
出处
《湖南科技大学学报（社会科学版）》
CSSCI
北大核心
2021年第6期147-153,共7页
Journal of Hunan University of Science and Technology(Social Science Edition)
基金
国家社会科学基金一般项目(16BFX122)
江苏省研究生科研创新计划项目(KYCX21_0005)。
关键词
适当性义务
过失相抵
投资者
金融消费者
比较过错
suitability obligation
contributory negligence
investors
financial consumers
comparative fault
