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我国金融机构惩罚性赔偿责任落空的反思与制度完善
Authors
阳建勋
Publication date
8 August 2019
Publisher
'Ubiquity Press, Ltd.'
Doi
Cite
Abstract
金融机构惩罚性赔偿对于加强金融消费者保护,填补金融机构欺诈行为造成的社会性损害,抑制金融机构的机会主义行为与道德风险,维护金融稳定与金融安全等具有重要的现实意义。不过,该责任在我国实际上落空。落空的背后有深层次的制度原因,如“金融消费者”概念缺失与金融领域的“生活消费”解释困境使得其请求权主体不明;缺乏体现金融业专业性与特殊性的告知义务保障;与金融消费者弱势地位不相称的证明责任使得其难以证明金融机构欺诈;法院审慎控制其负面激励功能。因此,不仅要从请求权主体、金融机构告知义务以及金融机构欺诈的证明责任分配等方面加以完善相应制度,而且要以金融消费者所受损失为基础确定合理的惩罚性赔偿额,抑制其负面激励功能,以在金融领域实现正义的社会秩序
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Xiamen University Institutional Repository
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oai:dspace.xmu.edu.cn:2288/177...
Last time updated on 20/11/2020
Xiamen University Institutional Repository
See this paper in CORE
Go to the repository landing page
Download from data provider
oai:dspace.xmu.edu.cn:2288/177...
Last time updated on 20/11/2020