| 构建我国金融交易冷静期规则的思考 |
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| 引用本文： | 裴久徵.构建我国金融交易冷静期规则的思考[J].科学决策,2023(7):168-179. |
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| 作者姓名： | 裴久徵 |
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| 作者单位： | 1.华北水利水电大学法学院; |
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| 基金项目： | 郑州市社会科学调研课题（课题批准号：ZSLX2023338）。 |
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| 摘 要： | 金融交易当下签约、未来履行的性质,导致其劝诱式销售司空见惯,加之金融产品专业性、高风险性等特点,造成现今金融市场高度融合化背景下的种种乱象。穷其根源,为信息不对称之过。由此,基于金融投资者保护观念复魅以及交易注意分配结构的变迁,引入公私法交融视阈下的冷静期规则,合理设计其适用范围及其适用期间,辅之以冷静期妨碍规则及其法律后果,对于完善金融交易纠纷处理体系、增强金融机构社会责任意识、实现金融行业可持续健康发展意义重大。
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| 关 键 词： | 金融交易 金融产品 冷静期 投资者保护 |
Reflections on Building a Calm Down Period Rule for Financial Transactions in China |
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| PEI Jiu-zheng.Reflections on Building a Calm Down Period Rule for Financial Transactions in China[J].Scientific Decision-Making,2023(7):168-179. |
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| Authors: | PEI Jiu-zheng |
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| Abstract: | The current nature of signing contracts and future performance in financial transactions has led to the common occurrence of persuasive sales. In addition, the characteristics of financial products such as professionalism and high risk have led to various chaos in the highly integrated financial market today. The root cause of poverty is information asymmetry. Therefore, based on the revival of the concept of financial investor protection and the changes in the distribution structure of transaction attention, the introduction of the calm period rule from the perspective of the integration of public and private laws, reasonable design of its application scope and period, supplemented by the calm period obstruction rule and its legal consequences, is of great significance for improving the financial transaction dispute resolution system, enhancing the social responsibility awareness of financial institutions, and achieving sustainable and healthy development of the financial industry. |
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| Keywords: | financial products information asymmetry risks cooling off period investor protection |
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