试论金融消费者知情权的保护——从举证责任倒置的视角

On Protection of the Financial Consumer's Right to Know——From the Perspective of Reverse of Proof Burden

金融消费者由于在专业水平、经验及学习能力上的局限性,加上金融产品构成的复杂性及风险的多样性,其权益极易遭受侵害,尤其是知情权,被侵害的可能性更大。举证责任倒置的引进可以加大对知情权保护的力度,实现实质上的公平。根据请求权基础理论,在金融消费者知情权保护中,举证责任倒置可以分为违约责任中的倒置和侵权责任中的倒置,两种情形下被告方承担的举证责任是不同的。

Due to the limitations of professional standards, experience and learning ability, coupled with the com- plexity and diversity of financial products constitution and risk, financial consumer＇ s interests, especially the right to know, are vulnerable to abuse. The introduction of the reverse of the proof burden can increase the intensity of the right of information protection, and improve substantially fair. According to the basic theory of the claim in the protection of financial consumers＇ right, the inversion of the burden of proof can be divided into the inversion of the breach of contract and tort liability, the burden of proof on the defendant in both cases is different.