“公序良俗”原则引入金融审判的机理与路径

The Theory and Path of Introducing Guild Folk Law into Financial Case Trials

司法是参与和推进金融协同治理的重要力量。但面对金融治理结构中国家法供给相对不足的现实,在金融审判过程中,积极引入《民法典》公序良俗原则,是实现金融纠纷的解决和金融风险的防控的重要方式。公序良俗原则引入金融审判应当秉持和尊重“价值均衡”和“差异化”原则等金融法律治理的要求。作为具有“民间规范”属性的公序良俗原则,可以有效依托自身与金融商业活动直接关联性的特点,循究案件纠纷中的实质正义,切合金融类案件裁判“穿透式”监管的治理导向,形成国家法与民间规范在金融治理实践中的协同样式。

In recent years,China has been implementing“strong supervision”governance in the financial sector in accordance with the law.However,in terms of judicial trials in financial cases,in addition to formal legal sources being cited for reference,financial guild folk laws and practices also play an important role in the reasoning of judgments.The multi-level application of“guild customary law”in financial trials is mainly manifested in the application of the principle of“public order and fine custom”,the application of financial regulatory regulations and laws,and the coupling between contract invalidity,mandatory provisions,and financial regulatory norms.From a conceptual perspective,introducing guild folk law into financial trials is in line with the characteristics of financial legal governance advocated by the state,such as“balance of interests”,“risk control”,and“differentiation”.As an guild folk law with the attribute of“folk norms”,it can effectively rely on its direct correlation with financial and commercial activities,follow the substantive justice in case disputes,conform to the national guidance of“penetrating”supervision in financial case judgments,and form a substantial connection between national laws and civil norms in financial judicial practice.